US Patent No: 7,953,663

Number of patents in Portfolio can not be more than 2000

System and method for financial instrument pre-qualification and offering

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ATTORNEY / AGENT: (SPONSORED)
 

Importance

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Abstract

The invention is related to a system and method for offering a financial instrument to a pre-qualified consumer. Potential consumers are pre-qualified for a variety of financial instruments, which pre-qualifications are stored in one or more databases and are linked to the consumer by a unique identifier and information that may later be verified. When a consumer contacts an entity operating, or otherwise in contact with, the system and method of the invention, the system determines whether that particular consumer has been pre-qualified for one or more financial instruments. The system may also determine whether one or more of the financial instruments which the consumer is pre-qualified for is appropriate for offering to the consumer according to pre-determined conditions linked to the financial instrument. Further checks may be performed at the time of the consumer contact for any indicators that the consumer should not be offered one or more of the financial instruments. The consumer may then be offered one or more of the financial instruments for which he or she has been pre-qualified. Typically, the consumer contacts the system for a purpose unrelated to requesting any financial instruments, and the invention permits the marketing of financial offerings to pre-qualified consumers.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1867

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
LeKachman, James J - 2 3

Cited Art

Patent Info (Count) # Cites Year
 
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4,906,826 Usage promotion method for payment card transaction system 110 1988
4,870,259 Transaction approval system 91 1989
4,908,521 Transaction approval system 89 1989
4,943,707 Transaction approval system 123 1989
5,177,342 Transaction approval system 227 1990
5,175,416 Funds transfer system 315 1991
5,477,038 Method and apparatus for distributing currency 345 1993
5,465,206 Electronic bill pay system 618 1993
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5,920,847 Electronic bill pay system 540 1996
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6,298,336 Card activation at point of distribution 185 1998
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5,920,629 Electronic-monetary system 250 1997
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5,963,648 Electronic-monetary system 183 1997
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2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
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5,608,785 Method and apparatus for telephone prize opportunities 132 1993
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5,857,079 Smart card for automatic financial records 266 1994
5,729,693 System and method to automatically provide an electronic consumer rebate 172 1996
6,014,636 Point of sale method and system 250 1997
 
MICROSOFT CORPORATION (6)
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5,721,781 Authentication system and method for smart card transactions 495 1995
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 284 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 557 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 455 1997
2001/0037,315 System and method for secure distribution of information via eMail 71 2000
 
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5,365,575 Telephonic-interface lottery system 158 1991
5,553,120 Telephonic-interface game control system 102 1993
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5,787,156 Telephonic-interface lottery system 138 1994
5,835,576 Telephonic-interface lottery device 143 1997
 
ACS State & Local Solutions, Inc. (5)
5,946,669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 102 1997
6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 131 1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 56 1998
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ACTIVCARD IRELAND LIMITED (5)
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6,446,210 Method for securing communication by selecting an encoding process using a first computer based upon ability of a second computer and deleting the process thereafter 103 1999
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CHASE MANHATTAN BANK, THE (5)
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6,038,552 Method and apparatus to process combined credit and debit card transactions 170 1997
6,167,385 Supply chain financing system and method 140 1998
2002/0095,365 Corporate products trading marketplace 93 2001
2002/0077,978 Method and system for processing internet payments 240 2001
 
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5,991,743 System and method for proactively monitoring risk exposure 120 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 126 1998
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7,546,266 Method, system, and storage medium for pre-screening customers for credit card approval at a point of sale 8 2001
 
KABUSHIKI KAISHA TOSHIBA (5)
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2001/0047,313 Method and system for electronic commerce using transaction management computer on network 18 2001
 
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4,689,478 System for handling transactions including a portable personal terminal 237 1984
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5,770,843 Access card for multiple accounts 273 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 395 1998
 
PHOENIX LICENSING, LLC (5)
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6,076,072 Method and apparatus for preparing client communications involving financial products and services 258 1997
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6,450,407 Chip card rebate system 221 2000
 
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5,350,906 Currency transfer system and method using fixed limit cards 390 1992
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5,675,607 Method and apparatus for facilitating the making of card calls 95 1995
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CHASE MANHATAN BANK USA, N.A. (4)
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6,032,136 Customer activated multi-value (CAM) card 303 1998
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TOTAL FINA ELF (4)
2002/0197,174 Electrical pump, and method for using plurality of submersible electrical pumps for well completion 2002
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FIRST USA BANK, N.A. (2)
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FRANCE TELECOM (2)
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5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 171 1997
 
Freddie Mac (2)
5,930,775 Method and apparatus for determining an optimal investment plan for distressed residential real estate loans 101 1997
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6,970,830 Methods and systems for analyzing marketing campaigns 96 1999
 
GILBARCO INC. (2)
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6,574,603 In-vehicle ordering 130 1998
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 95 2002
2004/0243,498 Interest bearing gift card mechanisms 70 2004
 
INFORMATION RETRIEVAL ACQUISITION, LLC (2)
5,659,741 Computer system and method for storing medical histories using a carrying size card 164 1995
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INTEL CORPORATION (2)
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Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 112 1997
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LEIGHTON TECHNOLOGIES LLC (2)
6,036,099 Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom 188 1997
6,557,766 Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process 62 2000
 
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NSK LTD. (2)
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OTOMO SOLUTIONS LLC (2)
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5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 226 1996
 
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5,897,620 Method and apparatus for the sale of airline-specified flight tickets 397 1997
 
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Swychco Support Services Pty. Ltd. (2)
5,970,479 Methods and apparatus relating to the formulation and trading of risk management contracts 275 1993
6,134,536 Methods and apparatus relating to the formulation and trading of risk management contracts 184 1997
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (2)
6,070,067 Prepayment method utilizing credit information stored in mobile terminals for accessing wireless telecommunication networks 164 1997
2002/0052,842 Initiation of an electronic payment transaction 73 2001
 
TELETOUCH COMMUNICATIONS, INC. (2)
7,252,223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 48 2005
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 31 2005
 
The United States of America as represented by the Secretary of the Navy (2)
6,108,644 System and method for electronic transactions 148 1998
6,397,202 System and method for monitoring risk in a system development program 90 1999
 
THIRD ACT LLC (2)
6,044,360 Third party credit card 247 1997
2004/0093,303 Third party debit card 81 2003
 
VERIZON SERVICES CORP. (2)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors 184 1995
5,621,787 Prepaid cash card 231 1995
 
YT ACQUISITION CORPORATION (2)
5,870,723 Tokenless biometric transaction authorization method and system 286 1996
5,805,719 Tokenless identification of individuals 319 1997
 
3M INNOVATIVE PROPERTIES COMPANY (1)
6,129,572 Electrical connector with latch to retain IC card 65 1998
 
A.W. Faber-Castel U.S.A. (1)
6,484,428 Double-sided magnet with graphical image on each side 38 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 54 2005
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 575 1996
 
AFFINION NET PATENTS, INC. (1)
5,774,870 Fully integrated, on-line interactive frequency and award redemption program 472 1995
 
AKAMAI TECHNOLOGIES, INC. (1)
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 4 2009
 
ALGORITHMICS SOFTWARE LLC (1)
2001/0011,243 Risk management system, distributed framework and method 133 2001
 
ALLSTATE INSURANCE COMPANY (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 232 1995
 
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance 159 1994
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 67 2004
 
AMAZON.COM, INC. (1)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 433 1995
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 239 2000
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 122 1998
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 33 2004
 
Assured Equities, Inc. (1)
6,064,985 Automated portfolio management system with internet datafeed 208 1998
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 263 1993
 
AT&T INTELLECTUAL PROPERTY II, L.P. (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet 323 1997
 
AUCTNYC 1 LLC (1)
5,699,527 Method and system for processing loan 195 1995
 
AUTO DATA, INC. (1)
5,774,883 Method for selecting a seller's most profitable financing program 213 1995
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 245 1994
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 141 1998
 
BATTERYMARCH INVESTMENT SYSTEM, A CORP. OF MA (1)
5,220,500 Financial management system 185 1989
 
Blane, Canada Ltd. (1)
6,757,660 Method for analyzing information to provide an objective assessment of a predefined subject 37 1999
 
BLOCKBUSTER L.L.C. (1)
5,459,306 Method and system for delivering on demand, individually targeted promotions 359 1994
 
BOSTON GEAR LLC (1)
4,964,043 System for visualizing, identifying and ordering gearing configurations 101 1988
 
BOWIE, STUART S. (1)
6,195,644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 132 1999
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (1)
5,802,502 System for selective communication connection based on transaction pricing signals 354 1994
 
BROADVISION (1)
5,710,887 Computer system and method for electronic commerce 1226 1995
 
Brubaker, Randall E. (1)
6,186,793 Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own estimate of expected cost for future contingent events 97 1997
 
BUCKHORN, INC. (1)
4,923,288 Optical modulators based on polymers 94 1988
 
BULL S.A. (1)
5,214,700 Method for obtaining a securitized cleartext attestation in a distributed data processing system environment 78 1991
 
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal 170 1996
 
CANON KABUSHIKI KAISHA (1)
D305887 Optically stored data card 83 1988
 
CARALINA MARKETING INTERNATIONAL, INC. (1)
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 294 1997
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 238 1998
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 329 1990
 
CARLO VELARDE MORTGAGE PRODUCTS, LLC (1)
2006/0242,057 Method and loan for financing a property expense increase associated with rising property value 32 2005
 
CASHEDGE, INC. (1)
2002/0091,635 Method and apparatus for managing transactions 123 2001
 
CASIO COMPUTER CO., LTD. (1)
4,754,418 Combined electronic calculator and credit card 113 1985
 
CATALINA MARKETING INTERNATIONAL, INC. (1)
5,612,868 Method and apparatus for dispensing discount coupons 358 1995
 
CERTCO, INC. (1)
2001/0011,255 RELIANCE MANAGEMENT FOR ELECTRONIC TRANSACTION SYSTEM 67 1998
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (1)
6,343,279 System integrating credit card transactions into a financial management system 182 1998
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 530 1991
 
CHRYSLER FIRST FINANCIAL SERVICES CORPORATION (1)
4,914,587 Financial data processing system with distributed data input devices and method of use 90 1987
 
CISCO TECHNOLOGY, INC. (1)
6,687,222 Backup service managers for providing reliable network services in a distributed environment 93 1999
 
CITICORP (1)
5,914,472 Credit card spending authorization control system 351 1997
 
CITICORP DEVELOPMENT CENTER, INC. (1)
6,422,459 Method and system for off-line loading of stored value cards using a batch-load terminal 87 1998
 
CLARK CONSULTING, LLC (1)
5,806,042 System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option 132 1995
 
COLLEGE SAVINGS BANK (1)
4,642,768 Methods and apparatus for funding future liability of uncertain cost 194 1984
 
COMMUNITY LINK FOUNDATION, INC. (1)
5,466,919 Credit/charge card system enabling purchasers to contribute to selected charities 183 1994
 
COMMUNITY UNITED IP, LLC (1)
5,862,223 Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce 601 1996
 
COMPUTER SCIENCES CORPORATION (1)
2002/0062,235 Computerized method and system for providing claims data to an accident liability assessment program 95 2001
 
Computerized Data Ssytems for Mfg., Inc. (1)
5,049,728 IC card system with removable IC modules 198 1990
 
CONTENTGUARD HOLDINGS, INC. (1)
5,530,235 Interactive contents revealing storage device 422 1995
 
CORELOGIC SOLUTIONS, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 34 2004
 
COUPCO, INC. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 263 1991
 
Crisis Technologies, Inc. (1)
2004/0103,431 Method and system for emergency planning and management of a facility 58 2002
 
CRONOS TECHNOLOGIES, LLC (1)
5,664,110 Remote ordering system 488 1994
 
DAI NIPPON PRINTING CO., LTD. (1)
6,002,383 Polymer dispersed liquid crystal (PDLC) film using heat or an electric field to change state and the other to change back 99 1996
 
DATATREASURY CORPORATION (1)
5,899,982 Bank-centric service platform, network and system 149 1998
 
DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 392 1993
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 144 2000
 
DELIVERM CONSULTING B.V., LLC (1)
7,249,092 System and method for facilitating a subsidiary card account with controlled spending capability 54 2003
 
DENTAL MEDICINE AMERICA, LLC (1)
6,484,144 Method and system for healthcare treatment planning and assessment 112 1999
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 278 1989
 
DEUTSCHE FINANCIAL SERVICES (1)
5,262,941 Expert credit recommendation method and system 268 1990
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 79 2001
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 202 2000
 
E-Scoring, Inc. (1)
2002/0077,964 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants 107 2000
 
e-Vantage International, Inc. (1)
2001/0056,398 Method and system for delivering foreign exchange risk management advisory solutions to a designated market 168 2001
 
E. ENTERRPISES, LLC (1)
2003/0105,672 Method and apparatus to facilitate payment over a computer network 83 2000
 
EFI ACTUARIES (1)
6,055,517 Method of determining optimal asset allocation utilizing asset cash flow simulation 81 1998
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 323 1996
 
ELECTRONIC WARFARE ASSOCIATES, INC. (1)
5,185,697 Apparatus and method for managing crisis situations 57 1989
 
ENPULZ, LLC (1)
2001/0039,516 Online purchasing system supporting sellers with affordability screening 33 2001
 
ENTRYPOINT, INC. (1)
5,740,549 Information and advertising distribution system and method 1115 1995
 
ENVOY LLC (1)
5,832,447 Automated system and method for providing real-time verification of health insurance eligibility 168 1994
 
Executing the Numbers, Inc. (1)
6,119,097 System and method for quantification of human performance factors 89 1997
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 458 1996
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 247 1998
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 97 2002
 
Financial Design Systems, Inc. (1)
4,598,367 Financial quotation system using synthesized speech 139 1983
 
FIRST ADVANTAGE CORPORATION (1)
5,274,547 System for generating and transmitting credit reports 211 1991
 
FIRST AMERICAN CMSI (1)
5,878,403 Computer implemented automated credit application analysis and decision routing system 395 1995
 
FIRST DATA CORPORATION (1)
6,978,369 Person-centric account-based digital signature system 68 2001
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 588 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 819 1995
 
Flex Japan Inc. (1)
4,789,928 Auction information transmission processing 585 1987
 
FORD MOTOR COMPANY (1)
6,901,372 Quality operating system 61 2000
 
GALAXIA COMMUNICATIONS INC. (1)
6,793,135 Electronic payment system using multifunctional prepaid cards and method of selling prepaid cards 49 2001
 
GE CAPITAL CORPORATION (1)
5,991,750 System and method for pre-authorization of individual account transactions 334 1997
 
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments 51 2005
 
GENWORTH HOLDINGS, INC. (1)
6,912,502 System and method for compliance management 73 1999
 
GIESECKE & DEVRIENT GMBH (1)
6,343,743 Method of checking authenticity of a data carrier 59 1998
 
GIFT CERTIFICATE CENTER, INC., THE (1)
5,500,514 Method and apparatus for generating gift certificates 138 1993
 
GRAU, EDWARD (1)
2006/0047,589 Investment program contribution system 42 2004
 
GTECH PRINTING CORPORATION (1)
6,134,309 Pre-paid phone card system with promotional link 83 1997
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1007 1989
 
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure 283 1990
 
HAYNES, CHARLES A. (1)
5,717,865 Method for assisting individuals in decision making processes 79 1995
 
HEWLETT-PACKARD COMPANY (1)
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 454 1996
 
HITACHI, LTD. (1)
6,016,954 Card holder-type balance reader 108 1997
 
HONDA GIKEN KOGYO KABUSHIKI KAISHA (1)
2001/0052,756 Electric power steering apparatus 2001
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 337 1996
 
IGT (1)
6,377,669 Method and apparatus for awarding and redeeming prepaid telephone time 61 1998
 
IMX, INC. (1)
5,995,947 Interactive mortgage and loan information and real-time trading system 249 1997
 
IN-STORE BROADCASTING NETWORK, LLC (1)
2005/0234,771 Method and system for providing intelligent in-store couponing 45 2005
 
INTELLECTUAL VENTURES II LLC (1)
6,182,894 Systems and methods for authorizing a transaction card 174 1998
 
Intellicard International, Inc. (1)
4,614,861 Unitary, self-contained card verification and validation system and method 497 1984
 
Intelligent Ideation, Inc. (1)
6,463,039 Method and apparatus for full duplex sideband communication 104 1998
 
INTERACTIVE MEDIA WORKS, INC., A TEXAS CORPORATION (1)
5,749,075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 194 1995
 
INTERMEC IP CORP. (1)
6,529,880 Automatic payment system for a plurality of remote merchants 160 1999
 
INTERNATIONAL SCIENTIFIC CO., LTD. (1)
2002/0091,631 E financial gift card 64 2000
 
INTERNATIONAL WEATHER COVERAGES, INC. (1)
4,766,539 Method of determining the premium for and writing a policy insuring against specified weather conditions 206 1987
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 225 1995
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 120 2000
 
IZER INTERNATIONAL, A CORP. OF CA (1)
4,643,452 Business card attaching strip 88 1985
 
J.J. & Associates Inc. (1)
2002/0082,990 Method of invoice presentation and payment 73 2000
 
J.P. MORGAN CHASE & CO. (1)
2004/0193,539 Mutual fund card method and system 39 2004
 
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
5,339,239 Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal 229 1990
 
JEFFERSON CAPITAL SYSTEMS, LLC (1)
2005/0102,228 System and method for providing a credit account for debt recovery 31 2003
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 74 2004
 
Juergen Dethloff (1)
4,837,422 Multi-user card system 390 1987
 
KALINA, DYAN T. (1)
5,970,480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 126 1997
 
KAPSCH TRAFFICCOM AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 119 1998
 
KOC HOLDING A.S. (1)
2003/0018,613 Privacy-protecting user tracking and targeted marketing 40 2002
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
6,505,780 Personalize vehicle settings using RF tags 96 2001
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 188 1985
 
Lazard Freres & Co. (1)
4,739,478 Methods and apparatus for restructuring debt obligations 169 1986
 
LDC Direct Ltd. (1)
6,169,975 Point-of-distribution pre-paid card vending system 135 1997
 
LEAD CORE FUND, L.L.C. (1)
7,216,091 Stored value transaction system including an integrated database server 72 1999
 
LENDING TREE. THE (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet 206 1998
 
LEVEL Z, L.L.C. (1)
2002/0165,820 Prepaid electronic cash system with pin vending machines 68 2001
 
LHS TELEKOM GMBH & CO. KG (1)
2002/0091,572 Prepaid service interface system and method 77 2001
 
Licensys Pty Ltd (1)
D538349 Number plate 38 2005
 
LIFE FITNESS A NY GENERAL PARTNERSHIP (1)
4,831,242 Control system for health club facilities and equipment 130 1985
 
LoanMarket Resources, L.L.C. (1)
5,940,812 Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network 308 1997
 
LOANX CORPORATION (1)
5,966,699 System and method for conducting loan auction over computer network 266 1996
 
Lobar Code Inc. (1)
5,665,953 Self-contained personal data collector for redeeming coupons 150 1996
 
LORD & KENDYLL INVESTMENTS INC. (1)
5,537,315 Method and apparatus for issuing insurance from kiosk 143 1994
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 83 1991
 
M.A. Rivalto, Inc. (1)
5,482,139 Automated drive-up vending facility 204 1995
 
MAGTEK, INC. (1)
5,814,796 Terminal for issuing and processing data-bearing documents 123 1996
 
Marflex International Inc. (1)
5,503,891 Flexible magnet attractant display mat 57 1994
 
MARITZ HOLDINGS INC. (1)
5,956,695 Filter processor and method for implementing a program 195 1997
 
Martiz, Inc. (1)
5,689,100 Debit card system and method for implementing incentive award program 320 1996
 
MEGA GROUP INTERNATIONAL, LTD. (1)
6,163,770 Computer apparatus and method for generating documentation using a computed value for a claims cost affected by at least one concurrent, different insurance policy for the same insured 207 1998
 
MENTOR GRAPHICS CORPORATION (1)
5,815,683 Accessing a remote cad tool server 95 1996
 
Meridian Enterprises, Inc. (1)
5,025,372 System and method for administration of incentive award program through use of credit 489 1989
 
METRO88 PARTNERSHIP (1)
2001/0034,647 Providing benefits by the internet to minimally identified users 40 2001
 
MICRO ENHANCEMENT INTERNATIONAL (1)
5,857,175 System and method for offering targeted discounts to customers 412 1995
 
Minerva, L.P. (1)
5,926,800 System and method for providing a line of credit secured by an assignment of a life insurance policy 224 1995
 
Mitsubishi Electric Semiconductor Software Co., Ltd. (1)
5,736,728 Non contact IC card and a non contact IC card system 105 1995
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 116 1996
 
MOMENTEX, LLC (1)
6,263,316 Automated process for retailing to a vehicle occupant 125 1999
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 236 1996
 
MoneyAbility Technology, LLC (1)
2006/0085,334 Dynamic financial liability management 67 2004
 
Mordechai Teicher (1)
5,206,488 Credit card system including a central unit and a plurality of local units for conducting low-cost transactions 172 1989
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 275 1999
 
MOTOROLA, INC. (1)
6,049,463 Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same 125 1997
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 100 1999
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 48 2001
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 150 1999
 
NEW ENGLAND LIFE INSURANCE COMPANY (1)
5,523,942 Design grid for inputting insurance and investment product information in a computer system 358 1994
 
New View Technologies, Inc. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 119 1997
 
NEXTCARD, LLC (1)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 266 1998
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 65 1997
 
Okemos Agency, Inc. (1)
5,839,113 Method and apparatus for rating geographical areas using meteorological conditions 101 1996
 
OLYMPUS OPTICAL CO., LTD. (1)
5,551,021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 196 1994
 
Omron Tateisi Electronics Co. (1)
4,594,663 Credit transaction processing system 154 1983
 
OneName Corporation (1)
6,757,710 Object-based on-line transaction infrastructure 165 2002
 
ONTARIO SYSTEMS, LLC (1)
6,041,315 Automated payment system and method 174 1997
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 176 1998
 
OVERTURE SERVICES, INC. (1)
6,173,267 Method for product promotion 194 1998
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 408 1992
 
PANARA ACQUISITIONS CO, LLC (1)
6,216,115 Method for multi-directional consumer purchasing, selling, and transaction management 76 1998
 
PASTORIUS, BRUCE A. (1)
5,095,194 Holographic credit card with automatical authentication and verification 215 1989
 
PELIKON LIMITED (1)
6,360,954 Portable cards 92 2000
 
Pennsylvania Food Merchants Association (1)
5,581,064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 154 1994
 
Pescitelli; John B. (1)
5,845,256 Interactive self-service vending system 148 1997
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 275 1998
 
PRIME RESEARCH ALLIANCE E., INC., A CORPORATION OF BRITISH VIRGIN ISLANDS (1)
6,560,578 Advertisement selection system supporting discretionary target market characteristics 130 2001
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 62 2003
 
PRIVASYS, INC. (1)
2003/0061,168 Method for generating customer secure card numbers 5 2001
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 140 1998
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 240 1996
 
Protech Video Security, Inc. (1)
6,119,932 Identification verification apparatus and method 103 1997
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (1)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 291 1993
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 75 2001
 
QUALTEQ, INC. (1)
4,897,533 Credit card and method of making the same 193 1987
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 264 1995
 
Raff Enterprises, Inc. (1)
5,481,647 User adaptable expert system 124 1993
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 83 2000
 
Reclaim Technology and Services Limited (1)
6,049,773 Automated method for identification of reinsurance claims 108 1997
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 143 2002
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 100 1995
 
RESPONSE REWARDS SYSTEMS, L.C. (1)
5,227,874 Method for measuring the effectiveness of stimuli on decisions of shoppers 529 1991
 
RETIREMENT CAPITAL ACCESS MANAGEMENT COMPANY LLC (1)
6,625,582 Method and system for converting a designated portion of future social security and other retirement payments to current benefits 89 1999
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 45 2002
 
RICOH COMPANY, LTD. (1)
5,920,844 Information display method 86 1996
 
ROCKSTAR BIDCO, LP (1)
6,021,189 System for controlling usage of phone debit cards 39 1997
 
ROHM CO., LTD. (1)
6,802,008 IC card and IC chip module 70 1999
 
ROYAL BANK OF CANADA, AS COLLATERAL AGENT (1)
4,736,294 Data processing methods and apparatus for managing vehicle financing 141 1987
 
RPX CORPORATION (1)
5,970,483 Apparatus and methodology for submitting search queries 67 1997
 
RYAN, RAYMOND D. (1)
5,655,085 Computer system for automated comparing of universal life insurance policies based on selectable criteria 243 1994
 
S/B Exchange Enterprises, Inc. (1)
2003/0004,828 Prepaid card authorization and security system 100 2002
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 90 2003
 
SCHIMATIC CASH TRANSACTIONS NETWORK.COM, INC. (1)
5,806,045 Method and system for allocating and redeeming incentive credits between a portable device and a base device 399 1996
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system 166 1992
 
SEMICONDUCTOR ENERGY LABORATORY CO., LTD. (1)
4,954,985 Ferroelectric liquid crystal data storage card 109 1988
 
SIEBEL SYSTEMS, INC. (1)
5,963,953 Method, and system for product configuration 150 1998
 
Sigma Computer Research Associates Inc. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 338 1988
 
SIGNATURE SYSTEMS LLC (1)
2005/0021,400 Method and system for using multi-function cards for storing, managing and aggregating reward points 115 2004
 
SMART TV LLC (1)
5,907,350 Television signal activated interactive smart card system 116 1997
 
SMART-MOVE LIMITED (1)
6,213,392 Card interface for interfacing a host application program to data storage cards 71 1998
 
SmartCard International Inc. (1)
4,868,376 Intelligent portable interactive personal data system 399 1987
 
SONY CORPORATION (1)
5,845,260 System and method for parent-controlled charging for on-line services 185 1996
 
SOURCE SEARCH TECHNOLOGIES, LLC (1)
5,758,328 Computerized quotation system and method 617 1996
 
SPECIAL EFX LIMITED (1)
D462477 Night light holder 46 2001
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 290 1997
 
Spot Metals Online (1)
5,715,402 Method and system for matching sellers and buyers of spot metals 385 1995
 
Starbucks Corporation (1)
2005/0077,350 Dual card 53 2004
 
STATE STREET CORPORATION (1)
2003/0101,119 Verification of net asset values 83 2001
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 403 1984
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,935 Methods and systems for processing, accounting, and administration of stored value cards 112 2003
 
SWISS REINSURANCE COMPANY (1)
4,975,840 Method and apparatus for evaluating a potentially insurable risk 316 1988
 
Syntelligence (1)
4,866,634 Data-driven, functional expert system shell 111 1987
 
TARGET BRANDS, INC. (1)
D505450 Credit or stored value card with wood layer 45 2003
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 410 1995
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 483 1986
 
The Harrison Company, LLC (1)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 193 1991
 
THE OHIO STATE UNIVERSITY RESEARCH FOUNDATION (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 82 1997
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 134 1998
 
THE REGENTS OF THE UNIVERSITY OF CALIFORNIA (1)
5,838,906 Distributed hypermedia method for automatically invoking external application providing interaction and display of embedded objects within a hypermedia document 545 1994
 
The United States of America as represented by the Administrator of the National Aeronautics and Space Administration (1)
6,223,143 Quantitative risk assessment system (QRAS) 81 1998
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 204 1994
 
Tradevest, Inc. (1)
4,750,119 Purchasing system with rebate feature 289 1986
 
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UNION BEACH LIMITED PARTNERSHIP (1)
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2002/0046,255 System and method for providing prepaid services via an internet protocol network system 75 2001
 
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6,345,261 Customer loyalty investment program 146 1999
 
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6,128,599 Method and apparatus for processing customized group reward offers 296 1997
 
WASHINGTON MUTUAL BANK, F.A. (1)
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Other [Check patent profile for assignment information] (65)
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4,700,055 Multiple credit card system 266 1985
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 255 1989
5,192,947 Credit card pager apparatus 306 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 325 1990
5,689,649 System for operation of a combination mortgage, equity load and savings plan 107 1991
5,206,803 System for enhanced management of pension-backed credit 232 1991
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 410 1991
5,297,026 System for promoting account activity 250 1992
5,359,183 Payment card with display 137 1992
5,326,959 Automated customer initiated entry remittance processing system 325 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 380 1992
5,774,882 Credit approval system 168 1993
5,397,881 Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner 138 1993
5,457,305 Distributed on-line money access card transaction processing system 209 1994
5,585,787 Programmable credit card 325 1994
5,477,040 Structure for a method of facilitating charge transactions 204 1994
5,745,706 Computer system and related equipment for spending and investment account management 183 1994
5,689,650 Community reinvestment act network 262 1995
5,787,404 Credit-card based retirement fund system and method 169 1995
RE36116 Centralized consumer cash value accumulation system for multiple merchants 203 1996
5,955,961 Programmable transaction card 289 1996
5,953,710 Children's credit or debit card system 460 1996
5,857,709 Anticounterfeit documentation with see-through and write-able hologram 137 1997
5,983,206 Computer system and computer-implemented process for implementing a mortgage partnership 108 1997
5,984,180 Method and system for gift credit card 152 1997
H1794 Secure money transfer techniques using hierarchical arrangement of smart cards 58 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 142 1997
6,078,891 Method and system for collecting and processing marketing data 201 1997
5,842,178 Computerized quotation system and method 434 1998
6,078,905 Method for optimizing risk management 64 1998
5,987,436 Obligated investment system 99 1999
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 205 1999
6,145,741 Universal pre-paid gasoline and travel card 105 1999
6,385,591 Method and system for electronic organization of coupons 185 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 219 1999
6,868,426 Virtual document organizer system and method 100 2000
6,561,657 Credit card pocket mirror and miniature billboard 60 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 72 2000
2001/0034,676 Method of payroll access 54 2001
2002/0116,330 Wireless communicating credit card 88 2001
2002/0143,703 Internet cash card 67 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 132 2001
6,481,125 Combination postcard and peel-off sticker 42 2001
2002/0013,728 Universal transaction manager agent, systems and methods 119 2001
2002/0032,609 Calendar transaction manager agent, systems and methods 56 2001
2002/0019,793 Method and system for implementing a combined investment 50 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 97 2001
D468789 Wheeled body board 30 2001
2002/0065,720 Online promotion redemption control 33 2001
2002/0194,081 Internet-based consumer service brand marketing communication system which enables service-providers, retailers, and their respective agents and consumers to carry out service-related functions along the demand side of the retail chain in an integrated manner 102 2002
2002/0120,627 Virtual document organizer system and method 72 2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations 55 2002
2002/0174,016 Multiple accounts and purposes card method and system 139 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 70 2002
D476681 Bank check 40 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 73 2002
D485573 Combined business card with bar code, laser punched holes and radio frequency IC 49 2003
2003/0195,808 Managing retailer product disbursement 72 2003
D495736 Postcard form for maintaining privacy of information contained thereon 40 2003
2004/0024,672 Customer activated multi-value (CAM) card 87 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 63 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 120 2004
2006/0131,869 Methods for use in alerting others that animals are in need of care 29 2005
D551705 Magnetic, sandwich-type bookmark 47 2006

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (2)
8,165,962 System and method for financial instrument pre-qualification and offering 0 2011
8,352,370 System and method for universal instant credit 0 2011
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
8,336,764 Fraud control when granting instant credit 0 2006

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