System and method for single sign on process for websites with multiple applications and services

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7966496
APP PUB NO 20070192618A1
SERIAL NO

11643660

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A system and method for integrating the Internet front end-sign on processes of the various systems of a financial institution which allows a customer to view and access its various financial accounts with the institution.During the initial sign up for the online access to its accounts, a customer creates his/her User ID and password online during the same session. Once the customer has signed on (password) and verified ownership of at least one account, the system displays all of the customer's accounts that are available for access via the Internet website. The online ownership verification uses only a single account of the customer and the ownership verification criteria associated with the account. The account used for verifying a customer is first determined based on the accounts selected by the customer for accessing online. From the selected accounts, the system of the present invention creates a verification hierarchy with respect to the accounts. When determining the verification to use for the single ownership verification, the present invention selects the account from the hierarchy with the most stringent requirements.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY2002

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Ellmore, Kimberly Oakton, US 8 220

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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5835603 Financial transaction system 165 1996
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5615277 Tokenless security system for authorizing access to a secured computer system 396 1994
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6366682 Tokenless electronic transaction system 192 1998
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5532920 Data processing system and method to enforce payment of royalties when copying softcopy books 446 1994
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5838903 Configurable password integrity servers for use in a shared resource environment 116 1995
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5592553 Authentication system using one-time passwords 179 1996
5673316 Creation and distribution of cryptographic envelope 555 1996
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6104716 Method and apparatus for lightweight secure communication tunneling over the internet 278 1997
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5963952 Internet browser based data entry architecture 202 1997
6000033 Password control via the web 137 1997
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6178511 Coordinating user target logons in a single sign-on (SSO) environment 243 1998
6275944 Method and system for single sign on using configuration directives with respect to target types 152 1998
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6507912 Protection of biometric data via key-dependent sampling 99 1999
6493685 Electronic account presentation and response system and method 348 1999
6256664 Method and apparatus for computed relevance messaging 152 1999
6751654 Simulating web cookies for non-cookie capable browsers 66 1999
6535980 Keyless encryption of messages using challenge response 63 1999
6470357 System and method of enhanced directory services for telecommunications management network applications 59 1999
6957337 Method and apparatus for secure authorization and identification using biometrics without privacy invasion 89 1999
6725269 System and method for maintaining multiple identities and reputations for internet interactions 142 1999
6735695 Methods and apparatus for restricting access of a user using random partial biometrics 160 1999
6976164 Technique for handling subsequent user identification and password requests with identity change within a certificate-based host session 116 2000
6819219 Method for biometric-based authentication in wireless communication for access control 316 2000
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7134075 Conversion of documents between XML and processor efficient MXML in content based routing networks 99 2001
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6641050 Secure credit card 204 2001
 
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5450491 Authenticator card and system 139 1993
5541583 Arrangement for interrogating portable data communication devices 157 1995
 
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5778178 Method and apparatus for enabling real-time bi-directional transactions on a network 329 1996
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5677955 Electronic funds transfer instruments 1089 1995
 
DATAMOTION TEXAS LLC (1)
6684248 Method of transferring data from a sender to a recipient during which a unique account for the recipient is automatically created if the account does not previously exist 111 2000
 
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5903878 Method and apparatus for electronic commerce 408 1997
 
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2003/0154,403 Web-based security with controlled access to data and resources 101 2002
 
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5852811 Method for managing financial accounts by a preferred allocation of funds among accounts 560 1994
 
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6014645 Real-time financial card application system 508 1996
 
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6292786 Method and system for generating incentives based on substantially real-time product purchase information 449 1999
 
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5878405 Pension planning and liquidity management system 247 1996
 
SHEP DATA FUNDING LLC (1)
5761661 Data management system and method 135 1994
 
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5921864 Electronic word puzzle game 90 1996
5798508 Postpaid traveler's checks 92 1996
6006205 Credit card billing method and system 151 1997
 
Charter One Financial, Inc. (1)
2003/0225,688 Financial account transfer apparatus and method 59 2002
 
SUPERMARKETS ONLINE, INC. (1)
6298330 Communicating with a computer based on the offline purchase history of a particular consumer 254 1999
 
PHOENIX LICENSING, LLC (3)
5987434 Apparatus and method for transacting marketing and sales of financial products 509 1996
6076072 Method and apparatus for preparing client communications involving financial products and services 345 1997
6999938 Automated reply generation direct marketing system 93 1999
 
HARRAH'S OPERATING COMPANY, INC. (1)
5761647 National customer recognition system and method 736 1996
 
AT&T LABS, INC. (2)
5253294 Secure transmission system 91 1983
5311594 Fraud protection for card transactions 349 1993
 
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5546452 Communications system using a central controller to control at least one network and agent system 281 1995
 
ASPEN MARKETING SERVICES, INC. (1)
5983196 Interactive computerized methods and apparatus for conducting an incentive awards program 234 1996
 
EOLAS TECHNOLOGIES, INC. (1)
5838906 Distributed hypermedia method for automatically invoking external application providing interaction and display of embedded objects within a hypermedia document 692 1994
 
GENERAL INSTRUMENT CORPORATION (GIC-4) (1)
5054067 Block-cipher cryptographic device based upon a pseudorandom nonlinear sequence generator 45 1990
 
GENERAL ELECTRIC COMPANY (1)
4845347 Transaction system 76 1986
 
CURSYS, INC. (NOW CURRENCY SCIENTIFIC INC.) (1)
5420405 Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes 318 1993
 
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6088451 Security system and method for network element access 425 1996
5944824 System and method for single sign-on to a plurality of network elements 425 1997
6202151 System and method for authenticating electronic transactions using biometric certificates 244 1997
7225249 Integrated systems for providing communications network management services and interactive generating invoice documents 287 1998
2005/0216,421 Integrated business systems for web based telecommunications management 518 2005
 
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6014641 Method and apparatus for providing open-ended subscriptions to commodity items normally available only through term-based subscriptions 112 1996
 
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5621789 Method and system for integrating a plurality of call center agent performance enhancement modules 190 1993
5684870 Method and system for transferring calls and call-related data between a plurality of call centers 204 1996
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
6016476 Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security 658 1998
 
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5754840 System, method, and computer program product for developing and maintaining documents which includes analyzing a patent application with regards to the specification and claims 182 1996
6216115 Method for multi-directional consumer purchasing, selling, and transaction management 107 1998
6587835 Shopping assistance with handheld computing device 1208 2000
 
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5381332 Project management system with automated schedule and cost integration 200 1991
 
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5835580 Method and apparatus for automated provisioning and billing of communication services 234 1996
5950174 Affiliation-based arrangement for billing 161 1997
 
AMERICA ONLINE, INC. (1)
2005/0278,641 Javascript Calendar Application Delivered to a Web Browser 176 2003
 
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D491953 Proximity interface with advertising insert for transaction acceptance systems 77 2002
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D491186 Magnetic stripe simulacrum for transaction acceptance systems 65 2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems 57 2003
 
DYNAMIC APPLET TECHNOLOGIES, LLC (1)
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FITBIT, INC. (3)
2006/0249,574 Automated payment card fraud detection and location 82 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 133 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 103 2006
 
RESEARCH IN MOTION LIMITED (1)
6868391 Tele/datacommunications payment method and apparatus 244 1998
 
Spot Metals Online (1)
5715402 Method and system for matching sellers and buyers of spot metals 571 1995
 
MShift, Inc. (1)
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5740231 Network-based multimedia communications and directory system and method of operation 555 1994
6161182 Method and apparatus for restricting outbound access to remote equipment 128 1998
 
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6199077 Server-side web summary generation and presentation 303 1999
2002/0023,108 AUTOMATIC WEB FORM INTERACTION PROXY 105 1999
 
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2004/0019,563 Purchasing on the internet using verified order information and bank payment assurance 34 2003
 
The Beacon Journal Publishing Company (1)
2002/0095,443 Method for automated generation of interactive enhanced electronic newspaper 42 2002
 
The Escher Group, Ltd. (1)
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Financial Engines, Inc. (1)
5918217 User interface for a financial advisory system 368 1997
 
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5511117 Integrated voice and business transaction reporting for telephone call centers 134 1994
5675637 Method for automatically obtaining and presenting data from multiple data sources 183 1995
5640577 Data processing system with automated at least partial forms completion 445 1995
5724424 Digital active advertising 1099 1995
5790650 Telephone call center management system which supports multi-user and separate private applications 138 1996
5963635 Method and apparatus for providing result-oriented customer service 280 1996
6298356 Methods and apparatus for enabling dynamic resource collaboration 181 1998
 
CATALINA MARKETING CORPORATION (7)
5644723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 501 1994
5832457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 635 1995
5642485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 502 1995
5649114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 609 1995
5687322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 843 1995
5710886 Electric couponing method and apparatus 658 1995
6424949 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 217 1997
 
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7185094 Media session framework using a control module to direct and manage application and service servers 56 2001
 
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6164533 Point of sale automatic savings program contribution system 212 1998
 
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5991780 Computer based system, method, and computer program product for selectively displaying patent text and images 143 1998
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4650981 Credit card with active electronics 181 1984
 
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4723246 Integrated scrambler-encoder using PN sequence generator 53 1985
 
FUJI XEROX CO., LTD. (1)
2006/0274,970 Image processing device, method, and storage medium which stores a program 25 2005
 
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5870724 Targeting advertising in a home retail banking delivery service 520 1995
6202054 Method and system for remote delivery of retail banking services 448 1998
 
INTERNET MEDIA INTERACTIVE CORPORATION (1)
6049835 System for providing easy access to the World Wide Web utilizing a published list of preselected Internet locations together with their unique multi-digit jump codes 180 1996
 
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6065675 Processing system and method for a heterogeneous electronic cash environment 333 1998
 
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6408389 System for supporting secured log-in of multiple users into a plurality of computers using combined presentation of memorized password and transportable passport record 65 2000
 
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DIALWARE INC. (1)
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XEROX CORPORATION (1)
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6317834 Biometric authentication system with encrypted models 197 1999
 
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2003/0051,026 Network surveillance and security system 435 2001
 
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5692132 System and method for conducting cashless transactions on a computer network 584 1995
5699528 System and method for bill delivery and payment over a communications network 1148 1995
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OPTIMIZEUSA, INC. (1)
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TELEBUYER, LLC (1)
5412708 Videophone system for scrutiny monitoring with computer control 188 1993
 
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5450134 Video facility management system for encoding and decoding video signals to facilitate identification of the video signals 137 1993
5557334 Apparatus for tracking the flow of video signals by incorporating patterns of machine readable signals which will appear at predetermined locations of a television picture 130 1995
 
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5432326 Systems and methods for operating data card terminals for transaction chargeback protection 83 1994
 
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2002/0029,269 Methods and systems for coordinating the termination of sessions on one or more systems 68 2001
7093020 Methods and systems for coordinating sessions on one or more systems 91 2001
 
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5781909 Supervised satellite kiosk management system with combined local and remote data storage 243 1996
 
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6684212 System and method for data sharing between members of diverse organizations 40 2000
 
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6070147 Customer identification and marketing analysis systems 599 1996
 
TRIDIM INNOVATIONS LLC (1)
5847709 3-D document workspace with focus, immediate and tertiary spaces 186 1996
 
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2005/0033,619 METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE 85 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 214 2004
7506806 Smartcard transaction method and system using fingerprint recognition 45 2007
 
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5926812 Document extraction and comparison method with applications to automatic personalized database searching 171 1997
 
BACK PAGES INC. (1)
5513102 Data processing methods of implementing an award to an authorized user of a credit card 350 1994
 
RPX CLEARINGHOUSE LLC (2)
6092196 HTTP distributed remote user authentication system 560 1997
6101486 System and method for retrieving customer information at a transaction center 257 1998
 
MORE MAGIC HOLDINGS, INC. (1)
6343323 Resource retrieval over a source network determined by checking a header of the requested resource for access restrictions 53 1998
 
FACEBOOK, INC. (3)
5657390 Secure socket layer application program apparatus and method 413 1995
6014638 System for customizing computer displays in accordance with user preferences 726 1996
5825890 Secure socket layer application program apparatus and method 246 1997
 
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5352877 Non-contact transaction system with token presence detection 69 1992
 
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4799156 Interactive market management system 1857 1986
 
CITIBANK, N.A. (17)
5557518 Trusted agents for open electronic commerce 913 1994
5710889 Interface device for electronically integrating global financial services 751 1995
5866889 Integrated full service consumer banking system and system and method for opening an account 195 1995
5659165 Customer-directed, automated process for transferring funds between accounts via a communications network 371 1995
5966695 Sales and marketing support system using a graphical query prospect database 497 1995
5642419 Method for acquiring and revalidating an electronic credential 312 1995
6049782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 304 1996
5930764 Sales and marketing support system using a customer information database 528 1996
6088686 System and method to performing on-line credit reviews and approvals 662 1996
6029153 Method and system for analyzing and handling the customer files of a financial institution 130 1997
6081790 System and method for secure presentment and payment over open networks 314 1998
6381587 Method and system for standardizing and reconciling invoices from vendors 66 1998
6226623 Global financial services integration system and process 458 1998
7010512 Transfer instrument 105 1998
6131810 Integrated full service consumer banking system and system and method for opening an account 305 1999
6385652 Customer access solutions architecture 95 1999
6349290 Automated system and method for customized and personalized presentation of products and services of a financial institution 349 1999
 
PLURIS SAVINGS NETWORKS, LLC (1)
6105865 Financial transaction system with retirement saving benefit 470 1998
 
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4725719 Restricted purpose, commercial, monetary regulation method 210 1986
 
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RATEZE REMOTE MGMT. L.L.C. (2)
5765141 Computerized merchandising system 315 1995
5870718 Computer-printer terminal for producing composite greeting and gift certificate card 300 1996
 
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OPEN NETWORK SOLUTIONS, INC. (3)
5742845 System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network 557 1995
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5905908 Open network system for I/O operations with non-standard I/O devices utilizing extended protocol including device identifier and identifier for operation to be performed with device 223 1997
 
SPINDLE MOBILE, INC. (1)
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5794207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1836 1996
 
ZIH CORP. (1)
5680459 Passive transponder 134 1995
 
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5991751 System, method, and computer program product for patent-centric and group-oriented data processing 355 1997
 
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6091817 Host and user transaction system 147 1997
6095412 Host and user transaction system 161 1997
 
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5485370 Home services delivery system with intelligent terminal emulator 256 1993
 
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CITICORP CREDIT SERVICES, INC. (USA) (2)
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7137006 Method and system for single sign-on user access to multiple web servers 127 2000
 
Indala Corporation (1)
5382784 Hand-held dual technology identification tag reading head 263 1993
 
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5848143 Communications system using a central controller to control at least one network and agent system 277 1996
6311275 Method for providing single step log-on access to a differentiated computer network 107 1998
6219706 Access control for networks 348 1998
6253327 Single step network logon based on point to point protocol 164 1998
6687222 Backup service managers for providing reliable network services in a distributed environment 134 1999
7051199 System, method and article of manufacture for providing cryptographic services utilizing a network 33 2000
6847991 Data communication among processes of a network component 99 2001
 
FDR INTERACTIVE TECHNOLOGIES, 200 VESEY STREET, NEW YORK, NEW YORK, 10285, A NY PARTNERSHIP (1)
5016270 Expanded telephone data organization system 155 1989
 
CITRIX SYSTEMS INTERNATIONAL GMBH (1)
6243816 Single sign-on (SSO) mechanism personal key manager 212 1998
 
WALKER ASSET MANAGEMENT LTD. PARTNERSHIP (2)
5923763 Method and apparatus for secure document timestamping 190 1996
5828751 Method and apparatus for secure measurement certification 124 1996
 
PROACT TECHNOLOGIES CORP. (1)
2002/0184,507 Centralized single sign-on method and system for a client-server environment 101 2001
 
EMC CORPORATION (2)
5367572 Method and apparatus for personal identification 111 1992
5818936 System and method for automically authenticating a user in a distributed network system 177 1996
 
INTEL CORPORATION (2)
5664115 Interactive computer system to match buyers and sellers of real estate, businesses and other property using the internet 947 1995
6792572 Method and apparatus to approve documents 20 2000
 
SMART TONE, INC. (3)
5583933 Method and apparatus for the secure communication of data 154 1994
5745555 System and method using personal identification numbers and associated prompts for controlling unauthorized use of a security device and unauthorized access to a resource 199 1996
5825871 Information storage device for storing personal identification information 201 1996
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (1)
5653914 Electroluminescent device comprising a chromophoric polymeric composition 155 1995
 
ONLINE RESOURCES & COMMUNICATIONS INC. (1)
5220501 Method and system for remote delivery of retail banking services 1524 1989
 
ACTIVANT SOLUTIONS INC. (1)
5765143 Method and system for inventory management 315 1995
 
ADOBE SYSTEMS INCORPORATED (1)
6766370 Internet website traffic flow analysis using timestamp data 127 2002
 
PINPOINT INCORPORATED (1)
5835087 System for generation of object profiles for a system for customized electronic identification of desirable objects 1273 1995
 
SONUS NETWORKS, INC. (1)
2003/0159,072 Single sign-on for multiple network -based services 106 2003
 
XATRA FUND MX, LLC (1)
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 77 2004
 
AUCTNYC 20 LLC (1)
5969318 Gateway apparatus for designing and issuing multiple application cards 202 1997
 
NEC CORPORATION (3)
4663500 Cryptographic system 26 1986
6938158 Single sign-on system and single sign-on method for a web site and recording medium 63 2001
2005/0071,637 Password authenticating apparatus, method, and program 28 2004
 
WALKER DIGITAL MANAGEMENT LIMITED PARTNERSHIP (1)
5884274 System and method for generating and executing insurance policies for foreign exchange losses 165 1996
 
Lykes Bros., Inc. (1)
5666493 System for managing customer orders and method of implementation 507 1993
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (34)
5768382 Remote-auditing of computer generated outcomes and authenticated biling and access control system using cryptographic and other protocols 1024 1995
5871398 Off-line remote system for lotteries and games of skill 667 1996
5947747 Method and apparatus for computer-based educational testing 191 1996
5825863 Prepaid limited usage calling card 165 1996
5970143 Remote-auditing of computer generated outcomes, authenticated billing and access control, and software metering system using cryptographic and other protocols 729 1996
5884270 Method and system for facilitating an employment search incorporating user-controlled anonymous communications 225 1996
5884272 Method and system for establishing and maintaining user-controlled anonymous communications 301 1996
5995976 Method and apparatus for distributing supplemental information related to printed articles 117 1996
5949875 Parallel data network billing and collection system 124 1996
6012983 Automated play gaming device 673 1996
6001016 Remote gaming device 781 1996
5946388 Method and apparatus for priority queuing of telephone calls 222 1997
5970478 Method, apparatus, and program for customizing credit accounts 254 1997
5909486 Method and apparatus for awarding and redeeming prepaid telephone time 168 1997
6010404 Method and apparatus for using a player input code to affect a gambling outcome 227 1997
6014439 Method and apparatus for entertaining callers in a queue 158 1997
5978467 Method and apparatus for enabling interaction between callers with calls positioned in a queue 142 1997
6088444 Method and apparatus for value-based queuing of telephone calls 99 1997
5926796 Method and apparatus for selling subscriptions to periodicals in a retail environment 181 1997
5737414 900 number billing and collection system and method for on-line computer services 177 1997
5949044 Method and apparatus for funds and credit line transfers 386 1997
6144948 Instant credit card marketing system for reservations for future services 401 1997
5945653 System and method for establishing and executing functions to affect credit card accounts and transactions 350 1997
6119093 System for syndication of insurance 213 1997
5970470 System and method for establishing and managing subscription purchase agreements including commitments to purchase goods over time at agreed upon prices 198 1997
6119099 Method and system for processing supplementary product sales at a point-of-sale terminal 243 1997
6018718 Method and system for processing customized reward offers 419 1997
6208978 System and method for issuing security deposit guarantees based on credit card accounts 130 1997
6064987 Method and apparatus for providing and processing installment plans at a terminal 291 1997
6128599 Method and apparatus for processing customized group reward offers 475 1997
6049778 Method and apparatus for administering a reward program 424 1997
5999596 Method and system for controlling authorization of credit card transactions 235 1998
5967896 Method and apparatus for controlling a gaming device having a plurality of balances 259 1998
6336104 Method and apparatus for providing and processing installment plans at a terminal 88 1999
 
WALKER DIGITAL, LLC (2)
6024640 Off-line remote lottery system 473 1997
6138106 Dynamically changing system for fulfilling concealed value gift certificate obligations 161 1997
 
DANA AUTOMOTIVE SYSTEMS GROUP, LLC (1)
6832587 Plastic valve cover with integrated metal 31 2003
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (2)
5550734 Computerized healthcare accounts receivable purchasing collections securitization and management system 405 1993
5704044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 388 1996
 
MICRO ENHANCEMENT INTERNATIONAL (1)
7024374 Targeted marketing and purchase behavior monitoring system 98 2000
 
INTUIT INC. (3)
5903881 Personal online banking with integrated online statement and checkbook user interface 603 1997
7395241 Consumer-directed financial transfers using automated clearinghouse networks 80 2000
2003/0204,460 Data collection and transaction initiation using a financial messaging protocol 74 2003
 
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6014636 Point of sale method and system 342 1997
 
AMSTRAD PUBLIC LIMITED COMPANY (1)
5537473 Video recorder system 76 1995
 
HRB Tax Group, Inc. (1)
7539635 System and method for generating a personalized tax advice document 24 2003
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4752676 Reliable secure, updatable "cash" card system 245 1985
 
WANG SOFTWARE N.Y., INC. (2)
5446740 Method of and apparatus for processing data at a remote workstation 190 1993
5568489 Method and apparatus for processing data received at a remote workstation 192 1995
 
CITICORP (2)
5914472 Credit card spending authorization control system 547 1997
6188309 Method and apparatus for minimizing credit card fraud 121 1998
 
PLUSNETMARKETING, INC. (1)
2004/0215,514 METHOD AND SYSTEM FOR REDEEMING PRODUCT MARKETING REBATES 55 2003
 
HELP/SYSTEMS, LLC (1)
6134549 Client/server computer system having personalizable and securable views of database data 181 1995
 
WASHINGTON MUTUAL BANK, F.A. (1)
5734838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 468 1995
 
JDA SOFTWARE GROUP, INC (1)
6983421 Using connectors to automatically update graphical user interface elements at a client system according to an updated state of a configuration 92 2002
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6044362 Electronic invoicing and payment system 453 1997
 
PrivaSys (1)
2007/0034,700 Electronic cards and methods for making same 183 2006
 
AMERICAN EXPRESS COMPANY (1)
4453074 Protection system for intelligent cards 385 1981
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2002/0128,977 Microchip-enabled online transaction system 126 2001
 
BOTTOMLINE TECHNOLOGIES, INC. (2)
6223168 Automatic remittance delivery system 206 1998
2003/0167,229 Modular business transations platform 73 2001
 
SENA CONSULTING INC. (1)
2003/0070,069 Authentication module for an enterprise access management system 68 2001
 
SAMSUNG ELECTRONICS CO., LTD. (4)
2003/0131,357 Method and apparatus for displaying additional information linked to digital TV program 40 2002
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
2003/0193,657 Range finder device and camera 43 2003
 
VISA INTERNATIONAL SERVICE ASSOCIATION (7)
4701601 Transaction card with magnetic stripe emulator 507 1985
5465206 Electronic bill pay system 839 1993
5703344 Electronic funds confirmation at point of transaction 367 1995
5621201 Automated purchasing control system 473 1996
5920847 Electronic bill pay system 751 1996
5963925 Electronic statement presentment system 468 1997
6560581 System and method for secure electronic commerce transaction 342 1998
 
PTC INC. (1)
7117239 Reporting the state of an apparatus to a remote computer 157 2000
 
CHASE BANK USA, N.A. (4)
7163153 Selectable multi-purpose card 237 2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag 57 2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag 54 2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag 54 2007
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 166 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 60 2004
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 174 2000
 
Pragmatus Telecom, LLC (1)
5884032 System for coordinating communications via customer contact channel changing system using call centre for setting up the call between customer and an available help agent 879 1995
 
AMTECH SYSTEMS, LLC (1)
5351187 Automatic debiting parking meter system 186 1992
 
DS-IQ, INC. (1)
6330543 Method and system for distributing and reconciling electronic promotions 290 1998
 
GBS Systems Corporation (1)
5341428 Multiple cross-check document verification system 89 1992
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 217 2003
 
NSK LTD. (1)
5644493 Production information processing system 116 1995
 
Urban Juice & Soda Company (1)
6493677 Method and apparatus for creating and ordering customized branded merchandise over a computer network 93 2000
 
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (6)
5678046 Method and apparatus for distributing files on a file storage device 303 1995
6038552 Method and apparatus to process combined credit and debit card transactions 246 1997
6418457 Document storage and processing system for inventors that utilize timestamps and digital signatures 63 1997
6535855 Push banking system and method 213 1998
6609125 Funds transfer repair system 125 1999
6609113 Method and system for processing internet payments using the electronic funds transfer network 518 2000
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (5)
7249112 System and method for assigning a funding source for a radio frequency identification device 117 2002
7228155 System and method for remotely initializing a RF transaction 96 2004
7493288 RF payment via a mobile device 65 2004
7312707 System and method for authenticating a RF transaction using a transaction account routing number 79 2004
2005/0077,349 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 132 2004
 
OneCore Financial Network, Inc. (1)
6606606 Systems and methods for performing integrated financial transaction 213 1999
 
PHONENICIA INNOVATIONS LLC SUBSIDIARY OF PENDRELL TECHNOLOGIES LLC (1)
6182220 System and method for building and exchanging encrypted passwords between a client and server 51 1998
 
Prout AG (1)
6498657 Programmable data extractor, data analyzer, and printer report generator 49 1999
 
Time Warner Inc. (1)
6539424 Restricting deep hyperlinking on the World Wide Web 106 1999
 
FREE-PC, INC. (1)
6907566 Method and system for optimum placement of advertisements on a webpage 501 1999
 
NATIONAL SEMICONDUCTOR CORPORATION (1)
5828812 Recurrent neural network-based fuzzy logic system and method 66 1995
 
INTERNET DEVELOPMENT RESEARCH CENTER, INC. (1)
2002/0104,017 Firewall system for protecting network elements connected to a public network 67 2001
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 327 2003
 
COMPUWARE CORPORATION (1)
6519763 Time management and task completion and prediction software 183 1999
 
iMarket, Incorporated (1)
6026398 System and methods for searching and matching databases 306 1997
 
OL SECURITY LIMITED LIABILITY COMPANY (1)
6088683 Secure purchase transaction method using telephone number 352 1996
 
BOSTON GEAR LLC (1)
4964043 System for visualizing, identifying and ordering gearing configurations 127 1988
 
MENTOR GRAPHICS CORPORATION (1)
5815683 Accessing a remote cad tool server 124 1996
 
IBM INTERNATIONAL GROUP BV (1)
5758126 Customizable bidirectional EDI translation system 212 1996
 
SCIENCE APPLICATIONS INTERNATIONAL CORPORATION (1)
2005/0055,306 User-defined dynamic collaborative environments 344 2004
 
BMC RESOURCES, INC. (3)
5652786 Automated interactive bill payment system 295 1996
5715298 Automated interactive bill payment system using debit cards 228 1997
5870456 Automated interactive bill payment system using debit cards 260 1997
 
ADMINASTAR COMMUNICATIONS, INC. (1)
5644778 Medical transaction system 237 1993
 
CONCEALOGRAM LTD. (1)
2004/0146,159 Hiding images in halftone pictures 12 2004
 
UMB INTERNATIONAL, LLC (1)
6266648 Benefits tracking and correlation system for use with third-party enabling organizations 75 1998
 
MicroBilt Corporation (2)
5466920 Real time decoding for card transaction terminal 57 1991
5479530 Signature capturing printer and data card terminal 150 1993
 
AOL LLC (1)
6496855 Web site registration proxy system 183 2000
 
VIRNETX, INC. (1)
2003/0037,142 Agile network protocol for secure communications with assured system availability 78 2002
 
ACTIVCARD IRELAND LIMITED (1)
7093282 Method for supporting dynamic password 36 2001
 
IOWA STATE UNIVERSITY RESEARCH FOUNDATION, INC. (1)
6044402 Network connection blocker, method, and computer readable memory for monitoring connections in a computer network and blocking the unwanted connections 131 1997
 
ENTRUST, INC. (3)
6182142 Distributed access management of information resources 550 1998
6453353 Role-based navigation of information resources 401 1999
6339423 Multi-domain access control 209 2000
 
Aegis Technology Inc. (1)
5606496 Personal assistant computer method 148 1995
 
Exxon Research and Engineering Company (2)
5072380 Automatic vehicle recognition and customer billing system 196 1990
5500890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 168 1993
 
AIMIA PROPRIETARY LOYALTY U.S. INC. (1)
6138911 In-store points redemption system and method 255 1999
 
SOVERAIN SOFTWARE LLC (1)
5715314 Network sales system 1400 1994
 
Steven Nichtberger (1)
4882675 Paperless system for distributing, redeeming and clearing merchandise coupons 569 1984
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
5870725 High volume financial image media creation and display system and method 327 1995
 
JP Morgan Chase Bank (1)
2004/0122,736 System and method for granting promotional rewards to credit account holders 155 2003
 
HITACHI, LTD. (7)
5018196 Method for electronic transaction with digital signature 134 1989
5450537 Method and apparatus for completing a partially completed document in accordance with a blank form from data automatically retrieved from a database 169 1993
5774122 Method for visual programming with aid of animation 89 1996
5832476 Document searching method using forward and backward citation tables 116 1996
5952639 Depositing, withdrawal, balance check, exchange and transfer of electronic money in automatic cash handling machine 182 1996
6718482 Fault monitoring system 79 2001
6954932 Program control system and program control method 34 2001
 
First Marketrust Intl. (1)
5537314 Referral recognition system for an incentive award program 799 1995
 
Amway Corp. (1)
6980962 Electronic commerce transactions within a marketing system that may contain a membership buying opportunity 315 2000
 
Vermeer Technologies, Inc. (1)
5819092 Online service development tool with fee setting capabilities 629 1997
 
Gazebo Inc. (1)
2002/0087,447 System and method for managing and executing event based investments 107 2001
 
BELL TELEPHONE LABORATORIES, INCORPORATED (2)
4471164 Stream cipher operation using public key cryptosystem 140 1981
4984272 Secure file handling in a computer operating system 111 1988
 
INTER*ACT SYSTEMS, INCORPORATED (8)
5237620 Check reader method and system for reading check MICR code 245 1992
5621812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 601 1993
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 490 1994
5448471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 370 1994
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 365 1994
5592560 Method and system for building a database and performing marketing based upon prior shopping history 465 1994
5430644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 297 1994
5659469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 330 1995
 
York Eggleston (1)
6061660 System and method for incentive programs and award fulfillment 646 1998
 
WYNN, SOL H. (1)
5859419 Programmable multiple company credit card system 480 1995
 
VINDICATOR, 1445 OAKLAND ROAD, SAN JOSE, CA 95112-1203 (1)
4980913 Security system network 139 1988
 
CHECKFREE CORPORATION (2)
5873072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 356 1995
6289322 Electronic bill processing 410 1998
 
FUJITSU LIMITED (6)
5097115 Transaction authentication system 133 1989
6003762 Transaction terminal for an electronic cashless system 271 1994
5848427 Information changing system and method of sending information over a network to automatically change information output on a user terminal 110 1996
5913202 Financial information intermediary system 421 1997
2003/0018,915 Method and system for user authentication and authorization of services 54 2001
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 89 2004
 
FIRST DATA CORPORATION (8)
6141651 Funding and settlement integrated suspense processing system 155 1998
6820202 Account authority digital signature (AADS) system 108 1998
6135349 System and method for enabling a merchant to apply for a credit card processing account using the internet 193 1999
6202005 System for selectively printing messages and adding inserts to merchant statements 85 1999
6349242 Method for selectively printing messages and adding inserts to merchant statements 77 2001
6623415 Sheet folding systems and methods 66 2001
2002/0198,806 Systems and methods for accessing and modifying usage parameters associated with a financial transaction account 126 2002
2003/0115,160 Weight measuring systems and methods for weighing items 61 2002
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5265033 ATM/POS based electronic mail system 502 1991
5473143 ATM/POS based electronic mail system 325 1993
 
BOWIE, STUART S. (1)
6195644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 192 1999
 
TELECOM ITALIA S.P.A. (1)
6738779 Apparatus for and method of multiple parallel string searching 73 2001
 
RED HAT, INC. (1)
5987454 Method and apparatus for selectively augmenting retrieved text, numbers, maps, charts, still pictures and/or graphics, moving pictures and/or graphics and audio information from a network resource 600 1997
 
CASIO COMPUTER CO., LTD. (2)
4697072 Identification card and authentication system therefor 127 1985
4801787 IC card identification system having first and second data identification functions 91 1986
 
S.F. IP PROPERTIES 33 LLC (1)
5163098 System for preventing fraudulent use of credit card 111 1990
 
V-One Corporation (1)
5590197 Electronic payment system and method 890 1995
 
BORLAND SOFTWARE CORPORATION (1)
5603025 Methods for hypertext reporting in a relational database management system 300 1994
 
TRADEWARE TECHNOLOGIES, INC. (1)
5235509 Customer self-ordering system using information displayed on a screen 295 1989
 
PAYPAL, INC. (6)
5826241 Computerized system for making payments and authenticating transactions over the internet 914 1994
5832460 Method and system for bill presentation and payment reconciliation 374 1995
6327578 Four-party credit/debit payment protocol 507 1998
6267292 Method and apparatus for funds and credit line transfers 378 1999
7089208 System and method for electronically exchanging value among distributed users 322 2000
2001/0016,835 Method of payment by means of an electronic communication device 57 2001
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 133 2001
 
THOMSON REUTERS GLOBAL RESOURCES UNLIMITED COMPANY (2)
5864871 Information delivery system and method including on-line entitlements 410 1997
6535917 Market data domain and enterprise system implemented by a master entitlement processor 68 1999
 
E-KOOPON S.A.R.L. (1)
2002/0010,627 System and method for creation, distribution, exchange, redemption and tracking of digitally signed electronic coupons 73 2001
 
JPMORGAN CHASE BANK, N.A. (35)
6266683 Computerized document management system 183 1997
6006249 Method and apparatus for concurrent data processing 159 1997
6070244 Computer network security management system 316 1997
6438666 Method and apparatus for controlling access to confidential data by analyzing property inherent in data 84 1998
6301567 Lockbox browser system 118 1998
6227447 Cardless payment system 472 1999
6718388 Secured session sequencing proxy system and method therefor 72 1999
6557039 System and method for managing information retrievals from distributed archives 255 1999
7058817 System and method for single sign on process for websites with multiple applications and services 95 2000
7321864 System and method for providing funding approval associated with a project based on a document collection 123 2000
6631849 Selectable multi-purpose card 502 2000
6341724 Cardless payment system 221 2001
6532284 Method and system for optimizing bandwidth cost via caching and other network transmission delaying techniques 133 2001
7526449 Optically encoded card and system and method for using 19 2001
6772146 Website for financial information 102 2001
2002/0077,978 Method and system for processing internet payments 401 2001
7103556 System and method for aggregate portfolio client support 125 2001
2003/0105,981 System and method for single session sign-on 126 2001
7689506 System and method for rapid updating of credit information 18 2002
7689504 System and method for establishing or modifying an account with user selectable terms 42 2002
2003/0101,131 System and method for establishing or modifying an account with user selectable terms 167 2002
2003/0187,787 System and process for performing purchase transactions using tokens 154 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 108 2004
2005/0091,492 Portable security transaction protocol 54 2004
7392222 System and method for providing promotional pricing 124 2004
7191952 Selectable multi-purpose card 122 2004
7401731 Method and system for implementing a card product with multiple customized relationships 105 2005
2006/0116,949 System for automatically transferring account information, such as information regarding a financial services account 77 2006
7444672 System and method for single sign on process for websites with multiple applications and services 22 2006
7461265 System and method for single sign on process for websites with multiple applications and services 20 2006
2007/0118,470 System and Method for Establishing or Modifying an Account With User Selectable Terms 27 2006
7357331 Selectable multi-purpose card 57 2006
2008/0288,396 System and Method For Combined Reconciliation Of Co-Branded Card Promotion And Settlement Of Private Label Card Accounts 32 2007
2008/0184,315 Electronic television program guide schedule system and method with remote product ordering 82 2007
2009/0192,940 SYSTEM FOR PROVIDING CARDLESS PAYMENT 17 2009
 
MICROSOFT TECHNOLOGY LICENSING, LLC (19)
5852812 Billing system for a network 594 1995
5878141 Computerized purchasing system and method for mediating purchase transactions over an interactive network 535 1995
* 5815665 System and method for providing trusted brokering services over a distributed network 772 1996
6189029 Web survey tool builder and result compiler 334 1996
5842211 Method and system for transferring a bank file to an application program 165 1997
5883810 Electronic online commerce card with transactionproxy number for online transactions 765 1997
6000832 Electronic online commerce card with customer generated transaction proxy number for online transactions 660 1997
6484149 Systems and methods for viewing product information, and methods for generating web pages 495 1997
6026429 Seamless integration of internet resources 270 1997
6308273 Method and system of security location discrimination 458 1998
6308274 Least privilege via restricted tokens 194 1998
6584505 Authenticating access to a network server without communicating login information through the network server 183 1999
6574348 Technique for watermarking an image and a resulting watermarked image 78 1999
6401211 System and method of user logon in combination with user authentication for network access 153 2000
7051330 Generic application server and method of operation therefor 101 2000
6892231 Method and apparatus for verifying the contents of a global configuration file 60 2000
7203909 System and methods for constructing personalized context-sensitive portal pages or views by analyzing patterns of users' information access activities 111 2002
7076453 System and method for designing and operating an electronic store 117 2002
7299201 System and method for designing and operating an electronic store 31 2006
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (2)
5825870 Methods and apparatus for implementing a network call center 145 1996
6170011 Method and apparatus for determining and initiating interaction directionality within a multimedia communication center 458 1998
 
SANTA CRUZ NETWORKS, INC. (1)
2003/0041,165 System and method for group video teleconferencing using a bandwidth optimizer 41 2001
 
Electronic Consumer Concepts, L.L.C. (1)
5845259 Electronic coupon dispensing system 447 1996
 
PSC SCANNING, INC. (1)
5789732 Portable data module and system for consumer transactions 177 1996
 
CK GLOBAL INC. (1)
2002/0019,938 Method and apparatus for secure identification for networked environments 64 2001
 
QUALCOMM INCORPORATED (2)
2006/0091,853 Battery disable/enable control circuitry of a portable computing device 1 2005
2006/0091,853 Battery disable/enable control circuitry of a portable computing device 1 2005
 
FAIR ISAAC CORPORATION (1)
5794178 Visualization of information using graphical representations of context vector based relationships and attributes 451 1996
 
MPOWER MOBILE, INC. (1)
2007/0203,850 Multifactor authentication system 63 2007
 
CLOUDING CORP. (1)
6925481 Technique for enabling remote data access and manipulation from a pervasive device 63 2001
 
ECTOLINK, LLC (1)
5826245 Providing verification information for a transaction 442 1995
 
LIFESHIELD SCIENCES LLC (1)
6016810 Endovasular aortic graft 127 1998
 
UNISYS CORPORATION (1)
2005/0193,056 Message transfer using multiplexed connections in an open system interconnection transaction processing environment 44 2002
 
C-SAM, INC. (1)
5590038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 896 1994
 
LOANX CORPORATION (1)
5966699 System and method for conducting loan auction over computer network 378 1996
 
MONEYFAX, INC. (2)
4454414 Funds transfer system using optically coupled, portable modules 498 1982
5122950 Method of and system for electronic funds transfer via facsimile machines 174 1989
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
NUANCE COMMUNICATIONS, INC. (1)
* 8509399 User profile based speech to text conversion for visual voice mail 1 2012
 
JPMORGAN CHASE BANK, N.A. (1)
8590008 System and method for single sign on process for websites with multiple applications and services 15 2008
 
EWI HOLDINGS, INC. (4)
8594286 Systems and methods for personal identification number distribution and delivery 2 2012
8967464 System and method for electronic prepaid account replenishment 1 2013
8867713 Systems and methods for personal identification number distribution and delivery 1 2013
9558484 System and method for electronic prepaid account replenishment 0 2015
 
BANK OF AMERICA CORPORATION (3)
* 2011/0208,603 CUSTOMER ONBOARDING 0 2010
9646342 Remote control for online banking 0 2013
9519934 Restricted access to online banking 0 2013
 
GOOGLE INC. (1)
* 9342852 Visual indicators for account access in a social network 0 2012
 
NEC BIGLOBE, LTD. (1)
* 2009/0144,812 ENTRY AUXILIARY APPARATUS, ENTRY AUXILIARY SYSTEM, ENTRY AUXILIARY METHOD AND ENTRY AUXILIARY PROGRAM 3 2008
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (8)
* 8462918 Method and system for managing interactive communications campaigns with text messaging 9 2009
* 8270575 Managing interactive communications campaigns 8 2009
* 2011/0123,016 Managing interactive communications campaigns 13 2009
* 2011/0123,005 Method and system for managing interactive communications campaigns with text messaging 5 2009
* 9060254 Method and system for managing interactive communications campaigns with text messaging 3 2013
* 2014/0037,082 Method and system for managing interactive communications campaigns with text messaging 2 2013
9456084 Method and system for managing interactive communications campaigns with text messaging 1 2015
9635182 Method and system for managing interactive communications campaigns with call pacing 0 2015
 
BMC SOFTWARE, INC. (1)
9654473 Authentication proxy agent 0 2013
* Cited By Examiner

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