US Patent No: 7,966,496

Number of patents in Portfolio can not be more than 2000

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

ALSO PUBLISHED AS: 20070192618

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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, NY2401

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Ellmore, Kimberly Oakton, VA 9 124

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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HEWLETT-PACKARD COMPANY (5)
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2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 25 2009
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BMC RESOURCES, INC. (3)
5,652,786 Automated interactive bill payment system 266 1996
5,715,298 Automated interactive bill payment system using debit cards 208 1997
5,870,456 Automated interactive bill payment system using debit cards 228 1997
 
Bottomline Technologies (DE) Inc. (3)
6,223,168 Automatic remittance delivery system 180 1998
6,856,970 Electronic financial transaction system 100 2000
2003/0167,229 Modular business transations platform 59 2001
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (3)
5,802,502 System for selective communication connection based on transaction pricing signals 433 1994
2003/0001,888 Data transfer method and apparatus 34 2002
2004/0117,409 Application synchronisation 40 2003
 
CITICORP DEVELOPMENT CENTER, INC. (3)
5,485,370 Home services delivery system with intelligent terminal emulator 231 1993
5,933,816 System and method for delivering financial services 441 1997
7,137,006 Method and system for single sign-on user access to multiple web servers 79 2000
 
COIN, INC. (3)
2006/0249,574 Automated payment card fraud detection and location 61 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 76 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 54 2006
 
DATATREASURY CORPORATION (3)
5,787,403 Bank-centric service platform, network and system 303 1995
6,182,052 Communications network interface for user friendly interactive access to online services 150 1997
5,899,982 Bank-centric service platform, network and system 183 1998
 
DECISIONING.COM, INC. (3)
5,870,721 System and method for real time loan approval 644 1996
5,940,811 Closed loop financial transaction method and apparatus 502 1996
6,105,007 Automatic financial account processing system 419 1999
 
EBAY INC. (3)
5,832,460 Method and system for bill presentation and payment reconciliation 328 1995
6,267,292 Method and apparatus for funds and credit line transfers 258 1999
2001/0016,835 Method of payment by means of an electronic communication device 43 2001
 
ENTRUST, INC. (3)
6,182,142 Distributed access management of information resources 442 1998
6,453,353 Role-based navigation of information resources 304 1999
6,339,423 Multi-domain access control 167 2000
 
INTUIT INC. (3)
5,903,881 Personal online banking with integrated online statement and checkbook user interface 488 1997
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 49 2000
2003/0204,460 Data collection and transaction initiation using a financial messaging protocol 40 2003
 
MASTERCARD INTERNATIONAL INCORPORATED (3)
5,692,132 System and method for conducting cashless transactions on a computer network 521 1995
5,699,528 System and method for bill delivery and payment over a communications network 982 1995
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 130 2001
 
NEC CORPORATION (3)
4,663,500 Cryptographic system 25 1986
6,938,158 Single sign-on system and single sign-on method for a web site and recording medium 42 2001
2005/0071,637 Password authenticating apparatus, method, and program 18 2004
 
NEXTCARD, LLC (3)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 358 1998
6,405,181 Method and apparatus for real time on line credit approval 284 1998
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 138 1998
 
NOVELL INTELLECTUAL PROPERTY HOLDINGS, INC. (3)
6,081,900 Secure intranet access 308 1999
6,640,302 Secure intranet access 113 2000
6,950,936 Secure intranet access 76 2003
 
NUANCE COMMUNICATIONS, INC. (3)
5,598,557 Apparatus and method for retrieving and grouping images representing text files based on the relevance of key words extracted from a selected file to the text files 332 1992
6,219,639 Method and apparatus for recognizing identity of individuals employing synchronized biometrics 148 1998
6,411,933 Methods and apparatus for correlating biometric attributes and biometric attribute production features 50 1999
 
ONLINE RESOURCES CORPORATION (3)
5,220,501 Method and system for remote delivery of retail banking services 1343 1989
5,870,724 Targeting advertising in a home retail banking delivery service 434 1995
6,202,054 Method and system for remote delivery of retail banking services 378 1998
 
OPEN NETWORK SOLUTIONS, INC. (3)
5,742,845 System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network 491 1995
5,898,838 Editor for developing statements to support i/o operation on open network using segregator for segregating protocol statements from application statements upon verification of correspondence 195 1997
5,905,908 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 199 1997
 
PHOENIX LICENSING, LLC (3)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 444 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 316 1997
6,999,938 Automated reply generation direct marketing system 84 1999
 
SIEBEL SYSTEMS, INC. (3)
5,715,450 Method of selecting and presenting data from a database using a query language to a user of a computer system 220 1995
5,873,096 Method of maintaining a network of partially replicated database system 297 1997
5,963,953 Method, and system for product configuration 293 1998
 
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data 134 1994
5,745,555 System and method using personal identification numbers and associated prompts for controlling unauthorized use of a security device and unauthorized access to a resource 169 1996
5,825,871 Information storage device for storing personal identification information 175 1996
 
ZYNGA INC. (3)
5,921,864 Electronic word puzzle game 71 1996
5,798,508 Postpaid traveler's checks 84 1996
6,006,205 Credit card billing method and system 137 1997
 
ARRIS ENTERPRISES, INC. (2)
7,313,802 Method and system to provide deals and promotions via an interactive video casting system 37 2000
7,266,835 Method and apparatus for secure transactions in an interactive television ticker 34 2002
 
AT&T Bell Laboratories (2)
5,253,294 Secure transmission system 81 1983
5,311,594 Fraud protection for card transactions 317 1993
 
AT&T CORP. (2)
5,835,580 Method and apparatus for automated provisioning and billing of communication services 206 1996
5,950,174 Affiliation-based arrangement for billing 136 1997
 
AT&T IPM CORP. (2)
5,450,491 Authenticator card and system 112 1993
5,541,583 Arrangement for interrogating portable data communication devices 147 1995
 
Atalla Corporation (2)
5,319,710 Method and means for combining and managing personal verification and message authentication encrytions for network transmission 77 1986
4,965,568 Multilevel security apparatus and method with personal key 83 1989
 
AVAYA INC. (2)
5,740,231 Network-based multimedia communications and directory system and method of operation 448 1994
6,161,182 Method and apparatus for restricting outbound access to remote equipment 96 1998
 
BANK OF AMERICA CORPORATION (2)
6,128,602 Open-architecture system for real-time consolidation of information from multiple financial systems 323 1998
6,789,115 System for collecting, analyzing, and reporting high volume multi-web server usage 76 1999
 
Bell Telephone Laboratories, Incorporated (2)
4,471,164 Stream cipher operation using public key cryptosystem 121 1981
4,984,272 Secure file handling in a computer operating system 104 1988
 
BRIGHT RESPONSE, LLC (2)
6,182,059 Automatic electronic message interpretation and routing system 155 1997
6,411,947 Automatic message interpretation and routing system 124 1998
 
CAPITAL ONE FINANCIAL CORPORATION (2)
5,933,817 Tiered interest rate revolving credit system and method 234 1996
6,947,897 System and method for managing consumer information 16 2001
 
CASIO COMPUTER CO., LTD. (2)
4,697,072 Identification card and authentication system therefor 118 1985
4,801,787 IC card identification system having first and second data identification functions 81 1986
 
CHASE MANHATAN BANK USA, N.A. (2)
6,032,136 Customer activated multi-value (CAM) card 401 1998
6,865,547 Customer activated multi-value (CAM) card 140 2000
 
CHECKFREE CORPORATION (2)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 323 1995
6,289,322 Electronic bill processing 351 1998
 
CITICORP (2)
5,914,472 Credit card spending authorization control system 457 1997
6,188,309 Method and apparatus for minimizing credit card fraud 110 1998
 
E-TALK CORPORATION (2)
5,621,789 Method and system for integrating a plurality of call center agent performance enhancement modules 136 1993
5,684,870 Method and system for transferring calls and call-related data between a plurality of call centers 166 1996
 
EMC CORPORATION (2)
5,367,572 Method and apparatus for personal identification 91 1992
5,818,936 System and method for automically authenticating a user in a distributed network system 152 1996
 
Exxon Research and Engineering Company (2)
5,072,380 Automatic vehicle recognition and customer billing system 166 1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 157 1993
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5,265,033 ATM/POS based electronic mail system 375 1991
5,473,143 ATM/POS based electronic mail system 299 1993
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (2)
5,825,870 Methods and apparatus for implementing a network call center 86 1996
6,170,011 Method and apparatus for determining and initiating interaction directionality within a multimedia communication center 354 1998
 
INTEL CORPORATION (2)
5,664,115 Interactive computer system to match buyers and sellers of real estate, businesses and other property using the internet 810 1995
6,792,572 Method and apparatus to approve documents 15 2000
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 134 1997
6,095,412 Host and user transaction system 145 1997
 
INTERTECH HOLDINGS, LLC (2)
4,745,468 System for evaluation and recording of responses to broadcast transmissions 395 1986
4,926,255 System for evaluation of response to broadcast transmissions 413 1988
 
InterTrust Technologies Corp. (2)
5,892,900 Systems and methods for secure transaction management and electronic rights protection 1858 1996
6,112,181 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 713 1997
 
IPF, Inc. (2)
5,918,214 System and method for finding product and service related information on the internet 576 1996
5,950,173 System and method for delivering consumer product related information to consumers within retail environments using internet-based information servers and sales agents 674 1997
 
MicroBilt Corporation (2)
5,466,920 Real time decoding for card transaction terminal 54 1991
5,479,530 Signature capturing printer and data card terminal 124 1993
 
MONEYFAX, INC. (2)
4,454,414 Funds transfer system using optically coupled, portable modules 449 1982
5,122,950 Method of and system for electronic funds transfer via facsimile machines 163 1989
 
National Transaction Network, Inc. (2)
5,050,207 Portable automated teller machine 177 1989
5,157,717 Portable automated teller machine 165 1991
 
NCR CORPORATION (2)
5,835,603 Financial transaction system 148 1996
6,151,584 Computer architecture and method for validating and collecting and metadata and data about the internet and electronic commerce environments (data discoverer) 261 1997
 
NEW AURORA CORPORATION (2)
5,657,390 Secure socket layer application program apparatus and method 335 1995
5,825,890 Secure socket layer application program apparatus and method 197 1997
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 289 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 268 1996
 
PAYPAL, INC. (2)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 777 1994
7,089,208 System and method for electronically exchanging value among distributed users 238 2000
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (2)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 373 1993
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 357 1996
 
RICOH COMPANY, LTD. (2)
5,933,823 Image database browsing and query using texture analysis 151 1996
6,363,381 Compressed document matching 114 1998
 
ROCKSTAR CONSORTIUM US LP (2)
6,092,196 HTTP distributed remote user authentication system 445 1997
6,101,486 System and method for retrieving customer information at a transaction center 209 1998
 
ROSE BLUSH SOFTWARE LLC (2)
5,754,840 System, method, and computer program product for developing and maintaining documents which includes analyzing a patent application with regards to the specification and claims 136 1996
5,991,780 Computer based system, method, and computer program product for selectively displaying patent text and images 114 1998
 
SOVERAIN SOFTWARE LLC (2)
5,715,314 Network sales system 1182 1994
5,724,424 Digital active advertising 981 1995
 
SYMANTEC CORPORATION (2)
6,408,389 System for supporting secured log-in of multiple users into a plurality of computers using combined presentation of memorized password and transportable passport record 52 2000
6,925,481 Technique for enabling remote data access and manipulation from a pervasive device 52 2001
 
SYSTEMS & COMPUTER TECHNOLOGY CORPORATION (2)
2002/0029,269 Methods and systems for coordinating the termination of sessions on one or more systems 50 2001
7,093,020 Methods and systems for coordinating sessions on one or more systems 64 2001
 
The United States of America as represented by the Secretary of Commerce (2)
5,231,668 Digital signature algorithm 155 1991
6,202,066 Implementation of role/group permission association using object access type 210 1998
 
TTI INVENTIONS C LLC (2)
5,084,816 Real time fault tolerant transaction processing system 183 1989
6,138,118 Method and system for reconciling concurrent streams of transactions in a database 171 1998
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 103 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 55 2004
 
WALKER ASSET MANAGEMENT LTD. PARTNERSHIP (2)
5,923,763 Method and apparatus for secure document timestamping 146 1996
5,828,751 Method and apparatus for secure measurement certification 92 1996
 
WANG SOFTWARE N.Y., INC. (2)
5,446,740 Method of and apparatus for processing data at a remote workstation 169 1993
5,568,489 Method and apparatus for processing data received at a remote workstation 172 1995
 
XEROX CORPORATION (2)
7,051,199 System, method and article of manufacture for providing cryptographic services utilizing a network 24 2000
2007/0019,806 System and method for establishing secondary channels 9 2006
 
XL TRANSISTORS LIMITED LIABILITY COMPANY (2)
5,450,134 Video facility management system for encoding and decoding video signals to facilitate identification of the video signals 98 1993
5,557,334 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 95 1995
 
YODLEE.COM, INC. (2)
6,199,077 Server-side web summary generation and presentation 249 1999
2002/0023,108 AUTOMATIC WEB FORM INTERACTION PROXY 76 1999
 
365 DIRECT MARKETING COMPANY (1)
2003/0083,939 Automated lost property recovery and marketing system and program 12 2001
 
3M INNOVATIVE PROPERTIES COMPANY (1)
5,781,909 Supervised satellite kiosk management system with combined local and remote data storage 213 1996
 
7 DEGREES, INC. (1)
5,594,837 Method for representation of knowledge in a computer as a network database system 110 1994
 
ACTIVANT SOLUTIONS INC. (1)
5,765,143 Method and system for inventory management 280 1995
 
ACTIVCARD IRELAND LIMITED (1)
7,093,282 Method for supporting dynamic password 20 2001
 
Adhesives Technology Corporation 1987 (1)
5,257,486 Nozzle for injecting a sealant into a crack 60 1991
 
ADMINASTAR COMMUNICATIONS, INC. (1)
5,644,778 Medical transaction system 198 1993
 
ADOBE SYSTEMS INCORPORATED (1)
6,766,370 Internet website traffic flow analysis using timestamp data 105 2002
 
AEGIS TECHNOLOGIES, INC. (1)
5,606,496 Personal assistant computer method 131 1995
 
AIT ADVANCED INFORMATION TECHNOLOGIES CORPORATION (1)
2002/0104,006 Method and system for securing a computer network and personal identification device used therein for controlling access to network components 102 2001
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 298 1997
 
ALEXSAM, INC. (1)
6,189,787 Multifunctional card system 417 1999
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 94 2004
 
AMERICA ONLINE, INC. (1)
2005/0278,641 Javascript Calendar Application Delivered to a Web Browser 90 2003
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 338 1981
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2002/0128,977 Microchip-enabled online transaction system 97 2001
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 104 2001
 
AMSTRAD PUBLIC LIMITED COMPANY (1)
5,537,473 Video recorder system 62 1995
 
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system 153 1992
 
Amway Corporation (1)
6,980,962 Electronic commerce transactions within a marketing system that may contain a membership buying opportunity 234 2000
 
AOL LLC (1)
6,496,855 Web site registration proxy system 135 2000
 
APPAGE CORPORATION (1)
5,903,878 Method and apparatus for electronic commerce 341 1997
 
APPLE INC. (1)
6,714,987 Architecture for an IP centric distributed network 224 1999
 
AQUASOFT LTD. (1)
2001/0027,474 Method for clientless real time messaging between internet users, receipt of pushed content and transacting of secure e-commerce on the same web page 94 2000
 
ASPECT COMMUNICATIONS CORPORATION (1)
6,298,356 Methods and apparatus for enabling dynamic resource collaboration 138 1998
 
ASPEN MARKETING SERVICES, INC. (1)
5,983,196 Interactive computerized methods and apparatus for conducting an incentive awards program 195 1996
 
ASSA ABLOY AB (1)
5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol 88 1995
 
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer 142 1985
 
ATC REALTY FIFTEEN, INC. (1)
6,045,039 Cardless automated teller transactions 263 1997
 
AUCTNYC 20 LLC (1)
5,969,318 Gateway apparatus for designing and issuing multiple application cards 162 1997
 
AXEDA CORPORATION (1)
7,117,239 Reporting the state of an apparatus to a remote computer 91 2000
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 314 1994
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 186 1998
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6,044,362 Electronic invoicing and payment system 400 1997
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
2004/0254,991 Switching Internet service providers 18 2003
 
BESTBUY.COM, LLC (1)
2003/0046,173 Store delivery of products ordered over a computer network 17 2001
 
BI PERFORMANCE SERVICES (1)
5,915,244 Computerized incentive program with plateau pricing and remote award redemption 170 1996
 
BIG BABOON, INC. (1)
6,115,690 Integrated business-to-business Web commerce and business automation system 505 1997
 
BLACKHAWK NETWORK, INC. (1)
5,956,695 Filter processor and method for implementing a program 254 1997
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 413 1996
 
Bluefire Systems, Inc. (1)
7,155,402 Method and apparatus for distribution of fashion and seasonal goods 71 2000
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 271 1994
 
BOSTON GEAR LLC (1)
4,964,043 System for visualizing, identifying and ordering gearing configurations 115 1988
 
BOUYANT HOLDINGS LIMITED (1)
2009/0100,508 METHOD AND APPARATUS FOR THE SECURE IDENTIFICATION OF THE OWNER OF A PORTABLE DEVICE 13 2008
 
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 168 1999
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1404 1995
 
BuildNet, Inc. (1)
6,115,642 Systems and methods for facilitating the exchange of information between separate business entities 82 1998
 
Bullock Communications, Inc. (1)
5,351,186 System and method for obtaining information concerning a product or a service 213 1991
 
BUZZMETRICS, LTD., AN ISRAEL CORPORATION (1)
7,197,470 System and method for collection analysis of electronic discussion methods 41 2000
 
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal 204 1996
 
C-SAM, INC. (1)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 670 1994
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (1)
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 137 1995
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 289 1998
 
CARLSON MARKETING WORLDWIDE, INC. (1)
6,138,911 In-store points redemption system and method 211 1999
 
CERTCO, INC. (1)
2001/0011,255 RELIANCE MANAGEMENT FOR ELECTRONIC TRANSACTION SYSTEM 95 1998
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (1)
6,343,279 System integrating credit card transactions into a financial management system 219 1998
 
Charter One Financial, Inc. (1)
2003/0225,688 Financial account transfer apparatus and method 47 2002
 
CHASE BANK USA, NATIONAL ASSOCIATION (1)
2003/0187,787 System and process for performing purchase transactions using tokens 132 2003
 
CIENA CORPORATION (1)
7,020,696 Distributed user management information in telecommunications networks 125 2000
 
CITRIX SYSTEMS INTERNATIONAL GMBH (1)
6,243,816 Single sign-on (SSO) mechanism personal key manager 158 1998
 
CK GLOBAL INC. (1)
2002/0019,938 Method and apparatus for secure identification for networked environments 49 2001
 
COMCAST MO GROUP, INC. (1)
6,546,392 Self service gateway 101 1999
 
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 706 1996
 
COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
5,532,689 Method of transmitting data quickly and securely from a smart card during a remote transaction 95 1994
 
COMPUWARE CORPORATION (1)
6,519,763 Time management and task completion and prediction software 140 1999
 
CONCEALOGRAM LTD. (1)
2004/0146,159 Hiding images in halftone pictures 11 2004
 
CONEXANT SYSTEMS UK LIMITED (1)
6,111,858 Proxy-controlled ATM subnetwork 168 1997
 
Coordinated Data Services, Inc. (1)
5,878,405 Pension planning and liquidity management system 232 1996
 
CORILLIAN CORPORATION (1)
2004/0122,766 Method and apparatus for paying bills online 31 2002
 
Corpra Research, Inc. (1)
4,575,621 Portable electronic transaction device and system therefor 386 1984
 
COVERDELL & COMPANY (1)
2002/0010,599 Method for targeting insurance policy incentive rewards 59 2001
 
CU DIRECT CORPORATION (1)
5,611,052 Lender direct credit evaluation and loan processing system 418 1993
 
Cubic Corporation (1)
2006/0261,927 Smart card receiver and system for pulsed RF fields 32 2006
 
CURSYS, INC. (NOW CURRENCY SCIENTIFIC INC.) (1)
5,420,405 Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes 288 1993
 
CUSTOMEDIA, LLC (1)
6,213,391 Portable system for personal identification based upon distinctive characteristics of the user 210 1997
 
Cyberpulse, L.L.C. (1)
6,154,750 Method and system for navigation and data entry in heirarchically-organized database views 97 1998
 
DANA AUTOMOTIVE SYSTEMS GROUP, LLC (1)
6,832,587 Plastic valve cover with integrated metal 25 2003
 
Datamind Corporation (1)
5,970,482 System for data mining using neuroagents 184 1996
 
DATAMOTION, INC. (1)
6,684,248 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 81 2000
 
DEWAAY INVESTMENT PARTNERS, LLLP (1)
6,044,402 Network connection blocker, method, and computer readable memory for monitoring connections in a computer network and blocking the unwanted connections 102 1997
 
DIALWARE INC. (1)
2004/0031,856 Physical presence digital authentication system 161 2003
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (1)
6,315,195 Transaction apparatus and method 231 1998
 
DIEBOLD, INCORPORATED (1)
7,080,036 Automated banking machine development method 32 2000
 
DIGICASH INCORPORATED (1)
2007/0179,883 System and method and computer readable code for visualizing and managing digital cash 42 2006
 
DOCK 3, INC. (1)
2002/0032,613 Methods and systems for the physical delivery of goods ordered through an electronic network 69 2001
 
DS-IQ, INC. (1)
6,330,543 Method and system for distributing and reconciling electronic promotions 219 1998
 
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 43 2001
 
E-Scoring, Inc. (1)
2002/0077,964 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants 173 2000
 
EACCELERATION CORPORATION (1)
6,449,765 Varying web page link based on user and web page status 45 1999
 
EASTERN IX GROUP LLC (1)
5,999,907 Intellectual property audit system 205 1993
 
eCardless Bancorp, Ltd. (1)
2004/0019,563 Purchasing on the internet using verified order information and bank payment assurance 20 2003
 
ECOVA, INC. (1)
5,943,656 Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems 272 1997
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 400 1996
 
EQUIFAX, INC. (1)
6,496,936 System and method for authentication of network users 153 2000
 
ERIE COUNTY INVESTMENT CO., THE (1)
5,235,509 Customer self-ordering system using information displayed on a screen 246 1989
 
ESCHER GROUP, LTD., THE (1)
2002/0042,808 Method and apparatus for linking data and objects 18 2001
 
eSpoc, Inc. (1)
6,785,810 System and method for providing secure transmission, search, and storage of data 91 1999
 
EVIDAN (1)
6,317,838 Method and architecture to provide a secured remote access to private resources 105 1998
 
EXECUTONE INTER-TELBUSINESS INFORMATION SYSTEMS, INC. (1)
5,793,861 Transaction processing system and method 262 1996
 
EXPERIENCE LAB, INC. (1)
2002/0010,668 Online merchandising and marketing system 49 2001
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 557 1996
 
FAIR ISAAC CORPORATION (1)
5,794,178 Visualization of information using graphical representations of context vector based relationships and attributes 364 1996
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 127 2002
 
FDR INTERACTIVE TECHNOLOGIES (1)
5,016,270 Expanded telephone data organization system 131 1989
 
FINANCIAL ENGINES, INC. (1)
5,918,217 User interface for a financial advisory system 339 1997
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 720 1995
 
FIRST USA BANK, N.A. (1)
5,995,948 Correspondence and chargeback workstation 135 1997
 
FIRSTPOINT CONTACT TECHNOLOGIES, LLC (1)
5,511,117 Integrated voice and business transaction reporting for telephone call centers 99 1994
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 967 1995
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics 163 1984
 
FORD MOTOR COMPANY (1)
6,684,212 System and method for data sharing between members of diverse organizations 30 2000
 
FORWARD RESEARCH, INC. (1)
6,092,057 Unattended POS system for automatic control of bank system rejections 132 1997
 
FREE-PC, INC. (1)
6,907,566 Method and system for optimum placement of advertisements on a webpage 255 1999
 
FUJI XEROX CO., LTD. (1)
2006/0274,970 Image processing device, method, and storage medium which stores a program 17 2005
 
Gazebo Inc. (1)
2002/0087,447 System and method for managing and executing event based investments 88 2001
 
GBS Systems Corporation (1)
5,341,428 Multiple cross-check document verification system 79 1992
 
GENERAL DYNAMICS C4 SYSTEMS, INC. (1)
5,381,332 Project management system with automated schedule and cost integration 172 1991
 
GENERAL ELECTRIC CAPITAL CORPORATION (1)
6,970,830 Methods and systems for analyzing marketing campaigns 129 1999
 
GENERAL ELECTRIC COMPANY (1)
4,845,347 Transaction system 71 1986
 
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6,088,683 Secure purchase transaction method using telephone number 296 1996
 
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Other [Check patent profile for assignment information] (70)
4,567,359 Automatic information, goods and services dispensing system 473 1984
4,633,397 Union member accounts management system 100 1984
4,823,264 Electronic funds transfer system 556 1986
4,696,491 Information reference book and indexing system 61 1986
4,747,139 Software security method and systems 237 1986
4,868,877 Public key/signature cryptosystem with enhanced digital signature certification 393 1988
5,016,274 On-line/off-line digital signing 203 1988
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 333 1989
5,005,200 Public key/signature cryptosystem with enhanced digital signature certification 362 1989
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 414 1990
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 517 1991
5,297,026 System for promoting account activity 303 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 477 1992
5,267,314 Secure transaction system and method utilized therein 106 1992
5,524,073 Secure transaction system and method utilized therein 173 1993
5,576,951 Automated sales and services system 380 1994
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 302 1994
5,473,732 Relational artificial intelligence system 103 1995
5,625,767 Method and system for two-dimensional visualization of an information taxonomy and of text documents based on topical content of the documents 171 1995
5,826,245 Providing verification information for a transaction 388 1995
5,555,303 Secure transaction system and method utilized therein 64 1995
5,646,998 Secure transaction system and method utilized therein 77 1995
5,677,521 Personal identification and credit information system and method of performing transaction 73 1995
5,787,404 Credit-card based retirement fund system and method 206 1995
5,706,452 Method and apparatus for structuring and managing the participatory evaluation of documents by a plurality of reviewers 173 1995
5,671,285 Secure communication system 126 1995
5,802,498 Computer-aided prepaid transmittal charge billing system 176 1996
RE36116 Centralized consumer cash value accumulation system for multiple merchants 267 1996
5,907,142 Fraud resistant personally activated transaction card 202 1996
5,953,710 Children's credit or debit card system 591 1996
5,793,302 Method for securing information relevant to a transaction 79 1996
5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof 184 1997
5,974,148 Method for securing information relevant to a transaction 107 1997
5,936,541 Method for securing information relevant to a transaction 90 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 250 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 174 1997
6,038,547 Construction tracking and payment method and system 133 1998
5,842,178 Computerized quotation system and method 536 1998
6,253,328 Method and apparatus for securing passwords and personal identification numbers 64 1998
6,032,134 Credit card billing system for identifying expenditures on a credit card account 121 1998
6,609,106 System and method for providing electronic multi-merchant gift registry services over a distributed network 150 1999
6,385,591 Method and system for electronic organization of coupons 257 1999
6,446,053 Computer-implemented method and system for producing a proposal for a construction project 86 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 279 1999
6,327,575 Point of sale terminal for the visually impaired 111 2000
6,581,040 Project specific communications system and method 103 2000
7,089,203 Building construction bid and contract management system, internet-based method and computer program therefor 42 2000
6,769,605 Money transfer system 59 2000
2001/0047,295 Equity rewards method 48 2001
2001/0029,464 Method for conducting on-line transactions 14 2001
2001/0034,663 Electronic contract broker and contract market maker infrastructure 113 2001
2001/0038,033 Unified communications and commerce systems and methods, and device therefore 89 2001
2002/0178,113 System and method for offering customized credit card products 25 2001
2002/0032,650 Payment system and method 38 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 179 2001
2002/0007,313 Credit system 105 2001
2002/0018,585 System and method for cardless secure credit transaction processing 66 2001
6,607,127 Magnetic stripe bridge 192 2001
6,727,802 Anti-tear protection for smart card transactions 41 2002
2003/0182,246 Applications of fractal and/or chaotic techniques 90 2003
2005/0120,180 Cache time determination 30 2003
2004/0149,544 Scraping and cleaning device for conveyor belts 61 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 162 2004
2005/0080,747 Method for generating customer one-time unique purchase order numbers 130 2004
2005/0082,362 Anonymous merchandise delivery system 41 2004
2005/0086,160 Method for implementing anonymous credit card transactions using a fictitious account name 172 2004
2005/0086,177 Method for customizing payment card transactions at the time of the transactions 131 2004
7,051,929 Secure credit card having daily changed security number 133 2004
7,155,614 System and method for single sign on process for websites with multiples applications and services 13 2006
2009/0192,940 SYSTEM FOR PROVIDING CARDLESS PAYMENT 9 2009

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
SOUNDBITE COMMUNICATIONS, INC. (2)
8,462,918 Method and system for managing interactive communications campaigns with text messaging 0 2009
8,270,575 Managing interactive communications campaigns 1 2009
 
AT&T MOBILITY II LLC (1)
8,509,399 User profile based speech to text conversion for visual voice mail 0 2012
 
EWI HOLDINGS, INC. (1)
8,594,286 Systems and methods for personal identification number distribution and delivery 1 2012
 
JPMORGAN CHASE BANK, N.A. (1)
8,590,008 System and method for single sign on process for websites with multiple applications and services 0 2008

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Dec 21, 2014
7.5 Year Payment $3600.00 $1800.00 $900.00 Dec 21, 2018
11.5 Year Payment $7400.00 $3700.00 $1850.00 Dec 21, 2022
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00

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