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)

Importance

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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, NY1973

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Ellmore, Kimberly Oakton, US 8 214

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 389 1994
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5963952 Internet browser based data entry architecture 201 1997
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6178511 Coordinating user target logons in a single sign-on (SSO) environment 238 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 97 1999
6493685 Electronic account presentation and response system and method 344 1999
6256664 Method and apparatus for computed relevance messaging 151 1999
6751654 Simulating web cookies for non-cookie capable browsers 66 1999
6535980 Keyless encryption of messages using challenge response 62 1999
6470357 System and method of enhanced directory services for telecommunications management network applications 58 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 140 1999
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6976164 Technique for handling subsequent user identification and password requests with identity change within a certificate-based host session 115 2000
6819219 Method for biometric-based authentication in wireless communication for access control 310 2000
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7134075 Conversion of documents between XML and processor efficient MXML in content based routing networks 98 2001
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6641050 Secure credit card 201 2001
 
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5450491 Authenticator card and system 136 1993
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5778178 Method and apparatus for enabling real-time bi-directional transactions on a network 324 1996
 
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5761661 Data management system and method 135 1994
 
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5987434 Apparatus and method for transacting marketing and sales of financial products 507 1996
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6999938 Automated reply generation direct marketing system 92 1999
 
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ASPEN MARKETING SERVICES, INC. (1)
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5838906 Distributed hypermedia method for automatically invoking external application providing interaction and display of embedded objects within a hypermedia document 688 1994
 
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5420405 Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes 316 1993
 
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6088451 Security system and method for network element access 420 1996
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6202151 System and method for authenticating electronic transactions using biometric certificates 242 1997
7225249 Integrated systems for providing communications network management services and interactive generating invoice documents 281 1998
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5621789 Method and system for integrating a plurality of call center agent performance enhancement modules 185 1993
5684870 Method and system for transferring calls and call-related data between a plurality of call centers 200 1996
 
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6216115 Method for multi-directional consumer purchasing, selling, and transaction management 107 1998
6587835 Shopping assistance with handheld computing device 1155 2000
 
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FITBIT, INC. (3)
2006/0249,574 Automated payment card fraud detection and location 81 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 126 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 97 2006
 
RESEARCH IN MOTION LIMITED (1)
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Spot Metals Online (1)
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MShift, Inc. (1)
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6161182 Method and apparatus for restricting outbound access to remote equipment 126 1998
 
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6199077 Server-side web summary generation and presentation 293 1999
2002/0023,108 AUTOMATIC WEB FORM INTERACTION PROXY 103 1999
 
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2004/0019,563 Purchasing on the internet using verified order information and bank payment assurance 32 2003
 
The Beacon Journal Publishing Company (1)
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Financial Engines, Inc. (1)
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5511117 Integrated voice and business transaction reporting for telephone call centers 130 1994
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5640577 Data processing system with automated at least partial forms completion 438 1995
5724424 Digital active advertising 1090 1995
5790650 Telephone call center management system which supports multi-user and separate private applications 135 1996
5963635 Method and apparatus for providing result-oriented customer service 274 1996
6298356 Methods and apparatus for enabling dynamic resource collaboration 179 1998
 
CATALINA MARKETING CORPORATION (7)
5644723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 498 1994
5832457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 629 1995
5642485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 497 1995
5649114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 602 1995
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5710886 Electric couponing method and apparatus 647 1995
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6164533 Point of sale automatic savings program contribution system 209 1998
 
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5991780 Computer based system, method, and computer program product for selectively displaying patent text and images 142 1998
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4650981 Credit card with active electronics 179 1984
 
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FUJI XEROX CO., LTD. (1)
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5870724 Targeting advertising in a home retail banking delivery service 515 1995
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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 175 1996
 
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6317834 Biometric authentication system with encrypted models 195 1999
 
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2003/0051,026 Network surveillance and security system 428 2001
 
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5692132 System and method for conducting cashless transactions on a computer network 580 1995
5699528 System and method for bill delivery and payment over a communications network 1130 1995
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 149 2001
 
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OPTIMIZEUSA, INC. (1)
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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 128 1995
 
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6684212 System and method for data sharing between members of diverse organizations 40 2000
 
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2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 205 2004
7506806 Smartcard transaction method and system using fingerprint recognition 45 2007
 
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5513102 Data processing methods of implementing an award to an authorized user of a credit card 350 1994
 
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6092196 HTTP distributed remote user authentication system 554 1997
6101486 System and method for retrieving customer information at a transaction center 254 1998
 
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6343323 Resource retrieval over a source network determined by checking a header of the requested resource for access restrictions 53 1998
 
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5657390 Secure socket layer application program apparatus and method 410 1995
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5557518 Trusted agents for open electronic commerce 907 1994
5710889 Interface device for electronically integrating global financial services 743 1995
5866889 Integrated full service consumer banking system and system and method for opening an account 193 1995
5659165 Customer-directed, automated process for transferring funds between accounts via a communications network 366 1995
5966695 Sales and marketing support system using a graphical query prospect database 485 1995
5642419 Method for acquiring and revalidating an electronic credential 311 1995
6049782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 302 1996
5930764 Sales and marketing support system using a customer information database 519 1996
6088686 System and method to performing on-line credit reviews and approvals 654 1996
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6131810 Integrated full service consumer banking system and system and method for opening an account 303 1999
6385652 Customer access solutions architecture 92 1999
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PLURIS SAVINGS NETWORKS, LLC (1)
6105865 Financial transaction system with retirement saving benefit 462 1998
 
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RATEZE REMOTE MGMT. L.L.C. (2)
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5848143 Communications system using a central controller to control at least one network and agent system 269 1996
6311275 Method for providing single step log-on access to a differentiated computer network 107 1998
6219706 Access control for networks 342 1998
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6687222 Backup service managers for providing reliable network services in a distributed environment 134 1999
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FDR INTERACTIVE TECHNOLOGIES, 200 VESEY STREET, NEW YORK, NEW YORK, 10285, A NY PARTNERSHIP (1)
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6243816 Single sign-on (SSO) mechanism personal key manager 211 1998
 
WALKER ASSET MANAGEMENT LTD. PARTNERSHIP (2)
5923763 Method and apparatus for secure document timestamping 179 1996
5828751 Method and apparatus for secure measurement certification 122 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 109 1992
5818936 System and method for automically authenticating a user in a distributed network system 176 1996
 
INTEL CORPORATION (2)
5664115 Interactive computer system to match buyers and sellers of real estate, businesses and other property using the internet 930 1995
6792572 Method and apparatus to approve documents 20 2000
 
SMART TONE, INC. (3)
5583933 Method and apparatus for the secure communication of data 151 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 195 1996
5825871 Information storage device for storing personal identification information 197 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 1506 1989
 
ACTIVANT SOLUTIONS INC. (1)
5765143 Method and system for inventory management 311 1995
 
ADOBE SYSTEMS INCORPORATED (1)
6766370 Internet website traffic flow analysis using timestamp data 126 2002
 
PINPOINT INCORPORATED (1)
5835087 System for generation of object profiles for a system for customized electronic identification of desirable objects 1259 1995
 
SONUS NETWORKS, INC. (1)
2003/0159,072 Single sign-on for multiple network -based services 105 2003
 
XATRA FUND MX, LLC (1)
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 75 2004
 
AUCTNYC 20 LLC (1)
5969318 Gateway apparatus for designing and issuing multiple application cards 200 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 504 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 1007 1995
5871398 Off-line remote system for lotteries and games of skill 659 1996
5947747 Method and apparatus for computer-based educational testing 190 1996
5825863 Prepaid limited usage calling card 163 1996
5970143 Remote-auditing of computer generated outcomes, authenticated billing and access control, and software metering system using cryptographic and other protocols 717 1996
5884270 Method and system for facilitating an employment search incorporating user-controlled anonymous communications 219 1996
5884272 Method and system for establishing and maintaining user-controlled anonymous communications 296 1996
5995976 Method and apparatus for distributing supplemental information related to printed articles 117 1996
5949875 Parallel data network billing and collection system 122 1996
6012983 Automated play gaming device 663 1996
6001016 Remote gaming device 765 1996
5946388 Method and apparatus for priority queuing of telephone calls 216 1997
5970478 Method, apparatus, and program for customizing credit accounts 247 1997
5909486 Method and apparatus for awarding and redeeming prepaid telephone time 167 1997
6010404 Method and apparatus for using a player input code to affect a gambling outcome 223 1997
6014439 Method and apparatus for entertaining callers in a queue 157 1997
5978467 Method and apparatus for enabling interaction between callers with calls positioned in a queue 137 1997
6088444 Method and apparatus for value-based queuing of telephone calls 96 1997
5926796 Method and apparatus for selling subscriptions to periodicals in a retail environment 179 1997
5737414 900 number billing and collection system and method for on-line computer services 175 1997
5949044 Method and apparatus for funds and credit line transfers 384 1997
6144948 Instant credit card marketing system for reservations for future services 396 1997
5945653 System and method for establishing and executing functions to affect credit card accounts and transactions 347 1997
6119093 System for syndication of insurance 211 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 241 1997
6018718 Method and system for processing customized reward offers 409 1997
6208978 System and method for issuing security deposit guarantees based on credit card accounts 128 1997
6064987 Method and apparatus for providing and processing installment plans at a terminal 285 1997
6128599 Method and apparatus for processing customized group reward offers 464 1997
6049778 Method and apparatus for administering a reward program 417 1997
5999596 Method and system for controlling authorization of credit card transactions 229 1998
5967896 Method and apparatus for controlling a gaming device having a plurality of balances 257 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 468 1997
6138106 Dynamically changing system for fulfilling concealed value gift certificate obligations 158 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 403 1993
5704044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 387 1996
 
MICRO ENHANCEMENT INTERNATIONAL (1)
7024374 Targeted marketing and purchase behavior monitoring system 95 2000
 
INTUIT INC. (3)
5903881 Personal online banking with integrated online statement and checkbook user interface 591 1997
7395241 Consumer-directed financial transfers using automated clearinghouse networks 74 2000
2003/0204,460 Data collection and transaction initiation using a financial messaging protocol 71 2003
 
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6014636 Point of sale method and system 338 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 21 2003
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4752676 Reliable secure, updatable "cash" card system 243 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 541 1997
6188309 Method and apparatus for minimizing credit card fraud 120 1998
 
PLUSNETMARKETING, INC. (1)
2004/0215,514 METHOD AND SYSTEM FOR REDEEMING PRODUCT MARKETING REBATES 54 2003
 
HELP/SYSTEMS, LLC (1)
6134549 Client/server computer system having personalizable and securable views of database data 179 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 464 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 448 1997
 
PrivaSys (1)
2007/0034,700 Electronic cards and methods for making same 180 2006
 
AMERICAN EXPRESS COMPANY (1)
4453074 Protection system for intelligent cards 381 1981
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2002/0128,977 Microchip-enabled online transaction system 124 2001
 
BOTTOMLINE TECHNOLOGIES, INC. (2)
6223168 Automatic remittance delivery system 203 1998
2003/0167,229 Modular business transations platform 72 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 37 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 498 1985
5465206 Electronic bill pay system 826 1993
5703344 Electronic funds confirmation at point of transaction 363 1995
5621201 Automated purchasing control system 466 1996
5920847 Electronic bill pay system 745 1996
5963925 Electronic statement presentment system 463 1997
6560581 System and method for secure electronic commerce transaction 337 1998
 
PTC INC. (1)
7117239 Reporting the state of an apparatus to a remote computer 155 2000
 
Chase Bank USA, N.A. (4)
7163153 Selectable multi-purpose card 233 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 163 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 870 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 283 1998
 
GBS Systems Corporation (1)
5341428 Multiple cross-check document verification system 86 1992
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 212 2003
 
NSK LTD. (1)
5644493 Production information processing system 115 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 298 1995
6038552 Method and apparatus to process combined credit and debit card transactions 245 1997
6418457 Document storage and processing system for inventors that utilize timestamps and digital signatures 63 1997
6535855 Push banking system and method 202 1998
6609125 Funds transfer repair system 125 1999
6609113 Method and system for processing internet payments using the electronic funds transfer network 510 2000
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (5)
7249112 System and method for assigning a funding source for a radio frequency identification device 112 2002
7228155 System and method for remotely initializing a RF transaction 94 2004
7493288 RF payment via a mobile device 64 2004
7312707 System and method for authenticating a RF transaction using a transaction account routing number 78 2004
2005/0077,349 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 130 2004
 
OneCore Financial Network, Inc. (1)
6606606 Systems and methods for performing integrated financial transaction 208 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 103 1999
 
FREE-PC, INC. (1)
6907566 Method and system for optimum placement of advertisements on a webpage 463 1999
 
National Semiconductor Corporation (1)
5828812 Recurrent neural network-based fuzzy logic system and method 65 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 320 2003
 
COMPUWARE CORPORATION (1)
6519763 Time management and task completion and prediction software 182 1999
 
iMarket, Incorporated (1)
6026398 System and methods for searching and matching databases 302 1997
 
OL SECURITY LIMITED LIABILITY COMPANY (1)
6088683 Secure purchase transaction method using telephone number 348 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 329 2004
 
BMC RESOURCES, INC. (3)
5652786 Automated interactive bill payment system 292 1996
5715298 Automated interactive bill payment system using debit cards 227 1997
5870456 Automated interactive bill payment system using debit cards 256 1997
 
ADMINASTAR COMMUNICATIONS, INC. (1)
5644778 Medical transaction system 234 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 177 2000
 
VIRNETX, INC. (1)
2003/0037,142 Agile network protocol for secure communications with assured system availability 76 2002
 
PARALLEL NETWORKS, LLC (1)
6446111 Method and apparatus for client-server communication using a limited capability client over a low-speed communications link 66 1999
 
ACTIVCARD IRELAND LIMITED (1)
7093282 Method for supporting dynamic password 33 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 125 1997
 
ENTRUST, INC. (3)
6182142 Distributed access management of information resources 542 1998
6453353 Role-based navigation of information resources 391 1999
6339423 Multi-domain access control 207 2000
 
AEGIS TECHNOLOGIES, INC. (1)
5606496 Personal assistant computer method 148 1995
 
Exxon Research and Engineering Company (2)
5072380 Automatic vehicle recognition and customer billing system 192 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 251 1999
 
SOVERAIN SOFTWARE LLC (1)
5715314 Network sales system 1383 1994
 
Steven Nichtberger (1)
4882675 Paperless system for distributing, redeeming and clearing merchandise coupons 562 1984
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
5870725 High volume financial image media creation and display system and method 322 1995
 
JP Morgan Chase Bank (1)
2004/0122,736 System and method for granting promotional rewards to credit account holders 145 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 165 1993
5774122 Method for visual programming with aid of animation 88 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 794 1995
 
AMWAY CORPORATION (1)
6980962 Electronic commerce transactions within a marketing system that may contain a membership buying opportunity 311 2000
 
Vermeer Technologies, Inc. (1)
5819092 Online service development tool with fee setting capabilities 623 1997
 
Gazebo Inc. (1)
2002/0087,447 System and method for managing and executing event based investments 106 2001
 
BELL TELEPHONE LABORATORIES, INCORPORATED (2)
4471164 Stream cipher operation using public key cryptosystem 138 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 244 1992
5621812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 594 1993
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 482 1994
5448471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 367 1994
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 360 1994
5592560 Method and system for building a database and performing marketing based upon prior shopping history 451 1994
5430644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 293 1994
5659469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 326 1995
 
York Eggleston (1)
6061660 System and method for incentive programs and award fulfillment 632 1998
 
WYNN, SOL H. (1)
5859419 Programmable multiple company credit card system 473 1995
 
VINDICATOR, 1445 OAKLAND ROAD, SAN JOSE, CA 95112-1203 (1)
4980913 Security system network 133 1988
 
CHECKFREE CORPORATION (2)
5873072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 353 1995
6289322 Electronic bill processing 404 1998
 
FUJITSU LIMITED (6)
5097115 Transaction authentication system 133 1989
6003762 Transaction terminal for an electronic cashless system 270 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 419 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 106 1998
6135349 System and method for enabling a merchant to apply for a credit card processing account using the internet 190 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 122 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 501 1991
5473143 ATM/POS based electronic mail system 324 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 590 1997
 
CASIO COMPUTER CO., LTD. (2)
4697072 Identification card and authentication system therefor 126 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 109 1990
 
V-One Corporation (1)
5590197 Electronic payment system and method 886 1995
 
BORLAND SOFTWARE CORPORATION (1)
5603025 Methods for hypertext reporting in a relational database management system 299 1994
 
TRADEWARE TECHNOLOGIES, INC. (1)
5235509 Customer self-ordering system using information displayed on a screen 288 1989
 
PAYPAL, INC. (6)
5826241 Computerized system for making payments and authenticating transactions over the internet 898 1994
5832460 Method and system for bill presentation and payment reconciliation 369 1995
6327578 Four-party credit/debit payment protocol 491 1998
6267292 Method and apparatus for funds and credit line transfers 360 1999
7089208 System and method for electronically exchanging value among distributed users 307 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 131 2001
 
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 70 2001
 
JPMORGAN CHASE BANK, N.A. (35)
6266683 Computerized document management system 180 1997
6006249 Method and apparatus for concurrent data processing 156 1997
6070244 Computer network security management system 315 1997
6438666 Method and apparatus for controlling access to confidential data by analyzing property inherent in data 84 1998
6301567 Lockbox browser system 116 1998
6227447 Cardless payment system 464 1999
6718388 Secured session sequencing proxy system and method therefor 67 1999
6557039 System and method for managing information retrievals from distributed archives 250 1999
7058817 System and method for single sign on process for websites with multiple applications and services 91 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 495 2000
6341724 Cardless payment system 214 2001
6532284 Method and system for optimizing bandwidth cost via caching and other network transmission delaying techniques 132 2001
7526449 Optically encoded card and system and method for using 19 2001
6772146 Website for financial information 100 2001
2002/0077,978 Method and system for processing internet payments 393 2001
7103556 System and method for aggregate portfolio client support 121 2001
2003/0105,981 System and method for single session sign-on 122 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 165 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 103 2004
2005/0091,492 Portable security transaction protocol 54 2004
7392222 System and method for providing promotional pricing 118 2004
7191952 Selectable multi-purpose card 119 2004
7401731 Method and system for implementing a card product with multiple customized relationships 102 2005
2006/0116,949 System for automatically transferring account information, such as information regarding a financial services account 75 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 81 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 528 1995
* 5815665 System and method for providing trusted brokering services over a distributed network 761 1996
6189029 Web survey tool builder and result compiler 334 1996
5842211 Method and system for transferring a bank file to an application program 161 1997
5883810 Electronic online commerce card with transactionproxy number for online transactions 750 1997
6000832 Electronic online commerce card with customer generated transaction proxy number for online transactions 650 1997
6484149 Systems and methods for viewing product information, and methods for generating web pages 483 1997
6026429 Seamless integration of internet resources 259 1997
6308273 Method and system of security location discrimination 454 1998
6308274 Least privilege via restricted tokens 191 1998
6584505 Authenticating access to a network server without communicating login information through the network server 181 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 99 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 107 2002
7076453 System and method for designing and operating an electronic store 102 2002
7299201 System and method for designing and operating an electronic store 30 2006
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (2)
5825870 Methods and apparatus for implementing a network call center 141 1996
6170011 Method and apparatus for determining and initiating interaction directionality within a multimedia communication center 451 1998
 
SANTA CRUZ NETWORKS, INC. (1)
2003/0041,165 System and method for group video teleconferencing using a bandwidth optimizer 39 2001
 
Electronic Consumer Concepts, L.L.C. (1)
5845259 Electronic coupon dispensing system 445 1996
 
PSC SCANNING, INC. (1)
5789732 Portable data module and system for consumer transactions 175 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 447 1996
 
MPOWER MOBILE, INC. (1)
2007/0203,850 Multifactor authentication system 58 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 436 1995
 
LIFESHIELD SCIENCES LLC (1)
6016810 Endovasular aortic graft 120 1998
 
UNISYS CORPORATION (1)
2005/0193,056 Message transfer using multiplexed connections in an open system interconnection transaction processing environment 42 2002
 
C-SAM, INC. (1)
5590038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 878 1994
 
LOANX CORPORATION (1)
5966699 System and method for conducting loan auction over computer network 372 1996
 
MONEYFAX, INC. (2)
4454414 Funds transfer system using optically coupled, portable modules 495 1982
5122950 Method of and system for electronic funds transfer via facsimile machines 173 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 13 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 8 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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