US Patent No: 7,996,324

Number of patents in Portfolio can not be more than 2000

Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia

ALSO PUBLISHED AS: 20050171898

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction device that are provided by distinct data set owners, wherein the distinct data sets may include differing formats. The method includes the steps of: adding, by a read/write, a first data set to the financial transaction device, wherein the first data set is owned by a first owner; adding, by the read/write device, a second data set to the financial transaction device, wherein the second data set is owned by a second owner; and storing the first data set and the second data set on the financial transaction device in accordance with an owner defined format. The first and second data sets are associated with first and second owners, respectively, and are configured to be stored independent of each other The transaction device user may be permitted to select at least one of the multiple data sets for transaction completion using a secondary identifier indicia. Where the user selects multiple accounts for transaction completion, the user may be permitted to allocate portions of a transaction to the selected transaction accounts. The transaction request may be processed in accordance with the user's allocations.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
III HOLDINGS 1, LLCWILMINGTON, DE747

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bishop, Fred Fort Lee, NJ 162 1805
Saunders, Peter D Salt Lake City, UT 199 3492

Cited Art Landscape

Patent Info (Count) # Cites Year
 
TEXAS INSTRUMENTS INCORPORATED (115)
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5,197,140 Sliced addressing multi-processor and method of operation 178 1989
5,212,777 Multi-processor reconfigurable in single instruction multiple data (SIMD) and multiple instruction multiple data (MIMD) modes and method of operation 332 1989
5,239,654 Dual mode SIMD/MIMD processor providing reuse of MIMD instruction memories as data memories when operating in SIMD mode 275 1989
5,339,447 Ones counting circuit, utilizing a matrix of interconnected half-adders, for counting the number of ones in a binary string of image data 89 1989
5,761,493 Apparatus and method for adding an associative query capability to a programming language 130 1990
5,489,411 Titanium metal foils and method of making 91 1991
5,274,392 Tilted antenna 74 1992
5,247,304 Interrogating station for identification purposes, with separate transmitting and receiving antennae 74 1992
5,305,002 Hinged read-out antenna system 75 1992
5,410,649 Imaging computer system and network 114 1992
5,349,357 Circuit arrangement for obtaining a constant field strength of an HF signal radiated by a transmitting device with exchangeable antenna 74 1992
6,192,255 Communication system and methods for enhanced information transfer 179 1992
5,373,303 Built-in chip transponder with antenna coil 76 1992
5,408,243 Method for producing a flat flexible antenna 88 1993
5,701,127 Automatic vehicle identification system capable of vehicle lane discrimination 134 1993
6,038,584 Synchronized MIMD multi-processing system and method of operation 78 1993
5,371,896 Multi-processor having control over synchronization of processors in mind mode and method of operation 153 1993
5,351,052 Transponder systems for automatic identification purposes 206 1993
5,428,363 Antenna system for use in an automatic vehicular identification system 81 1993
5,858,006 Hypodermic needle with a protrusion 93 1993
5,329,617 Graphics processor nonconfined address calculation system 74 1993
5,491,483 Single loop transponder system and method 198 1994
5,488,376 Transponder interface circuit 93 1994
5,513,525 Arrangement for monitoring the operating state of vehicle pneumatic tires mounted on wheel rims 86 1994
5,673,106 Printing system with self-monitoring and adjustment 78 1994
5,471,592 Multi-processor with crossbar link of processors and memories and method of operation 223 1994
5,522,083 Reconfigurable multi-processor operating in SIMD mode with one processor fetching instructions for use by remaining processors 204 1994
6,070,003 System and method of memory access in apparatus having plural processors and plural memories 164 1994
5,500,651 System and method for reading multiple RF-ID transponders 137 1994
5,621,396 Method and apparatus with adaptive transponder plucking 77 1994
5,625,370 Identification system antenna with impedance transformer 105 1994
5,600,175 Apparatus and method for flat circuit assembly 98 1994
5,602,538 Apparatus and method for identifying multiple transponders 166 1994
5,629,981 Information management and security system 750 1994
5,569,187 Method and apparatus for wireless chemical supplying 178 1994
5,550,536 Circuit frequency following technique transponder resonant 120 1994
5,490,079 System for automated toll collection assisted by GPS technology 133 1994
5,592,150 Air coil and method of making the same 74 1994
5,563,582 Integrated air coil and capacitor and method of making the same 75 1994
5,497,121 Automatically correcting data detection circuit and method for FSK modulated signals 73 1994
5,594,448 Highly accurate RF-ID positioning system 127 1994
5,491,484 Electronic transponder tuning circuitry 119 1994
5,660,319 Ultrasonic bonding process 77 1995
5,625,366 Flat flexible antenna 86 1995
5,729,236 Identification system reader with multiplexed antennas 98 1995
5,607,522 Method of making electrical contact material 74 1995
5,880,675 Reusable package for identification devices 94 1995
5,675,342 Automatic vehicle identification system capable of vehicle lane discrimination 98 1995
5,525,994 Transponder interface circuit 100 1995
5,592,405 Multiple operations employing divided arithmetic logic unit and multiple flags register 100 1995
5,606,520 Address generator with controllable modulo power of two addressing capability 95 1995
5,613,146 Reconfigurable SIMD/MIMD processor using switch matrix to allow access to a parameter memory by any of the plurality of processors 157 1995
5,621,412 Multi-stage transponder wake-up, method and structure 387 1995
5,686,920 Transponder maintenance mode method 118 1995
5,691,731 Closed slot antenna having outer and inner magnetic loops 102 1995
5,696,913 Unique processor identifier in a multi-processing system having plural memories with a unified address space corresponding to each processor 135 1995
5,758,195 Register to memory data transfers with field extraction and zero/sign extension based upon size and mode data corresponding to employed address register 82 1995
5,768,609 Reduced area of crossbar and method of operation 153 1995
5,809,288 Synchronized MIMD multi-processing system and method inhibiting instruction fetch on memory access stall 103 1995
5,602,919 Speedup for monetary transactions using a transponder in conjunction with a smartcard 141 1995
6,317,721 Transaction accounting of toll transactions in transponder systems 113 1995
5,792,337 Method and apparatus for detection of corrosion 88 1995
5,646,607 Transponder/interrogator protocol in a multi-interrogator field 92 1995
5,798,709 Wireless transmitter carrier phase synchronization 76 1996
5,557,279 Unitarily-tuned transponder/shield assembly 104 1996
5,793,324 Transponder signal collision avoidance system 94 1996
5,638,080 Manufacture of a flexible antenna, with or without an inner permeable magnetic layer 79 1996
5,581,630 Personal identification 226 1996
5,748,137 Wireless flywheel synchronization method 75 1996
5,619,207 Highly accurate RE-ID positioning system 97 1996
5,608,406 Device for controlling discharge of a charge capacitor in a transponder 78 1996
5,621,411 Positioning with RF-ID transponders 113 1996
5,731,957 Transponder including a fluid cushioning medium and a method for its production 87 1996
5,729,053 Apparatus and method for flat circuit assembly 96 1996
5,867,100 Air Coil a security badge and a transponder 74 1996
5,785,680 Injector and object to be injected by the injector 76 1996
5,809,142 Method and system for calculating a user account balance in a recognition system 97 1996
6,323,566 Transponder for remote keyless entry systems 169 1996
5,797,060 Electrophotographic printing subsystem with self-monitoring and adjustment 80 1996
5,825,302 System and method for transmitting data using reflected electromagnetic radiation 87 1996
5,794,095 Intelligent printing system 71 1996
5,864,323 Ring antennas for resonant circuits 136 1996
5,842,088 Method of calibrating a spatial light modulator printing system 261 1997
5,870,031 Full-wave rectifier and method of operation for a recognition system 97 1997
6,167,236 Damping modulation circuit for a full-duplex transponder 79 1997
5,841,364 Method and apparatus for transfering information from a transponder 75 1997
5,955,969 Method to prevent rouge transponder responses in automatic vehicle identification systems 90 1997
5,912,678 Process flow design at the module effects level through the use of acceptability regions 112 1997
5,826,077 Apparatus and method for adding an associative query capability to a programming language 168 1997
6,101,174 Low power, short range point-to-multipoint communications systems 133 1997
5,905,798 TIRIS based kernal for protection of "copyrighted" program material 152 1997
5,970,148 Low cost encryption transponder 83 1997
5,732,579 Key having an air coil antenna and a method of construction 95 1997
5,929,801 Method for repeating interrogations until failing to receive unintelligible responses to identify plurality of transponders by an interrogator 122 1997
5,870,915 Key lock having inductive key detection and method of construction 75 1997
5,881,272 Synchronized MIMD multi-processing system and method inhibiting instruction fetch at other processors on write to program counter of one processor 70 1997
5,933,624 Synchronized MIMD multi-processing system and method inhibiting instruction fetch at other processors while one processor services an interrupt 78 1997
6,002,438 Method and apparatus for storing decoded video information 73 1997
6,205,151 ATM cell scheduler which uses a heap memory and associates timestamps with each channel 89 1997
6,115,360 Fair scheduling of ATM cell transmissions during overscheduled conditions 87 1997
6,198,875 Tiris based bios for protection of "copyrighted" program material 114 1997
5,953,512 Microprocessor circuits, systems, and methods implementing a loop and/or stride predicting load target buffer 84 1997
6,216,219 Microprocessor circuits, systems, and methods implementing a load target buffer with entries relating to prefetch desirability 110 1997
6,230,270 Integrated circuit identification system 77 1998
6,133,834 Method of trimming film type antennas 83 1998
6,064,320 Automatic vehicle identification system capable of vehicle lane discrimination 114 1998
6,232,917 Navigational system 132 1998
6,266,754 Secure computing device including operating system stored in non-relocatable page of memory 75 1999
6,239,675 Tuning circuit having switchable capacitor controlled by a selection circuit 73 1999
6,116,423 Multi-functional shipping system for integrated circuit devices 78 1999
6,215,437 Procedure for reading the data stored in a transponder and a transponder system for the execution of the procedure 84 1999
6,260,088 Single integrated circuit embodying a risc processor and a digital signal processor 108 2000
6,377,034 Method and circuits for inductor current measurement in MOS switching regulators 85 2000
6,388,533 Programmable ring oscillator 77 2000
 
MASTERCARD INTERNATIONAL INCORPORATED (19)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 486 1988
5,023,782 Travelers cheque transaction terminal 247 1990
5,557,516 System and method for conducting cashless transactions 290 1994
5,878,215 System and method for processing multiple electronic transaction requests 147 1994
5,705,798 System and method for processing a customized financial transaction card 258 1994
5,692,132 System and method for conducting cashless transactions on a computer network 532 1995
5,699,528 System and method for bill delivery and payment over a communications network 1005 1995
5,704,046 System and method for conducting cashless transactions 314 1996
6,315,193 Financial transaction card with installment loan feature 142 1998
6,473,500 System and method for using a prepaid card 447 1998
6,546,373 System and method for recovering refundable taxes 115 1999
6,681,328 System and method for global internet digital identification 86 2000
6,578,768 Method and device for selecting a reconfigurable communications protocol between and IC card and a terminal 94 2000
2003/0120,554 System and method for conducting secure payment transactions 73 2002
2003/0140,228 Method and device for control by consumers over personal data 78 2002
2003/0132,284 System and method for integrated circuit card data storage 67 2002
6,857,566 Method and system for conducting transactions using a payment card with two technologies 144 2002
2003/0225,623 Method and system for conducting transactions using a payment card with account information encoded in bar code 83 2003
* 2005/0119,978 Authentication arrangement and method for use with financial transactions 77 2004
 
MICROSOFT CORPORATION (18)
5,594,227 System and method for protecting unauthorized access to data contents 149 1995
5,852,812 Billing system for a network 546 1995
5,878,141 Computerized purchasing system and method for mediating purchase transactions over an interactive network 466 1995
5,768,385 Untraceable electronic cash 153 1995
* 5,721,781 Authentication system and method for smart card transactions 591 1995
5,742,756 System and method of using smart cards to perform security-critical operations requiring user authorization 161 1996
5,878,138 System and method for detecting fraudulent expenditure of electronic assets 108 1996
6,038,551 System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer 445 1996
5,778,069 Non-biased pseudo random number generator 167 1996
5,918,216 Automatic recognition of periods for financial transactions 75 1996
5,897,622 Electronic shopping and merchandising system 626 1996
5,999,914 Electronic promotion system for an electronic merchant system 392 1996
6,070,150 Electronic bill presentment and payment system 431 1996
6,125,352 System and method for conducting commerce over a distributed network 312 1996
6,029,147 Method and system for providing an interface for supporting multiple formats for on-line banking services 128 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 662 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 565 1997
5,958,004 Disabling and enabling transaction committal in transactional application components 102 1997
 
VISA INTERNATIONAL SERVICE ASSOCIATION (17)
5,500,513 Automated purchasing control system 238 1994
5,761,306 Key replacement in a public key cryptosystem 230 1996
RE36365 Method and apparatus for distributing currency 271 1996
6,003,014 Method and apparatus for acquiring access using a smart card 152 1997
6,282,522 Internet payment system using smart card 423 1997
6,240,187 Key replacement in a public key cryptosystem 118 1998
6,179,205 System and method for locking and unlocking and application in a smart card 177 1998
6,105,008 Internet loading system using smart card 285 1998
6,560,581 System and method for secure electronic commerce transaction 295 1998
6,018,717 Method and apparatus for acquiring access using a fast smart card transaction 174 1998
6,549,912 Loyalty file structure for smart card 199 1998
6,367,011 Personalization of smart cards 137 1998
6,273,335 System and method for locking and unlocking an application in a smart card 96 2000
2003/0200,184 Mobile account authentication service 163 2003
2003/0195,843 Conducting commerce between individuals with integrated shipping 92 2003
2004/0015,451 Method for conducting financial transactions utilizing infrared data communications 69 2003
2004/0139,021 Method and system for facilitating data access and management on a secure token 127 2003
 
TEXAS INSTRUMENTS DEUTSCHLAND GMBH (14)
5,053,774 Transponder arrangement 405 1991
5,491,715 Automatic antenna tuning method and circuit 235 1993
5,541,604 Transponders, Interrogators, systems and methods for elimination of interrogator synchronization requirement 242 1993
5,552,789 Integrated vehicle communications system 239 1994
5,543,798 Method of providing a synchronized data stream suitable for use in a combined FDX and HDX RF-ID system 91 1994
5,597,534 Apparatus for wireless chemical sensing 99 1994
5,489,908 Apparatus and method for identifying multiple transponders 170 1994
5,525,992 Method and system for conserving power in a recognition system 163 1994
5,493,312 Reduced current antenna circuit 75 1995
5,548,291 Read/write transponder arrangement and method of communication 119 1995
5,550,548 Interrogator for detecting adjacent transponders 103 1995
5,561,430 Inductor/antenna for a recognition system 93 1995
5,948,116 Bit error correction algorithm 76 1996
6,118,189 Identification system reader with multiplexed antennas 72 1997
 
HEWLETT-PACKARD COMPANY (11)
5,641,050 Dispensing machine with data card scanner apparatus and enhanced features 159 1995
5,917,168 System and method for revaluation of stored tokens in IC cards 177 1996
5,963,924 System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce 303 1996
5,987,140 System, method and article of manufacture for secure network electronic payment and credit collection 292 1996
6,016,484 System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment 330 1996
5,983,208 System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 272 1996
6,002,767 System, method and article of manufacture for a modular gateway server architecture 258 1996
6,072,870 System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 379 1996
5,931,917 System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser 335 1996
5,978,840 System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture 325 1996
5,996,076 System, method and article of manufacture for secure digital certification of electronic commerce 307 1997
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (10)
6,092,198 System and method for enabling and controlling anonymous file transfer protocol communications 50 1997
* 6,112,987 Method of executing a transaction on a smartcard, a smartcard and a transaction processing system including a smartcard 50 1998
6,177,860 Method and economical direct connected apparatus for deploying and tracking computers 168 1998
* 6,651,168 Authentication framework for multiple authentication processes and mechanisms 123 1999
6,481,621 System method and article of manufacture for accessing and processing smart card information 99 1999
6,427,910 Method for managing and updating overloaded cards 52 1999
7,103,575 Enabling use of smart cards by consumer devices for internet commerce 114 2000
2002/0095,587 Smart card with integrated biometric sensor 158 2001
6,760,581 System and method for improved mobile phone functionality 84 2001
* 2005/0040,272 Cartridge with slanted memory chip and conforming wall 51 2003
 
GILBARCO INC. (8)
6,078,888 Cryptography security for remote dispenser transactions 222 1997
6,098,879 Fuel dispensing system providing customer preferences 156 1998
6,073,840 Fuel dispensing and retail system providing for transponder prepayment 291 1998
6,116,505 Fuel transaction system for enabling the purchase of fuel and non-fuel items on a single authorization 186 1998
6,535,726 Cellular telephone-based transaction processing 135 2000
6,422,464 Fuel dispensing system providing customer preferences 164 2000
6,326,934 ADA convertible input display 77 2000
2002/0113,082 Antenna placement in a fueling and retail system 87 2001
 
III HOLDINGS 1, LLC (8)
6,581,839 Transaction card 188 2000
6,732,936 Transparent/translucent financial transaction card 73 2000
2001/0034,720 System for facilitating a transaction 219 2001
* 6,685,088 System and method for selecting an account 66 2002
6,705,530 Transparent/translucent financial transaction card 122 2003
* 2004/0006,539 System and method for facilitating the handling of a dispute using disparate architectures 44 2003
2003/0233,334 Methods and apparatus for facilitating a transaction 83 2003
* 2005/0038,718 Method and system for facilitating a shopping experience 83 2004
 
CITIBANK, N.A. (7)
6,088,686 System and method to performing on-line credit reviews and approvals 560 1996
6,122,625 Apparatus and method for secure transacting 282 1998
6,081,790 System and method for secure presentment and payment over open networks 282 1998
6,088,797 Tamper-proof electronic processing device 67 1998
6,336,095 Method for electronic merchandise dispute resolution 110 1998
6,098,053 System and method for performing an electronic financial transaction 472 1999
6,665,405 Cyclotomic polynomial construction of discrete logarithm cryptosystems over finite fields 76 2000
 
CITICORP DEVELOPMENT CENTER, INC. (6)
6,012,049 System for performing financial transactions using a smartcard 176 1998
6,510,983 System and method for transferring value to a magnetic stripe on a transaction card 133 1998
6,442,532 Wireless transaction and information system 227 1998
2002/0062,284 METHOD AND SYSTEM OF CONTACTLESS INTERFACING FOR SMART CARD BANKING 124 1999
6,289,324 System for performing financial transactions using a smart card 150 2000
6,687,714 Method and system for managing transaction card data 84 2000
 
FUJITSU LIMITED (6)
5,884,280 System for and method of distributing proceeds from contents 84 1996
6,012,143 Method for managing security for card-type storage medium and a transaction apparatus therefor 59 1996
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 391 1998
6,513,015 System and method for customer recognition using wireless identification and visual data transmission 154 1998
6,179,206 Electronic shopping system having self-scanning price check and purchasing terminal 195 1998
6,608,995 Detection circuit for proximity IC card device 75 2000
 
LUCENT TECHNOLOGIES INC. (6)
* 5,544,246 Smartcard adapted for a plurality of service providers and for remote installation of same 393 1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 495 1994
5,608,778 Cellular telephone as an authenticated transaction controller 178 1994
5,577,120 Method and apparatus for restrospectively identifying an individual who had engaged in a commercial or retail transaction or the like 124 1995
5,898,783 System and method for employing a telecommunications network to remotely disable a SIM or smartcard 140 1996
6,006,216 Data architecture for fetch-intensive database applications 129 1997
 
MONDEX INTERNATIONAL LIMITED (6)
6,237,848 Reading data from a smart card 100 1994
5,778,067 Value transfer system 286 1996
5,982,293 Transaction recovery in a value transfer system 64 1998
6,220,510 Multi-application IC card with delegation feature 149 1998
6,742,120 System and method for controlling access to computer code in an IC card 77 1998
6,439,455 Value transfer system 77 2000
 
NCR CORPORATION (5)
5,594,233 Multiple standard smart card reader 172 1995
5,770,843 Access card for multiple accounts 336 1996
6,011,487 System and method of locating wireless devices 79 1996
2002/0079,367 Method and apparatus for operating a self-service checkout terminal to access a customer account 82 2000
2002/0028,704 Information gathering and personalization techniques 86 2001
 
ROUND ROCK RESEARCH, LLC (5)
5,365,551 Data communication transceiver using identification protocol 280 1992
5,572,226 Spherical antenna pattern(s) from antenna(s) arranged in a two-dimensional plane for use in RFID tags and labels 198 1995
6,061,344 Method of addressing messages and communications system 99 1998
6,112,152 RFID system in communication with vehicle on-board computer 203 1999
6,693,513 Wireless identification device, RFID device with push-on/push off switch, and method of manufacturing wireless identification device 110 2002
 
WALKER DIGITAL, LLC (5)
6,018,718 Method and system for processing customized reward offers 341 1997
6,163,771 Method and device for generating a single-use financial account number 253 1997
6,330,544 System and process for issuing and managing forced redemption vouchers having alias account numbers 163 1999
* 2003/0055,727 Method and apparatus for facilitating the provision of a benefit to a customer of a retailer 114 2002
2003/0177,347 Methods and apparatus for awarding prizes based on authentication of computer generated outcomes using coupons 127 2002
 
AT&T CORP. (4)
5,461,217 Secure money transfer techniques using smart cards 300 1994
5,845,267 System and method for billing for transactions conducted over the internet from within an intranet 314 1996
6,024,286 Smart card providing a plurality of independently accessible accounts 178 1997
5,970,473 Video communication device providing in-home catalog services 167 1997
 
GLOBALPLATFORM, INC. (4)
6,005,942 System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card 296 1998
6,233,683 System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card 182 1998
6,402,028 Integrated production of smart cards 167 1999
* 6,481,632 Delegated management of smart card applications 142 1999
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (4)
6,438,235 Media content protection utilizing public key cryptography 89 1998
6,588,660 Passive contactless smartcard security system 130 2000
7,096,204 Electronic commerce system 68 2000
2003/0046,228 User-wearable functional jewelry with biometrics and smartcard to remotely sign and/or authenticate to e-services 131 2001
 
NOKIA CORPORATION (4)
5,887,266 Method for using applications in a mobile station, a mobile station and a system for effecting payments 144 1996
6,771,981 Electronic device cover with embedded radio frequency (RF) transponder and methods of using same 193 2000
2002/0194,303 Portable shopping assistant 76 2001
2004/0030,601 Electronic payment methods for a mobile device 177 2003
 
OPEN NETWORK SOLUTIONS, INC. (4)
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 502 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 201 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 204 1997
6,684,269 System and method for enabling transactions between a web server and a smart card, telephone, or personal digital assistant over the internet 122 2002
 
ORBIS PATENTS LTD. (4)
6,029,890 User-Specified credit card system 218 1998
7,136,835 Credit card system and method 94 2000
* 2003/0018,567 Business-to-business commerce using financial transaction numbers 113 2002
* 2003/0028,481 Credit card system and method 248 2002
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (4)
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 247 1995
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 288 1996
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 149 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 172 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 116 1999
D442629 Card with an ornamental rectangle 99 1999
D447515 Card with an ornamental rectangle 112 2000
 
BANK OF AMERICA CORPORATION (3)
5,826,243 Integrated system for controlling master account and nested subaccount(s) 318 1994
6,016,482 Enhanced collateralized funding processor 319 1996
6,108,641 Integrated nested account financial system with medical savings subaccount 258 1998
 
CITICORP (3)
5,485,510 Secure credit/debit card authorization 405 1994
5,914,472 Credit card spending authorization control system 471 1997
6,052,675 Method and apparatus for preauthorizing credit card type transactions 192 1998
 
CUBIC CORPORATION (3)
6,259,769 Portable smart card communication device 103 1999
6,577,229 Multiple protocol smart card communication device 227 1999
6,480,101 Contactless proximity automated data collection system and method 112 2000
 
FIRST DATA CORPORATION (3)
6,141,651 Funding and settlement integrated suspense processing system 141 1998
* 2004/0083,184 Anonymous card transactions 76 2003
7,213,748 Anonymous mailing and shipping transactions 50 2004
 
FRANCE TELECOM (3)
6,014,646 Process for making a payment using an account manager 136 1996
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 215 1997
2003/0163,699 Cryptography method and smart cards microcircuit 71 2003
 
GOOGLE TECHNOLOGY HOLDINGS LLC (3)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 265 1996
5,834,756 Magnetically communicative card 224 1996
5,943,624 Contactless smartcard for use in cellular telephone 155 1996
 
INTERMEC IP CORP. (3)
6,286,763 Method and apparatus to automatically search data carriers, such as RFID tags and machine-readable symbols 116 1999
6,318,636 Method and apparatus to read different types of data carriers, such RFID tags and machine-readable symbols, and a user interface for the same 209 1999
6,529,880 Automatic payment system for a plurality of remote merchants 187 1999
 
MOTOROLA MOBILITY LLC (3)
6,206,293 Magnetically communicative card 213 1997
6,378,073 Single account portable wireless financial messaging unit 79 1997
6,466,804 Method and apparatus for remote multiple access to subscriber identity module 111 2000
 
PRIVASYS, INC. (3)
* 7,195,154 Method for generating customer secure card numbers 138 2001
2003/0061,168 Method for generating customer secure card numbers 20 2001
2003/0061,168 Method for generating customer secure card numbers 20 2001
 
THE WESTERN UNION COMPANY (3)
2003/0187,786 Merchant transponder systems using electronic check processing 78 2002
2003/0187,790 Electronic check processing systems 118 2002
2003/0187,796 Systems for processing transponder-based transactions 111 2002
 
U.S. PHILIPS CORPORATION (3)
5,797,085 Wireless communication system for reliable communication between a group of apparatuses 160 1996
5,991,608 Portable communication device with optimized transmission loss 77 1997
2001/0039,617 SYSTEM FOR THE TRANSMISSION OF DATA BETWEEN AT LEAST ONE WRITE/READ STATION AND A PLURALITY OF DATA CARRIERS 71 1997
 
YT ACQUISITION CORPORATION (3)
6,269,348 Tokenless biometric electronic debit and credit transactions 235 1999
6,012,039 Tokenless biometric electronic rewards system 231 1999
6,662,166 Tokenless biometric electronic debit and credit transactions 168 2001
 
ACTIVIDENTIY, INC. (2)
* 6,880,037 Method of data caching on a smartcard 24 2002
* 2004/0034,734 Method of data caching on a smartcard 4 2002
 
ALEXSAM, INC. (2)
* 6,000,608 Multifunction card system 387 1997
6,189,787 Multifunctional card system 428 1999
 
AMAZON.COM, INC. (2)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 565 1995
5,960,411 Method and system for placing a purchase order via a communications network 1342 1997
 
Biometric Security Card, Inc. (2)
2002/0138,438 Biometric identification system using biometric images and copy protect code stored on a magnetic stripe and associated methods 78 2002
2002/0196,963 Biometric identification system using a magnetic stripe and associated methods 96 2002
 
CHESS VENTURES LLC (2)
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 64 2001
 
EASTMAN KODAK COMPANY (2)
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6,626,356 Multi-use credit card for financial transactions and vehicle configuration 72 2001
 
GENERAL MOTORS LLC (1)
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GM NETWORK LIMITED (1)
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ISLIP TECHNOLOGIES LLC (1)
6,325,285 Smart card with integrated fingerprint reader 216 1999
 
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6,457,996 Connector to PDA external keyboard 78 2001
 
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4,868,849 Telephone card and telephone card-operated telephone 81 1988
 
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6,109,525 Method and device for registering vehicles in a road toll facility 137 1998
 
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6,494,380 IC card having fingerprint sensor designed to withstand bending 72 2001
 
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Other [Check patent profile for assignment information] (41)
4,443,027 Multiple company credit card system 198 1981
4,700,055 Multiple credit card system 329 1985
5,016,274 On-line/off-line digital signing 209 1988
5,101,200 Fast lane credit card 171 1989
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 528 1991
5,326,964 Separable multi-account safety credit card 103 1993
5,774,882 Credit approval system 203 1993
5,397,881 Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner 162 1993
5,585,787 Programmable credit card 425 1994
5,504,808 Secured disposable debit card calling system and method 174 1994
5,748,737 Multimedia electronic wallet with generic card 342 1994
5,844,230 Information card 234 1995
5,825,007 Automatic non-computer network no-stop collection of expressway tolls by prepaid cards and method: pay according to category of vehicle and the distance it travels 89 1996
5,903,880 Self-contained payment system with circulating digital vouchers 195 1996
5,953,710 Children's credit or debit card system 604 1996
6,012,636 Multiple card data system having first and second memory elements including magnetic strip and fingerprints scanning means 278 1997
6,014,650 Purchase management system and method 100 1997
6,078,908 Method for authorizing in data transmission systems 105 1998
6,047,888 Method system and portable data medium for paying for purchases 133 1998
6,342,844 Two-way radio-based electronic toll collection method and system for highway 123 1998
6,123,223 Automated vending system for floral arrangements 121 1998
6,353,811 Credit card billing system for identifying expenditures on a credit card account 145 2000
6,834,270 Secured financial transaction system using single use codes 53 2000
2002/0077,895 Electronic consumer incentive distribution system 92 2000
2002/0107,742 System for and method of transacting non-fuel purchases using an island transaction terminal 86 2001
7,003,501 Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites 56 2001
6,520,542 Promotional two-piece in one postcard housing an integral coupon card 56 2001
2002/0147,913 Tamper-proof mobile commerce system 95 2001
* 2002/0040,438 Method to securely load and manage multiple applications on a conventional file system smart card 12 2001
2002/0126,010 Object locator system employing RF signaling 85 2001
2002/0095,389 Method, apparatus and system for identity authentication 104 2001
2003/0014,891 Non-rectangular shaped credit card with case 87 2002
2002/0131,567 Device and method for repetitive communication of messages 71 2002
2002/0107,007 Method for wireless telephony payment and an apparatus therefor 93 2002
6,669,086 Self service check cashing system and method 76 2002
2002/0185,543 Data card 88 2002
2003/0069,846 Multi-function electronic transaction card 95 2002
* 2003/0208,438 System and method for extracting value for consumers and institutions from depth of relationships 54 2002
2003/0222,153 Data card 85 2003
2003/0225,713 Prepayment system for power distribution using RFID technology 76 2003
2003/0195,842 Method and device for making secure transactions 104 2003
* Cited By Examiner

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Patent Info (Count) # Cites Year
 
CARDINALCOMMERCE CORPORATION (3)
8,645,266 Universal merchant platform for payment authentication 0 2010
8,650,118 Universal merchant platform for payment authentication 0 2012
8,762,210 Alternative payment implementation for electronic retailers 0 2013
 
Sprint Communications Company L.P. (3)
8,577,731 Method of transaction processing to support proxy financial card 2 2011
* 8,566,168 Electronic payment using a proxy account number stored in a secure element 2 2012
8,862,181 Electronic purchase transaction trust infrastructure 0 2012
 
GOOGLE INC. (1)
8,606,720 Secure storage of payment information on client devices 2 2012
 
JPMORGAN CHASE BANK, N.A. (1)
8,645,222 System and methods for mobile ordering and payment 1 2011
 
NCR CORPORATION (1)
* 8,639,594 Cash management of self-service transactional devices 0 2010
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Feb 9, 2015
7.5 Year Payment $3600.00 $1800.00 $900.00 Feb 9, 2019
11.5 Year Payment $7400.00 $3700.00 $1850.00 Feb 9, 2023
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