US Patent No: 8,015,084 - Analytics, PDF, Full Text and PAIR Access

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System and method for linked account having sweep feature

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A linked account instrument is used to access funds in an existing demand deposit account held at a financial institution. Merchant or other transactions are first processed against a demand deposit account via an electronic authorization network. If the demand deposit account does not have sufficient funds, the transactions may be processed as a credit charge against a designated credit account. The demand deposit account may subsequently be swept at predetermined times in search of funds to defray the overdraft. If adequate funds are present, they will be withdrawn from the demand deposit account, and the credit account will be cleared. Otherwise, the instrument holder's daily purchasing abilities may be temporarily suspended until the credit account is settled. The processing of overdraft amounts may be on a FIFO, smallest-first or other basis.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1918

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fox, Steven J Parkton, MD 6 14
Hirka, Jeffrey L Wilmington, DE 26 269

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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CARDTRONICS, INC. (1)
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COUPCO, INC. (1)
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CURSYS, INC. (NOW CURRENCY SCIENTIFIC INC.) (1)
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DATATREASURY CORPORATION (1)
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DCCP, INC. (1)
5,424,524 Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers 446 1993
 
DOWLEN, JOHN E. (1)
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E2INTERACTIVE, INC. D/B/A E2INTERACTIVE, INC. (1)
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Other [Check patent profile for assignment information] (18)
4,700,055 Multiple credit card system 329 1985
4,823,264 Electronic funds transfer system 571 1986
5,053,607 Point-of-sale device particularly adapted for processing checks 350 1989
5,111,395 Automated fund collection system including means to eliminate duplicate entries from a mailing list 135 1989
5,192,947 Credit card pager apparatus 342 1990
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 426 1990
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 528 1991
5,297,026 System for promoting account activity 310 1992
5,326,959 Automated customer initiated entry remittance processing system 376 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 489 1992
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
5,544,040 System for management of common purchase operations for goods and services 178 1994
5,826,245 Providing verification information for a transaction 401 1995
5,787,404 Credit-card based retirement fund system and method 209 1995
5,802,498 Computer-aided prepaid transmittal charge billing system 178 1996
5,955,961 Programmable transaction card 371 1996
6,129,273 Method and apparatus for an automated, computer approved, check cashing system 135 1998
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
AMAZON TECHNOLOGIES, INC. (1)
* 8,655,786 Aggregate constraints for payment transactions 0 2007
 
JPMORGAN CHASE BANK USA, NA (1)
* 8,682,730 System and method for linked account having sweep feature 0 2011
* Cited By Examiner

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7.5 Year Payment $3600.00 $1800.00 $900.00 Mar 6, 2019
11.5 Year Payment $7400.00 $3700.00 $1850.00 Mar 6, 2023
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