US Patent No: 8,027,914 - Analytics, PDF, Full Text and PAIR Access

Number of patents in Portfolio can not be more than 2000

System and method for providing instant-decision, financial network-based payment cards

ALSO PUBLISHED AS: 20100114758

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

A system and method for issuance of a financial network-based payment card (generally known as a “credit card”) almost instantaneously after application, wherein an applicant applies for a credit card by entering data into a data entry system, advantageously by filling in a plurality of predefined forms in a computer-based data entry system. The applicant's data is sent via a data network to a central decision center, which approves or disapproves the application. If the application is approved, data is generated and delivered to a card production system, which embosses and magnetically encodes a card blank. The card is then delivered to the applicant.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, NATIONAL ASSOCIATIONNEW YORK, NY1951

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Levinson, Ronald Tampa, US 3 0
Sabharwal, Mohit New York, US 5 26
White, Brigette A Cortlandt Manor, US 5 7

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (19)
5,689,649 System for operation of a combination mortgage, equity load and savings plan 131 1991
5,206,803 System for enhanced management of pension-backed credit 277 1991
5,774,882 Credit approval system 214 1993
5,983,206 Computer system and computer-implemented process for implementing a mortgage partnership 128 1997
5,842,178 Computerized quotation system and method 562 1998
6,055,517 Method of determining optimal asset allocation utilizing asset cash flow simulation 105 1998
6,078,905 Method for optimizing risk management 80 1998
5,987,436 Obligated investment system 128 1999
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 296 1999
6,691,094 Bank loan trading system and method 80 1999
* 6,386,451 Travel system and methods utilizing multi-application passport cards 108 2000
2001/0037,289 Methods and systems of identifying, processing and credit evaluating low-moderate income populations and reject inferencing of credit applicants 46 2001
2002/0103,749 Remote on-the-spot credit processing 19 2001
2002/0059,137 Online mortgate application processing and tracking system 96 2001
2002/0013,728 Universal transaction manager agent, systems and methods 174 2001
2002/0091,628 Credit granting system and credit applying method using the system 12 2001
2003/0135,448 System and methods for valuing and managing the risk of credit instrument portfolios 69 2002
2004/0044,615 Multiple severity and urgency risk events credit scoring system 40 2002
2005/0288,954 Method, system and personalized web content manager responsive to browser viewers' psychological preferences, behavioral responses and physiological stress indicators 161 2005
 
Experian Information Solutions, Inc. (1)
2002/0052,836 Method and apparatus for determining a prepayment score for an individual applicant 85 2001
 
NESTOR, INC. (2)
4,760,604 Parallel, multi-unit, adaptive, nonlinear pattern class separator and identifier 149 1985
4,897,811 N-dimensional coulomb neural network which provides for cumulative learning of internal representations 84 1988
 
AUTO DATA, INC. (1)
5,774,883 Method for selecting a seller's most profitable financing program 273 1995
 
RTH CORPORATION (1)
6,185,543 Method and apparatus for determining loan prepayment scores 148 1998
 
Spot Metals Online (1)
5,715,402 Method and system for matching sellers and buyers of spot metals 504 1995
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
4,812,628 Transaction system with off-line risk assessment 410 1987
 
SAMSUNG ELECTRONICS CO., LTD. (1)
2003/0193,657 Range finder device and camera 17 2003
 
LENDINGTREE, LLC (1)
6,385,594 Method and computer network for co-ordinating a loan over the internet 293 1998
 
DECISIONING.COM, INC. (4)
5,537,315 Method and apparatus for issuing insurance from kiosk 177 1994
5,870,721 System and method for real time loan approval 689 1996
5,940,811 Closed loop financial transaction method and apparatus 553 1996
6,105,007 Automatic financial account processing system 454 1999
 
ROYAL BANK OF CANADA (AS SUCCESSOR TO MORGAN STANLEY & CO. LLC) (1)
4,736,294 Data processing methods and apparatus for managing vehicle financing 166 1987
 
SHORE DEARY, L.L.P. (2)
5,910,988 Remote image capture with centralized processing and storage 426 1997
6,032,137 Remote image capture with centralized processing and storage 351 1998
 
BIG FINANCE AND INSURANCE COMPANY, INC. (1)
2003/0229,582 Method, apparatus and system for providing notifications in commercial transactions 38 2003
 
Raff Enterprises, Inc. (1)
5,481,647 User adaptable expert system 149 1993
 
CU DIRECT CORPORATION (3)
5,611,052 Lender direct credit evaluation and loan processing system 438 1993
5,930,776 Lender direct credit evaluation and loan processing system 200 1997
6,029,149 Lender direct credit evaluation and loan processing system 385 1999
 
NSK LTD. (2)
5,444,844 Figure drawing apparatus and inventory purchasing system using the same 73 1994
5,644,493 Production information processing system 103 1995
 
Financial Design Systems, Inc. (1)
4,598,367 Financial quotation system using synthesized speech 157 1983
 
MOORE U.S.A. INC. (1)
* 6,076,076 Prepaid print card system and method 47 1997
 
Financial Engines, Inc., a Delaware Corporation (2)
5,918,217 User interface for a financial advisory system 346 1997
6,012,044 User interface for a financial advisory system 224 1999
 
PANARA ACQUISITIONS CO, LLC (1)
6,216,115 Method for multi-directional consumer purchasing, selling, and transaction management 100 1998
 
Datamind Corporation (1)
5,970,482 System for data mining using neuroagents 186 1996
 
CHASE MANHATTAN BANK, THE (2)
6,249,775 Method for mortgage and closed end loan portfolio management 108 1997
6,502,080 Automatic lease residual management system 67 1999
 
THE REGENTS OF THE UNIVERSITY OF CALIFORNIA (1)
5,838,906 Distributed hypermedia method for automatically invoking external application providing interaction and display of embedded objects within a hypermedia document 638 1994
 
CAPITAL ONE FINANCIAL CORPORATION (1)
2003/0046,222 System and methods for providing starter credit card accounts 49 2001
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (3)
5,321,841 System for determining the rights of object access for a server process by combining them with the rights of the client process 346 1993
5,844,553 Mechanism to control and use window events among applications in concurrent computing 319 1996
6,317,797 System for automatic synchronization of common file between portable computer and host computer via communication channel established with user approval of charge to be incurred 73 1998
 
RYAN, RAYMOND D. (1)
5,655,085 Computer system for automated comparing of universal life insurance policies based on selectable criteria 297 1994
 
OLYMPUS OPTICAL CO., LTD. (1)
5,551,021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 249 1994
 
ACCENTURE GLOBAL SERVICES LIMITED (1)
6,134,530 Rule based routing system and method for a virtual sales and service center 230 1998
 
INNOVIS DATA SOLUTIONS, INC. (1)
6,311,169 On-line consumer credit data reporting system 283 1998
 
BATTERYMARCH INVESTMENT SYSTEM, A CORP. OF MA (1)
5,220,500 Financial management system 223 1989
 
PRIMESTREET CORPORATION (1)
2002/0069,159 Method and apparatus for recycling declined credit applications 15 2000
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (1)
5,802,502 System for selective communication connection based on transaction pricing signals 468 1994
 
Syntelligence (1)
4,866,634 Data-driven, functional expert system shell 125 1987
 
The United States of America as represented by the Secretary of the Navy (1)
6,108,644 System and method for electronic transactions 177 1998
 
DICKELMAN, MARK (1)
6,529,187 Generalized system for internet and services navigation from keypad equipped internet devices, including browser equipped phones 26 2000
 
NCR CORPORATION (2)
5,233,547 Electronic checking account apparatus and method having a digitizer to receive information as a check is being written 73 1991
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 522 1998
 
TRANSSEC DATA LIMITED LIABILITY COMPANY (1)
6,339,766 Electronic payment system employing limited-use account number 140 1998
 
PROPERTY DATA (LUXEMBOURG) S.A R.L. (1)
7,212,995 Loan underwriting system and method 16 2003
 
Allstate Insurance Company (1)
5,809,478 Method for accessing and evaluating information for processing an application for insurance 280 1995
 
FIRST AMERICAN CREDIT MANAGEMENT SOLUTIONS, INC. (1)
2003/0101,133 Workflow management system for an automated credit application system 20 2003
 
INTERNATIONAL COMPUTERS LIMITED (1)
6,272,528 Computer method for delivery of financial services 107 1998
 
DATATREASURY CORPORATION (1)
5,899,982 Bank-centric service platform, network and system 193 1998
 
BOSTON GEAR LLC (1)
4,964,043 System for visualizing, identifying and ordering gearing configurations 118 1988
 
COLLEGE SAVINGS BANK (1)
4,642,768 Methods and apparatus for funding future liability of uncertain cost 218 1984
 
MENTOR GRAPHICS CORPORATION (1)
5,815,683 Accessing a remote cad tool server 112 1996
 
Pescitelli; John B. (1)
5,845,256 Interactive self-service vending system 203 1997
 
SEARS BRANDS, L.L.C. (1)
* 6,980,969 Methods and apparatus for allowing internet based purchases based on a temporary credit card number 129 2000
 
ANTONOPOULOS LIMITED LIABILITY COMPANY (1)
* 6,879,965 Method, system and computer readable medium for web site account and e-commerce management from a central location 109 2001
 
LoanMarket Resources, L.L.C. (1)
5,940,812 Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network 393 1997
 
BANK OF AMERICA CORPORATION (1)
5,765,144 System for selecting liability products and preparing applications therefor 275 1996
 
YT ACQUISITION CORPORATION (1)
5,870,723 Tokenless biometric transaction authorization method and system 393 1996
 
GE CAPITAL CORPORATION (2)
5,991,750 System and method for pre-authorization of individual account transactions 432 1997
2002/0188,556 System and method for monitoring and analyzing exposure data 46 2001
 
Minerva, L.P. (1)
5,926,800 System and method for providing a line of credit secured by an assignment of a life insurance policy 279 1995
 
Siebel Systems, Inc. (2)
5,873,096 Method of maintaining a network of partially replicated database system 471 1997
5,963,953 Method, and system for product configuration 462 1998
 
Freddie Mac (1)
5,930,775 Method and apparatus for determining an optimal investment plan for distressed residential real estate loans 124 1997
 
CERTCO, INC. (1)
2001/0011,255 RELIANCE MANAGEMENT FOR ELECTRONIC TRANSACTION SYSTEM 106 1998
 
TELEFONAKTIEBOLAGET L M ERICSSON (PUBL) (1)
2002/0052,842 Initiation of an electronic payment transaction 101 2001
 
GHR SYSTEMS, INC. (1)
6,233,566 System, method and computer program product for online financial products trading 509 1999
 
III HOLDINGS 1, LLC (1)
2002/0123,960 Systems, methods and computer program products for offering consumer loans having customized terms for each customer 48 2001
 
AEGIS TECHNOLOGIES, INC. (2)
5,231,571 Personal financial assistant computer method 222 1990
5,606,496 Personal assistant computer method 138 1995
 
BANK ONE, NA (1)
6,202,053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 239 1998
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (2)
6,343,279 System integrating credit card transactions into a financial management system 234 1998
6,601,034 Decision management system which is cross-function, cross-industry and cross-platform 52 1998
 
ENVOY LLC (1)
5,832,447 Automated system and method for providing real-time verification of health insurance eligibility 232 1994
 
NANJI, ANVAR (2)
5,239,462 Method and apparatus for automatically determining the approval status of a potential borrower 327 1992
5,797,133 Method for automatically determining the approval status of a potential borrower 342 1997
 
CITIBANK, N.A. (4)
5,930,764 Sales and marketing support system using a customer information database 454 1996
6,088,686 System and method to performing on-line credit reviews and approvals 588 1996
6,112,190 Method and system for commercial credit analysis 257 1997
5,920,848 Method and system for using intelligent agents for financial transactions, services, accounting, and advice 400 1998
 
NEUSTAR INFORMATION SERVICES, INC. (1)
7,167,553 One number, intelligent call processing system 27 2003
 
HITACHI, LTD. (1)
2002/0032,645 System and method for score calculation 26 2001
 
DIAGNOSTICS SYSTEMS CORPORATION (1)
5,701,400 Method and apparatus for applying if-then-else rules to data sets in a relational data base and generating from the results of application of said rules a database of diagnostics linked to said data sets to aid executive analysis of financial data 476 1995
 
PRICELINE.COM LLC (1)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1666 1996
 
IMX, INC. (1)
5,995,947 Interactive mortgage and loan information and real-time trading system 319 1997
 
FLEET NATIONAL BANK (1)
6,898,636 Methods and systems for interchanging documents between a sender computer, a server and a receiver computer 34 2000
 
KABUSHIKI KAISHA TOSHIBA (1)
2001/0047,313 Method and system for electronic commerce using transaction management computer on network 21 2001
 
CMSI (1)
6,505,176 Workflow management system for an automated credit application system 119 1998
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (4)
5,278,751 Dynamic manufacturing process control 100 1991
5,802,251 Method and system for reducing perplexity in speech recognition via caller identification 95 1995
6,556,979 Method and system for identifying consumer credit revolvers with neural network time series segmentation 17 2000
2003/0135,450 System and methods for valuing and managing the risk of credit instrument portfolios 40 2002
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 281 1995
 
RESPONSE REWARDS SYSTEMS, L.C. (1)
5,227,874 Method for measuring the effectiveness of stimuli on decisions of shoppers 726 1991
 
CHECKFREE SERVICE CORPORATION (2)
5,649,116 Integrated decision management system 175 1995
2002/0087,468 Electronic payment risk processing 150 2000
 
CheckFree Corporation (1)
2002/0062,282 Risk based payment method and system 32 2001
 
CHRYSLER FIRST FINANCIAL SERVICES CORPORATION (1)
4,914,587 Financial data processing system with distributed data input devices and method of use 104 1987
 
FUJITSU LIMITED (3)
5,848,427 Information changing system and method of sending information over a network to automatically change information output on a user terminal 99 1996
6,910,020 Apparatus and method for granting access to network-based services based upon existing bank account information 16 1997
5,913,202 Financial information intermediary system 399 1997
 
FIRST AMERICAN CMSI (2)
5,878,403 Computer implemented automated credit application analysis and decision routing system 482 1995
6,587,841 Computer implemented automated credit application analysis and decision routing system 128 1998
 
GODO KAISHA IP BRIDGE 1 (1)
2006/0262,987 Variable length coding method and variable length decoding method 0 2006
 
DEUTSCHE FINANCIAL SERVICES (1)
5,262,941 Expert credit recommendation method and system 323 1990
 
INTERACTIVE MEDIA WORKS, INC., A TEXAS CORPORATION (1)
* 5,749,075 Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards 253 1995
 
FIRST ADVANTAGE CORPORATION (1)
5,274,547 System for generating and transmitting credit reports 254 1991
 
SOURCE SEARCH TECHNOLOGIES, LLC (1)
5,758,328 Computerized quotation system and method 763 1996
 
HOME ACCOUNT NETWORK, INC. (2)
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 304 1991
5,875,437 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing 637 1997
 
INTEL CORPORATION (2)
5,664,115 Interactive computer system to match buyers and sellers of real estate, businesses and other property using the internet 861 1995
2003/0083,967 Hand-held electronic checkbook 20 2001
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 448 1996
 
COMENITY LLC (1)
2003/0236,740 Interactive voice response quick credit system and associated methods 16 2002
 
P&P RESEARCH (1)
2003/0140,000 On-line credit assessment system and method 19 2003
 
NEXTCARD, LLC (3)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 399 1998
6,405,181 Method and apparatus for real time on line credit approval 316 1998
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 166 1998
 
NUANCE COMMUNICATIONS, INC. (1)
7,016,843 System method and computer program product for transferring unregistered callers to a registration process 13 2001
 
ULLESOM CONSULTING SVCS., L.L.C. (1)
6,578,761 Method for issuance of satellite credit and debit cards 34 2000
 
AUCTNYC 1 LLC (1)
5,699,527 Method and system for processing loan 247 1995
 
OMRON TATEISI ELECTRONICS CO. (1)
4,594,663 Credit transaction processing system 173 1983
 
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 812 1996
 
XATRA FUND MX, LLC (1)
6,805,287 System and method for converting a stored value card to a credit card 135 2002
 
PHOENIX LICENSING, LLC (1)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 477 1996
 
PAYPAL INTERNATIONAL LIMITED (1)
5,897,621 System and method for multi-currency transactions 227 1996
 
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (2)
5,424,938 Method and apparatus for providing access to a plurality of payment networks 268 1992
2005/0097,036 System and method for providing instant-decision, financial network-based payment cards 15 2004
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 381 1997
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 589 1986
 
CASHEDGE, INC. (1)
2002/0091,635 Method and apparatus for managing transactions 171 2001
 
AccuBalance Corporation (1)
7,044,365 Method for reconciling a financial account from a portable account register 19 2003
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (2)
6,144,948 Instant credit card marketing system for reservations for future services 355 1997
6,374,230 Method, apparatus and program for customizing credit accounts 141 1999
 
GENERAL ELECTRIC COMPANY (2)
5,696,907 System and method for performing risk and credit analysis of financial service applications 309 1995
* 2003/0078,877 Method, system, and storage medium for pre-screening customers for credit card approval at a point of sale 32 2001
 
DEALERTRACK, INC. (1)
6,208,979 Computer-driven information management system for selectively matching credit applicants with money lenders through a global communications network 162 1999
 
NEW ENGLAND LIFE INSURANCE COMPANY (1)
5,523,942 Design grid for inputting insurance and investment product information in a computer system 418 1994
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (1)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 388 1993
 
Swiss Reinsurance Company Ltd. (1)
5,732,397 Automated decision-making arrangement 212 1992
 
INTUIT INC. (1)
5,903,881 Personal online banking with integrated online statement and checkbook user interface 519 1997
 
Dell USA, L.P. (1)
6,167,383 Method and apparatus for providing customer configured machines at an internet site 439 1998
 
FAIR ISAAC CORPORATION (1)
2003/0046,223 Method and apparatus for explaining credit scores 133 2002
 
GENERAL ELECTRIC CAPITAL CORPORATION, AS AGENT (3)
7,287,008 Method and system for loan organization and underwriting 17 1999
2003/0120,586 Systems and methods to facilitate analysis of commercial credit customers 20 2001
2003/0195,840 Methods and apparatus for determining credit limit extensions for financial accounts 16 2002
 
HAYNES, CHARLES A. (1)
5,717,865 Method for assisting individuals in decision making processes 93 1995
 
TADASHI ETOH (INDIVIDUAL) (1/2 OF RIGHT) (1)
6,260,026 Credit card information management system 129 1997
 
Sigma Computer Research Associates Inc. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 402 1988
 
RPX CORPORATION (1)
5,970,483 Apparatus and methodology for submitting search queries 83 1997
 
FRANCE TELECOM (1)
6,014,646 Process for making a payment using an account manager 141 1996
 
Lazard Freres & Co. (1)
4,739,478 Methods and apparatus for restructuring debt obligations 191 1986
 
PROSECUTE (1)
2002/0026,410 Paperless online merchant account approval and provisioning system and method therefor 18 2001
 
LOANX CORPORATION (1)
5,966,699 System and method for conducting loan auction over computer network 330 1996
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
2002/0062,285 System and method for executing cash payments via a computer network 117 2001
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

  • No Forward Cites to Display

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Mar 27, 2015
7.5 Year Payment $3600.00 $1800.00 $900.00 Mar 27, 2019
11.5 Year Payment $7400.00 $3700.00 $1850.00 Mar 27, 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