US Patent No: 8,095,459

Number of patents in Portfolio can not be more than 2000

Method and system for providing flexible financing

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ALSO PUBLISHED AS: 20100114779
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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Methods and systems for providing flexible financing are disclosed. In one embodiment, the present invention relates to a business card product with a customer activated credit line extension for accommodating large ticket purchases where the credit line extension may be linked to other business loan/lease products so that balances may be transferred to a customer's preferred financing product (or products). The purchases may be considered secured or unsecured loans/leases that may be capitalized as well as appreciate and depreciate in value. The purchases may include various types of revenue producing property, such as computer, office equipment, office furniture, copiers, farm equipment, and other types of revenue producing property.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY2038

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Noles, Michael K - 3 26

Cited Art Landscape

Patent Info (Count) # Cites Year
 
CITIBANK, N.A. (15)
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5,455,407 Electronic-monetary system 389 1995
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2001/0034,682 International banking system and method 121 2001
2003/0033,246 Sponsor funded stored value card 85 2002
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CATALINA MARKETING CORPORATION (7)
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ASSA ABLOY AB (5)
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NCR CORPORATION (5)
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PHOENIX LICENSING, LLC (5)
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SAMSUNG DISPLAY CO., LTD. (5)
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6,450,407 Chip card rebate system 299 2000
 
AT&T CORP. (4)
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CHASE MANHATTAN BANK, THE (4)
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6,167,385 Supply chain financing system and method 173 1998
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FREESCALE SEMICONDUCTOR, INC. (4)
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GENERAL ELECTRIC COMPANY (4)
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MICROSOFT CORPORATION (4)
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THE WESTERN UNION COMPANY (4)
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BANK ONE, DELAWARE, NATIONAL ASSOCIATION (3)
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CAPITAL ONE FINANCIAL CORPORATION (3)
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6,970,830 Methods and systems for analyzing marketing campaigns 119 1999
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Other [Check patent profile for assignment information] (46)
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4,941,090 Centralized consumer cash value accumulation system for multiple merchants 310 1989
5,206,803 System for enhanced management of pension-backed credit 262 1991
5,297,026 System for promoting account activity 286 1992
5,359,183 Payment card with display 164 1992
5,326,959 Automated customer initiated entry remittance processing system 355 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 444 1992
5,457,305 Distributed on-line money access card transaction processing system 236 1994
5,477,040 Structure for a method of facilitating charge transactions 232 1994
5,745,706 Computer system and related equipment for spending and investment account management 207 1994
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5,953,710 Children's credit or debit card system 544 1996
5,984,180 Method and system for gift credit card 186 1997
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6,078,891 Method and system for collecting and processing marketing data 233 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 247 1999
6,145,741 Universal pre-paid gasoline and travel card 118 1999
6,385,591 Method and system for electronic organization of coupons 237 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 261 1999
6,868,426 Virtual document organizer system and method 114 2000
6,561,657 Credit card pocket mirror and miniature billboard 69 2000
6,609,111 Method and apparatus for modeling and executing deferred award instrument plan 84 2000
2002/0116,330 Wireless communicating credit card 100 2001
2002/0143,703 Internet cash card 77 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 163 2001
6,481,125 Combination postcard and peel-off sticker 49 2001
2002/0032,609 Calendar transaction manager agent, systems and methods 64 2001
2002/0019,793 Method and system for implementing a combined investment 64 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 111 2001
D468789 Wheeled body board 37 2001
2002/0065,720 Online promotion redemption control 43 2001
2002/0194,081 Internet-based consumer service brand marketing communication system which enables service-providers, retailers, and their respective agents and consumers to carry out service-related functions along the demand side of the retail chain in an integrated manner 124 2002
2002/0120,627 Virtual document organizer system and method 85 2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations 64 2002
2002/0174,016 Multiple accounts and purposes card method and system 159 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 87 2002
D476681 Bank check 47 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 89 2002
D485573 Combined business card with bar code, laser punched holes and radio frequency IC 57 2003
2003/0195,808 Managing retailer product disbursement 82 2003
D495736 Postcard form for maintaining privacy of information contained thereon 49 2003
2004/0024,672 Customer activated multi-value (CAM) card 96 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 82 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 175 2004
2006/0131,869 Methods for use in alerting others that animals are in need of care 37 2005
D551705 Magnetic, sandwich-type bookmark 56 2006

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
FRANCE TELECOM (1)
8,422,652 Device and method for managing communication credits associated to use of services by a terminal 0 2006

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