Method and system for providing flexible financing

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8095459
APP PUB NO 20100114779A1
SERIAL NO

12686498

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

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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, NATIONAL ASSOCIATIONNEW YORK, NY1968

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Noles, Michael K West Chester, US 2 33

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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5826243 Integrated system for controlling master account and nested subaccount(s) 336 1994
6016482 Enhanced collateralized funding processor 341 1996
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6373969 Corrective optical component 103 1999
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PALM, INC. (1)
5276311 Method and device for simplifying the use of a plurality of credit cards, or the like 655 1992
 
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6202053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 287 1998
6745938 System and methods for card payment instrument with rebate applied to an insurance premium 104 2002
7072864 Customer activated multi-value (CAM) card 146 2003
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6693544 Electronic identification tag 105 2001
 
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ASSA ABLOY AB (5)
5737421 System for controlling access to a function having clock synchronization 131 1996
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2005/0077,350 Dual card 89 2004
 
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6109525 Method and device for registering vehicles in a road toll facility 151 1998
 
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5621812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 586 1993
5638457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 474 1994
5675662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 356 1994
5592560 Method and system for building a database and performing marketing based upon prior shopping history 441 1994
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6366220 RF tag based system and method for drive-through applications 120 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (10)
5717925 Information catalog system with object-dependent functionality 319 1996
5798950 Method and apparatus for estimating durations of activities in forming a current system, based on past durations of activities in forming past systems 71 1996
6029144 Compliance-to-policy detection method and system 225 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 45 1998
6278981 Computer-implemented method and apparatus for portfolio compression 270 1998
6567786 System and method for increasing the effectiveness of customer contact strategies 149 1999
6671673 Method for integrated supply chain and financial management 207 2000
2003/0154,125 Pesonalisation of promotional offers 91 2001
6641050 Secure credit card 200 2001
2006/0106,696 Account transfer using a single financial account 51 2004
 
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AT&T IPM CORP. (2)
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CHECKFREE CORPORATION (1)
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INVESTPIC, LLC (1)
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5852811 Method for managing financial accounts by a preferred allocation of funds among accounts 555 1994
5644727 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 687 1994
5911136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 310 1997
5875437 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 696 1997
 
BLOCK FINANCIAL LLC (1)
6014645 Real-time financial card application system 495 1996
 
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5728998 Secure smart card reader with virtual image display and pull-down options 117 1996
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BRADY WORLDWIDE, INC. (5)
D466929 Security pass 65 2002
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Marflex International Inc. (1)
5503891 Flexible magnet attractant display mat 91 1994
 
Phoenix Licensing, LLC (5)
5987434 Apparatus and method for transacting marketing and sales of financial products 506 1996
6076072 Method and apparatus for preparing client communications involving financial products and services 343 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 169 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 132 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 125 2003
 
PAYPAL INTERNATIONAL LIMITED (2)
5897621 System and method for multi-currency transactions 236 1996
6295522 Stored-value card value acquisition method and apparatus 221 1997
 
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2004/0093,296 Marketing optimization system 146 2003
 
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5311594 Fraud protection for card transactions 343 1993
 
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (14)
6227447 Cardless payment system 458 1999
6505168 System and method for gathering and standardizing customer purchase information for target marketing 167 1999
7392224 System and method of operating a debit card reward program 125 1999
7113914 Method and system for managing risks 67 2000
6631849 Selectable multi-purpose card 482 2000
7295999 System and method for determining eligibility and enrolling members in various programs 56 2000
2001/0034,682 International banking system and method 133 2001
2002/0077,978 Method and system for processing internet payments 389 2001
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7165049 Sponsor funded stored value card 107 2002
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MICROSOFT TECHNOLOGY LICENSING, LLC (4)
5852812 Billing system for a network 593 1995
5721781 Authentication system and method for smart card transactions 679 1995
5883810 Electronic online commerce card with transactionproxy number for online transactions 741 1997
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5696907 System and method for performing risk and credit analysis of financial service applications 342 1995
5991743 System and method for proactively monitoring risk exposure 148 1997
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VERIZON PATENT AND LICENSING INC. (3)
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6330546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 423 1998
 
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5483445 Automated billing consolidation system and method 433 1993
5684291 Refundable prepaid telephone card 154 1995
6115458 Method and apparatus for summaries of prepaid instrument transaction activity 268 1995
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IBGC Corporation (2)
2004/0098,351 Interest bearing gift card and related methods and systems 129 2002
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2002/0099,586 Method, system, and computer program product for risk assessment and risk management 76 2001
 
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FRANCE TELECOM (1)
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C-SAM, INC. (2)
5590038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 866 1994
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MEGA GROUP INTERNATIONAL, LTD. (1)
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AT&T CORP. (4)
6192113 Method and apparatus for phone card billing 59 1995
5675607 Method and apparatus for facilitating the making of card calls 120 1995
5864609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 189 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 117 1998
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
ORANGE (2)
* 8422652 Device and method for managing communication credits associated to use of services by a terminal 0 2006
* 2009/0092,238 Device and Method for Managing Communication Credits Associated to Use of Services by a Terminal 6 2006
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Jul 10, 2019
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jul 10, 2023
Fee Large entity fee small entity fee micro entity fee
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