US Patent No: 8,095,459 - Analytics, PDF, Full Text and PAIR Access

Number of patents in Portfolio can not be more than 2000

Method and system for providing flexible financing

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, NY2401

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Noles, Michael K - 3 30

Cited Art Landscape

Patent Info (Count) # Cites Year
 
CITIBANK, N.A. (15)
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5,455,407 Electronic-monetary system 407 1995
5,799,087 Electronic-monetary system 231 1995
5,710,889 Interface device for electronically integrating global financial services 657 1995
5,890,140 System for communicating with an electronic delivery system that integrates global financial services 327 1995
6,058,378 Electronic delivery system and method for integrating global financial services 307 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 278 1996
5,920,629 Electronic-monetary system 300 1997
5,953,423 Electronic-monetary system 168 1997
5,963,648 Electronic-monetary system 226 1997
6,047,067 Electronic-monetary system 266 1997
6,895,386 Stock credit card 74 1998
6,098,053 System and method for performing an electronic financial transaction 463 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 158 1999
7,092,905 Systems and methods for the processing of financial transactions 69 2001
 
JPMORGAN CHASE BANK, N.A. (14)
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6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 131 1999
7,392,224 System and method of operating a debit card reward program 88 1999
7,113,914 Method and system for managing risks 64 2000
6,631,849 Selectable multi-purpose card 371 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 53 2000
2001/0034,682 International banking system and method 126 2001
2002/0077,978 Method and system for processing internet payments 313 2001
2003/0033,246 Sponsor funded stored value card 96 2002
7,165,049 Sponsor funded stored value card 98 2002
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 221 2003
2004/0128,186 System and method for managing risks associated with outside service providers 83 2003
7,392,222 System and method for providing promotional pricing 99 2004
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VISA INTERNATIONAL SERVICE ASSOCIATION (14)
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4,870,259 Transaction approval system 114 1989
4,908,521 Transaction approval system 118 1989
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5,177,342 Transaction approval system 269 1990
RE36365 Method and apparatus for distributing currency 264 1996
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2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 41 1998
6,278,981 Computer-implemented method and apparatus for portfolio compression 251 1998
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6,671,673 Method for integrated supply chain and financial management 200 2000
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STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (8)
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5,988,509 Refundable prepaid telephone card 157 1997
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CATALINA MARKETING CORPORATION (7)
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5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 726 1995
6,260,758 Promotional financial transaction machine method 68 1998
6,336,099 Method and system for electronic distribution of product redemption coupons 223 1998
 
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2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 128 2001
 
CHESS VENTURES LLC (6)
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2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 56 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 56 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 56 2001
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ACS State & Local Solutions, Inc. (5)
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7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 72 2002
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 98 1999
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6,434,259 Method of providing secure user access 108 1999
6,429,927 Imaging device, especially for optical fingerprinting 102 1999
6,498,861 Biometric security encryption system 108 2000
 
ASSA ABLOY AB (5)
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BRADY WORLDWIDE, INC. (5)
D466929 Security pass 62 2002
D467271 Security pass 60 2002
D467272 Security pass 58 2002
D474235 Security pass 80 2002
D477359 Security pass 71 2002
 
FUJITSU LIMITED (5)
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2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 83 2004
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III HOLDINGS 1, LLC (5)
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2001/0054,003 System and method for using loyalty points 318 2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 62 2002
2005/0021,353 DONATION SYSTEM AND METHOD 55 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 132 2004
 
NCR CORPORATION (5)
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5,770,843 Access card for multiple accounts 324 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 492 1998
 
PHOENIX LICENSING, LLC (5)
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6,076,072 Method and apparatus for preparing client communications involving financial products and services 314 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 148 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 124 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 120 2003
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 270 1998
6,068,183 Chip card system 189 1998
5,931,764 Wearable device with flexible display 180 1998
6,402,039 Flexible chip card with display 171 1999
6,450,407 Chip card rebate system 331 2000
 
AT&T CORP. (4)
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5,675,607 Method and apparatus for facilitating the making of card calls 111 1995
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FREESCALE SEMICONDUCTOR, INC. (4)
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5,734,154 Smart card with Iintegrated reader and visual image display 153 1996
5,789,733 Smart card with contactless optical interface 280 1996
 
GENERAL ELECTRIC COMPANY (4)
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5,991,743 System and method for proactively monitoring risk exposure 139 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 150 1998
6,675,127 Computerized systems and methods for managing project issues and risks 86 2001
 
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5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 316 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 367 1994
 
MICROSOFT CORPORATION (4)
5,852,812 Billing system for a network 536 1995
5,721,781 Authentication system and method for smart card transactions 561 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 642 1997
2001/0037,315 System and method for secure distribution of information via eMail 95 2000
 
THE WESTERN UNION COMPANY (4)
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7,092,916 Electronic identifier payment system and methods 73 2001
7,107,249 Electronic identifier payment systems and methods 88 2002
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BANK OF AMERICA CORPORATION (3)
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6,016,482 Enhanced collateralized funding processor 314 1996
2003/0229,525 System and methods for integrated compliance monitoring 65 2002
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (3)
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 83 2002
7,072,864 Customer activated multi-value (CAM) card 119 2003
7,051,925 System and method for funding a collective account by use of an electronic tag 101 2004
 
CAPITAL ONE FINANCIAL CORPORATION (3)
5,933,817 Tiered interest rate revolving credit system and method 232 1996
2002/0156,723 System and method for providing extra lines of credit 93 2001
2003/0074,290 Methods, systems and articles of manufacture for managing delinquent financial accounts 58 2002
 
CHASE MANHATAN BANK USA, N.A. (3)
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6,865,547 Customer activated multi-value (CAM) card 138 2000
 
CHASE MANHATTAN BANK, THE (3)
5,819,234 Toll collection system 194 1996
6,167,385 Supply chain financing system and method 187 1998
2002/0095,365 Corporate products trading marketplace 123 2001
 
GENERAL ELECTRIC CAPITAL CORPORATION (3)
6,856,973 Methods and systems for assessing creditworthiness of a country 79 1999
6,970,830 Methods and systems for analyzing marketing campaigns 128 1999
7,392,221 Methods and systems for identifying early terminating loan customers 36 2001
 
International Card Technology (3)
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KABUSHIKI KAISHA TOSHIBA (3)
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LUCENT TECHNOLOGIES INC. (3)
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MITSUBISHI DENKI KABUSHIKI KAISHA (3)
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UNWIRED PLANET, LLC (3)
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AT&T IPM CORP. (2)
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2002/0019,793 Method and system for implementing a combined investment 69 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 116 2001
D468789 Wheeled body board 40 2001
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2002/0174,016 Multiple accounts and purposes card method and system 170 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 92 2002
D476681 Bank check 51 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 98 2002
D485573 Combined business card with bar code, laser punched holes and radio frequency IC 61 2003
2003/0195,808 Managing retailer product disbursement 86 2003
D495736 Postcard form for maintaining privacy of information contained thereon 53 2003
2004/0024,672 Customer activated multi-value (CAM) card 101 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 93 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 185 2004
2006/0131,869 Methods for use in alerting others that animals are in need of care 40 2005
D551705 Magnetic, sandwich-type bookmark 61 2006

Patent Citation Ranking

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Patent Info (Count) # Cites Year
 
ORANGE (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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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
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