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

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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, NY1971

International Classification(s)

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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
 
Other [Check patent profile for assignment information] (47)
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5,457,305 Distributed on-line money access card transaction processing system 297 1994
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D476681 Bank check 54 2002
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2003/0195,808 Managing retailer product disbursement 97 2003
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5,835,061 Method and apparatus for geographic-based communications service 390 1995
 
UNIVERSAL INTELLECTUAL PROPERTY HOLDINGS, INC. (1)
2005/0021,457 Financial account up-front incentives management system and method 170 2004
 
CARDTRONICS, INC. (1)
5,287,269 Apparatus and method for accessing events, areas and activities 415 1990
 
New View Technologies, Inc. (1)
6,032,859 Method for processing debit purchase transactions using a counter-top terminal system 231 1997
 
Value Benefits Insurance Agency, Inc. (1)
2003/0204,421 Integrated system and method for insurance products 78 2002
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
5,727,153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 351 1995
5,806,044 System and method for distributing coupons through a system of computer networks 379 1996
5,884,278 Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register 199 1997
 
NXP B.V. (1)
6,014,749 Data processing circuit with self-timed instruction execution and power regulation 86 1997
 
LYNXVALE LIMITED (1)
5,328,809 Patterning of semiconductive polymers 103 1991
 
Level Z, L.L.C. (1)
2002/0165,820 Prepaid electronic cash system with pin vending machines 90 2001
 
RENESAS ELECTRONICS CORPORATION (1)
5,664,157 Noncontact IC card interface unit and communication system using the interface unit 122 1995
 
PRONTO INTERNET SOLUTIONS, INC. (1)
6,076,068 Coupon delivery system 332 1996
 
THE RECEIVERSHIP ESTATE OF POWER3 MEDICAL PRODUCTS, INC. (1)
6,148,297 Health care information and data tracking system and method 164 1998
 
LHS TELEKOM GMBH& CO. KG (1)
2002/0091,572 Prepaid service interface system and method 98 2001
 
VICTOR COMPANY OF JAPAN, LTD. (1)
5,930,217 Optical information recording/reproducing system, optical information storage medium, and manufacturing method thereof 113 1998
 
SIGNATURE SYSTEMS LLC (1)
2005/0021,400 Method and system for using multi-function cards for storing, managing and aggregating reward points 204 2004
 
PRISM TECHNOLOGIES LLC (1)
2004/0059,952 Authentication system 112 2003
 
CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (3)
5,819,234 Toll collection system 213 1996
6,167,385 Supply chain financing system and method 212 1998
2002/0095,365 Corporate products trading marketplace 134 2001
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (1)
6,805,287 System and method for converting a stored value card to a credit card 147 2002
 
UNITED STATES OF AMERICA AS REPRESENTED BY THE ADMINISTRATOR OF THE NATIONAL AERONAUTICS AND SPACE ADMINISTRATION (1)
6,223,143 Quantitative risk assessment system (QRAS) 107 1998
 
Transilwrap Company, Inc. (1)
4,545,838 Lamination product and method employing temporary transfer film 135 1983
 
RICOH COMPANY, LTD. (1)
5,920,844 Information display method 109 1996
 
CARALINA MARKETING INTERNATIONAL, INC. (1)
6,026,370 Method and apparatus for generating purchase incentive mailing based on prior purchase history 432 1997
 
QUADNOVATION, INC. (1)
6,641,049 Integrated circuit card with multiple integral electronic modules 108 2001
 
MARSHALL PATENT HOLDINGS, LLC (2)
5,790,636 Telephone travel card system under the control of its customers 109 1994
6,295,344 Telephone travel card system under the control of its customers 49 1998
 
Pennsylvania Food Merchants Association (1)
5,581,064 Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon 200 1994
 
THE OHIO STATE UNIVERSITY (1)
6,004,681 Light-emitting devices containing network electrode polymers in electron blocking layer 101 1997
 
Semiconductor Energy Laboratory Co., Ltd. (1)
4,954,985 Ferroelectric liquid crystal data storage card 137 1988
 
OneName Corporation (1)
6,757,710 Object-based on-line transaction infrastructure 247 2002
 
NCR CORPORATION (5)
4,634,845 Portable personal terminal for use in a system for handling transactions 300 1984
4,689,478 System for handling transactions including a portable personal terminal 290 1984
5,619,558 ATM segment of one marketing method 231 1995
5,770,843 Access card for multiple accounts 358 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 540 1998
 
WEBE3, LLC, AN ARIZONA LIMITED LIABILITY COMPANY (1)
6,006,988 Non-cash media card and process of dispensing from automated teller 174 1997
 
Assured Equities, Inc. (1)
6,064,985 Automated portfolio management system with internet datafeed 286 1998
 
Privasys, Inc (1)
2003/0061,168 Method for generating customer secure card numbers 31 2001
 
AMAZON TECHNOLOGIES, INC. (1)
2006/0036,553 Automatic authorization of programmatic transactions 104 2004
 
HARTFORD LIFE INSURANCE COMPANY (1)
5,191,522 Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure 344 1990
 
ADB SYSTEM INTERNATIONAL, INC. (1)
5,890,138 Computer auction system 764 1996
 
PRIVICOM, INC. (1)
6,095,416 Method and device for preventing unauthorized use of credit cards 236 1998
 
AMAZON.COM, INC. (1)
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 618 1995
 
Executing the Numbers, Inc. (1)
6,119,097 System and method for quantification of human performance factors 117 1997
 
OL SECURITY LIMITED LIABILITY COMPANY (1)
7,104,443 Method and system for facilitating electronic funds transactions 218 2002
 
ASCENSUS INSURANCE SERVICES, INC. (1)
6,161,096 Method and apparatus for modeling and executing deferred award instrument plan 174 1998
 
BLACKHAWK NETWORK, INC. (1)
5,956,695 Filter processor and method for implementing a program 278 1997
 
Morgan Stanley Dean Witter (1)
6,092,056 Data processing system and method for financial debt instruments 350 1999
 
YT ACQUISITION CORPORATION (1)
5,805,719 Tokenless identification of individuals 453 1997
 
BANK OF AMERICA CORPORATION (3)
5,826,243 Integrated system for controlling master account and nested subaccount(s) 330 1994
6,016,482 Enhanced collateralized funding processor 334 1996
2003/0229,525 System and methods for integrated compliance monitoring 76 2002
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5,361,062 Personal security system 286 1992
 
Freddie Mac (1)
2006/0074,794 Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments 63 2004
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 103 1999
6,446,210 Method for securing communication by selecting an encoding process using a first computer based upon ability of a second computer and deleting the process thereafter 137 1999
6,434,259 Method of providing secure user access 116 1999
6,429,927 Imaging device, especially for optical fingerprinting 112 1999
6,498,861 Biometric security encryption system 130 2000
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 623 1992
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (4)
6,202,053 Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants 253 1998
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 92 2002
7,072,864 Customer activated multi-value (CAM) card 141 2003
7,051,925 System and method for funding a collective account by use of an electronic tag 109 2004
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 521 1984
 
NETVISION, INC. (1)
6,467,684 Pre-paid card system for purchasing products or services 206 1999
 
GENERAL COUNSEL'S OFFICE (1)
7,243,839 Systems, methods, and devices for selling transaction instruments 84 2005
 
Touch Technologies, Inc. (1)
5,544,086 Information consolidation within a transaction network 284 1994
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
6,105,011 Security system and method for business transactions with customers 200 1998
 
PELIKON LIMITED (1)
6,360,954 Portable cards 128 2000
 
OVERTURE SERVICES, INC (1)
6,173,267 Method for product promotion 290 1998
 
GIESECKE & DEVRIENT GMBH (1)
6,343,743 Method of checking authenticity of a data carrier 76 1998
 
THE WESTERN UNION COMPANY (4)
5,350,906 Currency transfer system and method using fixed limit cards 512 1992
7,092,916 Electronic identifier payment system and methods 83 2001
7,107,249 Electronic identifier payment systems and methods 103 2002
7,315,843 Electronic identifier payment systems and methods 56 2006
 
Assurant Solutions (1)
2006/0116,903 Systems and methods for providing insurance coverage to a customer 48 2004
 
JAL INFORMATION TECHNOLOGY CO., LTD. (1)
5,339,239 Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal 284 1990
 
NAMESAFE.COM INC. (1)
2002/0026,418 METHOD FOR PROVIDING PRE-PAID ANONYMOUS ELECTRONIC DEBIT CARD COMPATIBLE WITH EXISTING NETWORK OF CREDIT CARDS 136 1999
 
Brubaker, Randall E. (1)
6,186,793 Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own estimate of expected cost for future contingent events 129 1997
 
DEUTSCHE TELEKOM AG (1)
6,693,544 Electronic identification tag 105 2001
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 766 1995
 
GOOGLE TECHNOLOGY HOLDINGS LLC (2)
5,777,903 Solar cell powered smart card with integrated display and interface keypad 278 1996
6,265,977 Radio frequency identification tag apparatus and related method 374 2000
 
ASSA ABLOY AB (5)
5,737,421 System for controlling access to a function having clock synchronization 130 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 209 1996
5,887,065 System and method for user authentication having clock synchronization 193 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 175 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 119 2000
 
APPLE INC. (1)
6,484,148 Electronic advertising device and method of using the same 406 2000
 
Call Processing, Inc. (1)
5,511,114 Telephone pre-paid calling card system and method 336 1994
 
Starbucks Corporation (1)
2005/0077,350 Dual card 85 2004
 
True Resources, LLC (1)
2006/0047,573 Coupon and sweepstakes dispensing system and method of use 64 2005
 
MONDEX INTERNATIONAL LIMITED (1)
5,778,067 Value transfer system 306 1996
 
Kapsch TrafficCom AB (1)
6,109,525 Method and device for registering vehicles in a road toll facility 147 1998
 
KABUSHIKI KAISHA TOSHIBA (3)
5,055,662 Portable information record medium having liquid crystal and photoconductive layers 184 1989
5,710,458 Card like semiconductor device 172 1995
5,815,658 Portable terminal apparatus for IC card compatible with a plurality of applications 148 1997
 
INTER*ACT SYSTEMS, INC. (4)
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 566 1993
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 452 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 346 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 407 1994
 
RAYTHEON BBN TECHNOLOGIES CORP. (1)
6,366,220 RF tag based system and method for drive-through applications 114 2000
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (10)
5,717,925 Information catalog system with object-dependent functionality 313 1996
5,798,950 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
6,029,144 Compliance-to-policy detection method and system 216 1997
2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 45 1998
6,278,981 Computer-implemented method and apparatus for portfolio compression 269 1998
6,567,786 System and method for increasing the effectiveness of customer contact strategies 146 1999
6,671,673 Method for integrated supply chain and financial management 206 2000
2003/0154,125 Pesonalisation of promotional offers 91 2001
6,641,050 Secure credit card 196 2001
2006/0106,696 Account transfer using a single financial account 51 2004
 
WYNN, SOL H. (1)
5,859,419 Programmable multiple company credit card system 456 1995
 
INVESTORS GUARANTY FUND, LTD. (1)
5,742,775 Method and apparatus of creating financial instrument and administering an adjustable rate loan system 283 1995
 
Electronic Warfare Associates, Inc. (1)
5,185,697 Apparatus and method for managing crisis situations 82 1989
 
AT&T IPM CORP. (2)
5,479,494 Virtual calling card system 282 1992
5,708,422 Transaction authorization and alert system 499 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1043 1995
 
Bostec Systems, Inc. (1)
5,080,748 Card assembly apparatus 176 1990
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 296 1998
6,068,183 Chip card system 206 1998
5,931,764 Wearable device with flexible display 202 1998
6,402,039 Flexible chip card with display 180 1999
6,450,407 Chip card rebate system 411 2000
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 643 1991
 
INVESTPIC, LLC (1)
6,349,291 Method and system for analysis, display and dissemination of financial information using resampled statistical methods 152 2000
 
International Card Technology (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 221 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 180 1997
6,138,917 Multiple magnetic stripe transaction cards and systems for the utilization thereof 191 1998
 
FUJITSU LIMITED (5)
6,003,762 Transaction terminal for an electronic cashless system 262 1994
6,129,274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 422 1998
2003/0163,416 Transaction information management system, transcaction information anonymizing server, and transaction information management method 91 2002
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 89 2004
2005/0119,979 Transaction system and transaction terminal equipment 59 2004
 
PreViser Corporation (1)
6,484,144 Method and system for healthcare treatment planning and assessment 153 1999
 
U.S. BANCORP LICENSING, INC. (1)
2002/0111,916 Payment management 98 2001
 
FIRST DATA CORPORATION (1)
6,978,369 Person-centric account-based digital signature system 101 2001
 
BOWIE, STUART S. (1)
6,195,644 Computer program and system for credit card companies for recording and processing bonus credits issued to card users 184 1999
 
HOME ACCOUNT NETWORK, INC. (8)
4,953,085 System for the operation of a financial account 485 1987
5,911,135 System for managing financial accounts by a priority allocation of funds among accounts 312 1991
5,864,828 Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation 260 1991
5,884,285 System for managing financial accounts by reallocating funds among accounts 292 1992
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 544 1994
5,644,727 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 643 1994
5,911,136 System for prioritized operation of a personal financial account comprising liabilities and investment assets 308 1997
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 661 1997
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 464 1996
 
Xtreme Traffic Builders, Inc. (1)
6,557,750 Promotional mailing device 56 2002
 
CASIO COMPUTER CO., LTD. (1)
4,754,418 Combined electronic calculator and credit card 136 1985
 
GENWORTH HOLDINGS, INC. (1)
6,912,502 System and method for compliance management 103 1999
 
Creative Games International, Inc. (1)
6,134,309 Pre-paid phone card system with promotional link 110 1997
 
Coupco, Inc. (1)
RE34915 Paperless system for distributing, redeeming and clearing merchandise coupons 340 1991
 
JP MORGAN CHASE (1)
2005/0027,649 Event typer 91 2004
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 117 1996
5,770,849 Smart card device with pager and visual image display 159 1996
5,734,154 Smart card with Iintegrated reader and visual image display 240 1996
5,789,733 Smart card with contactless optical interface 311 1996
 
Brady Worldwide, Inc. (5)
D466929 Security pass 65 2002
D467271 Security pass 63 2002
D467272 Security pass 61 2002
D474235 Security pass 83 2002
D477359 Security pass 74 2002
 
Marflex International Inc. (1)
5,503,891 Flexible magnet attractant display mat 79 1994
 
Phoenix Licensing, LLC (5)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 488 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 336 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 163 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 131 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 125 2003
 
Buckhorn, Inc. (1)
4,923,288 Optical modulators based on polymers 112 1988
 
Paypal International Limited (2)
5,897,621 System and method for multi-currency transactions 233 1996
6,295,522 Stored-value card value acquisition method and apparatus 217 1997
 
SAS INSTITUTE INC. (1)
2004/0093,296 Marketing optimization system 144 2003
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 336 1993
 
JPMORGAN CHASE BANK, N.A. (14)
6,227,447 Cardless payment system 430 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 149 1999
7,392,224 System and method of operating a debit card reward program 106 1999
7,113,914 Method and system for managing risks 67 2000
6,631,849 Selectable multi-purpose card 459 2000
7,295,999 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 360 2001
2003/0033,246 Sponsor funded stored value card 102 2002
7,165,049 Sponsor funded stored value card 106 2002
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 270 2003
2004/0128,186 System and method for managing risks associated with outside service providers 94 2003
7,392,222 System and method for providing promotional pricing 109 2004
2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 84 2007
 
MICROSOFT TECHNOLOGY LICENSING, LLC (4)
5,852,812 Billing system for a network 581 1995
5,721,781 Authentication system and method for smart card transactions 657 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 707 1997
2001/0037,315 System and method for secure distribution of information via eMail 109 2000
 
DEFAULT PROFF CREDIT CARD SYSTEM, INC. (1)
6,405,182 System for dispensing prepaid debit cards through point-of-sale terminals 200 2000
 
The Chubb Corporation (1)
4,831,526 Computerized insurance premium quote request and policy issuance system 597 1986
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 424 1996
 
GENERAL ELECTRIC COMPANY (4)
5,696,907 System and method for performing risk and credit analysis of financial service applications 322 1995
5,991,743 System and method for proactively monitoring risk exposure 148 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 164 1998
6,675,127 Computerized systems and methods for managing project issues and risks 95 2001
 
VERIZON PATENT AND LICENSING INC. (3)
5,765,138 Apparatus and method for providing interactive evaluation of potential vendors 238 1995
5,621,787 Prepaid cash card 309 1995
2002/0046,255 System and method for providing prepaid services via an internet protocol network system 99 2001
 
SWISS REINSURANCE COMPANY LTD. (1)
2006/0026,092 Method and system for securitizing mortality risk 48 2004
 
FAIR ISAAC CORPORATION (1)
6,330,546 Risk determination and management using predictive modeling and transaction profiles for individual transacting entities 384 1998
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (5)
5,483,445 Automated billing consolidation system and method 430 1993
5,684,291 Refundable prepaid telephone card 153 1995
6,115,458 Method and apparatus for summaries of prepaid instrument transaction activity 264 1995
6,345,766 Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired 114 1995
5,988,509 Refundable prepaid telephone card 162 1997
 
IBGC CORPORATION (2)
2004/0098,351 Interest bearing gift card and related methods and systems 127 2002
2004/0243,498 Interest bearing gift card mechanisms 95 2004
 
ALTERNATIVE SYSTEMS, INC. (1)
5,726,884 Integrated hazardous substance tracking and compliance 197 1994
 
GENERAL ELECTRIC CAPITAL CORPORATION, AS AGENT (3)
6,856,973 Methods and systems for assessing creditworthiness of a country 86 1999
6,970,830 Methods and systems for analyzing marketing campaigns 144 1999
7,392,221 Methods and systems for identifying early terminating loan customers 41 2001
 
National Britannia Group Ltd. (1)
2002/0099,586 Method, system, and computer program product for risk assessment and risk management 74 2001
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 332 2000
 
ACCESS CONTROL ADVANTAGE, INC. (1)
2006/0224,480 Systems and methods for loan management with variable security arrangements 88 2005
 
MITSUBISHI UFJ NICOS CO., LTD. (1)
5,777,306 Credit card system and method of using credit card with such credit card system 142 1996
 
TGIP, INC. (1)
5,577,109 Pre-paid card system and method 497 1995
 
CoreLogic Solutions, LLC (1)
2006/0122,918 Method and apparatus for testing automated valuation models 49 2004
 
TELETOUCH COMMUNICATIONS, INC. (2)
7,252,223 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 77 2005
2005/0269,396 Multiple-network system and method for loading, transferring and redeeming value through stored value accounts 48 2005
 
FRANCE TELECOM (1)
5,991,413 Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial number 235 1997
 
C-SAM, INC. (2)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 791 1994
5,884,271 Device, system and methods of conducting paperless transactions 550 1996
 
MEGA GROUP INTERNATIONAL, LTD. (1)
6,163,770 Computer apparatus and method for generating documentation using a computed value for a claims cost affected by at least one concurrent, different insurance policy for the same insured 258 1998
 
AT&T CORP. (4)
6,192,113 Method and apparatus for phone card billing 59 1995
5,675,607 Method and apparatus for facilitating the making of card calls 120 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 188 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 115 1998
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
ORANGE (2)
* 8,422,652 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 3 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