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, NY2386

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Noles, Michael K - 3 33

Cited Art Landscape

Patent Info (Count) # Cites Year
 
CITIBANK, N.A. (15)
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5,455,407 Electronic-monetary system 414 1995
5,799,087 Electronic-monetary system 237 1995
5,710,889 Interface device for electronically integrating global financial services 676 1995
5,890,140 System for communicating with an electronic delivery system that integrates global financial services 332 1995
6,058,378 Electronic delivery system and method for integrating global financial services 314 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 284 1996
5,920,629 Electronic-monetary system 310 1997
5,953,423 Electronic-monetary system 171 1997
5,963,648 Electronic-monetary system 232 1997
6,047,067 Electronic-monetary system 274 1997
6,895,386 Stock credit card 80 1998
6,098,053 System and method for performing an electronic financial transaction 471 1999
6,601,761 Method and system for co-branding an electronic payment platform such as an electronic wallet 164 1999
7,092,905 Systems and methods for the processing of financial transactions 71 2001
 
JPMORGAN CHASE BANK, N.A. (14)
6,227,447 Cardless payment system 400 1999
6,505,168 System and method for gathering and standardizing customer purchase information for target marketing 135 1999
7,392,224 System and method of operating a debit card reward program 94 1999
7,113,914 Method and system for managing risks 65 2000
6,631,849 Selectable multi-purpose card 387 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 54 2000
2001/0034,682 International banking system and method 129 2001
2002/0077,978 Method and system for processing internet payments 328 2001
2003/0033,246 Sponsor funded stored value card 99 2002
7,165,049 Sponsor funded stored value card 101 2002
2003/0140,004 Method and system for processing internet payments using the electronic funds transfer network 236 2003
2004/0128,186 System and method for managing risks associated with outside service providers 85 2003
7,392,222 System and method for providing promotional pricing 101 2004
2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 71 2007
 
VISA INTERNATIONAL SERVICE ASSOCIATION (14)
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4,906,826 Usage promotion method for payment card transaction system 141 1988
4,870,259 Transaction approval system 117 1989
4,908,521 Transaction approval system 121 1989
4,943,707 Transaction approval system 157 1989
5,177,342 Transaction approval system 273 1990
RE36365 Method and apparatus for distributing currency 270 1996
5,920,847 Electronic bill pay system 695 1996
6,119,103 Financial risk prediction systems and methods therefor 422 1997
5,963,925 Electronic statement presentment system 427 1997
RE37122 Method and apparatus for distributing currency 215 1998
6,298,336 Card activation at point of distribution 227 1998
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INTERNATIONAL BUSINESS MACHINES CORPORATION (11)
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2001/0011,227 METHOD AND APPARATUS FOR COLLECTING INFORMATION ASSOCIATED WITH MOVEMENT BETWEEN LOCATIONS 43 1998
6,278,981 Computer-implemented method and apparatus for portfolio compression 255 1998
6,675,149 Information technology project assessment method, system and program product 75 1999
6,567,786 System and method for increasing the effectiveness of customer contact strategies 137 1999
6,671,673 Method for integrated supply chain and financial management 203 2000
2003/0154,125 Pesonalisation of promotional offers 87 2001
6,641,050 Secure credit card 173 2001
2006/0106,696 Account transfer using a single financial account 48 2004
 
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STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (8)
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5,988,509 Refundable prepaid telephone card 159 1997
6,038,292 Methods and apparatus for language registration of prepaid, remote entry customer account 149 1997
5,923,734 Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia 172 1997
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (7)
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5,672,678 Semiconductive copolymers for use in luminescent devices 129 1995
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CATALINA MARKETING CORPORATION (7)
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5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 542 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 748 1995
6,260,758 Promotional financial transaction machine method 69 1998
6,336,099 Method and system for electronic distribution of product redemption coupons 234 1998
 
MASTERCARD INTERNATIONAL INCORPORATED (7)
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5,692,132 System and method for conducting cashless transactions on a computer network 528 1995
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6,473,500 System and method for using a prepaid card 447 1998
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 136 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 61 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 61 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 61 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 61 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 61 2001
 
PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA (6)
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
2003/0193,657 Range finder device and camera 4 2003
 
ACS State & Local Solutions, Inc. (5)
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6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 79 1998
7,225,155 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 78 1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 75 2002
 
ACTIVCARD IRELAND LIMITED (5)
6,373,969 Corrective optical component 100 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 129 1999
6,434,259 Method of providing secure user access 111 1999
6,429,927 Imaging device, especially for optical fingerprinting 106 1999
6,498,861 Biometric security encryption system 111 2000
 
ASSA ABLOY AB (5)
5,737,421 System for controlling access to a function having clock synchronization 122 1996
5,802,176 System for controlling access to a function, using a plurality of dynamic encryption variables 198 1996
5,887,065 System and method for user authentication having clock synchronization 175 1997
5,937,068 System and method for user authentication employing dynamic encryption variables 163 1997
6,308,268 Portable electronic device for safe communication system, and method for initializing its parameters 113 2000
 
BRADY WORLDWIDE, INC. (5)
D466929 Security pass 63 2002
D467271 Security pass 61 2002
D467272 Security pass 59 2002
D474235 Security pass 81 2002
D477359 Security pass 72 2002
 
FUJITSU LIMITED (5)
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2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 86 2004
2005/0119,979 Transaction system and transaction terminal equipment 55 2004
 
III HOLDINGS 1, LLC (5)
6,581,839 Transaction card 188 2000
2001/0054,003 System and method for using loyalty points 334 2001
2002/0138,418 Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account 64 2002
2005/0021,353 DONATION SYSTEM AND METHOD 57 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 141 2004
 
NCR CORPORATION (5)
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4,689,478 System for handling transactions including a portable personal terminal 271 1984
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5,770,843 Access card for multiple accounts 335 1996
6,029,139 Method and apparatus for optimizing promotional sale of products based upon historical data 504 1998
 
PHOENIX LICENSING, LLC (5)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 458 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 321 1997
2003/0216,965 System, method, and computer program product for selecting and presenting financial products and services 151 2003
2004/0039,588 System, method, and computer program product for selecting and presenting financial products and services 126 2003
2004/0030,626 System, method, and computer program product for selecting and presenting financial products and services 123 2003
 
SAMSUNG DISPLAY CO., LTD. (5)
6,019,284 Flexible chip card with display 274 1998
6,068,183 Chip card system 197 1998
5,931,764 Wearable device with flexible display 183 1998
6,402,039 Flexible chip card with display 173 1999
6,450,407 Chip card rebate system 352 2000
 
AT&T CORP. (4)
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5,675,607 Method and apparatus for facilitating the making of card calls 115 1995
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 181 1995
2001/0044,293 SYSTEM AND METHOD FOR GLOBAL REAL-TIME ACCOUNT TRACKING 109 1998
 
FREESCALE SEMICONDUCTOR, INC. (4)
5,728,998 Secure smart card reader with virtual image display and pull-down options 113 1996
5,770,849 Smart card device with pager and visual image display 152 1996
5,734,154 Smart card with Iintegrated reader and visual image display 166 1996
5,789,733 Smart card with contactless optical interface 285 1996
 
GENERAL ELECTRIC COMPANY (4)
5,696,907 System and method for performing risk and credit analysis of financial service applications 289 1995
5,991,743 System and method for proactively monitoring risk exposure 142 1997
6,182,048 System and method for automated risk-based pricing of a vehicle warranty insurance policy 154 1998
6,675,127 Computerized systems and methods for managing project issues and risks 88 2001
 
INTER*ACT SYSTEMS, INCORPORATED (4)
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 540 1993
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 428 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 329 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 379 1994
 
MICROSOFT CORPORATION (4)
5,852,812 Billing system for a network 545 1995
5,721,781 Authentication system and method for smart card transactions 581 1995
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 659 1997
2001/0037,315 System and method for secure distribution of information via eMail 99 2000
 
THE WESTERN UNION COMPANY (4)
5,350,906 Currency transfer system and method using fixed limit cards 472 1992
7,092,916 Electronic identifier payment system and methods 77 2001
7,107,249 Electronic identifier payment systems and methods 94 2002
7,315,843 Electronic identifier payment systems and methods 54 2006
 
BANK OF AMERICA CORPORATION (3)
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6,016,482 Enhanced collateralized funding processor 319 1996
2003/0229,525 System and methods for integrated compliance monitoring 69 2002
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (3)
6,745,938 System and methods for card payment instrument with rebate applied to an insurance premium 85 2002
7,072,864 Customer activated multi-value (CAM) card 125 2003
7,051,925 System and method for funding a collective account by use of an electronic tag 103 2004
 
CAPITAL ONE FINANCIAL CORPORATION (3)
5,933,817 Tiered interest rate revolving credit system and method 239 1996
2002/0156,723 System and method for providing extra lines of credit 96 2001
2003/0074,290 Methods, systems and articles of manufacture for managing delinquent financial accounts 59 2002
 
CHASE MANHATAN BANK USA, N.A. (3)
6,615,189 Debit purchasing of stored value card for use by and/or delivery to others 170 1998
6,615,190 Sponsor funded stored value card 216 2000
6,865,547 Customer activated multi-value (CAM) card 146 2000
 
CHASE MANHATTAN BANK, THE (3)
5,819,234 Toll collection system 199 1996
6,167,385 Supply chain financing system and method 195 1998
2002/0095,365 Corporate products trading marketplace 129 2001
 
GENERAL ELECTRIC CAPITAL CORPORATION (3)
6,856,973 Methods and systems for assessing creditworthiness of a country 81 1999
6,970,830 Methods and systems for analyzing marketing campaigns 133 1999
7,392,221 Methods and systems for identifying early terminating loan customers 37 2001
 
International Card Technology (3)
5,883,377 Multiple magnetic stripe transaction cards and systems for the utilization thereof 208 1995
5,984,191 Multiple magnetic stripe transaction cards and systems for the utilization thereof 172 1997
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KABUSHIKI KAISHA TOSHIBA (3)
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LUCENT TECHNOLOGIES INC. (3)
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5,608,785 Method and apparatus for telephone prize opportunities 154 1993
5,649,118 Smart card with multiple charge accounts and product item tables designating the account to debit 494 1994
 
MITSUBISHI DENKI KABUSHIKI KAISHA (3)
4,928,001 Secret information preserving system for a multiple issuer IC card 173 1988
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OKI ELECTRIC INDUSTRY CO., LTD. (3)
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STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (3)
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VERIZON PATENT AND LICENSING INC. (3)
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WALKER DIGITAL, LLC (3)
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ALEXSAM, INC. (2)
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AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (2)
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AT&T IPM CORP. (2)
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C-SAM, INC. (2)
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DECISIONING.COM, INC. (2)
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INFORMATION RETRIEVAL ACQUISITION, LLC (2)
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PRICELINE.COM LLC (2)
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Other [Check patent profile for assignment information] (46)
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5,477,040 Structure for a method of facilitating charge transactions 245 1994
5,745,706 Computer system and related equipment for spending and investment account management 218 1994
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6,078,891 Method and system for collecting and processing marketing data 258 1997
6,422,462 Apparatus and methods for improved credit cards and credit card transactions 281 1999
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6,385,591 Method and system for electronic organization of coupons 272 1999
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2002/0143,703 Internet cash card 85 2001
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2002/0032,609 Calendar transaction manager agent, systems and methods 70 2001
2002/0019,793 Method and system for implementing a combined investment 70 2001
2003/0046,249 Prepaid card terminal and method for implementing prepaid cards 122 2001
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2002/0120,627 Virtual document organizer system and method 95 2002
2002/0120,642 System and method for assisting an organization to implement and maintain compliance with various obligations 71 2002
2002/0174,016 Multiple accounts and purposes card method and system 175 2002
2002/0116,271 Electronic delivery of coupons to personal digital assistants 95 2002
D476681 Bank check 52 2002
2003/0028,518 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 103 2002
D485573 Combined business card with bar code, laser punched holes and radio frequency IC 62 2003
2003/0195,808 Managing retailer product disbursement 89 2003
D495736 Postcard form for maintaining privacy of information contained thereon 54 2003
2004/0024,672 Customer activated multi-value (CAM) card 103 2003
2005/0071,230 Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means 99 2004
2005/0075,932 Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means 197 2004
2006/0131,869 Methods for use in alerting others that animals are in need of care 41 2005
D551705 Magnetic, sandwich-type bookmark 62 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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