US Patent No: 8,185,940

Number of patents in Portfolio can not be more than 2000

System and method for providing discriminated content to network users

ALSO PUBLISHED AS: 20080016180

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Abstract

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The present invention provides methods and systems for providing discriminated partner system resources to the user of a host system. A host entity has a business relationship with one or more partnered entities. A user accesses the host's system and then uses the host's system to connect to a partner's system. Access from one system to the next is seamless and requires no additional user input to verify the user's access rights to subsequently accessed partners' systems. The content delivered to the user from a partner's system is discriminated from a larger pool of information to appear consistent in appearance, message, or both with the host system. The host system, the partner system or both systems may perform the discrimination functions. The user is thereby provided with seamless access to partnered systems that reflects the business partnership of the host and various partners.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1930

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bowers, Theodore J Wilmington, DE 4 23
Ilijasic, Dean Wilmington, DE 15 102
Sanders, Shelley F Landenberg, PA 15 69

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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2005/0240,477 Cardholder loyalty program with rebate 119 2005
 
National Transaction Network, Inc. (2)
5,050,207 Portable automated teller machine 181 1989
5,157,717 Portable automated teller machine 168 1991
 
365 DIRECT MARKETING COMPANY (1)
2003/0083,939 Automated lost property recovery and marketing system and program 13 2001
 
CANON KABUSHIKI KAISHA (6)
6,144,946 Accounting device, communicating apparatus, and communication system 163 1997
6,009,442 Computer-based document management system 293 1997
6,182,225 Network data base control device and method thereof 75 1998
6,807,285 Embedding information in digital image data 56 1999
6,804,786 User customizable secure access token and multiple level portable interface 55 2000
2004/0111,610 Secure file format 29 2002
 
SUBSIDIARY OF PENDRELL TECHNOLOGIES LLC (1)
6,182,220 System and method for building and exchanging encrypted passwords between a client and server 40 1998
 
BALLY TECHNOLOGIES, INC. (1)
2003/0069,808 Incentive based purchasing system and method 26 2002
 
LUCENT TECHNOLOGIES INC. (6)
5,570,295 System and method of capturing encoded data transmitted over a communications network in a video system 305 1994
5,857,079 Smart card for automatic financial records 323 1994
5,657,383 Flexible customer controlled telecommunications handling 126 1995
6,005,943 Electronic identifiers for network terminal devices 81 1996
5,961,593 System and method for providing anonymous personalized browsing by a proxy system in a network 424 1997
6,618,579 Tunable filter with bypass 114 1999
 
PRICELINE.COM INCORPORATED (1)
5,797,127 Method, apparatus, and program for pricing, selling, and exercising options to purchase airline tickets 399 1996
 
AD. Ken Corporation (1)
6,721,743 Value points exchanging managing method among first and second business entities where value points available to on-line customer obtaining goods or services 83 2000
 
R. Alan Blau & Associates, Inc. (1)
5,634,101 Method and apparatus for obtaining consumer information 112 1995
 
ALIBABA GROUP HOLDING LIMITED (1)
5,875,296 Distributed file system web server user authentication with cookies 439 1997
 
ROUSTAN, W. GRAEME (1)
2001/0037,243 System and method for redeeming frequent flyer miles 52 2001
 
SAP AG (2)
2005/0273,386 Creating customer bonus rule 24 2004
2005/0288,998 Managing customer entitlements to rewards from multiple entitlement programs 51 2004
 
PANALOGIN LLC (1)
5,790,785 World Wide Web registration information processing system 201 1996
 
SOURCE SEARCH TECHNOLOGIES, LLC (1)
5,758,328 Computerized quotation system and method 757 1996
 
BI PERFORMANCE SERVICES (1)
5,915,244 Computerized incentive program with plateau pricing and remote award redemption 179 1996
 
VESTA CORPORATION (2)
6,404,866 Telephone calling account system and method 27 1999
2003/0048,888 Telephone calling account system and method 27 2002
 
MULTEX.COM, INC. (2)
5,864,871 Information delivery system and method including on-line entitlements 352 1997
5,940,843 Information delivery system and method including restriction processing 151 1997
 
AUTHERNATIVE, INC. (1)
2004/0225,880 Strong authentication systems built on combinations of "what user knows" authentication factors 28 2003
 
TOYOTA FINANCE CORPORATION (1)
2002/0070,270 Award point service system, recording medium for use therein and award point service method 22 2001
 
BLUETIE, INC. (1)
6,978,378 Secure file transfer system 26 2001
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,698,837 Method and system for identifying and communicating with a plurality of contactless IC cards 184 1995
 
SIRAS.COM INC. (1)
2002/0169,671 Electronic product registration system with sales incentive program management function 34 2002
 
TRAVELFIO.COM (1)
2002/0143,621 System and method for transferring credits as an incentive for prompt payment 39 2001
 
ALIGN TECHNOLOGY, INC. (4)
2002/0188,478 Health-care systems and methods 49 2002
2005/0182,654 Systems and methods for providing treatment planning 25 2004
2005/0159,986 Health-care systems and methods 40 2005
2006/0064,329 Health-care e-commerce systems and methods 29 2005
 
SHABBIR KHAN (1)
6,401,206 Method and apparatus for binding electronic impressions made by digital identities to documents 123 1998
 
ULTRAMERCIAL, INC. (1)
2002/0111,860 Method and system for payment ofgoods and/or services by thesponsor of an interposedcommunication on behalf ofa consumer 22 2001
 
MICROSOFT CORPORATION (16)
5,861,906 Interactive entertainment network system and method for customizing operation thereof according to viewer preferences 322 1995
5,852,812 Billing system for a network 554 1995
5,878,141 Computerized purchasing system and method for mediating purchase transactions over an interactive network 477 1995
5,815,665 System and method for providing trusted brokering services over a distributed network 673 1996
6,189,029 Web survey tool builder and result compiler 303 1996
5,842,211 Method and system for transferring a bank file to an application program 123 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 670 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 578 1997
6,484,149 Systems and methods for viewing product information, and methods for generating web pages 393 1997
6,026,429 Seamless integration of internet resources 165 1997
6,308,273 Method and system of security location discrimination 393 1998
6,308,274 Least privilege via restricted tokens 158 1998
6,584,505 Authenticating access to a network server without communicating login information through the network server 150 1999
6,574,348 Technique for watermarking an image and a resulting watermarked image 70 1999
6,401,211 System and method of user logon in combination with user authentication for network access 134 2000
2003/0101,454 Methods and systems for planning advertising campaigns 140 2001
 
Postron Corp. (1)
4,695,880 Electronic information dissemination system 274 1985
 
NETSAGE CORPORATION (1)
6,201,948 Agent based instruction system and method 328 1998
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (1)
6,647,376 System and method for point-of-sale check authorization 68 2000
 
PORTO RANELLI, S.A. (1)
2001/0032,184 Property linked-credit card 42 2000
 
NETSCAPE COMMUNICATIONS CORPORATION (1)
6,134,592 Persistant client state in a hypertext transfer protocol based client-server system 137 1997
 
FMR LLC (1)
5,991,878 Controlling access to information 105 1997
 
EQUIFAX, INC. (1)
6,496,936 System and method for authentication of network users 164 2000
 
FMR CORP. (1)
2005/0193,208 User authentication 24 2004
 
NEXTCARD, LLC (6)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 385 1998
6,405,181 Method and apparatus for real time on line credit approval 305 1998
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 155 1998
6,795,812 Implementing a counter offer for an on line credit card application 87 2000
7,143,063 Method and apparatus for a verifiable on line rejection of an applicant for credit 89 2003
2005/0004,864 Implementing a counter offer for an on line credit card application 40 2004
 
POINT INTERNATIONAL LTD. (1)
2003/0040,964 Loyalty currency vending system 95 2002
 
NUANCE COMMUNICATIONS, INC. (3)
5,598,557 Apparatus and method for retrieving and grouping images representing text files based on the relevance of key words extracted from a selected file to the text files 351 1992
6,219,639 Method and apparatus for recognizing identity of individuals employing synchronized biometrics 153 1998
6,411,933 Methods and apparatus for correlating biometric attributes and biometric attribute production features 51 1999
 
NEXTCARD, INC. (1)
6,718,313 Integrating live chat into an online credit card application 54 2000
 
KALINA, DYAN T. (1)
5,970,480 Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 161 1997
 
IGT (1)
7,485,040 Methods and apparatus for advertising in gaming device 17 2004
 
Omron Tateisi Electronics Co. (1)
4,713,760 Transaction processing system for separate registration and settlement functions 40 1985
 
COMMUNITY UNITED IP, LLC (1)
5,862,223 Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce 772 1996
 
DATAMOTION, INC. (1)
6,684,248 Method of transferring data from a sender to a recipient during which a unique account for the recipient is automatically created if the account does not previously exist 87 2000
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 130 2002
 
VISA U.S.A. INC. (7)
4,605,820 Key management system for on-line communication 135 1983
7,356,516 Method and system for facilitating electronic dispute resolution 59 2002
6,920,611 Method and system for implementing a loyalty merchant component 87 2003
2005/0071,225 System and apparatus for linking multiple rewards programs to promote the purchase of specific product mixes 100 2003
2005/0071,226 Method and system for managing dynamic terms and conditions and user interaction 69 2003
2005/0071,227 Method and system for managing concurrent sku-based rewards program 77 2003
2006/0080,243 System and method for issuer originated payments for on-line banking bill payments 51 2005
 
R.R. DONNELLEY & SONS COMPANY (1)
5,502,636 Personalized coupon generating and processing system 365 1992
 
INTERFUSE TECHNOLOGY CORPORATION (1)
6,874,139 Method and system for seamless integration of preprocessing and postprocessing functions with an existing application program 78 2001
 
BIG BABOON, INC. (1)
6,115,690 Integrated business-to-business Web commerce and business automation system 524 1997
 
Bluefire Systems, Inc. (1)
7,155,402 Method and apparatus for distribution of fashion and seasonal goods 74 2000
 
E-Scoring, Inc. (1)
2002/0077,964 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants 189 2000
 
TEXTURA CORPORATION (9)
2005/0289,051 Construction payment management system and method 32 2005
2006/0173,706 Method of and system for evaluating financial risk associated with a construction project 10 2006
2006/0271,477 Construction payment management system and method with real-time draw notification features 12 2006
2006/0271,478 Construction payment management system and method with hierarchical invoicing and direct payment features 10 2006
2006/0271,479 Construction payment management system and method with budget reconciliation features 9 2006
2006/0271,397 Construction payment management system and method with automatic workflow management features 11 2006
2006/0271,480 Construction payment management system and method with graphical user interface features 11 2006
2007/0078,771 Construction payment management system and method with document tracking features 22 2006
7,490,064 Construction payment management system and method with budget reconciliation features 8 2007
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 224 1998
 
Inforonics, Inc. (1)
5,999,971 Apparatus and method for identifying clients accessing network sites 72 1998
 
TAO TECHNOLOGIES, LLC (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet 478 1997
 
MITEL NETWORKS CORPORATION (1)
5,761,288 Service context sensitive features and applications 80 1995
 
CHESS VENTURES LLC (7)
6,805,288 Method for generating customer secure card numbers subject to use restrictions by an electronic card 206 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 68 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 68 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 68 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 68 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 68 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 68 2001
 
SIVAULT, INC. (1)
2002/0031,230 Method and apparatus for a web-based application service model for security management 182 2001
 
POINTS.COM (1)
2002/0143,614 Apparatus and method of facilitating the exchange of points between selected entitles 80 2001
 
POINTS CORPORATION (1)
2003/0144,902 Computer program and system for recording and processing bonus credits 21 2001
 
EXPERIENCE LAB, INC. (1)
2002/0010,668 Online merchandising and marketing system 50 2001
 
CERTEGY CHECK SERVICES, INC. (1)
2005/0283,429 Scored negative file system and method 22 2004
 
ICHIHIME SHOJI CO., LTD. (1)
2005/0108,090 Service points liquidation system 24 2004
 
RSA SECURITY INC. (1)
6,460,141 Security and access management system for web-enabled and non-web-enabled applications and content on a computer network 508 1998
 
Bullock Communications, Inc. (1)
5,351,186 System and method for obtaining information concerning a product or a service 226 1991
 
EASYCHECK, INC. (3)
2004/0111,371 Methods and systems for check processing 37 2003
2005/0199,708 Method for a host based smart card 44 2004
2005/0203,857 Methods for transaction processing 76 2005
 
RPX CORPORATION (1)
5,970,483 Apparatus and methodology for submitting search queries 82 1997
 
LEGEND FILMS INC. (1)
2005/0240,916 SYSTEM AND METHOD FOR DISTRIBUTED PROJECT OUTSOURCING 7 2004
 
INFOSPACE, INC. (1)
4,529,870 Cryptographic identification, financial transaction, and credential device 421 1982
 
OPEN SOLUTIONS INC. (1)
5,602,936 Method of and apparatus for document data recapture 265 1995
 
MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (1)
2002/0111,861 Data transmission system 22 2002
 
Adhesives Technology Corporation 1987 (1)
5,257,486 Nozzle for injecting a sealant into a crack 63 1991
 
NVOQ INCORPORATED (1)
2002/0156,900 Protocol independent control module 70 2002
 
INTERTECH HOLDINGS, LLC (2)
4,745,468 System for evaluation and recording of responses to broadcast transmissions 413 1986
4,926,255 System for evaluation of response to broadcast transmissions 433 1988
 
SOPHEON UK LIMITED (1)
6,526,404 Information system using human resource profiles 50 2000
 
SONY CORPORATION (2)
5,845,260 System and method for parent-controlled charging for on-line services 244 1996
2002/0188,565 Client terminal device, storage medium product, bank server apparatus, information transmitting method, information transmitting program, and information transmitting/receiving program 41 2002
 
CBS INTERACTIVE INC. (1)
6,405,175 Shopping scouts web site for rewarding customer referrals on product and price information with rewards scaled by the number of shoppers using the information 219 1999
 
MDWERKS, INC (1)
2003/0149,594 System and method for secure highway for real-time preadjudication and payment of medical claims 78 2002
 
Instasearch Corp. (1)
5,583,778 Computer method for collecting on judgments 86 1994
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 249 1998
 
SONY ELECTRONICS INC. (2)
2002/0072,931 System and method to provide financial rewards and other incentives to users of personal transaction devices 33 2001
7,729,925 System and method for facilitating real time transactions between a user and multiple entities 45 2005
 
TRIMBLE NAVIGATION LIMITED (1)
5,764,770 Image authentication patterning 126 1997
 
UNIVERSAL INTELLECTUAL PROPERTY HOLDINGS, INC. (1)
2005/0021,457 Financial account up-front incentives management system and method 163 2004
 
PASS TECHNOLOGIES, INC. (1)
4,859,837 Portable data carrier incorporating manually presettable processing modes 144 1988
 
DOCK 3, INC. (1)
2002/0032,613 Methods and systems for the physical delivery of goods ordered through an electronic network 73 2001
 
UNWIRED PLANET, LLC (2)
6,065,120 Method and system for self-provisioning a rendezvous to ensure secure access to information in a database from multiple devices 262 1997
6,754,833 Method for generating and distributing telecom and internet revenue 163 1999
 
WEBMD, INC. (1)
6,826,696 System and method for enabling single sign-on for networked applications 99 2000
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (1)
5,828,734 Telephone interface call processing system with call selectivity 86 1993
 
SIGNATURE SYSTEMS LLC (6)
6,594,640 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 243 2000
6,947,898 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 114 2003
6,820,061 Method and system for exchange and aggregation of reward points via a global computer network 116 2003
6,829,586 Method and system for aggregation of reward points for payment of auctioned items 116 2003
6,842,739 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 116 2003
7,512,551 Method and system for implementing a search engine with reward components and payment components 26 2005
 
THE REGENTS OF THE UNIVERSITY OF CALIFORNIA (1)
5,838,906 Distributed hypermedia method for automatically invoking external application providing interaction and display of embedded objects within a hypermedia document 628 1994
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
2004/0254,991 Switching Internet service providers 20 2003
 
InterTrust Technologies Corp. (2)
5,892,900 Systems and methods for secure transaction management and electronic rights protection 1998 1996
6,112,181 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 784 1997
 
TOTAL SYSTEM SERVICES, INC. (2)
6,817,008 System and method for enterprise-wide business process management 55 2003
2006/0031,718 System and method for generating production-quality data to support software testing 24 2004
 
Weiss Jensen Ellis & Howard (1)
6,144,848 Handheld remote computer control and methods for secured interactive real-time telecommunications 641 1996
 
SMARTOUCH, LLC (1)
5,764,789 Tokenless biometric ATM access system 360 1996
 
OLYMPUS OPTICAL CO., LTD. (1)
5,551,021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 246 1994
 
RICOH COMPANY, LTD. (2)
5,933,823 Image database browsing and query using texture analysis 179 1996
6,363,381 Compressed document matching 124 1998
 
LANDESK SOFTWARE LIMITED (1)
7,032,110 PKI-based client/server authentication 59 2000
 
CARLSON COMPANIES, INC. (1)
2005/0144,074 Computer implemented method and system for on-line redemption of coupons 93 2004
 
IMPRIVATA, INC. (1)
6,618,806 System and method for authenticating users in a computer network 222 1999
 
NEXTPAGE, INC. (1)
6,401,125 System and method for maintaining state information between a web proxy server and its clients 71 1999
 
TQP DEVELOPMENT, LLC (1)
5,412,730 Encrypted data transmission system employing means for randomly altering the encryption keys 81 1992
 
OSUMA FINLAND OY (1)
2006/0011,719 Customer loyalty card and devices associated therewith 34 2005
 
PANASONIC INTELLECTUAL PROPERTY CORPORATION OF AMERICA (2)
2003/0193,657 Range finder device and camera 11 2003
2003/0193,657 Range finder device and camera 11 2003
 
Hipersoft Corp. (1)
6,098,070 Case management for a personal injury plaintiff's law office using a relational database 196 1998
 
COPIENT TECHNOLOGIES, LLC (1)
6,119,933 Method and apparatus for customer loyalty and marketing analysis 190 1998
 
MEDIA IP HOLDINGS, LLC (1)
2007/0186,252 Method and system for home shopping using video-on-demand services 23 2006
 
COVERDELL & COMPANY (1)
2002/0010,599 Method for targeting insurance policy incentive rewards 60 2001
 
NCR CORPORATION (4)
6,539,363 Write input credit transaction apparatus and method with paperless merchant credit card processing 89 1990
5,835,603 Financial transaction system 151 1996
6,151,584 Computer architecture and method for validating and collecting and metadata and data about the internet and electronic commerce environments (data discoverer) 288 1997
6,564,189 Universal methods and apparatus for determining prices and rewards within retail transactions 38 1998
 
CUBIC CORPORATION (1)
2006/0261,927 Smart card receiver and system for pulsed RF fields 33 2006
 
TELSPAN, INC. (1)
5,467,269 Method and means for telephonically crediting customers with rebates and refunds 302 1994
 
TOBIN FAMILY EDUCATION AND HEALTH FOUNDATION, THE (1)
6,141,666 Method and system for customizing marketing services on networks communicating with hypertext tagging conventions 301 1997
 
SOCIETE ANONYME DITE: COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
4,977,501 Fare collection system using microwaves 81 1989
 
PRIVASYS, INC. (7)
6,592,044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 257 2000
6,609,654 Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions 217 2000
6,755,341 Method for storing data in payment card transaction 151 2000
7,195,154 Method for generating customer secure card numbers 142 2001
2003/0061,168 Method for generating customer secure card numbers 21 2001
2003/0061,168 Method for generating customer secure card numbers 21 2001
2007/0215,688 Method for Generating Customer Secure Card Numbers 32 2007
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 352 1995
 
1-800-PAY-BY-PHONE, INC. (1)
2005/0033,637 Bill payment incentives system 30 2003
 
AMAZON TECHNOLOGIES, INC. (5)
6,029,141 Internet-based customer referral system 1051 1997
2002/0152,163 Network based user-to-user payment service 78 2001
7,599,856 Detection of fraudulent attempts to initiate transactions using modified display objects 28 2002
2006/0015,463 Performing automatically authorized programmatic transactions 38 2004
2006/0036,553 Automatic authorization of programmatic transactions 100 2004
 
AMAZON.COM, INC. (3)
5,727,163 Secure method for communicating credit card data when placing an order on a non-secure network 376 1995
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 578 1995
5,960,411 Method and system for placing a purchase order via a communications network 1367 1997
 
AMAZON.COM HOLDINGS, INC. (1)
6,360,254 System and method for providing secure URL-based access to private resources 262 1999
 
PAYMENT PROCESSING, INC. (1)
2003/0229,590 Global integrated payment system 50 2002
 
SAN MATEO INTERNET ASSOCIATES, INC. (1)
2001/0049,628 On-line system for aggregation of purchase bonuses 88 2001
 
BLACKHAWK NETWORK, INC. (1)
5,956,695 Filter processor and method for implementing a program 267 1997
 
BRIGHT RESPONSE, LLC (3)
6,182,059 Automatic electronic message interpretation and routing system 171 1997
6,278,996 System and method for message process and response 103 1998
6,411,947 Automatic message interpretation and routing system 136 1998
 
Wireless Checking, Inc. (1)
2003/0125,969 Method and apparatus for processing financial transactions over a paging network 66 2001
 
YT ACQUISITION CORPORATION (8)
5,615,277 Tokenless security system for authorizing access to a secured computer system 317 1994
5,838,812 Tokenless biometric transaction authorization system 324 1996
5,805,719 Tokenless identification of individuals 412 1997
6,366,682 Tokenless electronic transaction system 135 1998
6,230,148 Tokenless biometric electric check transaction 149 1999
6,269,348 Tokenless biometric electronic debit and credit transactions 239 1999
6,154,879 Tokenless biometric ATM access system 251 1999
2009/0228,362 TOKENLESS BIOMETRIC ELECTRONIC FINANCIAL TRANSACTIONS VIA A THIRD PARTY IDENTICATOR 20 2009
 
BANK OF AMERICA CORPORATION (2)
6,128,602 Open-architecture system for real-time consolidation of information from multiple financial systems 340 1998
6,789,115 System for collecting, analyzing, and reporting high volume multi-web server usage 80 1999
 
The United States of America as represented by the Secretary of the Air Force (1)
5,189,606 Totally integrated construction cost estimating, analysis, and reporting system 240 1991
 
VESDIA CORPORATION (2)
6,345,261 Customer loyalty investment program 200 1999
2003/0004,809 Method and system for automatically calculating and managing consumer earned equity 42 2002
 
VEICON TECHNOLOGY, INC. (1)
5,958,007 Automatic and secure system for remote access to electronic mail and the internet 126 1997
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 548 1992
 
CUSTOMEDIA, LLC (1)
6,213,391 Portable system for personal identification based upon distinctive characteristics of the user 221 1997
 
WEBXCHANGE, INC. (1)
5,778,178 Method and apparatus for enabling real-time bi-directional transactions on a network 289 1996
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 372 1997
 
LOGICLINK CORPORATION (1)
5,987,498 Credit card operated computer on-line service communication system 284 1996
 
PAYBYCLICK CORPORATION--TEXAS (1)
7,249,099 Method and apparatus for conducting electronic commerce transactions using electronic tokens 55 2005
 
HYBRID KIOSKS, LLC (1)
2007/0011,089 Electronic savings transfers 72 2006
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
7,072,864 Customer activated multi-value (CAM) card 134 2003
 
PUVAAL APPLICATIONS AG, LLC (1)
7,155,477 Method and system for continuous interactive communication in an electronic network 10 2001
 
TWINTECH E.U. II, LIMITED LIABILITY COMPANY (1)
5,819,285 Apparatus for capturing, storing and processing co-marketing information associated with a user of an on-line computer service using the world-wide-web. 263 1995
 
SL SOFRTWARE, INC. (1)
5,682,524 Databank system with methods for efficiently storing non-uniform data records 245 1995
 
TTI INVENTIONS C LLC (2)
5,084,816 Real time fault tolerant transaction processing system 186 1989
6,138,118 Method and system for reconciling concurrent streams of transactions in a database 180 1998
 
AIT ADVANCED INFORMATION TECHNOLOGIES CORPORATION (1)
2002/0104,006 Method and system for securing a computer network and personal identification device used therein for controlling access to network components 107 2001
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 273 1994
 
eSpoc, Inc. (1)
6,785,810 System and method for providing secure transmission, search, and storage of data 98 1999
 
The MathWorks, Inc. (1)
7,139,686 Report generator for a mathematical computing environment 27 2000
 
MULTEX SYSTEMS, INC. (1)
6,912,529 Method and system for storing and retrieving documents 26 1998
 
GOEKEN GROUP CORP. (1)
5,617,474 Telephone handset having a latch-receiving opening in an enlarged inlet opening of a card-receiving slot 63 1990
 
The United States of America as represented by the Secretary of Commerce (2)
5,231,668 Digital signature algorithm 163 1991
6,202,066 Implementation of role/group permission association using object access type 222 1998
 
THE WESTERN UNION COMPANY (3)
7,440,923 Method and apparatus for preauthorizing electronic fund transfers without actual written authentication 10 1999
2003/0158,818 Systems and methods for operating loyalty programs 60 2002
2005/0125,296 Systems and methods for obtaining biometric information at a point of sale 37 2003
 
PITNEY BOWES INC. (1)
4,713,761 System for centralized processing of accounting and payment functions 274 1985
 
The Harrison Company, LLC (2)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 248 1991
6,424,951 Data processing technique for scoring bank customer relationships and awarding incentive rewards 83 1999
 
ASSA ABLOY AB (1)
5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol 92 1995
 
GOOGLE TECHNOLOGY HOLDINGS LLC (1)
6,105,006 Transaction authentication for 1-way wireless financial messaging units 104 1997
 
APPLE INC. (2)
6,714,987 Architecture for an IP centric distributed network 239 1999
2005/0198,634 Assigning tasks in a distributed system 22 2004
 
KABUSHIKI KAISHA TOSHIBA (4)
4,641,239 Automatic-transfer-transaction processing apparatus 102 1984
5,225,664 Mutual authentication system 65 1991
6,409,080 Portable electronic device and loyalty point system 65 2001
2004/0128,248 Method for managing account, method for performing settling, method for managing lot, computer readable recording medium, account managing/settling system, and lot managing system 20 2003
 
DISNEY ENTERPRISES, INC. (1)
5,963,915 Secure, convenient and efficient system and method of performing trans-internet purchase transactions 571 1996
 
AUTOGAS ACQUISITIONS CORP. (1)
2005/0261,916 Fuel dispensing system and method providing discounted prices to individually identified customers 34 2003
 
Printon AB (1)
6,992,786 Method and system for online creation and ordering of customized material for printing 40 2000
 
RAYTHEON COMPANY (1)
5,241,594 One-time logon means and methods for distributed computing systems 304 1992
 
SELFOO (1)
2004/0006,487 Centralised system and method for dispensing services to automatic sales terminals 32 2003
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (54)
4,661,658 Offline PIN validation with DES 70 1985
4,747,050 Transaction security system using time variant parameter 114 1987
5,560,008 Remote authentication and authorization in a distributed data processing system 318 1989
5,315,504 Electronic document approval system 81 1990
5,317,683 Method and apparatus for automated meeting agenda generation in a data processing system 98 1990
5,196,840 Secure communications system for remotely located computers 102 1990
5,469,576 Front end for file access controller 91 1993
5,604,490 Method and system for providing a user access to multiple secured subsystems 160 1994
5,532,920 Data processing system and method to enforce payment of royalties when copying softcopy books 418 1994
5,661,807 Authentication system using one-time passwords 91 1995
5,832,211 Propagating plain-text passwords from a main registry to a plurality of foreign registries 99 1995
5,838,903 Configurable password integrity servers for use in a shared resource environment 100 1995
5,862,323 Retrieving plain-text passwords from a main registry by a plurality of foreign registries 70 1995
5,592,553 Authentication system using one-time passwords 137 1996
5,826,023 Communications tunneling 60 1996
5,933,827 System for identifying new web pages of interest to a user 248 1996
5,796,827 System and method for near-field human-body coupling for encrypted communication with identification cards 227 1996
6,012,088 Automatic configuration for internet access device 599 1996
5,918,239 Deferred display of web pages corresponding to links selected by user 113 1997
6,104,716 Method and apparatus for lightweight secure communication tunneling over the internet 233 1997
6,684,384 Extensible object oriented framework for general ledger 59 1997
5,963,952 Internet browser based data entry architecture 175 1997
5,982,370 Highlighting tool for search specification in a user interface of a computer system 204 1997
6,000,033 Password control via the web 118 1997
6,092,192 Apparatus and methods for providing repetitive enrollment in a plurality of biometric recognition systems based on an initial enrollment 132 1998
6,505,773 Authenticated electronic coupon issuing and redemption 100 1998
6,178,511 Coordinating user target logons in a single sign-on (SSO) environment 187 1998
6,275,944 Method and system for single sign on using configuration directives with respect to target types 131 1998
6,580,814 System and method for compressing biometric models 43 1998
6,321,337 Method and system for protecting operations of trusted internal networks 255 1998
6,327,578 Four-party credit/debit payment protocol 385 1998
6,507,912 Protection of biometric data via key-dependent sampling 76 1999
6,651,168 Authentication framework for multiple authentication processes and mechanisms 127 1999
6,493,685 Electronic account presentation and response system and method 305 1999
6,256,664 Method and apparatus for computed relevance messaging 126 1999
6,751,654 Simulating web cookies for non-cookie capable browsers 57 1999
6,535,980 Keyless encryption of messages using challenge response 53 1999
6,470,357 System and method of enhanced directory services for telecommunications management network applications 44 1999
6,957,337 Method and apparatus for secure authorization and identification using biometrics without privacy invasion 70 1999
6,549,972 Method and system for providing control accesses between a device on a non-proprietary bus and a device on a proprietary bus 14 1999
6,725,269 System and method for maintaining multiple identities and reputations for internet interactions 108 1999
6,735,695 Methods and apparatus for restricting access of a user using random partial biometrics 103 1999
7,013,286 Generation, distribution, storage, redemption, validation and clearing of electronic coupons 114 1999
6,571,216 Differential rewards with dynamic user profiling 154 2000
7,039,714 Method of enabling an intermediary server to impersonate a client user's identity to a plurality of authentication domains 42 2000
6,976,164 Technique for handling subsequent user identification and password requests with identity change within a certificate-based host session 86 2000
6,819,219 Method for biometric-based authentication in wireless communication for access control 232 2000
6,965,939 Method and apparatus for processing requests in a network data processing system based on a trust association between servers 47 2001
7,134,075 Conversion of documents between XML and processor efficient MXML in content based routing networks 74 2001
2003/0004,794 Corporate rewards program overdraft method 18 2001
2003/0037,131 User information coordination across multiple domains 62 2001
6,641,050 Secure credit card 176 2001
2004/0054,931 Calendar based security object management 10 2002
2005/0240,474 Pattern based promotion evaluation 26 2005
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (2)
7,506,804 System and method for an integrated payment and reward card 28 2005
2010/0057,551 POINT-OF-SALE PURCHASE SYSTEM AND METHOD WITH OPTION OF PAYMENT USING LOYALTY POINTS 26 2008
 
AT&T IPM CORP. (2)
5,450,491 Authenticator card and system 125 1993
5,541,583 Arrangement for interrogating portable data communication devices 150 1995
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 998 1995
 
NORTHERN LIGHT WEB SEARCH (1)
2005/0131,721 System and method to facilitate sharing of information 6 2004
 
Agovino, Frank R. (1)
2003/0088,462 DEBIT CARD SYSTEM AND METHOD FOR IMPLEMENTING INCENTIVE AWARD PROGRAM 53 1999
 
COIN ACCEPTORS, INC. (1)
2005/0205,666 Loyalty automatic merchandiser system 37 2005
 
APPAGE CORPORATION (1)
5,903,878 Method and apparatus for electronic commerce 360 1997
 
U.S. BANCORP LICENSING, INC. (1)
2005/0060,579 SECURE NETWORK SYSTEM AND ASSOCIATED METHOD OF USE 18 2004
 
I NOVATION INC. (1)
6,662,215 System and method for content optimization 53 2000
 
GLOBAL ONLINE PROMOTIONS, INC. (1)
2001/0039,511 Lottery award promotional method and system 36 2000
 
HUMANA INC. (1)
2003/0154,403 Web-based security with controlled access to data and resources 73 2002
 
HOME ACCOUNT NETWORK, INC. (1)
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 528 1994
 
COIN, INC. (3)
2006/0249,574 Automated payment card fraud detection and location 63 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 84 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 62 2006
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 435 1996
 
Gascard, Inc. (1)
4,891,503 Distributed authorization system 198 1988
 
UNITED HEALTH GROUP INCORPORATED (1)
2005/0256,794 Benefit financing arrangement 29 2005
 
MINOLTA CO., LTD. (1)
6,075,519 Operational mode setting apparatus for display screen 48 1996
 
ZANNI ASSETS LIMITED LIABILITY COMPANY (1)
6,490,601 Server for enabling the automatic insertion of data into electronic forms on a user computer 325 1999
 
Midnight Blue Remote Access LLC (4)
6,292,786 Method and system for generating incentives based on substantially real-time product purchase information 358 1999
6,609,104 Method and system for accumulating marginal discounts and applying an associated incentive 58 1999
6,611,811 Method and system for accumulating marginal discounts and applying an associated incentive upon achieving threshold 114 1999
6,516,302 Method and system for accumulating marginal discounts and applying an associated incentive upon achieving one of a plurality of thresholds 95 1999
 
Coordinated Data Services, Inc. (1)
5,878,405 Pension planning and liquidity management system 236 1996
 
SHEP DATA FUNDING LLC (1)
5,761,661 Data management system and method 122 1994
 
ZYNGA INC. (4)
5,921,864 Electronic word puzzle game 73 1996
5,798,508 Postpaid traveler's checks 85 1996
6,006,205 Credit card billing method and system 141 1997
6,360,209 Credit card billing method and system 58 1999
 
Charter One Financial, Inc. (1)
2003/0225,688 Financial account transfer apparatus and method 49 2002
 
PHOENIX LICENSING, LLC (3)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 466 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 327 1997
6,999,938 Automated reply generation direct marketing system 88 1999
 
HARRAH'S OPERATING COMPANY, INC. (1)
5,761,647 National customer recognition system and method 598 1996
 
AT&T Bell Laboratories (2)
5,253,294 Secure transmission system 86 1983
5,311,594 Fraud protection for card transactions 326 1993
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2003/0167,199 Automated workflow means and method for pension products 11 2002
 
DEFAULT PROOF CREDIT CARD SYSTEMS, INC. (1)
2003/0088,470 System and process for debit card dispensing 26 2003
 
DEWAAY INVESTMENT PARTNERS, LLLP (1)
6,044,402 Network connection blocker, method, and computer readable memory for monitoring connections in a computer network and blocking the unwanted connections 108 1997
 
GOETEL COMMUNICATIONS CORP. (1)
5,546,452 Communications system using a central controller to control at least one network and agent system 246 1995
 
ASPEN MARKETING SERVICES, INC. (1)
5,983,196 Interactive computerized methods and apparatus for conducting an incentive awards program 208 1996
 
ASN HOLDINGS, LLC (1)
2002/0052,778 System and method for providing incentives to purchasers 91 2000
 
GENERAL ELECTRIC COMPANY (3)
4,845,347 Transaction system 74 1986
2002/0069,158 Method and system for providing a secured multi-purpose electronic account 28 2000
* 2002/0152,279 Personalized intranet portal 59 2001
 
AZTAR CORPORATION (1)
2005/0075,889 Progressive customer reward program 52 2003
 
VERIZON PATENT AND LICENSING INC. (8)
6,088,451 Security system and method for network element access 373 1996
5,944,824 System and method for single sign-on to a plurality of network elements 377 1997
6,202,151 System and method for authenticating electronic transactions using biometric certificates 211 1997
6,067,531 Automated contract negotiator/generation system and method 134 1998
6,611,498 Integrated customer web station for web based call management 134 1998
7,225,249 Integrated systems for providing communications network management services and interactive generating invoice documents 207 1998
6,438,219 System, method and computer program product for achieving local number portability costing support 25 1999
2005/0216,421 Integrated business systems for web based telecommunications management 368 2005
 
SYNAPSE GROUP, INC. (1)
6,014,641 Method and apparatus for providing open-ended subscriptions to commodity items normally available only through term-based subscriptions 103 1996
 
MARS, INCORPORATED (1)
2002/0004,742 Time variable incentive for purchasing goods and services 26 2000
 
ZEDO, INC. (1)
* 2002/0069,105 Data processing system for targeted content 113 2000
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 295 1996
 
E-TALK CORPORATION (2)
5,621,789 Method and system for integrating a plurality of call center agent performance enhancement modules 141 1993
5,684,870 Method and system for transferring calls and call-related data between a plurality of call centers 174 1996
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (2)
6,016,476 Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security 539 1998
2006/0143,077 Method and system to ensure maintenance of individual government benefits in a retail environment 22 2004
 
GENERAL ELECTRIC CAPITAL CORPORATION (5)
6,970,830 Methods and systems for analyzing marketing campaigns 135 1999
7,003,476 Methods and systems for defining targeted marketing campaigns using embedded models and historical data 71 1999
7,006,979 Methods and systems for creating models for marketing campaigns 49 1999
7,010,495 Methods and systems for analyzing historical trends in marketing campaigns 40 1999
6,901,406 Methods and systems for accessing multi-dimensional customer data 97 2000
 
AGRATEC, LLC (1)
* 2002/0072,984 Method and apparatus for the distribution and sale of a branded product 30 2000
 
CHEYENNE PROPERTY TRUST (1)
5,841,869 Method and apparatus for trusted processing 122 1996
 
IMPERVA, INC. (1)
2008/0320,567 SYSTEM AND METHOD FOR PREVENTING WEB FRAUDS COMMITTED USING CLIENT-SCRIPTING ATTACKS 34 2008
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 119 2001
 
ARRIS ENTERPRISES, INC. (2)
7,313,802 Method and system to provide deals and promotions via an interactive video casting system 43 2000
7,266,835 Method and apparatus for secure transactions in an interactive television ticker 41 2002
 
FRANCE TELECOM (1)
2002/0032,622 Shop management method and platform for performing the method 27 2001
 
ECOVA, INC. (1)
5,943,656 Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems 283 1997
 
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages 50 2005
 
GENERAL DYNAMICS C4 SYSTEMS, INC. (1)
5,381,332 Project management system with automated schedule and cost integration 182 1991
 
AT&T CORP. (3)
5,835,580 Method and apparatus for automated provisioning and billing of communication services 212 1996
5,950,174 Affiliation-based arrangement for billing 143 1997
2007/0283,436 Method and apparatus for large-scale automated distributed denial of service attack detection 14 2006
 
AMERICA ONLINE, INC. (1)
2005/0278,641 Javascript Calendar Application Delivered to a Web Browser 129 2003
 
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems 70 2002
D490840 Proximity interface for transaction acceptance systems 57 2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems 62 2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems 55 2003
 
EXPERIAN INFORMATION SOLUTIONS, INC. (1)
6,925,441 System and method of targeted marketing 137 1997
 
PLANETJAM MEDIA GROUP, INC. (1)
2002/0010,621 Incentives for content consumption 48 2001
 
RESEARCH IN MOTION LIMITED (1)
6,868,391 Tele/datacommunications payment method and apparatus 145 1998
 
Spot Metals Online (1)
5,715,402 Method and system for matching sellers and buyers of spot metals 494 1995
 
MSHIFT, INC. (1)
6,950,881 System for converting wireless communications for a mobile device 25 2000
 
DIGICASH INCORPORATED (1)
2007/0179,883 System and method and computer readable code for visualizing and managing digital cash 48 2006
 
HYPERWALLET SYSTEMS, INC. (1)
7,177,830 On-line payment system 25 2003
 
VINDICATOR CORPORATION (1)
5,001,755 Security system network 50 1990
 
TOTAL SYSTEMS SERVICES, INC. (1)
2004/0210,531 System and method for single event authorization control of transactions 46 2002
 
TOTAL SYSTEMS INTEGRATORS, INC. (1)
5,842,421 Power and free conveyor system utilizing power track and dog elevation to prevent jamming conditions at transfers and switches 21 1996
 
AVAYA INC. (2)
5,740,231 Network-based multimedia communications and directory system and method of operation 465 1994
6,161,182 Method and apparatus for restricting outbound access to remote equipment 105 1998
 
YODLEE.COM, INC. (3)
6,199,077 Server-side web summary generation and presentation 257 1999
2002/0023,108 AUTOMATIC WEB FORM INTERACTION PROXY 80 1999
7,225,464 Method for verifying the identity of a user for session authentication purposes during Web navigation 32 2002
 
ASPECT SOFTWARE, INC. (4)
5,675,637 Method for automatically obtaining and presenting data from multiple data sources 150 1995
5,640,577 Data processing system with automated at least partial forms completion 345 1995
5,790,650 Telephone call center management system which supports multi-user and separate private applications 106 1996
5,963,635 Method and apparatus for providing result-oriented customer service 215 1996
 
eCardless Bancorp, Ltd. (1)
2004/0019,563 Purchasing on the internet using verified order information and bank payment assurance 22 2003
 
The Beacon Journal Publishing Company (1)
2002/0095,443 Method for automated generation of interactive enhanced electronic newspaper 35 2002
 
ESCHER GROUP, LTD., THE (1)
2002/0042,808 Method and apparatus for linking data and objects 20 2001
 
FINANCIAL ENGINES, INC. (1)
5,918,217 User interface for a financial advisory system 341 1997
 
ASPECT COMMUNICATIONS CORPORATION (1)
6,298,356 Methods and apparatus for enabling dynamic resource collaboration 149 1998
 
Powell, Raymond H.J. (1)
2003/0233,255 METHOD OF COORDINATING MAINTENANCE OF VITAL PATIENT DATA AND SOFTWARE THEREFOR 20 1999
 
CATALINA MARKETING CORPORATION (11)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 473 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 599 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 466 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 556 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 763 1995
5,710,886 Electric couponing method and apparatus 554 1995
6,334,108 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 171 1996
6,424,949 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 204 1997
6,795,809 Method and apparatus for logging system test data in a POS system 48 1998
6,298,330 Communicating with a computer based on the offline purchase history of a particular consumer 199 1999
6,684,195 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 131 2000
 
Corpra Research, Inc. (1)
4,575,621 Portable electronic transaction device and system therefor 401 1984
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 300 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 278 1996
 
U.S. PHILIPS CORPORATION (1)
4,890,324 Enciphering/deciphering method and arrangement for performing the method 15 1987
 
SANDCHERRY NETWORKS, INC. (1)
7,185,094 Media session framework using a control module to direct and manage application and service servers 48 2001
 
CATALINA MARKETING INTERNATIONAL, INC. (2)
2001/0023,407 Method and apparatus for distributing and redeeming offers and incentives 43 2001
2002/0133,401 Method and system for accumulating coupon values in an account for future redemption 22 2001
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 196 1998
 
ROSE BLUSH SOFTWARE LLC (2)
5,754,840 System, method, and computer program product for developing and maintaining documents which includes analyzing a patent application with regards to the specification and claims 140 1996
5,991,780 Computer based system, method, and computer program product for selectively displaying patent text and images 119 1998
 
OKI ELECTRIC INDUSTRY CO., LTD. (2)
4,877,947 Transaction processing system 229 1987
2005/0273,425 Acceptance/reception separating system in financial institution 20 2005
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics 166 1984
 
SUN MICROSYSTEMS, INC. (12)
5,848,400 Electronic check exchange, clearing and settlement system 206 1996
5,884,288 Method and system for electronic bill payment 362 1996
6,105,012 Security system and method for financial institution server and client web browser 198 1997
6,226,679 Common management information protocol (CMIP) agent registration methods systems and computer program products 67 1997
6,073,113 Compatibility checking between instruments, operations and protocols in electronic commerce 127 1998
6,510,523 Method and system for providing limited access privileges with an untrusted terminal 97 1999
6,226,752 Method and apparatus for authenticating users 303 1999
* 7,188,181 Universal session sharing 140 1999
6,609,198 Log-on service providing credential level change without loss of session continuity 289 1999
6,668,322 Access management system and method employing secure credentials 204 1999
7,165,256 Task grouping in a distributed processing framework system and methods for implementing the same 16 2001
2005/0015,490 System and method for single-sign-on access to a resource via a portal server 26 2003
 
REUTERS LIMITED (1)
6,535,917 Market data domain and enterprise system implemented by a master entitlement processor 55 1999
 
TANDEM COMPUTERS INCORPORATED (1)
4,723,246 Integrated scrambler-encoder using PN sequence generator 26 1985
 
FUJI XEROX CO., LTD. (1)
2006/0274,970 Image processing device, method, and storage medium which stores a program 18 2005
 
INTELLECTUAL VENTURES II LLC (1)
7,225,462 Systems and methods for managing web user information 16 2002
 
OFFICIAL PAYMENTS CORPORATION (2)
5,870,724 Targeting advertising in a home retail banking delivery service 465 1995
6,202,054 Method and system for remote delivery of retail banking services 407 1998
 
INDIVIDUAL NETWORK, LLC (1)
6,735,778 Method and system for providing home shopping programs 15 2002
 
INVENSYS SYSTEMS, INC. (1)
2002/0069,172 Method and system for administering a concurrent user licensing agreement on a manufacturing/process control information portal server 30 2001
 
INTERNET MEDIA INTERACTIVE CORPORATION (1)
6,049,835 System for providing easy access to the World Wide Web utilizing a published list of preselected Internet locations together with their unique multi-digit jump codes 142 1996
 
HIP CONSULT INC. (1)
2007/0295,803 APPARATUS AND METHOD FOR FACILITATING MONEY OR VALUE TRANSFER 64 2006
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 302 1998
 
SYMANTEC CORPORATION (1)
6,408,389 System for supporting secured log-in of multiple users into a plurality of computers using combined presentation of memorized password and transportable passport record 55 2000
 
BOUYANT HOLDINGS LIMITED (1)
2009/0100,508 METHOD AND APPARATUS FOR THE SECURE IDENTIFICATION OF THE OWNER OF A PORTABLE DEVICE 15 2008
 
BPREPAID, LLC (1)
2005/0125,315 System for account management and method therefor 30 2003
 
DIALWARE INC. (1)
2004/0031,856 Physical presence digital authentication system 181 2003
 
SEIKO EPSON CORPORATION (2)
* 2002/0032,724 Web page transmission system, web page transmission method and storage medium 5 2001
2002/0194,071 Reward system and apparatus used therefor 21 2002
 
XEROX CORPORATION (3)
5,857,023 Space efficient method of redeeming electronic payments 32 1996
7,051,199 System, method and article of manufacture for providing cryptographic services utilizing a network 27 2000
2007/0019,806 System and method for establishing secondary channels 10 2006
 
PENDRAGON NETWORKS LLC (1)
6,317,834 Biometric authentication system with encrypted models 143 1999
 
ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1392 1989
 
SILICON VALLEY BANK (1)
6,915,271 Method and system for delivering redeeming dynamically and adaptively characterized promotional incentives on a computer network 180 1999
 
INSTITUTE FOR INFORMATION SCIENCES (1)
2003/0051,026 Network surveillance and security system 345 2001
 
MASTERCARD INTERNATIONAL INCORPORATED (6)
5,023,782 Travelers cheque transaction terminal 254 1990
5,692,132 System and method for conducting cashless transactions on a computer network 540 1995
5,699,528 System and method for bill delivery and payment over a communications network 1017 1995
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 139 2001
2008/0133,350 METHOD AND APPARATUS FOR REWARD REDEMPTION AT THE POINT OF INTERACTION 31 2007
2009/0171,778 METHODS AND SYSTEMS FOR APPLYING A REWARDS PROGRAM PROMOTION TO PAYMENT TRANSACTIONS 27 2007
 
TELE-PUBLISHING, INC. (1)
6,073,105 Interactive personals online network method and apparatus 247 1997
 
OPTIMIZEUSA, INC. (1)
2003/0088,489 Automated investment advisory software and method 37 2000
 
Societe Nationale Elf Aquitaine (1)
5,302,810 Method for rapid and uniform heating of a multilayer assembly comprising at least one thin layer based on an ion-conducting macromolecular material interleaved between two structures with high electronic conduction 16 1991
 
UBS PAINEWEBBER INC. (1)
2003/0040,995 Benefit provider system and method 43 2001
 
ERN, LLC (1)
2002/0026,365 Method and system for electronic payment and check guarantee 25 2001
 
TELEBUYER, LLC (1)
5,412,708 Videophone system for scrutiny monitoring with computer control 169 1993
 
XL TRANSISTORS LIMITED LIABILITY COMPANY (2)
5,450,134 Video facility management system for encoding and decoding video signals to facilitate identification of the video signals 105 1993
5,557,334 Apparatus for tracking the flow of video signals by incorporating patterns of machine readable signals which will appear at predetermined locations of a television picture 99 1995
 
National Bancard Corporation (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 77 1994
 
SYSTEMS & COMPUTER TECHNOLOGY CORPORATION (2)
2002/0029,269 Methods and systems for coordinating the termination of sessions on one or more systems 54 2001
7,093,020 Methods and systems for coordinating sessions on one or more systems 70 2001
 
THE 41ST PARAMETER, INC. (1)
2007/0234,409 SYSTEMS AND METHODS FOR DETECTION OF SESSION TAMPERING AND FRAUD PREVENTION 42 2007
 
BUZZMETRICS, LTD. (1)
7,197,470 System and method for collection analysis of electronic discussion methods 45 2000
 
John Ogilvie (1)
2006/0095,350 Funds collection tools and techniques 27 2005
 
BUYERLEVERAGE (1)
2003/0158,776 Buyer-driven targeting of purchasing entities 120 2001
 
Intellicard International, Inc. (1)
4,614,861 Unitary, self-contained card verification and validation system and method 603 1984
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
2004/0039,940 Hardware-based packet filtering accelerator 34 2002
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 68 2002
 
3M INNOVATIVE PROPERTIES COMPANY (1)
5,781,909 Supervised satellite kiosk management system with combined local and remote data storage 223 1996
 
NETSILICA, INC. (1)
2003/0046,587 Secure remote access using enterprise peer networks 186 2002
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
5,724,423 Method and apparatus for user authentication 90 1995
 
FORD MOTOR COMPANY (1)
6,684,212 System and method for data sharing between members of diverse organizations 33 2000
 
WALENBRECK GMBH, LLC (1)
6,088,683 Secure purchase transaction method using telephone number 313 1996
 
LENOVO (SINGAPORE) PTE LTD. (1)
6,976,067 Method and apparatus for providing entitlement information for interactive support 8 2001
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 488 1996
 
TRIDIM INNOVATIONS LLC (1)
5,847,709 3-D document workspace with focus, immediate and tertiary spaces 152 1996
 
III HOLDINGS 1, LLC (13)
2001/0034,720 System for facilitating a transaction 226 2001
2001/0054,003 System and method for using loyalty points 344 2001
2003/0225,618 System and method for exchanging loyalty points for acquisitions 52 2002
2003/0236,712 System and method for distributing vouchers 50 2003
2005/0086,103 Electronic shopping cart for transactions 30 2003
2005/0033,619 METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE 77 2004
2005/0203,824 A SYSTEM AND METHOD FOR USING CASH REBATES 44 2004
2006/0004,629 Deferred loyalty points redemption method 72 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 147 2004
2005/0197,904 Credit card reward program 35 2005
2005/0160,003 SYSTEM AND METHOD FOR INCENTING RFID TRANSACTION DEVICE USAGE AT A MERCHANT LOCATION 38 2005
7,506,806 Smartcard transaction method and system using fingerprint recognition 39 2007
7,686,218 System and method for exchanging loyalty points for acquisitions 27 2007
 
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer 145 1985
 
Mantra Technologies, Inc. (1)
5,926,812 Document extraction and comparison method with applications to automatic personalized database searching 148 1997
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 325 1994
 
RPX CLEARINGHOUSE LLC (2)
6,092,196 HTTP distributed remote user authentication system 474 1997
6,101,486 System and method for retrieving customer information at a transaction center 216 1998
 
MORE MAGIC HOLDINGS, INC. (1)
6,343,323 Resource retrieval over a source network determined by checking a header of the requested resource for access restrictions 47 1998
 
DOWNING PLACE LIMITED LIABILITY COMPANY (1)
2005/0216,346 System and method for consumer-selected advertising and branding in interactive media 111 2005
 
KONINKLIJKE KPN N.V. (1)
6,042,006 Authentication system wherein definition signals of two devices are altered, communicated between the two devices, and compared 53 1997
 
FACEBOOK, INC. (3)
5,657,390 Secure socket layer application program apparatus and method 356 1995
6,014,638 System for customizing computer displays in accordance with user preferences 587 1996
5,825,890 Secure socket layer application program apparatus and method 207 1997
 
EURONET WORLDWIDE, INC. (1)
2004/0078,332 System and method for purchasing goods and services through data network access points over a point of sale network 62 2003
 
THE GOLUB CORPORATION (2)
2003/0033,252 Methods and systems for check processing using blank checks at a point-of-sale 43 2001
2004/0044,606 Methods and systems for check processing 37 2003
 
EBAY INC. (8)
5,832,460 Method and system for bill presentation and payment reconciliation 337 1995
6,267,292 Method and apparatus for funds and credit line transfers 287 1999
7,047,222 Secure encryption of data packets for transmission over unsecured networks 37 2000
7,043,455 Method and apparatus for securing session information of users in a web application server environment 22 2000
2001/0016,835 Method of payment by means of an electronic communication device 45 2001
2005/0171,842 Method and system for incentivizing the promotion of a payment service 42 2004
2005/0144,071 Method and apparatus to facilitate the electronic accumulation and redemption of a value in an account 34 2004
7,581,112 Identifying fraudulent activities and the perpetrators thereof 19 2004
 
W. & T. Avery Limited (1)
5,352,877 Non-contact transaction system with token presence detection 65 1992
 
MCAFEE, INC. (1)
6,584,508 Advanced data guard having independently wrapped components 85 1999
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1729 1986
 
CITIBANK, N.A. (18)
5,557,518 Trusted agents for open electronic commerce 852 1994
5,710,889 Interface device for electronically integrating global financial services 685 1995
5,866,889 Integrated full service consumer banking system and system and method for opening an account 165 1995
5,659,165 Customer-directed, automated process for transferring funds between accounts via a communications network 329 1995
5,966,695 Sales and marketing support system using a graphical query prospect database 395 1995
5,642,419 Method for acquiring and revalidating an electronic credential 282 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 286 1996
5,930,764 Sales and marketing support system using a customer information database 444 1996
6,088,686 System and method to performing on-line credit reviews and approvals 569 1996
6,029,153 Method and system for analyzing and handling the customer files of a financial institution 115 1997
6,081,790 System and method for secure presentment and payment over open networks 287 1998
6,381,587 Method and system for standardizing and reconciling invoices from vendors 56 1998
6,226,623 Global financial services integration system and process 402 1998
7,010,512 Transfer instrument 84 1998
6,131,810 Integrated full service consumer banking system and system and method for opening an account 282 1999
6,385,652 Customer access solutions architecture 84 1999
6,349,290 Automated system and method for customized and personalized presentation of products and services of a financial institution 301 1999
7,092,905 Systems and methods for the processing of financial transactions 74 2001
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 386 1998
 
NEW FIRST CITY, TEXAS - AUSTIN, N.A. (1)
4,725,719 Restricted purpose, commercial, monetary regulation method 187 1986
 
ROCKET SOFTWARE, INC. (1)
5,305,456 Apparatus and method for computer system integrated security 45 1991
 
METRO88 PARTNERSHIP (2)
2001/0054,059 Opt-in electronic mail advertising for internet radio network 32 2001
2001/0034,651 Earning and using benefits for responses to internet advertising at a merchant location 34 2001
 
PROGRESS FEDERAL SAVINGS BANK (1)
5,495,981 Transaction card mailer and method of making 126 1994
 
CARLSON MARKETING GROUP, INC. (1)
2005/0242,179 Loyalty system incorporating embedded incentives 22 2005
 
OPEN NETWORK SOLUTIONS, INC. (3)
5,742,845 System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open network 511 1995
5,898,838 Editor for developing statements to support i/o operation on open network using segregator for segregating protocol statements from application statements upon verification of correspondence 209 1997
5,905,908 Open network system for I/O operations with non-standard I/O devices utilizing extended protocol including device identifier and identifier for operation to be performed with device 211 1997
 
AFFINION LOYALTY GROUP, INC. (1)
2006/0161,478 System, method and computer program product for currency redemption in loyalty reward programs 18 2006
 
SPINDLE MOBILE, INC. (1)
5,991,738 Automated credit card processing 95 1997
 
PRICELINE.COM LLC (1)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1637 1996
 
ZIH CORP. (1)
5,680,459 Passive transponder 126 1995
 
TRANSAMERICA BUSINESS CREDIT CORPORATION (1)
5,991,751 System, method, and computer program product for patent-centric and group-oriented data processing 285 1997
 
DIEBOLD, INCORPORATED (1)
7,080,036 Automated banking machine development method 33 2000
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 137 1997
6,095,412 Host and user transaction system 149 1997
 
CITICORP DEVELOPMENT CENTER, INC. (3)
5,485,370 Home services delivery system with intelligent terminal emulator 240 1993
6,889,198 Method and system for tracking smart card loyalty points 38 1999
6,289,324 System for performing financial transactions using a smart card 152 2000
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (1)
6,315,195 Transaction apparatus and method 250 1998
 
MARITZ INC. (2)
2002/0120,497 System and method for operating an awards redemption program 22 2001
2002/0123,926 System and method for implementing a loyalty program incorporating on-line and off-line transactions 83 2001
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1227 1989
 
CITICORP CREDIT SERVICES, INC. (USA) (11)
5,825,003 Customer-directed, automated process for transferring funds between accounts using a holding account and local processing 121 1997
5,963,647 Method and system for transferring funds from an account to an individual 243 1997
5,933,816 System and method for delivering financial services 449 1997
6,012,049 System for performing financial transactions using a smartcard 177 1998
7,137,006 Method and system for single sign-on user access to multiple web servers 89 2000
2004/0010,462 Method and system for a multi-purpose transactional platform 178 2003
2004/0143,526 Establishing, modifying, and customizing account-based products 32 2003
2005/0144,143 Method and system for identity theft prevention, detection and victim assistance 33 2004
2006/0080,230 Method and system for identity theft prevention, detection and victim assistance 42 2004
2005/0251,446 Methods and systems for integration of multiple rewards programs 30 2005
2005/0234,773 Credit card mileage rewards program, system and method 29 2005
 
INDALA CORPORATION (1)
5,382,784 Hand-held dual technology identification tag reading head 236 1993
 
SMART VOUCHER LIMITED (1)
2003/0158,782 Electronic processing system 24 2003
 
THOMSON CORPORATION (1)
2005/0114,254 Financial-information systems, methods, interfaces, and software 20 2004
 
CISCO TECHNOLOGY, INC. (8)
5,848,143 Communications system using a central controller to control at least one network and agent system 233 1996
6,311,275 Method for providing single step log-on access to a differentiated computer network 93 1998
6,424,947 Distributed IRD system 168 1998
6,219,706 Access control for networks 279 1998
6,253,327 Single step network logon based on point to point protocol 149 1998
6,687,222 Backup service managers for providing reliable network services in a distributed environment 121 1999
6,775,783 Client security for networked applications 20 1999
6,847,991 Data communication among processes of a network component 79 2001
 
OUTLAND PRECIPICE CO. L.L.C. (1)
2005/0261,995 Method and system for processing tax pertaining to a goods and services transaction 38 2005
 
FDR INTERACTIVE TECHNOLOGIES (1)
5,016,270 Expanded telephone data organization system 140 1989
 
CITRIX SYSTEMS INTERNATIONAL GMBH (1)
6,243,816 Single sign-on (SSO) mechanism personal key manager 171 1998
 
KLUG, JOHN (1)
6,615,251 Method for providing node targeted content in an addressable network 52 1999
 
GRAU, EDWARD (1)
2003/0149,629 Method of point of sale investment 30 2002
 
J.P. MORGAN CHASE & CO. (1)
2005/0251,470 Mutual fund card method and system 26 2005
 
WALKER ASSET MANAGEMENT LTD. PARTNERSHIP (2)
5,923,763 Method and apparatus for secure document timestamping 151 1996
5,828,751 Method and apparatus for secure measurement certification 96 1996
 
PROACT TECHNOLOGIES CORP. (1)
2002/0184,507 Centralized single sign-on method and system for a client-server environment 82 2001
 
EMC CORPORATION (2)
5,367,572 Method and apparatus for personal identification 95 1992
5,818,936 System and method for automically authenticating a user in a distributed network system 158 1996
 
INTEL CORPORATION (3)
5,664,115 Interactive computer system to match buyers and sellers of real estate, businesses and other property using the internet 846 1995
6,792,572 Method and apparatus to approve documents 16 2000
2005/0131,761 Mobile digital coupons 74 2003
 
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data 141 1994
5,745,555 System and method using personal identification numbers and associated prompts for controlling unauthorized use of a security device and unauthorized access to a resource 179 1996
5,825,871 Information storage device for storing personal identification information 185 1996
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (1)
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 143 1995
 
ACTIVANT SOLUTIONS INC. (1)
5,765,143 Method and system for inventory management 285 1995
 
LOUDCLOUD, INC. (1)
* 2002/0161,901 System for communicating with servers using message definitions 9 2001
 
ADOBE SYSTEMS INCORPORATED (2)
7,003,565 Clickstream data collection technique 42 2001
6,766,370 Internet website traffic flow analysis using timestamp data 108 2002
 
TRILEGIANT LOYALTY SOLUTIONS, INC. (2)
2003/0200,142 On-line employee incentive system 106 2002
2002/0188,511 Interactive online point redemption system 73 2002
 
PINPOINT INCORPORATED (1)
5,835,087 System for generation of object profiles for a system for customized electronic identification of desirable objects 1073 1995
 
SONUS NETWORKS, INC. (1)
2003/0159,072 Single sign-on for multiple network -based services 82 2003
 
XATRA FUND MX, LLC (7)
7,249,112 System and method for assigning a funding source for a radio frequency identification device 83 2002
7,121,471 Method and system for DNA recognition biometrics on a fob 42 2004
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 63 2004
7,228,155 System and method for remotely initializing a RF transaction 79 2004
7,493,288 RF payment via a mobile device 58 2004
7,312,707 System and method for authenticating a RF transaction using a transaction account routing number 65 2004
2005/0077,349 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 105 2004
 
AUCTNYC 20 LLC (1)
5,969,318 Gateway apparatus for designing and issuing multiple application cards 175 1997
 
NEC CORPORATION (4)
4,663,500 Cryptographic system 26 1986
2002/0049,605 Electronic business transaction system including server device, client device and connecting terminal used therein 20 2001
6,938,158 Single sign-on system and single sign-on method for a web site and recording medium 47 2001
2005/0071,637 Password authenticating apparatus, method, and program 21 2004
 
SENSCOM, INC. (1)
2002/0120,571 Wireless financial system 42 2001
 
Lykes Bros., Inc. (1)
5,666,493 System for managing customer orders and method of implementation 471 1993
 
WALKER DIGITAL MANAGEMENT LIMITED PARTNERSHIP (1)
5,884,274 System and method for generating and executing insurance policies for foreign exchange losses 150 1996
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (19)
5,768,382 Remote-auditing of computer generated outcomes and authenticated biling and access control system using cryptographic and other protocols 788 1995
5,970,143 Remote-auditing of computer generated outcomes, authenticated billing and access control, and software metering system using cryptographic and other protocols 587 1996
5,884,270 Method and system for facilitating an employment search incorporating user-controlled anonymous communications 194 1996
5,884,272 Method and system for establishing and maintaining user-controlled anonymous communications 261 1996
5,949,875 Parallel data network billing and collection system 107 1996
6,012,983 Automated play gaming device 506 1996
6,001,016 Remote gaming device 568 1996
5,909,486 Method and apparatus for awarding and redeeming prepaid telephone time 146 1997
6,010,404 Method and apparatus for using a player input code to affect a gambling outcome 166 1997
5,926,796 Method and apparatus for selling subscriptions to periodicals in a retail environment 155 1997
5,737,414 900 number billing and collection system and method for on-line computer services 154 1997
5,949,044 Method and apparatus for funds and credit line transfers 358 1997
5,970,470 System and method for establishing and managing subscription purchase agreements including commitments to purchase goods over time at agreed upon prices 184 1997
6,119,099 Method and system for processing supplementary product sales at a point-of-sale terminal 218 1997
6,064,987 Method and apparatus for providing and processing installment plans at a terminal 231 1997
6,128,599 Method and apparatus for processing customized group reward offers 417 1997
6,049,778 Method and apparatus for administering a reward program 352 1997
5,967,896 Method and apparatus for controlling a gaming device having a plurality of balances 184 1998
6,336,104 Method and apparatus for providing and processing installment plans at a terminal 81 1999
 
WALKER DIGITAL, LLC (20)
5,871,398 Off-line remote system for lotteries and games of skill 554 1996
5,947,747 Method and apparatus for computer-based educational testing 174 1996
5,825,863 Prepaid limited usage calling card 143 1996
5,995,976 Method and apparatus for distributing supplemental information related to printed articles 108 1996
5,946,388 Method and apparatus for priority queuing of telephone calls 175 1997
5,970,478 Method, apparatus, and program for customizing credit accounts 205 1997
6,014,439 Method and apparatus for entertaining callers in a queue 130 1997
5,978,467 Method and apparatus for enabling interaction between callers with calls positioned in a queue 107 1997
6,088,444 Method and apparatus for value-based queuing of telephone calls 75 1997
6,024,640 Off-line remote lottery system 404 1997
6,144,948 Instant credit card marketing system for reservations for future services 342 1997
5,945,653 System and method for establishing and executing functions to affect credit card accounts and transactions 316 1997
6,119,093 System for syndication of insurance 198 1997
6,018,718 Method and system for processing customized reward offers 349 1997
6,163,771 Method and device for generating a single-use financial account number 260 1997
6,208,978 System and method for issuing security deposit guarantees based on credit card accounts 115 1997
6,138,106 Dynamically changing system for fulfilling concealed value gift certificate obligations 129 1997
5,999,596 Method and system for controlling authorization of credit card transactions 189 1998
6,434,534 Method and system for processing customized reward offers 100 1999
7,006,983 Method and system for processing a rebate 49 2000
 
AFFINION NET PATENTS, INC. (3)
6,578,012 Fully integrated, on-line interactive frequency and award redemption program 78 1999
2003/0036,952 Redemption system for award redemption 35 2001
2003/0195,805 On-line, interactive frequency and award redemption program 26 2003
 
DANA AUTOMOTIVE SYSTEMS GROUP, LLC (1)
6,832,587 Plastic valve cover with integrated metal 26 2003
 
MICRO ENHANCEMENT INTERNATIONAL (1)
7,024,374 Targeted marketing and purchase behavior monitoring system 75 2000
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (2)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 384 1993
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 367 1996
 
INTUIT INC. (3)
5,903,881 Personal online banking with integrated online statement and checkbook user interface 508 1997
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 56 2000
2003/0204,460 Data collection and transaction initiation using a financial messaging protocol 46 2003
 
ALCATEL-LUCENT USA INC. (1)
6,014,636 Point of sale method and system 309 1997
 
AMSTRAD PUBLIC LIMITED COMPANY (1)
5,537,473 Video recorder system 64 1995
 
CITIBANK, INC. (1)
5,056,019 Automated purchase reward accounting system and method 610 1989
 
HRB TAX GROUP, INC. (1)
7,539,635 System and method for generating a personalized tax advice document 19 2003
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 233 1985
 
WANG SOFTWARE N.Y., INC. (2)
5,446,740 Method of and apparatus for processing data at a remote workstation 172 1993
5,568,489 Method and apparatus for processing data received at a remote workstation 175 1995
 
CITICORP (2)
5,914,472 Credit card spending authorization control system 481 1997
6,188,309 Method and apparatus for minimizing credit card fraud 113 1998
 
PLUSNETMARKETING, INC. (2)
2002/0161,641 Method and system for redeeming product marketing rebates 51 2002
2004/0215,514 METHOD AND SYSTEM FOR REDEEMING PRODUCT MARKETING REBATES 36 2003
 
OGENISYS, INC. (1)
6,938,048 Universal task management system, method and product for automatically managing remote workers, including automatically training the workers 81 2001
 
HELP/SYSTEMS, LLC (1)
6,134,549 Client/server computer system having personalizable and securable views of database data 149 1995
 
WASHINGTON MUTUAL BANK, F.A. (1)
5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 425 1995
 
TADASHI ETOH (INDIVIDUAL) (1/2 OF RIGHT) (1)
6,260,026 Credit card information management system 126 1997
 
JDA SOFTWARE GROUP, INC (1)
6,983,421 Using connectors to automatically update graphical user interface elements at a client system according to an updated state of a configuration 72 2002
 
eCharge Corporation (1)
7,249,097 Method for ordering goods, services, and content over an internetwork using a virtual payment account 97 2003
 
NOVELL INTELLECTUAL PROPERTY HOLDINGS, INC. (3)
6,081,900 Secure intranet access 336 1999
6,640,302 Secure intranet access 124 2000
6,950,936 Secure intranet access 82 2003
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6,044,362 Electronic invoicing and payment system 411 1997
 
PRIVASYS (1)
2007/0034,700 Electronic cards and methods for making same 122 2006
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 349 1981
 
NetBuck Payment Service Co., Ltd. (1)
2003/0216,998 System and method for establishing and processing online transaction account based on awards resulting from transactions 21 2002
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
2002/0046,116 System and method for loyalty program distribution and settlement 71 2001
2002/0128,977 Microchip-enabled online transaction system 104 2001
2005/0149,386 AUTHORIZING THIRD PARTY PARTICIPANTS 28 2003
 
VERANCE CORPORATION (1)
6,912,315 Pre-processed information embedding system 55 2000
 
SECURITY AND INTRUSION DETECTION RESEARCH LABS, LLC (1)
2002/0078,382 Scalable system for monitoring network system and components and methodology therefore 144 2001
 
Bottomline Technologies (DE) Inc. (3)
6,223,168 Automatic remittance delivery system 190 1998
6,856,970 Electronic financial transaction system 106 2000
2003/0167,229 Modular business transations platform 64 2001
 
SENA CONSULTING INC. (1)
2003/0070,069 Authentication module for an enterprise access management system 48 2001
 
ValueCentric Marketing Group, Inc. (1)
2008/0262,915 Loyalty rewards management and processing system and method 20 2007
 
SAMSUNG ELECTRONICS CO., LTD. (1)
2003/0131,357 Method and apparatus for displaying additional information linked to digital TV program 21 2002
 
VISA INTERNATIONAL SERVICE ASSOCIATION (8)
4,701,601 Transaction card with magnetic stripe emulator 407 1985
5,465,206 Electronic bill pay system 774 1993
5,703,344 Electronic funds confirmation at point of transaction 335 1995
5,621,201 Automated purchasing control system 418 1996
5,920,847 Electronic bill pay system 706 1996
5,963,925 Electronic statement presentment system 432 1997
6,560,581 System and method for secure electronic commerce transaction 304 1998
2002/0178,112 Point of sale check service 123 2001
 
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card 173 2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag 53 2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag 52 2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag 51 2007
 
CURSYS, INC. (NOW CURRENCY SCIENTIFIC INC.) (1)
5,420,405 Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes 292 1993
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 110 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 58 2004
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 154 2000
 
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system 162 1992
 
PRAGMATUS TELECOM, LLC (1)
5,884,032 System for coordinating communications via customer contact channel changing system using call centre for setting up the call between customer and an available help agent 772 1995
 
DS-IQ, INC. (2)
6,009,411 Method and system for distributing and reconciling electronic promotions 310 1997
6,330,543 Method and system for distributing and reconciling electronic promotions 238 1998
 
GBS Systems Corporation (1)
5,341,428 Multiple cross-check document verification system 83 1992
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 190 2003
 
THE SPERRY AND HUTCHINSON COMPANY, INC. (1)
2002/0128,916 Methods, apparatus and articles-of-manufacture for distributing/redeeming a universal incentive currency 34 2001
 
NSK LTD. (1)
5,644,493 Production information processing system 101 1995
 
Urban Juice & Soda Company (1)
6,493,677 Method and apparatus for creating and ordering customized branded merchandise over a computer network 79 2000
 
PANARA ACQUISITIONS CO, LLC (1)
6,216,115 Method for multi-directional consumer purchasing, selling, and transaction management 100 1998
 
PRISM TECHNOLOGIES LLC (1)
6,516,416 Subscription access system for use with an untrusted network 288 1997
 
CHASE MANHATTAN BANK, THE (6)
5,678,046 Method and apparatus for distributing files on a file storage device 256 1995
6,038,552 Method and apparatus to process combined credit and debit card transactions 221 1997
6,418,457 Document storage and processing system for inventors that utilize timestamps and digital signatures 54 1997
6,535,855 Push banking system and method 142 1998
6,609,125 Funds transfer repair system 113 1999
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 458 2000
 
DAVO FINANCIAL SERVICES LLC (1)
2003/0105,688 Secure digital escrow account transactions system and method 83 2001
 
Prout AG (1)
6,498,657 Programmable data extractor, data analyzer, and printer report generator 42 1999
 
TIME WARNER, INC. (1)
6,539,424 Restricting deep hyperlinking on the World Wide Web 78 1999
 
FREE-PC, INC. (1)
6,907,566 Method and system for optimum placement of advertisements on a webpage 294 1999
 
NATIONAL SEMICONDUCTOR CORPORATION (1)
5,828,812 Recurrent neural network-based fuzzy logic system and method 57 1995
 
INTERNET DEVELOPMENT RESEARCH CENTER, INC. (1)
2002/0104,017 Firewall system for protecting network elements connected to a public network 56 2001
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 235 2003
 
CLUBMOM, INC. (1)
2002/0174,011 Systems and methods for conducting a loyalty program 51 2002
 
LIFEPROXY LLC (3)
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
2002/0038,282 Buyer-side auction dynamic pricing agent, system, method and computer program product 17 2001
 
YAHOO! INC. (1)
7,370,011 Financial information portal 34 2001
 
COMPUWARE CORPORATION (1)
6,519,763 Time management and task completion and prediction software 148 1999
 
PRIO, INC. (1)
2003/0009,379 System and method for providing an automatic purchase reward 69 2002
 
PROPULSION REMOTE HOLDINGS, LLC (6)
2002/0188,509 System and method for networked loyalty program 62 2001
7,613,629 System and method for the transfer of loyalty points 42 2002
7,467,096 System and method for the real-time transfer of loyalty points between accounts 48 2003
2004/0243,468 GEOGRAPHIC LOYALTY SYSTEM AND METHOD 56 2004
2005/0177,503 PAY YOURSELF FIRST LOYALTY SYSTEM AND METHOD 44 2004
2006/0053,056 CARD MEMBER DISCOUNT SYSTEM AND METHOD 102 2005
 
CYBERPULSE, L.L.C. (1)
6,154,750 Method and system for navigation and data entry in heirarchically-organized database views 104 1998
 
BIOMETRIC ACCESS COMPANY (1)
2002/0147,691 Method and system for consummating a transaction in a biometric verification system based on prior transactional histories 30 2001
 
iMarket, Incorporated (1)
6,026,398 System and methods for searching and matching databases 254 1997
 
CYBERSOURCE CORPORATION (2)
2001/0044,764 Accepting and processing electronic checks authorized via a public network 45 2001
2002/0194,119 Method and apparatus for evaluating fraud risk in an electronic commerce transaction 100 2002
 
BOSTON GEAR LLC (1)
4,964,043 System for visualizing, identifying and ordering gearing configurations 117 1988
 
MENTOR GRAPHICS CORPORATION (1)
5,815,683 Accessing a remote cad tool server 109 1996
 
IBM INTERNATIONAL GROUP BV (1)
5,758,126 Customizable bidirectional EDI translation system 188 1996
 
SCIENCE APPLICATIONS INTERNATIONAL CORPORATION (1)
2005/0055,306 User-defined dynamic collaborative environments 239 2004
 
INTELLECTUAL VENTURES II LLC (1)
6,510,464 Secure gateway having routing feature 145 1999
 
VENGTE SOFTWARE AG LIMITED LIABILITY COMPANY (1)
6,587,835 Shopping assistance with handheld computing device 853 2000
 
SIEBEL SYSTEMS, INC. (3)
5,715,450 Method of selecting and presenting data from a database using a query language to a user of a computer system 325 1995
5,873,096 Method of maintaining a network of partially replicated database system 403 1997
5,963,953 Method, and system for product configuration 394 1998
 
BMC RESOURCES, INC. (4)
5,652,786 Automated interactive bill payment system 273 1996
5,715,298 Automated interactive bill payment system using debit cards 211 1997
5,870,456 Automated interactive bill payment system using debit cards 236 1997
RE38801 Automated interactive bill payment system using debit cards 30 2003
 
ADMINASTAR COMMUNICATIONS, INC. (1)
5,644,778 Medical transaction system 207 1993
 
CONCEALOGRAM LTD. (1)
2004/0146,159 Hiding images in halftone pictures 12 2004
 
UMB INTERNATIONAL, LLC (1)
6,266,648 Benefits tracking and correlation system for use with third-party enabling organizations 66 1998
 
MicroBilt Corporation (2)
5,466,920 Real time decoding for card transaction terminal 55 1991
5,479,530 Signature capturing printer and data card terminal 131 1993
 
AOL LLC (1)
6,496,855 Web site registration proxy system 141 2000
 
VIRNETX INC. (1)
2003/0037,142 Agile network protocol for secure communications with assured system availability 62 2002
 
ACTIVCARD IRELAND LIMITED (1)
7,093,282 Method for supporting dynamic password 23 2001
 
PARALLEL NETWORKS, LLC (1)
6,446,111 Method and apparatus for client-server communication using a limited capability client over a low-speed communications link 58 1999
 
CARDIS ENTERPRISES INTERNATIONAL N.V. (1)
2003/0115,100 System and method for receiving and redeeming loyalty incentives 56 2002
 
ORACLE OTC SUBSIDIARY LLC (1)
6,791,974 Universal internet based telephony system that provides ubiquitous access for subscribers from any terminal device 50 2000
 
PARALLEL AXIS GOLF (1)
RE38717 Golf club 20 2000
 
DAVO TECHNOLOGIES LLC (1)
2004/0193,540 Selective escrow using electronic funds transfer 21 2004
 
ENTRUST, INC. (3)
6,182,142 Distributed access management of information resources 475 1998
6,453,353 Role-based navigation of information resources 323 1999
6,339,423 Multi-domain access control 180 2000
 
AEGIS TECHNOLOGIES, INC. (1)
5,606,496 Personal assistant computer method 136 1995
 
Exxon Research and Engineering Company (2)
5,072,380 Automatic vehicle recognition and customer billing system 173 1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 161 1993
 
ICONIX, INC. (1)
2005/0182,735 Method and apparatus for implementing a micropayment system to control e-mail spam 48 2004
 
AIMIA PROPRIETARY LOYALTY U.S. INC. (1)
6,138,911 In-store points redemption system and method 225 1999
 
EDATANETWORKS INC. (1)
2005/0267,800 Method, system and computer program for providing a loyalty engine enabling dynamic administration of loyalty programs 39 2004
 
EXXONMOBIL RESEARCH AND ENGINEERING COMPANY (1)
2002/0152,123 System and method for processing financial transactions 183 2002
 
SOVERAIN SOFTWARE LLC (2)
5,715,314 Network sales system 1238 1994
5,724,424 Digital active advertising 1016 1995
 
NTT DOCOMO, INC. (2)
2005/0066,037 Browser session mobility system for multi-platform applications 62 2003
7,640,321 Electronic mail delivery system, mail server, and mail client 6 2003
 
PARAGON TRADE BRANDS, INC. (1)
7,266,839 System and method for providing discriminated content to network users 19 2001
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 486 1984
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (2)
5,870,725 High volume financial image media creation and display system and method 286 1995
2009/0112,639 Combined Rewards System and Process Providing Variable Travel Redemption 24 2007
 
BONDREWARDS, INC. (2)
2002/0077,904 Loyalty program 39 2001
2005/0209,917 Employee incentive program 36 2004
 
DEUTSCHE POST AG (3)
2005/0006,286 Method and device for processing mail 20 2004
2004/0249,764 Method for verifying the validity of digital franking notes 33 2004
2005/0167,342 Method and device for processing postal articles 24 2004
 
XTEC, INCORPORATED (1)
6,901,375 Methods and apparatus for electronically storing and retrieving value information on a portable card 80 2001
 
HEARTLAND PAYMENT SYSTEMS, INC. (1)
2006/0149,671 Payment processing method and system 59 2005
 
MITSUI MINING & SMELTING CO., LTD. (1)
2004/0249,689 Basic business integrating application system, basic business support method, program for causing computer to execute the method, and computer-readable recording medium containing the program 30 2004
 
HITACHI, LTD. (10)
5,018,196 Method for electronic transaction with digital signature 131 1989
5,450,537 Method and apparatus for completing a partially completed document in accordance with a blank form from data automatically retrieved from a database 127 1993
5,774,122 Method for visual programming with aid of animation 76 1996
5,832,476 Document searching method using forward and backward citation tables 98 1996
5,952,639 Depositing, withdrawal, balance check, exchange and transfer of electronic money in automatic cash handling machine 168 1996
6,718,482 Fault monitoring system 68 2001
6,954,932 Program control system and program control method 28 2001
2002/0046,106 Method and system for modeling business card exchanges in a point-to -point value 58 2001
2002/0198,807 Product brokerage transaction processing system, and product brokerage transaction processing method and program 28 2002
2004/0249,710 Methods and apparatus for implementing loyalty programs using portable electronic data storage devices 47 2004
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 742 1995
 
Amway Corporation (1)
6,980,962 Electronic commerce transactions within a marketing system that may contain a membership buying opportunity 260 2000
 
Starbucks Corporation (1)
2005/0080,672 Creating customer loyalty 29 2004
 
Vermeer Technologies, Inc. (1)
5,819,092 Online service development tool with fee setting capabilities 540 1997
 
ERIE COUNTY INVESTMENT CO., THE (1)
5,235,509 Customer self-ordering system using information displayed on a screen 255 1989
 
Gazebo Inc. (1)
2002/0087,447 System and method for managing and executing event based investments 92 2001
 
JSA Technologies (1)
6,963,857 Network-accessible account system 69 1999
 
Bell Telephone Laboratories, Incorporated (2)
4,471,164 Stream cipher operation using public key cryptosystem 131 1981
4,984,272 Secure file handling in a computer operating system 107 1988
 
INTER*ACT SYSTEMS, INCORPORATED (9)
5,237,620 Check reader method and system for reading check MICR code 235 1992
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 550 1993
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 439 1994
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 348 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 338 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 389 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 280 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 307 1995
2002/0073,019 SYSTEM, METHOD, AND DATABASE FOR PROCESSING TRANSACTIONS 117 1997
 
ABLECO FINANCE LLC (1)
7,333,948 Method and system for cross-marketing products and services over a distributed communication network 21 2004
 
York Eggleston (1)
6,061,660 System and method for incentive programs and award fulfillment 562 1998
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 427 1995
 
VINDICATOR, 1445 OAKLAND ROAD, SAN JOSE, CA 95112-1203 (1)
4,980,913 Security system network 102 1988
 
SIEMENS AKTIENGESELLSCHAFT (1)
2003/0120,544 International incentive system 23 2002
 
COLLECTORS TOOLBOX (1)
2002/0123,955 System and method for collectibles 41 2000
 
UNTIGUOES TECHNOLOGY LLC (1)
6,178,408 Method of redeeming collectible points 247 1999
 
CHECKFREE CORPORATION (3)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 331 1995
6,289,322 Electronic bill processing 367 1998
6,678,664 Cashless transactions without credit cards, debit cards or checks 117 1999
 
FREEMAN, CRAIG (1)
6,950,826 Material and supplies ordering system 13 2000
 
FUJITSU LIMITED (13)
5,097,115 Transaction authentication system 120 1989
5,428,684 Electronic cashless transaction system 131 1992
6,003,762 Transaction terminal for an electronic cashless system 255 1994
5,539,825 Electronic cashless transaction system 209 1994
5,848,427 Information changing system and method of sending information over a network to automatically change information output on a user terminal 98 1996
5,913,202 Financial information intermediary system 395 1997
6,611,819 Electronic money apparatus, method, card and computer readable record medium having electronic money processing program recorded thereon 41 1998
2001/0029,490 Automatic transaction device and recording medium having a transaction program which can be read by a computer 23 2001
2003/0018,915 Method and system for user authentication and authorization of services 45 2001
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 87 2004
2006/0080,254 Individual authentication method, individual authentication device, and program for same 20 2005
2006/0143,117 Automated transaction control method, automated transaction device, and storage medium stored program for same 24 2005
2009/0313,110 METHOD AND SYSTEM FOR SUPPORTING SELECTION OF REWARD PROGRAM 12 2009
 
SOUND VIEW INNOVATIONS, LLC (1)
6,360,250 Apparatus and method for sharing information in simultaneously viewed documents on a communication system 183 1998
 
ASSOCIATES COMMERCE SOLUTIONS, INC. (1)
5,231,569 Account transaction system 264 1990
 
NEWGISTICS, INC. (1)
* 2001/0047,315 System and method for single-action returns of remotely purchased merchandise 25 2001
 
FIRST DATA CORPORATION (23)
6,332,126 System and method for a targeted payment system discount program 162 1996
6,141,651 Funding and settlement integrated suspense processing system 143 1998
6,820,202 Account authority digital signature (AADS) system 87 1998
6,135,349 System and method for enabling a merchant to apply for a credit card processing account using the internet 164 1999
6,202,005 System for selectively printing messages and adding inserts to merchant statements 75 1999
6,349,242 Method for selectively printing messages and adding inserts to merchant statements 67 2001
6,623,415 Sheet folding systems and methods 57 2001
2002/0198,806 Systems and methods for accessing and modifying usage parameters associated with a financial transaction account 81 2002
2003/0115,160 Weight measuring systems and methods for weighing items 52 2002
6,938,156 ABDS system and verification status for authenticating entity access 74 2003
6,950,940 ABDS method utilizing security information in authenticating entity access 36 2003
2003/0171,992 System and methods for redeeming rewards associated with accounts 64 2003
2005/0086,166 Systems and methods for fraud management in relation to stored value cards 30 2003
2005/0125,295 Systems and methods for obtaining payor information at a point of sale 45 2003
2005/0125,337 Systems and methods for identifying payor location based on transaction data 37 2003
2005/0125,338 Systems and methods for assessing the risk of a financial transaction using reconciliation information 53 2003
2005/0125,350 Systems and methods for assessing the risk of financial transaction using geographic-related information 54 2003
2005/0125,360 Systems and methods for obtaining authentication marks at a point of sale 74 2003
7,640,205 Systems and methods for accessing reconcilement information 18 2003
2005/0137,982 Systems and methods for determining a reconcilement result 34 2003
2005/0149,440 Systems and methods for routing requests for reconcilement information 23 2003
7,580,857 Methods and systems for online transaction processing 118 2004
2007/0088,950 ACCOUNT-BASED DIGITAL SIGNATURE (ABDS) SYSTEM USING BIOMETRICS 15 2006
 
THINK TEK, INC. (2)
2002/0198,803 Method and apparatus for facilitating monetary and commercial transactions and for providing consumer reward programs 39 2002
2005/0131,792 Financial transaction system with integrated, automatic reward detection 55 2005
 
AINSWORTH GAME TECHNOLOGY LIMITED (1)
2003/0061,098 Consumer incentive system 22 2002
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5,265,033 ATM/POS based electronic mail system 422 1991
5,473,143 ATM/POS based electronic mail system 301 1993
 
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 178 1999
 
Fox Chase Bank (1)
2005/0273,387 Apparatus and method for rewarding consumers 37 2004
 
BAKKER, ANTON (1)
2003/0205,617 Self contained electronic loyalty system 29 2003
 
TELECOM ITALIA S.P.A. (1)
6,738,779 Apparatus for and method of multiple parallel string searching 61 2001
 
RED HAT, INC. (1)
5,987,454 Method and apparatus for selectively augmenting retrieved text, numbers, maps, charts, still pictures and/or graphics, moving pictures and/or graphics and audio information from a network resource 501 1997
 
LVWA, LLC (1)
2002/0082,962 Value transfer system for unbanked customers 83 2001
 
CASIO COMPUTER CO., LTD. (2)
4,697,072 Identification card and authentication system therefor 122 1985
4,801,787 IC card identification system having first and second data identification functions 82 1986
 
OUTSITE NETWORKS, INC. (1)
2005/0023,346 System and method for providing incentives based on receipt sniffing 31 2004
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 108 1990
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 823 1995
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 277 1994
 
NPAX, Inc. (1)
2002/0002,495 INTEGRATED PHARMACEUTICAL ACCOUNTS MANAGEMENT SYSTEM AND METHOD 119 2000
 
PALUS A4, LLC (1)
6,931,382 Payment instrument authorization technique 87 2001
 
Paymentech, Inc. (1)
6,169,974 Method for closed loop processing of transactions utilizing bank card association 79 1998
 
SIEMENS MEDICAL SOLUTIONS HEALTH SERVICES CORPORATION (1)
2004/0199,406 System for monitoring payment for provision of services to an entity 34 2004
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 106 2001
 
PAYPAL, INC. (3)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 811 1994
6,246,996 Computerized system for facilitating transactions between parties on the internet using e-mail 226 1998
7,089,208 System and method for electronically exchanging value among distributed users 251 2000
 
E-KOOPON S.A.R.L. (1)
2002/0010,627 System and method for creation, distribution, exchange, redemption and tracking of digitally signed electronic coupons 47 2001
 
JPMORGAN CHASE BANK, N.A. (51)
6,266,683 Computerized document management system 150 1997
6,006,249 Method and apparatus for concurrent data processing 125 1997
6,070,244 Computer network security management system 277 1997
6,438,666 Method and apparatus for controlling access to confidential data by analyzing property inherent in data 72 1998
6,301,567 Lockbox browser system 100 1998
6,227,447 Cardless payment system 412 1999
7,389,256 Network based financial transaction processing system 33 1999
6,557,039 System and method for managing information retrievals from distributed archives 212 1999
7,426,530 System and method for providing customers with seamless entry to a remote server 30 2000
7,058,817 System and method for single sign on process for websites with multiple applications and services 50 2000
7,747,866 System and method providing improved error detection related to transmission of data over a communication link 6 2000
7,542,921 Network-based financial planning system and method 14 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 96 2000
6,631,849 Selectable multi-purpose card 411 2000
6,341,724 Cardless payment system 187 2001
6,532,284 Method and system for optimizing bandwidth cost via caching and other network transmission delaying techniques 113 2001
6,772,146 Website for financial information 84 2001
7,249,095 System and method for executing deposit transactions over the internet 22 2001
2002/0077,978 Method and system for processing internet payments 335 2001
7,246,263 System and method for portal infrastructure tracking 15 2001
7,103,556 System and method for aggregate portfolio client support 106 2001
2002/0116,331 System and method for selectable funding of electronic transactions 94 2001
2003/0101,116 System and method for providing customers with seamless entry to a remote server 17 2001
2003/0105,981 System and method for single session sign-on 93 2001
2003/0220,989 Method and system for client browser update 16 2002
7,689,506 System and method for rapid updating of credit information 13 2002
7,587,363 System and method for optimized funding of electronic transactions 117 2002
7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture 14 2002
7,689,504 System and method for establishing or modifying an account with user selectable terms 36 2002
2003/0187,787 System and process for performing purchase transactions using tokens 142 2003
2004/0111,363 Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts 87 2003
2004/0243,506 System and method for offering risk-based interest rates in a credit instrument 31 2003
2005/0065,877 Method and system for distribution of unactivated bank account cards 52 2003
2004/0122,736 System and method for granting promotional rewards to credit account holders 102 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 79 2004
2005/0091,492 Portable security transaction protocol 49 2004
7,707,111 Customer activated multi-value (CAM) card 32 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 41 2004
7,191,952 Selectable multi-purpose card 99 2004
2006/0106,703 System and method for aggregate portfolio client support 72 2005
2006/0116,949 System for automatically transferring account information, such as information regarding a financial services account 61 2006
2006/0122,943 System for providing cardless payment 9 2006
7,444,672 System and method for single sign on process for websites with multiple applications and services 19 2006
7,801,814 System and method for selectable funding of electronic transactions 13 2006
7,357,331 Selectable multi-purpose card 54 2006
2007/0260,706 SYSTEM AND METHOD FOR PORTAL INFRASTRUCTURE TRACKING 5 2007
7,680,731 System and method for executing deposit transactions over the internet 4 2007
7,680,732 System and method for executing deposit transactions over the internet 4 2007
2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 74 2007
2008/0184,315 Electronic television program guide schedule system and method with remote product ordering 44 2007
2009/0192,940 SYSTEM FOR PROVIDING CARDLESS PAYMENT 11 2009
 
NELNET, INC. (1)
2002/0161,630 Loyalty reward program for reducing the balance of a loan obligation 85 2000
 
MICROSOFT TECHNOLOGY LICENSING, LLC (8)
7,089,585 Method and system for authorizing a client computer to access a server computer 48 2000
7,051,330 Generic application server and method of operation therefor 76 2000
6,892,231 Method and apparatus for verifying the contents of a global configuration file 52 2000
7,203,909 System and methods for constructing personalized context-sensitive portal pages or views by analyzing patterns of users' information access activities 79 2002
7,545,931 Protection of application secrets 21 2002
7,076,453 System and method for designing and operating an electronic store 68 2002
7,549,170 System and method of inkblot authentication 7 2003
7,299,201 System and method for designing and operating an electronic store 24 2006
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (2)
5,825,870 Methods and apparatus for implementing a network call center 100 1996
6,170,011 Method and apparatus for determining and initiating interaction directionality within a multimedia communication center 383 1998
 
CONCIERGE NETWORKS INCORPORATED (1)
2005/0102,178 Systems and methods for generating multiple revenue streams involving the use of an integrated appliance 24 2003
 
SANTA CRUZ NETWORKS, INC. (1)
2003/0041,165 System and method for group video teleconferencing using a bandwidth optimizer 26 2001
 
EFUNDS CORPORATION (1)
2002/0120,846 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 158 2002
 
CK GLOBAL INC. (1)
2002/0019,938 Method and apparatus for secure identification for networked environments 51 2001
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 414 1996
 
PSC SCANNING, INC. (1)
5,789,732 Portable data module and system for consumer transactions 167 1996
 
QUALCOMM INCORPORATED (3)
2001/0055,391 System and method for extracting, decoding, and utilizing hidden data embedded in audio signals 52 2001
2006/0091,853 Battery disable/enable control circuitry of a portable computing device 2005
2006/0091,853 Battery disable/enable control circuitry of a portable computing device 2005
 
ENTERASYS NETWORKS, INC. (2)
2003/0149,756 Configuration management method and system 43 2002
7,152,242 Modular system for detecting, filtering and providing notice about attack events associated with network security 56 2002
 
SWISS REINSURANCE CORPORATION (1)
2004/0117,658 Security monitoring and intrusion detection system 24 2003
 
FAIR ISAAC CORPORATION (2)
5,794,178 Visualization of information using graphical representations of context vector based relationships and attributes 386 1996
2004/0181,441 Model-based and data-driven analytic support for strategy development 36 2004
 
SUNTEC CITY DEVELOPMENT PTE LTD (1)
2002/0087,349 System and method for increasing perceived value of property to tenants 23 2001
 
RELIANCE DATA, L.P. (1)
6,421,768 Method and system for authentication and single sign on using cryptographically assured cookies in a distributed computer environment 129 1999
 
MPOWER MOBILE, INC. (1)
2007/0203,850 Multifactor authentication system 35 2007
 
PRINCIPIA PARTNERS LLC (1)
2002/0111,891 Accounting system for dynamic state of the portfolio reporting 80 2001
 
CLOUDING CORP. (1)
6,925,481 Technique for enabling remote data access and manipulation from a pervasive device 53 2001
 
E-Loan, Inc. (1)
2005/0097,033 Debt management system 42 2004
 
LIFESHIELD SCIENCES LLC (1)
6,016,810 Endovasular aortic graft 88 1998
 
SEARCHLITE ADVANCES, LLC (2)
6,108,642 Device for selectively blocking remote purchase requests 96 1998
6,714,919 Device for selectively blocking remote purchase requests 31 2000
 
UNISYS CORPORATION (1)
2005/0193,056 Message transfer using multiplexed connections in an open system interconnection transaction processing environment 26 2002
 
C-SAM, INC. (1)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 723 1994
 
LOANX CORPORATION (1)
5,966,699 System and method for conducting loan auction over computer network 327 1996
 
MONEYFAX, INC. (4)
4,454,414 Funds transfer system using optically coupled, portable modules 465 1982
4,523,087 Transaction verification system using optical coupling data communication link 139 1982
5,122,950 Method of and system for electronic funds transfer via facsimile machines 168 1989
5,265,008 Method of and system for electronic funds transfer via facsimile with image processing verification 206 1991
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
AUTHENTEC, INC. (1)
* 2010/0321,159 TOUCH BASED DATA COMMUNICATION USING BIOMETRIC FINGER SENSOR AND ASSOCIATED METHODS 3 2010
 
BANK OF AMERICA, N.A. (1)
* 2012/0022,987 Personal Data Aggregation, Integration and Access 0 2010
 
CRICKET MEDIA, INC. (1)
* 2011/0119,598 DYNAMIC COLLABORATION IN SOCIAL NETWORKING ENVIRONMENT 1 2010
 
BANK OF AMERICA CORPORATION (1)
* 8,417,604 Personal data aggregation, integration and access 0 2010
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Nov 22, 2015
7.5 Year Payment $3600.00 $1800.00 $900.00 Nov 22, 2019
11.5 Year Payment $7400.00 $3700.00 $1850.00 Nov 22, 2023
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Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
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