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, NY2401

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bowers, Theodore J Wilmington, DE 4 22
Ilijasic, Dean Wilmington, DE 15 99
Sanders, Shelley F Landenberg, PA 15 62

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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MICROSOFT CORPORATION (24)
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WALKER DIGITAL, LLC (23)
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CITIBANK, N.A. (18)
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III HOLDINGS 1, LLC (13)
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CATALINA MARKETING CORPORATION (11)
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HITACHI, LTD. (10)
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INTER*ACT SYSTEMS, INCORPORATED (9)
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TEXTURA CORPORATION (9)
2005/0289,051 Construction payment management system and method 29 2005
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2006/0271,478 Construction payment management system and method with hierarchical invoicing and direct payment features 9 2006
2006/0271,479 Construction payment management system and method with budget reconciliation features 8 2006
2006/0271,397 Construction payment management system and method with automatic workflow management features 10 2006
2006/0271,480 Construction payment management system and method with graphical user interface features 9 2006
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7,490,064 Construction payment management system and method with budget reconciliation features 7 2007
 
CISCO TECHNOLOGY, INC. (8)
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CITICORP DEVELOPMENT CENTER, INC. (8)
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EBAY INC. (8)
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VISA INTERNATIONAL SERVICE ASSOCIATION (8)
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5,920,847 Electronic bill pay system 674 1996
5,963,925 Electronic statement presentment system 416 1997
6,560,581 System and method for secure electronic commerce transaction 282 1998
2002/0178,112 Point of sale check service 115 2001
 
YT ACQUISITION CORPORATION (8)
5,615,277 Tokenless security system for authorizing access to a secured computer system 290 1994
5,838,812 Tokenless biometric transaction authorization system 298 1996
5,805,719 Tokenless identification of individuals 387 1997
6,366,682 Tokenless electronic transaction system 120 1998
6,230,148 Tokenless biometric electric check transaction 144 1999
6,269,348 Tokenless biometric electronic debit and credit transactions 226 1999
6,154,879 Tokenless biometric ATM access system 239 1999
2009/0228,362 TOKENLESS BIOMETRIC ELECTRONIC FINANCIAL TRANSACTIONS VIA A THIRD PARTY IDENTICATOR 18 2009
 
CHESS VENTURES LLC (7)
6,805,288 Method for generating customer secure card numbers subject to use restrictions by an electronic card 190 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 56 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 56 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 56 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 56 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 56 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 56 2001
 
PRIVASYS, INC. (7)
6,592,044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 233 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 198 2000
6,755,341 Method for storing data in payment card transaction 137 2000
7,195,154 Method for generating customer secure card numbers 131 2001
2003/0061,168 Method for generating customer secure card numbers 15 2001
2003/0061,168 Method for generating customer secure card numbers 15 2001
2007/0215,688 Method for Generating Customer Secure Card Numbers 30 2007
 
UNWIRED PLANET, LLC (7)
6,065,120 Method and system for self-provisioning a rendezvous to ensure secure access to information in a database from multiple devices 248 1997
6,754,833 Method for generating and distributing telecom and internet revenue 144 1999
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 9 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 9 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 9 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 9 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 9 2000
 
VISA U.S.A. INC. (7)
4,605,820 Key management system for on-line communication 132 1983
7,356,516 Method and system for facilitating electronic dispute resolution 49 2002
6,920,611 Method and system for implementing a loyalty merchant component 71 2003
2005/0071,225 System and apparatus for linking multiple rewards programs to promote the purchase of specific product mixes 88 2003
2005/0071,226 Method and system for managing dynamic terms and conditions and user interaction 61 2003
2005/0071,227 Method and system for managing concurrent sku-based rewards program 66 2003
2006/0080,243 System and method for issuer originated payments for on-line banking bill payments 45 2005
 
XATRA FUND MX, LLC (7)
7,249,112 System and method for assigning a funding source for a radio frequency identification device 76 2002
7,121,471 Method and system for DNA recognition biometrics on a fob 39 2004
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 59 2004
7,228,155 System and method for remotely initializing a RF transaction 70 2004
7,493,288 RF payment via a mobile device 53 2004
7,312,707 System and method for authenticating a RF transaction using a transaction account routing number 59 2004
2005/0077,349 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 96 2004
 
ACCENTURE GLOBAL SERVICES LIMITED (6)
5,592,378 Computerized order entry system and method 389 1994
6,718,535 System, method and article of manufacture for an activity framework design in an e-commerce based environment 382 1999
6,438,594 Delivering service to a client via a locally addressable interface 452 1999
6,671,818 Problem isolation through translating and filtering events into a standard object format in a network based supply chain 424 1999
7,124,101 Asset tracking in a network-based supply chain environment 376 1999
2002/0111,890 Financial modeling and counseling system 85 2001
 
CANON KABUSHIKI KAISHA (6)
6,144,946 Accounting device, communicating apparatus, and communication system 155 1997
6,009,442 Computer-based document management system 278 1997
6,182,225 Network data base control device and method thereof 69 1998
6,807,285 Embedding information in digital image data 54 1999
6,804,786 User customizable secure access token and multiple level portable interface 50 2000
2004/0111,610 Secure file format 26 2002
 
CHASE MANHATTAN BANK, THE (6)
5,678,046 Method and apparatus for distributing files on a file storage device 241 1995
6,038,552 Method and apparatus to process combined credit and debit card transactions 209 1997
6,418,457 Document storage and processing system for inventors that utilize timestamps and digital signatures 52 1997
6,535,855 Push banking system and method 130 1998
6,609,125 Funds transfer repair system 109 1999
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 433 2000
 
CITICORP CREDIT SERVICES, INC. (6)
2004/0010,462 Method and system for a multi-purpose transactional platform 164 2003
2004/0143,526 Establishing, modifying, and customizing account-based products 30 2003
2005/0144,143 Method and system for identity theft prevention, detection and victim assistance 27 2004
2006/0080,230 Method and system for identity theft prevention, detection and victim assistance 39 2004
2005/0251,446 Methods and systems for integration of multiple rewards programs 28 2005
2005/0234,773 Credit card mileage rewards program, system and method 28 2005
 
HEWLETT-PACKARD COMPANY (6)
5,212,792 Method and apparatus for controlling execution of tools in a computer-aided software engineering system 75 1989
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 308 1990
5,933,812 Portable transaction terminal system 185 1995
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 537 1996
5,889,863 System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture 292 1996
6,061,665 System, method and article of manufacture for dynamic negotiation of a network payment framework 277 1997
 
LUCENT TECHNOLOGIES INC. (6)
5,570,295 System and method of capturing encoded data transmitted over a communications network in a video system 285 1994
5,857,079 Smart card for automatic financial records 305 1994
5,657,383 Flexible customer controlled telecommunications handling 120 1995
6,005,943 Electronic identifiers for network terminal devices 77 1996
5,961,593 System and method for providing anonymous personalized browsing by a proxy system in a network 380 1997
6,618,579 Tunable filter with bypass 112 1999
 
MASTERCARD INTERNATIONAL INCORPORATED (6)
5,023,782 Travelers cheque transaction terminal 242 1990
5,692,132 System and method for conducting cashless transactions on a computer network 519 1995
5,699,528 System and method for bill delivery and payment over a communications network 980 1995
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 128 2001
2008/0133,350 METHOD AND APPARATUS FOR REWARD REDEMPTION AT THE POINT OF INTERACTION 28 2007
2009/0171,778 METHODS AND SYSTEMS FOR APPLYING A REWARDS PROGRAM PROMOTION TO PAYMENT TRANSACTIONS 25 2007
 
NEXTCARD, LLC (6)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 356 1998
6,405,181 Method and apparatus for real time on line credit approval 282 1998
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 137 1998
6,795,812 Implementing a counter offer for an on line credit card application 73 2000
7,143,063 Method and apparatus for a verifiable on line rejection of an applicant for credit 75 2003
2005/0004,864 Implementing a counter offer for an on line credit card application 31 2004
 
ORACLE INTERNATIONAL CORPORATION (6)
6,332,192 Generalized user identification and authentication system 72 1998
6,145,086 Security and password mechanisms in a database system 61 1999
6,487,641 Dynamic caches with miss tables 80 2000
6,675,261 Request based caching of data store data 126 2001
2003/0097,574 Systems and methods for integration adapter security 37 2002
2007/0234,408 Methods and systems for multifactor authentication 29 2006
 
PROPULSION REMOTE HOLDINGS, LLC (6)
2002/0188,509 System and method for networked loyalty program 56 2001
7,613,629 System and method for the transfer of loyalty points 34 2002
7,467,096 System and method for the real-time transfer of loyalty points between accounts 37 2003
2004/0243,468 GEOGRAPHIC LOYALTY SYSTEM AND METHOD 50 2004
2005/0177,503 PAY YOURSELF FIRST LOYALTY SYSTEM AND METHOD 36 2004
2006/0053,056 CARD MEMBER DISCOUNT SYSTEM AND METHOD 85 2005
 
SIGNATURE SYSTEMS LLC (6)
6,594,640 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 221 2000
6,947,898 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 103 2003
6,820,061 Method and system for exchange and aggregation of reward points via a global computer network 104 2003
6,829,586 Method and system for aggregation of reward points for payment of auctioned items 105 2003
6,842,739 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 105 2003
7,512,551 Method and system for implementing a search engine with reward components and payment components 24 2005
 
AMAZON.COM, INC. (5)
5,727,163 Secure method for communicating credit card data when placing an order on a non-secure network 347 1995
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 537 1995
6,029,141 Internet-based customer referral system 998 1997
5,960,411 Method and system for placing a purchase order via a communications network 1290 1997
2002/0152,163 Network based user-to-user payment service 72 2001
 
GENERAL ELECTRIC CAPITAL CORPORATION (5)
6,970,830 Methods and systems for analyzing marketing campaigns 128 1999
7,003,476 Methods and systems for defining targeted marketing campaigns using embedded models and historical data 58 1999
7,006,979 Methods and systems for creating models for marketing campaigns 44 1999
7,010,495 Methods and systems for analyzing historical trends in marketing campaigns 37 1999
6,901,406 Methods and systems for accessing multi-dimensional customer data 87 2000
 
GOOGLE INC. (5)
5,534,855 Method and system for certificate based alias detection 227 1994
6,005,939 Method and apparatus for storing an internet user's identity and access rights to world wide web resources 175 1996
6,589,291 Dynamically determining the most appropriate location for style sheet application 92 1999
6,697,947 Biometric based multi-party authentication 147 1999
2002/0133,481 Methods and apparatus for providing search results in response to an ambiguous search query 38 2000
 
ALIGN TECHNOLOGY, INC. (4)
2002/0188,478 Health-care systems and methods 44 2002
2005/0182,654 Systems and methods for providing treatment planning 23 2004
2005/0159,986 Health-care systems and methods 38 2005
2006/0064,329 Health-care e-commerce systems and methods 27 2005
 
ASPECT SOFTWARE, INC. (4)
5,675,637 Method for automatically obtaining and presenting data from multiple data sources 139 1995
5,640,577 Data processing system with automated at least partial forms completion 313 1995
5,790,650 Telephone call center management system which supports multi-user and separate private applications 97 1996
5,963,635 Method and apparatus for providing result-oriented customer service 191 1996
 
BMC RESOURCES, INC. (4)
5,652,786 Automated interactive bill payment system 265 1996
5,715,298 Automated interactive bill payment system using debit cards 206 1997
5,870,456 Automated interactive bill payment system using debit cards 227 1997
RE38801 Automated interactive bill payment system using debit cards 27 2003
 
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card 160 2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag 48 2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag 47 2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag 46 2007
 
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems 66 2002
D490840 Proximity interface for transaction acceptance systems 53 2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems 58 2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems 51 2003
 
KABUSHIKI KAISHA TOSHIBA (4)
4,641,239 Automatic-transfer-transaction processing apparatus 95 1984
5,225,664 Mutual authentication system 61 1991
6,409,080 Portable electronic device and loyalty point system 59 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 18 2003
 
Midnight Blue Remote Access LLC (4)
6,292,786 Method and system for generating incentives based on substantially real-time product purchase information 327 1999
6,609,104 Method and system for accumulating marginal discounts and applying an associated incentive 53 1999
6,611,811 Method and system for accumulating marginal discounts and applying an associated incentive upon achieving threshold 106 1999
6,516,302 Method and system for accumulating marginal discounts and applying an associated incentive upon achieving one of a plurality of thresholds 88 1999
 
MONEYFAX, INC. (4)
4,454,414 Funds transfer system using optically coupled, portable modules 448 1982
4,523,087 Transaction verification system using optical coupling data communication link 136 1982
5,122,950 Method of and system for electronic funds transfer via facsimile machines 162 1989
5,265,008 Method of and system for electronic funds transfer via facsimile with image processing verification 194 1991
 
NCR CORPORATION (4)
6,539,363 Write input credit transaction apparatus and method with paperless merchant credit card processing 83 1990
5,835,603 Financial transaction system 147 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) 259 1997
6,564,189 Universal methods and apparatus for determining prices and rewards within retail transactions 36 1998
 
NEC CORPORATION (4)
4,663,500 Cryptographic system 25 1986
2002/0049,605 Electronic business transaction system including server device, client device and connecting terminal used therein 18 2001
6,938,158 Single sign-on system and single sign-on method for a web site and recording medium 41 2001
2005/0071,637 Password authenticating apparatus, method, and program 18 2004
 
Realtime Data LLC (4)
6,624,761 Content independent data compression method and system 88 2001
7,417,568 System and method for data feed acceleration and encryption 61 2003
7,161,506 Systems and methods for data compression such as content dependent data compression 69 2003
7,400,274 System and method for data feed acceleration and encryption 34 2007
 
ZYNGA INC. (4)
5,921,864 Electronic word puzzle game 70 1996
5,798,508 Postpaid traveler's checks 83 1996
6,006,205 Credit card billing method and system 135 1997
6,360,209 Credit card billing method and system 56 1999
 
AFFINION NET PATENTS, INC. (3)
6,578,012 Fully integrated, on-line interactive frequency and award redemption program 65 1999
2003/0036,952 Redemption system for award redemption 33 2001
2003/0195,805 On-line, interactive frequency and award redemption program 23 2003
 
AKAMAI TECHNOLOGIES, INC. (3)
6,763,388 Method and apparatus for selecting and viewing portions of web pages 81 1999
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 25 2009
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 25 2009
 
AMAZON TECHNOLOGIES, INC. (3)
7,599,856 Detection of fraudulent attempts to initiate transactions using modified display objects 24 2002
2006/0015,463 Performing automatically authorized programmatic transactions 34 2004
2006/0036,553 Automatic authorization of programmatic transactions 93 2004
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
2002/0046,116 System and method for loyalty program distribution and settlement 62 2001
2002/0128,977 Microchip-enabled online transaction system 97 2001
2005/0149,386 AUTHORIZING THIRD PARTY PARTICIPANTS 25 2003
 
AT&T CORP. (3)
5,835,580 Method and apparatus for automated provisioning and billing of communication services 205 1996
5,950,174 Affiliation-based arrangement for billing 135 1997
2007/0283,436 Method and apparatus for large-scale automated distributed denial of service attack detection 11 2006
 
Bottomline Technologies (DE) Inc. (3)
6,223,168 Automatic remittance delivery system 180 1998
6,856,970 Electronic financial transaction system 99 2000
2003/0167,229 Modular business transations platform 58 2001
 
BRIGHT RESPONSE, LLC (3)
6,182,059 Automatic electronic message interpretation and routing system 154 1997
6,278,996 System and method for message process and response 95 1998
6,411,947 Automatic message interpretation and routing system 123 1998
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (3)
5,802,502 System for selective communication connection based on transaction pricing signals 432 1994
2003/0001,888 Data transfer method and apparatus 33 2002
2004/0117,409 Application synchronisation 39 2003
 
BuildNet, Inc. (3)
5,923,552 Systems and methods for facilitating the exchange of information between separate business entities 83 1996
6,115,641 Systems and methods for facilitating the exchange of information between separate business entities 39 1998
6,115,642 Systems and methods for facilitating the exchange of information between separate business entities 81 1998
 
CHECKFREE CORPORATION (3)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 322 1995
6,289,322 Electronic bill processing 348 1998
6,678,664 Cashless transactions without credit cards, debit cards or checks 105 1999
 
COIN, INC. (3)
2006/0249,574 Automated payment card fraud detection and location 60 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 75 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 53 2006
 
DATATREASURY CORPORATION (3)
5,787,403 Bank-centric service platform, network and system 301 1995
6,182,052 Communications network interface for user friendly interactive access to online services 148 1997
5,899,982 Bank-centric service platform, network and system 182 1998
 
DECISIONING.COM, INC. (3)
5,870,721 System and method for real time loan approval 640 1996
5,940,811 Closed loop financial transaction method and apparatus 499 1996
6,105,007 Automatic financial account processing system 417 1999
 
DEUTSCHE POST AG (3)
2005/0006,286 Method and device for processing mail 18 2004
2004/0249,764 Method for verifying the validity of digital franking notes 30 2004
2005/0167,342 Method and device for processing postal articles 21 2004
 
EASYCHECK, INC. (3)
2004/0111,371 Methods and systems for check processing 32 2003
2005/0199,708 Method for a host based smart card 42 2004
2005/0203,857 Methods for transaction processing 73 2005
 
ENTRUST, INC. (3)
6,182,142 Distributed access management of information resources 440 1998
6,453,353 Role-based navigation of information resources 302 1999
6,339,423 Multi-domain access control 167 2000
 
GENERAL ELECTRIC COMPANY (3)
4,845,347 Transaction system 70 1986
2002/0069,158 Method and system for providing a secured multi-purpose electronic account 26 2000
2002/0152,279 Personalized intranet portal 58 2001
 
INTEL CORPORATION (3)
5,664,115 Interactive computer system to match buyers and sellers of real estate, businesses and other property using the internet 806 1995
6,792,572 Method and apparatus to approve documents 15 2000
2005/0131,761 Mobile digital coupons 65 2003
 
INTUIT INC. (3)
5,903,881 Personal online banking with integrated online statement and checkbook user interface 486 1997
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 49 2000
2003/0204,460 Data collection and transaction initiation using a financial messaging protocol 40 2003
 
NOVELL INTELLECTUAL PROPERTY HOLDINGS, INC. (3)
6,081,900 Secure intranet access 306 1999
6,640,302 Secure intranet access 112 2000
6,950,936 Secure intranet access 75 2003
 
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 329 1992
6,219,639 Method and apparatus for recognizing identity of individuals employing synchronized biometrics 147 1998
6,411,933 Methods and apparatus for correlating biometric attributes and biometric attribute production features 49 1999
 
ONLINE RESOURCES CORPORATION (3)
5,220,501 Method and system for remote delivery of retail banking services 1342 1989
5,870,724 Targeting advertising in a home retail banking delivery service 432 1995
6,202,054 Method and system for remote delivery of retail banking services 377 1998
 
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 489 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 193 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 197 1997
 
PAYPAL, INC. (3)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 776 1994
6,246,996 Computerized system for facilitating transactions between parties on the internet using e-mail 206 1998
7,089,208 System and method for electronically exchanging value among distributed users 237 2000
 
PHOENIX LICENSING, LLC (3)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 441 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 314 1997
6,999,938 Automated reply generation direct marketing system 83 1999
 
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 218 1995
5,873,096 Method of maintaining a network of partially replicated database system 295 1997
5,963,953 Method, and system for product configuration 291 1998
 
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data 132 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 168 1996
5,825,871 Information storage device for storing personal identification information 174 1996
 
THE WESTERN UNION COMPANY (3)
7,440,923 Method and apparatus for preauthorizing electronic fund transfers without actual written authentication 9 1999
2003/0158,818 Systems and methods for operating loyalty programs 53 2002
2005/0125,296 Systems and methods for obtaining biometric information at a point of sale 35 2003
 
XEROX CORPORATION (3)
5,857,023 Space efficient method of redeeming electronic payments 29 1996
7,051,199 System, method and article of manufacture for providing cryptographic services utilizing a network 23 2000
2007/0019,806 System and method for establishing secondary channels 8 2006
 
YODLEE.COM, INC. (3)
6,199,077 Server-side web summary generation and presentation 247 1999
2002/0023,108 AUTOMATIC WEB FORM INTERACTION PROXY 75 1999
7,225,464 Method for verifying the identity of a user for session authentication purposes during Web navigation 30 2002
 
ADOBE SYSTEMS INCORPORATED (2)
7,003,565 Clickstream data collection technique 38 2001
6,766,370 Internet website traffic flow analysis using timestamp data 103 2002
 
ALCATEL-LUCENT USA INC. (2)
6,014,636 Point of sale method and system 296 1997
6,360,250 Apparatus and method for sharing information in simultaneously viewed documents on a communication system 175 1998
 
APPLE INC. (2)
6,714,987 Architecture for an IP centric distributed network 223 1999
2005/0198,634 Assigning tasks in a distributed system 21 2004
 
ARRIS ENTERPRISES, INC. (2)
7,313,802 Method and system to provide deals and promotions via an interactive video casting system 37 2000
7,266,835 Method and apparatus for secure transactions in an interactive television ticker 34 2002
 
AT&T Bell Laboratories (2)
5,253,294 Secure transmission system 81 1983
5,311,594 Fraud protection for card transactions 315 1993
 
AT&T IPM CORP. (2)
5,450,491 Authenticator card and system 111 1993
5,541,583 Arrangement for interrogating portable data communication devices 145 1995
 
Atalla Corporation (2)
5,319,710 Method and means for combining and managing personal verification and message authentication encrytions for network transmission 76 1986
4,965,568 Multilevel security apparatus and method with personal key 83 1989
 
AVAYA INC. (2)
5,740,231 Network-based multimedia communications and directory system and method of operation 447 1994
6,161,182 Method and apparatus for restricting outbound access to remote equipment 95 1998
 
BANK OF AMERICA CORPORATION (2)
6,128,602 Open-architecture system for real-time consolidation of information from multiple financial systems 322 1998
6,789,115 System for collecting, analyzing, and reporting high volume multi-web server usage 75 1999
 
Bell Telephone Laboratories, Incorporated (2)
4,471,164 Stream cipher operation using public key cryptosystem 121 1981
4,984,272 Secure file handling in a computer operating system 104 1988
 
BONDREWARDS, INC. (2)
2002/0077,904 Loyalty program 36 2001
2005/0209,917 Employee incentive program 33 2004
 
CASIO COMPUTER CO., LTD. (2)
4,697,072 Identification card and authentication system therefor 117 1985
4,801,787 IC card identification system having first and second data identification functions 80 1986
 
CATALINA MARKETING INTERNATIONAL, INC. (2)
2001/0023,407 Method and apparatus for distributing and redeeming offers and incentives 34 2001
2002/0133,401 Method and system for accumulating coupon values in an account for future redemption 20 2001
 
CHASE BANK USA, NATIONAL ASSOCIATION (2)
7,426,530 System and method for providing customers with seamless entry to a remote server 28 2000
2003/0187,787 System and process for performing purchase transactions using tokens 131 2003
 
CHASE MANHATAN BANK USA, N.A. (2)
6,032,136 Customer activated multi-value (CAM) card 399 1998
6,865,547 Customer activated multi-value (CAM) card 138 2000
 
CITICORP (2)
5,914,472 Credit card spending authorization control system 452 1997
6,188,309 Method and apparatus for minimizing credit card fraud 109 1998
 
CYBERSOURCE CORPORATION (2)
2001/0044,764 Accepting and processing electronic checks authorized via a public network 43 2001
2002/0194,119 Method and apparatus for evaluating fraud risk in an electronic commerce transaction 95 2002
 
DFS SERVICES LLC (2)
7,630,935 Award system with increased payout options 22 2003
2005/0096,976 Inverted tier rebate system 23 2003
 
DS-IQ, INC. (2)
6,009,411 Method and system for distributing and reconciling electronic promotions 288 1997
6,330,543 Method and system for distributing and reconciling electronic promotions 217 1998
 
E-TALK CORPORATION (2)
5,621,789 Method and system for integrating a plurality of call center agent performance enhancement modules 135 1993
5,684,870 Method and system for transferring calls and call-related data between a plurality of call centers 165 1996
 
EMC CORPORATION (2)
5,367,572 Method and apparatus for personal identification 91 1992
5,818,936 System and method for automically authenticating a user in a distributed network system 150 1996
 
ENTERASYS NETWORKS, INC. (2)
2003/0149,756 Configuration management method and system 40 2002
7,152,242 Modular system for detecting, filtering and providing notice about attack events associated with network security 43 2002
 
Exxon Research and Engineering Company (2)
5,072,380 Automatic vehicle recognition and customer billing system 165 1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 156 1993
 
FAIR ISAAC CORPORATION (2)
5,794,178 Visualization of information using graphical representations of context vector based relationships and attributes 363 1996
2004/0181,441 Model-based and data-driven analytic support for strategy development 33 2004
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5,265,033 ATM/POS based electronic mail system 373 1991
5,473,143 ATM/POS based electronic mail system 298 1993
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (2)
5,825,870 Methods and apparatus for implementing a network call center 85 1996
6,170,011 Method and apparatus for determining and initiating interaction directionality within a multimedia communication center 353 1998
 
GROUPON, INC. (2)
6,327,573 Multiple party reward system utilizing single account 242 1998
6,985,879 Systems and methods for facilitating group rewards 73 2002
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 132 1997
6,095,412 Host and user transaction system 143 1997
 
INTELLECTUAL VENTURES II LLC (2)
6,510,464 Secure gateway having routing feature 130 1999
7,225,462 Systems and methods for managing web user information 14 2002
 
INTERTECH HOLDINGS, LLC (2)
4,745,468 System for evaluation and recording of responses to broadcast transmissions 394 1986
4,926,255 System for evaluation of response to broadcast transmissions 412 1988
 
InterTrust Technologies Corp. (2)
5,892,900 Systems and methods for secure transaction management and electronic rights protection 1849 1996
6,112,181 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 710 1997
 
IPF, Inc. (2)
5,918,214 System and method for finding product and service related information on the internet 574 1996
5,950,173 System and method for delivering consumer product related information to consumers within retail environments using internet-based information servers and sales agents 671 1997
 
MARITZ INC. (2)
2002/0120,497 System and method for operating an awards redemption program 20 2001
2002/0123,926 System and method for implementing a loyalty program incorporating on-line and off-line transactions 70 2001
 
Martiz, Inc. (2)
5,689,100 Debit card system and method for implementing incentive award program 400 1996
2005/0240,477 Cardholder loyalty program with rebate 104 2005
 
METRO88 PARTNERSHIP (2)
2001/0054,059 Opt-in electronic mail advertising for internet radio network 27 2001
2001/0034,651 Earning and using benefits for responses to internet advertising at a merchant location 30 2001
 
MicroBilt Corporation (2)
5,466,920 Real time decoding for card transaction terminal 53 1991
5,479,530 Signature capturing printer and data card terminal 123 1993
 
MULTEX.COM, INC. (2)
5,864,871 Information delivery system and method including on-line entitlements 341 1997
5,940,843 Information delivery system and method including restriction processing 143 1997
 
National Transaction Network, Inc. (2)
5,050,207 Portable automated teller machine 176 1989
5,157,717 Portable automated teller machine 164 1991
 
NEW AURORA CORPORATION (2)
5,657,390 Secure socket layer application program apparatus and method 333 1995
5,825,890 Secure socket layer application program apparatus and method 197 1997
 
NINTENDO OF AMERICA INC. (2)
2002/0169,671 Electronic product registration system with sales incentive program management function 32 2002
2005/0091,126 Method and apparatus for efficient handling of product return transactions 17 2004
 
NTT DOCOMO, INC. (2)
2005/0066,037 Browser session mobility system for multi-platform applications 52 2003
7,640,321 Electronic mail delivery system, mail server, and mail client 5 2003
 
OKI ELECTRIC INDUSTRY CO., LTD. (2)
4,877,947 Transaction processing system 217 1987
2005/0273,425 Acceptance/reception separating system in financial institution 18 2005
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 285 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 266 1996
 
PLUSNETMARKETING, INC. (2)
2002/0161,641 Method and system for redeeming product marketing rebates 48 2002
2004/0215,514 METHOD AND SYSTEM FOR REDEEMING PRODUCT MARKETING REBATES 26 2003
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (2)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 373 1993
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 355 1996
 
RICOH COMPANY, LTD. (2)
5,933,823 Image database browsing and query using texture analysis 149 1996
6,363,381 Compressed document matching 113 1998
 
ROCKSTAR CONSORTIUM US LP (2)
6,092,196 HTTP distributed remote user authentication system 442 1997
6,101,486 System and method for retrieving customer information at a transaction center 208 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 135 1996
5,991,780 Computer based system, method, and computer program product for selectively displaying patent text and images 113 1998
 
SAP AG (2)
2005/0273,386 Creating customer bonus rule 23 2004
2005/0288,998 Managing customer entitlements to rewards from multiple entitlement programs 36 2004
 
SEARCHLITE ADVANCES, LLC (2)
6,108,642 Device for selectively blocking remote purchase requests 89 1998
6,714,919 Device for selectively blocking remote purchase requests 29 2000
 
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 19 2002
 
SONY CORPORATION (2)
5,845,260 System and method for parent-controlled charging for on-line services 231 1996
2002/0188,565 Client terminal device, storage medium product, bank server apparatus, information transmitting method, information transmitting program, and information transmitting/receiving program 37 2002
 
SONY ELECTRONICS INC. (2)
2002/0072,931 System and method to provide financial rewards and other incentives to users of personal transaction devices 29 2001
7,729,925 System and method for facilitating real time transactions between a user and multiple entities 43 2005
 
SOVERAIN SOFTWARE LLC (2)
5,715,314 Network sales system 1177 1994
5,724,424 Digital active advertising 980 1995
 
SYMANTEC CORPORATION (2)
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 51 2000
6,925,481 Technique for enabling remote data access and manipulation from a pervasive device 51 2001
 
SYSTEMS & COMPUTER TECHNOLOGY CORPORATION (2)
2002/0029,269 Methods and systems for coordinating the termination of sessions on one or more systems 49 2001
7,093,020 Methods and systems for coordinating sessions on one or more systems 63 2001
 
THE GOLUB CORPORATION (2)
2003/0033,252 Methods and systems for check processing using blank checks at a point-of-sale 41 2001
2004/0044,606 Methods and systems for check processing 34 2003
 
The Harrison Company, LLC (2)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 238 1991
6,424,951 Data processing technique for scoring bank customer relationships and awarding incentive rewards 75 1999
 
The United States of America as represented by the Secretary of Commerce (2)
5,231,668 Digital signature algorithm 154 1991
6,202,066 Implementation of role/group permission association using object access type 210 1998
 
THINK TEK, INC. (2)
2002/0198,803 Method and apparatus for facilitating monetary and commercial transactions and for providing consumer reward programs 37 2002
2005/0131,792 Financial transaction system with integrated, automatic reward detection 51 2005
 
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 490 1998
2006/0143,077 Method and system to ensure maintenance of individual government benefits in a retail environment 20 2004
 
TOTAL SYSTEM SERVICES, INC. (2)
6,817,008 System and method for enterprise-wide business process management 51 2003
2006/0031,718 System and method for generating production-quality data to support software testing 21 2004
 
TRILEGIANT LOYALTY SOLUTIONS, INC. (2)
2003/0200,142 On-line employee incentive system 96 2002
2002/0188,511 Interactive online point redemption system 66 2002
 
TTI INVENTIONS C LLC (2)
5,084,816 Real time fault tolerant transaction processing system 182 1989
6,138,118 Method and system for reconciling concurrent streams of transactions in a database 170 1998
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (2)
7,506,804 System and method for an integrated payment and reward card 25 2005
2010/0057,551 POINT-OF-SALE PURCHASE SYSTEM AND METHOD WITH OPTION OF PAYMENT USING LOYALTY POINTS 16 2008
 
UNITED VIDEO PROPERTIES, INC. (2)
2007/0156,521 Systems and methods for commerce in media program related merchandise 30 2005
2009/0150,937 CLIENT-SERVER BASED INTERACTIVE TELEVISION PROGRAM GUIDE SYSTEM WITH REMOTE SERVER RECORDING 30 2009
 
VESDIA CORPORATION (2)
6,345,261 Customer loyalty investment program 185 1999
2003/0004,809 Method and system for automatically calculating and managing consumer earned equity 33 2002
 
VESTA CORPORATION (2)
6,404,866 Telephone calling account system and method 25 1999
2003/0048,888 Telephone calling account system and method 24 2002
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 102 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 54 2004
 
WALKER ASSET MANAGEMENT LTD. PARTNERSHIP (2)
5,923,763 Method and apparatus for secure document timestamping 145 1996
5,828,751 Method and apparatus for secure measurement certification 91 1996
 
WANG SOFTWARE N.Y., INC. (2)
5,446,740 Method of and apparatus for processing data at a remote workstation 168 1993
5,568,489 Method and apparatus for processing data received at a remote workstation 171 1995
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (2)
5,870,725 High volume financial image media creation and display system and method 274 1995
2009/0112,639 Combined Rewards System and Process Providing Variable Travel Redemption 22 2007
 
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 97 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 94 1995
 
1-800-PAY-BY-PHONE, INC. (1)
2005/0033,637 Bill payment incentives system 29 2003
 
365 DIRECT MARKETING COMPANY (1)
2003/0083,939 Automated lost property recovery and marketing system and program 12 2001
 
3M INNOVATIVE PROPERTIES COMPANY (1)
5,781,909 Supervised satellite kiosk management system with combined local and remote data storage 212 1996
 
7 DEGREES, INC. (1)
5,594,837 Method for representation of knowledge in a computer as a network database system 108 1994
 
ABLECO FINANCE LLC (1)
7,333,948 Method and system for cross-marketing products and services over a distributed communication network 20 2004
 
ACCESS BUSINESS GROUP INTERNATIONAL LLC (1)
2005/0289,003 System and method for direct marketing 28 2005
 
ACCUCARD LIMITED (1)
2002/0077,966 Personalised financial products and computer implemented management system 34 2001
 
ACTIVANT SOLUTIONS INC. (1)
5,765,143 Method and system for inventory management 279 1995
 
ACTIVCARD IRELAND LIMITED (1)
7,093,282 Method for supporting dynamic password 20 2001
 
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 72 2000
 
Adhesives Technology Corporation 1987 (1)
5,257,486 Nozzle for injecting a sealant into a crack 59 1991
 
ADMINASTAR COMMUNICATIONS, INC. (1)
5,644,778 Medical transaction system 198 1993
 
AEGIS TECHNOLOGIES, INC. (1)
5,606,496 Personal assistant computer method 130 1995
 
AFFINION LOYALTY GROUP, INC. (1)
2006/0161,478 System, method and computer program product for currency redemption in loyalty reward programs 16 2006
 
Agovino, Frank R. (1)
2003/0088,462 DEBIT CARD SYSTEM AND METHOD FOR IMPLEMENTING INCENTIVE AWARD PROGRAM 51 1999
 
AGRATEC, LLC (1)
2002/0072,984 Method and apparatus for the distribution and sale of a branded product 28 2000
 
AINSWORTH GAME TECHNOLOGY LIMITED (1)
2003/0061,098 Consumer incentive system 20 2002
 
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 100 2001
 
ALEXSAM, INC. (1)
6,189,787 Multifunctional card system 414 1999
 
ALIBABA GROUP HOLDING LIMITED (1)
5,875,296 Distributed file system web server user authentication with cookies 416 1997
 
ALLIANCE DATA SYSTEMS CORPORATION (1)
2002/0077,890 Methods and systems for interactive collection, exchange and redemption of points 85 2000
 
AMAZON.COM HOLDINGS, INC. (1)
6,360,254 System and method for providing secure URL-based access to private resources 244 1999
 
AMERICA ONLINE, INC. (1)
2005/0278,641 Javascript Calendar Application Delivered to a Web Browser 88 2003
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 337 1981
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 102 2001
 
AMON, THOMAS C., JR (1)
7,110,962 Apparatus and method for providing a provider-selected message in response to a user request for user-selected information 7 2001
 
AMSTRAD PUBLIC LIMITED COMPANY (1)
5,537,473 Video recorder system 61 1995
 
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system 152 1992
 
Amway Corporation (1)
6,980,962 Electronic commerce transactions within a marketing system that may contain a membership buying opportunity 231 2000
 
AOL LLC (1)
6,496,855 Web site registration proxy system 134 2000
 
APPAGE CORPORATION (1)
5,903,878 Method and apparatus for electronic commerce 340 1997
 
AQUASOFT LTD. (1)
2001/0027,474 Method for clientless real time messaging between internet users, receipt of pushed content and transacting of secure e-commerce on the same web page 93 2000
 
ASN HOLDINGS, LLC (1)
2002/0052,778 System and method for providing incentives to purchasers 82 2000
 
ASPECT COMMUNICATIONS CORPORATION (1)
6,298,356 Methods and apparatus for enabling dynamic resource collaboration 137 1998
 
ASPEN MARKETING SERVICES, INC. (1)
5,983,196 Interactive computerized methods and apparatus for conducting an incentive awards program 193 1996
 
ASSA ABLOY AB (1)
5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol 87 1995
 
ASSOCIATES COMMERCE SOLUTIONS, INC. (1)
5,231,569 Account transaction system 257 1990
 
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer 141 1985
 
ATC REALTY FIFTEEN, INC. (1)
6,045,039 Cardless automated teller transactions 261 1997
 
AUCTNYC 20 LLC (1)
5,969,318 Gateway apparatus for designing and issuing multiple application cards 159 1997
 
AUTHERNATIVE, INC. (1)
2004/0225,880 Strong authentication systems built on combinations of "what user knows" authentication factors 24 2003
 
AUTOGAS ACQUISITIONS CORP. (1)
2005/0261,916 Fuel dispensing system and method providing discounted prices to individually identified customers 31 2003
 
AXEDA CORPORATION (1)
7,117,239 Reporting the state of an apparatus to a remote computer 90 2000
 
AZTAR CORPORATION (1)
2005/0075,889 Progressive customer reward program 48 2003
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 310 1994
 
BAKKER, ANTON (1)
2003/0205,617 Self contained electronic loyalty system 27 2003
 
BALLY TECHNOLOGIES, INC. (1)
2003/0069,808 Incentive based purchasing system and method 24 2002
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
7,072,864 Customer activated multi-value (CAM) card 119 2003
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 183 1998
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6,044,362 Electronic invoicing and payment system 399 1997
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
2004/0254,991 Switching Internet service providers 18 2003
 
BENQ CORPORATION (1)
2006/0005,039 Authentication control system and method thereof 10 2005
 
BESTBUY.COM, LLC (1)
2003/0046,173 Store delivery of products ordered over a computer network 17 2001
 
BI PERFORMANCE SERVICES (1)
5,915,244 Computerized incentive program with plateau pricing and remote award redemption 167 1996
 
BIG BABOON, INC. (1)
6,115,690 Integrated business-to-business Web commerce and business automation system 504 1997
 
BIOMETRIC ACCESS COMPANY (1)
2002/0147,691 Method and system for consummating a transaction in a biometric verification system based on prior transactional histories 28 2001
 
BLACKHAWK NETWORK, INC. (1)
5,956,695 Filter processor and method for implementing a program 250 1997
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 411 1996
 
Bluefire Systems, Inc. (1)
7,155,402 Method and apparatus for distribution of fashion and seasonal goods 70 2000
 
BLUETIE, INC. (1)
6,978,378 Secure file transfer system 22 2001
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 270 1994
 
BOSTON GEAR LLC (1)
4,964,043 System for visualizing, identifying and ordering gearing configurations 114 1988
 
BOUYANT HOLDINGS LIMITED (1)
2009/0100,508 METHOD AND APPARATUS FOR THE SECURE IDENTIFICATION OF THE OWNER OF A PORTABLE DEVICE 13 2008
 
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 165 1999
 
BPREPAID, LLC (1)
2005/0125,315 System for account management and method therefor 28 2003
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1401 1995
 
Bullock Communications, Inc. (1)
5,351,186 System and method for obtaining information concerning a product or a service 212 1991
 
BUYERLEVERAGE (1)
2003/0158,776 Buyer-driven targeting of purchasing entities 108 2001
 
BUZZMETRICS, LTD., AN ISRAEL CORPORATION (1)
7,197,470 System and method for collection analysis of electronic discussion methods 40 2000
 
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal 202 1996
 
C-SAM, INC. (1)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 667 1994
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (1)
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 135 1995
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 287 1998
 
CARDIS ENTERPRISES INTERNATIONAL N.V. (1)
2003/0115,100 System and method for receiving and redeeming loyalty incentives 52 2002
 
CARLSON COMPANIES, INC. (1)
2005/0144,074 Computer implemented method and system for on-line redemption of coupons 85 2004
 
CARLSON MARKETING GROUP, INC. (1)
2005/0242,179 Loyalty system incorporating embedded incentives 21 2005
 
CARLSON MARKETING WORLDWIDE, INC. (1)
6,138,911 In-store points redemption system and method 208 1999
 
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 204 1999
 
CERTCO, INC. (1)
2001/0011,255 RELIANCE MANAGEMENT FOR ELECTRONIC TRANSACTION SYSTEM 93 1998
 
CERTEGY CHECK SERVICES, INC. (1)
2005/0283,429 Scored negative file system and method 20 2004
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (1)
6,343,279 System integrating credit card transactions into a financial management system 218 1998
 
Charter One Financial, Inc. (1)
2003/0225,688 Financial account transfer apparatus and method 46 2002
 
CHEYENNE PROPERTY TRUST (1)
5,841,869 Method and apparatus for trusted processing 117 1996
 
CIENA CORPORATION (1)
7,020,696 Distributed user management information in telecommunications networks 124 2000
 
CITIBANK, INC. (1)
5,056,019 Automated purchase reward accounting system and method 581 1989
 
CITRIX SYSTEMS INTERNATIONAL GMBH (1)
6,243,816 Single sign-on (SSO) mechanism personal key manager 156 1998
 
CK GLOBAL INC. (1)
2002/0019,938 Method and apparatus for secure identification for networked environments 48 2001
 
CLUBMOM, INC. (1)
2002/0174,011 Systems and methods for conducting a loyalty program 47 2002
 
COASTCOM (1)
6,539,027 Reconfigurable, intelligent signal multiplexer and network design and maintenance system therefor 45 1999
 
COIN ACCEPTORS, INC. (1)
2005/0205,666 Loyalty automatic merchandiser system 32 2005
 
COLLECTORS TOOLBOX (1)
2002/0123,955 System and method for collectibles 38 2000
 
COMCAST MO GROUP, INC. (1)
6,546,392 Self service gateway 101 1999
 
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 703 1996
 
COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
5,532,689 Method of transmitting data quickly and securely from a smart card during a remote transaction 94 1994
 
COMPUWARE CORPORATION (1)
6,519,763 Time management and task completion and prediction software 140 1999
 
CONCEALOGRAM LTD. (1)
2004/0146,159 Hiding images in halftone pictures 11 2004
 
CONCIERGE NETWORKS INCORPORATED (1)
2005/0102,178 Systems and methods for generating multiple revenue streams involving the use of an integrated appliance 22 2003
 
CONEXANT SYSTEMS UK LIMITED (1)
6,111,858 Proxy-controlled ATM subnetwork 167 1997
 
Coordinated Data Services, Inc. (1)
5,878,405 Pension planning and liquidity management system 232 1996
 
COPIENT TECHNOLOGIES, LLC (1)
6,119,933 Method and apparatus for customer loyalty and marketing analysis 167 1998
 
CORILLIAN CORPORATION (1)
2004/0122,766 Method and apparatus for paying bills online 31 2002
 
Corpra Research, Inc. (1)
4,575,621 Portable electronic transaction device and system therefor 384 1984
 
COVERDELL & COMPANY (1)
2002/0010,599 Method for targeting insurance policy incentive rewards 58 2001
 
CROSSBORDER EXCHANGE CORPORATION (1)
2002/0032,642 Internet based secure virtual exchange and distributed relational database for cross border trading of securities 22 2001
 
CU DIRECT CORPORATION (1)
5,611,052 Lender direct credit evaluation and loan processing system 417 1993
 
Cubic Corporation (1)
2006/0261,927 Smart card receiver and system for pulsed RF fields 31 2006
 
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 287 1993
 
CUSTOMEDIA, LLC (1)
6,213,391 Portable system for personal identification based upon distinctive characteristics of the user 210 1997
 
Cyberpulse, L.L.C. (1)
6,154,750 Method and system for navigation and data entry in heirarchically-organized database views 96 1998
 
DANA AUTOMOTIVE SYSTEMS GROUP, LLC (1)
6,832,587 Plastic valve cover with integrated metal 25 2003
 
Datamind Corporation (1)
5,970,482 System for data mining using neuroagents 183 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 81 2000
 
DAVO FINANCIAL SERVICES LLC (1)
2003/0105,688 Secure digital escrow account transactions system and method 75 2001
 
DAVO TECHNOLOGIES LLC (1)
2004/0193,540 Selective escrow using electronic funds transfer 19 2004
 
DEFAULT PROOF CREDIT CARD SYSTEMS, INC. (1)
2003/0088,470 System and process for debit card dispensing 22 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 102 1997
 
DIALWARE INC. (1)
2004/0031,856 Physical presence digital authentication system 160 2003
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (1)
6,315,195 Transaction apparatus and method 230 1998
 
DIEBOLD, INCORPORATED (1)
7,080,036 Automated banking machine development method 31 2000
 
DIGICASH INCORPORATED (1)
2007/0179,883 System and method and computer readable code for visualizing and managing digital cash 42 2006
 
DISNEY ENTERPRISES, INC. (1)
5,963,915 Secure, convenient and efficient system and method of performing trans-internet purchase transactions 545 1996
 
DOCK 3, INC. (1)
2002/0032,613 Methods and systems for the physical delivery of goods ordered through an electronic network 68 2001
 
DOWNING PLACE LIMITED LIABILITY COMPANY (1)
2005/0216,346 System and method for consumer-selected advertising and branding in interactive media 98 2005
 
DYCRAV SECURITY, INC. (1)
6,668,321 Verification of identity of participant in electronic communication 11 2002
 
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 43 2001
 
E-Loan, Inc. (1)
2005/0097,033 Debt management system 40 2004
 
E-Scoring, Inc. (1)
2002/0077,964 Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants 171 2000
 
EACCELERATION CORPORATION (1)
6,449,765 Varying web page link based on user and web page status 44 1999
 
EASTERN IX GROUP LLC (1)
5,999,907 Intellectual property audit system 204 1993
 
eCardless Bancorp, Ltd. (1)
2004/0019,563 Purchasing on the internet using verified order information and bank payment assurance 19 2003
 
eCharge Corporation (1)
7,249,097 Method for ordering goods, services, and content over an internetwork using a virtual payment account 89 2003
 
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 271 1997
 
EDATANETWORKS INC. (1)
2005/0267,800 Method, system and computer program for providing a loyalty engine enabling dynamic administration of loyalty programs 31 2004
 
EFUNDS CORPORATION (1)
2002/0120,846 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 151 2002
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 396 1996
 
EQUIFAX, INC. (1)
6,496,936 System and method for authentication of network users 151 2000
 
ERIE COUNTY INVESTMENT CO., THE (1)
5,235,509 Customer self-ordering system using information displayed on a screen 244 1989
 
ERN, LLC (1)
2002/0026,365 Method and system for electronic payment and check guarantee 23 2001
 
ESCHER GROUP, LTD., THE (1)
2002/0042,808 Method and apparatus for linking data and objects 18 2001
 
eSpoc, Inc. (1)
6,785,810 System and method for providing secure transmission, search, and storage of data 90 1999
 
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 55 2003
 
EVIDAN (1)
6,317,838 Method and architecture to provide a secured remote access to private resources 104 1998
 
EXECUTONE INTER-TELBUSINESS INFORMATION SYSTEMS, INC. (1)
5,793,861 Transaction processing system and method 261 1996
 
EXPERIAN INFORMATION SOLUTIONS, INC. (1)
6,925,441 System and method of targeted marketing 126 1997
 
EXPERIENCE LAB, INC. (1)
2002/0010,668 Online merchandising and marketing system 48 2001
 
EXXONMOBIL RESEARCH AND ENGINEERING COMPANY (1)
2002/0152,123 System and method for processing financial transactions 171 2002
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 554 1996
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 125 2002
 
FDR INTERACTIVE TECHNOLOGIES (1)
5,016,270 Expanded telephone data organization system 130 1989
 
FINANCIAL ENGINES, INC. (1)
5,918,217 User interface for a financial advisory system 337 1997
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 716 1995
 
FIRST USA BANK, N.A. (1)
5,995,948 Correspondence and chargeback workstation 134 1997
 
FIRSTPOINT CONTACT TECHNOLOGIES, LLC (1)
5,511,117 Integrated voice and business transaction reporting for telephone call centers 98 1994
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 963 1995
 
FMR CORP. (1)
2005/0193,208 User authentication 23 2004
 
FMR LLC (1)
5,991,878 Controlling access to information 100 1997
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics 162 1984
 
FORD MOTOR COMPANY (1)
6,684,212 System and method for data sharing between members of diverse organizations 30 2000
 
FORWARD RESEARCH, INC. (1)
6,092,057 Unattended POS system for automatic control of bank system rejections 131 1997
 
Fox Chase Bank (1)
2005/0273,387 Apparatus and method for rewarding consumers 33 2004
 
FRANCE TELECOM (1)
2002/0032,622 Shop management method and platform for performing the method 24 2001
 
FREE-PC, INC. (1)
6,907,566 Method and system for optimum placement of advertisements on a webpage 254 1999
 
FREEMAN, CRAIG (1)
6,950,826 Material and supplies ordering system 12 2000
 
FUJI XEROX CO., LTD. (1)
2006/0274,970 Image processing device, method, and storage medium which stores a program 16 2005
 
Gascard, Inc. (1)
4,891,503 Distributed authorization system 192 1988
 
Gazebo Inc. (1)
2002/0087,447 System and method for managing and executing event based investments 87 2001
 
GBS Systems Corporation (1)
5,341,428 Multiple cross-check document verification system 79 1992
 
GENERAL DYNAMICS C4 SYSTEMS, INC. (1)
5,381,332 Project management system with automated schedule and cost integration 171 1991
 
GENERAL INSTRUMENT CORPORATION (1)
5,054,067 Block-cipher cryptographic device based upon a pseudorandom nonlinear sequence generator 43 1990
 
GLIDE ELECTRONIC TRADE, LTD. (1)
2002/0002,479 Career management system 67 2000
 
GLOBAL ONLINE PROMOTIONS, INC. (1)
2001/0039,511 Lottery award promotional method and system 33 2000
 
GOEKEN GROUP CORP. (1)
5,617,474 Telephone handset having a latch-receiving opening in an enlarged inlet opening of a card-receiving slot 59 1990
 
GOETEL COMMUNICATIONS CORP. (1)
5,546,452 Communications system using a central controller to control at least one network and agent system 229 1995
 
GOLDENSOURCE CORPORATION (1)
6,513,019 Financial consolidation and communication platform 294 1999
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 185 2003
 
GRAU, EDWARD (1)
2003/0149,629 Method of point of sale investment 28 2002
 
GREEN WIRELESS LLC (1)
5,590,199 Electronic information network user authentication and authorization system 206 1993
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1182 1989
 
HARRAH'S OPERATING COMPANY, INC. (1)
5,761,647 National customer recognition system and method 560 1996
 
HEARTLAND PAYMENT SYSTEMS, INC. (1)
2006/0149,671 Payment processing method and system 51 2005
 
HIP CONSULT INC. (1)
2007/0295,803 APPARATUS AND METHOD FOR FACILITATING MONEY OR VALUE TRANSFER 51 2006
 
Hipersoft Corp. (1)
6,098,070 Case management for a personal injury plaintiff's law office using a relational database 191 1998
 
Hitachi Information Network, Ltd. (1)
6,202,158 Detection method of illegal access to computer system 60 1998
 
HOME ACCOUNT NETWORK, INC. (1)
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 513 1994
 
HRB TAX GROUP, INC. (1)
7,539,635 System and method for generating a personalized tax advice document 18 2003
 
HUMANA INC. (1)
2003/0154,403 Web-based security with controlled access to data and resources 68 2002
 
HYBRID KIOSKS, LLC (1)
2007/0011,089 Electronic savings transfers 66 2006
 
HYPERWALLET SYSTEMS, INC. (1)
7,177,830 On-line payment system 22 2003
 
I NOVATION INC. (1)
6,662,215 System and method for content optimization 42 2000
 
IBM INTERNATIONAL GROUP BV (1)
5,758,126 Customizable bidirectional EDI translation system 174 1996
 
ICHIHIME SHOJI CO., LTD. (1)
2005/0108,090 Service points liquidation system 23 2004
 
ICOM MOBILE LTD. (1)
2002/0152,179 Remote payment method and system 108 2001
 
ICON INTERNET COMPETENCE NETWORK B.V. (1)
5,796,395 System for publishing and searching interests of individuals 195 1997
 
ICONIX, INC. (1)
2005/0182,735 Method and apparatus for implementing a micropayment system to control e-mail spam 46 2004
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 454 1996
 
IGT (1)
7,485,040 Methods and apparatus for advertising in gaming device 12 2004
 
iMarket, Incorporated (1)
6,026,398 System and methods for searching and matching databases 243 1997
 
IMPERVA, INC. (1)
2008/0320,567 SYSTEM AND METHOD FOR PREVENTING WEB FRAUDS COMMITTED USING CLIENT-SCRIPTING ATTACKS 22 2008
 
IMPRIVATA, INC. (1)
6,618,806 System and method for authenticating users in a computer network 212 1999
 
INDALA CORPORATION (1)
5,382,784 Hand-held dual technology identification tag reading head 226 1993
 
INDIVIDUAL NETWORK, LLC (1)
6,735,778 Method and system for providing home shopping programs 14 2002
 
INETBON, A.S. (1)
2003/0097,298 On-line bonus program 25 2001
 
INFINITE BAY TELECOM LIMITED LIABILITY COMPANY (1)
7,496,950 Secure remote management appliance 12 2003
 
Inforonics, Inc. (1)
5,999,971 Apparatus and method for identifying clients accessing network sites 66 1998
 
INFOSPACE, INC. (1)
4,529,870 Cryptographic identification, financial transaction, and credential device 408 1982
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 215 2003
 
Instasearch Corp. (1)
5,583,778 Computer method for collecting on judgments 84 1994
 
INSTITUTE FOR INFORMATION SCIENCES (1)
2003/0051,026 Network surveillance and security system 305 2001
 
INTELLECTUAL DISCOVERY, INC. (1)
6,934,848 Technique for handling subsequent user identification and password requests within a certificate-based host session 72 2000
 
Intellicard International, Inc. (1)
4,614,861 Unitary, self-contained card verification and validation system and method 573 1984
 
INTERBOLD (1)
4,319,336 Transaction execution system with improved key function versatility 163 1979
 
INTERFUSE TECHNOLOGY CORPORATION (1)
6,874,139 Method and system for seamless integration of preprocessing and postprocessing functions with an existing application program 73 2001
 
INTERNET DEVELOPMENT RESEARCH CENTER, INC. (1)
2002/0104,017 Firewall system for protecting network elements connected to a public network 54 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 131 1996
 
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 28 2001
 
IPASS INC. (1)
5,898,780 Method and apparatus for authorizing remote internet access 353 1996
 
J.P. MORGAN CHASE & CO. (1)
2005/0251,470 Mutual fund card method and system 25 2005
 
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 67 2002
 
John Ogilvie (1)
2006/0095,350 Funds collection tools and techniques 24 2005
 
JSA Technologies (1)
6,963,857 Network-accessible account system 65 1999
 
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 156 1997
 
KIDSFUTURE, INC. (1)
2002/0099,601 Loyalty-based program for higher education finance assistance 31 2001
 
KLUG, JOHN (1)
6,615,251 Method for providing node targeted content in an addressable network 48 1999
 
KOITO MANUFACTURING CO., LTD. (1)
2003/0191,549 Design method and design system for vehicular lamp, program to execute designing of vehicular lamp and record medium recording the program 37 2003
 
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 49 1997
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
2004/0039,940 Hardware-based packet filtering accelerator 29 2002
 
KRAUSE, G. MATTHEW (1)
5,950,206 Method and apparatus for searching and tracking construction projects in a document information database 93 1997
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 221 1985
 
LANDESK SOFTWARE LIMITED (1)
7,032,110 PKI-based client/server authentication 50 2000
 
LANYON SOLUTIONS, INC. (1)
7,523,385 System and method for enterprise event marketing and management automation 37 2001
 
LEGEND FILMS INC. (1)
2005/0240,916 SYSTEM AND METHOD FOR DISTRIBUTED PROJECT OUTSOURCING 7 2004
 
LENOVO (SINGAPORE) PTE LTD. (1)
6,976,067 Method and apparatus for providing entitlement information for interactive support 7 2001
 
LEXTRON SYSTEMS, INC. (1)
5,794,259 Apparatus and methods to enhance web browsing on the internet 227 1996
 
LIFESHIELD SCIENCES LLC (1)
6,016,810 Endovasular aortic graft 79 1998
 
LINGUATEG, INC. (1)
6,032,147 Method and apparatus for rationalizing different data formats in a data management system 106 1997
 
LINKSHARE CORPORATION (1)
5,991,740 Data processing system for integrated tracking and management of commerce related activities on a public access network 175 1997
 
LoanMarket Resources, L.L.C. (1)
5,940,812 Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network 362 1997
 
LOANX CORPORATION (1)
5,966,699 System and method for conducting loan auction over computer network 312 1996
 
LOGICLINK CORPORATION (1)
5,987,498 Credit card operated computer on-line service communication system 277 1996
 
LOUDCLOUD, INC. (1)
2002/0161,901 System for communicating with servers using message definitions 9 2001
 
LVWA, LLC (1)
2002/0082,962 Value transfer system for unbanked customers 79 2001
 
Lykes Bros., Inc. (1)
5,666,493 System for managing customer orders and method of implementation 457 1993
 
Mailshell.com, Inc. (1)
7,092,992 Web page filtering including substitution of user-entered email address 75 2001
 
Mantra Technologies, Inc. (1)
5,926,812 Document extraction and comparison method with applications to automatic personalized database searching 128 1997
 
MARS, INCORPORATED (1)
2002/0004,742 Time variable incentive for purchasing goods and services 23 2000
 
MASSACHUSETTS INSTITUTE OF TECHNOLOGY (1)
4,405,829 Cryptographic communications system and method 1009 1977
 
Massmedium. com (1)
2001/0025,253 Multi-level award program 23 2001
 
MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (1)
2002/0111,861 Data transmission system 20 2002
 
MCAFEE, INC. (1)
6,584,508 Advanced data guard having independently wrapped components 77 1999
 
MDWERKS, INC (1)
2003/0149,594 System and method for secure highway for real-time preadjudication and payment of medical claims 72 2002
 
MEDIA IP HOLDINGS, LLC (1)
2007/0186,252 Method and system for home shopping using video-on-demand services 20 2006
 
MENTOR GRAPHICS CORPORATION (1)
5,815,683 Accessing a remote cad tool server 106 1996
 
MERIDIAN ENTERPRISES CORPORATION (1)
6,222,914 System and method for administration of an incentive award system having a delayed award payment using a credit instrument 288 1998
 
Meridian Enterprises, Inc. (1)
5,025,372 System and method for administration of incentive award program through use of credit 602 1989
 
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages 46 2005
 
MICRO ENHANCEMENT INTERNATIONAL (1)
7,024,374 Targeted marketing and purchase behavior monitoring system 69 2000
 
MICRON TECHNOLOGY, INC. (1)
5,692,124 Support of limited write downs through trustworthy predictions in multilevel security of computer network communications 103 1996
 
Midwest Payment Systems, Inc. (1)
2001/0032,183 System and method for paying bills and other obligations including selective payor and payee controls 94 2001
 
MINOLTA CO., LTD. (1)
6,075,519 Operational mode setting apparatus for display screen 45 1996
 
MITEL NETWORKS CORPORATION (1)
5,761,288 Service context sensitive features and applications 74 1995
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,698,837 Method and system for identifying and communicating with a plurality of contactless IC cards 176 1995
 
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 28 2004
 
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 45 1998
 
MOTOROLA MOBILITY LLC (1)
6,105,006 Transaction authentication for 1-way wireless financial messaging units 96 1997
 
MPOWER MOBILE, INC. (1)
2007/0203,850 Multifactor authentication system 21 2007
 
MSHIFT, INC. (1)
6,950,881 System for converting wireless communications for a mobile device 22 2000
 
MULTEX SYSTEMS, INC. (1)
6,912,529 Method and system for storing and retrieving documents 26 1998
 
National Bancard Corporation (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 73 1994
 
NATIONAL SEMICONDUCTOR CORPORATION (1)
5,828,812 Recurrent neural network-based fuzzy logic system and method 55 1995
 
NELNET, INC. (1)
2002/0161,630 Loyalty reward program for reducing the balance of a loan obligation 76 2000
 
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 19 2002
 
NETSAGE CORPORATION (1)
6,201,948 Agent based instruction system and method 318 1998
 
NETSCAPE COMMUNICATIONS CORPORATION (1)
6,134,592 Persistant client state in a hypertext transfer protocol based client-server system 128 1997
 
NETSILICA, INC. (1)
2003/0046,587 Secure remote access using enterprise peer networks 146 2002
 
NEW FIRST CITY, TEXAS - AUSTIN, N.A. (1)
4,725,719 Restricted purpose, commercial, monetary regulation method 182 1986
 
NEWGISTICS, INC. (1)
2001/0047,315 System and method for single-action returns of remotely purchased merchandise 25 2001
 
NEXTCARD, INC. (1)
6,718,313 Integrating live chat into an online credit card application 43 2000
 
NEXTPAGE, INC. (1)
6,401,125 System and method for maintaining state information between a web proxy server and its clients 66 1999
 
NOMOREFORMS, INC. (1)
6,088,700 Automated forms completion for global information network applications 151 1999
 
NORTHERN LIGHT WEB SEARCH (1)
2005/0131,721 System and method to facilitate sharing of information 6 2004
 
NORTHERN TELECOM LIMITED (1)
4,249,180 Past dependent microcomputer cipher apparatus 33 1978
 
NORTHROP GRUMMAN SYSTEMS CORPORATION (1)
5,848,190 Method and apparatus for locating and identifying an object of interest in a complex image 22 1996
 
NPAX, Inc. (1)
2002/0002,495 INTEGRATED PHARMACEUTICAL ACCOUNTS MANAGEMENT SYSTEM AND METHOD 115 2000
 
NSK LTD. (1)
5,644,493 Production information processing system 98 1995
 
NVOQ INCORPORATED (1)
2002/0156,900 Protocol independent control module 65 2002
 
OKAIKEI, INC. (1)
2004/0078,276 System for electronic merchandising and shopping 15 2000
 
OLYMPUS OPTICAL CO., LTD. (1)
5,551,021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 235 1994
 
OMNISEC AG, TROCKENLOOSTRASSE 91, CH-8105 REGENSDORF, SWITZERLAND, A CO. OF SWITZERLAND (1)
5,161,244 Cryptographic system based on information difference 27 1991
 
Omron Tateisi Electronics Co. (1)
4,713,760 Transaction processing system for separate registration and settlement functions 38 1985
 
OPEN SOLUTIONS INC. (1)
5,602,936 Method of and apparatus for document data recapture 252 1995
 
OPTIMIZEUSA, INC. (1)
2003/0088,489 Automated investment advisory software and method 36 2000
 
ORACLE OTC SUBSIDIARY LLC (1)
6,791,974 Universal internet based telephony system that provides ubiquitous access for subscribers from any terminal device 45 2000
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 210 1998
 
OSUMA FINLAND OY (1)
2006/0011,719 Customer loyalty card and devices associated therewith 33 2005
 
OUTLAND PRECIPICE CO. L.L.C. (1)
2005/0261,995 Method and system for processing tax pertaining to a goods and services transaction 36 2005
 
OUTSITE NETWORKS, INC. (1)
2005/0023,346 System and method for providing incentives based on receipt sniffing 30 2004
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 505 1992
 
PALUS A4, LLC (1)
6,931,382 Payment instrument authorization technique 79 2001
 
PANALOGIN LLC (1)
5,790,785 World Wide Web registration information processing system 195 1996
 
PANARA ACQUISITIONS CO, LLC (1)
6,216,115 Method for multi-directional consumer purchasing, selling, and transaction management 98 1998
 
PARAGON TRADE BRANDS, INC. (1)
7,266,839 System and method for providing discriminated content to network users 18 2001
 
PARALLEL AXIS GOLF (1)
RE38717 Golf club 18 2000
 
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 55 1999
 
PASS TECHNOLOGIES, INC. (1)
4,859,837 Portable data carrier incorporating manually presettable processing modes 139 1988
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 115 2001
 
PAYBYCLICK CORPORATION--TEXAS (1)
7,249,099 Method and apparatus for conducting electronic commerce transactions using electronic tokens 54 2005
 
PAYMENT PROCESSING, INC. (1)
2003/0229,590 Global integrated payment system 44 2002
 
Paymentech, Inc. (1)
6,169,974 Method for closed loop processing of transactions utilizing bank card association 74 1998
 
PEGASYSTEMS INC. (1)
5,826,250 Rules bases and methods of access thereof 101 1996
 
PENDRAGON NETWORKS LLC (1)
6,317,834 Biometric authentication system with encrypted models 133 1999
 
PERSONALIZED MEDIA COMMUNICATIONS, L.L.C. (1)
5,233,654 Signal processing apparatus and methods 336 1992
 
PHONEWORKS, INC. (1)
2002/0069,109 Interactive computerized methods and apparatus for conducting an incentive awards program 61 2001
 
PINPOINT INCORPORATED (1)
5,835,087 System for generation of object profiles for a system for customized electronic identification of desirable objects 978 1995
 
PITNEY BOWES INC. (1)
4,713,761 System for centralized processing of accounting and payment functions 267 1985
 
PLANETJAM MEDIA GROUP, INC. (1)
2002/0010,621 Incentives for content consumption 46 2001
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 149 2000
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 354 1998
 
POINT INTERNATIONAL LTD. (1)
2003/0040,964 Loyalty currency vending system 82 2002
 
POINTS CORPORATION (1)
2003/0144,902 Computer program and system for recording and processing bonus credits 19 2001
 
POINTS.COM (1)
2002/0143,614 Apparatus and method of facilitating the exchange of points between selected entitles 71 2001
 
PORTO RANELLI, S.A. (1)
2001/0032,184 Property linked-credit card 40 2000
 
POSITIVE SERVICES GROUP, INC. (1)
2004/0015,394 Method for rewarding customer loyalty with respect to a lease agreement 22 2002
 
Postron Corp. (1)
4,695,880 Electronic information dissemination system 262 1985
 
Powell, Raymond H.J. (1)
2003/0233,255 METHOD OF COORDINATING MAINTENANCE OF VITAL PATIENT DATA AND SOFTWARE THEREFOR 18 1999
 
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 731 1995
 
PRICELINE.COM INCORPORATED (1)
5,797,127 Method, apparatus, and program for pricing, selling, and exercising options to purchase airline tickets 391 1996
 
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 1571 1996
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2003/0167,199 Automated workflow means and method for pension products 11 2002
 
PRINCIPIA PARTNERS LLC (1)
2002/0111,891 Accounting system for dynamic state of the portfolio reporting 75 2001
 
Printon AB (1)
6,992,786 Method and system for online creation and ordering of customized material for printing 38 2000
 
PRIO, INC. (1)
2003/0009,379 System and method for providing an automatic purchase reward 60 2002
 
PRISM TECHNOLOGIES LLC (1)
6,516,416 Subscription access system for use with an untrusted network 247 1997
 
PRIVASYS (1)
2007/0034,700 Electronic cards and methods for making same 109 2006
 
PROACT TECHNOLOGIES CORP. (1)
2002/0184,507 Centralized single sign-on method and system for a client-server environment 78 2001
 
PROGRESS FEDERAL SAVINGS BANK (1)
5,495,981 Transaction card mailer and method of making 122 1994
 
Prout AG (1)
6,498,657 Programmable data extractor, data analyzer, and printer report generator 40 1999
 
PSC SCANNING, INC. (1)
5,789,732 Portable data module and system for consumer transactions 157 1996
 
PUVAAL APPLICATIONS AG, LLC (1)
7,155,477 Method and system for continuous interactive communication in an electronic network 8 2001
 
QGENISYS, INC. (1)
6,938,048 Universal task management system, method and product for automatically managing remote workers, including automatically training the workers 74 2001
 
QUALCOMM INCORPORATED (1)
2001/0055,391 System and method for extracting, decoding, and utilizing hidden data embedded in audio signals 51 2001
 
QWEST COMMUNICATIONS INTERNATIONAL INC. (1)
5,784,562 System for using a dialog session context to process electronic forms data on the world wide web 151 1995
 
R. Alan Blau & Associates, Inc. (1)
5,634,101 Method and apparatus for obtaining consumer information 110 1995
 
R.R. DONNELLEY & SONS COMPANY (1)
5,502,636 Personalized coupon generating and processing system 342 1992
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 329 1995
 
RAYTHEON COMPANY (1)
5,241,594 One-time logon means and methods for distributed computing systems 295 1992
 
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 476 1997
 
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 121 1999
 
RESEARCH IN MOTION LIMITED (1)
6,868,391 Tele/datacommunications payment method and apparatus 129 1998
 
REUTERS LIMITED (1)
6,535,917 Market data domain and enterprise system implemented by a master entitlement processor 48 1999
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 65 2002
 
RISEN, KATHERINE D. (1)
6,018,714 Method of protecting against a change in value of intellectual property, and product providing such protection 152 1997
 
ROCKET SOFTWARE, INC. (1)
5,305,456 Apparatus and method for computer system integrated security 43 1991
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (1)
5,828,734 Telephone interface call processing system with call selectivity 81 1993
 
ROUSTAN, W. GRAEME (1)
2001/0037,243 System and method for redeeming frequent flyer miles 48 2001
 
ROYAL BANK OF SCOTLAND PLC, THE (1)
2007/0043,681 ONLINE TRANSACTIONS SYSTEMS AND METHODS 24 2006
 
RPX CORPORATION (1)
5,970,483 Apparatus and methodology for submitting search queries 78 1997
 
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 474 1998
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 105 1990
 
SAMSUNG ELECTRONICS CO., LTD. (1)
2003/0131,357 Method and apparatus for displaying additional information linked to digital TV program 17 2002
 
SAN MATEO INTERNET ASSOCIATES, INC. (1)
2001/0049,628 On-line system for aggregation of purchase bonuses 73 2001
 
SANDCHERRY NETWORKS, INC. (1)
7,185,094 Media session framework using a control module to direct and manage application and service servers 45 2001
 
SANTA CRUZ NETWORKS, INC. (1)
2003/0041,165 System and method for group video teleconferencing using a bandwidth optimizer 23 2001
 
SCIENCE APPLICATIONS INTERNATIONAL CORPORATION (1)
2005/0055,306 User-defined dynamic collaborative environments 212 2004
 
SECURITY AND INTRUSION DETECTION RESEARCH LABS, LLC (1)
2002/0078,382 Scalable system for monitoring network system and components and methodology therefore 128 2001
 
SELFOO (1)
2004/0006,487 Centralised system and method for dispensing services to automatic sales terminals 30 2003
 
SENA CONSULTING INC. (1)
2003/0070,069 Authentication module for an enterprise access management system 38 2001
 
SENSCOM, INC. (1)
2002/0120,571 Wireless financial system 38 2001
 
SHABBIR KHAN (1)
6,401,206 Method and apparatus for binding electronic impressions made by digital identities to documents 117 1998
 
SHC Direct, Inc. (1)
6,014,635 System and method for providing a discount credit transaction network 201 1997
 
SHEP DATA FUNDING LLC (1)
5,761,661 Data management system and method 115 1994
 
SHOPALOTTO.COM LIMTED (1)
6,540,608 Lottery 9 2001
 
SHORE DEARY, L.L.P. (1)
5,910,988 Remote image capture with centralized processing and storage 398 1997
 
SIEMENS AKTIENGESELLSCHAFT (1)
2003/0120,544 International incentive system 20 2002
 
SIEMENS MEDICAL SOLUTIONS HEALTH SERVICES CORPORATION (1)
2004/0199,406 System for monitoring payment for provision of services to an entity 32 2004
 
SILICON VALLEY BANK (1)
6,915,271 Method and system for delivering redeeming dynamically and adaptively characterized promotional incentives on a computer network 155 1999
 
SIVAULT, INC. (1)
2002/0031,230 Method and apparatus for a web-based application service model for security management 158 2001
 
SL SOFRTWARE, INC. (1)
5,682,524 Databank system with methods for efficiently storing non-uniform data records 207 1995
 
SMART TV LLC (1)
5,880,769 Interactive smart card system for integrating the provision of remote and local services 298 1995
 
SMART VOUCHER LIMITED (1)
2003/0158,782 Electronic processing system 22 2003
 
SMARTOUCH, LLC (1)
5,764,789 Tokenless biometric ATM access system 334 1996
 
SOCIETE ANONYME DITE: COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
4,977,501 Fare collection system using microwaves 76 1989
 
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 15 1991
 
SONUS NETWORKS, INC. (1)
2003/0159,072 Single sign-on for multiple network -based services 76 2003
 
Sony Corporation/Sony Electronic Inc. (1)
7,493,636 Method and apparatus for providing electronic coupons 17 2005
 
SOPHEON UK LIMITED (1)
6,526,404 Information system using human resource profiles 47 2000
 
SOURCE SEARCH TECHNOLOGIES, LLC (1)
5,758,328 Computerized quotation system and method 726 1996
 
SPATIUM INNOVATIONS, LLC (1)
5,847,709 3-D document workspace with focus, immediate and tertiary spaces 141 1996
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 359 1997
 
SPINDLE MOBILE, INC. (1)
5,991,738 Automated credit card processing 92 1997
 
Spot Metals Online (1)
5,715,402 Method and system for matching sellers and buyers of spot metals 467 1995
 
Starbucks Corporation (1)
2005/0080,672 Creating customer loyalty 28 2004
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 279 1996
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 467 1984
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1672 1986
 
SUBSIDIARY OF PENDRELL TECHNOLOGIES LLC (1)
6,182,220 System and method for building and exchanging encrypted passwords between a client and server 38 1998
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 234 1998
 
SUNTEC CITY DEVELOPMENT PTE LTD (1)
2002/0087,349 System and method for increasing perceived value of property to tenants 21 2001
 
SUNTRUST BANK (1)
2002/0087,471 Multiple mode registration and payment processing 55 2001
 
SWISS REINSURANCE CORPORATION (1)
2004/0117,658 Security monitoring and intrusion detection system 19 2003
 
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 101 1996
 
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6,938,020 Memory rental service system in intelligent authentication unit 9 2002
 
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6,185,242 Integral side wall and tap hole cover for an eccentric bottom tap (EBT) electric furnace 52 2000
 
TADASHI ETOH (INDIVIDUAL) (1/2 OF RIGHT) (1)
6,260,026 Credit card information management system 120 1997
 
TANDEM COMPUTERS INCORPORATED (1)
4,723,246 Integrated scrambler-encoder using PN sequence generator 18 1985
 
TAO TECHNOLOGIES, LLC (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet 440 1997
 
TELE-PUBLISHING, INC. (1)
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4,567,359 Automatic information, goods and services dispensing system 471 1984
4,633,397 Union member accounts management system 99 1984
4,823,264 Electronic funds transfer system 554 1986
4,696,491 Information reference book and indexing system 60 1986
4,747,139 Software security method and systems 237 1986
4,868,877 Public key/signature cryptosystem with enhanced digital signature certification 393 1988
5,016,274 On-line/off-line digital signing 203 1988
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 329 1989
5,005,200 Public key/signature cryptosystem with enhanced digital signature certification 361 1989
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 410 1990
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 513 1991
5,297,026 System for promoting account activity 301 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 473 1992
5,267,314 Secure transaction system and method utilized therein 106 1992
5,524,073 Secure transaction system and method utilized therein 173 1993
5,576,951 Automated sales and services system 378 1994
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 301 1994
5,473,732 Relational artificial intelligence system 102 1995
5,625,767 Method and system for two-dimensional visualization of an information taxonomy and of text documents based on topical content of the documents 170 1995
5,826,245 Providing verification information for a transaction 386 1995
5,555,303 Secure transaction system and method utilized therein 64 1995
5,646,998 Secure transaction system and method utilized therein 77 1995
5,677,521 Personal identification and credit information system and method of performing transaction 72 1995
5,787,404 Credit-card based retirement fund system and method 204 1995
5,706,452 Method and apparatus for structuring and managing the participatory evaluation of documents by a plurality of reviewers 173 1995
5,671,285 Secure communication system 125 1995
5,802,498 Computer-aided prepaid transmittal charge billing system 175 1996
RE36116 Centralized consumer cash value accumulation system for multiple merchants 263 1996
5,907,142 Fraud resistant personally activated transaction card 201 1996
5,953,710 Children's credit or debit card system 586 1996
5,793,302 Method for securing information relevant to a transaction 79 1996
5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof 181 1997
5,974,148 Method for securing information relevant to a transaction 107 1997
5,936,541 Method for securing information relevant to a transaction 89 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 248 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 172 1997
6,069,968 Electronic transaction system for banking, security, and/or charge card 10 1997
6,038,547 Construction tracking and payment method and system 132 1998
5,842,178 Computerized quotation system and method 535 1998
6,253,328 Method and apparatus for securing passwords and personal identification numbers 63 1998
6,032,134 Credit card billing system for identifying expenditures on a credit card account 119 1998
2003/0050,831 SYSTEM FOR DISTRIBUTION AND REDEMPTION OF LOYALTY POINTS AND COUPONS 96 1998
6,243,689 System and method for authorizing electronic funds transfer at a point of sale 130 1998
2002/0069,104 METHOD AND APPARATUS FOR GENERATING PERSONAL IDENTIFICATION NUMBERS FOR USE IN CONSUMER TRANSACTIONS 49 1999
6,609,106 System and method for providing electronic multi-merchant gift registry services over a distributed network 149 1999
6,385,591 Method and system for electronic organization of coupons 255 1999
6,446,053 Computer-implemented method and system for producing a proposal for a construction project 86 1999
2002/0128,903 ENCRYPTED COUPONS 130 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 275 1999
6,327,575 Point of sale terminal for the visually impaired 110 2000
6,581,040 Project specific communications system and method 102 2000
7,089,203 Building construction bid and contract management system, internet-based method and computer program therefor 42 2000
6,769,605 Money transfer system 58 2000
2002/0077,895 Electronic consumer incentive distribution system 88 2000
2002/0091,567 System and method for electronically redeeming coupons 23 2001
2002/0147,633 Interactive advertisement and reward system 36 2001
2001/0047,295 Equity rewards method 47 2001
2002/0107,731 Purchase-based reward system and method 39 2001
2001/0029,464 Method for conducting on-line transactions 14 2001
2001/0034,663 Electronic contract broker and contract market maker infrastructure 110 2001
2002/0069,122 Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet 94 2001
2001/0038,033 Unified communications and commerce systems and methods, and device therefore 87 2001
2002/0152,116 Method and system for generating fixed and/or dynamic rebates in credit card type transactions 76 2001
2002/0059,345 Method for generating transform rules for web-based markup languages 26 2001
2002/0178,213 Remote URL munging 17 2001
2002/0152,118 System of a computer-networked, point-of-sale rebate award program 22 2001
2002/0178,113 System and method for offering customized credit card products 24 2001
2003/0009,374 Schemes employing mobile communications 37 2001
2002/0032,650 Payment system and method 37 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 177 2001
2002/0002,597 Systems and methods for producing reward advertising and distributing by click-through incentives 21 2001
2002/0007,313 Credit system 102 2001
2002/0055,874 Method and apparatus for value allocation exchange 56 2001
2002/0018,585 System and method for cardless secure credit transaction processing 65 2001
2003/0018,523 Rewards program using electronically encoded instruments 71 2001
2002/0042,742 Customer award and incentive system 30 2001
6,607,127 Magnetic stripe bridge 191 2001
2002/0040,344 Check guarantee, verification, processing, credit reports and collection system and method awarding purchase points for usage of checks 57 2001
2003/0061,093 System for rewarding customers of financial services providers 54 2001
2002/0178,056 Consumer loyalty marketing program based on multi-transaction platform that provides high rewards to members under a tiered reward scheme 24 2001
2002/0062,253 Loyalty club reward system for use in a broadcast loyalty program 75 2001
6,754,640 Universal positive pay match, authentication, authorization, settlement and clearing system 115 2001
2003/0083,933 Systems and methods for providing rewards benefits to account holders 62 2001
2002/0082,920 System and methods for providing a multi-merchant loyalty program 94 2001
2002/0072,974 System and method for displaying and selling goods and services in a retail environment employing electronic shopper aids 198 2001
2002/0059,103 Building frequent shopper programs for web merchants 38 2002
2002/0116,266 Method and system for tracking and providing incentives for time and attention of persons and for timing of performance of tasks 128 2002
7,340,773 Multi-stage authorisation system 8 2002
2003/0009,426 Methods and apparatus for protecting against credit card fraud, check fraud, and identity theft 29 2002
2003/0200,141 Customer loyalty program 22 2002
2003/0004,803 Method for providing securities rewards to customers 23 2002
2003/0220,834 Retail loyalty system (RLS) with embedded web server 28 2002
2004/0002,916 Systems and methods for managing balance transfer accounts 67 2002
2003/0208,400 Incentive mechanism for encouraging adoption and use 20 2002
2003/0212,630 Method and apparatus for payment of bills and obligations by credit card 26 2002
2003/0065,618 Method and system for electronic payroll advance and deposit 22 2002
6,727,802 Anti-tear protection for smart card transactions 40 2002
2003/0182,246 Applications of fractal and/or chaotic techniques 89 2003
2003/0233,278 Method and system for tracking and providing incentives for tasks and activities and other behavioral influences related to money, individuals, technology and other assets 218 2003
2003/0225,619 System and method for dealing with loyalty program points 34 2003
2003/0216,964 Apparatus and method of distributing and tracking the distribution of incentive points 46 2003
2003/0208,439 Automated soft limit control of electronic transaction accounts 133 2003
2004/0010,447 System, method and apparatus for membership retention and conversion 20 2003
2005/0091,104 Savemore 32 2003
2003/0216,967 Electronic promotions systems 95 2003
2004/0138,991 Anti-fraud document transaction system 19 2003
2005/0055,270 Supervisory control and acquisition system for retail advertising and reward program 26 2003
2006/0010,033 Reward programme points exchange 59 2003
2004/0177,036 Bank account automatic adjustment system 107 2003
2005/0120,180 Cache time determination 29 2003
2005/0149,393 Lottery credit card rewards system 31 2004
2005/0171,839 Communication system for business marketing including a point system to motivate users 23 2004
2005/0187,820 Participating in an incentive program using a portable memory device 24 2004
2004/0149,544 Scraping and cleaning device for conveyor belts 60 2004
2005/0278,215 Consumer reward system 37 2004
2005/0004,839 Method and system for providing incentives based on a payment type 71 2004
2004/0249,712 System, method and computer program product for presenting, redeeming and managing incentives 70 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 160 2004
2006/0010,034 Method for rewarding purchasing activities and a system thereof 23 2004
2004/0230,843 System and method for authenticating users using image selection 72 2004
2006/0020,507 Method and apparatus for managing multi-entity customer relations 24 2004
2005/0021,363 Debit card per-transaction charitable contribution 100 2004
2005/0049,965 Method and system for calculating reward earned from transactions for voucher or stored value for transactions and method of redeeming the voucher or stored value 22 2004
2005/0021,405 Business method for promoting sale of merchandise and novel smiles stamps or gift stamps of philatelic value for use in promoting business by sale of merchandise 27 2004
7,051,929 Secure credit card having daily changed security number 132 2004
2005/0080,747 Method for generating customer one-time unique purchase order numbers 129 2004
2005/0082,362 Anonymous merchandise delivery system 40 2004
2005/0086,160 Method for implementing anonymous credit card transactions using a fictitious account name 170 2004
2005/0086,177 Method for customizing payment card transactions at the time of the transactions 130 2004
2005/0119,938 Method for providing consumer benefits using a club program 26 2004
2005/0125,292 Retail rebate card 44 2004
2005/0177,523 Method for improving the terms of consumer relationships 18 2004
2005/0222,906 System and method of targeted marketing 81 2005
2005/0246,627 System and method for creating and maintaining a web site 55 2005
2005/0160,051 Network-accessible account system 23 2005
2005/0256,802 Payment protocol and data transmission method and data transmission device for conducting payment transactions 61 2005
2006/0259,766 System and method to protect personal identity identifiers 9 2005
2006/0020,783 Method, system and service for conducting authenticated business transactions 41 2005
2006/0026,073 Methods and Systems for Managing Card Programs and Processing Card Transactions 40 2005
2006/0122,943 System for providing cardless payment 8 2006
2007/0192,618 System and method for single sign on process for websites with multiple applications and services 19 2006
2009/0192,940 SYSTEM FOR PROVIDING CARDLESS PAYMENT 9 2009
2010/0057,553 System and Method for Performing a Real Time Redemption Transaction by Leveraging a Payment Network 19 2009

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Patent Info (Count) # Cites Year
 
BANK OF AMERICA CORPORATION (1)
8,417,604 Personal data aggregation, integration and access 0 2010

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