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

Stats

ALSO PUBLISHED AS: 20080016180
ATTORNEY / AGENT: (SPONSORED)
 

Importance

Loading Importance Indicators... loading....

Abstract

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.

Loading the Abstract Image... loading....

First Claim

Related Publications

Loading Related Publications... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1867

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Bowers, Theodore J Wilmington, DE 3 19
Ilijasic, Dean Wilmington, DE 12 72
Sanders, Shelley F Landenberg, PA 10 42

Cited Art

Patent Info (Count) # Cites Year
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (61)
4,255,811 Key controlled block cipher cryptographic system 46 1975
4,316,055 Stream/block cipher crytographic system 153 1976
4,223,403 Cryptographic architecture for use with a high security personal identification system 62 1978
4,302,810 Method and apparatus for secure message transmission for use in electronic funds transfer systems 138 1979
4,661,658 Offline PIN validation with DES 58 1985
4,747,050 Transaction security system using time variant parameter 94 1987
5,560,008 Remote authentication and authorization in a distributed data processing system 241 1989
5,315,504 Electronic document approval system 66 1990
5,317,683 Method and apparatus for automated meeting agenda generation in a data processing system 86 1990
5,196,840 Secure communications system for remotely located computers 89 1990
5,469,576 Front end for file access controller 83 1993
5,604,490 Method and system for providing a user access to multiple secured subsystems 138 1994
5,532,920 Data processing system and method to enforce payment of royalties when copying softcopy books 377 1994
6,134,549 Client/server computer system having personalizable and securable views of database data 124 1995
5,661,807 Authentication system using one-time passwords 66 1995
5,832,211 Propagating plain-text passwords from a main registry to a plurality of foreign registries 86 1995
5,838,903 Configurable password integrity servers for use in a shared resource environment 80 1995
5,862,323 Retrieving plain-text passwords from a main registry by a plurality of foreign registries 57 1995
5,592,553 Authentication system using one-time passwords 95 1996
5,826,023 Communications tunneling 50 1996
5,933,827 System for identifying new web pages of interest to a user 178 1996
5,796,827 System and method for near-field human-body coupling for encrypted communication with identification cards 170 1996
6,012,088 Automatic configuration for internet access device 492 1996
5,918,239 Deferred display of web pages corresponding to links selected by user 100 1997
5,875,296 Distributed file system web server user authentication with cookies 372 1997
6,104,716 Method and apparatus for lightweight secure communication tunneling over the internet 191 1997
6,684,384 Extensible object oriented framework for general ledger 38 1997
5,963,952 Internet browser based data entry architecture 154 1997
5,982,370 Highlighting tool for search specification in a user interface of a computer system 169 1997
6,000,033 Password control via the web 102 1997
6,092,192 Apparatus and methods for providing repetitive enrollment in a plurality of biometric recognition systems based on an initial enrollment 105 1998
6,505,773 Authenticated electronic coupon issuing and redemption 67 1998
6,178,511 Coordinating user target logons in a single sign-on (SSO) environment 159 1998
6,275,944 Method and system for single sign on using configuration directives with respect to target types 107 1998
6,580,814 System and method for compressing biometric models 31 1998
6,321,337 Method and system for protecting operations of trusted internal networks 167 1998
6,327,578 Four-party credit/debit payment protocol 276 1998
6,507,912 Protection of biometric data via key-dependent sampling 62 1999
6,651,168 Authentication framework for multiple authentication processes and mechanisms 100 1999
6,493,685 Electronic account presentation and response system and method 242 1999
6,256,664 Method and apparatus for computed relevance messaging 104 1999
6,751,654 Simulating web cookies for non-cookie capable browsers 44 1999
6,535,980 Keyless encryption of messages using challenge response 42 1999
6,470,357 System and method of enhanced directory services for telecommunications management network applications 32 1999
6,957,337 Method and apparatus for secure authorization and identification using biometrics without privacy invasion 53 1999
6,549,972 Method and system for providing control accesses between a device on a non-proprietary bus and a device on a proprietary bus 9 1999
6,725,269 System and method for maintaining multiple identities and reputations for internet interactions 77 1999
6,735,695 Methods and apparatus for restricting access of a user using random partial biometrics 64 1999
7,013,286 Generation, distribution, storage, redemption, validation and clearing of electronic coupons 60 1999
6,571,216 Differential rewards with dynamic user profiling 94 2000
7,039,714 Method of enabling an intermediary server to impersonate a client user's identity to a plurality of authentication domains 32 2000
6,934,848 Technique for handling subsequent user identification and password requests within a certificate-based host session 56 2000
6,976,164 Technique for handling subsequent user identification and password requests with identity change within a certificate-based host session 60 2000
6,819,219 Method for biometric-based authentication in wireless communication for access control 169 2000
6,965,939 Method and apparatus for processing requests in a network data processing system based on a trust association between servers 35 2001
7,134,075 Conversion of documents between XML and processor efficient MXML in content based routing networks 58 2001
2003/0004,794 Corporate rewards program overdraft method 11 2001
2003/0037,131 User information coordination across multiple domains 37 2001
6,641,050 Secure credit card 136 2001
2004/0054,931 Calendar based security object management 7 2002
2005/0240,474 Pattern based promotion evaluation 16 2005
 
JPMORGAN CHASE BANK, N.A. (46)
6,266,683 Computerized document management system 126 1997
6,006,249 Method and apparatus for concurrent data processing 96 1997
6,070,244 Computer network security management system 241 1997
6,438,666 Method and apparatus for controlling access to confidential data by analyzing property inherent in data 53 1998
6,301,567 Lockbox browser system 76 1998
6,227,447 Cardless payment system 310 1999
7,389,256 Network based financial transaction processing system 17 1999
6,557,039 System and method for managing information retrievals from distributed archives 165 1999
7,058,817 System and method for single sign on process for websites with multiple applications and services 38 2000
7,747,866 System and method providing improved error detection related to transmission of data over a communication link 4 2000
7,542,921 Network-based financial planning system and method 7 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 45 2000
6,631,849 Selectable multi-purpose card 277 2000
6,341,724 Cardless payment system 134 2001
6,532,284 Method and system for optimizing bandwidth cost via caching and other network transmission delaying techniques 87 2001
6,772,146 Website for financial information 68 2001
7,249,095 System and method for executing deposit transactions over the internet 20 2001
7,246,263 System and method for portal infrastructure tracking 12 2001
7,103,556 System and method for aggregate portfolio client support 72 2001
2002/0116,331 System and method for selectable funding of electronic transactions 52 2001
2003/0101,116 System and method for providing customers with seamless entry to a remote server 13 2001
2003/0105,981 System and method for single session sign-on 70 2001
2003/0220,989 Method and system for client browser update 10 2002
7,689,506 System and method for rapid updating of credit information 6 2002
7,587,363 System and method for optimized funding of electronic transactions 62 2002
7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture 9 2002
7,689,504 System and method for establishing or modifying an account with user selectable terms 19 2002
2004/0111,363 Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts 53 2003
2004/0243,506 System and method for offering risk-based interest rates in a credit instrument 17 2003
2005/0065,877 Method and system for distribution of unactivated bank account cards 36 2003
2004/0122,736 System and method for granting promotional rewards to credit account holders 56 2003
2004/0210,498 Method and system for performing purchase and other transactions using tokens with multiple chips 48 2004
2005/0091,492 Portable security transaction protocol 35 2004
7,707,111 Customer activated multi-value (CAM) card 22 2004
7,349,866 System and method for funding a collective account by use of an electronic tag 25 2004
7,191,952 Selectable multi-purpose card 74 2004
2006/0106,703 System and method for aggregate portfolio client support 52 2005
2006/0116,949 System for automatically transferring account information, such as information regarding a financial services account 42 2006
7,444,672 System and method for single sign on process for websites with multiple applications and services 15 2006
7,801,814 System and method for selectable funding of electronic transactions 9 2006
7,357,331 Selectable multi-purpose card 39 2006
2007/0260,706 SYSTEM AND METHOD FOR PORTAL INFRASTRUCTURE TRACKING 4 2007
7,680,731 System and method for executing deposit transactions over the internet 3 2007
7,680,732 System and method for executing deposit transactions over the internet 3 2007
2008/0177,659 SYSTEMS AND METHODS FOR PROVIDING FINANCIAL PROCESSING IN CONJUNCTION WITH INSTANT MESSAGING AND OTHER COMMUNICATIONS 48 2007
2008/0184,315 Electronic television program guide schedule system and method with remote product ordering 15 2007
 
WALKER DIGITAL, LLC (28)
5,768,382 Remote-auditing of computer generated outcomes and authenticated biling and access control system using cryptographic and other protocols 544 1995
5,871,398 Off-line remote system for lotteries and games of skill 444 1996
5,947,747 Method and apparatus for computer-based educational testing 137 1996
5,825,863 Prepaid limited usage calling card 122 1996
5,970,143 Remote-auditing of computer generated outcomes, authenticated billing and access control, and software metering system using cryptographic and other protocols 429 1996
5,884,270 Method and system for facilitating an employment search incorporating user-controlled anonymous communications 156 1996
5,884,272 Method and system for establishing and maintaining user-controlled anonymous communications 223 1996
5,995,976 Method and apparatus for distributing supplemental information related to printed articles 81 1996
5,946,388 Method and apparatus for priority queuing of telephone calls 133 1997
5,970,478 Method, apparatus, and program for customizing credit accounts 136 1997
6,014,439 Method and apparatus for entertaining callers in a queue 100 1997
5,978,467 Method and apparatus for enabling interaction between callers with calls positioned in a queue 85 1997
6,088,444 Method and apparatus for value-based queuing of telephone calls 63 1997
6,024,640 Off-line remote lottery system 319 1997
6,144,948 Instant credit card marketing system for reservations for future services 259 1997
5,945,653 System and method for establishing and executing functions to affect credit card accounts and transactions 218 1997
6,119,093 System for syndication of insurance 157 1997
5,970,470 System and method for establishing and managing subscription purchase agreements including commitments to purchase goods over time at agreed upon prices 135 1997
6,119,099 Method and system for processing supplementary product sales at a point-of-sale terminal 176 1997
6,018,718 Method and system for processing customized reward offers 240 1997
6,163,771 Method and device for generating a single-use financial account number 191 1997
6,208,978 System and method for issuing security deposit guarantees based on credit card accounts 94 1997
6,064,987 Method and apparatus for providing and processing installment plans at a terminal 157 1997
6,138,106 Dynamically changing system for fulfilling concealed value gift certificate obligations 102 1997
5,999,596 Method and system for controlling authorization of credit card transactions 141 1998
6,336,104 Method and apparatus for providing and processing installment plans at a terminal 63 1999
6,434,534 Method and system for processing customized reward offers 61 1999
7,006,983 Method and system for processing a rebate 26 2000
 
FIRST DATA CORPORATION (24)
4,321,672 Financial data processing system 594 1979
6,332,126 System and method for a targeted payment system discount program 91 1996
6,141,651 Funding and settlement integrated suspense processing system 121 1998
6,820,202 Account authority digital signature (AADS) system 65 1998
6,135,349 System and method for enabling a merchant to apply for a credit card processing account using the internet 111 1999
6,202,005 System for selectively printing messages and adding inserts to merchant statements 61 1999
6,349,242 Method for selectively printing messages and adding inserts to merchant statements 53 2001
6,623,415 Sheet folding systems and methods 46 2001
2002/0198,806 Systems and methods for accessing and modifying usage parameters associated with a financial transaction account 54 2002
2003/0115,160 Weight measuring systems and methods for weighing items 41 2002
6,938,156 ABDS system and verification status for authenticating entity access 47 2003
6,950,940 ABDS method utilizing security information in authenticating entity access 24 2003
2003/0171,992 System and methods for redeeming rewards associated with accounts 39 2003
2005/0086,166 Systems and methods for fraud management in relation to stored value cards 16 2003
2005/0125,295 Systems and methods for obtaining payor information at a point of sale 30 2003
2005/0125,337 Systems and methods for identifying payor location based on transaction data 23 2003
2005/0125,338 Systems and methods for assessing the risk of a financial transaction using reconciliation information 30 2003
2005/0125,350 Systems and methods for assessing the risk of financial transaction using geographic-related information 36 2003
2005/0125,360 Systems and methods for obtaining authentication marks at a point of sale 40 2003
2005/0137,982 Systems and methods for determining a reconcilement result 21 2003
2005/0149,440 Systems and methods for routing requests for reconcilement information 15 2003
7,640,205 Systems and methods for accessing reconcilement information 11 2003
7,580,857 Methods and systems for online transaction processing 41 2004
2007/0088,950 ACCOUNT-BASED DIGITAL SIGNATURE (ABDS) SYSTEM USING BIOMETRICS 12 2006
 
MICROSOFT CORPORATION (24)
5,861,906 Interactive entertainment network system and method for customizing operation thereof according to viewer preferences 225 1995
5,852,812 Billing system for a network 450 1995
5,878,141 Computerized purchasing system and method for mediating purchase transactions over an interactive network 380 1995
5,815,665 System and method for providing trusted brokering services over a distributed network 548 1996
6,189,029 Web survey tool builder and result compiler 248 1996
5,842,211 Method and system for transferring a bank file to an application program 100 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 557 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 455 1997
6,484,149 Systems and methods for viewing product information, and methods for generating web pages 311 1997
6,026,429 Seamless integration of internet resources 114 1997
6,308,273 Method and system of security location discrimination 286 1998
6,308,274 Least privilege via restricted tokens 102 1998
6,584,505 Authenticating access to a network server without communicating login information through the network server 107 1999
6,574,348 Technique for watermarking an image and a resulting watermarked image 57 1999
6,401,211 System and method of user logon in combination with user authentication for network access 101 2000
7,089,585 Method and system for authorizing a client computer to access a server computer 33 2000
7,051,330 Generic application server and method of operation therefor 53 2000
6,892,231 Method and apparatus for verifying the contents of a global configuration file 39 2000
2003/0101,454 Methods and systems for planning advertising campaigns 84 2001
7,203,909 System and methods for constructing personalized context-sensitive portal pages or views by analyzing patterns of users' information access activities 52 2002
7,545,931 Protection of application secrets 18 2002
7,076,453 System and method for designing and operating an electronic store 39 2002
7,549,170 System and method of inkblot authentication 4 2003
7,299,201 System and method for designing and operating an electronic store 16 2006
 
CITIBANK, N.A. (18)
5,557,518 Trusted agents for open electronic commerce 727 1994
5,710,889 Interface device for electronically integrating global financial services 550 1995
5,866,889 Integrated full service consumer banking system and system and method for opening an account 117 1995
5,659,165 Customer-directed, automated process for transferring funds between accounts via a communications network 248 1995
5,966,695 Sales and marketing support system using a graphical query prospect database 286 1995
5,642,419 Method for acquiring and revalidating an electronic credential 229 1995
6,049,782 Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution 214 1996
5,930,764 Sales and marketing support system using a customer information database 350 1996
6,088,686 System and method to performing on-line credit reviews and approvals 440 1996
6,029,153 Method and system for analyzing and handling the customer files of a financial institution 85 1997
6,081,790 System and method for secure presentment and payment over open networks 220 1998
6,381,587 Method and system for standardizing and reconciling invoices from vendors 35 1998
6,226,623 Global financial services integration system and process 324 1998
7,010,512 Transfer instrument 60 1998
6,131,810 Integrated full service consumer banking system and system and method for opening an account 202 1999
6,385,652 Customer access solutions architecture 66 1999
6,349,290 Automated system and method for customized and personalized presentation of products and services of a financial institution 230 1999
7,092,905 Systems and methods for the processing of financial transactions 48 2001
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (18)
5,321,841 System for determining the rights of object access for a server process by combining them with the rights of the client process 319 1993
5,844,553 Mechanism to control and use window events among applications in concurrent computing 286 1996
5,828,833 Method and system for allowing remote procedure calls through a network firewall 179 1996
6,055,637 System and method for accessing enterprise-wide resources by presenting to the resource a temporary credential 295 1996
5,884,312 System and method for securely accessing information from disparate data sources through a network 229 1997
6,208,984 Method and system of determining access to records of members of a community 40 1997
6,832,202 Method and system of routing requests for authorized approval 39 1997
6,081,810 Report database system 79 1998
6,810,395 Method and apparatus for query-specific bookmarking and data collection 57 1999
6,349,336 Agent/proxy connection control across a firewall 109 2000
2003/0154,171 Apparatus and method for selling personal information 23 2000
7,302,585 System for providing a trustworthy user interface 28 2000
7,069,434 Secure data transfer method and system 18 2000
6,937,976 Method and system for temporary network identity 13 2001
2003/0055,871 Document/poster composition and printing 36 2001
7,073,059 Secure machine platform that interfaces to operating systems and customized control programs 47 2002
2005/0108,102 Method, apparatus, and system for verifying incoming orders 18 2003
2005/0108,151 Order review workflow 13 2003
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (16)
2001/0034,720 System for facilitating a transaction 158 2001
2001/0054,003 System and method for using loyalty points 248 2001
2002/0046,116 System and method for loyalty program distribution and settlement 38 2001
2002/0128,977 Microchip-enabled online transaction system 84 2001
2003/0225,618 System and method for exchanging loyalty points for acquisitions 34 2002
2003/0236,712 System and method for distributing vouchers 27 2003
2005/0086,103 Electronic shopping cart for transactions 19 2003
2005/0149,386 AUTHORIZING THIRD PARTY PARTICIPANTS 14 2003
2005/0033,619 METHOD AND SYSTEM FOR TRACKING USER PERFORMANCE 48 2004
2005/0203,824 A SYSTEM AND METHOD FOR USING CASH REBATES 28 2004
2006/0004,629 Deferred loyalty points redemption method 39 2004
2005/0171,898 SYSTEMS AND METHODS FOR MANAGING MULTIPLE ACCOUNTS ON A RF TRANSACTION DEVICE USING SECONDARY IDENTIFICATION INDICIA 100 2004
2005/0197,904 Credit card reward program 15 2005
2005/0160,003 SYSTEM AND METHOD FOR INCENTING RFID TRANSACTION DEVICE USAGE AT A MERCHANT LOCATION 20 2005
7,506,806 Smartcard transaction method and system using fingerprint recognition 27 2007
7,686,218 System and method for exchanging loyalty points for acquisitions 8 2007
 
CAPITAL ONE FINANCIAL CORPORATION (16)
5,933,817 Tiered interest rate revolving credit system and method 167 1996
6,947,897 System and method for managing consumer information 12 2001
2002/0123,946 Methods and systems for providing debt recovery partnership 23 2001
2003/0009,393 Systems and methods for providing purchase transaction incentives 45 2001
6,819,748 Menuing method and system 13 2001
2003/0105,689 Methods, systems and articles of manufacture for managing financial accounts with reward incentives 26 2001
2003/0126,011 Systems and methods for issuing partnership checks to a customer having a financial account 19 2002
2004/0064,401 Systems and methods for detecting fraudulent information 46 2002
2004/0078,324 Systems and methods for authenticating a financial account at activation 15 2002
7,090,138 System and method for redeeming rewards and incentives 18 2003
2005/0171,901 Methods and systems for offering a credit card account to a potential home buyer 18 2004
2005/0192,862 Methods, systems, and articles of manufacture for providing incentives for a financial account 15 2004
2005/0246,289 System and method for processing and for funding a transaction 18 2004
2005/0234,769 System and method for providing personalized customer assistance using a financial card having an RFID device 15 2004
2005/0234,789 Systems, methods and computer readable media for providing and managing balance transfer accounts 22 2004
2005/0144,105 Methods and systems for adjusting account terms based on purchase transaction information 15 2004
 
FUJITSU LIMITED (13)
5,097,115 Transaction authentication system 101 1989
5,428,684 Electronic cashless transaction system 93 1992
6,003,762 Transaction terminal for an electronic cashless system 201 1994
5,539,825 Electronic cashless transaction system 160 1994
5,848,427 Information changing system and method of sending information over a network to automatically change information output on a user terminal 83 1996
5,913,202 Financial information intermediary system 330 1997
6,611,819 Electronic money apparatus, method, card and computer readable record medium having electronic money processing program recorded thereon 33 1998
2001/0029,490 Automatic transaction device and recording medium having a transaction program which can be read by a computer 15 2001
2003/0018,915 Method and system for user authentication and authorization of services 36 2001
2005/0091,138 Method and apparatus for processing reward point, and computer product therefor 63 2004
2006/0080,254 Individual authentication method, individual authentication device, and program for same 12 2005
2006/0143,117 Automated transaction control method, automated transaction device, and storage medium stored program for same 14 2005
2009/0313,110 METHOD AND SYSTEM FOR SUPPORTING SELECTION OF REWARD PROGRAM 8 2009
 
SUN MICROSYSTEMS, INC. (12)
5,848,400 Electronic check exchange, clearing and settlement system 154 1996
5,884,288 Method and system for electronic bill payment 288 1996
6,105,012 Security system and method for financial institution server and client web browser 159 1997
6,226,679 Common management information protocol (CMIP) agent registration methods systems and computer program products 53 1997
6,073,113 Compatibility checking between instruments, operations and protocols in electronic commerce 97 1998
6,510,523 Method and system for providing limited access privileges with an untrusted terminal 80 1999
6,226,752 Method and apparatus for authenticating users 240 1999
7,188,181 Universal session sharing 116 1999
6,609,198 Log-on service providing credential level change without loss of session continuity 213 1999
6,668,322 Access management system and method employing secure credentials 144 1999
7,165,256 Task grouping in a distributed processing framework system and methods for implementing the same 13 2001
2005/0015,490 System and method for single-sign-on access to a resource via a portal server 16 2003
 
CATALINA MARKETING CORPORATION (11)
5,644,723 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 337 1994
5,832,457 Method and apparatus for selective distribution of discount coupons based on prior customer behavior 466 1995
5,642,485 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 341 1995
5,649,114 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 410 1995
5,687,322 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 577 1995
5,710,886 Electric couponing method and apparatus 399 1995
6,334,108 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 106 1996
6,424,949 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 134 1997
6,795,809 Method and apparatus for logging system test data in a POS system 31 1998
6,298,330 Communicating with a computer based on the offline purchase history of a particular consumer 116 1999
6,684,195 Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 84 2000
 
WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (11)
5,949,875 Parallel data network billing and collection system 86 1996
6,012,983 Automated play gaming device 360 1996
6,001,016 Remote gaming device 411 1996
5,909,486 Method and apparatus for awarding and redeeming prepaid telephone time 105 1997
6,010,404 Method and apparatus for using a player input code to affect a gambling outcome 111 1997
5,926,796 Method and apparatus for selling subscriptions to periodicals in a retail environment 119 1997
5,737,414 900 number billing and collection system and method for on-line computer services 128 1997
5,949,044 Method and apparatus for funds and credit line transfers 271 1997
6,128,599 Method and apparatus for processing customized group reward offers 296 1997
6,049,778 Method and apparatus for administering a reward program 236 1997
5,967,896 Method and apparatus for controlling a gaming device having a plurality of balances 100 1998
 
HITACHI, LTD. (10)
5,018,196 Method for electronic transaction with digital signature 122 1989
5,450,537 Method and apparatus for completing a partially completed document in accordance with a blank form from data automatically retrieved from a database 97 1993
5,774,122 Method for visual programming with aid of animation 64 1996
5,832,476 Document searching method using forward and backward citation tables 79 1996
5,952,639 Depositing, withdrawal, balance check, exchange and transfer of electronic money in automatic cash handling machine 130 1996
6,718,482 Fault monitoring system 54 2001
6,954,932 Program control system and program control method 20 2001
2002/0046,106 Method and system for modeling business card exchanges in a point-to -point value 44 2001
2002/0198,807 Product brokerage transaction processing system, and product brokerage transaction processing method and program 15 2002
2004/0249,710 Methods and apparatus for implementing loyalty programs using portable electronic data storage devices 20 2004
 
INTER*ACT SYSTEMS, INCORPORATED (9)
5,237,620 Check reader method and system for reading check MICR code 169 1992
5,621,812 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 408 1993
5,638,457 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 313 1994
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 249 1994
5,675,662 Method and system for building a database for use with selective incentive marketing in response to customer shopping histories 246 1994
5,592,560 Method and system for building a database and performing marketing based upon prior shopping history 281 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 196 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 212 1995
2002/0073,019 SYSTEM, METHOD, AND DATABASE FOR PROCESSING TRANSACTIONS 92 1997
 
TEXTURA CORPORATION (9)
2005/0289,051 Construction payment management system and method 22 2005
2006/0173,706 Method of and system for evaluating financial risk associated with a construction project 7 2006
2006/0271,477 Construction payment management system and method with real-time draw notification features 9 2006
2006/0271,478 Construction payment management system and method with hierarchical invoicing and direct payment features 7 2006
2006/0271,479 Construction payment management system and method with budget reconciliation features 6 2006
2006/0271,397 Construction payment management system and method with automatic workflow management features 8 2006
2006/0271,480 Construction payment management system and method with graphical user interface features 7 2006
2007/0078,771 Construction payment management system and method with document tracking features 16 2006
7,490,064 Construction payment management system and method with budget reconciliation features 5 2007
 
CISCO TECHNOLOGY, INC. (8)
5,848,143 Communications system using a central controller to control at least one network and agent system 208 1996
6,311,275 Method for providing single step log-on access to a differentiated computer network 70 1998
6,424,947 Distributed IRD system 126 1998
6,219,706 Access control for networks 221 1998
6,253,327 Single step network logon based on point to point protocol 108 1998
6,687,222 Backup service managers for providing reliable network services in a distributed environment 93 1999
6,775,783 Client security for networked applications 17 1999
6,847,991 Data communication among processes of a network component 36 2001
 
CITICORP DEVELOPMENT CENTER, INC. (8)
5,485,370 Home services delivery system with intelligent terminal emulator 210 1993
5,825,003 Customer-directed, automated process for transferring funds between accounts using a holding account and local processing 102 1997
5,963,647 Method and system for transferring funds from an account to an individual 185 1997
5,933,816 System and method for delivering financial services 400 1997
6,012,049 System for performing financial transactions using a smartcard 138 1998
6,889,198 Method and system for tracking smart card loyalty points 27 1999
6,289,324 System for performing financial transactions using a smart card 122 2000
7,137,006 Method and system for single sign-on user access to multiple web servers 63 2000
 
EBAY INC. (8)
5,832,460 Method and system for bill presentation and payment reconciliation 274 1995
6,267,292 Method and apparatus for funds and credit line transfers 197 1999
7,047,222 Secure encryption of data packets for transmission over unsecured networks 24 2000
7,043,455 Method and apparatus for securing session information of users in a web application server environment 7 2000
2001/0016,835 Method of payment by means of an electronic communication device 29 2001
2005/0171,842 Method and system for incentivizing the promotion of a payment service 26 2004
2005/0144,071 Method and apparatus to facilitate the electronic accumulation and redemption of a value in an account 23 2004
7,581,112 Identifying fraudulent activities and the perpetrators thereof 10 2004
 
LUCENT TECHNOLOGIES INC. (8)
5,570,295 System and method of capturing encoded data transmitted over a communications network in a video system 245 1994
5,857,079 Smart card for automatic financial records 266 1994
5,657,383 Flexible customer controlled telecommunications handling 111 1995
6,005,943 Electronic identifiers for network terminal devices 65 1996
5,961,593 System and method for providing anonymous personalized browsing by a proxy system in a network 316 1997
6,014,636 Point of sale method and system 250 1997
6,360,250 Apparatus and method for sharing information in simultaneously viewed documents on a communication system 155 1998
6,618,579 Tunable filter with bypass 103 1999
 
VISA INTERNATIONAL SERVICE ASSOCIATION (8)
4,701,601 Transaction card with magnetic stripe emulator 287 1985
5,465,206 Electronic bill pay system 618 1993
5,703,344 Electronic funds confirmation at point of transaction 251 1995
5,621,201 Automated purchasing control system 320 1996
5,920,847 Electronic bill pay system 540 1996
5,963,925 Electronic statement presentment system 327 1997
6,560,581 System and method for secure electronic commerce transaction 217 1998
2002/0178,112 Point of sale check service 92 2001
 
YT ACQUISITION CORPORATION (8)
5,615,277 Tokenless security system for authorizing access to a secured computer system 247 1994
5,838,812 Tokenless biometric transaction authorization system 240 1996
5,805,719 Tokenless identification of individuals 319 1997
6,366,682 Tokenless electronic transaction system 96 1998
6,230,148 Tokenless biometric electric check transaction 123 1999
6,269,348 Tokenless biometric electronic debit and credit transactions 204 1999
6,154,879 Tokenless biometric ATM access system 200 1999
2009/0228,362 TOKENLESS BIOMETRIC ELECTRONIC FINANCIAL TRANSACTIONS VIA A THIRD PARTY IDENTICATOR 12 2009
 
CHASE MANHATTAN BANK, THE (7)
5,678,046 Method and apparatus for distributing files on a file storage device 197 1995
6,038,552 Method and apparatus to process combined credit and debit card transactions 170 1997
6,418,457 Document storage and processing system for inventors that utilize timestamps and digital signatures 43 1997
6,535,855 Push banking system and method 90 1998
6,609,125 Funds transfer repair system 89 1999
6,609,113 Method and system for processing internet payments using the electronic funds transfer network 317 2000
2002/0077,978 Method and system for processing internet payments 240 2001
 
CHESS VENTURES LLC (7)
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
2003/0034,388 Method for generating customer secure card numbers subject to use restrictions by an electronic card 8 2001
6,805,288 Method for generating customer secure card numbers subject to use restrictions by an electronic card 136 2001
 
PRIVASYS, INC. (7)
6,592,044 Anonymous electronic card for generating personal coupons useful in commercial and security transactions 172 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 145 2000
6,755,341 Method for storing data in payment card transaction 89 2000
2003/0061,168 Method for generating customer secure card numbers 5 2001
2003/0061,168 Method for generating customer secure card numbers 5 2001
7,195,154 Method for generating customer secure card numbers 89 2001
2007/0215,688 Method for Generating Customer Secure Card Numbers 23 2007
 
VISA U.S.A. INC. (7)
4,605,820 Key management system for on-line communication 123 1983
7,356,516 Method and system for facilitating electronic dispute resolution 29 2002
6,920,611 Method and system for implementing a loyalty merchant component 41 2003
2005/0071,225 System and apparatus for linking multiple rewards programs to promote the purchase of specific product mixes 50 2003
2005/0071,226 Method and system for managing dynamic terms and conditions and user interaction 36 2003
2005/0071,227 Method and system for managing concurrent sku-based rewards program 36 2003
2006/0080,243 System and method for issuer originated payments for on-line banking bill payments 31 2005
 
XATRA FUND MX, LLC (7)
7,249,112 System and method for assigning a funding source for a radio frequency identification device 48 2002
2004/0239,481 METHOD AND SYSTEM FOR FACIAL RECOGNITION BIOMETRICS ON A FOB 41 2004
7,121,471 Method and system for DNA recognition biometrics on a fob 24 2004
7,228,155 System and method for remotely initializing a RF transaction 51 2004
7,493,288 RF payment via a mobile device 36 2004
7,312,707 System and method for authenticating a RF transaction using a transaction account routing number 39 2004
2005/0077,349 METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER 70 2004
 
ACCENTURE GLOBAL SERVICES LIMITED (6)
5,592,378 Computerized order entry system and method 327 1994
6,718,535 System, method and article of manufacture for an activity framework design in an e-commerce based environment 314 1999
6,438,594 Delivering service to a client via a locally addressable interface 352 1999
6,671,818 Problem isolation through translating and filtering events into a standard object format in a network based supply chain 331 1999
7,124,101 Asset tracking in a network-based supply chain environment 263 1999
2002/0111,890 Financial modeling and counseling system 67 2001
 
CANON KABUSHIKI KAISHA (6)
6,144,946 Accounting device, communicating apparatus, and communication system 130 1997
6,009,442 Computer-based document management system 231 1997
6,182,225 Network data base control device and method thereof 57 1998
6,807,285 Embedding information in digital image data 49 1999
6,804,786 User customizable secure access token and multiple level portable interface 41 2000
2004/0111,610 Secure file format 20 2002
 
CITICORP CREDIT SERVICES, INC. (6)
2004/0010,462 Method and system for a multi-purpose transactional platform 128 2003
2004/0143,526 Establishing, modifying, and customizing account-based products 19 2003
2005/0144,143 Method and system for identity theft prevention, detection and victim assistance 20 2004
2006/0080,230 Method and system for identity theft prevention, detection and victim assistance 32 2004
2005/0251,446 Methods and systems for integration of multiple rewards programs 15 2005
2005/0234,773 Credit card mileage rewards program, system and method 15 2005
 
HEWLETT-PACKARD COMPANY (6)
5,212,792 Method and apparatus for controlling execution of tools in a computer-aided software engineering system 64 1989
5,175,682 Check system and method including prioritizing checks for transmission to banks for processing 258 1990
5,933,812 Portable transaction terminal system 151 1995
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 454 1996
5,889,863 System, method and article of manufacture for remote virtual point of sale processing utilizing a multichannel, extensible, flexible architecture 246 1996
6,061,665 System, method and article of manufacture for dynamic negotiation of a network payment framework 218 1997
 
MASTERCARD INTERNATIONAL INCORPORATED (6)
5,023,782 Travelers cheque transaction terminal 208 1990
5,692,132 System and method for conducting cashless transactions on a computer network 443 1995
5,699,528 System and method for bill delivery and payment over a communications network 826 1995
2001/0027,441 System and method for conducting electronic commerce with a remote wallet server 101 2001
2008/0133,350 METHOD AND APPARATUS FOR REWARD REDEMPTION AT THE POINT OF INTERACTION 16 2007
2009/0171,778 METHODS AND SYSTEMS FOR APPLYING A REWARDS PROGRAM PROMOTION TO PAYMENT TRANSACTIONS 13 2007
 
NEXTCARD, LLC (6)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 266 1998
6,405,181 Method and apparatus for real time on line credit approval 212 1998
6,567,791 Method and apparatus for a verifiable on line rejection of an application for credit 97 1998
6,795,812 Implementing a counter offer for an on line credit card application 45 2000
7,143,063 Method and apparatus for a verifiable on line rejection of an applicant for credit 49 2003
2005/0004,864 Implementing a counter offer for an on line credit card application 18 2004
 
ORACLE INTERNATIONAL CORPORATION (6)
6,332,192 Generalized user identification and authentication system 62 1998
6,145,086 Security and password mechanisms in a database system 54 1999
6,487,641 Dynamic caches with miss tables 59 2000
6,675,261 Request based caching of data store data 113 2001
2003/0097,574 Systems and methods for integration adapter security 33 2002
2007/0234,408 Methods and systems for multifactor authentication 14 2006
 
PROPULSION REMOTE HOLDINGS, LLC (6)
2002/0188,509 System and method for networked loyalty program 40 2001
7,613,629 System and method for the transfer of loyalty points 17 2002
7,467,096 System and method for the real-time transfer of loyalty points between accounts 19 2003
2004/0243,468 GEOGRAPHIC LOYALTY SYSTEM AND METHOD 26 2004
2005/0177,503 PAY YOURSELF FIRST LOYALTY SYSTEM AND METHOD 17 2004
2006/0053,056 CARD MEMBER DISCOUNT SYSTEM AND METHOD 51 2005
 
SIGNATURE SYSTEMS LLC (6)
6,594,640 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 144 2000
6,947,898 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 67 2003
6,820,061 Method and system for exchange and aggregation of reward points via a global computer network 68 2003
6,829,586 Method and system for aggregation of reward points for payment of auctioned items 72 2003
6,842,739 System for electronic barter, trading and redeeming points accumulated in frequent use reward programs 66 2003
7,512,551 Method and system for implementing a search engine with reward components and payment components 15 2005
 
AMAZON.COM, INC. (5)
5,727,163 Secure method for communicating credit card data when placing an order on a non-secure network 296 1995
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 433 1995
6,029,141 Internet-based customer referral system 821 1997
5,960,411 Method and system for placing a purchase order via a communications network 1103 1997
2002/0152,163 Network based user-to-user payment service 53 2001
 
GENERAL ELECTRIC CAPITAL CORPORATION (5)
6,970,830 Methods and systems for analyzing marketing campaigns 96 1999
7,003,476 Methods and systems for defining targeted marketing campaigns using embedded models and historical data 35 1999
7,006,979 Methods and systems for creating models for marketing campaigns 33 1999
7,010,495 Methods and systems for analyzing historical trends in marketing campaigns 27 1999
6,901,406 Methods and systems for accessing multi-dimensional customer data 62 2000
 
GOOGLE INC. (5)
5,534,855 Method and system for certificate based alias detection 199 1994
6,005,939 Method and apparatus for storing an internet user's identity and access rights to world wide web resources 149 1996
6,589,291 Dynamically determining the most appropriate location for style sheet application 78 1999
6,697,947 Biometric based multi-party authentication 126 1999
2002/0133,481 Methods and apparatus for providing search results in response to an ambiguous search query 16 2000
 
UNWIRED PLANET, LLC (5)
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 1 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 1 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 1 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 1 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 1 2000
 
ALIGN TECHNOLOGY, INC. (4)
2002/0188,478 Health-care systems and methods 32 2002
2005/0182,654 Systems and methods for providing treatment planning 15 2004
2005/0159,986 Health-care systems and methods 23 2005
2006/0064,329 Health-care e-commerce systems and methods 17 2005
 
ASPECT SOFTWARE, INC. (4)
5,675,637 Method for automatically obtaining and presenting data from multiple data sources 126 1995
5,640,577 Data processing system with automated at least partial forms completion 252 1995
5,790,650 Telephone call center management system which supports multi-user and separate private applications 80 1996
5,963,635 Method and apparatus for providing result-oriented customer service 160 1996
 
BMC RESOURCES, INC. (4)
5,652,786 Automated interactive bill payment system 216 1996
5,715,298 Automated interactive bill payment system using debit cards 164 1997
5,870,456 Automated interactive bill payment system using debit cards 182 1997
RE38801 Automated interactive bill payment system using debit cards 16 2003
 
CHASE BANK USA, N.A. (4)
7,163,153 Selectable multi-purpose card 109 2003
2007/0265,924 System and method for funding a collective account by use of an electronic tag 34 2007
2008/0010,202 System and method for funding a collective account by use of an electronic tag 33 2007
2009/0043,651 System and method for funding a collective account by use of an electronic tag 32 2007
 
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (4)
D491953 Proximity interface with advertising insert for transaction acceptance systems 51 2002
D490840 Proximity interface for transaction acceptance systems 39 2002
D491186 Magnetic stripe simulacrum for transaction acceptance systems 44 2002
D498236 Coreless inductor magnetic stripe simulacrum for transaction acceptance systems 37 2003
 
KABUSHIKI KAISHA TOSHIBA (4)
4,641,239 Automatic-transfer-transaction processing apparatus 79 1984
5,225,664 Mutual authentication system 56 1991
6,409,080 Portable electronic device and loyalty point system 42 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 12 2003
 
MIDNIGHT BLUE REMOTE ACCESS, LLC (4)
6,292,786 Method and system for generating incentives based on substantially real-time product purchase information 251 1999
6,609,104 Method and system for accumulating marginal discounts and applying an associated incentive 33 1999
6,611,811 Method and system for accumulating marginal discounts and applying an associated incentive upon achieving threshold 75 1999
6,516,302 Method and system for accumulating marginal discounts and applying an associated incentive upon achieving one of a plurality of thresholds 61 1999
 
MONEYFAX, INC. (4)
4,454,414 Funds transfer system using optically coupled, portable modules 395 1982
4,523,087 Transaction verification system using optical coupling data communication link 131 1982
5,122,950 Method of and system for electronic funds transfer via facsimile machines 124 1989
5,265,008 Method of and system for electronic funds transfer via facsimile with image processing verification 156 1991
 
NCR CORPORATION (4)
6,539,363 Write input credit transaction apparatus and method with paperless merchant credit card processing 70 1990
5,835,603 Financial transaction system 123 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) 217 1997
6,564,189 Universal methods and apparatus for determining prices and rewards within retail transactions 26 1998
 
NEC CORPORATION (4)
4,663,500 Cryptographic system 23 1986
2002/0049,605 Electronic business transaction system including server device, client device and connecting terminal used therein 12 2001
6,938,158 Single sign-on system and single sign-on method for a web site and recording medium 30 2001
2005/0071,637 Password authenticating apparatus, method, and program 15 2004
 
Realtime Data LLC (4)
6,624,761 Content independent data compression method and system 58 2001
7,417,568 System and method for data feed acceleration and encryption 26 2003
7,161,506 Systems and methods for data compression such as content dependent data compression 38 2003
7,400,274 System and method for data feed acceleration and encryption 19 2007
 
XEROX CORPORATION (4)
5,847,709 3-D document workspace with focus, immediate and tertiary spaces 126 1996
5,857,023 Space efficient method of redeeming electronic payments 22 1996
7,051,199 System, method and article of manufacture for providing cryptographic services utilizing a network 15 2000
2007/0019,806 System and method for establishing secondary channels 5 2006
 
ZYNGA INC. (4)
5,921,864 Electronic word puzzle game 59 1996
5,798,508 Postpaid traveler's checks 75 1996
6,006,205 Credit card billing method and system 105 1997
6,360,209 Credit card billing method and system 44 1999
 
AFFINION NET PATENTS, INC. (3)
6,578,012 Fully integrated, on-line interactive frequency and award redemption program 44 1999
2003/0036,952 Redemption system for award redemption 22 2001
2003/0195,805 On-line, interactive frequency and award redemption program 17 2003
 
AKAMAI TECHNOLOGIES, INC. (3)
6,763,388 Method and apparatus for selecting and viewing portions of web pages 56 1999
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 4 2009
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 4 2009
 
AMAZON TECHNOLOGIES, INC. (3)
7,599,856 Detection of fraudulent attempts to initiate transactions using modified display objects 15 2002
2006/0015,463 Performing automatically authorized programmatic transactions 19 2004
2006/0036,553 Automatic authorization of programmatic transactions 67 2004
 
AT&T CORP. (3)
5,835,580 Method and apparatus for automated provisioning and billing of communication services 178 1996
5,950,174 Affiliation-based arrangement for billing 118 1997
2007/0283,436 Method and apparatus for large-scale automated distributed denial of service attack detection 7 2006
 
Bottomline Technologies (DE) Inc. (3)
6,223,168 Automatic remittance delivery system 143 1998
6,856,970 Electronic financial transaction system 74 2000
2003/0167,229 Modular business transations platform 33 2001
 
BRIGHT RESPONSE, LLC (3)
6,182,059 Automatic electronic message interpretation and routing system 127 1997
6,278,996 System and method for message process and response 80 1998
6,411,947 Automatic message interpretation and routing system 91 1998
 
BRITISH TELECOMMUNICATIONS PUBLIC LIMITED COMPANY (3)
5,802,502 System for selective communication connection based on transaction pricing signals 354 1994
2003/0001,888 Data transfer method and apparatus 25 2002
2004/0117,409 Application synchronisation 27 2003
 
BuildNet, Inc. (3)
5,923,552 Systems and methods for facilitating the exchange of information between separate business entities 74 1996
6,115,641 Systems and methods for facilitating the exchange of information between separate business entities 35 1998
6,115,642 Systems and methods for facilitating the exchange of information between separate business entities 59 1998
 
CHECKFREE CORPORATION (3)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 266 1995
6,289,322 Electronic bill processing 277 1998
6,678,664 Cashless transactions without credit cards, debit cards or checks 75 1999
 
DATASCAPE, 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 428 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 153 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 158 1997
 
DATATREASURY CORPORATION (3)
5,787,403 Bank-centric service platform, network and system 250 1995
6,182,052 Communications network interface for user friendly interactive access to online services 129 1997
5,899,982 Bank-centric service platform, network and system 149 1998
 
DECISIONING.COM, INC. (3)
5,870,721 System and method for real time loan approval 505 1996
5,940,811 Closed loop financial transaction method and apparatus 381 1996
6,105,007 Automatic financial account processing system 341 1999
 
DEUTSCHE POST AG (3)
2005/0006,286 Method and device for processing mail 12 2004
2004/0249,764 Method for verifying the validity of digital franking notes 18 2004
2005/0167,342 Method and device for processing postal articles 15 2004
 
EASYCHECK, INC. (3)
2004/0111,371 Methods and systems for check processing 23 2003
2005/0199,708 Method for a host based smart card 30 2004
2005/0203,857 Methods for transaction processing 61 2005
 
ENTRUST, INC. (3)
6,182,142 Distributed access management of information resources 390 1998
6,453,353 Role-based navigation of information resources 253 1999
6,339,423 Multi-domain access control 147 2000
 
GENERAL ELECTRIC COMPANY (3)
4,845,347 Transaction system 56 1986
2002/0069,158 Method and system for providing a secured multi-purpose electronic account 18 2000
2002/0152,279 Personalized intranet portal 52 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 687 1995
6,792,572 Method and apparatus to approve documents 10 2000
2005/0131,761 Mobile digital coupons 35 2003
 
INTUIT INC. (3)
5,903,881 Personal online banking with integrated online statement and checkbook user interface 396 1997
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 36 2000
2003/0204,460 Data collection and transaction initiation using a financial messaging protocol 29 2003
 
MCI COMMUNICATIONS CORPORATION (3)
6,088,451 Security system and method for network element access 303 1996
5,944,824 System and method for single sign-on to a plurality of network elements 341 1997
6,067,531 Automated contract negotiator/generation system and method 111 1998
 
NOVELL INTELLECTUAL PROPERTY HOLDINGS, INC. (3)
6,081,900 Secure intranet access 245 1999
6,640,302 Secure intranet access 88 2000
6,950,936 Secure intranet access 60 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 288 1992
6,219,639 Method and apparatus for recognizing identity of individuals employing synchronized biometrics 132 1998
6,411,933 Methods and apparatus for correlating biometric attributes and biometric attribute production features 41 1999
 
ONLINE RESOURCES CORPORATION (3)
5,220,501 Method and system for remote delivery of retail banking services 1150 1989
5,870,724 Targeting advertising in a home retail banking delivery service 362 1995
6,202,054 Method and system for remote delivery of retail banking services 303 1998
 
PAYPAL, INC. (3)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 655 1994
6,246,996 Computerized system for facilitating transactions between parties on the internet using e-mail 165 1998
7,089,208 System and method for electronically exchanging value among distributed users 157 2000
 
PHOENIX LICENSING, LLC (3)
5,987,434 Apparatus and method for transacting marketing and sales of financial products 365 1996
6,076,072 Method and apparatus for preparing client communications involving financial products and services 258 1997
6,999,938 Automated reply generation direct marketing system 63 1999
 
QSECURE, INC. (3)
2006/0249,574 Automated payment card fraud detection and location 43 2006
2007/0136,211 FINANCIAL TRANSACTIONS WITH DYNAMIC CARD VERIFICATION VALUES 52 2006
2007/0208,671 FINANCIAL TRANSACTIONS WITH DYNAMIC PERSONAL ACCOUNT NUMBERS 38 2006
 
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 87 1995
5,873,096 Method of maintaining a network of partially replicated database system 154 1997
5,963,953 Method, and system for product configuration 150 1998
 
SMART TONE, INC. (3)
5,583,933 Method and apparatus for the secure communication of data 104 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 144 1996
5,825,871 Information storage device for storing personal identification information 152 1996
 
THE WESTERN UNION COMPANY (3)
7,440,923 Method and apparatus for preauthorizing electronic fund transfers without actual written authentication 6 1999
2003/0158,818 Systems and methods for operating loyalty programs 35 2002
2005/0125,296 Systems and methods for obtaining biometric information at a point of sale 23 2003
 
VERIZON BUSINESS GLOBAL LLC (3)
6,611,498 Integrated customer web station for web based call management 108 1998
7,225,249 Integrated systems for providing communications network management services and interactive generating invoice documents 128 1998
6,438,219 System, method and computer program product for achieving local number portability costing support 21 1999
 
YODLEE.COM, INC. (3)
6,199,077 Server-side web summary generation and presentation 211 1999
2002/0023,108 AUTOMATIC WEB FORM INTERACTION PROXY 60 1999
7,225,464 Method for verifying the identity of a user for session authentication purposes during Web navigation 21 2002
 
ADOBE SYSTEMS INCORPORATED (2)
7,003,565 Clickstream data collection technique 32 2001
6,766,370 Internet website traffic flow analysis using timestamp data 84 2002
 
APPLE INC. (2)
6,714,987 Architecture for an IP centric distributed network 177 1999
2005/0198,634 Assigning tasks in a distributed system 19 2004
 
ARRIS ENTERPRISES, INC. (2)
7,313,802 Method and system to provide deals and promotions via an interactive video casting system 25 2000
7,266,835 Method and apparatus for secure transactions in an interactive television ticker 21 2002
 
AT&T Bell Laboratories (2)
5,253,294 Secure transmission system 69 1983
5,311,594 Fraud protection for card transactions 263 1993
 
AT&T IPM CORP. (2)
5,450,491 Authenticator card and system 89 1993
5,541,583 Arrangement for interrogating portable data communication devices 130 1995
 
Atalla Corporation (2)
5,319,710 Method and means for combining and managing personal verification and message authentication encrytions for network transmission 69 1986
4,965,568 Multilevel security apparatus and method with personal key 76 1989
 
AVAYA INC. (2)
5,740,231 Network-based multimedia communications and directory system and method of operation 395 1994
6,161,182 Method and apparatus for restricting outbound access to remote equipment 79 1998
 
BANK OF AMERICA CORPORATION (2)
6,128,602 Open-architecture system for real-time consolidation of information from multiple financial systems 253 1998
6,789,115 System for collecting, analyzing, and reporting high volume multi-web server usage 63 1999
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (2)
7,072,864 Customer activated multi-value (CAM) card 83 2003
2003/0187,787 System and process for performing purchase transactions using tokens 111 2003
 
Bell Telephone Laboratories, Incorporated (2)
4,471,164 Stream cipher operation using public key cryptosystem 97 1981
4,984,272 Secure file handling in a computer operating system 90 1988
 
BONDREWARDS, INC. (2)
2002/0077,904 Loyalty program 24 2001
2005/0209,917 Employee incentive program 23 2004
 
CASIO COMPUTER CO., LTD. (2)
4,697,072 Identification card and authentication system therefor 101 1985
4,801,787 IC card identification system having first and second data identification functions 73 1986
 
CATALINA MARKETING INTERNATIONAL, INC. (2)
2001/0023,407 Method and apparatus for distributing and redeeming offers and incentives 20 2001
2002/0133,401 Method and system for accumulating coupon values in an account for future redemption 13 2001
 
CHASE MANHATAN BANK USA, N.A. (2)
6,032,136 Customer activated multi-value (CAM) card 303 1998
6,865,547 Customer activated multi-value (CAM) card 106 2000
 
CITICORP (2)
5,914,472 Credit card spending authorization control system 351 1997
6,188,309 Method and apparatus for minimizing credit card fraud 90 1998
 
CYBERSOURCE CORPORATION (2)
2001/0044,764 Accepting and processing electronic checks authorized via a public network 29 2001
2002/0194,119 Method and apparatus for evaluating fraud risk in an electronic commerce transaction 68 2002
 
DFS SERVICES LLC (2)
2005/0096,976 Inverted tier rebate system 13 2003
7,630,935 Award system with increased payout options 14 2003
 
DS-IQ, INC. (2)
6,009,411 Method and system for distributing and reconciling electronic promotions 222 1997
6,330,543 Method and system for distributing and reconciling electronic promotions 160 1998
 
E-TALK CORPORATION (2)
5,621,789 Method and system for integrating a plurality of call center agent performance enhancement modules 120 1993
5,684,870 Method and system for transferring calls and call-related data between a plurality of call centers 154 1996
 
EMC CORPORATION (2)
5,367,572 Method and apparatus for personal identification 80 1992
5,818,936 System and method for automically authenticating a user in a distributed network system 128 1996
 
ENTERASYS NETWORKS, INC. (2)
2003/0149,756 Configuration management method and system 35 2002
7,152,242 Modular system for detecting, filtering and providing notice about attack events associated with network security 32 2002
 
Exxon Research and Engineering Company (2)
5,072,380 Automatic vehicle recognition and customer billing system 142 1990
5,500,890 Point-of-sale system using multi-threaded transactions and interleaved file transfer 136 1993
 
FAIR ISAAC CORPORATION (2)
5,794,178 Visualization of information using graphical representations of context vector based relationships and attributes 321 1996
2004/0181,441 Model-based and data-driven analytic support for strategy development 25 2004
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5,265,033 ATM/POS based electronic mail system 339 1991
5,473,143 ATM/POS based electronic mail system 272 1993
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (2)
5,825,870 Methods and apparatus for implementing a network call center 69 1996
6,170,011 Method and apparatus for determining and initiating interaction directionality within a multimedia communication center 319 1998
 
GROUPON, INC. (2)
6,327,573 Multiple party reward system utilizing single account 187 1998
6,985,879 Systems and methods for facilitating group rewards 35 2002
 
Intellect Australia Pty Ltd. (2)
6,091,817 Host and user transaction system 112 1997
6,095,412 Host and user transaction system 121 1997
 
INTERTECH HOLDINGS, LLC (2)
4,745,468 System for evaluation and recording of responses to broadcast transmissions 323 1986
4,926,255 System for evaluation of response to broadcast transmissions 335 1988
 
InterTrust Technologies Corp. (2)
5,892,900 Systems and methods for secure transaction management and electronic rights protection 1533 1996
6,112,181 Systems and methods for matching, selecting, narrowcasting, and/or classifying based on rights management and/or other information 605 1997
 
IPF, Inc. (2)
5,918,214 System and method for finding product and service related information on the internet 504 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 568 1997
 
MARITZ INC. (2)
2002/0120,497 System and method for operating an awards redemption program 14 2001
2002/0123,926 System and method for implementing a loyalty program incorporating on-line and off-line transactions 49 2001
 
Martiz, Inc. (2)
5,689,100 Debit card system and method for implementing incentive award program 320 1996
2005/0240,477 Cardholder loyalty program with rebate 58 2005
 
METRO88 PARTNERSHIP (2)
2001/0054,059 Opt-in electronic mail advertising for internet radio network 17 2001
2001/0034,651 Earning and using benefits for responses to internet advertising at a merchant location 20 2001
 
MicroBilt Corporation (2)
5,466,920 Real time decoding for card transaction terminal 36 1991
5,479,530 Signature capturing printer and data card terminal 100 1993
 
MULTEX.COM, INC. (2)
5,864,871 Information delivery system and method including on-line entitlements 286 1997
5,940,843 Information delivery system and method including restriction processing 127 1997
 
National Transaction Network, Inc. (2)
5,050,207 Portable automated teller machine 158 1989
5,157,717 Portable automated teller machine 148 1991
 
NEW AURORA CORPORATION (2)
5,657,390 Secure socket layer application program apparatus and method 293 1995
5,825,890 Secure socket layer application program apparatus and method 154 1997
 
NINTENDO OF AMERICA INC. (2)
2002/0169,671 Electronic product registration system with sales incentive program management function 24 2002
2005/0091,126 Method and apparatus for efficient handling of product return transactions 12 2004
 
NTT DOCOMO, INC. (2)
2005/0066,037 Browser session mobility system for multi-platform applications 43 2003
7,640,321 Electronic mail delivery system, mail server, and mail client 4 2003
 
OKI ELECTRIC INDUSTRY CO., LTD. (2)
4,877,947 Transaction processing system 179 1987
2005/0273,425 Acceptance/reception separating system in financial institution 12 2005
 
OTOMO SOLUTIONS LLC (2)
5,765,141 Computerized merchandising system 239 1995
5,870,718 Computer-printer terminal for producing composite greeting and gift certificate card 226 1996
 
PLUSNETMARKETING, INC. (2)
2002/0161,641 Method and system for redeeming product marketing rebates 34 2002
2004/0215,514 METHOD AND SYSTEM FOR REDEEMING PRODUCT MARKETING REBATES 16 2003
 
PRICELINE.COM INCORPORATED (2)
5,794,207 Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers 1316 1996
5,797,127 Method, apparatus, and program for pricing, selling, and exercising options to purchase airline tickets 331 1996
 
PRUDENTIAL SECURITIES CREDIT CORPORATION, LLC (2)
5,550,734 Computerized healthcare accounts receivable purchasing collections securitization and management system 291 1993
5,704,044 Computerized healthcare accounts receivable purchasing, collections, securitization and management system 272 1996
 
RICOH COMPANY, LTD. (2)
5,933,823 Image database browsing and query using texture analysis 120 1996
6,363,381 Compressed document matching 98 1998
 
ROCKSTAR BIDCO, LP (2)
6,092,196 HTTP distributed remote user authentication system 354 1997
6,101,486 System and method for retrieving customer information at a transaction center 176 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 122 1996
5,991,780 Computer based system, method, and computer program product for selectively displaying patent text and images 101 1998
 
SAP AG (2)
2005/0273,386 Creating customer bonus rule 15 2004
2005/0288,998 Managing customer entitlements to rewards from multiple entitlement programs 15 2004
 
SEARCHLITE ADVANCES, LLC (2)
6,108,642 Device for selectively blocking remote purchase requests 68 1998
6,714,919 Device for selectively blocking remote purchase requests 18 2000
 
SEIKO EPSON CORPORATION (2)
2002/0032,724 Web page transmission system, web page transmission method and storage medium 4 2001
2002/0194,071 Reward system and apparatus used therefor 13 2002
 
SONY CORPORATION (2)
5,845,260 System and method for parent-controlled charging for on-line services 185 1996
2002/0188,565 Client terminal device, storage medium product, bank server apparatus, information transmitting method, information transmitting program, and information transmitting/receiving program 27 2002
 
SONY ELECTRONICS INC. (2)
2002/0072,931 System and method to provide financial rewards and other incentives to users of personal transaction devices 14 2001
7,729,925 System and method for facilitating real time transactions between a user and multiple entities 27 2005
 
SOVERAIN SOFTWARE LLC (2)
5,715,314 Network sales system 1024 1994
5,724,424 Digital active advertising 867 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 42 2000
6,925,481 Technique for enabling remote data access and manipulation from a pervasive device 42 2001
 
SYSTEMS & COMPUTER TECHNOLOGY CORPORATION (2)
2002/0029,269 Methods and systems for coordinating the termination of sessions on one or more systems 38 2001
7,093,020 Methods and systems for coordinating sessions on one or more systems 42 2001
 
THE GOLUB CORPORATION (2)
2003/0033,252 Methods and systems for check processing using blank checks at a point-of-sale 34 2001
2004/0044,606 Methods and systems for check processing 26 2003
 
The Harrison Company, LLC (2)
6,009,415 Data processing technique for scoring bank customer relationships and awarding incentive rewards 193 1991
6,424,951 Data processing technique for scoring bank customer relationships and awarding incentive rewards 53 1999
 
The United States of America as represented by the Secretary of Commerce (2)
5,231,668 Digital signature algorithm 136 1991
6,202,066 Implementation of role/group permission association using object access type 182 1998
 
THINK TEK, INC. (2)
2002/0198,803 Method and apparatus for facilitating monetary and commercial transactions and for providing consumer reward programs 22 2002
2005/0131,792 Financial transaction system with integrated, automatic reward detection 26 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 400 1998
2006/0143,077 Method and system to ensure maintenance of individual government benefits in a retail environment 12 2004
 
TOTAL SYSTEM SERVICES, INC. (2)
6,817,008 System and method for enterprise-wide business process management 34 2003
2006/0031,718 System and method for generating production-quality data to support software testing 15 2004
 
TRILEGIANT LOYALTY SOLUTIONS, INC. (2)
2003/0200,142 On-line employee incentive system 65 2002
2002/0188,511 Interactive online point redemption system 48 2002
 
TTI INVENTIONS C LLC (2)
5,084,816 Real time fault tolerant transaction processing system 169 1989
6,138,118 Method and system for reconciling concurrent streams of transactions in a database 118 1998
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (2)
7,506,804 System and method for an integrated payment and reward card 14 2005
2010/0057,551 POINT-OF-SALE PURCHASE SYSTEM AND METHOD WITH OPTION OF PAYMENT USING LOYALTY POINTS 8 2008
 
UNITED VIDEO PROPERTIES, INC. (2)
2007/0156,521 Systems and methods for commerce in media program related merchandise 16 2005
2009/0150,937 CLIENT-SERVER BASED INTERACTIVE TELEVISION PROGRAM GUIDE SYSTEM WITH REMOTE SERVER RECORDING 19 2009
 
UNWIRED PLANET, INC. (2)
6,065,120 Method and system for self-provisioning a rendezvous to ensure secure access to information in a database from multiple devices 213 1997
6,754,833 Method for generating and distributing telecom and internet revenue 92 1999
 
VESDIA CORPORATION (2)
6,345,261 Customer loyalty investment program 146 1999
2003/0004,809 Method and system for automatically calculating and managing consumer earned equity 18 2002
 
VESTA CORPORATION (2)
6,404,866 Telephone calling account system and method 19 1999
2003/0048,888 Telephone calling account system and method 16 2002
 
VIVOTECH, INC. (2)
2004/0159,700 Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device 67 2003
D496365 Coreless inductor magnetic strip simulacrum for right angle transaction acceptance systems 40 2004
 
WALKER ASSET MANAGEMENT LTD. PARTNERSHIP (2)
5,923,763 Method and apparatus for secure document timestamping 122 1996
5,828,751 Method and apparatus for secure measurement certification 80 1996
 
WANG SOFTWARE N.Y., INC. (2)
5,446,740 Method of and apparatus for processing data at a remote workstation 145 1993
5,568,489 Method and apparatus for processing data received at a remote workstation 147 1995
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (2)
5,870,725 High volume financial image media creation and display system and method 221 1995
2009/0112,639 Combined Rewards System and Process Providing Variable Travel Redemption 11 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 86 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 81 1995
 
1-800-PAY-BY-PHONE, INC. (1)
2005/0033,637 Bill payment incentives system 17 2003
 
365 DIRECT MARKETING COMPANY (1)
2003/0083,939 Automated lost property recovery and marketing system and program 10 2001
 
3M INNOVATIVE PROPERTIES COMPANY (1)
5,781,909 Supervised satellite kiosk management system with combined local and remote data storage 174 1996
 
7 DEGREES, INC. (1)
5,594,837 Method for representation of knowledge in a computer as a network database system 97 1994
 
ABLECO FINANCE LLC (1)
7,333,948 Method and system for cross-marketing products and services over a distributed communication network 13 2004
 
ACCESS BUSINESS GROUP INTERNATIONAL LLC (1)
2005/0289,003 System and method for direct marketing 16 2005
 
ACCUCARD LIMITED (1)
2002/0077,966 Personalised financial products and computer implemented management system 20 2001
 
ACTIVANT SOLUTIONS INC. (1)
5,765,143 Method and system for inventory management 241 1995
 
ACTIVCARD IRELAND LIMITED (1)
7,093,282 Method for supporting dynamic password 12 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 51 2000
 
Adhesives Technology Corporation 1987 (1)
5,257,486 Nozzle for injecting a sealant into a crack 44 1991
 
ADMINASTAR COMMUNICATIONS, INC. (1)
5,644,778 Medical transaction system 151 1993
 
AEGIS TECHNOLOGIES, INC. (1)
5,606,496 Personal assistant computer method 110 1995
 
AFFINION LOYALTY GROUP, INC. (1)
2006/0161,478 System, method and computer program product for currency redemption in loyalty reward programs 12 2006
 
Agovino, Frank R. (1)
2003/0088,462 DEBIT CARD SYSTEM AND METHOD FOR IMPLEMENTING INCENTIVE AWARD PROGRAM 32 1999
 
AGRATEC, LLC (1)
2002/0072,984 Method and apparatus for the distribution and sale of a branded product 23 2000
 
AINSWORTH GAME TECHNOLOGY LIMITED (1)
2003/0061,098 Consumer incentive system 14 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 86 2001
 
ALEXSAM, INC. (1)
6,189,787 Multifunctional card system 337 1999
 
ALLIANCE DATA SYSTEMS CORPORATION (1)
2002/0077,890 Methods and systems for interactive collection, exchange and redemption of points 63 2000
 
AMAZON.COM HOLDINGS, INC. (1)
6,360,254 System and method for providing secure URL-based access to private resources 207 1999
 
AMERICA ONLINE, INC. (1)
2005/0278,641 Javascript Calendar Application Delivered to a Web Browser 56 2003
 
AMERICAN EXPRESS COMPANY (1)
4,453,074 Protection system for intelligent cards 301 1981
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0051,917 System integrating credit card transactions into a financial management system 82 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 5 2001
 
AMSTRAD PUBLIC LIMITED COMPANY (1)
5,537,473 Video recorder system 54 1995
 
AMTECH SYSTEMS, LLC (1)
5,351,187 Automatic debiting parking meter system 130 1992
 
Amway Corporation (1)
6,980,962 Electronic commerce transactions within a marketing system that may contain a membership buying opportunity 175 2000
 
AOL LLC (1)
6,496,855 Web site registration proxy system 106 2000
 
APPAGE CORPORATION (1)
5,903,878 Method and apparatus for electronic commerce 285 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 77 2000
 
ASN HOLDINGS, LLC (1)
2002/0052,778 System and method for providing incentives to purchasers 52 2000
 
ASPECT COMMUNICATIONS CORPORATION (1)
6,298,356 Methods and apparatus for enabling dynamic resource collaboration 120 1998
 
ASPEN MARKETING SERVICES, INC. (1)
5,983,196 Interactive computerized methods and apparatus for conducting an incentive awards program 149 1996
 
ASSA ABLOY AB (1)
5,832,090 Radio frequency transponder stored value system employing a secure encryption protocol 67 1995
 
ASSOCIATES COMMERCE SOLUTIONS, INC. (1)
5,231,569 Account transaction system 211 1990
 
AT & T TECHNOLOGIES, INC., (1)
4,605,844 Computerized transaction card with inductive data transfer 115 1985
 
AT&T INTELLECTUAL PROPERTY II, L.P. (1)
6,047,268 Method and apparatus for billing for transactions conducted over the internet 323 1997
 
ATC REALTY FIFTEEN, INC. (1)
6,045,039 Cardless automated teller transactions 206 1997
 
AUCTNYC 20 LLC (1)
5,969,318 Gateway apparatus for designing and issuing multiple application cards 131 1997
 
AUTHERNATIVE, INC. (1)
2004/0225,880 Strong authentication systems built on combinations of "what user knows" authentication factors 20 2003
 
AUTOGAS ACQUISITIONS CORP. (1)
2005/0261,916 Fuel dispensing system and method providing discounted prices to individually identified customers 24 2003
 
AXEDA CORPORATION (1)
7,117,239 Reporting the state of an apparatus to a remote computer 67 2000
 
AZTAR CORPORATION (1)
2005/0075,889 Progressive customer reward program 27 2003
 
BACK PAGES INC. (1)
5,513,102 Data processing methods of implementing an award to an authorized user of a credit card 245 1994
 
BAKKER, ANTON (1)
2003/0205,617 Self contained electronic loyalty system 17 2003
 
BALLY TECHNOLOGIES, INC. (1)
2003/0069,808 Incentive based purchasing system and method 15 2002
 
BARTON PATENT 533 LLC (1)
6,164,533 Point of sale automatic savings program contribution system 141 1998
 
BCE EMERGIS TECHNOLOGIES, INC. (1)
6,044,362 Electronic invoicing and payment system 333 1997
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
2004/0254,991 Switching Internet service providers 12 2003
 
BENQ CORPORATION (1)
2006/0005,039 Authentication control system and method thereof 9 2005
 
BESTBUY.COM, LLC (1)
2003/0046,173 Store delivery of products ordered over a computer network 13 2001
 
BI PERFORMANCE SERVICES (1)
5,915,244 Computerized incentive program with plateau pricing and remote award redemption 134 1996
 
BIG BABOON, INC. (1)
6,115,690 Integrated business-to-business Web commerce and business automation system 391 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 17 2001
 
BLOCK FINANCIAL LLC (1)
6,014,645 Real-time financial card application system 345 1996
 
Bluefire Systems, Inc. (1)
7,155,402 Method and apparatus for distribution of fashion and seasonal goods 54 2000
 
BLUETIE, INC. (1)
6,978,378 Secure file transfer system 16 2001
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 236 1994
 
BOSTON GEAR LLC (1)
4,964,043 System for visualizing, identifying and ordering gearing configurations 101 1988
 
BOSTON SCIENTIFIC CORPORATION (1)
6,016,810 Endovasular aortic graft 64 1998
 
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 132 1999
 
BPREPAID, LLC (1)
2005/0125,315 System for account management and method therefor 20 2003
 
BROADVISION (1)
5,710,887 Computer system and method for electronic commerce 1226 1995
 
Bullock Communications, Inc. (1)
5,351,186 System and method for obtaining information concerning a product or a service 178 1991
 
BUYERLEVERAGE (1)
2003/0158,776 Buyer-driven targeting of purchasing entities 66 2001
 
BUZZMETRICS, LTD., AN ISRAEL CORPORATION (1)
7,197,470 System and method for collection analysis of electronic discussion methods 28 2000
 
C-SAM S.A. (1)
5,952,641 Security device for controlling the access to a personal computer or to a computer terminal 170 1996
 
C-SAM, INC. (1)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 542 1994
 
CAMBRIDGE DISPLAY TECHNOLOGY LIMITED (1)
5,653,914 Electroluminescent device comprising a chromophoric polymeric composition 115 1995
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6,065,675 Processing system and method for a heterogeneous electronic cash environment 238 1998
 
CARDIS ENTERPRISES INTERNATIONAL N.V. (1)
2003/0115,100 System and method for receiving and redeeming loyalty incentives 28 2002
 
CARLSON COMPANIES, INC. (1)
2005/0144,074 Computer implemented method and system for on-line redemption of coupons 63 2004
 
CARLSON MARKETING GROUP, INC. (1)
2005/0242,179 Loyalty system incorporating embedded incentives 13 2005
 
CARLSON MARKETING WORLDWIDE, INC. (1)
6,138,911 In-store points redemption system and method 153 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 174 1999
 
CERTCO, INC. (1)
2001/0011,255 RELIANCE MANAGEMENT FOR ELECTRONIC TRANSACTION SYSTEM 67 1998
 
CERTEGY CHECK SERVICES, INC. (1)
2005/0283,429 Scored negative file system and method 14 2004
 
CGI TECHNOLOGIES AND SOLUTIONS INC. (1)
6,343,279 System integrating credit card transactions into a financial management system 182 1998
 
Charter One Financial, Inc. (1)
2003/0225,688 Financial account transfer apparatus and method 30 2002
 
CHASE BANK USA, NATIONAL ASSOCIATION (1)
7,426,530 System and method for providing customers with seamless entry to a remote server 22 2000
 
CHEYENNE PROPERTY TRUST (1)
5,841,869 Method and apparatus for trusted processing 107 1996
 
CIDWAY TECHNOLOGIES, LTD. (1)
2009/0100,508 METHOD AND APPARATUS FOR THE SECURE IDENTIFICATION OF THE OWNER OF A PORTABLE DEVICE 10 2008
 
CIENA CORPORATION (1)
7,020,696 Distributed user management information in telecommunications networks 85 2000
 
CITIBANK, INC. (1)
5,056,019 Automated purchase reward accounting system and method 482 1989
 
CITRIX SYSTEMS INTERNATIONAL GMBH (1)
6,243,816 Single sign-on (SSO) mechanism personal key manager 138 1998
 
CK GLOBAL INC. (1)
2002/0019,938 Method and apparatus for secure identification for networked environments 39 2001
 
CLEARING HOUSE PAYMENTS COMPANY L.L.C., THE (1)
6,647,376 System and method for point-of-sale check authorization 53 2000
 
CLUBMOM, INC. (1)
2002/0174,011 Systems and methods for conducting a loyalty program 30 2002
 
COASTCOM (1)
6,539,027 Reconfigurable, intelligent signal multiplexer and network design and maintenance system therefor 39 1999
 
COIN ACCEPTORS, INC. (1)
2005/0205,666 Loyalty automatic merchandiser system 19 2005
 
COLLECTORS TOOLBOX (1)
2002/0123,955 System and method for collectibles 30 2000
 
COMCAST MO GROUP, INC. (1)
6,546,392 Self service gateway 86 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 601 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 69 1994
 
COMPUWARE CORPORATION (1)
6,519,763 Time management and task completion and prediction software 97 1999
 
CONCEALOGRAM LTD. (1)
2004/0146,159 Hiding images in halftone pictures 9 2004
 
CONCIERGE NETWORKS INCORPORATED (1)
2005/0102,178 Systems and methods for generating multiple revenue streams involving the use of an integrated appliance 14 2003
 
CONEXANT SYSTEMS UK LIMITED (1)
6,111,858 Proxy-controlled ATM subnetwork 142 1997
 
Coordinated Data Services, Inc. (1)
5,878,405 Pension planning and liquidity management system 182 1996
 
COPIENT TECHNOLOGIES, LLC (1)
6,119,933 Method and apparatus for customer loyalty and marketing analysis 125 1998
 
CORILLIAN CORPORATION (1)
2004/0122,766 Method and apparatus for paying bills online 24 2002
 
Corpra Research, Inc. (1)
4,575,621 Portable electronic transaction device and system therefor 345 1984
 
COVERDELL & COMPANY (1)
2002/0010,599 Method for targeting insurance policy incentive rewards 49 2001
 
CROSSBORDER EXCHANGE CORPORATION (1)
2002/0032,642 Internet based secure virtual exchange and distributed relational database for cross border trading of securities 16 2001
 
CU DIRECT CORPORATION (1)
5,611,052 Lender direct credit evaluation and loan processing system 366 1993
 
Cubic Corporation (1)
2006/0261,927 Smart card receiver and system for pulsed RF fields 24 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 255 1993
 
CUSTOMEDIA, LLC (1)
6,213,391 Portable system for personal identification based upon distinctive characteristics of the user 183 1997
 
CUSTOMER COMMUNICATIONS GROUP, INC. (1)
5,790,785 World Wide Web registration information processing system 169 1996
 
Cyberpulse, L.L.C. (1)
6,154,750 Method and system for navigation and data entry in heirarchically-organized database views 81 1998
 
DANA AUTOMOTIVE SYSTEMS GROUP, LLC (1)
6,832,587 Plastic valve cover with integrated metal 18 2003
 
Datamind Corporation (1)
5,970,482 System for data mining using neuroagents 170 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 63 2000
 
DAVO FINANCIAL SERVICES LLC (1)
2003/0105,688 Secure digital escrow account transactions system and method 56 2001
 
DAVO TECHNOLOGIES LLC (1)
2004/0193,540 Selective escrow using electronic funds transfer 12 2004
 
DEFAULT PROOF CREDIT CARD SYSTEMS, INC. (1)
2003/0088,470 System and process for debit card dispensing 16 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 84 1997
 
DIALWARE INC. (1)
2004/0031,856 Physical presence digital authentication system 135 2003
 
DIEBOLD SELF-SERVICE SYSTEMS DIVISION OF DIEBOLD, INCORPORATED (1)
6,315,195 Transaction apparatus and method 192 1998
 
DIEBOLD, INCORPORATED (1)
7,080,036 Automated banking machine development method 23 2000
 
DIGICASH INCORPORATED (1)
2007/0179,883 System and method and computer readable code for visualizing and managing digital cash 22 2006
 
DISNEY ENTERPRISES, INC. (1)
5,963,915 Secure, convenient and efficient system and method of performing trans-internet purchase transactions 442 1996
 
DOCK 3, INC. (1)
2002/0032,613 Methods and systems for the physical delivery of goods ordered through an electronic network 51 2001
 
DOWNING PLACE LIMITED LIABILITY COMPANY (1)
2005/0216,346 System and method for consumer-selected advertising and branding in interactive media 59 2005
 
DYCRAV SECURITY, INC. (1)
6,668,321 Verification of identity of participant in electronic communication 10 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 31 2001
 
E-Loan, Inc. (1)
2005/0097,033 Debt management system 20 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 107 2000
 
EACCELERATION CORPORATION (1)
6,449,765 Varying web page link based on user and web page status 34 1999
 
EASTERN IX GROUP LLC (1)
5,999,907 Intellectual property audit system 163 1993
 
eCardless Bancorp, Ltd. (1)
2004/0019,563 Purchasing on the internet using verified order information and bank payment assurance 13 2003
 
eCharge Corporation (1)
7,249,097 Method for ordering goods, services, and content over an internetwork using a virtual payment account 52 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 222 1997
 
EDATANETWORKS INC. (1)
2005/0267,800 Method, system and computer program for providing a loyalty engine enabling dynamic administration of loyalty programs 17 2004
 
EFUNDS CORPORATION (1)
2002/0120,846 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities 106 2002
 
Electronic Consumer Concepts, L.L.C. (1)
5,845,259 Electronic coupon dispensing system 323 1996
 
EQUIFAX, INC. (1)
6,496,936 System and method for authentication of network users 117 2000
 
ERIE COUNTY INVESTMENT CO., THE (1)
5,235,509 Customer self-ordering system using information displayed on a screen 210 1989
 
ERN, LLC (1)
2002/0026,365 Method and system for electronic payment and check guarantee 17 2001
 
ESCHER GROUP, LTD., THE (1)
2002/0042,808 Method and apparatus for linking data and objects 16 2001
 
eSpoc, Inc. (1)
6,785,810 System and method for providing secure transmission, search, and storage of data 72 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 32 2003
 
EVIDAN (1)
6,317,838 Method and architecture to provide a secured remote access to private resources 95 1998
 
EXECUTONE INTER-TELBUSINESS INFORMATION SYSTEMS, INC. (1)
5,793,861 Transaction processing system and method 231 1996
 
EXPERIAN INFORMATION SOLUTIONS, INC. (1)
6,925,441 System and method of targeted marketing 93 1997
 
EXPERIENCE LAB, INC. (1)
2002/0010,668 Online merchandising and marketing system 41 2001
 
EXXONMOBIL RESEARCH AND ENGINEERING COMPANY (1)
2002/0152,123 System and method for processing financial transactions 139 2002
 
FACEBOOK, INC. (1)
6,014,638 System for customizing computer displays in accordance with user preferences 458 1996
 
FANNIE MAE (1)
7,089,503 Mortgage loan customization system and process 97 2002
 
FDR INTERACTIVE TECHNOLOGIES (1)
5,016,270 Expanded telephone data organization system 120 1989
 
FINANCIAL ENGINES, INC. (1)
5,918,217 User interface for a financial advisory system 290 1997
 
First Marketrust Intl. (1)
5,537,314 Referral recognition system for an incentive award program 588 1995
 
FIRST USA BANK, N.A. (1)
5,995,948 Correspondence and chargeback workstation 120 1997
 
FIRSTPOINT CONTACT TECHNOLOGIES, LLC (1)
5,511,117 Integrated voice and business transaction reporting for telephone call centers 89 1994
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 819 1995
 
FMR CORP. (1)
2005/0193,208 User authentication 18 2004
 
FMR LLC (1)
5,991,878 Controlling access to information 90 1997
 
FOLETTA, WAYNE S., SUNNYVALE, CALIFORNIA (1)
4,650,981 Credit card with active electronics 144 1984
 
FORD MOTOR COMPANY (1)
6,684,212 System and method for data sharing between members of diverse organizations 27 2000
 
FORWARD RESEARCH, INC. (1)
6,092,057 Unattended POS system for automatic control of bank system rejections 110 1997
 
Fox Chase Bank (1)
2005/0273,387 Apparatus and method for rewarding consumers 17 2004
 
FRANCE TELECOM (1)
2002/0032,622 Shop management method and platform for performing the method 16 2001
 
FREE-PC, INC. (1)
6,907,566 Method and system for optimum placement of advertisements on a webpage 149 1999
 
FREEMAN, CRAIG (1)
6,950,826 Material and supplies ordering system 11 2000
 
FUJI XEROX CO., LTD. (1)
2006/0274,970 Image processing device, method, and storage medium which stores a program 10 2005
 
Gascard, Inc. (1)
4,891,503 Distributed authorization system 168 1988
 
Gazebo Inc. (1)
2002/0087,447 System and method for managing and executing event based investments 67 2001
 
GBS Systems Corporation (1)
5,341,428 Multiple cross-check document verification system 70 1992
 
GENERAL DYNAMICS C4 SYSTEMS, INC. (1)
5,381,332 Project management system with automated schedule and cost integration 147 1991
 
GENERAL INSTRUMENT CORPORATION (1)
5,054,067 Block-cipher cryptographic device based upon a pseudorandom nonlinear sequence generator 40 1990
 
GLIDE ELECTRONIC TRADE, LTD. (1)
2002/0002,479 Career management system 49 2000
 
GLOBAL ONLINE PROMOTIONS, INC. (1)
2001/0039,511 Lottery award promotional method and system 24 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 43 1990
 
GOETEL COMMUNICATIONS CORP. (1)
5,546,452 Communications system using a central controller to control at least one network and agent system 203 1995
 
GOLDENSOURCE CORPORATION (1)
6,513,019 Financial consolidation and communication platform 222 1999
 
GOPIN INC. (1)
2004/0078,328 Method and system for completing a transaction between a customer and a merchant 132 2003
 
GRAU, EDWARD (1)
2003/0149,629 Method of point of sale investment 19 2002
 
GREEN WIRELESS LLC (1)
5,590,199 Electronic information network user authentication and authorization system 180 1993
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1007 1989
 
HARRAH'S OPERATING COMPANY, INC. (1)
5,761,647 National customer recognition system and method 453 1996
 
HEARTLAND PAYMENT SYSTEMS, INC. (1)
2006/0149,671 Payment processing method and system 36 2005
 
HIP CONSULT INC. (1)
2007/0295,803 APPARATUS AND METHOD FOR FACILITATING MONEY OR VALUE TRANSFER 26 2006
 
Hipersoft Corp. (1)
6,098,070 Case management for a personal injury plaintiff's law office using a relational database 167 1998
 
Hitachi Information Network, Ltd. (1)
6,202,158 Detection method of illegal access to computer system 51 1998
 
HOME ACCOUNT NETWORK, INC. (1)
5,852,811 Method for managing financial accounts by a preferred allocation of funds among accounts 412 1994
 
HRB TAX GROUP, INC. (1)
7,539,635 System and method for generating a personalized tax advice document 13 2003
 
HUMANA INC. (1)
2003/0154,403 Web-based security with controlled access to data and resources 55 2002
 
HYBRID KIOSKS, LLC (1)
2007/0011,089 Electronic savings transfers 51 2006
 
HYPERWALLET SYSTEMS INC. (1)
7,177,830 On-line payment system 16 2003
 
I NOVATION INC. (1)
6,662,215 System and method for content optimization 24 2000
 
IBM INTERNATIONAL GROUP BV (1)
5,758,126 Customizable bidirectional EDI translation system 148 1996
 
ICHIHIME SHOJI CO., LTD. (1)
2005/0108,090 Service points liquidation system 15 2004
 
ICOM MOBILE LTD. (1)
2002/0152,179 Remote payment method and system 55 2001
 
ICON INTERNET COMPETENCE NETWORK B.V. (1)
5,796,395 System for publishing and searching interests of individuals 167 1997
 
ICONIX, INC. (1)
2005/0182,735 Method and apparatus for implementing a micropayment system to control e-mail spam 34 2004
 
IDLOYALTY, LLC (1)
6,070,147 Customer identification and marketing analysis systems 337 1996
 
IGT (1)
7,485,040 Methods and apparatus for advertising in gaming device 8 2004
 
iMarket, Incorporated (1)
6,026,398 System and methods for searching and matching databases 188 1997
 
IMPERVA, INC. (1)
2008/0320,567 SYSTEM AND METHOD FOR PREVENTING WEB FRAUDS COMMITTED USING CLIENT-SCRIPTING ATTACKS 14 2008
 
IMPRIVATA, INC. (1)
6,618,806 System and method for authenticating users in a computer network 184 1999
 
INDALA CORPORATION (1)
5,382,784 Hand-held dual technology identification tag reading head 199 1993
 
INDIVIDUAL NETWORK, LLC (1)
6,735,778 Method and system for providing home shopping programs 6 2002
 
INETBON, A.S. (1)
2003/0097,298 On-line bonus program 18 2001
 
INFINITE BAY TELECOM LIMITED LIABILITY COMPANY (1)
7,496,950 Secure remote management appliance 8 2003
 
Inforonics, Inc. (1)
5,999,971 Apparatus and method for identifying clients accessing network sites 57 1998
 
INFOSPACE, INC. (1)
4,529,870 Cryptographic identification, financial transaction, and credential device 369 1982
 
INNOVATION CONNECTION CORPORATION (1)
2004/0133,787 System, method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe 159 2003
 
Instasearch Corp. (1)
5,583,778 Computer method for collecting on judgments 71 1994
 
INSTITUTE FOR INFORMATION SCIENCES (1)
2003/0051,026 Network surveillance and security system 255 2001
 
INTELLECTUAL VENTURES II LLC (1)
6,510,464 Secure gateway having routing feature 116 1999
 
Intellicard International, Inc. (1)
4,614,861 Unitary, self-contained card verification and validation system and method 497 1984
 
INTERBOLD (1)
4,319,336 Transaction execution system with improved key function versatility 140 1979
 
INTERFUSE TECHNOLOGY CORPORATION (1)
6,874,139 Method and system for seamless integration of preprocessing and postprocessing functions with an existing application program 61 2001
 
INTERNET DEVELOPMENT RESEARCH CENTER, INC. (1)
2002/0104,017 Firewall system for protecting network elements connected to a public network 44 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 111 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 21 2001
 
IPASS INC. (1)
5,898,780 Method and apparatus for authorizing remote internet access 312 1996
 
J.P. MORGAN CHASE & CO. (1)
2005/0251,470 Mutual fund card method and system 16 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 54 2002
 
JSA Technologies (1)
6,963,857 Network-accessible account system 41 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 126 1997
 
KIDSFUTURE, INC. (1)
2002/0099,601 Loyalty-based program for higher education finance assistance 22 2001
 
KLUG, JOHN (1)
6,615,251 Method for providing node targeted content in an addressable network 33 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 30 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 42 1997
 
KONINKLIJKE PHILIPS ELECTRONICS N.V. (1)
2004/0039,940 Hardware-based packet filtering accelerator 26 2002
 
KRAUSE, G. MATTHEW (1)
5,950,206 Method and apparatus for searching and tracking construction projects in a document information database 83 1997
 
L. R. G., 1800 NORTHERN BOULEVARD, ROSLYN, NEW YORK, 11576 (1)
4,752,676 Reliable secure, updatable "cash" card system 188 1985
 
LANDESK SOFTWARE LIMITED (1)
7,032,110 PKI-based client/server authentication 34 2000
 
LEGEND FILMS INC. (1)
2005/0240,916 SYSTEM AND METHOD FOR DISTRIBUTED PROJECT OUTSOURCING 4 2004
 
LENOVO (SINGAPORE) PTE LTD. (1)
6,976,067 Method and apparatus for providing entitlement information for interactive support 6 2001
 
LEXTRON SYSTEMS, INC. (1)
5,794,259 Apparatus and methods to enhance web browsing on the internet 193 1996
 
LINGUATEG, INC. (1)
6,032,147 Method and apparatus for rationalizing different data formats in a data management system 96 1997
 
LINKSHARE CORPORATION (1)
5,991,740 Data processing system for integrated tracking and management of commerce related activities on a public access network 150 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 308 1997
 
LOANX CORPORATION (1)
5,966,699 System and method for conducting loan auction over computer network 266 1996
 
LOGICLINK CORPORATION (1)
5,987,498 Credit card operated computer on-line service communication system 232 1996
 
LOUDCLOUD, INC. (1)
2002/0161,901 System for communicating with servers using message definitions 7 2001
 
LVWA, LLC (1)
2002/0082,962 Value transfer system for unbanked customers 54 2001
 
Lykes Bros., Inc. (1)
5,666,493 System for managing customer orders and method of implementation 399 1993
 
Mailshell.com, Inc. (1)
7,092,992 Web page filtering including substitution of user-entered email address 49 2001
 
Mantra Technologies, Inc. (1)
5,926,812 Document extraction and comparison method with applications to automatic personalized database searching 115 1997
 
MARITZ HOLDINGS INC. (1)
5,956,695 Filter processor and method for implementing a program 195 1997
 
MARS, INCORPORATED (1)
2002/0004,742 Time variable incentive for purchasing goods and services 15 2000
 
MASSACHUSETTS INSTITUTE OF TECHNOLOGY (1)
4,405,829 Cryptographic communications system and method 942 1977
 
MASSMEDIUM.COM, INC. (1)
2001/0025,253 Multi-level award program 17 2001
 
MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (1)
2002/0111,861 Data transmission system 14 2002
 
MCAFEE, INC. (1)
6,584,508 Advanced data guard having independently wrapped components 69 1999
 
MCI, INC. (1)
2005/0216,421 Integrated business systems for web based telecommunications management 157 2005
 
MDWERKS, INC (1)
2003/0149,594 System and method for secure highway for real-time preadjudication and payment of medical claims 49 2002
 
MEDIA IP HOLDINGS, LLC (1)
2007/0186,252 Method and system for home shopping using video-on-demand services 11 2006
 
MENTOR GRAPHICS CORPORATION (1)
5,815,683 Accessing a remote cad tool server 95 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 219 1998
 
Meridian Enterprises, Inc. (1)
5,025,372 System and method for administration of incentive award program through use of credit 489 1989
 
METASWARM INC (1)
2006/0041,540 System and Method Relating to Dynamically Constructed Addresses in Electronic Messages 32 2005
 
MICRO ENHANCEMENT INTERNATIONAL (1)
7,024,374 Targeted marketing and purchase behavior monitoring system 38 2000
 
MICRON TECHNOLOGY, INC. (1)
5,692,124 Support of limited write downs through trustworthy predictions in multilevel security of computer network communications 99 1996
 
Midwest Payment Systems, Inc. (1)
2001/0032,183 System and method for paying bills and other obligations including selective payor and payee controls 65 2001
 
MINOLTA CO., LTD. (1)
6,075,519 Operational mode setting apparatus for display screen 38 1996
 
MITEL NETWORKS CORPORATION (1)
5,761,288 Service context sensitive features and applications 59 1995
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,698,837 Method and system for identifying and communicating with a plurality of contactless IC cards 155 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 17 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 39 1998
 
MOTOROLA MOBILITY LLC (1)
6,105,006 Transaction authentication for 1-way wireless financial messaging units 74 1997
 
MOUNT HAMILTON PARTNERS, LLC (1)
5,826,245 Providing verification information for a transaction 329 1995
 
MPOWER MOBILE, INC. (1)
2007/0203,850 Multifactor authentication system 13 2007
 
MSHIFT, INC. (1)
6,950,881 System for converting wireless communications for a mobile device 17 2000
 
MULTEX SYSTEMS, INC. (1)
6,912,529 Method and system for storing and retrieving documents 20 1998
 
National Bancard Corporation (1)
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 54 1994
 
NATIONAL SEMICONDUCTOR CORPORATION (1)
5,828,812 Recurrent neural network-based fuzzy logic system and method 48 1995
 
NELNET, INC. (1)
2002/0161,630 Loyalty reward program for reducing the balance of a loan obligation 46 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 13 2002
 
NETSAGE CORPORATION (1)
6,201,948 Agent based instruction system and method 281 1998
 
NETSCAPE COMMUNICATIONS CORPORATION (1)
6,134,592 Persistant client state in a hypertext transfer protocol based client-server system 107 1997
 
NETSILICA, INC. (1)
2003/0046,587 Secure remote access using enterprise peer networks 104 2002
 
NEW FIRST CITY, TEXAS - AUSTIN, N.A. (1)
4,725,719 Restricted purpose, commercial, monetary regulation method 158 1986
 
NEWGISTICS, INC. (1)
2001/0047,315 System and method for single-action returns of remotely purchased merchandise 21 2001
 
NEXTCARD, INC. (1)
6,718,313 Integrating live chat into an online credit card application 31 2000
 
NEXTPAGE, INC. (1)
6,401,125 System and method for maintaining state information between a web proxy server and its clients 56 1999
 
NOMOREFORMS, INC. (1)
6,088,700 Automated forms completion for global information network applications 133 1999
 
NORTHERN LIGHT WEB SEARCH (1)
2005/0131,721 System and method to facilitate sharing of information 5 2004
 
NORTHERN TELECOM LIMITED (1)
4,249,180 Past dependent microcomputer cipher apparatus 31 1978
 
NORTHROP GRUMMAN SYSTEMS CORPORATION (1)
5,848,190 Method and apparatus for locating and identifying an object of interest in a complex image 16 1996
 
NPAX, Inc. (1)
2002/0002,495 INTEGRATED PHARMACEUTICAL ACCOUNTS MANAGEMENT SYSTEM AND METHOD 74 2000
 
NSK LTD. (1)
5,644,493 Production information processing system 87 1995
 
NVOQ INCORPORATED (1)
2002/0156,900 Protocol independent control module 56 2002
 
OGILVIE, JOHN (1)
2006/0095,350 Funds collection tools and techniques 18 2005
 
OKAIKEI, INC. (1)
2004/0078,276 System for electronic merchandising and shopping 12 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 196 1994
 
OMNISEC AG, TROCKENLOOSTRASSE 91, CH-8105 REGENSDORF, SWITZERLAND, A CO. OF SWITZERLAND (1)
5,161,244 Cryptographic system based on information difference 24 1991
 
Omron Tateisi Electronics Co. (1)
4,713,760 Transaction processing system for separate registration and settlement functions 27 1985
 
OPEN SOLUTIONS INC. (1)
5,602,936 Method of and apparatus for document data recapture 210 1995
 
OPTIMIZEUSA, INC. (1)
2003/0088,489 Automated investment advisory software and method 31 2000
 
ORACLE OTC SUBSIDIARY LLC (1)
6,791,974 Universal internet based telephony system that provides ubiquitous access for subscribers from any terminal device 38 2000
 
ORBIS PATENTS LTD. (1)
6,029,890 User-Specified credit card system 176 1998
 
OSUMA FINLAND OY (1)
2006/0011,719 Customer loyalty card and devices associated therewith 21 2005
 
OUTLAND PRECIPICE CO. L.L.C. (1)
2005/0261,995 Method and system for processing tax pertaining to a goods and services transaction 23 2005
 
OUTSITE NETWORKS, INC. (1)
2005/0023,346 System and method for providing incentives based on receipt sniffing 18 2004
 
PALM, INC. (1)
5,276,311 Method and device for simplifying the use of a plurality of credit cards, or the like 408 1992
 
PALUS A4, LLC (1)
6,931,382 Payment instrument authorization technique 49 2001
 
PANARA ACQUISITIONS CO, LLC (1)
6,216,115 Method for multi-directional consumer purchasing, selling, and transaction management 76 1998
 
PARAGON TRADE BRANDS, INC. (1)
7,266,839 System and method for providing discriminated content to network users 15 2001
 
PARALLEL AXIS GOLF (1)
RE38717 Golf club 13 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 49 1999
 
PASS TECHNOLOGIES, INC. (1)
4,859,837 Portable data carrier incorporating manually presettable processing modes 120 1988
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 95 2001
 
PAYBYCLICK CORPORATION--TEXAS (1)
7,249,099 Method and apparatus for conducting electronic commerce transactions using electronic tokens 38 2005
 
PAYMENT PROCESSING, INC. (1)
2003/0229,590 Global integrated payment system 29 2002
 
Paymentech, Inc. (1)
6,169,974 Method for closed loop processing of transactions utilizing bank card association 54 1998
 
PEGASYSTEMS INC. (1)
5,826,250 Rules bases and methods of access thereof 89 1996
 
PENDRAGON NETWORKS LLC (1)
6,317,834 Biometric authentication system with encrypted models 112 1999
 
PERSONALIZED MEDIA COMMUNICATIONS, L.L.C. (1)
5,233,654 Signal processing apparatus and methods 286 1992
 
PHONEWORKS, INC. (1)
2002/0069,109 Interactive computerized methods and apparatus for conducting an incentive awards program 38 2001
 
PINPOINT INCORPORATED (1)
5,835,087 System for generation of object profiles for a system for customized electronic identification of desirable objects 802 1995
 
PITNEY BOWES INC. (1)
4,713,761 System for centralized processing of accounting and payment functions 213 1985
 
PLANETJAM MEDIA GROUP, INC. (1)
2002/0010,621 Incentives for content consumption 34 2001
 
PLAYMEDIA SYSTEMS, INC. (1)
2001/0032,312 System and method for secure electronic digital rights management, secure transaction management and content distribution 128 2000
 
PLURIS SAVINGS NETWORKS, LLC (1)
6,105,865 Financial transaction system with retirement saving benefit 275 1998
 
POINT INTERNATIONAL LTD. (1)
2003/0040,964 Loyalty currency vending system 46 2002
 
POINTS CORPORATION (1)
2003/0144,902 Computer program and system for recording and processing bonus credits 13 2001
 
POINTS.COM (1)
2002/0143,614 Apparatus and method of facilitating the exchange of points between selected entitles 48 2001
 
PORTO RANELLI, S.A. (1)
2001/0032,184 Property linked-credit card 33 2000
 
POSITIVE SERVICES GROUP, INC. (1)
2004/0015,394 Method for rewarding customer loyalty with respect to a lease agreement 16 2002
 
Postron Corp. (1)
4,695,880 Electronic information dissemination system 222 1985
 
Powell, Raymond H.J. (1)
2003/0233,255 METHOD OF COORDINATING MAINTENANCE OF VITAL PATIENT DATA AND SOFTWARE THEREFOR 12 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 667 1995
 
PRINCIPAL FINANCIAL SERVICES, INC. (1)
2003/0167,199 Automated workflow means and method for pension products 9 2002
 
PRINCIPIA PARTNERS LLC (1)
2002/0111,891 Accounting system for dynamic state of the portfolio reporting 56 2001
 
Printon AB (1)
6,992,786 Method and system for online creation and ordering of customized material for printing 31 2000
 
PRIO, INC. (1)
2003/0009,379 System and method for providing an automatic purchase reward 37 2002
 
PRISM TECHNOLOGIES LLC (1)
6,516,416 Subscription access system for use with an untrusted network 153 1997
 
PRIVASYS (1)
2007/0034,700 Electronic cards and methods for making same 70 2006
 
PROACT TECHNOLOGIES CORP. (1)
2002/0184,507 Centralized single sign-on method and system for a client-server environment 64 2001
 
PROGRESS FEDERAL SAVINGS BANK (1)
5,495,981 Transaction card mailer and method of making 100 1994
 
Prout AG (1)
6,498,657 Programmable data extractor, data analyzer, and printer report generator 32 1999
 
PSC SCANNING, INC. (1)
5,789,732 Portable data module and system for consumer transactions 119 1996
 
PUVAAL APPLICATIONS AG, LLC (1)
7,155,477 Method and system for continuous interactive communication in an electronic network 6 2001
 
QGENISYS, INC. (1)
6,938,048 Universal task management system, method and product for automatically managing remote workers, including automatically training the workers 51 2001
 
QUALCOMM INCORPORATED (1)
2001/0055,391 System and method for extracting, decoding, and utilizing hidden data embedded in audio signals 41 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 134 1995
 
R. Alan Blau & Associates, Inc. (1)
5,634,101 Method and apparatus for obtaining consumer information 95 1995
 
R. R. Donnelley & Sons Company (1)
5,502,636 Personalized coupon generating and processing system 287 1992
 
Radisson Hotels International, Inc. (1)
5,483,444 System for awarding credits to persons who book travel-related reservations 264 1995
 
RAYTHEON COMPANY (1)
5,241,594 One-time logon means and methods for distributed computing systems 275 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 425 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 101 1999
 
RESEARCH IN MOTION LIMITED (1)
6,868,391 Tele/datacommunications payment method and apparatus 76 1998
 
REUTERS LIMITED (1)
6,535,917 Market data domain and enterprise system implemented by a master entitlement processor 40 1999
 
REWARDS SYSTEMS, INC. (1)
2004/0215,507 Fully funded reward program 45 2002
 
RISEN, KATHERINE D. (1)
6,018,714 Method of protecting against a change in value of intellectual property, and product providing such protection 132 1997
 
ROCKET SOFTWARE, INC. (1)
5,305,456 Apparatus and method for computer system integrated security 41 1991
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (1)
5,828,734 Telephone interface call processing system with call selectivity 67 1993
 
ROUSTAN, W. GRAEME (1)
2001/0037,243 System and method for redeeming frequent flyer miles 34 2001
 
ROYAL BANK OF SCOTLAND PLC, THE (1)
2007/0043,681 ONLINE TRANSACTIONS SYSTEMS AND METHODS 14 2006
 
RPX CORPORATION (1)
5,970,483 Apparatus and methodology for submitting search queries 67 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 384 1998
 
S.F. IP PROPERTIES 33 LLC (1)
5,163,098 System for preventing fraudulent use of credit card 93 1990
 
SAMSUNG ELECTRONICS CO., LTD. (1)
2003/0131,357 Method and apparatus for displaying additional information linked to digital TV program 8 2002
 
SAN MATEO INTERNET ASSOCIATES, INC. (1)
2001/0049,628 On-line system for aggregation of purchase bonuses 51 2001
 
SANDCHERRY NETWORKS, INC. (1)
7,185,094 Media session framework using a control module to direct and manage application and service servers 35 2001
 
SANTA CRUZ NETWORKS, INC. (1)
2003/0041,165 System and method for group video teleconferencing using a bandwidth optimizer 16 2001
 
SCIENCE APPLICATIONS INTERNATIONAL CORPORATION (1)
2005/0055,306 User-defined dynamic collaborative environments 163 2004
 
SECURITY AND INTRUSION DETECTION RESEARCH LABS, LLC (1)
2002/0078,382 Scalable system for monitoring network system and components and methodology therefore 100 2001
 
SELFOO (1)
2004/0006,487 Centralised system and method for dispensing services to automatic sales terminals 20 2003
 
SENA CONSULTING INC. (1)
2003/0070,069 Authentication module for an enterprise access management system 29 2001
 
SENSCOM, INC. (1)
2002/0120,571 Wireless financial system 25 2001
 
SHABBIR KHAN (1)
6,401,206 Method and apparatus for binding electronic impressions made by digital identities to documents 101 1998
 
SHC Direct, Inc. (1)
6,014,635 System and method for providing a discount credit transaction network 149 1997
 
SHEP DATA FUNDING LLC (1)
5,761,661 Data management system and method 93 1994
 
SHOPALOTTO.COM LIMTED (1)
6,540,608 Lottery 4 2001
 
SHORE DEARY, L.L.P. (1)
5,910,988 Remote image capture with centralized processing and storage 341 1997
 
SIEMENS AKTIENGESELLSCHAFT (1)
2003/0120,544 International incentive system 14 2002
 
SIEMENS MEDICAL SOLUTIONS HEALTH SERVICES CORPORATION (1)
2004/0199,406 System for monitoring payment for provision of services to an entity 19 2004
 
SIVAULT, INC. (1)
2002/0031,230 Method and apparatus for a web-based application service model for security management 127 2001
 
SL SOFRTWARE, INC. (1)
5,682,524 Databank system with methods for efficiently storing non-uniform data records 171 1995
 
SMART TV LLC (1)
5,880,769 Interactive smart card system for integrating the provision of remote and local services 236 1995
 
SMART VOUCHER LIMITED (1)
2003/0158,782 Electronic processing system 16 2003
 
SMARTOUCH, LLC (1)
5,764,789 Tokenless biometric ATM access system 272 1996
 
SOCIETE ANONYME DITE: COMPAGNIE GENERALE D'AUTOMATISME CGA-HBS (1)
4,977,501 Fare collection system using microwaves 60 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 13 1991
 
SONUS NETWORKS, INC. (1)
2003/0159,072 Single sign-on for multiple network -based services 59 2003
 
Sony Corporation/Sony Electronic Inc. (1)
7,493,636 Method and apparatus for providing electronic coupons 9 2005
 
SOPHEON UK LIMITED (1)
6,526,404 Information system using human resource profiles 37 2000
 
SOURCE SEARCH TECHNOLOGIES, LLC (1)
5,758,328 Computerized quotation system and method 617 1996
 
SPENDINGMONEY, LLC (1)
5,864,830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 290 1997
 
SPINDLE MOBILE, INC. (1)
5,991,738 Automated credit card processing 76 1997
 
Spot Metals Online (1)
5,715,402 Method and system for matching sellers and buyers of spot metals 385 1995
 
Starbucks Corporation (1)
2005/0080,672 Creating customer loyalty 17 2004
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,991,748 Methods and apparatus for regenerating a prepaid transaction account 230 1996
 
Steven Nichtberger (1)
4,882,675 Paperless system for distributing, redeeming and clearing merchandise coupons 403 1984
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1447 1986
 
SUBSIDIARY OF PENDRELL TECHNOLOGIES LLC (1)
6,182,220 System and method for building and exchanging encrypted passwords between a client and server 30 1998
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 194 1998
 
SUNTEC CITY DEVELOPMENT PTE LTD (1)
2002/0087,349 System and method for increasing perceived value of property to tenants 15 2001
 
SUNTRUST BANK (1)
2002/0087,471 Multiple mode registration and payment processing 34 2001
 
SWISS REINSURANCE CORPORATION (1)
2004/0117,658 Security monitoring and intrusion detection system 11 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 90 1996
 
SYSTEMNEEDS, INC. (1)
6,938,020 Memory rental service system in intelligent authentication unit 7 2002
 
SYSTEMS SPRAY COOLED, INC. (1)
6,185,242 Integral side wall and tap hole cover for an eccentric bottom tap (EBT) electric furnace 45 2000
 
TADASHI ETOH (INDIVIDUAL) (1/2 OF RIGHT) (1)
6,260,026 Credit card information management system 106 1997
 
TANDEM COMPUTERS INCORPORATED (1)
4,723,246 Integrated scrambler-encoder using PN sequence generator 16 1985
 
TELE-PUBLISHING, INC. (1)
6,073,105 Interactive personals online network method and apparatus 189 1997
 
TELEBUYER, LLC (1)
5,412,708 Videophone system for scrutiny monitoring with computer control 144 1993
 
TELECOM ITALIA S.P.A. (1)
6,738,779 Apparatus for and method of multiple parallel string searching 48 2001
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
5,724,423 Method and apparatus for user authentication 79 1995
 
TELSPAN, INC. (1)
5,467,269 Method and means for telephonically crediting customers with rebates and refunds 238 1994
 
TEXAS INSTRUMENTS INCORPORATED (1)
6,161,113 Computer-aided project notebook 86 1998
 
THE 41ST PARAMETER, INC. (1)
2007/0234,409 SYSTEMS AND METHODS FOR DETECTION OF SESSION TAMPERING AND FRAUD PREVENTION 16 2007
 
THE ACTIVE NETWORK, INC. (1)
7,523,385 System and method for enterprise event marketing and management automation 20 2001
 
The Beacon Journal Publishing Company (1)
2002/0095,443 Method for automated generation of interactive enhanced electronic newspaper 26 2002
 
THE BOARD OF TRUSTEES OF THE LELAND STANFORD JUNIOR UNIVERSITY (1)
4,200,770 Cryptographic apparatus and method 685 1977
 
The MathWorks, Inc. (1)
7,139,686 Report generator for a mathematical computing environment 17 2000
 
THE PRODUCT ENGINE, INC. (1)
6,915,271 Method and system for delivering redeeming dynamically and adaptively characterized promotional incentives on a computer network 92 1999
 
THE REGENTS OF THE UNIVERSITY OF CALIFORNIA (1)
5,838,906 Distributed hypermedia method for automatically invoking external application providing interaction and display of embedded objects within a hypermedia document 545 1994
 
THE SPERRY AND HUTCHINSON COMPANY, INC. (1)
2002/0128,916 Methods, apparatus and articles-of-manufacture for distributing/redeeming a universal incentive currency 23 2001
 
The United States of America as represented by the Secretary of the Air Force (1)
5,189,606 Totally integrated construction cost estimating, analysis, and reporting system 202 1991
 
THOMSON CORPORATION, THE (1)
2005/0114,254 Financial-information systems, methods, interfaces, and software 10 2004
 
TIME WARNER, INC. (1)
6,539,424 Restricting deep hyperlinking on the World Wide Web 48 1999
 
TIMELY REWARDS, INC. (1)
2002/0111,859 Integrated frequency and award redemption program for installment based receivables behavior modification and customer loyalty management 18 2001
 
TOBIN FAMILY EDUCATION AND HEALTH FOUNDATION, THE (1)
6,141,666 Method and system for customizing marketing services on networks communicating with hypertext tagging conventions 210 1997
 
TOTAL SYSTEMS INTEGRATORS, INC. (1)
5,842,421 Power and free conveyor system utilizing power track and dog elevation to prevent jamming conditions at transfers and switches 13 1996
 
TOTAL SYSTEMS SERVICES, INC. (1)
2004/0210,531 System and method for single event authorization control of transactions 27 2002
 
TOUCH TECHNOLOGIES, INC. (1)
5,544,086 Information consolidation within a transaction network 204 1994
 
TOYOTA FINANCE CORPORATION (1)
2002/0070,270 Award point service system, recording medium for use therein and award point service method 14 2001
 
TQP DEVELOPMENT, LLC (1)
5,412,730 Encrypted data transmission system employing means for randomly altering the encryption keys 64 1992
 
TRANSAMERICA BUSINESS CREDIT CORPORATION (1)
5,991,751 System, method, and computer program product for patent-centric and group-oriented data processing 224 1997
 
TRANSUNION INTERACTIVE, INC. (1)
2005/0154,664 Credit and financial information and management system 73 2005
 
TRAVELFIO.COM (1)
2002/0143,621 System and method for transferring credits as an incentive for prompt payment 23 2001
 
TRIMBLE NAVIGATION LIMITED (1)
5,764,770 Image authentication patterning 109 1997
 
TRIVNET LTD. (1)
2001/0034,718 Applications of automatic internet identification method 44 2001
 
TWINTECH E.U. II, LIMITED LIABILITY COMPANY (1)
5,819,285 Apparatus for capturing, storing and processing co-marketing information associated with a user of an on-line computer service using the world-wide-web. 214 1995
 
U.S. BANCORP LICENSING, INC. (1)
2005/0060,579 SECURE NETWORK SYSTEM AND ASSOCIATED METHOD OF USE 10 2004
 
U.S. Philips Corporation (1)
4,890,324 Enciphering/deciphering method and arrangement for performing the method 11 1987
 
UBS PAINEWEBBER INC. (1)
2003/0040,995 Benefit provider system and method 31 2001
 
ULTRAMERCIAL, INC. (1)
2002/0111,860 Method and system for payment ofgoods and/or services by thesponsor of an interposedcommunication on behalf ofa consumer 13 2001
 
UNISYS CORPORATION (1)
2005/0193,056 Message transfer using multiplexed connections in an open system interconnection transaction processing environment 12 2002
 
UNITED HEALTH GROUP INCORPORATED (1)
2005/0256,794 Benefit financing arrangement 20 2005
 
UNITED PARCEL SERVICE OF AMERICA, INC. (1)
7,729,980 Systems and associated methods for providing projected incentive based loans 13 2004
 
UNIVERSAL INTELLECTUAL PROPERTY HOLDINGS, INC. (1)
2005/0021,457 Financial account up-front incentives management system and method 116 2004
 
UNTIGUOES TECHNOLOGY LLC (1)
6,178,408 Method of redeeming collectible points 187 1999
 
Urban Juice & Soda Company (1)
6,493,677 Method and apparatus for creating and ordering customized branded merchandise over a computer network 65 2000
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 707 1995
 
ValueCentric Marketing Group, Inc. (1)
2008/0262,915 Loyalty rewards management and processing system and method 12 2007
 
VEICON TECHNOLOGY, INC. (1)
5,958,007 Automatic and secure system for remote access to electronic mail and the internet 113 1997
 
VENGTE SOFTWARE AG LIMITED LIABILITY COMPANY (1)
6,587,835 Shopping assistance with handheld computing device 537 2000
 
VERANCE CORPORATION (1)
6,912,315 Pre-processed information embedding system 30 2000
 
VERIZON PATENT AND LICENSING INC. (1)
6,202,151 System and method for authenticating electronic transactions using biometric certificates 180 1997
 
Vermeer Technologies, Inc. (1)
5,819,092 Online service development tool with fee setting capabilities 437 1997
 
VINDICATOR CORPORATION (1)
5,001,755 Security system network 44 1990
 
VINDICATOR, 1445 OAKLAND ROAD, SAN JOSE, CA 95112-1203 (1)
4,980,913 Security system network 83 1988
 
VIRNETX INC. (1)
2003/0037,142 Agile network protocol for secure communications with assured system availability 44 2002
 
VOXPATH NETWORKS, INC. (1)
6,687,245 System and method for performing IP telephony 92 2001
 
W. & T. Avery Limited (1)
5,352,877 Non-contact transaction system with token presence detection 43 1992
 
WALENBRECK GMBH, LLC (1)
6,088,683 Secure purchase transaction method using telephone number 252 1996
 
WALKER DIGITAL MANAGEMENT LIMITED PARTNERSHIP (1)
5,884,274 System and method for generating and executing insurance policies for foreign exchange losses 129 1996
 
WASHINGTON MUTUAL BANK, F.A. (1)
5,734,838 Database computer architecture for managing an incentive award program and checking float of funds at time of purchase 322 1995
 
WEBMD, INC. (1)
6,826,696 System and method for enabling single sign-on for networked applications 68 2000
 
WEBXCHANGE, INC. (1)
5,778,178 Method and apparatus for enabling real-time bi-directional transactions on a network 221 1996
 
Weiss Jensen Ellis & Howard (1)
6,144,848 Handheld remote computer control and methods for secured interactive real-time telecommunications 473 1996
 
Wireless Checking, Inc. (1)
2003/0125,969 Method and apparatus for processing financial transactions over a paging network 40 2001
 
WORCESTER TECHNOLOGIES LLC (1)
7,225,462 Systems and methods for managing web user information 12 2002
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 342 1995
 
XTec, Incorporated (1)
6,901,375 Methods and apparatus for electronically storing and retrieving value information on a portable card 59 2001
 
YAHOO! INC. (1)
7,370,011 Financial information portal 24 2001
 
York Eggleston (1)
6,061,660 System and method for incentive programs and award fulfillment 431 1998
 
ZANNI ASSETS LIMITED LIABILITY COMPANY (1)
6,490,601 Server for enabling the automatic insertion of data into electronic forms on a user computer 274 1999
 
ZEDO, INC. (1)
2002/0069,105 Data processing system for targeted content 83 2000
 
ZIH CORP. (1)
5,680,459 Passive transponder 100 1995
 
Other [Check patent profile for assignment information] (143)
4,567,359 Automatic information, goods and services dispensing system 386 1984
4,633,397 Union member accounts management system 91 1984
4,823,264 Electronic funds transfer system 485 1986
4,696,491 Information reference book and indexing system 52 1986
4,747,139 Software security method and systems 195 1986
4,868,877 Public key/signature cryptosystem with enhanced digital signature certification 365 1988
5,016,274 On-line/off-line digital signing 183 1988
4,941,090 Centralized consumer cash value accumulation system for multiple merchants 255 1989
5,005,200 Public key/signature cryptosystem with enhanced digital signature certification 343 1989
5,117,355 Centralized consumer cash valve accumulation system for multiple merchants 325 1990
5,202,826 Centralized consumer cash value accumulation system for multiple merchants 410 1991
5,297,026 System for promoting account activity 250 1992
5,287,268 Centralized consumer cash value accumulation system for multiple merchants 380 1992
5,267,314 Secure transaction system and method utilized therein 92 1992
5,524,073 Secure transaction system and method utilized therein 132 1993
5,576,951 Automated sales and services system 314 1994
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 254 1994
5,473,732 Relational artificial intelligence system 90 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 156 1995
5,555,303 Secure transaction system and method utilized therein 54 1995
5,646,998 Secure transaction system and method utilized therein 66 1995
5,677,521 Personal identification and credit information system and method of performing transaction 46 1995
5,787,404 Credit-card based retirement fund system and method 169 1995
5,706,452 Method and apparatus for structuring and managing the participatory evaluation of documents by a plurality of reviewers 156 1995
5,671,285 Secure communication system 114 1995
5,802,498 Computer-aided prepaid transmittal charge billing system 153 1996
RE36116 Centralized consumer cash value accumulation system for multiple merchants 203 1996
5,907,142 Fraud resistant personally activated transaction card 145 1996
5,953,710 Children's credit or debit card system 460 1996
5,793,302 Method for securing information relevant to a transaction 61 1996
5,991,736 Patronage incentive award system incorporating retirement accounts and method thereof 133 1997
5,974,148 Method for securing information relevant to a transaction 79 1997
5,936,541 Method for securing information relevant to a transaction 74 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 194 1997
6,070,153 System and method for automatically investing a portion of a credit card interest charged amount in an investment account 142 1997
6,069,968 Electronic transaction system for banking, security, and/or charge card 8 1997
6,038,547 Construction tracking and payment method and system 114 1998
5,842,178 Computerized quotation system and method 434 1998
6,253,328 Method and apparatus for securing passwords and personal identification numbers 55 1998
6,266,648 Benefits tracking and correlation system for use with third-party enabling organizations 52 1998
6,032,134 Credit card billing system for identifying expenditures on a credit card account 98 1998
2003/0050,831 SYSTEM FOR DISTRIBUTION AND REDEMPTION OF LOYALTY POINTS AND COUPONS 56 1998
6,243,689 System and method for authorizing electronic funds transfer at a point of sale 103 1998
2002/0069,104 METHOD AND APPARATUS FOR GENERATING PERSONAL IDENTIFICATION NUMBERS FOR USE IN CONSUMER TRANSACTIONS 30 1999
6,609,106 System and method for providing electronic multi-merchant gift registry services over a distributed network 122 1999
6,385,591 Method and system for electronic organization of coupons 185 1999
6,446,053 Computer-implemented method and system for producing a proposal for a construction project 65 1999
2002/0128,903 ENCRYPTED COUPONS 77 1999
6,243,688 Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle 219 1999
6,327,575 Point of sale terminal for the visually impaired 87 2000
6,581,040 Project specific communications system and method 90 2000
7,089,203 Building construction bid and contract management system, internet-based method and computer program therefor 32 2000
6,769,605 Money transfer system 40 2000
2002/0077,895 Electronic consumer incentive distribution system 77 2000
2002/0091,567 System and method for electronically redeeming coupons 15 2001
2002/0147,633 Interactive advertisement and reward system 23 2001
2001/0047,295 Equity rewards method 34 2001
2002/0107,731 Purchase-based reward system and method 26 2001
2001/0029,464 Method for conducting on-line transactions 9 2001
2001/0034,663 Electronic contract broker and contract market maker infrastructure 72 2001
2002/0069,122 Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet 62 2001
2001/0038,033 Unified communications and commerce systems and methods, and device therefore 68 2001
2002/0152,116 Method and system for generating fixed and/or dynamic rebates in credit card type transactions 48 2001
2002/0059,345 Method for generating transform rules for web-based markup languages 19 2001
2002/0178,213 Remote URL munging 13 2001
2002/0152,118 System of a computer-networked, point-of-sale rebate award program 15 2001
2002/0178,113 System and method for offering customized credit card products 16 2001
2003/0009,374 Schemes employing mobile communications 29 2001
2002/0032,650 Payment system and method 29 2001
2001/0047,342 Credit or debit cards of all kinds to be issued with a bank savings account attched 132 2001
2002/0002,597 Systems and methods for producing reward advertising and distributing by click-through incentives 14 2001
2002/0007,313 Credit system 75 2001
2002/0055,874 Method and apparatus for value allocation exchange 37 2001
2002/0018,585 System and method for cardless secure credit transaction processing 54 2001
2003/0018,523 Rewards program using electronically encoded instruments 39 2001
2002/0042,742 Customer award and incentive system 21 2001
6,607,127 Magnetic stripe bridge 137 2001
2002/0040,344 Check guarantee, verification, processing, credit reports and collection system and method awarding purchase points for usage of checks 41 2001
2003/0061,093 System for rewarding customers of financial services providers 39 2001
2002/0178,056 Consumer loyalty marketing program based on multi-transaction platform that provides high rewards to members under a tiered reward scheme 15 2001
2002/0062,253 Loyalty club reward system for use in a broadcast loyalty program 47 2001
6,754,640 Universal positive pay match, authentication, authorization, settlement and clearing system 87 2001
2003/0083,933 Systems and methods for providing rewards benefits to account holders 44 2001
2002/0082,920 System and methods for providing a multi-merchant loyalty program 54 2001
2002/0072,974 System and method for displaying and selling goods and services in a retail environment employing electronic shopper aids 158 2001
2002/0059,103 Building frequent shopper programs for web merchants 23 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 95 2002
7,340,773 Multi-stage authorisation system 5 2002
2003/0009,426 Methods and apparatus for protecting against credit card fraud, check fraud, and identity theft 24 2002
2003/0200,141 Customer loyalty program 16 2002
2003/0004,803 Method for providing securities rewards to customers 16 2002
2003/0220,834 Retail loyalty system (RLS) with embedded web server 18 2002
2004/0002,916 Systems and methods for managing balance transfer accounts 46 2002
2003/0208,400 Incentive mechanism for encouraging adoption and use 14 2002
2003/0212,630 Method and apparatus for payment of bills and obligations by credit card 17 2002
2003/0065,618 Method and system for electronic payroll advance and deposit 14 2002
6,727,802 Anti-tear protection for smart card transactions 32 2002
2003/0182,246 Applications of fractal and/or chaotic techniques 75 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 144 2003
2003/0225,619 System and method for dealing with loyalty program points 22 2003
2003/0216,964 Apparatus and method of distributing and tracking the distribution of incentive points 30 2003
2003/0208,439 Automated soft limit control of electronic transaction accounts 102 2003
2004/0010,447 System, method and apparatus for membership retention and conversion 14 2003
2005/0091,104 Savemore 19 2003
2003/0216,967 Electronic promotions systems 71 2003
2004/0138,991 Anti-fraud document transaction system 13 2003
2005/0055,270 Supervisory control and acquisition system for retail advertising and reward program 18 2003
2006/0010,033 Reward programme points exchange 31 2003
2004/0177,036 Bank account automatic adjustment system 70 2003
2005/0120,180 Cache time determination 22 2003
2005/0149,393 Lottery credit card rewards system 19 2004
2005/0171,839 Communication system for business marketing including a point system to motivate users 15 2004
2005/0187,820 Participating in an incentive program using a portable memory device 15 2004
2004/0149,544 Scraping and cleaning device for conveyor belts 46 2004
2005/0278,215 Consumer reward system 22 2004
2005/0004,839 Method and system for providing incentives based on a payment type 47 2004
2004/0249,712 System, method and computer program product for presenting, redeeming and managing incentives 39 2004
2004/0236,688 Universal positive pay database method, system, and computer useable medium 106 2004
2006/0010,034 Method for rewarding purchasing activities and a system thereof 14 2004
2004/0230,843 System and method for authenticating users using image selection 42 2004
2006/0020,507 Method and apparatus for managing multi-entity customer relations 15 2004
2005/0021,363 Debit card per-transaction charitable contribution 75 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 14 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 17 2004
2005/0080,747 Method for generating customer one-time unique purchase order numbers 84 2004
2005/0082,362 Anonymous merchandise delivery system 32 2004
2005/0086,160 Method for implementing anonymous credit card transactions using a fictitious account name 111 2004
2005/0086,177 Method for customizing payment card transactions at the time of the transactions 86 2004
7,051,929 Secure credit card having daily changed security number 88 2004
2005/0119,938 Method for providing consumer benefits using a club program 15 2004
2005/0125,292 Retail rebate card 27 2004
2005/0177,523 Method for improving the terms of consumer relationships 12 2004
2005/0222,906 System and method of targeted marketing 49 2005
2005/0246,627 System and method for creating and maintaining a web site 35 2005
2005/0160,051 Network-accessible account system 17 2005
2005/0256,802 Payment protocol and data transmission method and data transmission device for conducting payment transactions 28 2005
2006/0259,766 System and method to protect personal identity identifiers 7 2005
2006/0020,783 Method, system and service for conducting authenticated business transactions 22 2005
2006/0026,073 Methods and Systems for Managing Card Programs and Processing Card Transactions 22 2005
2006/0122,943 System for providing cardless payment 4 2006
2007/0192,618 System and method for single sign on process for websites with multiple applications and services 12 2006
2009/0192,940 SYSTEM FOR PROVIDING CARDLESS PAYMENT 6 2009
2010/0057,553 System and Method for Performing a Real Time Redemption Transaction by Leveraging a Payment Network 11 2009

Patent Citation Ranking

Forward Cites

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

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Nov 22, 2015
7.5 Year Payment $3600.00 $1800.00 $900.00 Nov 22, 2019
11.5 Year Payment $7400.00 $3700.00 $1850.00 Nov 22, 2023
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00