US Patent No: 8,229,844

Number of patents in Portfolio can not be more than 2000

Method of billing a purchase made over a computer network

ALSO PUBLISHED AS: 20090055315

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A method of effecting a sale over a computer network in which it is determined whether a user passes fraud control before effecting a sale over a computer network. Information associated with a method of payment, such as credit card information, debit card information, checking account information, a telephone service account, a cable television account, a utility service account, or an Internet service provider account, is requested from the user after the user passes the fraud control. Information associated with the method of payment is received from the user in real time. Method-of-payment information is communicated to a payment authorization database, which can be located locally or remotely. The method-of-payment information includes the received information associated with the method of payment. Payment authorization information associated with the method of payment is received from the payment authorization database. A sale transaction is completed when the payment authorization information is affirmative. Sale charge information associated with the sale effected over the computer network is transmitted to the payment authorization database when the sale transaction is complete. The sale charge information includes information for charging the method of payment an amount representing a charge for the sale.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
FRAUD CONTROL SYSTEMS.COM CORPORATIONBOCA RATON, FL12

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Felger, David Boca Raton, FL 21 380

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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Omron Tateisi Electronics Co. (34)
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HEWLETT-PACKARD COMPANY (27)
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5,256,867 Card reader apparatus 13 1991
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5,345,090 Manual check reader apparatus with optical imaging 42 1993
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5,641,050 Dispensing machine with data card scanner apparatus and enhanced features 156 1995
5,577,118 Telephone-terminal combination with plural keyboards 60 1995
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 553 1996
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5,812,668 System, method and article of manufacture for verifying the operation of a remote transaction clearance system utilizing a multichannel, extensible, flexible architecture 254 1996
5,850,446 System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture 321 1996
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CASIO COMPUTER CO., LTD. (19)
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D343413 Slip printer 8 1991
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5,491,820 Distributed, intermittently connected, object-oriented database and management system 225 1994
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5,875,236 Call handling method for credit and fraud management 123 1995
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5,778,173 Mechanism for enabling secure electronic transactions on the open internet 117 1996
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MICROSOFT CORPORATION (15)
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Tokyo Electric Co., Ltd. (14)
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4,661,908 Sales data processing system 28 1985
4,683,536 Product sales data processing system for on-line connection to host CPU 52 1985
4,879,650 POS register system with combined optical scanner and weighing machine 32 1986
4,907,227 In-line coupling circuit for a closed-loop communication terminal 12 1987
4,870,577 ECR in which article data stored in a memory is altered according to sales data 16 1988
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NCR CORPORATION (11)
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4,689,478 System for handling transactions including a portable personal terminal 271 1984
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4,751,641 Method and apparatus for storing data to facilitate price look-up 8 1986
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VERIZON PATENT AND LICENSING INC. (11)
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5,506,887 Personal communications service using wireline/wireless integration 207 1995
5,524,145 Incoming call completion threshold restriction 91 1995
5,717,745 System and method of efficiently evaluating different messages by a server in a telecommunications environment 41 1995
5,566,234 Method for controlling fraudulent telephone calls 65 1995
5,864,613 System and method for controlling telephone use 69 1996
5,859,898 Messaging architecture supporting digital and analog media 53 1996
6,292,478 Telecommunications system 98 1996
 
AT&T Bell Laboratories (10)
5,181,238 Authenticated communications access service 173 1989
5,003,584 Method and apparatus for the billing of value-added communication calls 282 1990
5,223,699 Recording and billing system 133 1990
5,187,710 Method and apparatus for the billing of value-added communications calls 111 1990
5,206,899 Arrangement for outbound telecommunications 97 1991
5,333,186 Telecommunication call billing method and apparatus 79 1991
5,276,444 Centralized security control system 186 1991
5,287,403 Method and apparatus for processing telephone calls charged to credit cards 70 1992
5,357,564 Intelligent call screening in a virtual communications network 59 1992
5,311,594 Fraud protection for card transactions 322 1993
 
HITACHI, LTD. (8)
4,493,037 Retail terminal 13 1981
4,646,235 Computer network having a host-local file I/O operation 21 1983
5,043,871 Method and apparatus for database update/recovery 133 1987
5,018,196 Method for electronic transaction with digital signature 131 1989
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SOVERAIN SOFTWARE LLC (8)
5,715,314 Network sales system 1210 1994
5,708,780 Internet server access control and monitoring systems 1060 1995
5,812,776 Method of providing internet pages by mapping telephone number provided by client to URL and returning the same in a redirect command by server 427 1995
5,724,424 Digital active advertising 997 1995
6,049,785 Open network payment system for providing for authentication of payment orders based on a confirmation electronic mail message 164 1998
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6,199,051 Digital active advertising 48 1998
6,205,437 Open network payment system for providing for real-time authorization of payment and purchase transactions 164 1998
 
FRAUD CONTROL SYSTEMS.COM CORPORATION (7)
5,802,156 Method for billing and controlling fraud in providing pay information services 26 1996
5,933,480 Method for billing and controlling fraud in providing pay information services 24 1997
6,282,276 Method of billing a value-added call 77 2000
6,553,108 Method of billing a communication session conducted over a computer network 52 2000
7,340,045 Method of billing a communication session conducted over a computer network 13 2006
2009/0048,975 Method Of Billing A Purchase Made Over A Computer Network 12 2008
2009/0049,529 Method Of Billing A Purchase Made Over A Computer Network 12 2008
 
FUJITSU LIMITED (7)
4,841,442 POS system for updating look-up table 31 1985
4,855,908 POS system 41 1985
4,788,418 Automatic transaction machine 5 1987
5,204,939 Rule base processing system and rule evaluation control method therein 41 1990
5,438,356 Accounting system for multimedia communications system 35 1993
5,574,785 Enciphered communication system 26 1994
5,581,522 Library apparatus having accessor with bar code reader which rotates at a different horizontal position when reading a bar code failed at a first position 23 1995
 
XEROX CORPORATION (7)
4,558,413 Software version management system 870 1983
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4,937,036 Concurrent display of data from two different display processors and user interface therefore 97 1988
4,906,991 Textual substitution data compression with finite length search windows 115 1988
4,939,507 Virtual and emulated objects for use in the user interface of a display screen of a display processor 227 1988
5,442,778 Scatter-gather: a cluster-based method and apparatus for browsing large document collections 172 1991
5,826,244 Method and system for providing a document service over a computer network using an automated brokered auction 541 1995
 
FACEBOOK, INC. (6)
5,757,669 Method and apparatus for workgroup information replication 121 1995
5,657,390 Secure socket layer application program apparatus and method 342 1995
5,671,279 Electronic commerce using a secure courier system 595 1995
5,864,852 Proxy server caching mechanism that provides a file directory structure and a mapping mechanism within the file directory structure 145 1996
5,825,890 Secure socket layer application program apparatus and method 200 1997
5,826,242 Method of on-line shopping utilizing persistent client state in a hypertext transfer protocol based client-server system 318 1997
 
KABUSHIKI KAISHA TOSHIBA (6)
4,788,637 Communication control apparatus 72 1986
4,817,050 Database system 159 1986
D313401 Data entry terminal 112 1988
5,017,766 Portable electronic apparatus capable of confirming validity of transaction data 55 1988
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5,651,101 Knowledge base system for setting attribute value derivation data independently from attribute value derivation procedure and shared data management apparatus for selectively locking attribute 10 1995
 
MicroBilt Corporation (6)
D338876 Data card transaction terminal 21 1991
5,466,920 Real time decoding for card transaction terminal 55 1991
D348440 Data card transaction terminal 12 1993
5,362,952 Card transaction terminal 24 1993
5,426,286 Card transaction terminal 32 1993
D359951 Multireader transaction terminal 17 1994
 
VISA INTERNATIONAL SERVICE ASSOCIATION (6)
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 312 1986
4,812,628 Transaction system with off-line risk assessment 390 1987
4,947,028 Automated order and payment system 671 1988
5,175,416 Funds transfer system 370 1991
5,465,206 Electronic bill pay system 763 1993
5,703,344 Electronic funds confirmation at point of transaction 327 1995
 
CITIBANK, N.A. (5)
5,453,601 Electronic-monetary system 715 1991
5,557,518 Trusted agents for open electronic commerce 843 1994
5,455,407 Electronic-monetary system 414 1995
5,659,165 Customer-directed, automated process for transferring funds between accounts via a communications network 320 1995
5,642,419 Method for acquiring and revalidating an electronic credential 278 1995
 
GOOGLE INC. (5)
5,321,833 Adaptive ranking system for information retrieval 270 1990
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5,710,719 Apparatus and method for 2-dimensional data compression 33 1995
5,870,769 Internet access system and method with active link status indicators 64 1997
 
INTEL CORPORATION (5)
4,407,016 Microprocessor providing an interface between a peripheral subsystem and an object-oriented data processor 81 1981
5,771,355 Transmitting electronic mail by either reference or value at file-replication points to minimize costs 154 1995
5,867,659 Method and apparatus for monitoring events in a system 28 1996
5,809,250 Methods for creating and sharing replayable modules representive of Web browsing session 288 1996
5,873,100 Internet browser that includes an enhanced cache for user-controlled document retention 61 1996
 
INTERTECH HOLDINGS, LLC (5)
4,745,468 System for evaluation and recording of responses to broadcast transmissions 406 1986
4,876,592 System for merchandising and the evaluation of responses to broadcast transmissions 409 1988
4,926,255 System for evaluation of response to broadcast transmissions 422 1988
5,034,807 System for evaluation and rewarding of responses and predictions 546 1989
5,057,915 System and method for attracting shoppers to sales outlets 381 1990
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (5)
5,255,309 Telephonic-interface statistical analysis system 84 1991
5,297,197 Multiple party telephone control system 61 1992
5,828,734 Telephone interface call processing system with call selectivity 84 1993
5,561,707 Telephonic-interface statistical analysis system 131 1993
5,442,688 Multiple party telephone control system 59 1994
 
TOUCH TECHNOLOGIES, INC. (5)
5,577,121 Transaction system for integrated circuit cards 214 1994
5,559,887 Collection of value from stored value systems 159 1994
5,596,642 Network settlement performed on consolidated information 73 1994
5,633,930 Common cryptographic key verification in a transaction network 71 1994
5,596,643 Network settlement performed on consolidated information 49 1996
 
AT&T IPM CORP. (4)
5,450,477 Monitoring of charges debited to an account having an assigned limit 156 1993
5,510,777 Method for secure access control 105 1993
5,459,304 Smart card techniques for motor vehicle record administration 234 1994
5,481,600 Instant calling card provisioning system 27 1995
 
Bell Telephone Laboratories, Incorporated (4)
4,590,470 User authentication system employing encryption functions 93 1983
4,837,798 Communication system having unified messaging 609 1986
4,850,007 Telephone toll service with advertising 286 1987
4,875,206 High bandwidth interleaved buffer memory and control 68 1988
 
FAIR ISAAC CORPORATION (4)
5,317,507 Method for document retrieval and for word sense disambiguation using neural networks 221 1990
5,745,654 Fast explanations of scored observations 67 1996
5,794,178 Visualization of information using graphical representations of context vector based relationships and attributes 372 1996
5,884,289 Debit card fraud detection and control system 96 1996
 
HNC, Inc. (4)
5,325,298 Methods for generating or revising context vectors for a plurality of word stems 258 1991
5,398,300 Neural network having expert system functionality 86 1991
5,819,226 Fraud detection using predictive modeling 288 1992
5,619,709 System and method of context vector generation and retrieval 449 1995
 
National Bancard Corporation (4)
5,334,823 Systems and methods for operating data card terminals for transaction chargeback protection 66 1992
5,428,210 Data card terminal with embossed character reader and signature capture 24 1992
5,386,458 Systems and methods for operating data card terminals for transaction authorization 27 1993
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 76 1994
 
ONTARIO SYSTEMS, LLC (4)
5,504,677 Automated payment system 294 1992
5,727,249 Automated payment system and method 237 1996
5,966,698 Automated payment system and method 201 1996
6,041,315 Automated payment system and method 220 1997
 
RAKUTEN, INC. (4)
5,455,953 Authorization system for obtaining in single step both identification and access rights of client to server directly from encrypted authorization ticket 410 1993
5,745,556 Interactive and information data services telephone billing system 193 1995
5,673,322 System and method for providing protocol translation and filtering to access the world wide web from wireless or low-bandwidth networks 633 1996
5,963,625 Method for providing called service provider control of caller access to pay services 110 1996
 
ROGERS CORPORATION (4)
4,245,138 Tactile element and keyboard including the tactile element 18 1978
4,322,587 Keyboard device 24 1979
4,307,268 Tactile element and keyboard including the tactile element 37 1980
4,314,116 Keyboard switch with graphic overlay 20 1980
 
SAMSUNG ELECTRONICS CO., LTD. (4)
5,103,498 Intelligent help system 123 1990
5,773,804 Electronic passbook system using electronic passbook card and method of using the same therein 14 1995
5,801,700 System and method for an iconic drag and drop interface for electronic file transfer 113 1996
5,784,221 Hub lock releasing device of tape recorder 2 1997
 
APPLE INC. (3)
5,267,334 Encoding/decoding moving images with forward and backward keyframes for forward and reverse display 306 1993
5,500,929 System for browsing a network resource book with tabs attached to pages 159 1993
5,623,652 Method and apparatus for searching for information in a network and for controlling the display of searchable information on display devices in the network 178 1994
 
CANON KABUSHIKI KAISHA (3)
5,128,985 Communication system having a plurality of voice communication terminals and a data communication terminal 19 1990
5,778,398 Document processing to permit sharing of content by plural documents 57 1994
5,572,677 Method and apparatus for conversing over a network 17 1994
 
CITICORP (3)
5,420,926 Anonymous credit card transactions 158 1994
5,485,510 Secure credit/debit card authorization 402 1994
5,914,472 Credit card spending authorization control system 469 1997
 
David Felger (3)
2003/0195,846 Method of billing a purchase made over a computer network 12 2003
2003/0195,847 Method of billing a purchase made over a computer network 14 2003
2003/0195,848 Method of billing a purchase made over a computer network 26 2003
 
Dell USA, L.P. (3)
5,511,180 Method and circuit for determining the size of a cache memory 19 1993
5,497,458 Cache testability circuit for embedded diagnostics 21 1993
5,524,208 Method and apparatus for performing cache snoop testing using DMA cycles in a computer system 28 1994
 
Laurel Bank Machine Co., Ltd. (3)
4,251,867 Money exchanger apparatus 57 1979
4,321,671 Bank note dispensing method and apparatus 18 1979
4,322,796 Register apparatus 12 1980
 
LUCENT TECHNOLOGIES INC. (3)
5,003,595 Secure dial access to computer systems 187 1989
5,680,552 Gateway system for interconnecting different data communication networks 77 1994
5,696,898 System and method for database access control 264 1995
 
MATSUSHITA ELECTRIC INDUSTRIAL CO., LTD. (3)
4,381,500 Keyboard apparatus 12 1981
4,843,547 Cash register with a multi-window display 20 1986
5,584,003 Control systems having an address conversion device for controlling a cache memory and a cache tag memory 9 1995
 
NIELSEN MEDIA RESEARCH, INC. (3)
4,630,108 Preprogrammed over-the-air marketing research system 205 1984
4,805,020 Television program transmission verification method and apparatus 359 1987
4,967,273 Television program transmission verification method and apparatus 327 1989
 
ORACLE INTERNATIONAL CORPORATION (3)
5,412,804 Extending the semantics of the outer join operator for un-nesting queries to a data base 176 1992
5,341,478 Methods and apparatus for providing dynamic invocation of applications in a distributed heterogeneous environment 323 1993
5,835,762 Method and apparatus for processing electronic mail in parallel 23 1997
 
RESPONSE REWARDS SYSTEMS, L.C. (3)
5,128,752 System and method for generating and redeeming tokens 655 1990
5,283,734 System and method of communication with authenticated wagering participation 417 1991
5,227,874 Method for measuring the effectiveness of stimuli on decisions of shoppers 675 1991
 
SBC PROPERTIES, L.P. (3)
6,327,352 System and method for real-time fraud detection within a telecommunications system 23 1997
6,567,511 System and method for real-time fraud detection within a telecommunications system 14 2001
7,058,166 System and method for real-time fraud detection within a telecommunications system 3 2003
 
THE BOARD OF TRUSTEES OF THE LELAND STANFORD JUNIOR UNIVERSITY (3)
4,200,770 Cryptographic apparatus and method 792 1977
4,218,582 Public key cryptographic apparatus and method 499 1977
4,424,414 Exponentiation cryptographic apparatus and method 325 1978
 
TTI INVENTIONS C LLC (3)
5,245,656 Security method for private information delivery and filtering in public networks 115 1992
5,283,829 System and method for paying bills electronically 463 1992
5,794,053 Method and system for dynamic interface contract creation 9 1996
 
Advance Promotion Technologies, Inc. (2)
4,825,045 System and method for checkout counter product promotion 222 1986
4,833,308 Checkout counter product promotion system and method 313 1986
 
ADVANCED MICRO DEVICES, INC. (2)
4,785,393 32-Bit extended function arithmetic-logic unit on a single chip 120 1984
4,868,735 Interruptible structured microprogrammed sixteen-bit address sequence controller 39 1989
 
ALCATEL N.V. (2)
5,210,794 Apparatus and method for establishing crypto conferences on a telecommunications network 40 1990
5,297,189 Wireless telephone service subscription data user access method 83 1991
 
AMAZON.COM, INC. (2)
5,727,163 Secure method for communicating credit card data when placing an order on a non-secure network 368 1995
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 562 1995
 
Amper, S.A. (2)
D327472 Transaction and authorization terminal 3 1989
D327877 Terminal for authorizations and electronic transfers of funds 11 1989
 
ASPECT SOFTWARE, INC. (2)
5,164,981 Voice response system with automated data transfer 97 1990
5,214,688 Method and apparatus for dynamic and interdependent processing of inbound calls and outbound calls 154 1990
 
BULL S.A. (2)
5,214,700 Method for obtaining a securitized cleartext attestation in a distributed data processing system environment 95 1991
5,537,546 High-level adaptable bidirectional protocol for use between a hypermedia system and a plurality of editors 81 1995
 
CELLCO PARTNERSHIP D/B/A VERIZON WIRELESS (2)
5,555,551 Method and apparatus for fraud control in cellular telephone systems 77 1995
5,950,121 Method and apparatus for fraud control in cellular telephone systems 27 1996
 
CHECKFREE CORPORATION (2)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 623 1991
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 329 1995
 
CIDCO COMMUNICATIONS CORPORATION (2)
D405447 Telephone set 30 1997
D397112 Telephone set 14 1997
 
CISCO TECHNOLOGY, INC. (2)
5,544,322 System and method for policy-based inter-realm authentication within a distributed processing system 269 1994
5,867,667 Publication network control system using domain and client side communications resource locator lists for managing information communications between the domain server and publication servers 130 1997
 
COMPUTER ASSOCIATES THINK, INC. (2)
5,819,089 Portable and dynamic distributed transaction management method 28 1996
5,838,920 Method and apparatus for identifying transactions 86 1997
 
CTBA Associates (2)
4,546,382 Television and market research data collection system and method 321 1983
4,658,290 Television and market research data collection system and method 213 1984
 
ENERGY, UNITED STATES DEPARTMENT OF (2)
4,880,493 Electronic-carrier-controlled photochemical etching process in semiconductor device fabrication 59 1988
5,544,320 Remote information service access system based on a client-server-service model 342 1995
 
FDR INTERACTIVE TECHNOLOGIES (2)
4,792,968 Statistical analysis system for use with public communication facility 195 1987
4,939,773 Multiple party telephone control system 165 1989
 
GEMINI PSYCHICS, INC. (2)
5,960,069 Method of billing a multiple service representative conference call 37 1996
5,894,510 Multiple service representative conferencing apparatus and method 13 1997
 
Glory Kogyo Kabushiki Kaisha (2)
4,188,962 Money dispensation control device 14 1978
4,594,664 Cash processing method and system 100 1982
 
GOEKEN GROUP CORP. (2)
5,617,474 Telephone handset having a latch-receiving opening in an enlarged inlet opening of a card-receiving slot 62 1990
5,173,936 Telephone handset holder assembly 25 1990
 
HUGHES ELECTRONICS CORPORATION (2)
5,442,342 Distributed user authentication protocol 76 1993
5,434,918 Method for providing mutual authentication of a user and a server on a network 135 1993
 
INGENIO LLC (2)
6,636,590 Apparatus and method for specifying and obtaining services through voice commands 97 2000
6,549,889 Assistance method and apparatus 55 2001
 
INTER*ACT SYSTEMS, INCORPORATED (2)
4,982,346 Mall promotion network apparatus and method 341 1988
5,201,010 Method and system for building a database and performing marketing based upon prior shopping history 386 1992
 
International Computers Limited (2)
5,428,791 Configuration mechanism for a computer system having generic user interface and component-specific builder modules 34 1994
5,548,760 Message handler 21 1995
 
JOAO BOCK TRANSACTION SYSTEMS, LLC (2)
5,878,337 Transaction security apparatus and method 231 1997
6,047,270 Apparatus and method for providing account security 105 1997
 
Keycom Electronic Publishing (2)
4,768,144 Method and apparatus for retrieving information distributed over nonconsecutive pages 129 1986
4,935,870 Apparatus for downloading macro programs and executing a downloaded macro program responding to activation of a single key 266 1988
 
LENOVO (SINGAPORE) PTE LTD. (2)
4,295,039 Method and apparatus for achieving secure password verification 78 1979
5,778,377 Table driven graphical user interface 265 1994
 
MASTERCARD INTERNATIONAL INCORPORATED (2)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 483 1988
5,704,046 System and method for conducting cashless transactions 313 1996
 
MONDEX INTERNATIONAL LIMITED (2)
5,440,634 Value transfer system 215 1993
5,623,547 Value transfer system 145 1995
 
MOTOROLA MOBILITY LLC (2)
5,627,892 Data security scheme for point-to-point communication sessions 42 1995
5,834,756 Magnetically communicative card 220 1996
 
MYPOINTS.COM INC. (2)
5,794,210 Attention brokerage 1235 1995
5,855,008 Attention brokerage 502 1997
 
OPSEC SECURITY GROUP, INC. (2)
5,336,871 Holographic enhancement of card security 110 1992
5,786,587 Enhancement of chip card security 121 1996
 
PASS TECHNOLOGIES, INC. (2)
4,906,828 Electronic money purse and fund transfer system 162 1988
4,859,837 Portable data carrier incorporating manually presettable processing modes 142 1988
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,974,878 Financial data processing system using payment coupons 181 1988
4,948,174 Financial data processing system 286 1989
 
PAYPAL INTERNATIONAL LIMITED (2)
5,870,473 Electronic transfer system and method 181 1995
5,897,621 System and method for multi-currency transactions 213 1996
 
RIDDELL, H. GEORGE (2)
5,103,476 Secure system for activating personal computer software at remote locations 434 1990
5,222,134 Secure system for activating personal computer software at remote locations 462 1991
 
SCIENTIFIC-ATLANTA, INC. (2)
5,077,607 Cable television transaction terminal 284 1989
5,247,357 Image compression method and apparatus employing distortion adaptive tree search vector quantization with avoidance of transmission of redundant image data 59 1991
 
SINGAPORE COMPUTER SYSTEMS LIMITED (2)
5,701,466 Apparatus and method for end user queries 28 1994
5,749,079 End user query facility including a query connectivity driver 90 1995
 
Sperry Corporation (2)
4,464,650 Apparatus and method for compressing data signals and restoring the compressed data signals 200 1981
4,558,302 High speed data compression and decompression apparatus and method 285 1983
 
STEVEN M. HOFFBERG 2004-1 GRAT (2)
2006/0200,258 Vehicular information system and method 3 2006
2006/0200,258 Vehicular information system and method 3 2006
 
TELECHECK INTERNATIONAL, INC. (2)
5,679,938 Methods and systems for interactive check authorizations 288 1994
5,679,940 Transaction system with on/off line risk assessment 349 1995
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (2)
5,218,632 Flexible call detail recording system 89 1991
5,887,249 Method and apparatus for remotely establishing a cellular service account for a cellular radiotelephone 89 1996
 
THE NIELSEN COMPANY (US), LLC (2)
4,972,504 Marketing research system and method for obtaining retail data on a real time basis 324 1990
5,796,952 Method and apparatus for tracking client interaction with a network resource and creating client profiles and resource database 1062 1997
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (2)
5,613,783 Point of sale printer with magnetic reader 16 1995
5,634,729 Magnetic reader with a flexible pressure film pressure pad 9 1996
 
TTI INVENTIONS A LLC (2)
5,583,996 Method and system for shortcut routing over public data networks 62 1993
5,353,283 General internet method for routing packets in a communications network 208 1993
 
U.S. Philips Corporation (2)
4,962,531 Transaction system comprising one or more host exchanges and a number of distributed terminal stations 45 1988
4,922,521 System for providing secure telecommunication access to a computer 67 1989
 
UNISYS CORPORATION (2)
4,818,854 Ticket vending machine 70 1986
5,404,508 Data base backup and recovery system and method 201 1992
 
UNITED STATES ADVANCE NETWORK, INC. (2)
5,335,266 Automated telecommunication peripheral system 38 1992
5,355,403 Customized, billing-controlled call bridging system 85 1992
 
V-ONE CORPORATION (2)
5,590,197 Electronic payment system and method 811 1995
5,602,918 Application level security system and method 296 1995
 
WAVE SYSTEMS CORP. (2)
5,247,575 Information distribution system 841 1992
5,351,293 System method and apparatus for authenticating an encrypted signal 214 1993
 
WEST SERVICES, INC. (2)
5,265,065 Method and apparatus for information retrieval from a database by replacing domain specific stemmed phases in a natural language to create a search query 340 1991
5,488,725 System of document representation retrieval by successive iterated probability sampling 304 1993
 
ABB AUTOMATION INC. (1)
5,847,957 Web access for a manufacturing execution system 97 1997
 
ACCENTURE GLOBAL SERVICES LIMITED (1)
5,270,921 Virtual fare methods for a computerized airline seat inventory control system 138 1991
 
ADAPTIVE COMPUTER TECHNOLOGIES, A CORP. OF CA. (1)
4,730,348 Adaptive data compression system 159 1986
 
Adata Software Limited (1)
4,841,441 Method of creating a computer system 53 1985
 
ADVENT IP LLC (1)
5,347,576 Line interface unit retrofit circuit 16 1991
 
AGROTEAM CONSULTANTS LTD. (1)
5,621,797 Electronic ticket presentation and transfer method 320 1995
 
ALCATEL-LUCENT USA INC. (1)
5,758,029 Formal trust building in the execution of partially trusted behaviors 13 1996
 
ALGORITHMIC RESEARCH LTD. (1)
4,964,164 RSA computation method for efficient batch processing 37 1989
 
ALIBABA GROUP HOLDING LIMITED (1)
5,875,296 Distributed file system web server user authentication with cookies 429 1997
 
Allsoft Distributing Incorporated (1)
5,825,881 Public network merchandising system 220 1996
 
ALPHANET HOSPITALITY SYSTEMS INC. (1)
4,713,837 Communication network 203 1985
 
ALTAITE COMMUNICATIONS, LLC (1)
5,719,928 Apparatus and method for automated audio teleconferencing having enhanced billing and reservation features 53 1995
 
ALTERA CORPORATION (1)
5,893,088 System and method for performing database query using a marker table 22 1996
 
AMERICAN BANK NOTE HOLDING, INC. (1)
5,432,329 Automated holographic optical recognition and decoding system for verification 79 1992
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (1)
5,331,546 Trip planner optimizing travel itinerary selection conforming to individualized travel policies 166 1991
 
AMERICAN GREETINGS CORPORATION (1)
5,875,110 Method and system for vending products 166 1995
 
AMERICAN TEL-A-SYSTEMS, INC. (1)
5,469,491 Telephone answering service with integrated voice and textual message storage 37 1994
 
AOL INC. (1)
5,870,552 Method and apparatus for publishing hypermedia documents over wide area networks 246 1995
 
APPLE COMPUTER, INC. (1)
5,559,925 Determining the useability of input signals in a data recognition system 13 1994
 
ARIGERN CAPITAL L.L.C. (1)
5,546,523 Electronic fund transfer system 249 1995
 
ARTISOFT, INC. (1)
5,465,291 Apparatus for ordering from remote locations 180 1995
 
ASCOM AUTELCA AG (1)
5,478,993 Process as safety concept against unauthorized use of a payment instrument in cashless payment at payment sites 51 1994
 
ASPECT COMMUNICATIONS CORPORATION (1)
5,309,504 Automated identification of attendant positions in a telecommunication system 90 1991
 
ASSA ABLOY AB (1)
5,420,927 Method for certifying public keys in a digital signature scheme 132 1994
 
ASSOCIATES COMMERCE SOLUTIONS, INC. (1)
5,231,569 Account transaction system 263 1990
 
AT HOME BONDHOLDERS' LIQUIDATING TRUST (1)
5,577,241 Information retrieval system and method with implementation extensible query architecture 142 1994
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
5,794,221 Internet billing method 359 1995
 
AT&T INTELLECTUAL PROPERTY II, L.P. (1)
5,809,492 Apparatus and method for defining rules for personal agents 24 1996
 
AUDIOFAX, INC. (1)
5,404,231 Sender-based facsimile store and forward facility 201 1993
 
Auto-Register, Inc. (1)
4,441,160 Point of sale terminal having prompting display 41 1981
 
AUTOSCRIBE CORPORATION (1)
7,117,171 System and method for making a payment from a financial account 16 2000
 
Autostamp Institution Limited (1)
4,843,560 Cost counter with a cost meter capable of reading stored data 5 1986
 
AVAT CONSULTING L.L.C. (1)
5,438,615 Method of providing message service for pinless limited access telecommunications 65 1994
 
AVAYA INC. (1)
5,475,747 Telephone terminal controlled conference inspection 31 1994
 
AVAYA TECHNOLOGY CORP. (1)
4,734,931 Integrated calling directory 110 1986
 
AVID TECHNOLOGY (1)
5,267,351 Media storage and retrieval system 145 1989
 
AXXS Technologies Corporation (1)
5,812,765 Multi-media remote data access terminals and system 95 1996
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
4,935,956 Automated public phone control for charge and collect billing 257 1989
 
BANYAN SYSTEMS, INC. (1)
5,555,346 Event-driven rule-based messaging system 174 1993
 
BELL COMMUNICATIONS RESEARCH, INC. (1)
4,751,635 Distributed management support system for software managers 160 1986
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
5,970,477 Method and system for allocating costs in a distributed computing network 173 1996
 
BMC RESOURCES, INC. (1)
5,652,786 Automated interactive bill payment system 268 1996
 
Book Data, Ltd. (1)
4,970,681 Method and apparatus for correlating data 48 1987
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1428 1995
 
BTG INTERNATIONAL INC. (1)
5,822,731 Adjusting a hidden Markov model tagger for sentence fragments 64 1995
 
Bull HN Information Systems Inc. (1)
5,274,824 Keyring metaphor for user's security keys on a distributed multiprocess data system 40 1991
 
Bullock Communications, Inc. (1)
5,351,186 System and method for obtaining information concerning a product or a service 220 1991
 
C-SAM, INC. (1)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 690 1994
 
C.P.C., INVESTMENT TRUST (1)
4,791,281 Encoding and decoding system 144 1986
 
Call Processing, Inc. (1)
5,721,768 Pre-paid card system and method 313 1996
 
CALLMANAGE, LTD. (1)
5,799,072 Telecommunications call management system 192 1996
 
CALOF, LAWRENCE, AGENT FOR NOLAN K. BUSHNELL (1)
4,602,279 Method for providing targeted profile interactive CATV displays 511 1984
 
CANTOR FIRZGERALD SECURITIES (1)
4,949,248 System for shared remote access of multiple application programs executing in one or more computers 261 1988
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
5,744,787 System and method for retail 137 1995
 
CARREKER CORPORATION (1)
5,237,159 Electronic check presentment system 305 1991
 
CASIO COMMUNICATIONS, INC. (1)
D404732 Telephone with display 11 1997
 
CATALINA MARKETING INTERNATIONAL, A DE CORP. (1)
4,910,672 Method and apparatus for dispensing discount coupons 488 1987
 
CATERPILLAR INC. (1)
5,724,242 Method for producing production control software for a natural gas engine controller 9 1995
 
CHA! TECHNOLOGIES SERVICES, INC. (1)
5,903,721 Method and system for secure online transaction processing 406 1997
 
Charles E. Hill & Associates, Inc. (1)
5,761,649 Method for updating a remote computer 136 1995
 
CHECK POINT SOFTWARE TECHNOLOGIES LTD. (1)
5,835,726 System for securing the flow of and selectively modifying packets in a computer network 460 1996
 
CHURCHILL FINANCIAL LLC (1)
4,775,936 Overbooking system 71 1986
 
CITICORP DEVELOPMENT CENTER, INC. (1)
5,485,370 Home services delivery system with intelligent terminal emulator 237 1993
 
CITIGROUP GLOBAL MARKETS, INC. (1)
5,787,402 Method and system for performing automated financial transactions involving foreign currencies 363 1996
 
ClinCom Incorporated (1)
4,835,372 Patient care system 572 1987
 
Cochran; Nancy P. (1)
4,879,648 Search system which continuously displays search terms during scrolling and selections of individually displayed data sets 75 1986
 
Codart, Inc. (1)
4,598,288 Apparatus for controlling the reception of transmitted programs 279 1983
 
CODEGEAR LLC (1)
5,557,730 Symbol browsing and filter switches in an object-oriented development system 68 1995
 
Commercial Modular Systems, Inc. (1)
4,497,261 Security enclosure for an automatic teller machine 62 1983
 
Commonweal Incorporated (1)
5,687,323 Dual currency debit card 51 1996
 
COMSAT CORPORATION (1)
4,776,540 Method of orienting a synchronous satellite 20 1987
 
COMTREX SYSTEMS CORPORATION (1)
4,231,511 Waiter/table control for electronic cash registers 9 1979
 
CONVERGYS CUSTOMER MANAGEMENT DELAWARE LLC (1)
5,867,562 Call processing system with call screening 216 1996
 
COOPER UNION FOR THE ADVANCEMENT OF SCIENCE AND ART (1)
5,678,041 System and method for restricting user access rights on the internet based on rating information stored in a relational database 533 1995
 
CP8 TECHNOLOGIES (1)
4,683,553 Method and device for protecting software delivered to a user by a supplier 210 1986
 
CREDIT CARD FRAUD CONTROL CORPORATION (1)
7,013,001 Method of billing a communication session conducted over a computer network 35 2002
 
CSG SYSTEMS, INC. (1)
5,826,270 Methods and systems for client or customer-site transaction processing in a distributed database system 71 1995
 
Cubic Western Data (1)
4,449,186 Touch panel passenger self-ticketing system 261 1981
 
CURRENCY SCIENTIFIC, INC. (1)
4,305,059 Modular funds transfer system 189 1980
 
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 291 1993
 
CYBERSOURCE CORPORATION (1)
7,096,192 Method and system for detecting fraud in a credit card transaction over a computer network 26 1999
 
DA CAPITAL FUND LIMITED LIABILITY COMPANY (1)
5,727,159 System in which a Proxy-Server translates information received from the Internet into a form/format readily usable by low power portable computers 410 1996
 
DASSAULT ELECTRONIQUE (1)
5,030,806 Transaction system of the electronic purse type 45 1990
 
DATABURST, L.L.C. (1)
5,007,084 Payment Authorization and Information Device 109 1988
 
Datapoint Corporation (1)
4,941,089 Input/output network for computer system 157 1986
 
Debitek, Inc. (1)
4,669,596 Vending machine accessory permitting dual mode machine operation with either money or coded cards 135 1985
 
DETHLOFF, JUERGEN (1)
4,968,873 Smart card issuing and receiving apparatus 333 1989
 
DIGITAL RIVER, INC. (1)
2005/0154,676 Electronic commerce system method for detecting fraud 11 2005
 
DISNEY ENTERPRISES, INC. (1)
5,091,849 Computer image production system utilizing first and second networks for separately transferring control information and digital image data 44 1991
 
DOWLEN, JOHN E. (1)
5,336,870 System for remote purchase payment transactions and remote bill payments 272 1992
 
EASTMAN KODAK COMPANY (1)
5,321,751 Method and apparatus for credit card verification 195 1993
 
EC CORPORATION (1)
5,283,731 Computer-based classified ad system and method 588 1992
 
EDIFY CORPORATION (1)
5,455,903 Object oriented customer information exchange system and method 124 1991
 
EDWARDS, DAVID (1)
4,255,697 Cash register power supply system 16 1980
 
ELECTRONIC DATA SYSTEMS CORPORATION (1)
5,838,911 Method and apparatus for obtaining network information by using a dynamic link library 13 1996
 
Electronic Management Support, Inc. (1)
4,237,483 Surveillance system 47 1979
 
ELECTRONIC PUBLISHING RESOURCES, INC. (1)
4,827,508 Database usage metering and protection system and method 921 1985
 
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ROSEMOUNT INC. (1)
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SCIENCE DYNAMICS CORPORATION (1)
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4,694,408 Apparatus for testing auto electronics systems 108 1986
 
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Other [Check patent profile for assignment information] (43)
4,254,441 Digital code reader 32 1979
4,320,387 Information communicating apparatus and method 50 1979
4,415,065 Restaurant or retail vending facility 252 1980
4,412,306 System for minimizing space requirements for storage and transmission of digital signals 35 1981
4,439,636 Credit card actuated telecommunication access network 207 1982
4,491,934 Data compression process 36 1982
4,518,852 Method for operating automatic devices such as cash registers or the like and a device for carrying out the method 28 1982
4,553,222 Integrated interactive restaurant communication system for food and entertainment processing 333 1983
4,569,421 Restaurant or retail vending facility 247 1983
4,521,677 Product control system for supermarkets and the like 70 1983
4,567,359 Automatic information, goods and services dispensing system 482 1984
4,730,259 Matrix controlled expert system producible from examples 58 1985
4,675,515 Drive-through credit card payment device 82 1986
4,823,264 Electronic funds transfer system 568 1986
4,814,985 Sales limit indicator for an electronic cash register 24 1987
4,845,625 Flight bidding system or the like especially for airline personnel 105 1987
4,758,714 Point-of-sale mechanism 67 1987
4,999,806 Software distribution system 497 1987
4,977,502 Transit vehicle farebox for conducting multi-media transit fare transactions 42 1987
4,876,711 Series connected telephone service system 18 1987
5,016,274 On-line/off-line digital signing 205 1988
4,931,928 Apparatus for analyzing source code 91 1988
5,053,607 Point-of-sale device particularly adapted for processing checks 350 1989
5,253,165 Computerized reservations and scheduling system 276 1990
5,224,164 Method and apparatus for transliterating messages 40 1991
5,254,843 Securing magnetically encoded data using timing variations in encoded data 76 1991
5,148,474 Interactive value-added telecommunications system and method 133 1991
5,341,414 Calling number verification service 141 1992
5,452,352 Automatic dialing system 50 1992
5,287,181 Electronic redeemable coupon system and television 391 1992
5,267,314 Secure transaction system and method utilized therein 108 1992
5,343,529 Transaction authentication using a centrally generated transaction identifier 178 1993
5,337,360 Method and apparatus for creating, supporting, and using travelling programs 161 1994
5,524,142 Method and apparatus for the billing of value-added communication calls 49 1994
5,477,040 Structure for a method of facilitating charge transactions 244 1994
5,502,762 System and method for simultaneously controlling ringing at local and remote telephones 105 1994
5,479,510 Automated data card payment verification method 107 1994
5,706,452 Method and apparatus for structuring and managing the participatory evaluation of documents by a plurality of reviewers 176 1995
5,829,002 System for coordinating information transfer and retrieval 19 1995
5,845,261 Interactive multi-media presentation and marketing apparatus 74 1996
5,799,285 Secure system for electronic selling 345 1996
5,818,021 Method for identifying counterfeit negotiable instruments 42 1996
5,781,632 Method and apparatus for secured transmission of confidential data over an unsecured network 143 1997

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
BANK OF AMERICA CORPORATION (1)
8,666,893 Electronic funds transfer authentication system 0 2009
 
PLAYSPAN INC. (1)
8,571,937 Dynamic payment optimization apparatuses, methods and systems 1 2011
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
8,577,803 Virtual wallet card selection apparatuses, methods and systems 2 2012

Maintenance Fees

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3.5 Year Payment $1600.00 $800.00 $400.00 Jan 24, 2016
7.5 Year Payment $3600.00 $1800.00 $900.00 Jan 24, 2020
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jan 24, 2024
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