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 20 372

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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SHARP KABUSHIKI KAISHA (45)
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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 152 1995
5,577,118 Telephone-terminal combination with plural keyboards 58 1995
5,815,657 System, method and article of manufacture for network electronic authorization utilizing an authorization instrument 537 1996
6,016,484 System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment 318 1996
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 245 1996
5,850,446 System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture 311 1996
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CASIO COMPUTER CO., LTD. (19)
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4,424,566 Data processing apparatus with voice output 5 1981
4,502,119 Electronic register 10 1981
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4,424,567 Electronic cash register with timekeeper 17 1982
4,484,277 Electronic cash register having selective readout 16 1983
4,481,599 Voice data output device providing operator guidance in voice form 8 1983
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VERIFONE, INC. (19)
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D343413 Slip printer 8 1991
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AT&T CORP. (17)
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5,491,820 Distributed, intermittently connected, object-oriented database and management system 222 1994
5,553,239 Management facility for server entry and application utilization in a multi-node server configuration 186 1994
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5,875,236 Call handling method for credit and fraud management 122 1995
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5,778,173 Mechanism for enabling secure electronic transactions on the open internet 116 1996
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5,845,267 System and method for billing for transactions conducted over the internet from within an intranet 306 1996
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MICROSOFT CORPORATION (15)
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5,832,502 Conversation index builder 44 1996
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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 51 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 15 1988
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NCR CORPORATION (11)
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4,689,478 System for handling transactions including a portable personal terminal 268 1984
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4,722,054 Input system for POS terminal 142 1985
4,752,874 Cash drawer/operator identification 22 1986
4,751,641 Method and apparatus for storing data to facilitate price look-up 8 1986
4,833,609 ERC with operator prompting for entering quantity of selected multi-item packaged goods 28 1987
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5,555,309 Cryptographic key management apparatus and methods 23 1994
 
VERIZON PATENT AND LICENSING INC. (11)
5,247,347 PSTN architecture for video-on-demand services 820 1991
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5,410,343 Video-on-demand services using public switched telephone network 541 1993
5,535,276 Yaksha, an improved system and method for securing communications using split private key asymmetric cryptography 327 1994
5,506,887 Personal communications service using wireline/wireless integration 206 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 51 1996
6,292,478 Telecommunications system 95 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 281 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 96 1991
5,333,186 Telecommunication call billing method and apparatus 79 1991
5,276,444 Centralized security control system 181 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 58 1992
5,311,594 Fraud protection for card transactions 315 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 130 1989
5,404,506 Knowledge based information retrieval system 123 1992
5,452,448 Method of replicate file updating by monitoring file accesses and system therefor 78 1993
5,754,656 Electronic shopping method, electronic shopping system and document authenticating method relating thereto 43 1996
6,006,251 Service providing system for providing services suitable to an end user request based on characteristics of a request, attributes of a service and operating conditions of a processor 119 1997
 
SOVERAIN SOFTWARE LLC (8)
5,715,314 Network sales system 1177 1994
5,708,780 Internet server access control and monitoring systems 1046 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 424 1995
5,724,424 Digital active advertising 980 1995
6,049,785 Open network payment system for providing for authentication of payment orders based on a confirmation electronic mail message 160 1998
6,195,649 Digital active advertising 53 1998
6,199,051 Digital active advertising 45 1998
6,205,437 Open network payment system for providing for real-time authorization of payment and purchase transactions 161 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 23 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 30 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 40 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 854 1983
4,899,136 Data processor having a user interface display with metaphoric objects 290 1986
4,937,036 Concurrent display of data from two different display processors and user interface therefore 96 1988
4,906,991 Textual substitution data compression with finite length search windows 114 1988
4,939,507 Virtual and emulated objects for use in the user interface of a display screen of a display processor 216 1988
5,442,778 Scatter-gather: a cluster-based method and apparatus for browsing large document collections 171 1991
5,826,244 Method and system for providing a document service over a computer network using an automated brokered auction 522 1995
 
KABUSHIKI KAISHA TOSHIBA (6)
4,788,637 Communication control apparatus 71 1986
4,817,050 Database system 158 1986
D313401 Data entry terminal 111 1988
5,017,766 Portable electronic apparatus capable of confirming validity of transaction data 54 1988
5,276,829 Data processing system including cache memory for rapidly converting a logical address into a physical address using shared memory flag 12 1989
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 53 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
 
NEW AURORA CORPORATION (6)
5,757,669 Method and apparatus for workgroup information replication 119 1995
5,657,390 Secure socket layer application program apparatus and method 333 1995
5,671,279 Electronic commerce using a secure courier system 585 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 197 1997
5,826,242 Method of on-line shopping utilizing persistent client state in a hypertext transfer protocol based client-server system 314 1997
 
VISA INTERNATIONAL SERVICE ASSOCIATION (6)
4,766,293 Portable financial transaction card capable of authorizing a transaction in foreign currencies 308 1986
4,812,628 Transaction system with off-line risk assessment 376 1987
4,947,028 Automated order and payment system 660 1988
5,175,416 Funds transfer system 366 1991
5,465,206 Electronic bill pay system 749 1993
5,703,344 Electronic funds confirmation at point of transaction 317 1995
 
CITIBANK, N.A. (5)
5,453,601 Electronic-monetary system 701 1991
5,557,518 Trusted agents for open electronic commerce 826 1994
5,455,407 Electronic-monetary system 407 1995
5,659,165 Customer-directed, automated process for transferring funds between accounts via a communications network 312 1995
5,642,419 Method for acquiring and revalidating an electronic credential 272 1995
 
INTEL CORPORATION (5)
4,407,016 Microprocessor providing an interface between a peripheral subsystem and an object-oriented data processor 80 1981
5,771,355 Transmitting electronic mail by either reference or value at file-replication points to minimize costs 150 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 284 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 394 1986
4,876,592 System for merchandising and the evaluation of responses to broadcast transmissions 397 1988
4,926,255 System for evaluation of response to broadcast transmissions 412 1988
5,034,807 System for evaluation and rewarding of responses and predictions 532 1989
5,057,915 System and method for attracting shoppers to sales outlets 364 1990
 
RONALD A. KATZ TECHNOLOGY LICENSING, L.P. (5)
5,255,309 Telephonic-interface statistical analysis system 83 1991
5,297,197 Multiple party telephone control system 58 1992
5,828,734 Telephone interface call processing system with call selectivity 81 1993
5,561,707 Telephonic-interface statistical analysis system 131 1993
5,442,688 Multiple party telephone control system 56 1994
 
TOUCH TECHNOLOGIES, INC. (5)
5,577,121 Transaction system for integrated circuit cards 213 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 151 1993
5,510,777 Method for secure access control 103 1993
5,459,304 Smart card techniques for motor vehicle record administration 233 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 596 1986
4,850,007 Telephone toll service with advertising 276 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 212 1990
5,745,654 Fast explanations of scored observations 63 1996
5,794,178 Visualization of information using graphical representations of context vector based relationships and attributes 363 1996
5,884,289 Debit card fraud detection and control system 89 1996
 
GOOGLE INC. (4)
5,321,833 Adaptive ranking system for information retrieval 264 1990
5,235,642 Access control subsystem and method for distributed computer system using locally cached authentication credentials 415 1992
5,502,759 Apparatus and accompanying methods for preventing toll fraud through use of centralized caller voice verification 76 1993
5,870,769 Internet access system and method with active link status indicators 62 1997
 
HNC, Inc. (4)
5,325,298 Methods for generating or revising context vectors for a plurality of word stems 250 1991
5,398,300 Neural network having expert system functionality 85 1991
5,819,226 Fraud detection using predictive modeling 280 1992
5,619,709 System and method of context vector generation and retrieval 437 1995
 
LUCENT TECHNOLOGIES INC. (4)
5,003,595 Secure dial access to computer systems 185 1989
5,680,552 Gateway system for interconnecting different data communication networks 76 1994
5,696,898 System and method for database access control 258 1995
5,758,029 Formal trust building in the execution of partially trusted behaviors 13 1996
 
National Bancard Corporation (4)
5,334,823 Systems and methods for operating data card terminals for transaction chargeback protection 64 1992
5,428,210 Data card terminal with embossed character reader and signature capture 23 1992
5,386,458 Systems and methods for operating data card terminals for transaction authorization 25 1993
5,432,326 Systems and methods for operating data card terminals for transaction chargeback protection 73 1994
 
ONTARIO SYSTEMS, LLC (4)
5,504,677 Automated payment system 288 1992
5,727,249 Automated payment system and method 234 1996
5,966,698 Automated payment system and method 200 1996
6,041,315 Automated payment system and method 217 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 406 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 609 1996
5,963,625 Method for providing called service provider control of caller access to pay services 104 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 112 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 294 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 174 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 56 1994
5,572,677 Method and apparatus for conversing over a network 17 1994
 
CITICORP (3)
5,420,926 Anonymous credit card transactions 148 1994
5,485,510 Secure credit/debit card authorization 386 1994
5,914,472 Credit card spending authorization control system 452 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 22 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
 
DIGITAL RIVER, INC. (3)
2005/0154,676 Electronic commerce system method for detecting fraud 6 2005
2005/0154,676 Electronic commerce system method for detecting fraud 6 2005
2005/0154,676 Electronic commerce system method for detecting fraud 6 2005
 
Laurel Bank Machine Co., Ltd. (3)
4,251,867 Money exchanger apparatus 53 1979
4,321,671 Bank note dispensing method and apparatus 18 1979
4,322,796 Register apparatus 12 1980
 
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 199 1984
4,805,020 Television program transmission verification method and apparatus 348 1987
4,967,273 Television program transmission verification method and apparatus 316 1989
 
ORACLE INTERNATIONAL CORPORATION (3)
5,412,804 Extending the semantics of the outer join operator for un-nesting queries to a data base 171 1992
5,341,478 Methods and apparatus for providing dynamic invocation of applications in a distributed heterogeneous environment 319 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 637 1990
5,283,734 System and method of communication with authenticated wagering participation 404 1991
5,227,874 Method for measuring the effectiveness of stimuli on decisions of shoppers 649 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 766 1977
4,218,582 Public key cryptographic apparatus and method 496 1977
4,424,414 Exponentiation cryptographic apparatus and method 323 1978
 
TTI INVENTIONS C LLC (3)
5,245,656 Security method for private information delivery and filtering in public networks 111 1992
5,283,829 System and method for paying bills electronically 457 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 218 1986
4,833,308 Checkout counter product promotion system and method 307 1986
 
ADVANCED MICRO DEVICES, INC. (2)
4,785,393 32-Bit extended function arithmetic-logic unit on a single chip 118 1984
4,868,735 Interruptible structured microprogrammed sixteen-bit address sequence controller 38 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 347 1995
5,715,399 Secure method and system for communicating a list of credit card numbers over a non-secure network 537 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 94 1990
5,214,688 Method and apparatus for dynamic and interdependent processing of inbound calls and outbound calls 152 1990
 
BULL S.A. (2)
5,214,700 Method for obtaining a securitized cleartext attestation in a distributed data processing system environment 93 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 617 1991
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 322 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 268 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 128 1997
 
COMPUTER ASSOCIATES THINK, INC. (2)
5,819,089 Portable and dynamic distributed transaction management method 27 1996
5,838,920 Method and apparatus for identifying transactions 83 1997
 
CTBA Associates (2)
4,546,382 Television and market research data collection system and method 312 1983
4,658,290 Television and market research data collection system and method 204 1984
 
ENERGY, UNITED STATES DEPARTMENT OF (2)
4,880,493 Electronic-carrier-controlled photochemical etching process in semiconductor device fabrication 57 1988
5,544,320 Remote information service access system based on a client-server-service model 335 1995
 
FDR INTERACTIVE TECHNOLOGIES (2)
4,792,968 Statistical analysis system for use with public communication facility 187 1987
4,939,773 Multiple party telephone control system 158 1989
 
GEMINI PSYCHICS, INC. (2)
5,960,069 Method of billing a multiple service representative conference call 36 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 59 1990
5,173,936 Telephone handset holder assembly 25 1990
 
HUGHES ELECTRONICS CORPORATION (2)
5,442,342 Distributed user authentication protocol 73 1993
5,434,918 Method for providing mutual authentication of a user and a server on a network 134 1993
 
INGENIO LLC (2)
6,636,590 Apparatus and method for specifying and obtaining services through voice commands 92 2000
6,549,889 Assistance method and apparatus 52 2001
 
INTER*ACT SYSTEMS, INCORPORATED (2)
4,982,346 Mall promotion network apparatus and method 331 1988
5,201,010 Method and system for building a database and performing marketing based upon prior shopping history 370 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 20 1995
 
JOAO BOCK TRANSACTION SYSTEMS, LLC (2)
5,878,337 Transaction security apparatus and method 221 1997
6,047,270 Apparatus and method for providing account security 104 1997
 
Keycom Electronic Publishing (2)
4,768,144 Method and apparatus for retrieving information distributed over nonconsecutive pages 125 1986
4,935,870 Apparatus for downloading macro programs and executing a downloaded macro program responding to activation of a single key 257 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 260 1994
 
MASTERCARD INTERNATIONAL INCORPORATED (2)
4,961,142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 473 1988
5,704,046 System and method for conducting cashless transactions 309 1996
 
MONDEX INTERNATIONAL LIMITED (2)
5,440,634 Value transfer system 210 1993
5,623,547 Value transfer system 143 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 215 1996
 
MYPOINTS.COM INC. (2)
5,794,210 Attention brokerage 1186 1995
5,855,008 Attention brokerage 483 1997
 
OPSEC SECURITY GROUP, INC. (2)
5,336,871 Holographic enhancement of card security 110 1992
5,786,587 Enhancement of chip card security 118 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 139 1988
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,974,878 Financial data processing system using payment coupons 178 1988
4,948,174 Financial data processing system 283 1989
 
PAYPAL INTERNATIONAL LIMITED (2)
5,870,473 Electronic transfer system and method 172 1995
5,897,621 System and method for multi-currency transactions 206 1996
 
RIDDELL, H. GEORGE (2)
5,103,476 Secure system for activating personal computer software at remote locations 427 1990
5,222,134 Secure system for activating personal computer software at remote locations 452 1991
 
SCIENTIFIC-ATLANTA, INC. (2)
5,077,607 Cable television transaction terminal 276 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 85 1995
 
Sperry Corporation (2)
4,464,650 Apparatus and method for compressing data signals and restoring the compressed data signals 199 1981
4,558,302 High speed data compression and decompression apparatus and method 285 1983
 
TELECHECK INTERNATIONAL, INC. (2)
5,679,938 Methods and systems for interactive check authorizations 283 1994
5,679,940 Transaction system with on/off line risk assessment 336 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 320 1990
5,796,952 Method and apparatus for tracking client interaction with a network resource and creating client profiles and resource database 1038 1997
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (2)
5,613,783 Point of sale printer with magnetic reader 15 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 205 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 199 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 82 1992
 
V-ONE CORPORATION (2)
5,590,197 Electronic payment system and method 797 1995
5,602,918 Application level security system and method 291 1995
 
WAVE SYSTEMS CORP. (2)
5,247,575 Information distribution system 829 1992
5,351,293 System method and apparatus for authenticating an encrypted signal 210 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 335 1991
5,488,725 System of document representation retrieval by successive iterated probability sampling 299 1993
 
ABB AUTOMATION INC. (1)
5,847,957 Web access for a manufacturing execution system 95 1997
 
ACCENTURE GLOBAL SERVICES LIMITED (1)
5,270,921 Virtual fare methods for a computerized airline seat inventory control system 137 1991
 
ADAPTIVE COMPUTER TECHNOLOGIES, A CORP. OF CA. (1)
4,730,348 Adaptive data compression system 158 1986
 
Adata Software Limited (1)
4,841,441 Method of creating a computer system 52 1985
 
ADVENT IP LLC (1)
5,347,576 Line interface unit retrofit circuit 16 1991
 
AGILENT TECHNOLOGIES, INC. (1)
5,790,977 Data acquisition from a remote instrument via the internet 154 1997
 
AGROTEAM CONSULTANTS LTD. (1)
5,621,797 Electronic ticket presentation and transfer method 316 1995
 
AKAMAI TECHNOLOGIES, INC. (1)
2009/0132,648 CONTENT DELIVERY AND GLOBAL TRAFFIC MANAGEMENT NETWORK SYSTEM 25 2009
 
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 416 1997
 
Allsoft Distributing Incorporated (1)
5,825,881 Public network merchandising system 211 1996
 
ALPHANET HOSPITALITY SYSTEMS INC. (1)
4,713,837 Communication network 196 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 21 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 163 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 241 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 246 1995
 
ARTISOFT, INC. (1)
5,465,291 Apparatus for ordering from remote locations 177 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 49 1994
 
ASPECT COMMUNICATIONS CORPORATION (1)
5,309,504 Automated identification of attendant positions in a telecommunication system 86 1991
 
ASSA ABLOY AB (1)
5,420,927 Method for certifying public keys in a digital signature scheme 129 1994
 
ASSOCIATES COMMERCE SOLUTIONS, INC. (1)
5,231,569 Account transaction system 257 1990
 
AT HOME BONDHOLDERS' LIQUIDATING TRUST (1)
5,577,241 Information retrieval system and method with implementation extensible query architecture 138 1994
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
5,794,221 Internet billing method 353 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 196 1993
 
AURIQ SYSTEMS, INC. (1)
5,845,070 Security system for internet provider transaction 178 1996
 
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 141 1989
 
AXXS Technologies Corporation (1)
5,812,765 Multi-media remote data access terminals and system 94 1996
 
BANK ONE, DELAWARE, NATIONAL ASSOCIATION (1)
4,935,956 Automated public phone control for charge and collect billing 254 1989
 
BANYAN SYSTEMS, INC. (1)
5,555,346 Event-driven rule-based messaging system 172 1993
 
BELL COMMUNICATIONS RESEARCH, INC. (1)
4,751,635 Distributed management support system for software managers 159 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 265 1996
 
Book Data, Ltd. (1)
4,970,681 Method and apparatus for correlating data 47 1987
 
BRIGHT SUN TECHNOLOGIES (1)
5,710,719 Apparatus and method for 2-dimensional data compression 31 1995
 
BROADVISION, INC. (1)
5,710,887 Computer system and method for electronic commerce 1401 1995
 
BTG INTERNATIONAL INC. (1)
5,822,731 Adjusting a hidden Markov model tagger for sentence fragments 63 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 212 1991
 
C-SAM, INC. (1)
5,590,038 Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions 667 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 307 1996
 
CALLMANAGE, LTD. (1)
5,799,072 Telecommunications call management system 187 1996
 
CALOF, LAWRENCE, AGENT FOR NOLAN K. BUSHNELL (1)
4,602,279 Method for providing targeted profile interactive CATV displays 490 1984
 
CANTOR FIRZGERALD SECURITIES (1)
4,949,248 System for shared remote access of multiple application programs executing in one or more computers 260 1988
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
5,744,787 System and method for retail 133 1995
 
CARREKER CORPORATION (1)
5,237,159 Electronic check presentment system 300 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 476 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 391 1997
 
Charles E. Hill & Associates, Inc. (1)
5,761,649 Method for updating a remote computer 128 1995
 
CHECK POINT SOFTWARE TECHNOLOGIES LTD. (1)
5,835,726 System for securing the flow of and selectively modifying packets in a computer network 450 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 230 1993
 
CITIGROUP GLOBAL MARKETS, INC. (1)
5,787,402 Method and system for performing automated financial transactions involving foreign currencies 359 1996
 
ClinCom Incorporated (1)
4,835,372 Patient care system 568 1987
 
Cochran; Nancy P. (1)
4,879,648 Search system which continuously displays search terms during scrolling and selections of individually displayed data sets 74 1986
 
Codart, Inc. (1)
4,598,288 Apparatus for controlling the reception of transmitted programs 259 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 47 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 212 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 526 1995
 
CP8 TECHNOLOGIES (1)
4,683,553 Method and device for protecting software delivered to a user by a supplier 208 1986
 
CREDIT CARD FRAUD CONTROL CORPORATION (1)
7,013,001 Method of billing a communication session conducted over a computer network 34 2002
 
CSG SYSTEMS, INC. (1)
5,826,270 Methods and systems for client or customer-site transaction processing in a distributed database system 69 1995
 
Cubic Western Data (1)
4,449,186 Touch panel passenger self-ticketing system 258 1981
 
CURRENCY SCIENTIFIC, INC. (1)
4,305,059 Modular funds transfer system 187 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 287 1993
 
CYBERSOURCE CORPORATION (1)
7,096,192 Method and system for detecting fraud in a credit card transaction over a computer network 25 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 405 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 107 1988
 
Datapoint Corporation (1)
4,941,089 Input/output network for computer system 154 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 323 1989
 
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 267 1992
 
EASTMAN KODAK COMPANY (1)
5,321,751 Method and apparatus for credit card verification 194 1993
 
EC CORPORATION (1)
5,283,731 Computer-based classified ad system and method 579 1992
 
EDIFY CORPORATION (1)
5,455,903 Object oriented customer information exchange system and method 120 1991
 
EDWARDS, DAVID (1)
4,255,697 Cash register power supply system 16 1980
 
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Other [Check patent profile for assignment information] (43)
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4,320,387 Information communicating apparatus and method 50 1979
4,415,065 Restaurant or retail vending facility 251 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 206 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 325 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 471 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 554 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 64 1987
4,999,806 Software distribution system 483 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 203 1988
4,931,928 Apparatus for analyzing source code 91 1988
5,053,607 Point-of-sale device particularly adapted for processing checks 343 1989
5,253,165 Computerized reservations and scheduling system 271 1990
5,224,164 Method and apparatus for transliterating messages 39 1991
5,254,843 Securing magnetically encoded data using timing variations in encoded data 75 1991
5,148,474 Interactive value-added telecommunications system and method 129 1991
5,341,414 Calling number verification service 140 1992
5,452,352 Automatic dialing system 50 1992
5,287,181 Electronic redeemable coupon system and television 382 1992
5,267,314 Secure transaction system and method utilized therein 106 1992
5,343,529 Transaction authentication using a centrally generated transaction identifier 175 1993
5,337,360 Method and apparatus for creating, supporting, and using travelling programs 159 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 240 1994
5,502,762 System and method for simultaneously controlling ringing at local and remote telephones 104 1994
5,479,510 Automated data card payment verification method 102 1994
5,706,452 Method and apparatus for structuring and managing the participatory evaluation of documents by a plurality of reviewers 173 1995
5,829,002 System for coordinating information transfer and retrieval 19 1995
5,845,261 Interactive multi-media presentation and marketing apparatus 73 1996
5,799,285 Secure system for electronic selling 334 1996
5,818,021 Method for identifying counterfeit negotiable instruments 40 1996
5,781,632 Method and apparatus for secured transmission of confidential data over an unsecured network 142 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 0 2012

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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

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