System and method for consumer control over card-based transactions

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8510218
APP PUB NO 20120123933A1
SERIAL NO

13345961

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary, accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. Multiple transaction cards may be linked to a single credit account with each card having a different credit limit, such that the controls comprise restricting each transaction card to a particular merchant, linking, by the consumer, several credit and/or debit accounts to a single transaction card, and pre-selectins a criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or telephone for making changes and receiving account information.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
MASTERCARD INTERNATIONAL INCORPORATEDPURCHASE, NY466

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Abel, Luther C San Jose, US 5 123
Cousins, Robert E Saratoga, US 22 566

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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Other [Check patent profile for assignment information] (5)
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VERIFONE, INC. (1)
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TOLMI, L.L.C. (1)
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CITICORP (1)
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FIRST DATA CORPORATION (1)
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JOAO BOCK TRANSACTION SYSTEMS, LLC (2)
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DoubleCredit.com, Inc. (1)
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ACCENT.COM, INC. (1)
* 7194437 Computer-based funds transfer system 146 1999
 
National Bancard Corporation (1)
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MILLENNIUM COMMERCE, LLC (1)
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FACEBOOK, INC. (1)
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HITACHI METALS, LTD. (1)
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CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
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WALKER ASSET MANAGEMENT LIMITED PARTNERSHIP (1)
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J.J. Mackay Canada Limited (1)
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C-SAM, INC. (1)
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CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION (1)
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* Cited By Examiner

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