System and method for facilitating a transaction using a revolving use account associated with a primary account

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8538863
SERIAL NO

10711963

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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The present invention facilitates transactions by providing a revolving use account that is associated with a primary account number, wherein the revolving use account is presented to the merchant to initiate a transaction. More particularly, the system involves the process of registering a user's primary account (if not already pre-registered) to use in a transaction system; generating a revolving use account and issuing this number one or more separate users and/or transaction devices, where the user presents this revolving use account to a merchant to complete a transaction. Additionally, the revolving use account may also carry with it certain limitations-on-use conditions, where a transaction is not authorized unless these conditions are met. In generating a revolving use account, the issuer generates a random number and associates this number with the user's primary charge account.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
III HOLDINGS 1, LLCWILMINGTON, DE870

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Saunders, Peter D Salt Lake City, US 139 5521

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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LUCENT TECHNOLOGIES INC. (3)
5544246 Smartcard adapted for a plurality of service providers and for remote installation of same 417 1993
5608778 Cellular telephone as an authenticated transaction controller 239 1994
5898783 System and method for employing a telecommunications network to remotely disable a SIM or smartcard 155 1996
 
FIRST AMERICAN CMSI (1)
5878403 Computer implemented automated credit application analysis and decision routing system 547 1995
 
FUJITSU LIMITED (4)
6129274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 446 1998
6513015 System and method for customer recognition using wireless identification and visual data transmission 197 1998
6179206 Electronic shopping system having self-scanning price check and purchasing terminal 245 1998
6608995 Detection circuit for proximity IC card device 84 2000
 
MOTOROLA, INC. (2)
5221838 Electronic wallet 625 1992
2003/0112,972 Data carrier for the secure transmission of information and method thereof 89 2001
 
Mikos, Ltd. (1)
2002/0140,542 Personal biometric key 87 2002
 
INFINEON TECHNOLOGIES AG (1)
5809633 Method for producing a smart card module for contactless smart cards 151 1997
 
NET1 HOLDINGS S.A.R.L. (1)
RE36788 Funds transfer system 150 1997
 
MFH, LLC (1)
6609655 Smart card system for providing financial, travel, and entertainment-related services 117 2000
 
FIRST DATA CORPORATION (1)
6141651 Funding and settlement integrated suspense processing system 155 1998
 
ROUND ROCK RESEARCH, LLC (3)
5572226 Spherical antenna pattern(s) from antenna(s) arranged in a two-dimensional plane for use in RFID tags and labels 226 1995
6112152 RFID system in communication with vehicle on-board computer 248 1999
6693513 Wireless identification device, RFID device with push-on/push off switch, and method of manufacturing wireless identification device 139 2002
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5698837 Method and system for identifying and communicating with a plurality of contactless IC cards 196 1995
 
DH TECHNOLOGY, INC. (1)
5331138 Hybrid card reader 102 1992
 
Block Financial LLC (1)
6014645 Real-time financial card application system 507 1996
 
ANDREWS, GEORGE F. (1)
5099226 Intelligent security system 160 1991
 
Inventec Electronics (Shanghai) Co., Ltd. (1)
6628961 Device and a method for connecting a mobile phone handset to an external keyboard 89 2000
 
HEWLETT PACKARD ENTERPRISE DEVELOPMENT LP (7)
5963924 System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce 398 1996
5987140 System, method and article of manufacture for secure network electronic payment and credit collection 380 1996
5983208 System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 305 1996
6002767 System, method and article of manufacture for a modular gateway server architecture 292 1996
6072870 System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 428 1996
5931917 System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser 371 1996
5978840 System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture 370 1996
 
ENGINEERED MATERIALS SOLUTIONS, INC. (1)
5226989 Method for reducing thickness of a titanium foil or thin strip element 78 1991
 
BRIDGEPOINT SYSTEMS, INC. (1)
6223984 Distinct smart card reader having wiegand, magnetic strip and bar code types emulation output 200 1997
 
ISLIP TECHNOLOGIES LLC (1)
6325285 Smart card with integrated fingerprint reader 268 1999
 
MORPHO (1)
6494380 IC card having fingerprint sensor designed to withstand bending 82 2001
 
JPMORGAN CHASE BANK, N.A. (1)
2003/0187,787 System and process for performing purchase transactions using tokens 154 2003
 
PEN-ONE ACQUISITION GROUP, LLC (1)
2002/0178,369 Pen-based transponder identity verification system 24 2001
 
OBERTHUR CARD SYSTEMS SA (1)
6484937 Method for storing data in a chip card rewritable memory 114 1999
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
5721781 Authentication system and method for smart card transactions 686 1995
 
FUJITSU SEMICONDUCTOR LIMITED (1)
2003/0183,699 Semiconductor integrated circuit, radio frequency identification transponder, and non-cotact IC card 21 2002
 
Konica Corporation (1)
5407893 Material for making identification cards 121 1993
 
Vending Management Services Limited (1)
2003/0057,226 Vending machine inventory system and method 15 2001
 
WALKER DIGITAL, LLC (1)
2003/0177,347 Methods and apparatus for awarding prizes based on authentication of computer generated outcomes using coupons 169 2002
 
GENERAL ELECTRIC COMPANY (1)
6626356 Multi-use credit card for financial transactions and vehicle configuration 84 2001
 
TRANSMO LIMITED (1)
6510998 Card charging system 125 1999
 
GLOBALPLATFORM, INC. (4)
6005942 System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card 371 1998
6233683 System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card 219 1998
6402028 Integrated production of smart cards 186 1999
6481632 Delegated management of smart card applications 159 1999
 
TADASHI ETOH (INDIVIDUAL) (1/2 OF RIGHT) (1)
6260026 Credit card information management system 138 1997
 
PAYTRONIX SYSTEMS, INC. (1)
2003/0009,382 Customer identification, loyalty and merchant payment gateway 263 2002
 
DRESSER, INC. (1)
2003/0025,600 Wireless communication in a retail refueling environment 86 2001
 
DELL USA, L.P. (1)
5606594 Communication accessory and method of telecommunicating for a PDA 219 1994
 
TOSHIBA GLOBAL COMMERCE SOLUTIONS HOLDINGS CORPORATION (1)
2002/0116,274 Method to address security and privacy issues of the use of RFID systems to track consumer products 33 2001
 
SAT Corporation (1)
6480100 Radio frequency identification tag formatting method 149 2001
 
CITICORP (3)
5485510 Secure credit/debit card authorization 466 1994
* 6023682 Method and apparatus for credit card purchase authorization utilizing a comparison of a purchase token with test information 81 1997
6052675 Method and apparatus for preauthorizing credit card type transactions 210 1998
 
RELIANCE DATA, L.P. (1)
* 5438186 Multi-reader transaction terminal 115 1994
 
TGIP, INC. (1)
5577109 Pre-paid card system and method 510 1995
 
EASTMAN KODAK COMPANY (2)
2003/0069,828 System for and managing assets using priority tokens 147 2001
2003/0227,550 System and method for providing a customized imaging product or service 82 2002
 
WM. WRIGLEY JR. COMPANY (1)
2002/0095,343 Apparatus and method for providing point of purchase products 78 2001
 
Related Energy & Security (1)
4475308 Revolving door system 88 1982
 
FRANCE TELECOM (1)
2003/0163,699 Cryptography method and smart cards microcircuit 77 2003
 
F. POSZAT HU, L.L.C. (1)
6219439 Biometric authentication system 354 1999
 
TRASMO LIMITED (1)
6364208 Card changing system 91 1999
 
AT&T CORP. (2)
5845267 System and method for billing for transactions conducted over the internet from within an intranet 360 1996
6024286 Smart card providing a plurality of independently accessible accounts 206 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 127 1999
D442629 Card with an ornamental rectangle 105 1999
D447515 Card with an ornamental rectangle 118 2000
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Quisk, Inc. (1)
9754260 Account locking using transaction codes 0 2013
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (1)
* 2012/0109,822 CUSTOMER CONTROLLED ACCOUNT, SYSTEM, AND PROCESS 0 2011
 
INGENICO GROUP (1)
9672505 Method for verifying the authenticity of a terminal, corresponding device and program 0 2015
 
JPMORGAN CHASE BANK, N.A. (1)
* 2014/0114,815 System And Method For Managing And Using A Third Party Subsidy Account 1 2011
 
MOCAPAY, INC. (1)
* 2013/0179,352 SECURE WIRELESS TRANSACTIONS WHEN A WIRELESS NETWORK IS UNAVAILABLE 2 2013
 
CRIA, INC. (1)
9684896 Systems and methods for secure wireless payment transactions when a wireless network is unavailable 0 2014
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Mar 17, 2021
11.5 Year Payment $7400.00 $3700.00 $1850.00 Mar 17, 2025
Fee Large entity fee small entity fee micro entity fee
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