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

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

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.

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

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
III HOLDINGS 1, LLCWILMINGTON, DE884

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Saunders, Peter D Salt Lake City, US 144 6211

Cited Art Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (23)
5101200 Fast lane credit card 198 1989
5774882 Credit approval system 253 1993
5748737 Multimedia electronic wallet with generic card 426 1994
5844230 Information card 261 1995
5825007 Automatic non-computer network no-stop collection of expressway tolls by prepaid cards and method: pay according to category of vehicle and the distance it travels 101 1996
* 5953710 Children's credit or debit card system 755 1996
* 5984180 Method and system for gift credit card 250 1997
6047888 Method system and portable data medium for paying for purchases 141 1998
6342844 Two-way radio-based electronic toll collection method and system for highway 136 1998
6123223 Automated vending system for floral arrangements 156 1998
2002/0077,895 Electronic consumer incentive distribution system 102 2000
2002/0107,742 System for and method of transacting non-fuel purchases using an island transaction terminal 102 2001
2002/0147,913 Tamper-proof mobile commerce system 156 2001
2002/0126,010 Object locator system employing RF signaling 103 2001
2002/0095,389 Method, apparatus and system for identity authentication 168 2001
2003/0014,891 Non-rectangular shaped credit card with case 98 2002
2002/0131,567 Device and method for repetitive communication of messages 80 2002
2002/0107,007 Method for wireless telephony payment and an apparatus therefor 105 2002
2002/0185,543 Data card 102 2002
2003/0069,846 Multi-function electronic transaction card 111 2002
2003/0222,153 Data card 100 2003
2003/0225,713 Prepayment system for power distribution using RFID technology 88 2003
2003/0195,842 Method and device for making secure transactions 128 2003
 
TC LICENSE LTD. (2)
4739328 System for identifying particular objects 247 1986
2002/0178,063 Community concept for payment using RF ID transponders 172 2001
 
TRITHEIM TECHNOLOGIES, INC. (1)
5854891 Smart card reader having multiple data enabling storage compartments 105 1996
 
TEXAS INSTRUMENTS-ACER INCORPORATED (1)
5989950 Reduced mask CMOS salicided process 86 1998
 
INTERNATIONAL TECHNOLOGIES & SYSTEMS, CORPORATION (1)
2003/0218,066 Adaptor for magnetic stripe card reader 66 2002
 
SCHNEIDER ELECTRIC SYSTEMS USA, INC. (1)
6422532 Severe service valve positioner 18 2000
 
SIERRA DESIGN GROUP (1)
2002/0111,210 Anonymous player identifiers in a gaming environment 234 2001
 
VISA INTERNATIONAL SERVICE ASSOCIATION (17)
5761306 Key replacement in a public key cryptosystem 313 1996
RE36365 Method and apparatus for distributing currency 300 1996
6003014 Method and apparatus for acquiring access using a smart card 169 1997
6282522 Internet payment system using smart card 508 1997
6240187 Key replacement in a public key cryptosystem 173 1998
6179205 System and method for locking and unlocking and application in a smart card 202 1998
6105008 Internet loading system using smart card 329 1998
6560581 System and method for secure electronic commerce transaction 358 1998
6018717 Method and apparatus for acquiring access using a fast smart card transaction 199 1998
6549912 Loyalty file structure for smart card 244 1998
6367011 Personalization of smart cards 165 1998
6273335 System and method for locking and unlocking an application in a smart card 108 2000
2002/0194,503 Distributed quantum encrypted pattern generation and scoring 29 2002
2003/0200,184 Mobile account authentication service 244 2003
2003/0195,843 Conducting commerce between individuals with integrated shipping 115 2003
2004/0015,451 Method for conducting financial transactions utilizing infrared data communications 77 2003
2004/0139,021 Method and system for facilitating data access and management on a secure token 160 2003
 
SAMSUNG ELECTRONICS CO., LTD. (1)
6374245 Server system communicating with personal digital assistant and communication method thereof 108 1998
 
Sony Electronics Inc. (1)
2002/0077,992 Personal transaction device with secure storage on a removable memory device 22 2001
 
WESSEL, KENNETH R., 26 BEACH STREET, WHITE PLAINS,NEW YORK 10604 (1)
4583766 Secure badge for infrared badge reader and process for making same 98 1984
 
NXP B.V. (1)
6411611 Communication systems, communication methods and a method of communicating data within a DECT communication system 135 1998
 
GILBARCO INC. (8)
6078888 Cryptography security for remote dispenser transactions 287 1997
6073840 Fuel dispensing and retail system providing for transponder prepayment 382 1998
6116505 Fuel transaction system for enabling the purchase of fuel and non-fuel items on a single authorization 243 1998
6535726 Cellular telephone-based transaction processing 182 2000
6422464 Fuel dispensing system providing customer preferences 213 2000
6326934 ADA convertible input display 87 2000
2001/0034,565 Rfid tag location using tag or host interaction record 27 2001
2002/0113,082 Antenna placement in a fueling and retail system 101 2001
 
CALLAHAN CELLULAR L.L.C. (1)
2002/0077,837 Secure networked transaction system 53 2000
 
CU DIRECT CORPORATION (1)
6029149 Lender direct credit evaluation and loan processing system 464 1999
 
DONNELLY CORPORATION (1)
6547133 Vehicle mounted remote transaction interface system 235 2000
 
J.J. Mackay Canada Limited (1)
* 6111522 Multiple electronic purse parking meter 91 1999
 
SCAN-EM CORP (1)
5640002 Portable RF ID tag and barcode reader 834 1995
 
PENDRAGON WIRELESS LLC (1)
6198728 Medium access control (MAC) protocol for wireless ATM 205 1996
 
CHARTOLEAUX KG LIMITED LIABILITY COMPANY (1)
2003/0167,207 System and method for incenting payment using radio frequency identification in contact and contactless transactions 182 2003
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (2)
6588660 Passive contactless smartcard security system 166 2000
2003/0046,228 User-wearable functional jewelry with biometrics and smartcard to remotely sign and/or authenticate to e-services 198 2001
 
Mitsubishi Semiconductor Software Co. Ltd. (1)
5604342 Noncontact card and card system 85 1995
 
U.S. PHILIPS CORPORATION (3)
5797085 Wireless communication system for reliable communication between a group of apparatuses 225 1996
5991608 Portable communication device with optimized transmission loss 89 1997
2001/0039,617 SYSTEM FOR THE TRANSMISSION OF DATA BETWEEN AT LEAST ONE WRITE/READ STATION AND A PLURALITY OF DATA CARRIERS 83 1997
 
NOBLE, RICHARD (1)
2002/0074,398 System and method for making monetary transactions within a coverage area 131 2001
 
UNIVERSITY OF WASHINGTON (1)
5920628 Method and apparatus for fingerprinting and authenticating various magnetic media 187 1997
 
US PHILIPS ELECTRONICS (1)
6424029 Chip card 225 2000
 
Identity Stronghold, LLC (1)
6121544 Electromagnetic shield to prevent surreptitious access to contactless smartcards 247 1998
 
PROVENANCE ASSET GROUP LLC (2)
6771981 Electronic device cover with embedded radio frequency (RF) transponder and methods of using same 295 2000
2005/0017,068 System and method of making payments using an electronic device cover with embedded transponder 121 2004
 
JOAO BOCK TRANSACTION SYSTEMS, LLC (1)
5903830 Transaction security apparatus and method 403 1997
 
SMART CARD, LLC (1)
5530232 Multi-application data card 550 1993
 
MAXIM INTEGRATED PRODUCTS, INC. (1)
6105013 Method, apparatus, system and firmware for secure transactions 157 1998
 
Datalogic Mobile, Inc. (1)
6415978 Multiple technology data reader for bar code labels and RFID tags 235 1999
 
SAMSUNG PAY, INC. (1)
2002/0145,043 System, method, and apparatus for communicating information encoded in a light -based signal using a fob 28 2002
 
FORWARD RESEARCH, INC. (1)
6092057 Unattended POS system for automatic control of bank system rejections 153 1997
 
TEXAS INSTRUMENTS INCORPORATED (115)
4639765 Synchronization system for overlay of an internal video signal upon an external video signal 111 1985
5197140 Sliced addressing multi-processor and method of operation 199 1989
5212777 Multi-processor reconfigurable in single instruction multiple data (SIMD) and multiple instruction multiple data (MIMD) modes and method of operation 390 1989
5239654 Dual mode SIMD/MIMD processor providing reuse of MIMD instruction memories as data memories when operating in SIMD mode 298 1989
5339447 Ones counting circuit, utilizing a matrix of interconnected half-adders, for counting the number of ones in a binary string of image data 101 1989
5761493 Apparatus and method for adding an associative query capability to a programming language 153 1990
5489411 Titanium metal foils and method of making 100 1991
5274392 Tilted antenna 82 1992
5247304 Interrogating station for identification purposes, with separate transmitting and receiving antennae 85 1992
5305002 Hinged read-out antenna system 83 1992
5410649 Imaging computer system and network 149 1992
5349357 Circuit arrangement for obtaining a constant field strength of an HF signal radiated by a transmitting device with exchangeable antenna 83 1992
6192255 Communication system and methods for enhanced information transfer 200 1992
5373303 Built-in chip transponder with antenna coil 85 1992
5408243 Method for producing a flat flexible antenna 99 1993
5701127 Automatic vehicle identification system capable of vehicle lane discrimination 146 1993
6038584 Synchronized MIMD multi-processing system and method of operation 87 1993
5371896 Multi-processor having control over synchronization of processors in mind mode and method of operation 168 1993
5351052 Transponder systems for automatic identification purposes 223 1993
5428363 Antenna system for use in an automatic vehicular identification system 93 1993
5858006 Hypodermic needle with a protrusion 108 1993
5329617 Graphics processor nonconfined address calculation system 82 1993
5491483 Single loop transponder system and method 251 1994
5488376 Transponder interface circuit 106 1994
5513525 Arrangement for monitoring the operating state of vehicle pneumatic tires mounted on wheel rims 101 1994
5673106 Printing system with self-monitoring and adjustment 86 1994
5471592 Multi-processor with crossbar link of processors and memories and method of operation 304 1994
5522083 Reconfigurable multi-processor operating in SIMD mode with one processor fetching instructions for use by remaining processors 224 1994
6070003 System and method of memory access in apparatus having plural processors and plural memories 191 1994
5500651 System and method for reading multiple RF-ID transponders 154 1994
5621396 Method and apparatus with adaptive transponder plucking 89 1994
5625370 Identification system antenna with impedance transformer 115 1994
5600175 Apparatus and method for flat circuit assembly 107 1994
5602538 Apparatus and method for identifying multiple transponders 180 1994
5629981 Information management and security system 914 1994
5569187 Method and apparatus for wireless chemical supplying 278 1994
5550536 Circuit frequency following technique transponder resonant 134 1994
5490079 System for automated toll collection assisted by GPS technology 149 1994
5592150 Air coil and method of making the same 83 1994
5563582 Integrated air coil and capacitor and method of making the same 83 1994
5497121 Automatically correcting data detection circuit and method for FSK modulated signals 85 1994
5594448 Highly accurate RF-ID positioning system 138 1994
5491484 Electronic transponder tuning circuitry 150 1994
5660319 Ultrasonic bonding process 86 1995
5625366 Flat flexible antenna 94 1995
5729236 Identification system reader with multiplexed antennas 109 1995
5607522 Method of making electrical contact material 83 1995
5880675 Reusable package for identification devices 102 1995
5675342 Automatic vehicle identification system capable of vehicle lane discrimination 112 1995
5525994 Transponder interface circuit 112 1995
5592405 Multiple operations employing divided arithmetic logic unit and multiple flags register 110 1995
5606520 Address generator with controllable modulo power of two addressing capability 105 1995
5613146 Reconfigurable SIMD/MIMD processor using switch matrix to allow access to a parameter memory by any of the plurality of processors 234 1995
5621412 Multi-stage transponder wake-up, method and structure 431 1995
5686920 Transponder maintenance mode method 132 1995
5691731 Closed slot antenna having outer and inner magnetic loops 110 1995
5696913 Unique processor identifier in a multi-processing system having plural memories with a unified address space corresponding to each processor 204 1995
5758195 Register to memory data transfers with field extraction and zero/sign extension based upon size and mode data corresponding to employed address register 93 1995
5768609 Reduced area of crossbar and method of operation 219 1995
5809288 Synchronized MIMD multi-processing system and method inhibiting instruction fetch on memory access stall 166 1995
5602919 Speedup for monetary transactions using a transponder in conjunction with a smartcard 161 1995
6317721 Transaction accounting of toll transactions in transponder systems 128 1995
5792337 Method and apparatus for detection of corrosion 110 1995
5646607 Transponder/interrogator protocol in a multi-interrogator field 101 1995
5798709 Wireless transmitter carrier phase synchronization 85 1996
5557279 Unitarily-tuned transponder/shield assembly 117 1996
5793324 Transponder signal collision avoidance system 107 1996
5638080 Manufacture of a flexible antenna, with or without an inner permeable magnetic layer 93 1996
5581630 Personal identification 288 1996
5748137 Wireless flywheel synchronization method 88 1996
5619207 Highly accurate RE-ID positioning system 106 1996
5608406 Device for controlling discharge of a charge capacitor in a transponder 86 1996
5621411 Positioning with RF-ID transponders 122 1996
5731957 Transponder including a fluid cushioning medium and a method for its production 98 1996
5729053 Apparatus and method for flat circuit assembly 107 1996
5867100 Air Coil a security badge and a transponder 82 1996
5785680 Injector and object to be injected by the injector 90 1996
5809142 Method and system for calculating a user account balance in a recognition system 118 1996
6323566 Transponder for remote keyless entry systems 211 1996
5797060 Electrophotographic printing subsystem with self-monitoring and adjustment 90 1996
5825302 System and method for transmitting data using reflected electromagnetic radiation 103 1996
5794095 Intelligent printing system 81 1996
5864323 Ring antennas for resonant circuits 239 1996
5842088 Method of calibrating a spatial light modulator printing system 279 1997
5870031 Full-wave rectifier and method of operation for a recognition system 112 1997
6167236 Damping modulation circuit for a full-duplex transponder 91 1997
5841364 Method and apparatus for transfering information from a transponder 83 1997
5955969 Method to prevent rouge transponder responses in automatic vehicle identification systems 101 1997
5912678 Process flow design at the module effects level through the use of acceptability regions 120 1997
5826077 Apparatus and method for adding an associative query capability to a programming language 229 1997
6101174 Low power, short range point-to-multipoint communications systems 171 1997
5905798 TIRIS based kernal for protection of "copyrighted" program material 162 1997
5970148 Low cost encryption transponder 103 1997
5732579 Key having an air coil antenna and a method of construction 106 1997
5929801 Method for repeating interrogations until failing to receive unintelligible responses to identify plurality of transponders by an interrogator 131 1997
5870915 Key lock having inductive key detection and method of construction 86 1997
5881272 Synchronized MIMD multi-processing system and method inhibiting instruction fetch at other processors on write to program counter of one processor 78 1997
5933624 Synchronized MIMD multi-processing system and method inhibiting instruction fetch at other processors while one processor services an interrupt 87 1997
6002438 Method and apparatus for storing decoded video information 87 1997
6205151 ATM cell scheduler which uses a heap memory and associates timestamps with each channel 97 1997
6115360 Fair scheduling of ATM cell transmissions during overscheduled conditions 95 1997
6198875 Tiris based bios for protection of "copyrighted" program material 129 1997
5953512 Microprocessor circuits, systems, and methods implementing a loop and/or stride predicting load target buffer 96 1997
6216219 Microprocessor circuits, systems, and methods implementing a load target buffer with entries relating to prefetch desirability 122 1997
6230270 Integrated circuit identification system 85 1998
6133834 Method of trimming film type antennas 95 1998
6064320 Automatic vehicle identification system capable of vehicle lane discrimination 128 1998
6232917 Navigational system 162 1998
6266754 Secure computing device including operating system stored in non-relocatable page of memory 85 1999
6239675 Tuning circuit having switchable capacitor controlled by a selection circuit 81 1999
6116423 Multi-functional shipping system for integrated circuit devices 90 1999
6215437 Procedure for reading the data stored in a transponder and a transponder system for the execution of the procedure 104 1999
6260088 Single integrated circuit embodying a risc processor and a digital signal processor 140 2000
6377034 Method and circuits for inductor current measurement in MOS switching regulators 95 2000
6388533 Programmable ring oscillator 88 2000
 
INTERMEC IP CORP. (3)
6286763 Method and apparatus to automatically search data carriers, such as RFID tags and machine-readable symbols 130 1999
6318636 Method and apparatus to read different types of data carriers, such RFID tags and machine-readable symbols, and a user interface for the same 233 1999
6529880 Automatic payment system for a plurality of remote merchants 209 1999
 
CARDIS ENTERPRISE INTERNATIONAL N.V. (1)
6102162 Automated self-service cafeteria system 127 1998
 
TEXAS INSTRUMENTS HOLLAND B.V. (1)
5453747 Transponder systems for automatic identification purposes 162 1994
 
NOKIA CORPORATION (1)
2002/0194,303 Portable shopping assistant 92 2001
 
TEXAS INSTRUMENTS DEUTSCHLAND GMBH (14)
5053774 Transponder arrangement 532 1991
5491715 Automatic antenna tuning method and circuit 268 1993
5541604 Transponders, Interrogators, systems and methods for elimination of interrogator synchronization requirement 341 1993
5552789 Integrated vehicle communications system 255 1994
5543798 Method of providing a synchronized data stream suitable for use in a combined FDX and HDX RF-ID system 100 1994
5597534 Apparatus for wireless chemical sensing 108 1994
5489908 Apparatus and method for identifying multiple transponders 181 1994
5525992 Method and system for conserving power in a recognition system 178 1994
5493312 Reduced current antenna circuit 84 1995
5548291 Read/write transponder arrangement and method of communication 131 1995
5550548 Interrogator for detecting adjacent transponders 113 1995
5561430 Inductor/antenna for a recognition system 101 1995
5948116 Bit error correction algorithm 85 1996
6118189 Identification system reader with multiplexed antennas 80 1997
 
GEMALTO SA (2)
5625695 Process for generating DSA signatures with low-cost portable apparatuses 107 1994
6226382 Method for implementing a private-key communication protocol between two processing devices 76 1997
 
ASK S.A. (1)
6390375 Contactless or hybrid contact-contactless smart card designed to limit the risks of fraud 117 2000
 
SANKYO SEIKI MFG. CO., LTD. (2)
6674786 Data demodulation 79 2000
6679427 Magnetic card reader 76 2000
 
NCR CORPORATION (3)
5594233 Multiple standard smart card reader 186 1995
2002/0079,367 Method and apparatus for operating a self-service checkout terminal to access a customer account 94 2000
2002/0028,704 Information gathering and personalization techniques 100 2001
 
CUBIC CORPORATION (4)
6259769 Portable smart card communication device 114 1999
6577229 Multiple protocol smart card communication device 275 1999
6480101 Contactless proximity automated data collection system and method 129 2000
* 2003/0085,272 Customer administered autoload 24 2002
 
Mobil Oil Corporation (1)
5859779 Portable point-of sale terminal with device for inputting security code access key 127 1996
 
NJC INNOVATIONS (1)
6491229 Contactless chip card associated with RF transmission means 90 1999
 
TURBODYNE TECHNOLOGIES, INC. (1)
6102672 Motor-driven centrifugal air compressor with internal cooling airflow 110 1997
 
NOKIA TECHNOLOGIES OY (2)
5887266 Method for using applications in a mobile station, a mobile station and a system for effecting payments 165 1996
2004/0030,601 Electronic payment methods for a mobile device 275 2003
 
Biometric Security Card, Inc. (3)
2002/0138,438 Biometric identification system using biometric images and copy protect code stored on a magnetic stripe and associated methods 97 2002
2002/0148,892 Biometric identification system using biometric images and personal identification number stored on a magnetic stripe and associated methods 47 2002
2002/0196,963 Biometric identification system using a magnetic stripe and associated methods 109 2002
 
MASTERCARD INTERNATIONAL INCORPORATED (19)
4961142 Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer 516 1988
5023782 Travelers cheque transaction terminal 280 1990
5557516 System and method for conducting cashless transactions 324 1994
5878215 System and method for processing multiple electronic transaction requests 181 1994
5705798 System and method for processing a customized financial transaction card 282 1994
5692132 System and method for conducting cashless transactions on a computer network 593 1995
5699528 System and method for bill delivery and payment over a communications network 1172 1995
5704046 System and method for conducting cashless transactions 368 1996
6315193 Financial transaction card with installment loan feature 169 1998
6473500 System and method for using a prepaid card 514 1998
6546373 System and method for recovering refundable taxes 130 1999
6578768 Method and device for selecting a reconfigurable communications protocol between and IC card and a terminal 107 2000
2002/0120,584 Method and system for conducting secure payments over a computer network without a pseudo or proxy account number 27 2001
2003/0120,554 System and method for conducting secure payment transactions 95 2002
2003/0140,228 Method and device for control by consumers over personal data 92 2002
2003/0132,284 System and method for integrated circuit card data storage 83 2002
2003/0121,969 Method and system for conducting transactions using a payment card with two technologies 24 2002
2004/0029,569 Micropayment financial transaction process utilizing wireless network processing 125 2002
2003/0225,623 Method and system for conducting transactions using a payment card with account information encoded in bar code 92 2003
 
TRW INC. (1)
2002/0109,580 Wireless universal personal access system 138 2001
 
WSOU INVESTMENTS, LLC (1)
6006216 Data architecture for fetch-intensive database applications 143 1997
 
T-MOBILE DEUTSCHLAND GMBH (1)
6690930 Process to control a subscriber identity module (SIM) in mobile phone system 97 2000
 
National Bancard Corporation (1)
* 5334823 Systems and methods for operating data card terminals for transaction chargeback protection 70 1992
 
Jess-Link Products Co., Ltd. (1)
6457996 Connector to PDA external keyboard 94 2001
 
BANK OF AMERICA CORPORATION (1)
2002/0092,914 Data card 15 2001
 
LENOVO (SINGAPORE) PTE. LTD. (1)
6507762 Method and system for remotely controlling an appliance using a personal digital assistant 145 1999
 
GOOGLE INC. (6)
5777903 Solar cell powered smart card with integrated display and interface keypad 296 1996
5834756 Magnetically communicative card 319 1996
5943624 Contactless smartcard for use in cellular telephone 210 1996
6206293 Magnetically communicative card 310 1997
6466804 Method and apparatus for remote multiple access to subscriber identity module 134 2000
2002/0097,144 Portable data device efficiently utilizing its available power and method thereof 21 2001
 
GE CAPITAL CORPORATION (1)
5991750 System and method for pre-authorization of individual account transactions 464 1997
 
SECURITY DYNAMICS TECHNOLOGIES, INC. (1)
5657388 Method and apparatus for utilizing a token for resource access 416 1994
 
KONINKLIJKE PHILIPS ELECTRONICS N V (1)
2002/0176,522 Quadrature envelope-sampling of intermediate frequency signal in receiver 88 2001
 
POWER INNOVATIONS LIMITED (1)
5285100 Semiconductor switching device 77 1992
 
SONERA SMARTTRUST OY (1)
6711262 Procedure for the control of applications stored in a subscriber identity module 97 1999
 
FREENY, JAMES P. (1)
6490443 Communication and proximity authorization systems 444 2000
 
EMS ENGINEERED MATERIALS SOLUTIONS, LLC (1)
5222282 Method for reducing thickness of a high-strength low-ductility metal foil on thin strip element 87 1992
 
SYMBOL TECHNOLOGIES, LLC (2)
6264106 Combination bar code scanner/RFID circuit 189 1999
* 7441706 Method and system for processing and using information 43 2001
 
YOZAN INC. (1)
2002/0052,839 Charge collection method 78 2001
 
ACTIVCARD IRELAND LIMITED (1)
5987155 Biometric input device with peripheral port 232 1997
 
FORD MOTOR COMPANY (1)
2002/0188,501 Method and system for providing rebates to automobile owners based on purchases made at participating retailer locations 80 2001
 
CARDIS ENTERPRISES INTERNATIONAL N.V. (1)
6257486 Smart card pin system, card, and reader 314 1998
 
III HOLDINGS 1, LLC (5)
6581839 Transaction card 211 2000
6732936 Transparent/translucent financial transaction card 85 2000
* 2001/0034,720 System for facilitating a transaction 318 2001
6705530 Transparent/translucent financial transaction card 148 2003
2003/0233,334 Methods and apparatus for facilitating a transaction 105 2003
 
SPENDINGMONEY, LLC (1)
* 5864830 Data processing method of configuring and monitoring a satellite spending card linked to a host credit card 409 1997
 
LOGICLINK CORPORATION (1)
5987498 Credit card operated computer on-line service communication system 318 1996
 
GENERAL MOTORS CORPORATION (2)
2003/0014,307 Method and system for mobile commerce advertising 136 2001
2003/0018,532 Method and device for conducting mobile commerce 82 2001
 
EXXONMOBIL RESEARCH AND ENGINEERING COMPANY (1)
2002/0152,123 System and method for processing financial transactions 241 2002
 
CONTINENTAL CABLEVISION, INC. (1)
5956024 Graphical user interface for customer service representatives for subscriber management systems 251 1996
 
GENERAL MOTORS LLC (1)
2003/0014,357 Method and system for conducting user defined mobile commerce 81 2001
 
Presto Technologies, Inc. (1)
6400272 Wireless transceiver for communicating with tags 303 2000
 
CERTICOM CORP. (1)
5955717 Transaction verification protocol for Smart Cards 117 1997
 
EBAY INC. (1)
2001/0024,157 Easy check-out with enhanced security 21 2000
 
NANJI, ANVAR (1)
5797133 Method for automatically determining the approval status of a potential borrower 392 1997
 
SOCKET MOBILE, INC. (1)
2004/0039,860 Nested removable-removable modules with game and media-player applications 27 2003
 
Tech Link International Entertainment Ltd. (1)
5851149 Distributed gaming system 909 1995
 
ON TRACK INNOVATIONS LTD. (1)
6202927 Dual mode proximity and in-range smart card data transaction system 106 1998
 
CITIBANK, N.A. (2)
6088686 System and method to performing on-line credit reviews and approvals 690 1996
6665405 Cyclotomic polynomial construction of discrete logarithm cryptosystems over finite fields 85 2000
 
PLURIS SAVINGS NETWORKS, LLC (1)
6105865 Financial transaction system with retirement saving benefit 509 1998
 
MIROKU JYOHO SERVICE CO., LTD. (1)
5890137 On-line shopping system and the method of payment settlement 388 1996
 
SMART SYSTEMS CO., LLC (1)
5828044 Non-contacting type radio frequency recognizing credit card system 185 1997
 
TRANSACTION TECHNOLOGY, INC. (1)
5844218 Method and system for using an application programmable smart card for financial transactions in multiple countries 289 1996
 
SKIDATA AG (1)
2002/0190,125 Authorization control device 16 2002
 
THE WESTERN UNION COMPANY (5)
2002/0166,891 Systems and methods for deploying a point-of sale device 23 2002
2003/0183,689 Alternative payment devices using electronic check processing as a payment mechanism 27 2002
2003/0187,786 Merchant transponder systems using electronic check processing 89 2002
2003/0187,790 Electronic check processing systems 133 2002
2003/0187,796 Systems for processing transponder-based transactions 128 2002
 
SMART SYSTEM TECHNOLOGIES, INC. (1)
2002/0011,519 System and method for consumer identification using optical and electronic means 115 2001
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
6188994 Internet billing method 188 1998
 
ZIH CORP. (1)
5519381 Detection of multiple articles 312 1993
 
ENT. SERVICES DEVELOPMENT CORPORATION LP (1)
5996076 System, method and article of manufacture for secure digital certification of electronic commerce 359 1997
 
GULA CONSULTING LIMITED LIABILITY COMPANY (1)
2003/0220,876 Portable electronic authorization system and method 61 2003
 
MONDEX INTERNATIONAL LIMITED (3)
6237848 Reading data from a smart card 115 1994
5778067 Value transfer system 334 1996
6742120 System and method for controlling access to computer code in an IC card 89 1998
 
Kapsch TrafficCom AB (1)
6109525 Method and device for registering vehicles in a road toll facility 155 1998
 
GEMPLUS (1)
6589119 Data and value unit transfer system on slot machine network 91 1999
 
CITICORP CREDIT SERVICES, INC. (USA) (7)
6012049 System for performing financial transactions using a smartcard 211 1998
6510983 System and method for transferring value to a magnetic stripe on a transaction card 154 1998
2001/0013,542 SYSTEM AND METHOD FOR TRANSFERRING VALUE TO A MAGNETIC STRIPE ON A TRANSACTION CARD 30 1998
2002/0062,284 METHOD AND SYSTEM OF CONTACTLESS INTERFACING FOR SMART CARD BANKING 143 1999
6289324 System for performing financial transactions using a smart card 185 2000
6687714 Method and system for managing transaction card data 94 2000
2004/0010,462 Method and system for a multi-purpose transactional platform 251 2003
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (4)
6177860 Method and economical direct connected apparatus for deploying and tracking computers 244 1998
6481621 System method and article of manufacture for accessing and processing smart card information 112 1999
2002/0095,587 Smart card with integrated biometric sensor 220 2001
6760581 System and method for improved mobile phone functionality 99 2001
 
TRACFONE WIRELESS, INC. (1)
6650887 Mobile phone system with host processor coordination and internal mobile phone accounting capabilities 254 2000
 
Fairmount Chemical Company, Inc. (1)
4672021 Contrast enhancement layer composition with naphthoquinone diazide, indicator dye and polymeric binder 102 1985
 
LUCENT TECHNOLOGIES INC. (3)
5544246 Smartcard adapted for a plurality of service providers and for remote installation of same 426 1993
5608778 Cellular telephone as an authenticated transaction controller 248 1994
5898783 System and method for employing a telecommunications network to remotely disable a SIM or smartcard 158 1996
 
FIRST AMERICAN CMSI (1)
5878403 Computer implemented automated credit application analysis and decision routing system 571 1995
 
FUJITSU LIMITED (4)
6129274 System and method for updating shopping transaction history using electronic personal digital shopping assistant 461 1998
6513015 System and method for customer recognition using wireless identification and visual data transmission 204 1998
6179206 Electronic shopping system having self-scanning price check and purchasing terminal 255 1998
6608995 Detection circuit for proximity IC card device 85 2000
 
MOTOROLA, INC. (2)
5221838 Electronic wallet 651 1992
2003/0112,972 Data carrier for the secure transmission of information and method thereof 92 2001
 
Mikos, Ltd. (1)
2002/0140,542 Personal biometric key 112 2002
 
INFINEON TECHNOLOGIES AG (1)
5809633 Method for producing a smart card module for contactless smart cards 153 1997
 
NET1 HOLDINGS S.A.R.L. (1)
RE36788 Funds transfer system 153 1997
 
MFH, LLC (1)
6609655 Smart card system for providing financial, travel, and entertainment-related services 119 2000
 
FIRST DATA CORPORATION (1)
6141651 Funding and settlement integrated suspense processing system 159 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 233 1995
6112152 RFID system in communication with vehicle on-board computer 267 1999
6693513 Wireless identification device, RFID device with push-on/push off switch, and method of manufacturing wireless identification device 146 2002
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5698837 Method and system for identifying and communicating with a plurality of contactless IC cards 201 1995
 
DH TECHNOLOGY, INC. (1)
5331138 Hybrid card reader 105 1992
 
BLOCK FINANCIAL LLC (1)
6014645 Real-time financial card application system 529 1996
 
ANDREWS, GEORGE F. (1)
5099226 Intelligent security system 163 1991
 
Inventec Electronics (Shanghai) Co., Ltd. (1)
6628961 Device and a method for connecting a mobile phone handset to an external keyboard 91 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 434 1996
5987140 System, method and article of manufacture for secure network electronic payment and credit collection 408 1996
5983208 System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 311 1996
6002767 System, method and article of manufacture for a modular gateway server architecture 296 1996
6072870 System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architecture 443 1996
5931917 System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browser 376 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 381 1996
 
ENGINEERED MATERIALS SOLUTIONS, INC. (1)
5226989 Method for reducing thickness of a titanium foil or thin strip element 80 1991
 
BRIDGEPOINT SYSTEMS, INC. (1)
6223984 Distinct smart card reader having wiegand, magnetic strip and bar code types emulation output 206 1997
 
ISLIP TECHNOLOGIES LLC (1)
6325285 Smart card with integrated fingerprint reader 275 1999
 
MORPHO (1)
6494380 IC card having fingerprint sensor designed to withstand bending 85 2001
 
JPMORGAN CHASE BANK, N.A. (1)
2003/0187,787 System and process for performing purchase transactions using tokens 158 2003
 
PEN-ONE ACQUISITION GROUP, LLC (1)
2002/0178,369 Pen-based transponder identity verification system 28 2001
 
OBERTHUR CARD SYSTEMS SA (1)
6484937 Method for storing data in a chip card rewritable memory 116 1999
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
5721781 Authentication system and method for smart card transactions 705 1995
 
FUJITSU SEMICONDUCTOR LIMITED (1)
2003/0183,699 Semiconductor integrated circuit, radio frequency identification transponder, and non-cotact IC card 23 2002
 
Konica Corporation (1)
5407893 Material for making identification cards 123 1993
 
VENDING MANAGEMENT SERVICES LIMITED (1)
2003/0057,226 Vending machine inventory system and method 18 2001
 
WALKER DIGITAL, LLC (1)
2003/0177,347 Methods and apparatus for awarding prizes based on authentication of computer generated outcomes using coupons 179 2002
 
GENERAL ELECTRIC COMPANY (1)
6626356 Multi-use credit card for financial transactions and vehicle configuration 86 2001
 
TRANSMO LIMITED (1)
6510998 Card charging system 128 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 387 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 226 1998
6402028 Integrated production of smart cards 190 1999
6481632 Delegated management of smart card applications 163 1999
 
TADASHI ETOH (INDIVIDUAL) (1/2 OF RIGHT) (1)
6260026 Credit card information management system 141 1997
 
PAYTRONIX SYSTEMS, INC. (1)
2003/0009,382 Customer identification, loyalty and merchant payment gateway 278 2002
 
DRESSER, INC. (1)
2003/0025,600 Wireless communication in a retail refueling environment 88 2001
 
Dell USA, L.P. (1)
5606594 Communication accessory and method of telecommunicating for a PDA 222 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 36 2001
 
SAT Corporation (1)
6480100 Radio frequency identification tag formatting method 153 2001
 
CITICORP (3)
5485510 Secure credit/debit card authorization 476 1994
* 6023682 Method and apparatus for credit card purchase authorization utilizing a comparison of a purchase token with test information 82 1997
6052675 Method and apparatus for preauthorizing credit card type transactions 216 1998
 
RELIANCE DATA, L.P. (1)
* 5438186 Multi-reader transaction terminal 121 1994
 
WI-LAN TECHNOLOGIES INC. (1)
6684269 System and method for enabling transactions between a web server and a smart card, telephone, or personal digital assistant over the internet 159 2002
 
TGIP, INC. (1)
5577109 Pre-paid card system and method 521 1995
 
EASTMAN KODAK COMPANY (2)
2003/0069,828 System for and managing assets using priority tokens 159 2001
2003/0227,550 System and method for providing a customized imaging product or service 84 2002
 
WM. WRIGLEY JR. COMPANY (1)
2002/0095,343 Apparatus and method for providing point of purchase products 80 2001
 
Related Energy & Security (1)
4475308 Revolving door system 90 1982
 
FRANCE TELECOM (1)
2003/0163,699 Cryptography method and smart cards microcircuit 79 2003
 
F. POSZAT HU, L.L.C. (1)
6219439 Biometric authentication system 365 1999
 
TRASMO LIMITED (1)
6364208 Card changing system 93 1999
 
AT&T CORP. (2)
5845267 System and method for billing for transactions conducted over the internet from within an intranet 371 1996
6024286 Smart card providing a plurality of independently accessible accounts 215 1997
 
AMERICAN EXPRESS TRAVEL RELATED SERVICES COMPANY, INC. (3)
D442627 Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chip 129 1999
D442629 Card with an ornamental rectangle 107 1999
D447515 Card with an ornamental rectangle 120 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 3 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