US20080021826A1 - Customer Activated Multi-Value (CAM) Card - Google Patents
Customer Activated Multi-Value (CAM) Card Download PDFInfo
- Publication number
- US20080021826A1 US20080021826A1 US11/830,450 US83045007A US2008021826A1 US 20080021826 A1 US20080021826 A1 US 20080021826A1 US 83045007 A US83045007 A US 83045007A US 2008021826 A1 US2008021826 A1 US 2008021826A1
- Authority
- US
- United States
- Prior art keywords
- card
- customer
- cam
- credit
- credit card
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Images
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/355—Personalisation of cards for use
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3572—Multiple accounts on card
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/357—Cards having a plurality of specified features
- G06Q20/3574—Multiple applications on card
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4037—Remote solvency checks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
Definitions
- the invention generally relates to transaction and payment cards, including credit cards, bank cards, debit cards, telephone calling cards and the like, and more particularly to a transaction card or payment card which can be activated to have an alternative or secondary use as a credit card by adding a credit feature.
- One of the most appealing features of a credit card purchase is that it allows customers to buy now and pay later.
- Another advantage is that some credit cards permit customers to establish direct relationship with specific types of business, for example, a telephone calling card or a gasoline product payment card.
- a gasoline product card With a gasoline product card, a cardholder has the convenience of purchasing gasoline products from a specific oil company, without conducting a cash transaction, and receiving one itemized bill at the end of the billing period.
- the itemized billing statement is beneficial for providing businesses or entrepreneurs with a detail summary, at the end of the month or year, of the amount of gasoline which was purchased during the time period and an easy method to calculate business-related mileage driven during the time period.
- Another enticement of credit card usage is that some credit card issuers offer to their customers “reward points or reward offers” as an incentive to increase the amount of the customer's purchases or to increase the frequency in which the customer transacts purchases with their credit card.
- VISA® and MASTERCARD® are widely accepted, no one card has been accepted universally. Regardless of the fact that VISA® and MASTERCARD® can be used to perform other types of transactions, the usage of a VISA® or MASTERCARD® for the purchase of gasoline or a telephone call usually does not allow the customer to establish a direct relationship with the individual companies enacting the transaction.
- VISA® and/or MASTERCARD® can be more expensive for a merchant because this transaction is treated as a purchase on the VISA® or MASTERCARD® credit card account for which the merchant often pays a transaction fee.
- customers may incur additional expenses when using VISA® and/or MASTERCARD® to perform different types of transactions. For instance, when a customer uses her VISA® credit card to make a telephone call, the telephone company determines the amount of the telephone call and bills the amount directly to the customer's VISA® account.
- the amount is then entered as a purchase onto the customer's VISA® account and if the customer fails to pay the entire balance by the next billing cycle, the customer also incurs an additional charge based on the current interest rate associated with the account until the entire VISA® account is paid in full. Therefore, a need still exists for a cost-effective method which provides a customer the convenience of using one card which can be easily activated to perform different functions, establish different relationships with different industries (e.g., a phone card, a gas card, a catalog purchasing card, or a dining card) and offer rebate incentives.
- industries e.g., a phone card, a gas card, a catalog purchasing card, or a dining card
- the normal credit card issuance process begins when the prospective customer receives direct marketing material in the mail or at a merchant's location. Within the next 7-14 days, the prospective customer reads the approximately 500-800 word application, completes the application and returns the application to the credit card issuer through the mail system. Once mailed, it takes another 3-4 days for the paper application to travel through the postal system. The credit card issuer receives the paper application, and over the next 10-20 days, the credit card issuer processes the application to determine whether to accept or decline the customer's application.
- the customer receives a written response within 5 to 7 days as to whether their application is accepted or declined. If the application is accepted, a functioning credit card often will be included in the written response. After 1 to 5 days, the customer will read the 800-1500 word credit card agreement and then will activate the credit card telephonically before it can be used. However, not all credit card issuers take the additional measure of requiring telephonic activation; some may use a less secure method of mailing active cards.
- the Customer Activated Multi-Value (CAM) card provides a customer with a transaction card with a primary use that is not a credit use, to which the customer can add a credit card feature, as well as other features which can be added to enhance the transaction card's usage.
- the Customer Activated Multi-Value card can be activated as a non-credit transaction card (e.g., a phone card, a gasoline product card, a catalog purchasing card, a dining card, or the like) or as a transaction card with a credit card feature.
- Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor or several specific vendors and to establish a relationship with each vendor for goods or services rendered (for example, a stored-value telephone calling card or gasoline product purchasing card).
- An additional enhancement of the CAM card is a rewards feature.
- the “reward dollars” can be redeemed or spent at the specific vendor or at any other merchant that accepts the transaction logo or mark displayed on the card.
- Another feature of the CAM card is that it provides the customer with the option to add a credit card feature to the transaction card. By adding the secondary credit card feature to the CAM card, the customer is able to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, DISCOVER® or the like.
- the “reward dollar” points may be used as a credit against the secondary credit feature to reduce the balance of the secondary credit card feature.
- the open-to-buy amount is equal to the amount of reward dollars accrued.
- the reward dollars of the present invention differs from the reward points disclosed in U.S. Pat. No. 5,025,372, assigned to Meridian Enterprises, Inc. (the “Meridian patent”).
- a participant in the incentive award program disclosed in the Meridian patent must initially reach certain goals or levels of performance.
- the CAM card does not require the customer to achieve a certain goal or level of performance in order for the customer to receive a credit towards their primary transaction card or secondary credit card feature.
- the CAM card customer automatically receives a credit every time the customer uses her primary transaction card to transact a purchase. A certain percentage of the total amount spent during each transaction will be used as a credit towards the balance of the customer's secondary credit card feature, or transaction card feature.
- the activation process for the CAM is an automated process which significantly reduces the time in which a customer normally has to wait before she can use an active credit card.
- the automated activation process of the CAM card provides customers with a secure, quick and easy activation process for selecting one or more of the described options.
- the overall activation process from the date on which the prospective customer receives the direct mail marketing piece, which includes an inactive CAM card, to the date the prospective customer has a functioning transaction card and/or credit card is reduced from an estimated average of 26-50 days to 1-5 days.
- the number of distinct steps that the customer performs to possess a functioning credit card decreases by approximately 80%.
- the process for having an active credit card decreases from an estimated average of 10 steps practiced in the traditional process to two steps employed by the novel automated activation process of the CAM card.
- the prospective customer Upon receipt of the CAM card, the prospective customer reads the marketing material and if she wishes to add the credit card feature she then reads the 800-1500 word cardmember agreement.
- the prospective customer telephones the CAM activation center and the customer's activation request is automatically processed over the telephone by a live operator or voice response unit (VRU).
- VRU voice response unit
- the customer may use a personal computer, the Internet or the like to activate the CAM card.
- One object of the present invention is a transaction card which has a “sustainable and independent use” and to which a credit card feature can be added at the prospective customer's request.
- Another object of the present invention is to improve the efficiency of the overall process of obtaining a credit card by reducing the time from when a prospective customer receives the marketing information to the time the customer has a functioning transaction card and credit card.
- Another object of the present invention is to decrease the number of distinct steps that a customer performs to receive a functioning credit card from an estimated average of 10 steps to 2 steps.
- Another object is to have customers activate their transaction card and add their credit card feature automatically versus applying for a transaction card or credit card by completing a paper application which is sent through the mail; thus easing the application process and enhancing the card's security features.
- the activation process between the customer and the process center include several levels of safety features built into the system in order to deter theft and/or fraud.
- Another object is that the reward dollars may be used as a credit against the secondary credit feature to reduce the balance of the secondary credit card feature.
- FIG. 1 is a flow diagram of the overall process of the present invention.
- FIG. 2 is a flow diagram of the activation process of the present invention.
- FIG. 3A is a flow diagram of the activation process of the present invention.
- FIG. 3B is a flow diagram of the activation process of the present invention.
- FIG. 3C is a flow diagram of the activation process of the present invention.
- FIG. 3D is a flow diagram of the activation process of the present invention.
- the present invention relates to a computer program utilized in conjunction with a transaction card which can be activated automatically and to which the recipient can add a credit card feature as a secondary use card.
- the CAM card system ( 10 ) provides customers with a relatively quick and efficient method of obtaining a transaction card which can also function as a credit card or other secondary use, if activated to do so.
- CAM card accounts are prebuilt ( 15 ).
- the prebuilt accounts ( 15 ) provide the system with the capability of automatically activating the customer's account when the customer calls to activate the transaction card ( 25 ).
- the prebuilt accounts ( 15 ) are built with a frozen or inactive status; in case the cards are lost or stolen, they cannot be used unless they have been properly activated through the CAM activation process.
- an embossing file is created for each prebuilt account.
- the embossing file is used to emboss the cards with the customers' name and account number.
- a solicitation, containing the marketing information, is mailed to each customer with a personalized, embossed card enclosed ( 20 ).
- the prospective customer receives the solicitation, she reads the materials and, if interested, calls the number listed in the package to activate the transaction card ( 25 ).
- the prospect is verified during the activation call ( 30 ).
- the safety features are designed to prompt the system to ask the person calling several different questions to ensure that the person calling is the intended customer. If the prospect is not verified, the call is closed ( 40 ). If the person is verified, the system advances to the secondary credit card feature offer ( 45 ). The customer is asked by the customer service representative whether the customer wants to add the secondary credit card feature ( 47 ). If no, the primary transaction card will be immediately activated ( 50 ).
- a credit application will be completed ( 55 ) and automatically decisioned ( 60 ) during the activation call. If approved ( 63 ), the primary transaction card including the credit card feature will be activated ( 65 ). If the credit application is not approved, only the primary transaction card will be activated ( 70 ) automatically during the telephone call.
- FIG. 2 illustrates the activation options available to the customer through the CAM card system ( 71 ).
- the customer may decide to activate the primary transaction card feature only ( 72 ). Furthermore, the customer may decide to activate the primary transaction feature and add any additional feature(s) ( 73 ). In addition to obtaining the primary transaction card, the customer may wish to add the secondary credit card feature ( 74 ).
- Another option provided to the customer is a card that includes the primary transaction card, the secondary credit card feature and any additional features that the CAM system may offer ( 75 ).
- FIGS. 3A-3D illustrate the basic embodiment of the CAM card activation process telephonically interacting with a live operator, however, a customer may activate the CAM card through the use of a computer, the Internet or the like interacting with a live operator, VRU or a computer.
- the CAM activation process may be activated by two different initialization processes, the Inbound Call process or Outbound Telemarketing process.
- the Inbound Call activation process shown in FIG. 3A begins when a prospective customer receives the direct marketing mail piece which contains an inactive transaction card and the optional secondary credit feature terms and conditions. As detailed in FIG.
- the customer contacts the CAM card automated activation process center ( 71 ) to activate the transaction card ( 72 ), to activate the transaction card and the secondary credit card feature ( 73 ) or to activate the transaction card, the secondary credit card feature and any additional features ( 74 ).
- the customer receives a customized message ( 100 ) until the next customer service representative is available.
- the CAM system automatically initiates the activation process by maneuvering the customer through several levels of safety features built into the system.
- the safety features are designed to ask the person calling several different questions to ensure that the person calling is the intended customer.
- the system initiates the Automatic Number Identification (ANI).
- ANI Automatic Number Identification
- the ANI automatically checks the telephone number from which the telephone call is made versus the telephone number stored in the system and automatically displayed by the caller identification feature of the system on the GUI ( 98 ). If the caller's stored telephone number matches the telephone number from which the caller is calling and the caller informs the customer service representative that he is not interested in participating in any of the services offered, the customer service representative attempts to find out the reason why the customer is disinterested in the program and enters this information into the system ( 32 ). The customer service representative closes the call ( 33 ) and updates the file on First Data Resources (FDR) ( 120 ).
- FDR First Data Resources
- FDR is the data processing and statement generating company used by First USA to maintain First USA's credit card account records.
- FDR ( 120 ), the data processor, receives data as to all charges made on the credit card and posts them to the customer's First USA credit card billing statement.
- FDR also maintains the CAM-card customers' and potential customers' files.
- the system ( 10 ) instructs the customer service representative to ask the caller for the account number shown on the transaction card ( 36 ).
- the system prompts the customer service representative to ask the caller whether she is the person whose name is listed on the transaction card ( 39 ).” If the caller informs the representative that she is not the person whose name is printed on the transaction card, the customer service representative will inform the caller that the transaction card may be activated only by the person whose name is listed on the card. The customer service representative will then request to speak with the person originally solicited ( 47 ) and that the person solicited must call back to activate the card.
- the customer service representative requests whether the caller is calling from home ( 41 ). If the customer indicates that she is calling from home, the system ( 10 ) instructs the customer service representative to request the customer's telephone number for the Outbound Telemarketing to call the prospective customer ( 110 ) back at a later date. The customer service representative closes out the call since the verification of the customer has failed. The file is updated on FDR ( 120 ). The activation center will forward the file to the Outbound Telemarketing process where the customer service representatives will use the newly obtained telephone number to call the prospective customer back, and once the customer identification is verified, the system will attempt the activation process again.
- the customer service representative informs the customer to call back at a later date from her home telephone ( 100 ).
- the customer service representative will ask the customer for their social security number ( 42 ). If the last four digits do not match the customer's social security number stored in the system ( 43 ), the system returns to Block ( 110 ) where the customer service representative requests the customer's telephone number for the Outbound Telemarketing process to call the prospective customer back at a later date. The customer service representative closes out the call since verification of the customer has failed.
- the file is updated on FDR ( 120 ).
- the activation center will forward the file to the Outbound Telemarketing process where the customer service representatives will call the prospective customer back at a later date and attempt the activation process again once the customer identification is verified.
- the system ( 10 ) displays the customer's account number.
- the customer service representative requests the last eight digits of the account number ( 37 ) on the transaction card. If the account number given ( 51 ) by the customer fails to match ( 53 ) the account number stored in the system or if the customer informs the customer service representative that he or she is unable to provide the transaction card, the system will advance to Block ( 54 ).
- the customer service representative will ask for the customer's telephone number, and the system will automatically forward the customer's account to the Outbound Telemarketing process so that a call can be made to the customer at a later date ( 54 ).
- the customer service representative closes out the call since verification of the customer has failed and updates the file on FDR ( 120 ).
- the customer has cleared/passed the initial safety precautionary levels and the system automatically moves into the eligibility check ( 130 ).
- Passing the initial safety level means that the ANI ( 98 ) correctly identified the caller's telephone number, the eight digit account number provided by the customer matched the information stored within the system and the caller has satisfied all other security checks of the system. Presumptively, clearance of the security check indicates that the “prospective” customer is the person calling to activate the card and has possession of the transaction card.
- the system ( 10 ) passes the initial safety precautionary questions and automatically performs the eligibility check.
- the eligibility check determines what services, if any, the customer has already activated. For a customer who has previously activated the CAM card, the eligibility check ( 130 ) also enhances the system's efficiency by preventing the customer from duplicating the initial activation steps each time the customer calls the CAM processing center.
- the system ( 10 ) checks to verify if the FDR system is down ( 122 ). If the FDR is up and operating, the system automatically retrieves the account flags according to the account's current status ( 140 ).
- the system ( 10 ) informs the customer service representative that the customer has been previously declined for the credit feature but rejected the primary transaction card feature. Now, the customer may wish to activate the primary transaction card feature ( FIG. 3D ) or activate the primary transaction use card and reapply for the secondary credit card feature ( FIGS. 3B, 3C and 3 D). After the system performs the eligibility check of Block ( 140 ), the customer's account is forwarded to either FIG. 3B, 3C , or 3 D, depending upon the services desired by the customer ( 173 ).
- the customer service representative asks the customer if she has already activated the transaction card ( 123 ). If the answer is yes, the customer service representative refers the customer's account to the secondary credit card feature offer or to primary transaction card use provider, as appropriate ( 124 ). If the answer to Block ( 123 ) is “no”, then the customer service representative transfers the account to Block ( 150 ). The customer is then transferred to block 160 where he is transferred to 3 B, 3 C, and 3 D.
- the customer service representative After the customer service representative has made his pitch to the customer to accept the credit card feature ( 200 ) and the customer accepts ( 210 ), the customer is asked by the customer service representative their birthday ( 220 ). If the customer is less than 18 years old, the customer cannot be offered the secondary credit card feature; they can only be offered the primary transaction card use ( 240 ). Therefore, the system will forward the customer's account to the primary transaction card use offer ( 240 ) which is discussed in FIG. 3D .
- Block ( 210 ) if the prospect declines to accept the offer, the customer service representative makes a rebuttal offer in Block ( 215 ). This rebuttal is another attempt to get the customer to accept the secondary credit card feature. If the customer declines the credit card feature, the system moves to Block ( 240 ) and forwards the customer's account to the primary use offer, in FIG. 3D .
- the customer service representative will process the customer's credit card application directly over the phone ( 270 ).
- the information required from the customer to process their credit request over the telephone is the customer's birth date, name, address, and business or home telephone number.
- the customer service representative will verify the customer's name, address, and, as previously discussed, that the customer service representative is speaking to the person on file ( 280 ). If there has been a change in the caller's name or address, the customer service representative will also perform another safety level check ( 285 ). If there has been a change in the customer's address, the system will forward to Block ( 286 ).
- Block ( 286 ) the system moves to Block ( 287 ) where the customer service representative is prompted to ask the customer if the card is in the caller's possession. If the answer is yes, the card can be activated. The customer will give the customer service representative their new address and telephone number. In Block ( 291 ), the customer service representative will then ask the customer “how long have you lived at your present address.” If the answer is less than two years ( 292 ), the customer service representative will request the customer's previous address ( 293 ). The system ( 10 ) then moves to Block ( 295 ) where the customer is requested to give his full social security number.
- the customer service representative will try a rebuttal or a second attempt to get the customer to give their full social security number ( 307 ). If the customer still refuses to give his or her social security number, the customer service representative will get the customer's home phone number ( 302 ) and will then move to Block ( 303 ) to get the customer's business phone number. The system ( 10 ) then moves to Block ( 301 ) where it transfers the customer's account to Block ( 310 ) in FIG. 3C .
- Block ( 304 ) if the customer refuses to give his business number, then the system moves to Block ( 304 ). If both the home and business phone numbers are both 9's, the system will forward the account to Block ( 321 ), where the customer will be offered primary transaction card use services only. Referring to Block ( 292 ), if the customer has lived at the present address for more than two years, the customer service representative is not required to get the customer's previous address.
- Block ( 285 ) the system documents a change in the customer's name. If there has been a name change ( 282 ), the customer service representative will inquire whether the caller is the prospective customer listed on the transaction card ( 288 ). If the answer is “yes”, the customer service representative will ask the customer, according to Block ( 287 ), is the card in the caller's possession. If the answer to Block ( 287 ) or ( 288 ) is “no”, the customer service representative closes the call because the verification has failed ( 290 ). If the answer to Block ( 287 ) is “yes”, the card can be activated under Block ( 289 ) and the system ( 10 ) follows the same procedure discussed above.
- the customer service representative requests the customer's total annual household income ( 310 ). If the customer knows his income ( 315 ) and provides the customer service representative with this information, the system then moves to Block ( 320 ) to get the customer's mother's maiden name or the customer may provide a password. Returning to Block ( 315 ), if the customer is unaware of his income or does not wish to provide his exact income, the customer is asked to give an income range ( 330 ). If the customer refuses to give an income range, the customer service representative attempts a second rebuttal to get the customer's income ( 331 ).
- the customer service representative After the rebuttal in Block ( 331 ), the customer service representative gets the customer's mother's maiden name or password in Block ( 320 ). Then the customer service representative explains the process for obtaining a credit report for the customer in Block ( 332 ). If the customer does not wish to continue with the credit check ( 360 ), the customer account is transferred by the system and will be offered the primary transaction card use only ( 370 ). If the customer agrees to the credit check ( 360 ), the system connects to the credit card authorization process (ZOOT) under Block ( 380 ). If the credit card authorization process is down ( 390 ), the system moves to Block ( 400 ).
- ZOOT credit card authorization process
- Block ( 400 ) the system will then activate the transaction card use only and instruct the customer service representative to inform the customer to call back at a later time or the customer service representative will forward the customer's account to the outbound calling database so that the customer may be called back at a later date in order to activate the secondary credit card feature.
- the system performs the credit check. If the applicant is not approved for the credit card in Block ( 420 ), the customer account is transferred by the system and the customer will be offered the primary transaction card in FIG. 3D ( 510 ). If the customer is approved, the system is routed to Block ( 430 ) and automatically returns a credit line based upon the customer's credit check.
- the customer service representative is instructed by the system ( 10 ) to solicit a balance transfer from another credit card to the newly approved credit card ( 440 ). If the customer declines the balance transfer offer ( 450 ), the system ( 10 ) sends the account to Block ( 370 ) where the account is automatically processed for the primary transaction card feature.
- Block ( 450 ) if the customer agrees to a balance transfer, the balance transfer process is initiated.
- the system transfers to Block ( 401 ) where the customer is asked, “whether the credit card in which they would like to transfer the balance from is a First USA credit card or not.” If the answer is “yes”, the balance transfer cannot be performed. If the answer is “no”, the customer then provides the name of the major credit card account from which the balance is to be transferred.
- Block ( 451 ) if the balance is being transferred from a major credit card account, the customer service representative requests the account number and the amount under Block ( 453 ).
- Block ( 452 ) the customer service representative is instructed in Block ( 452 ) to get the account number information and the vendor's name and address. If the customer is unable to provide the vendor's name or address, the balance transfer cannot be processed without this necessary information.
- the customer service representative is instructed to solicit a second balance transfer in Block ( 454 ).
- Block ( 457 ) the customer service representative obtains the customer's account number and the amount that the customer would like to transfer.
- the balance transfer process is initiated once again under Block ( 450 ).
- the customer service representative asks the customer “whether she would like to have a second balance transferred or not.” If the customer answers “yes,” the customer service representative asks what major credit card account would the customer like to transfer the amount from. If it is a major credit card, under Block ( 461 ), the customer service representative enters the account name, number and amount to be transferred under Block ( 463 ). The system transfers the customer's file to Block ( 460 ). Referring back to the second balance transfer in Block ( 454 ), if the credit card is not a major credit card under Block ( 461 ), the customer service representative requests the account information and the vendor's address under Block ( 462 ).
- Block ( 460 ) the balance transfer disclosure information appears on the system's GUI and the customer service representative reads the balance transfer disclosure information to the customer.
- a condition of the CAM card is that if the customer is approved for and accepts the secondary credit card feature, the customer must also agree to accept the primary transaction card feature.
- the system ( 10 ) automatically forwards the customer's account to the primary transaction card offer in FIG. 3D for processing.
- the customer service representative asks the customer whether or not they would like to accept the primary transaction card feature ( 510 ). If the customer declines the primary transaction card offer ( 520 ), the customer's account cannot be activated to receive any services. Thus, the customer service representative ends the telephone call ( 530 ), closes out the account and updates the file on FDR ( 540 ). If the customer has been approved for the secondary credit card feature and now indicates in Block ( 520 ) that she does not wish to activate the primary transaction card, the system ( 10 ) prompts the customer service representative to remind the customer that the credit card application is contingent upon her acceptance of the primary transaction card. If the customer still declines the primary transaction card, the customer's account will be closed out. The customer service representative will end the call ( 530 ) and then update the account on FDR in Block ( 540 ).
- Block ( 550 ) the customer is asked to provide a four-digit PIN number.
- the payment source can be a check, credit card or debit card. If the customer wishes to pay by check, the customer simply mails a check to First USA and once the check is approved, the amount of the check is entered as the payment source for the customer's primary transaction card use.
- a customer wishing to establish her payment source by check may have her check automatically processed during the telephone call.
- the customer authorizes First USA to charge the customer's credit card account or debit card account for the payment source amount.
- the credit card or debit card can be a First USA card or another major credit card or debit card.
- the customer may recharge the payment source by adding a new amount to their payment source account by credit card, debit card transfer, or by check.
- Block ( 580 ) the customer call is closed out and the customer's account is transferred to Blocks ( 600 ), ( 605 ) and ( 610 ), which will be discussed below.
- the system ( 10 ) inquires as to whether or not the customer has a First USA credit card account which has an available credit limit greater than 0 ( 620 ).
- the secondary credit card feature obtained in FIGS. 3B and 3C can also serves as the First USA credit card. If the customer responds affirmatively in Block ( 620 ), the customer service representative attempts to persuade the customer to use her FIRST USA credit card as her payment source. If the customer has enrolled in the secondary credit card feature, the system prompts the customer service representative to ask the customer, “whether she would like to have her payment source amount of the primary transaction card posted on her new secondary credit card feature account” ( 630 ).
- Block ( 640 ) If the customer decides not to establish her credit card with a First USA credit card, the system advances to Block ( 640 ). If the customer agrees in Block ( 630 ) to have any charges incurred on her primary transaction card posted on her secondary credit card or her First USA credit card, the CAM card activation process is then complete. The system automatically closes the call in Block ( 580 ).
- Block ( 620 ) If in Block ( 620 ) the customer has previously declined the secondary credit card offer or if the customer's credit application for the secondary credit card has been rejected, the customer may wish to reapply for the secondary credit card in Block ( 650 ).
- Block ( 640 ) the customer service representative asks the customer to provide information such as the credit card or debit card provider, the credit or debit card account number and/or expiration date of the credit or debit card.
- the CAM card activation is complete. The system automatically closes the call ( 580 ) and advances the customer's account to Blocks ( 600 ), ( 605 ) and/or ( 610 ).
- Block 600 the system generates a reject/decline letter, the balance transfer information is complied, a risk report is generated, and/or any other necessary information is generated, compiled or processed.
- the subroutine of Block ( 605 ) forwards the customer activation records to the primary transaction card use provider.
- the customer's account is updated on FDR in Block ( 610 ).
- the system includes the “reward dollars” feature, as an additional feature, to the customer's account.
- the “rewards” points may be used as a credit against the secondary credit feature to reduce the balance of the primary transaction card feature or the secondary credit card feature.
- the customer may spend her reward dollars in at retail outlets that accept MASTERCARD®, VISA®, AMERICAN EXPRESS®, DISCOVER® or the like.
- the accrued reward points may be used to obtain certain types of gifts, vacations, or other types of prizes offered through award incentive programs.
- the reward dollars feature is just one example of the additional use features. Other additional use features are available at the customer's option, such as a travel program, a Christmas savings plan or a gift purchasing program are available at the customer's options.
- the Outbound Telemarketing Activation process is similar to the Inbound Telemarketing Process, with few exceptions.
- the scripting read by the customer service representative to the customer is different to reflect the outbound nature of call, verification is different (since our in-house representatives are contacting offerees in their own home), and population file is different (those who are already activated, or those who have requested not to be solicited are not called).
- the Outbound Telemarketing Activation process is initiated by an outbound customer service representative calling a prospective customer. Once the prospect is obtained, the Outbound process is the same as the Inbound process, discussed above and illustrated in FIGS. 3A-3D .
Abstract
The Customer Activated Multi-Value (CAM) card provides a customer with a primary use as a transaction card which can be further activated to have a secondary use as a credit card. The CAM card can be activated as a transaction card or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor and to establish a relationship with that vendor for the goods or services rendered (for example, telephone calling card or gasoline product purchasing card) while enjoying reward benefits based on those purchases. Activation of the credit feature of the card allows the customer to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, or DISCOVER®. The combination of features allows a customer to purchase various goods and services from several different merchants. If the customer chooses to activate the CAM card as both a transaction card and a credit card, the customer is given the benefit of using the card in both manners described above.
Description
- This application is a continuation of U.S. patent application Ser. No. 10/917,885, filed on Aug. 13, 2004, currently pending, which is a continuation of U.S. patent application Ser. No. 10/370,227 filed on Feb. 20, 2003, now U.S. Pat. No. 7,072,864, which is a divisional of U.S. patent application Ser. No. 09/505,189 filed on Feb. 16, 2000, now U.S. Pat. No. 6,865,547, which is a continuation application of U.S. patent application Ser. No. 09/193,712 filed on Nov. 17, 1998, now U.S. Pat. No. 6,032,136. The contents of all of the above-listed patents and applications are hereby incorporated by reference herein.
- The invention generally relates to transaction and payment cards, including credit cards, bank cards, debit cards, telephone calling cards and the like, and more particularly to a transaction card or payment card which can be activated to have an alternative or secondary use as a credit card by adding a credit feature.
- Today, credit card usage is virtually a part of a customer's daily life because customers recognize the many advantages of obtaining credit cards. For example, credit cards are safer to carry than money, and they can help a customer to establish a good credit rating. Additionally, they can serve as a source of convenience should the customer need to make an unexpected purchase for which they may not have the cash immediately available. As a result of this growing trend, the credit card industry is a booming and profitable industry; thus, customers are constantly inundated with many different credit card offers. For example, customers are offered department store credit cards, gasoline product cards (oil companies), telephone calling cards, VISA® credit cards, MASTERCARD® credit cards, AMERICAN EXPRESS® credit cards, debit cards, and/or the like.
- One of the most appealing features of a credit card purchase is that it allows customers to buy now and pay later. Another advantage is that some credit cards permit customers to establish direct relationship with specific types of business, for example, a telephone calling card or a gasoline product payment card. With a gasoline product card, a cardholder has the convenience of purchasing gasoline products from a specific oil company, without conducting a cash transaction, and receiving one itemized bill at the end of the billing period. The itemized billing statement is beneficial for providing businesses or entrepreneurs with a detail summary, at the end of the month or year, of the amount of gasoline which was purchased during the time period and an easy method to calculate business-related mileage driven during the time period. Another enticement of credit card usage is that some credit card issuers offer to their customers “reward points or reward offers” as an incentive to increase the amount of the customer's purchases or to increase the frequency in which the customer transacts purchases with their credit card.
- While customers realize the benefits of obtaining several different types of credit cards and establishing several different types of relationships with different types of industries, customers can sometimes be overwhelmed by the sheer volume of credit cards that they need to carry in order to perform daily activities. Although VISA® and MASTERCARD® are widely accepted, no one card has been accepted universally. Regardless of the fact that VISA® and MASTERCARD® can be used to perform other types of transactions, the usage of a VISA® or MASTERCARD® for the purchase of gasoline or a telephone call usually does not allow the customer to establish a direct relationship with the individual companies enacting the transaction.
- Furthermore, using VISA® and/or MASTERCARD® to make a purchase can be more expensive for a merchant because this transaction is treated as a purchase on the VISA® or MASTERCARD® credit card account for which the merchant often pays a transaction fee. Similarly, customers may incur additional expenses when using VISA® and/or MASTERCARD® to perform different types of transactions. For instance, when a customer uses her VISA® credit card to make a telephone call, the telephone company determines the amount of the telephone call and bills the amount directly to the customer's VISA® account. The amount is then entered as a purchase onto the customer's VISA® account and if the customer fails to pay the entire balance by the next billing cycle, the customer also incurs an additional charge based on the current interest rate associated with the account until the entire VISA® account is paid in full. Therefore, a need still exists for a cost-effective method which provides a customer the convenience of using one card which can be easily activated to perform different functions, establish different relationships with different industries (e.g., a phone card, a gas card, a catalog purchasing card, or a dining card) and offer rebate incentives.
- Traditionally, the procedure for obtaining a credit card normally requires several steps which can delay the customer's receipt of a functioning credit card for approximately 26-50 days. The normal credit card issuance process begins when the prospective customer receives direct marketing material in the mail or at a merchant's location. Within the next 7-14 days, the prospective customer reads the approximately 500-800 word application, completes the application and returns the application to the credit card issuer through the mail system. Once mailed, it takes another 3-4 days for the paper application to travel through the postal system. The credit card issuer receives the paper application, and over the next 10-20 days, the credit card issuer processes the application to determine whether to accept or decline the customer's application.
- Thereafter, the customer receives a written response within 5 to 7 days as to whether their application is accepted or declined. If the application is accepted, a functioning credit card often will be included in the written response. After 1 to 5 days, the customer will read the 800-1500 word credit card agreement and then will activate the credit card telephonically before it can be used. However, not all credit card issuers take the additional measure of requiring telephonic activation; some may use a less secure method of mailing active cards.
- The Customer Activated Multi-Value (CAM) card provides a customer with a transaction card with a primary use that is not a credit use, to which the customer can add a credit card feature, as well as other features which can be added to enhance the transaction card's usage. The Customer Activated Multi-Value card can be activated as a non-credit transaction card (e.g., a phone card, a gasoline product card, a catalog purchasing card, a dining card, or the like) or as a transaction card with a credit card feature. Activation of the CAM card as a transaction card allows the customer to purchase goods and services from one specific vendor or several specific vendors and to establish a relationship with each vendor for goods or services rendered (for example, a stored-value telephone calling card or gasoline product purchasing card).
- An additional enhancement of the CAM card is a rewards feature. The “reward dollars” can be redeemed or spent at the specific vendor or at any other merchant that accepts the transaction logo or mark displayed on the card. Another feature of the CAM card is that it provides the customer with the option to add a credit card feature to the transaction card. By adding the secondary credit card feature to the CAM card, the customer is able to interact with any merchant that accepts traditional credit cards such as VISA®, MASTERCARD®, AMERICAN EXPRESS®, DISCOVER® or the like. In addition, the “reward dollar” points may be used as a credit against the secondary credit feature to reduce the balance of the secondary credit card feature. Even if the credit feature is not activated, customers can still earn reward dollars, cashing them in at retail outlets that accept logos printed on the card, such as MASTERCARD®, VISA®, AMERICAN EXPRESS®, DISCOVER®, any other major credit card, debit card, or the like. In this instance, the open-to-buy amount is equal to the amount of reward dollars accrued.
- The reward dollars of the present invention differs from the reward points disclosed in U.S. Pat. No. 5,025,372, assigned to Meridian Enterprises, Inc. (the “Meridian patent”). In order to receive “credits” to or through his or her credit instrument, a participant in the incentive award program disclosed in the Meridian patent must initially reach certain goals or levels of performance. Unlike the Meridian patent, the CAM card does not require the customer to achieve a certain goal or level of performance in order for the customer to receive a credit towards their primary transaction card or secondary credit card feature. The CAM card customer automatically receives a credit every time the customer uses her primary transaction card to transact a purchase. A certain percentage of the total amount spent during each transaction will be used as a credit towards the balance of the customer's secondary credit card feature, or transaction card feature.
- Furthermore, the activation process for the CAM is an automated process which significantly reduces the time in which a customer normally has to wait before she can use an active credit card. The automated activation process of the CAM card provides customers with a secure, quick and easy activation process for selecting one or more of the described options. The overall activation process from the date on which the prospective customer receives the direct mail marketing piece, which includes an inactive CAM card, to the date the prospective customer has a functioning transaction card and/or credit card is reduced from an estimated average of 26-50 days to 1-5 days. The number of distinct steps that the customer performs to possess a functioning credit card decreases by approximately 80%. The process for having an active credit card decreases from an estimated average of 10 steps practiced in the traditional process to two steps employed by the novel automated activation process of the CAM card. Upon receipt of the CAM card, the prospective customer reads the marketing material and if she wishes to add the credit card feature she then reads the 800-1500 word cardmember agreement. The prospective customer telephones the CAM activation center and the customer's activation request is automatically processed over the telephone by a live operator or voice response unit (VRU). As an alternative embodiment, the customer may use a personal computer, the Internet or the like to activate the CAM card.
- One object of the present invention is a transaction card which has a “sustainable and independent use” and to which a credit card feature can be added at the prospective customer's request.
- Another object of the present invention is to improve the efficiency of the overall process of obtaining a credit card by reducing the time from when a prospective customer receives the marketing information to the time the customer has a functioning transaction card and credit card.
- Another object of the present invention is to decrease the number of distinct steps that a customer performs to receive a functioning credit card from an estimated average of 10 steps to 2 steps.
- It is a further object to provide transaction cards imprinted with the prospective customer's name in a direct mail marketing piece versus traditional methods of direct marketing materials including a paper application or response form that is mailed back to the transaction card provider where the transaction card is not sent to the customer until the paper application or response is processed and approved.
- Another object is to have customers activate their transaction card and add their credit card feature automatically versus applying for a transaction card or credit card by completing a paper application which is sent through the mail; thus easing the application process and enhancing the card's security features.
- It is still another object to decrease the chance of credit card fraud by requiring that the prospective customer contact the process center and interact directly with a telemarketing representative.
- It is still another object that the activation process between the customer and the process center include several levels of safety features built into the system in order to deter theft and/or fraud.
- Another object is that the reward dollars may be used as a credit against the secondary credit feature to reduce the balance of the secondary credit card feature.
- It is a further object that even if the credit feature is not activated, customers can still earn reward dollars, cashing them in at retail outlets that accept MASTERCARD® and VISA®.
- It is still another object that, if the customer chooses not to apply for the secondary credit feature, the customer may still select the “rewards dollars” feature where the open-to-buy amount is equal to the amount of reward dollars accrued.
-
FIG. 1 is a flow diagram of the overall process of the present invention. -
FIG. 2 is a flow diagram of the activation process of the present invention. -
FIG. 3A is a flow diagram of the activation process of the present invention. -
FIG. 3B is a flow diagram of the activation process of the present invention. -
FIG. 3C is a flow diagram of the activation process of the present invention. -
FIG. 3D is a flow diagram of the activation process of the present invention. - The present invention relates to a computer program utilized in conjunction with a transaction card which can be activated automatically and to which the recipient can add a credit card feature as a secondary use card.
- The CAM card system (10) provides customers with a relatively quick and efficient method of obtaining a transaction card which can also function as a credit card or other secondary use, if activated to do so.
- Referring to
FIG. 1 , prior to mailing the solicitations, CAM card accounts are prebuilt (15). The prebuilt accounts (15) provide the system with the capability of automatically activating the customer's account when the customer calls to activate the transaction card (25). The prebuilt accounts (15) are built with a frozen or inactive status; in case the cards are lost or stolen, they cannot be used unless they have been properly activated through the CAM activation process. After the prebuilt accounts (15) are established, an embossing file is created for each prebuilt account. The embossing file is used to emboss the cards with the customers' name and account number. A solicitation, containing the marketing information, is mailed to each customer with a personalized, embossed card enclosed (20). Once the prospective customer receives the solicitation, she reads the materials and, if interested, calls the number listed in the package to activate the transaction card (25). In order to deter theft and/or fraud, the prospect is verified during the activation call (30). The safety features are designed to prompt the system to ask the person calling several different questions to ensure that the person calling is the intended customer. If the prospect is not verified, the call is closed (40). If the person is verified, the system advances to the secondary credit card feature offer (45). The customer is asked by the customer service representative whether the customer wants to add the secondary credit card feature (47). If no, the primary transaction card will be immediately activated (50). If the customer wishes to add the credit card feature, a credit application will be completed (55) and automatically decisioned (60) during the activation call. If approved (63), the primary transaction card including the credit card feature will be activated (65). If the credit application is not approved, only the primary transaction card will be activated (70) automatically during the telephone call. - More specifically,
FIG. 2 illustrates the activation options available to the customer through the CAM card system (71). The customer may decide to activate the primary transaction card feature only (72). Furthermore, the customer may decide to activate the primary transaction feature and add any additional feature(s) (73). In addition to obtaining the primary transaction card, the customer may wish to add the secondary credit card feature (74). Another option provided to the customer is a card that includes the primary transaction card, the secondary credit card feature and any additional features that the CAM system may offer (75). -
FIGS. 3A-3D illustrate the basic embodiment of the CAM card activation process telephonically interacting with a live operator, however, a customer may activate the CAM card through the use of a computer, the Internet or the like interacting with a live operator, VRU or a computer. The CAM activation process may be activated by two different initialization processes, the Inbound Call process or Outbound Telemarketing process. The Inbound Call activation process shown inFIG. 3A begins when a prospective customer receives the direct marketing mail piece which contains an inactive transaction card and the optional secondary credit feature terms and conditions. As detailed inFIG. 2 , the customer contacts the CAM card automated activation process center (71) to activate the transaction card (72), to activate the transaction card and the secondary credit card feature (73) or to activate the transaction card, the secondary credit card feature and any additional features (74). - If all customer service representatives are busy addressing other customers' request (97) when the prospective customer contacts the CAM activation processing center, the customer receives a customized message (100) until the next customer service representative is available. Once the next customer service representative is available, the CAM system automatically initiates the activation process by maneuvering the customer through several levels of safety features built into the system. In order to deter theft and/or fraud, the safety features are designed to ask the person calling several different questions to ensure that the person calling is the intended customer.
- Initially, when a caller contacts the CAM activation process center, the system initiates the Automatic Number Identification (ANI). The ANI automatically checks the telephone number from which the telephone call is made versus the telephone number stored in the system and automatically displayed by the caller identification feature of the system on the GUI (98). If the caller's stored telephone number matches the telephone number from which the caller is calling and the caller informs the customer service representative that he is not interested in participating in any of the services offered, the customer service representative attempts to find out the reason why the customer is disinterested in the program and enters this information into the system (32). The customer service representative closes the call (33) and updates the file on First Data Resources (FDR) (120). FDR is the data processing and statement generating company used by First USA to maintain First USA's credit card account records. FDR (120), the data processor, receives data as to all charges made on the credit card and posts them to the customer's First USA credit card billing statement. FDR also maintains the CAM-card customers' and potential customers' files.
- Referring to Block (30), should the customer inform the customer service representative that she wishes to activate the CAM card and if the caller's telephone number fails to match the telephone number stored in the system, the system (10) instructs the customer service representative to ask the caller for the account number shown on the transaction card (36). Referring to Block (38), if the customer fails to respond with a valid account number, the system prompts the customer service representative to ask the caller whether she is the person whose name is listed on the transaction card (39).” If the caller informs the representative that she is not the person whose name is printed on the transaction card, the customer service representative will inform the caller that the transaction card may be activated only by the person whose name is listed on the card. The customer service representative will then request to speak with the person originally solicited (47) and that the person solicited must call back to activate the card.
- Returning to Block (38) if the 13-digit account number fails to match the stored account number and the customer informs the customer service representative that she is the person listed on the card (39), as an additional safety precautionary measure, the customer service representative requests whether the caller is calling from home (41). If the customer indicates that she is calling from home, the system (10) instructs the customer service representative to request the customer's telephone number for the Outbound Telemarketing to call the prospective customer (110) back at a later date. The customer service representative closes out the call since the verification of the customer has failed. The file is updated on FDR (120). The activation center will forward the file to the Outbound Telemarketing process where the customer service representatives will use the newly obtained telephone number to call the prospective customer back, and once the customer identification is verified, the system will attempt the activation process again.
- Returning to Block (41) if the customer is not calling from home, the customer service representative informs the customer to call back at a later date from her home telephone (100). Referring back to Block (38), if the account number given by the customer is a valid account number, the customer service representative will ask the customer for their social security number (42). If the last four digits do not match the customer's social security number stored in the system (43), the system returns to Block (110) where the customer service representative requests the customer's telephone number for the Outbound Telemarketing process to call the prospective customer back at a later date. The customer service representative closes out the call since verification of the customer has failed. The file is updated on FDR (120). The activation center will forward the file to the Outbound Telemarketing process where the customer service representatives will call the prospective customer back at a later date and attempt the activation process again once the customer identification is verified.
- Referring back to (98), if the customer's telephone number matches the ANI number (30) and the customer is interested in activating the card, the system (10) displays the customer's account number. The customer service representative requests the last eight digits of the account number (37) on the transaction card. If the account number given (51) by the customer fails to match (53) the account number stored in the system or if the customer informs the customer service representative that he or she is unable to provide the transaction card, the system will advance to Block (54). In Block (54), the customer service representative will ask for the customer's telephone number, and the system will automatically forward the customer's account to the Outbound Telemarketing process so that a call can be made to the customer at a later date (54). The customer service representative closes out the call since verification of the customer has failed and updates the file on FDR (120).
- Referring back to Block (51), if the 12 digit account number provided by the customer corresponds with the account number stored in the system, the customer has cleared/passed the initial safety precautionary levels and the system automatically moves into the eligibility check (130). Passing the initial safety level means that the ANI (98) correctly identified the caller's telephone number, the eight digit account number provided by the customer matched the information stored within the system and the caller has satisfied all other security checks of the system. Presumptively, clearance of the security check indicates that the “prospective” customer is the person calling to activate the card and has possession of the transaction card. As a result, the system (10) passes the initial safety precautionary questions and automatically performs the eligibility check.
- The eligibility check determines what services, if any, the customer has already activated. For a customer who has previously activated the CAM card, the eligibility check (130) also enhances the system's efficiency by preventing the customer from duplicating the initial activation steps each time the customer calls the CAM processing center. Initially, the system (10) checks to verify if the FDR system is down (122). If the FDR is up and operating, the system automatically retrieves the account flags according to the account's current status (140).
- If the eligibility check is performed and the customer's account is not assigned a flag of H, I or J, this means that the customer has not previously activated any of the credit services (150). The system will advance the customers account to
FIGS. 3B, 3C and 3D respectively, where the customer service representative will attempt to convince the customer activate both the transaction card and add the secondary credit card feature, as well as any other additional features (160). - Returning back to Block (140), if the customer's account generates a flag of H, I or J, this means that the customer has already accepted or activated at least one of the services of the card. If a customer receives a flag of “H,” this indicates that the customer has accepted both the transaction card and added the secondary credit card feature. A customer with a “H” flag may want to request a secondary credit card limit increase or may simply wish to speak with the customer service representative about her account. If the customer receives a flag of “I,” this informs the customer service representative that the customer has been declined for the credit feature, but accepted the primary transaction card feature. Here, the customer may wish to reapply for the secondary credit card feature in
FIGS. 3B and 3C . If the customer receives a “J.” the system (10) informs the customer service representative that the customer has been previously declined for the credit feature but rejected the primary transaction card feature. Now, the customer may wish to activate the primary transaction card feature (FIG. 3D ) or activate the primary transaction use card and reapply for the secondary credit card feature (FIGS. 3B, 3C and 3D). After the system performs the eligibility check of Block (140), the customer's account is forwarded to eitherFIG. 3B, 3C , or 3D, depending upon the services desired by the customer (173). - Referring back to
Block 122 inFIG. 3A , if the FDR system is down, the customer service representative asks the customer if she has already activated the transaction card (123). If the answer is yes, the customer service representative refers the customer's account to the secondary credit card feature offer or to primary transaction card use provider, as appropriate (124). If the answer to Block (123) is “no”, then the customer service representative transfers the account to Block (150). The customer is then transferred to block 160 where he is transferred to 3B, 3C, and 3D. - Referring to
FIG. 3B , after the customer service representative has made his pitch to the customer to accept the credit card feature (200) and the customer accepts (210), the customer is asked by the customer service representative their birthday (220). If the customer is less than 18 years old, the customer cannot be offered the secondary credit card feature; they can only be offered the primary transaction card use (240). Therefore, the system will forward the customer's account to the primary transaction card use offer (240) which is discussed inFIG. 3D . - Returning to Block (210), if the prospect declines to accept the offer, the customer service representative makes a rebuttal offer in Block (215). This rebuttal is another attempt to get the customer to accept the secondary credit card feature. If the customer declines the credit card feature, the system moves to Block (240) and forwards the customer's account to the primary use offer, in
FIG. 3D . - Returning to Block (230), if the customer is over the age of 18, the customer service representative will process the customer's credit card application directly over the phone (270). The information required from the customer to process their credit request over the telephone is the customer's birth date, name, address, and business or home telephone number. The customer service representative will verify the customer's name, address, and, as previously discussed, that the customer service representative is speaking to the person on file (280). If there has been a change in the caller's name or address, the customer service representative will also perform another safety level check (285). If there has been a change in the customer's address, the system will forward to Block (286). After Block (286), the system moves to Block (287) where the customer service representative is prompted to ask the customer if the card is in the caller's possession. If the answer is yes, the card can be activated. The customer will give the customer service representative their new address and telephone number. In Block (291), the customer service representative will then ask the customer “how long have you lived at your present address.” If the answer is less than two years (292), the customer service representative will request the customer's previous address (293). The system (10) then moves to Block (295) where the customer is requested to give his full social security number. If the customer refuses to give his full social security number, the customer service representative will try a rebuttal or a second attempt to get the customer to give their full social security number (307). If the customer still refuses to give his or her social security number, the customer service representative will get the customer's home phone number (302) and will then move to Block (303) to get the customer's business phone number. The system (10) then moves to Block (301) where it transfers the customer's account to Block (310) in
FIG. 3C . - Returning back to Block (303) in
FIG. 3B , if the customer refuses to give his business number, then the system moves to Block (304). If both the home and business phone numbers are both 9's, the system will forward the account to Block (321), where the customer will be offered primary transaction card use services only. Referring to Block (292), if the customer has lived at the present address for more than two years, the customer service representative is not required to get the customer's previous address. - In Block (285), the system documents a change in the customer's name. If there has been a name change (282), the customer service representative will inquire whether the caller is the prospective customer listed on the transaction card (288). If the answer is “yes”, the customer service representative will ask the customer, according to Block (287), is the card in the caller's possession. If the answer to Block (287) or (288) is “no”, the customer service representative closes the call because the verification has failed (290). If the answer to Block (287) is “yes”, the card can be activated under Block (289) and the system (10) follows the same procedure discussed above.
- Referring to
FIG. 3C , the customer service representative requests the customer's total annual household income (310). If the customer knows his income (315) and provides the customer service representative with this information, the system then moves to Block (320) to get the customer's mother's maiden name or the customer may provide a password. Returning to Block (315), if the customer is unaware of his income or does not wish to provide his exact income, the customer is asked to give an income range (330). If the customer refuses to give an income range, the customer service representative attempts a second rebuttal to get the customer's income (331). After the rebuttal in Block (331), the customer service representative gets the customer's mother's maiden name or password in Block (320). Then the customer service representative explains the process for obtaining a credit report for the customer in Block (332). If the customer does not wish to continue with the credit check (360), the customer account is transferred by the system and will be offered the primary transaction card use only (370). If the customer agrees to the credit check (360), the system connects to the credit card authorization process (ZOOT) under Block (380). If the credit card authorization process is down (390), the system moves to Block (400). In Block (400), the system will then activate the transaction card use only and instruct the customer service representative to inform the customer to call back at a later time or the customer service representative will forward the customer's account to the outbound calling database so that the customer may be called back at a later date in order to activate the secondary credit card feature. - If the credit bureau is up and running, the system performs the credit check. If the applicant is not approved for the credit card in Block (420), the customer account is transferred by the system and the customer will be offered the primary transaction card in
FIG. 3D (510). If the customer is approved, the system is routed to Block (430) and automatically returns a credit line based upon the customer's credit check. - Once the customer's credit line has been established, the customer service representative is instructed by the system (10) to solicit a balance transfer from another credit card to the newly approved credit card (440). If the customer declines the balance transfer offer (450), the system (10) sends the account to Block (370) where the account is automatically processed for the primary transaction card feature.
- Returning back to Block (450), if the customer agrees to a balance transfer, the balance transfer process is initiated. The system transfers to Block (401) where the customer is asked, “whether the credit card in which they would like to transfer the balance from is a First USA credit card or not.” If the answer is “yes”, the balance transfer cannot be performed. If the answer is “no”, the customer then provides the name of the major credit card account from which the balance is to be transferred. In Block (451), if the balance is being transferred from a major credit card account, the customer service representative requests the account number and the amount under Block (453). If the account is not a major credit card but a retail card or the like, the customer service representative is instructed in Block (452) to get the account number information and the vendor's name and address. If the customer is unable to provide the vendor's name or address, the balance transfer cannot be processed without this necessary information. The customer service representative is instructed to solicit a second balance transfer in Block (454). Returning to Block (452), if the customer supplies the vendor's name and address, the system moves to Block (457) where the customer service representative obtains the customer's account number and the amount that the customer would like to transfer. Once the initial balance transfer has been solicited in Block (453), the customer service representative solicits a second balance transfer under Block (454). The balance transfer process is initiated once again under Block (450). The customer service representative asks the customer “whether she would like to have a second balance transferred or not.” If the customer answers “yes,” the customer service representative asks what major credit card account would the customer like to transfer the amount from. If it is a major credit card, under Block (461), the customer service representative enters the account name, number and amount to be transferred under Block (463). The system transfers the customer's file to Block (460). Referring back to the second balance transfer in Block (454), if the credit card is not a major credit card under Block (461), the customer service representative requests the account information and the vendor's address under Block (462). If this information is known (464), the customer service representative inputs the account number and the amount to be transferred (475). If the information is unknown under Block (462), the second balance transfer cannot be performed. Only the original balance transfer will be authorized if the initial balance transferred process was completed in the above steps. The system then moves to Block (460) in order to process the first, second, or both the first and second balance transfers. In Block (460), the balance transfer disclosure information appears on the system's GUI and the customer service representative reads the balance transfer disclosure information to the customer.
- A condition of the CAM card is that if the customer is approved for and accepts the secondary credit card feature, the customer must also agree to accept the primary transaction card feature. As a result, once the system completes the secondary credit card activation process in
FIG. 3C , the system (10) automatically forwards the customer's account to the primary transaction card offer inFIG. 3D for processing. - Referring to
FIG. 3D , the customer service representative asks the customer whether or not they would like to accept the primary transaction card feature (510). If the customer declines the primary transaction card offer (520), the customer's account cannot be activated to receive any services. Thus, the customer service representative ends the telephone call (530), closes out the account and updates the file on FDR (540). If the customer has been approved for the secondary credit card feature and now indicates in Block (520) that she does not wish to activate the primary transaction card, the system (10) prompts the customer service representative to remind the customer that the credit card application is contingent upon her acceptance of the primary transaction card. If the customer still declines the primary transaction card, the customer's account will be closed out. The customer service representative will end the call (530) and then update the account on FDR in Block (540). - If the customer agrees to activate the primary transaction card (520), the system advances to Block (550) where the customer is asked to provide a four-digit PIN number. In order to obtain the primary transaction card use feature, the customer must initially agree to establish a payment source (550). The payment source can be a check, credit card or debit card. If the customer wishes to pay by check, the customer simply mails a check to First USA and once the check is approved, the amount of the check is entered as the payment source for the customer's primary transaction card use. In addition, a customer wishing to establish her payment source by check may have her check automatically processed during the telephone call. If the payment source is a credit card account or a debit card account, the customer authorizes First USA to charge the customer's credit card account or debit card account for the payment source amount. The credit card or debit card can be a First USA card or another major credit card or debit card. After the payment source amount is depleted, the customer may recharge the payment source by adding a new amount to their payment source account by credit card, debit card transfer, or by check.
- If the customer decides not to establish a payment source (570), the system advances to Block (580), the customer call is closed out and the customer's account is transferred to Blocks (600), (605) and (610), which will be discussed below.
- Returning to Block (570), if the customer agrees to establish a payment source account, the system (10) inquires as to whether or not the customer has a First USA credit card account which has an available credit limit greater than 0 (620). The secondary credit card feature obtained in
FIGS. 3B and 3C can also serves as the First USA credit card. If the customer responds affirmatively in Block (620), the customer service representative attempts to persuade the customer to use her FIRST USA credit card as her payment source. If the customer has enrolled in the secondary credit card feature, the system prompts the customer service representative to ask the customer, “whether she would like to have her payment source amount of the primary transaction card posted on her new secondary credit card feature account” (630). If the customer decides not to establish her credit card with a First USA credit card, the system advances to Block (640). If the customer agrees in Block (630) to have any charges incurred on her primary transaction card posted on her secondary credit card or her First USA credit card, the CAM card activation process is then complete. The system automatically closes the call in Block (580). - If in Block (620) the customer has previously declined the secondary credit card offer or if the customer's credit application for the secondary credit card has been rejected, the customer may wish to reapply for the secondary credit card in Block (650).
- Returning back to Block (620), if the customer's credit card or debt card is not a First USA card, the system then establishes the non-First USA credit card as the payment amount source (640). Under Block (640), the customer must decide whether the payment source amount will be billed to another major credit card, debit credit card or by check. In Block (640) the customer service representative asks the customer to provide information such as the credit card or debit card provider, the credit or debit card account number and/or expiration date of the credit or debit card. Once the customer provides all the account information required in Block (640), the CAM card activation is complete. The system automatically closes the call (580) and advances the customer's account to Blocks (600), (605) and/or (610).
- Under
Block 600, the system generates a reject/decline letter, the balance transfer information is complied, a risk report is generated, and/or any other necessary information is generated, compiled or processed. The subroutine of Block (605) forwards the customer activation records to the primary transaction card use provider. The customer's account is updated on FDR in Block (610). - Once the primary transaction card feature and/or the secondary credit card feature has been establish, the system includes the “reward dollars” feature, as an additional feature, to the customer's account. The “rewards” points may be used as a credit against the secondary credit feature to reduce the balance of the primary transaction card feature or the secondary credit card feature. On the other hand, the customer may spend her reward dollars in at retail outlets that accept MASTERCARD®, VISA®, AMERICAN EXPRESS®, DISCOVER® or the like. Also, the accrued reward points may be used to obtain certain types of gifts, vacations, or other types of prizes offered through award incentive programs. The reward dollars feature is just one example of the additional use features. Other additional use features are available at the customer's option, such as a travel program, a Christmas savings plan or a gift purchasing program are available at the customer's options.
- The Outbound Telemarketing Activation process is similar to the Inbound Telemarketing Process, with few exceptions. The scripting read by the customer service representative to the customer is different to reflect the outbound nature of call, verification is different (since our in-house representatives are contacting offerees in their own home), and population file is different (those who are already activated, or those who have requested not to be solicited are not called). The Outbound Telemarketing Activation process is initiated by an outbound customer service representative calling a prospective customer. Once the prospect is obtained, the Outbound process is the same as the Inbound process, discussed above and illustrated in
FIGS. 3A-3D . - Although the invention has been described with particular reference to preferred embodiments which are intended to be illustrative rather than restrictive. Alternative embodiments will become apparent to those skilled in the art to which the present invention pertains without departing from its spirit and scope. Thus, variations and modifications of the present invention can be effected within the spirit and scope of the following claims.
Claims (14)
1. A method for issuing a Customer Activated Multi-Value (CAM) card, comprising:
receiving information regarding an applicant; and
assigning a credit line to a CAM card for said applicant, said CAM card being associated with a first merchant, said credit line including a first portion and a second portion, said first portion being available only for use in transactions involving said first merchant and said applicant, and said second portion being available for use in transactions involving merchants other than said first merchant.
2. The method of claim 1 , wherein the transactions include allowing for the purchase of the item from only the first merchant.
3. The method of claim 1 , wherein the transactions include the purchase of phone service.
4. The method of claim 1 , wherein the transactions include the purchase of gas.
5. The method of claim 1 , wherein the transactions include the purchase of an item from a catalog.
6. The method of claim 1 , wherein the transactions include the purchase of an item from a department store.
7. The method of claim 1 , wherein the transactions include the applicant accruing at least one of reward points and reward offers with use of the CAM card.
8. A method for issuing a Customer Activated Multi-Value (CAM) card, comprising:
receiving an application for a CAM card, said application being associated with an applicant;
associating a credit line with said CAM card, said credit line including a first portion and a second portion, said first portion being available only for use in transactions involving a first merchant and said applicant, and said second portion being available for use in transactions involving merchants other than said first merchant;
associating an identifier with said CAM card, said identifier being capable of identifying said CAM card as a private label card associated with said first merchant when said card identifier is used in a first transaction involving said first merchant and of identifying said CAM card as a bank card when said card identifier is used in a transaction involving a second merchant, and said identifier being capable of indicating that said first transaction should be processed via a private label network and of indicating that said second transaction should be processed via a bank card network issuing said CAM card to said applicant.
9. The method of claim 8 , wherein at least one or the first and second transactions includes the purchase of phone service.
10. The method of claim 8 , wherein at least one or the first and second transactions includes the purchase of gas.
11. The method of claim 8 , wherein at least one or the first and second transactions includes the purchase of an item from a catalog.
12. The method of claim 8 , wherein at least one or the first and second transactions includes the purchase of an item from a department store.
13. The method of claim 8 , wherein the wherein at least one or the first and second transactions includes the applicant accruing at least one of reward points and reward offers with use of the CAM card.
14. The method of claim 8 , wherein the bankcard network includes one or more of a network for a VISA® card, MASTERCARD® card, AMERICAN EXPRESS® card and a DISCOVER® card.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US11/830,450 US20080021826A1 (en) | 1998-11-17 | 2007-07-30 | Customer Activated Multi-Value (CAM) Card |
Applications Claiming Priority (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/193,712 US6032136A (en) | 1998-11-17 | 1998-11-17 | Customer activated multi-value (CAM) card |
US09/505,189 US6865547B1 (en) | 1998-11-17 | 2000-02-16 | Customer activated multi-value (CAM) card |
US10/370,227 US7072864B2 (en) | 1998-11-17 | 2003-02-20 | Customer activated multi-value (CAM) card |
US10/917,885 US7707111B2 (en) | 1998-11-17 | 2004-08-13 | Customer activated multi-value (CAM) card |
US11/830,450 US20080021826A1 (en) | 1998-11-17 | 2007-07-30 | Customer Activated Multi-Value (CAM) Card |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US10/917,885 Continuation US7707111B2 (en) | 1998-11-17 | 2004-08-13 | Customer activated multi-value (CAM) card |
Publications (1)
Publication Number | Publication Date |
---|---|
US20080021826A1 true US20080021826A1 (en) | 2008-01-24 |
Family
ID=22714728
Family Applications (8)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/193,712 Expired - Lifetime US6032136A (en) | 1998-11-17 | 1998-11-17 | Customer activated multi-value (CAM) card |
US09/505,189 Expired - Lifetime US6865547B1 (en) | 1998-11-17 | 2000-02-16 | Customer activated multi-value (CAM) card |
US10/370,227 Expired - Lifetime US7072864B2 (en) | 1998-11-17 | 2003-02-20 | Customer activated multi-value (CAM) card |
US10/618,249 Abandoned US20040024672A1 (en) | 1998-11-17 | 2003-07-11 | Customer activated multi-value (CAM) card |
US10/917,885 Expired - Lifetime US7707111B2 (en) | 1998-11-17 | 2004-08-13 | Customer activated multi-value (CAM) card |
US11/134,638 Expired - Lifetime US7263507B1 (en) | 1998-11-17 | 2005-05-20 | Customer activated multi-value (CAM) card |
US11/830,450 Abandoned US20080021826A1 (en) | 1998-11-17 | 2007-07-30 | Customer Activated Multi-Value (CAM) Card |
US11/830,447 Abandoned US20080021820A1 (en) | 1998-11-17 | 2007-07-30 | Customer Activated Multi-Value (CAM) Card |
Family Applications Before (6)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/193,712 Expired - Lifetime US6032136A (en) | 1998-11-17 | 1998-11-17 | Customer activated multi-value (CAM) card |
US09/505,189 Expired - Lifetime US6865547B1 (en) | 1998-11-17 | 2000-02-16 | Customer activated multi-value (CAM) card |
US10/370,227 Expired - Lifetime US7072864B2 (en) | 1998-11-17 | 2003-02-20 | Customer activated multi-value (CAM) card |
US10/618,249 Abandoned US20040024672A1 (en) | 1998-11-17 | 2003-07-11 | Customer activated multi-value (CAM) card |
US10/917,885 Expired - Lifetime US7707111B2 (en) | 1998-11-17 | 2004-08-13 | Customer activated multi-value (CAM) card |
US11/134,638 Expired - Lifetime US7263507B1 (en) | 1998-11-17 | 2005-05-20 | Customer activated multi-value (CAM) card |
Family Applications After (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US11/830,447 Abandoned US20080021820A1 (en) | 1998-11-17 | 2007-07-30 | Customer Activated Multi-Value (CAM) Card |
Country Status (1)
Country | Link |
---|---|
US (8) | US6032136A (en) |
Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20090198612A1 (en) * | 2008-01-31 | 2009-08-06 | Andrew Meimes | Non-credit account credit rating |
US20100042541A1 (en) * | 2008-08-12 | 2010-02-18 | Kang Gyeong-Soo | Financial transaction service system and method |
US7848977B2 (en) * | 2005-05-09 | 2010-12-07 | First Data Corporation | Private label purchase card acceptance systems and methods |
Families Citing this family (633)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7693748B1 (en) | 1991-06-03 | 2010-04-06 | Ewinwin, Inc. | Method and system for configuring a set of information including a price and volume schedule for a product |
US7818212B1 (en) | 1999-10-22 | 2010-10-19 | Ewinwin, Inc. | Multiple criteria buying and selling model |
US7925531B1 (en) | 1995-11-13 | 2011-04-12 | TrialCard Incorporated | Method of delivering goods and services via media |
JP3916311B2 (en) * | 1997-12-09 | 2007-05-16 | 株式会社日立製作所 | Information billing system |
US6450407B1 (en) | 1998-04-17 | 2002-09-17 | Viztec, Inc. | Chip card rebate system |
US7076465B1 (en) * | 1998-04-24 | 2006-07-11 | First Data Corporation | Methods for processing a group of accounts corresponding to different products |
US20040049452A1 (en) * | 2002-09-09 | 2004-03-11 | First Data Corporation | Multiple credit line presentation instrument |
US20030171992A1 (en) * | 1999-04-23 | 2003-09-11 | First Data Corporation | System and methods for redeeming rewards associated with accounts |
US20020198806A1 (en) * | 1998-04-24 | 2002-12-26 | First Data Corporation | Systems and methods for accessing and modifying usage parameters associated with a financial transaction account |
US7050996B1 (en) * | 1998-04-24 | 2006-05-23 | First Data Corporation | Method for linking accounts corresponding to different products together to create a group |
JP4426722B2 (en) * | 1998-05-19 | 2010-03-03 | ケルシウス,エルエルシー | Towel mat with frame member and removably attached membrane |
US6615189B1 (en) * | 1998-06-22 | 2003-09-02 | Bank One, Delaware, National Association | Debit purchasing of stored value card for use by and/or delivery to others |
US7809642B1 (en) | 1998-06-22 | 2010-10-05 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
JP2001303934A (en) * | 1998-06-23 | 2001-10-31 | Toyota Motor Corp | Exhaust emission control device for internal combustion engine |
US6032136A (en) * | 1998-11-17 | 2000-02-29 | First Usa Bank, N.A. | Customer activated multi-value (CAM) card |
US7660763B1 (en) | 1998-11-17 | 2010-02-09 | Jpmorgan Chase Bank, N.A. | Customer activated multi-value (CAM) card |
EP1188135A2 (en) | 1998-12-23 | 2002-03-20 | The Chase Manhattan Bank | System and method for integrating trading operations including the generation, processing and tracking of trade documents |
US20070055628A1 (en) * | 1999-04-23 | 2007-03-08 | First Data Corporation | Authorizing transactions associated with accounts |
US20030212620A1 (en) * | 1999-04-23 | 2003-11-13 | First Data Corporation | Systems and methods for authorizing transactions |
AU2597200A (en) | 1999-04-23 | 2000-11-10 | First Data Resources, Inc. | Methods for processing a group of accounts corresponding to different products |
US6704714B1 (en) | 1999-05-03 | 2004-03-09 | The Chase Manhattan Bank | Virtual private lock box |
US6609113B1 (en) | 1999-05-03 | 2003-08-19 | The Chase Manhattan Bank | Method and system for processing internet payments using the electronic funds transfer network |
US8732018B2 (en) * | 1999-05-12 | 2014-05-20 | Ewinwin, Inc. | Real-time offers and dynamic price adjustments presented to mobile devices |
US20110213648A1 (en) * | 1999-05-12 | 2011-09-01 | Ewinwin, Inc. | e-COMMERCE VOLUME PRICING |
US7593871B1 (en) * | 2004-06-14 | 2009-09-22 | Ewinwin, Inc. | Multiple price curves and attributes |
US8626605B2 (en) | 1999-05-12 | 2014-01-07 | Ewinwin, Inc. | Multiple criteria buying and selling model |
US8140402B1 (en) | 2001-08-06 | 2012-03-20 | Ewinwin, Inc. | Social pricing |
US6882984B1 (en) * | 1999-06-04 | 2005-04-19 | Bank One, Delaware, National Association | Credit instrument and system with automated payment of club, merchant, and service provider fees |
US20050080727A1 (en) | 1999-06-23 | 2005-04-14 | Richard Postrel | Method and system for using reward points to liquidate products |
US7769630B2 (en) * | 1999-06-23 | 2010-08-03 | Signature Systems Llc | Method and system for issuing, aggregating and redeeming rewards based on merchant transactions |
MXPA01013136A (en) * | 1999-06-23 | 2004-06-03 | Postrel Richard | System for electronic barter, trading and redeeming points accumulated in frequent use reward programs. |
US6820265B1 (en) * | 1999-06-29 | 2004-11-16 | Rare Limited | System method and data storage medium for sharing data between video games |
US7058817B1 (en) | 1999-07-02 | 2006-06-06 | The Chase Manhattan Bank | System and method for single sign on process for websites with multiple applications and services |
DE19938201A1 (en) * | 1999-08-12 | 2001-02-22 | Mannesmann Ag | SMS e-commerce |
US7333955B2 (en) * | 2001-09-24 | 2008-02-19 | E2Interactive, Inc. | System and method for securing communication service |
US8706630B2 (en) | 1999-08-19 | 2014-04-22 | E2Interactive, Inc. | System and method for securely authorizing and distributing stored-value card data |
US7306158B2 (en) * | 2001-07-10 | 2007-12-11 | American Express Travel Related Services Company, Inc. | Clear contactless card |
US7239226B2 (en) * | 2001-07-10 | 2007-07-03 | American Express Travel Related Services Company, Inc. | System and method for payment using radio frequency identification in contact and contactless transactions |
US7889052B2 (en) | 2001-07-10 | 2011-02-15 | Xatra Fund Mx, Llc | Authorizing payment subsequent to RF transactions |
US7319986B2 (en) * | 1999-09-28 | 2008-01-15 | Bank Of America Corporation | Dynamic payment cards and related management systems and associated methods |
EP1226540A4 (en) | 1999-10-22 | 2006-03-15 | Efunds Corp | Method and apparatus for detecting and investigating fraudulent transactions in debit and charge card activations |
US6404866B1 (en) * | 1999-11-09 | 2002-06-11 | Vesta Corporation | Telephone calling account system and method |
IL134824A0 (en) * | 1999-11-12 | 2001-05-20 | Transale Ltd | Switchable payment system |
US7370004B1 (en) | 1999-11-15 | 2008-05-06 | The Chase Manhattan Bank | Personalized interactive network architecture |
US8571975B1 (en) | 1999-11-24 | 2013-10-29 | Jpmorgan Chase Bank, N.A. | System and method for sending money via E-mail over the internet |
US8793160B2 (en) | 1999-12-07 | 2014-07-29 | Steve Sorem | System and method for processing transactions |
US6427909B1 (en) * | 1999-12-17 | 2002-08-06 | International Business Machines Corporation | System and method for overloading an existing card |
US7870065B2 (en) * | 2000-01-05 | 2011-01-11 | Uniteller Financial Services, Inc. | Money-transfer techniques |
US6938013B1 (en) * | 2000-01-05 | 2005-08-30 | Uniteller Financial Services, Inc. | Money-transfer techniques |
US7172112B2 (en) * | 2000-01-21 | 2007-02-06 | American Express Travel Related Services Company, Inc. | Public/private dual card system and method |
US6742704B2 (en) * | 2000-01-21 | 2004-06-01 | American Express Travel Related Services Company, Inc. | Multiple-service card system |
US7163145B2 (en) | 2000-01-21 | 2007-01-16 | American Express Travel Related Services Co., Inc. | Geographic area multiple service card system |
US7268668B2 (en) * | 2003-05-09 | 2007-09-11 | American Express Travel Related Services Company, Inc. | Systems and methods for managing multiple accounts on a RF transaction instrument |
US8543423B2 (en) * | 2002-07-16 | 2013-09-24 | American Express Travel Related Services Company, Inc. | Method and apparatus for enrolling with multiple transaction environments |
US8429041B2 (en) * | 2003-05-09 | 2013-04-23 | American Express Travel Related Services Company, Inc. | Systems and methods for managing account information lifecycles |
US6615190B1 (en) * | 2000-02-09 | 2003-09-02 | Bank One, Delaware, National Association | Sponsor funded stored value card |
US7822656B2 (en) * | 2000-02-15 | 2010-10-26 | Jpmorgan Chase Bank, N.A. | International banking system and method |
US7130827B2 (en) * | 2000-02-22 | 2006-10-31 | Kiser Kenneth J | Business calling card |
CA2400931A1 (en) * | 2000-02-22 | 2001-08-30 | Insun Yun | Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet |
US6941279B1 (en) | 2000-02-23 | 2005-09-06 | Banke One Corporation | Mutual fund card method and system |
AU2001243319A1 (en) * | 2000-02-28 | 2001-09-12 | Sprarkcharge, Inc. | System, and method for prepaid anonymous and pseudonymous credit card type transactions |
AU2001243473A1 (en) * | 2000-03-07 | 2001-09-17 | American Express Travel Related Services Company, Inc. | System for facilitating a transaction |
AU2001245754A1 (en) | 2000-03-17 | 2001-10-03 | Ebay, Inc. | Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments |
US7499875B1 (en) | 2000-03-17 | 2009-03-03 | Ebay Inc. | Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments |
US8706618B2 (en) | 2005-09-29 | 2014-04-22 | Ebay Inc. | Release of funds based on criteria |
US7113914B1 (en) * | 2000-04-07 | 2006-09-26 | Jpmorgan Chase Bank, N.A. | Method and system for managing risks |
CA2406001A1 (en) * | 2000-04-14 | 2001-10-25 | American Express Travel Related Services Company, Inc. | A system and method for using loyalty points |
US6915277B1 (en) * | 2000-05-10 | 2005-07-05 | General Electric Capital Corporation | Method for dual credit card system |
US20020049669A1 (en) * | 2000-05-10 | 2002-04-25 | Michael Bleser | Method of selling giftcards |
CA2410288A1 (en) * | 2000-05-24 | 2001-11-29 | Duocash, Inc. | System and method for using existing prepaid card systems for making payments over the internet |
US7398919B2 (en) | 2000-07-12 | 2008-07-15 | Tcf Financial Corporation | Transaction card system and approach |
US6769605B1 (en) * | 2000-07-21 | 2004-08-03 | Jason P. Magness | Money transfer system |
WO2002011019A1 (en) | 2000-08-01 | 2002-02-07 | First Usa Bank, N.A. | System and method for transponder-enabled account transactions |
US6663002B2 (en) * | 2000-08-15 | 2003-12-16 | James B. Glaser | Apparatus and method for facilitating credit transactions |
US7031939B1 (en) * | 2000-08-15 | 2006-04-18 | Yahoo! Inc. | Systems and methods for implementing person-to-person money exchange |
US20020128879A1 (en) * | 2000-08-21 | 2002-09-12 | Myron Spears | System and method for providing online management of medical savings accounts and benefits selection |
US7509285B1 (en) * | 2000-08-31 | 2009-03-24 | Capital One Financial Corporation | Method of establishing a credit limit |
US20020099648A1 (en) * | 2000-09-19 | 2002-07-25 | Devoe Dana L. | Method of reducing fraud in credit card and other E-business |
US7383223B1 (en) * | 2000-09-20 | 2008-06-03 | Cashedge, Inc. | Method and apparatus for managing multiple accounts |
US7415442B1 (en) | 2000-09-26 | 2008-08-19 | Integrated Technological Systems, Inc. | Integrated technology money transfer system |
US8924267B1 (en) | 2000-10-10 | 2014-12-30 | Gilbarco Inc. | Remote payment account relational system and method for retail devices |
JP2002123772A (en) * | 2000-10-11 | 2002-04-26 | Hewlett Packard Co <Hp> | Payment roaming by various network organizations irrespective of time and place of payment device |
US7831467B1 (en) * | 2000-10-17 | 2010-11-09 | Jpmorgan Chase Bank, N.A. | Method and system for retaining customer loyalty |
US7103556B2 (en) * | 2000-11-02 | 2006-09-05 | Jpmorgan Chase Bank, N.A. | System and method for aggregate portfolio client support |
US8473380B2 (en) * | 2000-11-06 | 2013-06-25 | Propulsion Remote Holdings, Llc | Pay yourself first budgeting |
US20100299251A1 (en) * | 2000-11-06 | 2010-11-25 | Consumer And Merchant Awareness Foundation | Pay yourself first with revenue generation |
US7398226B2 (en) * | 2000-11-06 | 2008-07-08 | American Express Travel Related Services Company, Inc. | System and method for networked loyalty program |
US7398225B2 (en) * | 2001-03-29 | 2008-07-08 | American Express Travel Related Services Company, Inc. | System and method for networked loyalty program |
US20020083012A1 (en) * | 2000-11-16 | 2002-06-27 | Steve Bush | Method and system for account management |
US20080097783A1 (en) * | 2000-11-17 | 2008-04-24 | Iannacci Gregory F | System and method for preference-based account enrollment |
US6681988B2 (en) | 2000-11-28 | 2004-01-27 | Citibank, N.A. | Method and system for managing a transaction card account |
US6631849B2 (en) * | 2000-12-06 | 2003-10-14 | Bank One, Delaware, National Association | Selectable multi-purpose card |
US20020072968A1 (en) * | 2000-12-12 | 2002-06-13 | Gorelick Richard B. | System and method for incentivizing online sales |
US7295999B1 (en) | 2000-12-20 | 2007-11-13 | Jpmorgan Chase Bank, N.A. | System and method for determining eligibility and enrolling members in various programs |
US6985873B2 (en) * | 2001-01-18 | 2006-01-10 | First Usa Bank, N.A. | System and method for administering a brokerage rebate card program |
US8805739B2 (en) * | 2001-01-30 | 2014-08-12 | Jpmorgan Chase Bank, National Association | System and method for electronic bill pay and presentment |
US7689502B2 (en) * | 2001-02-12 | 2010-03-30 | Capital One Financial Corporation | System and method for providing extra lines of credit |
US7222101B2 (en) | 2001-02-26 | 2007-05-22 | American Express Travel Related Services Company, Inc. | System and method for securing data through a PDA portal |
US7584149B1 (en) | 2001-02-26 | 2009-09-01 | American Express Travel Related Services Company, Inc. | System and method for securing data through a PDA portal |
US6820802B2 (en) | 2001-02-27 | 2004-11-23 | American Express Travel Related Services Company, Inc. | Online card activation system and method |
US7895098B2 (en) | 2001-03-01 | 2011-02-22 | Jpmorgan Chase Bank, N.A. | System and method for measuring and utilizing pooling analytics |
US20020123923A1 (en) * | 2001-03-01 | 2002-09-05 | Stefanos Manganaris | Method and system for assessing intrinsic customer value |
US7752134B2 (en) * | 2001-03-20 | 2010-07-06 | United Parcel Service Of America, Inc. | Hybrid credit card transaction system |
US7778920B2 (en) | 2001-03-20 | 2010-08-17 | American Express Travel Related Services Company, Inc. | Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account |
US7467096B2 (en) * | 2001-03-29 | 2008-12-16 | American Express Travel Related Services Company, Inc. | System and method for the real-time transfer of loyalty points between accounts |
US20060053056A1 (en) * | 2001-03-29 | 2006-03-09 | American Express Marketing & Development Corporati | Card member discount system and method |
US8849716B1 (en) | 2001-04-20 | 2014-09-30 | Jpmorgan Chase Bank, N.A. | System and method for preventing identity theft or misuse by restricting access |
US20040199475A1 (en) * | 2001-04-27 | 2004-10-07 | Rivest Ronald L. | Method and system for micropayment transactions |
US7440922B1 (en) | 2001-05-04 | 2008-10-21 | West Corporation | System, method, and business method for settling micropayment transactions to a pre-paid instrument |
US7739162B1 (en) | 2001-05-04 | 2010-06-15 | West Corporation | System, method, and business method for setting micropayment transaction to a pre-paid instrument |
US7313546B2 (en) | 2001-05-23 | 2007-12-25 | Jp Morgan Chase Bank, N.A. | System and method for currency selectable stored value instrument |
US7542942B2 (en) * | 2001-07-10 | 2009-06-02 | American Express Travel Related Services Company, Inc. | System and method for securing sensitive information during completion of a transaction |
US7650314B1 (en) | 2001-05-25 | 2010-01-19 | American Express Travel Related Services Company, Inc. | System and method for securing a recurrent billing transaction |
US6796497B2 (en) * | 2002-04-23 | 2004-09-28 | American Express Travel Related Services Company, Inc. | System and method for facilitating a subsidiary card account |
US7249092B2 (en) | 2001-05-29 | 2007-07-24 | American Express Travel Related Services Company, Inc. | System and method for facilitating a subsidiary card account with controlled spending capability |
US7899742B2 (en) * | 2001-05-29 | 2011-03-01 | American Express Travel Related Services Company, Inc. | System and method for facilitating a subsidiary card account |
US20020194122A1 (en) * | 2001-06-01 | 2002-12-19 | Datawave Systems, Inc. | Credit extension process using a prepaid card |
US20070174164A1 (en) * | 2001-06-01 | 2007-07-26 | American Express Travel Related Services Company, Inc. | Network/Processor Fraud Scoring for Card Not Present Transactions |
WO2002099720A1 (en) * | 2001-06-01 | 2002-12-12 | American Express Travel Related Services Company, Inc. | System and method for global automated address verification |
US20070174208A1 (en) * | 2001-06-01 | 2007-07-26 | American Express Travel Related Services Company, Inc. | System and Method for Global Automated Address Verification |
WO2002099598A2 (en) | 2001-06-07 | 2002-12-12 | First Usa Bank, N.A. | System and method for rapid updating of credit information |
US7783566B2 (en) | 2001-06-27 | 2010-08-24 | American Express Travel Related Services Company, Inc. | Consolidated payment account system and method |
US7762457B2 (en) | 2001-07-10 | 2010-07-27 | American Express Travel Related Services Company, Inc. | System and method for dynamic fob synchronization and personalization |
US8635131B1 (en) | 2001-07-10 | 2014-01-21 | American Express Travel Related Services Company, Inc. | System and method for managing a transaction protocol |
US7429927B2 (en) * | 2001-07-10 | 2008-09-30 | American Express Travel Related Services Company, Inc. | System and method for providing and RFID transaction device |
US8001054B1 (en) | 2001-07-10 | 2011-08-16 | American Express Travel Related Services Company, Inc. | System and method for generating an unpredictable number using a seeded algorithm |
US7735725B1 (en) | 2001-07-10 | 2010-06-15 | Fred Bishop | Processing an RF transaction using a routing number |
US7303120B2 (en) * | 2001-07-10 | 2007-12-04 | American Express Travel Related Services Company, Inc. | System for biometric security using a FOB |
US7119659B2 (en) | 2001-07-10 | 2006-10-10 | American Express Travel Related Services Company, Inc. | Systems and methods for providing a RF transaction device for use in a private label transaction |
US7746215B1 (en) | 2001-07-10 | 2010-06-29 | Fred Bishop | RF transactions using a wireless reader grid |
US8294552B2 (en) | 2001-07-10 | 2012-10-23 | Xatra Fund Mx, Llc | Facial scan biometrics on a payment device |
US7503480B2 (en) * | 2001-07-10 | 2009-03-17 | American Express Travel Related Services Company, Inc. | Method and system for tracking user performance |
US9024719B1 (en) | 2001-07-10 | 2015-05-05 | Xatra Fund Mx, Llc | RF transaction system and method for storing user personal data |
US7805378B2 (en) | 2001-07-10 | 2010-09-28 | American Express Travel Related Servicex Company, Inc. | System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions |
US7705732B2 (en) * | 2001-07-10 | 2010-04-27 | Fred Bishop | Authenticating an RF transaction using a transaction counter |
US7668750B2 (en) | 2001-07-10 | 2010-02-23 | David S Bonalle | Securing RF transactions using a transactions counter |
US8284025B2 (en) | 2001-07-10 | 2012-10-09 | Xatra Fund Mx, Llc | Method and system for auditory recognition biometrics on a FOB |
US8548927B2 (en) | 2001-07-10 | 2013-10-01 | Xatra Fund Mx, Llc | Biometric registration for facilitating an RF transaction |
US8960535B2 (en) * | 2001-07-10 | 2015-02-24 | Iii Holdings 1, Llc | Method and system for resource management and evaluation |
US7249112B2 (en) | 2002-07-09 | 2007-07-24 | American Express Travel Related Services Company, Inc. | System and method for assigning a funding source for a radio frequency identification device |
US7925535B2 (en) | 2001-07-10 | 2011-04-12 | American Express Travel Related Services Company, Inc. | System and method for securing RF transactions using a radio frequency identification device including a random number generator |
US20040236699A1 (en) | 2001-07-10 | 2004-11-25 | American Express Travel Related Services Company, Inc. | Method and system for hand geometry recognition biometrics on a fob |
US7996324B2 (en) * | 2001-07-10 | 2011-08-09 | American Express Travel Related Services Company, Inc. | Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia |
US7360689B2 (en) | 2001-07-10 | 2008-04-22 | American Express Travel Related Services Company, Inc. | Method and system for proffering multiple biometrics for use with a FOB |
US9031880B2 (en) | 2001-07-10 | 2015-05-12 | Iii Holdings 1, Llc | Systems and methods for non-traditional payment using biometric data |
US9454752B2 (en) | 2001-07-10 | 2016-09-27 | Chartoleaux Kg Limited Liability Company | Reload protocol at a transaction processing entity |
US7266839B2 (en) | 2001-07-12 | 2007-09-04 | J P Morgan Chase Bank | System and method for providing discriminated content to network users |
US6830178B2 (en) * | 2001-07-19 | 2004-12-14 | Loreto Jimenez | Combination bank/phone card and method |
WO2003010701A1 (en) | 2001-07-24 | 2003-02-06 | First Usa Bank, N.A. | Multiple account card and transaction routing |
US7809641B2 (en) * | 2001-07-26 | 2010-10-05 | Jpmorgan Chase Bank, National Association | System and method for funding a collective account |
US7505925B2 (en) * | 2001-08-09 | 2009-03-17 | Capital One Financial Corporation | System, medium, and method for providing financial account information over a network |
US6945453B1 (en) * | 2001-08-13 | 2005-09-20 | Bank One Delaware N.A. | System and method for funding a collective account by use of an electronic tag |
US7306141B1 (en) | 2001-08-13 | 2007-12-11 | Jpmorgan Chase Bank, N.A. | System and method for funding a collective account by use of an electronic tag |
US8800857B1 (en) | 2001-08-13 | 2014-08-12 | Jpmorgan Chase Bank, N.A. | System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag |
US8020754B2 (en) | 2001-08-13 | 2011-09-20 | Jpmorgan Chase Bank, N.A. | System and method for funding a collective account by use of an electronic tag |
US20030126042A1 (en) * | 2001-08-23 | 2003-07-03 | Beegle Jeffrey B. | On-line credit redemption system and method |
US20030041025A1 (en) * | 2001-08-23 | 2003-02-27 | American Express Travel Related Services Company Inc. | System and method for flexible promotional rates |
US6581827B2 (en) * | 2001-08-24 | 2003-06-24 | Qwest Communications International Inc. | Universal prepaid telecommunication services card |
US20030040998A1 (en) * | 2001-08-27 | 2003-02-27 | John Jordan Kogler | Systems and methods of direct marketing |
US7437330B1 (en) | 2002-09-20 | 2008-10-14 | Yt Acquisition Corp. | System and method for categorizing transactions |
US7464059B1 (en) | 2001-09-21 | 2008-12-09 | Yt Acquisition Corporation | System and method for purchase benefits at a point of sale |
US20040153421A1 (en) * | 2001-09-21 | 2004-08-05 | Timothy Robinson | System and method for biometric authorization of age-restricted transactions conducted at an unattended device |
US7269737B2 (en) | 2001-09-21 | 2007-09-11 | Pay By Touch Checking Resources, Inc. | System and method for biometric authorization for financial transactions |
US20030177102A1 (en) * | 2001-09-21 | 2003-09-18 | Timothy Robinson | System and method for biometric authorization for age verification |
US9189788B1 (en) | 2001-09-21 | 2015-11-17 | Open Invention Network, Llc | System and method for verifying identity |
US7765164B1 (en) | 2001-09-21 | 2010-07-27 | Yt Acquisition Corporation | System and method for offering in-lane periodical subscriptions |
US8200980B1 (en) | 2001-09-21 | 2012-06-12 | Open Invention Network, Llc | System and method for enrolling in a biometric system |
US6726232B2 (en) * | 2001-10-01 | 2004-04-27 | Honda Giken Kogyo Kabushiki Kaisha | Steering damper for saddle-type vehicle |
US6965756B2 (en) * | 2001-10-05 | 2005-11-15 | Adtran, Inc. | RF loopback test apparatus for data radio transceiver |
US7822684B2 (en) * | 2001-10-05 | 2010-10-26 | Jpmorgan Chase Bank, N.A. | Personalized bank teller machine |
US7752266B2 (en) | 2001-10-11 | 2010-07-06 | Ebay Inc. | System and method to facilitate translation of communications between entities over a network |
CA2466071C (en) | 2001-11-01 | 2016-04-12 | Bank One, Delaware, N.A. | System and method for establishing or modifying an account with user selectable terms |
US7987501B2 (en) | 2001-12-04 | 2011-07-26 | Jpmorgan Chase Bank, N.A. | System and method for single session sign-on |
US20100030675A1 (en) * | 2001-12-06 | 2010-02-04 | Hanan Christopher C | Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method |
US7240032B2 (en) * | 2001-12-20 | 2007-07-03 | First Data Corporation | Customer privacy protection systems and methods |
US20030130912A1 (en) | 2002-01-04 | 2003-07-10 | Davis Tommy Lee | Equipment management system |
US7890393B2 (en) | 2002-02-07 | 2011-02-15 | Ebay, Inc. | Method and system for completing a transaction between a customer and a merchant |
US7398248B2 (en) * | 2002-02-08 | 2008-07-08 | Catalina Marketing Corporation | System and method for using cards for sponsored programs |
US7620567B2 (en) * | 2002-02-19 | 2009-11-17 | First Data Corporation | Systems and methods for operating loyalty programs |
US7424441B2 (en) * | 2002-02-19 | 2008-09-09 | First Data Corporation | Systems and methods for integrating loyalty and stored-value programs |
US20030172017A1 (en) * | 2002-03-11 | 2003-09-11 | Vincent Feingold | High performance multi-dimensional risk engines for enterprise wide market risk management |
US7756896B1 (en) | 2002-03-11 | 2010-07-13 | Jp Morgan Chase Bank | System and method for multi-dimensional risk analysis |
US7899753B1 (en) | 2002-03-25 | 2011-03-01 | Jpmorgan Chase Bank, N.A | Systems and methods for time variable financial authentication |
US20180165441A1 (en) | 2002-03-25 | 2018-06-14 | Glenn Cobourn Everhart | Systems and methods for multifactor authentication |
US20030187781A1 (en) * | 2002-03-26 | 2003-10-02 | First Data Corporation | Method and system for processing card reissue transactions |
WO2003083619A2 (en) | 2002-03-29 | 2003-10-09 | Bank One, Delaware, N.A. | System and process for performing purchase transaction using tokens |
US20040210498A1 (en) | 2002-03-29 | 2004-10-21 | Bank One, National Association | Method and system for performing purchase and other transactions using tokens with multiple chips |
KR100445868B1 (en) * | 2002-04-01 | 2004-08-30 | 성미선 | System and method for operating a gift certificate on the basis of credit card transactions |
US7134087B2 (en) * | 2002-04-05 | 2006-11-07 | Maritz Inc. | System and method for transacting purchases with a cash vendor using points |
US20030208361A1 (en) * | 2002-05-02 | 2003-11-06 | Belinne Daryl Jarvis | Configuration of systems with services |
US20030208439A1 (en) * | 2002-05-03 | 2003-11-06 | Rast Rodger H. | Automated soft limit control of electronic transaction accounts |
US8078505B2 (en) | 2002-06-10 | 2011-12-13 | Ebay Inc. | Method and system for automatically updating a seller application utilized in a network-based transaction facility |
US7899707B1 (en) | 2002-06-18 | 2011-03-01 | Ewinwin, Inc. | DAS predictive modeling and reporting function |
US7788129B2 (en) * | 2002-06-25 | 2010-08-31 | American Express Travel Related Services Company, Inc. | System and method for redeeming vouchers |
US7606730B2 (en) * | 2002-06-25 | 2009-10-20 | American Express Travel Relate Services Company, Inc. | System and method for a multiple merchant stored value card |
US8412623B2 (en) * | 2002-07-15 | 2013-04-02 | Citicorp Credit Services, Inc. | Method and system for a multi-purpose transactional platform |
US20040019543A1 (en) * | 2002-07-25 | 2004-01-29 | First Data Corporation | Systems and methods for non-account based liability reporting |
US8239304B1 (en) | 2002-07-29 | 2012-08-07 | Jpmorgan Chase Bank, N.A. | Method and system for providing pre-approved targeted products |
US20030167218A1 (en) * | 2002-08-09 | 2003-09-04 | Field Michelle D. | Modular financial service instrument |
US7689463B1 (en) | 2002-08-28 | 2010-03-30 | Ewinwin, Inc. | Multiple supplier system and method for transacting business |
US6805287B2 (en) * | 2002-09-12 | 2004-10-19 | American Express Travel Related Services Company, Inc. | System and method for converting a stored value card to a credit card |
US7809595B2 (en) | 2002-09-17 | 2010-10-05 | Jpmorgan Chase Bank, Na | System and method for managing risks associated with outside service providers |
US7058660B2 (en) | 2002-10-02 | 2006-06-06 | Bank One Corporation | System and method for network-based project management |
US20040122736A1 (en) | 2002-10-11 | 2004-06-24 | Bank One, Delaware, N.A. | System and method for granting promotional rewards to credit account holders |
EP1411482A1 (en) * | 2002-10-14 | 2004-04-21 | Lucheon Vouchers Ltd trading as Accor Services | Improved token-management system |
US20040073497A1 (en) * | 2002-10-15 | 2004-04-15 | Hayes Mark R. | Method and system for automated linkable promotions |
US20040078324A1 (en) * | 2002-10-16 | 2004-04-22 | Carl Lonnberg | Systems and methods for authenticating a financial account at activation |
US8301493B2 (en) | 2002-11-05 | 2012-10-30 | Jpmorgan Chase Bank, N.A. | System and method for providing incentives to consumers to share information |
US20080027859A1 (en) * | 2002-12-04 | 2008-01-31 | Pay Rent, Build Credit, Inc. | Preferred credit information data collection method |
US7856454B2 (en) * | 2002-12-20 | 2010-12-21 | Siebel Systems, Inc. | Data model for business relationships |
US8538840B2 (en) * | 2002-12-20 | 2013-09-17 | Siebel Systems, Inc. | Financial services data model |
US7472090B1 (en) * | 2002-12-31 | 2008-12-30 | Capital One Financial Corporation | Method and system for providing a higher credit limit to a customer |
US20050027649A1 (en) * | 2003-02-27 | 2005-02-03 | Richard Cech | Event typer |
US8392298B2 (en) | 2003-03-04 | 2013-03-05 | Siebel Systems, Inc. | Invoice adjustment data object for a common data object format |
US8473399B2 (en) | 2003-03-04 | 2013-06-25 | Siebel Systems, Inc. | Invoice data object for a common data object format |
US9704120B2 (en) * | 2003-03-24 | 2017-07-11 | Oracle International Corporation | Inventory balance common object |
US8510179B2 (en) * | 2003-03-24 | 2013-08-13 | Siebel Systems, Inc. | Inventory transaction common object |
US7912932B2 (en) * | 2003-03-24 | 2011-03-22 | Siebel Systems, Inc. | Service request common object |
US8489470B2 (en) * | 2003-03-24 | 2013-07-16 | Siebel Systems, Inc. | Inventory location common object |
US7904340B2 (en) * | 2003-03-24 | 2011-03-08 | Siebel Systems, Inc. | Methods and computer-readable medium for defining a product model |
US20070208577A1 (en) * | 2003-03-24 | 2007-09-06 | Leon Maria T B | Position common object |
US20070226037A1 (en) * | 2003-03-25 | 2007-09-27 | Shailendra Garg | Modeling of opportunity data |
US20040188515A1 (en) * | 2003-03-26 | 2004-09-30 | Ivan Jimenez | Pre-paid internet credit card |
US10311412B1 (en) | 2003-03-28 | 2019-06-04 | Jpmorgan Chase Bank, N.A. | Method and system for providing bundled electronic payment and remittance advice |
US20040199421A1 (en) * | 2003-04-04 | 2004-10-07 | Oda Lisa Maureen | Method and system to discharge a liability associated with a proprietary currency |
US20040204991A1 (en) * | 2003-04-11 | 2004-10-14 | Jay Monahan | Method and system to incentivize a seller to perform an activity relating to a network-based marketplace |
US9881308B2 (en) * | 2003-04-11 | 2018-01-30 | Ebay Inc. | Method and system to facilitate an online promotion relating to a network-based marketplace |
US7268667B2 (en) * | 2003-05-09 | 2007-09-11 | American Express Travel Related Services Company, Inc. | Systems and methods for providing a RF transaction device operable to store multiple distinct accounts |
US7895119B2 (en) * | 2003-05-13 | 2011-02-22 | Bank Of America Corporation | Method and system for pushing credit payments as buyer initiated transactions |
US20040230526A1 (en) * | 2003-05-13 | 2004-11-18 | Praisner C. Todd | Payment control system and associated method for facilitating credit payments in the accounts payable environment |
US8306907B2 (en) | 2003-05-30 | 2012-11-06 | Jpmorgan Chase Bank N.A. | System and method for offering risk-based interest rates in a credit instrument |
US7606727B1 (en) | 2003-06-16 | 2009-10-20 | Jpmorgan Chase Bank, N.A. | System and method for identifying optimal marketing offers |
US7364086B2 (en) * | 2003-06-16 | 2008-04-29 | Ewinwin, Inc. | Dynamic discount card tied to price curves and group discounts |
US8590785B1 (en) | 2004-06-15 | 2013-11-26 | Ewinwin, Inc. | Discounts in a mobile device |
US7742985B1 (en) | 2003-06-26 | 2010-06-22 | Paypal Inc. | Multicurrency exchanges between participants of a network-based transaction facility |
RU2006104445A (en) * | 2003-07-15 | 2006-07-10 | Американ Экспресс Тревл Рилейтед Сервисиз Компани, Инк., (US) | METHOD AND COMPUTERIZED SYSTEM FOR MANAGING A FINANCIAL ACCOUNT, METHOD FOR ADJUSTING THE AMOUNT OF ACCESSIBLE BALANCE ON ACCOUNT, METHOD FOR CASHING MONEY TO THE ACCOUNT, THE CALCULATION CALCULATION LIST |
US20050035196A1 (en) * | 2003-08-15 | 2005-02-17 | Whitmarsh Winston Chandler | Autograph card tracking and verification |
US8156042B2 (en) * | 2003-08-29 | 2012-04-10 | Starbucks Corporation | Method and apparatus for automatically reloading a stored value card |
US7953663B1 (en) | 2003-09-04 | 2011-05-31 | Jpmorgan Chase Bank, N.A. | System and method for financial instrument pre-qualification and offering |
US8175908B1 (en) | 2003-09-04 | 2012-05-08 | Jpmorgan Chase Bank, N.A. | Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data |
AU2003262344B8 (en) * | 2003-09-05 | 2005-02-24 | Synchrony Bank | Payment card processing system and methods |
US8239323B2 (en) | 2003-09-23 | 2012-08-07 | Jpmorgan Chase Bank, N.A. | Method and system for distribution of unactivated bank account cards |
US7949594B2 (en) * | 2003-09-26 | 2011-05-24 | First Data Corporation | Systems and methods for participant controlled communications regarding financial accounts |
US20050080672A1 (en) * | 2003-10-13 | 2005-04-14 | Starbucks Corporation | Creating customer loyalty |
KR20090132641A (en) * | 2003-10-13 | 2009-12-30 | 스타벅스 코포레이션 디/비/에이 스타벅스 커피 컴퍼니 | Dual card |
WO2005048145A1 (en) * | 2003-10-13 | 2005-05-26 | Starbucks Corporation D/B/A Starbucks Coffee Company | Dual card |
CA2517096A1 (en) * | 2003-10-13 | 2005-04-21 | Starbucks Corporation | Communication from open network to closed network to facilitate customer loyalty programs |
US7204412B2 (en) * | 2003-10-14 | 2007-04-17 | Compucredit Intellectual Property Holdings Corp. Iii | Family stored value card program |
US8015085B2 (en) | 2003-11-14 | 2011-09-06 | First Data Corporation | System for distributing funds |
US8655309B2 (en) | 2003-11-14 | 2014-02-18 | E2Interactive, Inc. | Systems and methods for electronic device point-of-sale activation |
US7437328B2 (en) * | 2003-11-14 | 2008-10-14 | E2Interactive, Inc. | Value insertion using bill pay card preassociated with biller |
US20050125343A1 (en) * | 2003-12-03 | 2005-06-09 | Mendelovich Isaac F. | Method and apparatus for monetizing personal consumer profiles by aggregating a plurality of consumer credit card accounts into one card |
US7814003B2 (en) * | 2003-12-15 | 2010-10-12 | Jp Morgan Chase | Billing workflow system for crediting charges to entities creating derivatives exposure |
KR100439437B1 (en) * | 2003-12-18 | 2004-07-09 | 주식회사 교원나라 | Bank transaction system for linked accounts via common account |
US8102982B2 (en) * | 2003-12-19 | 2012-01-24 | International Business Machines Corporation | Credit card activation processing system and method |
US20050144100A1 (en) * | 2003-12-30 | 2005-06-30 | Craig Shapiro | Payment systems and methods for earning incentives using at least two financial instruments |
US20060247975A1 (en) * | 2003-12-30 | 2006-11-02 | Craig Shapiro | Processes and systems employing multiple sources of funds |
US8538874B2 (en) | 2004-02-06 | 2013-09-17 | Propulsion Remote Holdings, Llc | Pay yourself first with auto bill pay system and method |
US20050177510A1 (en) * | 2004-02-09 | 2005-08-11 | Visa International Service Association, A Delaware Corporation | Buyer initiated payment |
WO2005084187A2 (en) * | 2004-02-23 | 2005-09-15 | I4 Licensing Llc | Verification and authorization of a consumer transaction |
US7191288B2 (en) * | 2004-02-24 | 2007-03-13 | Sun Microsystems, Inc. | Method and apparatus for providing an application on a smart card |
US7165727B2 (en) * | 2004-02-24 | 2007-01-23 | Sun Microsystems, Inc. | Method and apparatus for installing an application onto a smart card |
US7140549B2 (en) * | 2004-02-24 | 2006-11-28 | Sun Microsystems, Inc. | Method and apparatus for selecting a desired application on a smart card |
US7374099B2 (en) * | 2004-02-24 | 2008-05-20 | Sun Microsystems, Inc. | Method and apparatus for processing an application identifier from a smart card |
WO2005091846A2 (en) * | 2004-02-27 | 2005-10-06 | Richard Postrel | Method and system for implementing a search engine with reward components and payment components |
US7243839B2 (en) | 2004-03-12 | 2007-07-17 | American Express Travel Related Services Company, Inc. | Systems, methods, and devices for selling transaction instruments |
US7191939B2 (en) * | 2004-03-12 | 2007-03-20 | American Express Travel Related Services Company, Inc. | Systems, methods, and devices for selling transaction instruments via web-based tool |
US20160210652A9 (en) * | 2004-03-12 | 2016-07-21 | American Express Travel Related Services Company, Inc. | Rebate transaction instrument system and method |
US7281653B2 (en) * | 2004-03-12 | 2007-10-16 | American Express Travel Related Services Company, Inc. | Transaction instrument inventory management system and method |
US20050246289A1 (en) * | 2004-04-13 | 2005-11-03 | Alexander Robert M Iv | System and method for processing and for funding a transaction |
US20050234817A1 (en) * | 2004-04-16 | 2005-10-20 | First Data Corporation | Methods and systems for private label transaction processing |
US8112296B2 (en) * | 2004-05-21 | 2012-02-07 | Siebel Systems, Inc. | Modeling of job profile data |
US7865390B2 (en) * | 2004-05-21 | 2011-01-04 | Siebel Systems, Inc. | Modeling of employee performance result data |
US20060200362A1 (en) * | 2004-05-26 | 2006-09-07 | First Data Corporation | Presentation instrument insert systems and methods |
US20050278426A1 (en) * | 2004-06-15 | 2005-12-15 | First Data Corporation | Systems and methods for merging communications |
US8554673B2 (en) | 2004-06-17 | 2013-10-08 | Jpmorgan Chase Bank, N.A. | Methods and systems for discounts management |
US7467106B1 (en) | 2004-06-18 | 2008-12-16 | Jpmorgan Chase Bank, N.A. | System and method for offer management |
US8429006B1 (en) | 2004-06-18 | 2013-04-23 | Jpmorgan Chase Bank, N.A. | System and method for offer targeting |
US8121944B2 (en) | 2004-06-24 | 2012-02-21 | Jpmorgan Chase Bank, N.A. | Method and system for facilitating network transaction processing |
US20060149671A1 (en) * | 2004-06-25 | 2006-07-06 | Robert Nix | Payment processing method and system |
US7318550B2 (en) * | 2004-07-01 | 2008-01-15 | American Express Travel Related Services Company, Inc. | Biometric safeguard method for use with a smartcard |
US7529706B2 (en) * | 2004-07-14 | 2009-05-05 | Yahoo! Inc. | Systems and methods for performing international money exchanges |
US20060015452A1 (en) * | 2004-07-14 | 2006-01-19 | Mani Kulasooriya | Systems and methods for implementing account-to-account international money exchanges |
US7856384B1 (en) | 2004-07-14 | 2010-12-21 | Yahoo! Inc. | Systems and methods for providing security in international money exchanges |
US8290863B2 (en) | 2004-07-23 | 2012-10-16 | Jpmorgan Chase Bank, N.A. | Method and system for expediting payment delivery |
US8290862B2 (en) | 2004-07-23 | 2012-10-16 | Jpmorgan Chase Bank, N.A. | Method and system for expediting payment delivery |
US8407137B2 (en) | 2004-08-02 | 2013-03-26 | Propulsion Remote Holdings, Llc | Pay yourself first with user guidance |
US7392222B1 (en) | 2004-08-03 | 2008-06-24 | Jpmorgan Chase Bank, N.A. | System and method for providing promotional pricing |
US7870071B2 (en) * | 2004-09-08 | 2011-01-11 | American Express Travel Related Services Company, Inc. | Systems, methods, and devices for combined credit card and stored value transaction accounts |
US20060065747A1 (en) * | 2004-09-27 | 2006-03-30 | Alexander Leites | Bankphone |
US20060065719A1 (en) * | 2004-09-28 | 2006-03-30 | Doyle Brian J | Method of associating a non-proprietary card with a profile |
US7917395B2 (en) | 2004-09-28 | 2011-03-29 | The Western Union Company | Wireless network access prepayment systems and methods |
US8152054B2 (en) | 2004-10-19 | 2012-04-10 | The Western Union Company | Money transfer systems and methods |
US7641109B2 (en) * | 2005-05-18 | 2010-01-05 | The Western Union Company | Money transfer cards, systems and methods |
US7455221B2 (en) * | 2004-11-12 | 2008-11-25 | Boscov's Department Store, Llc | Method and system for providing multiple credit lines |
US8620739B1 (en) | 2004-12-03 | 2013-12-31 | Amazon Technologies, Inc. | Dynamic conversion and use of non-monetary rewards |
US7232073B1 (en) | 2004-12-21 | 2007-06-19 | Sun Microsystems, Inc. | Smart card with multiple applications |
US20060208064A1 (en) * | 2005-01-18 | 2006-09-21 | Isaac Mendelovich | Method for managing consumer accounts and transactions |
AU2005325726B2 (en) | 2005-01-25 | 2011-10-27 | I4 Commerce Inc. | Computer-implemented method and system for dynamic consumer rating in a transaction |
US8630898B1 (en) | 2005-02-22 | 2014-01-14 | Jpmorgan Chase Bank, N.A. | Stored value card provided with merchandise as rebate |
FR2882880B1 (en) * | 2005-03-04 | 2007-06-22 | Barret Patrick | METHOD OF SECURING A TRANSACTION WITH A PAYMENT CARD, AND AUTHORIZATION CENTER FOR CARRYING OUT SAID METHOD |
US20060202304A1 (en) * | 2005-03-11 | 2006-09-14 | Orr Raymond K | Integrated circuit with temperature-controlled component |
US20060217996A1 (en) * | 2005-03-23 | 2006-09-28 | E2Interactive, Inc. D/B/A E2Interactive, Inc. | Point-of-sale activation of media device account |
US7472822B2 (en) | 2005-03-23 | 2009-01-06 | E2Interactive, Inc. | Delivery of value identifiers using short message service (SMS) |
US8474694B2 (en) * | 2005-03-23 | 2013-07-02 | E2Interactive, Inc. | Radio frequency identification purchase transactions |
CA2542068C (en) * | 2005-04-05 | 2016-01-26 | Dxstorm.Com Inc. | Electronic balance checking and credit approval system for use in conducting electronic transactions |
US8756099B2 (en) * | 2005-04-11 | 2014-06-17 | Bill Me Later, Inc. | Consumer processing system and method |
US7527195B2 (en) * | 2005-04-11 | 2009-05-05 | Bill Me Later, Inc. | Method and system for risk management in a transaction |
US20060229974A1 (en) * | 2005-04-11 | 2006-10-12 | I4 Licensing Llc | Method of extending credit to at least one consumer and method of processing a transaction between a consumer and a merchant |
US20060253321A1 (en) * | 2005-05-06 | 2006-11-09 | First Data Corporation | Loyalty enrollment systems and methods |
US20060253320A1 (en) * | 2005-05-06 | 2006-11-09 | First Data Corporation | Loyalty systems and methods |
US8672220B2 (en) * | 2005-09-30 | 2014-03-18 | The Western Union Company | Money transfer system and method |
US7392940B2 (en) | 2005-05-18 | 2008-07-01 | The Western Union Company | In-lane money transfer systems and methods |
US7401731B1 (en) | 2005-05-27 | 2008-07-22 | Jpmorgan Chase Bank, Na | Method and system for implementing a card product with multiple customized relationships |
US7506804B2 (en) * | 2005-05-27 | 2009-03-24 | U.S. Bancorp Licensing, Inc. | System and method for an integrated payment and reward card |
US7822682B2 (en) * | 2005-06-08 | 2010-10-26 | Jpmorgan Chase Bank, N.A. | System and method for enhancing supply chain transactions |
US7719426B2 (en) * | 2005-06-15 | 2010-05-18 | Worldtron Group, Inc. | Correctional supervision program and card |
US7742942B2 (en) * | 2005-06-22 | 2010-06-22 | Excentus Corporation | System and method for discounting fuel |
US20060293952A1 (en) * | 2005-06-22 | 2006-12-28 | Nicholson G R | Debit card incentive system and method |
US20060293953A1 (en) | 2005-06-22 | 2006-12-28 | Nicholson G R | System and method for influencing customer behavior |
BRPI0613950A2 (en) * | 2005-07-15 | 2011-02-22 | Revolution Money Inc | system and method for user selection of fraud detection rules |
US8571979B1 (en) * | 2005-07-22 | 2013-10-29 | Tcf Financial Corporation | Arrangements and methods for automatically dispersing and tracking funds |
US20070027799A1 (en) * | 2005-07-29 | 2007-02-01 | Jpmorgan Chase Bank, N.A. | Universal line of credit having multiple financial product features |
US20070051797A1 (en) * | 2005-08-22 | 2007-03-08 | Ronald Randolph-Wall | Methods and systems for packaging and distributing financial instruments |
US7925578B1 (en) | 2005-08-26 | 2011-04-12 | Jpmorgan Chase Bank, N.A. | Systems and methods for performing scoring optimization |
US20070080212A1 (en) * | 2005-10-11 | 2007-04-12 | Capital One Financial Corporation | Systems, methods, and computer-readable media for providing financial accounts with unique characteristics |
US20070083461A1 (en) * | 2005-10-12 | 2007-04-12 | A. Andalib | Systems and methods for extending consumer credit and processing transactions |
US8301566B2 (en) * | 2005-10-20 | 2012-10-30 | American Express Travel Related Services Company, Inc. | System and method for providing a financial transaction instrument with user-definable authorization criteria |
US20070136194A1 (en) * | 2005-12-14 | 2007-06-14 | David Sloan | Hybrid card |
US8190471B2 (en) * | 2005-12-16 | 2012-05-29 | E2Interactive, Inc. | Rebate card system |
US8489497B1 (en) * | 2006-01-27 | 2013-07-16 | Jpmorgan Chase Bank, N.A. | Online interactive and partner-enhanced credit card |
US7784682B2 (en) | 2006-02-08 | 2010-08-31 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to both customers and non-customers |
US8408455B1 (en) | 2006-02-08 | 2013-04-02 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to both customers and non-customers |
BRPI0707942A2 (en) * | 2006-02-16 | 2011-05-17 | Gs Ind Design Inc | method and system for recovering oil from distillation residues |
US7591419B2 (en) * | 2006-03-28 | 2009-09-22 | HSBC Card Services Inc. | User selectable functionality facilitator |
US20070228156A1 (en) * | 2006-03-28 | 2007-10-04 | Household Corporation | Interoperability facilitator |
CA2647602A1 (en) * | 2006-03-30 | 2008-03-06 | Obopay Inc. | Mobile person-to-person payment system |
US7753259B1 (en) | 2006-04-13 | 2010-07-13 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to both customers and non-customers |
US20080040261A1 (en) * | 2006-04-24 | 2008-02-14 | Robert Nix | Systems and methods for implementing financial transactions |
KR100831026B1 (en) * | 2006-05-10 | 2008-05-20 | 스타벅스 코포레이션 디/비/에이 스타벅스 커피 컴퍼니 | Creating customer loyalty |
US20070267479A1 (en) * | 2006-05-16 | 2007-11-22 | Chockstone, Inc. | Systems and methods for implementing parking transactions and other financial transactions |
US8668146B1 (en) | 2006-05-25 | 2014-03-11 | Sean I. Mcghie | Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds |
US8684265B1 (en) | 2006-05-25 | 2014-04-01 | Sean I. Mcghie | Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds |
US7703673B2 (en) | 2006-05-25 | 2010-04-27 | Buchheit Brian K | Web based conversion of non-negotiable credits associated with an entity to entity independent negotiable funds |
US8162209B2 (en) | 2006-05-25 | 2012-04-24 | Buchheit Brian K | Storefront purchases utilizing non-negotiable credits earned from a game of chance |
US8342399B1 (en) | 2006-05-25 | 2013-01-01 | Mcghie Sean I | Conversion of credits to funds |
US9704174B1 (en) | 2006-05-25 | 2017-07-11 | Sean I. Mcghie | Conversion of loyalty program points to commerce partner points per terms of a mutual agreement |
US10062062B1 (en) | 2006-05-25 | 2018-08-28 | Jbshbm, Llc | Automated teller machine (ATM) providing money for loyalty points |
US8376224B2 (en) | 2006-05-25 | 2013-02-19 | Sean I. Mcghie | Self-service stations for utilizing non-negotiable credits earned from a game of chance |
US7734545B1 (en) | 2006-06-14 | 2010-06-08 | Jpmorgan Chase Bank, N.A. | Method and system for processing recurring payments |
US20080015887A1 (en) * | 2006-07-14 | 2008-01-17 | Aegon Direct Marketing Services, Inc. | System and process for enrollment and sales |
WO2008013945A2 (en) | 2006-07-27 | 2008-01-31 | Leverage, Inc. | System and method for targeted marketing and consumer resource management |
US8639782B2 (en) | 2006-08-23 | 2014-01-28 | Ebay, Inc. | Method and system for sharing metadata between interfaces |
US8045956B2 (en) | 2007-01-05 | 2011-10-25 | Macronix International Co., Ltd. | System and method of managing contactless payment transactions using a mobile communication device as a stored value device |
US8554669B2 (en) | 2007-01-09 | 2013-10-08 | Bill Me Later, Inc. | Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale |
US8566240B2 (en) * | 2007-01-16 | 2013-10-22 | E2Interactive, Inc. | Systems and methods for the payment of customer bills utilizing payment platform of biller |
US20080172331A1 (en) * | 2007-01-16 | 2008-07-17 | Graves Phillip C | Bill Payment Card Method and System |
US7933835B2 (en) * | 2007-01-17 | 2011-04-26 | The Western Union Company | Secure money transfer systems and methods using biometric keys associated therewith |
US8818904B2 (en) | 2007-01-17 | 2014-08-26 | The Western Union Company | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
US20080177659A1 (en) * | 2007-01-19 | 2008-07-24 | Timothy Douglas Lacey | Systems and methods for providing financial processing in conjunction with instant messaging and other communications |
US8280807B2 (en) * | 2007-02-23 | 2012-10-02 | Yasas Jayasuriya | System of transferring and utilising reusable credit |
WO2008101271A2 (en) * | 2007-02-23 | 2008-08-28 | Yasas Jayasuriya | Making payments through transfer of reusable credit |
US8433648B2 (en) * | 2007-02-26 | 2013-04-30 | Bill Me Later, Inc. | Method and system for engaging in a transaction between a consumer and a merchant |
US8332331B2 (en) * | 2007-03-19 | 2012-12-11 | Hewlett-Packard Development Company, L.P. | Determining a price premium for a project |
US8504473B2 (en) | 2007-03-28 | 2013-08-06 | The Western Union Company | Money transfer system and messaging system |
US20090287557A1 (en) * | 2007-04-17 | 2009-11-19 | American Express Travel Related Services Company, Inc. | System and method for incentivizing consumers |
US20100106576A1 (en) * | 2007-04-17 | 2010-04-29 | American Express Travel Related Services Company, Inc. | System and method for distributing and tracking incentives for positive behavior |
US20100106580A1 (en) * | 2007-04-17 | 2010-04-29 | American Express Travel Related Services Company, Inc. | System and method for determining positive behavior and/or making awards based upon geographic location |
US20100106586A1 (en) * | 2007-04-17 | 2010-04-29 | American Express Travel Related Services Company, Inc. | System and method for determining positive consumer behavior based upon structural risk |
US20100106589A1 (en) * | 2007-04-17 | 2010-04-29 | American Express Travel Related Services Company, Inc. | System and method for determining a positive behavior based upon an accumulated metric or trend |
US20100106581A1 (en) * | 2007-04-17 | 2010-04-29 | American Express Travel Related Services Company Inc. | System and method for enabling registration, determination and distribution of positive behavior incentives |
US8666880B2 (en) * | 2007-04-17 | 2014-03-04 | American Express Travel Related Services Company, Inc. | System and method for flexible payment terms |
US20100106579A1 (en) * | 2007-04-17 | 2010-04-29 | American Express Travel Related Services Company, Inc. | System and method for determining consumer incentives based upon positive consumer behavior |
US20100106582A1 (en) * | 2007-04-17 | 2010-04-29 | American Express Travel Related Services Company, Inc. | System and method for determining and affecting a change in consumer behavior |
US20080272188A1 (en) | 2007-05-02 | 2008-11-06 | I4 Commerce Inc. | Distributed system for commerce |
US7809637B2 (en) * | 2007-06-04 | 2010-10-05 | Visa U.S.A. Inc. | Portability of financial tokens |
US20080319854A1 (en) * | 2007-06-19 | 2008-12-25 | Christian Roger Duroux | Reward system and method for online credit and debit card transactions |
US20080319838A1 (en) * | 2007-06-19 | 2008-12-25 | Christian Roger Duroux | Reward system and method for online credit and debit card transactions |
US8676642B1 (en) | 2007-07-05 | 2014-03-18 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to financial account holders |
US20090037411A1 (en) * | 2007-07-31 | 2009-02-05 | Vaibhava Goel | Membership selection assistant |
WO2009026460A1 (en) | 2007-08-23 | 2009-02-26 | Giftango Corporation | Systems and methods for electronic delivery of stored value |
US8762259B1 (en) * | 2007-09-21 | 2014-06-24 | United Services Automobile Association (Usaa) | Real-time prescreening for credit offers |
US8417601B1 (en) | 2007-10-18 | 2013-04-09 | Jpmorgan Chase Bank, N.A. | Variable rate payment card |
US8756282B2 (en) * | 2007-11-19 | 2014-06-17 | Mastercard International Incorporated | Interpersonal communication enhancer |
US8452707B2 (en) * | 2007-11-23 | 2013-05-28 | Bansi Lal Sharma | Credit card, credit card systems and method |
US20090138397A1 (en) * | 2007-11-23 | 2009-05-28 | Bansi Lal Sharma | Credit card payment system and method |
US20090138390A1 (en) * | 2007-11-26 | 2009-05-28 | Mastercard International, Inc. | Financial Transaction Message Exchange System |
US8335739B1 (en) | 2007-12-14 | 2012-12-18 | Capital One Financial Corporation | System and method for providing credit to a customer based on the customer's preliminary use of an account funded by another party |
US20090159679A1 (en) * | 2007-12-20 | 2009-06-25 | Mastercard International, Inc. | Ultra Low-Power User Authentication Device for Financial Transactions |
US20090171830A1 (en) * | 2007-12-27 | 2009-07-02 | Mastercard International, Inc. | Payment Transaction System |
US8527415B2 (en) | 2007-12-27 | 2013-09-03 | Mastercard International, Inc. | Techniques for conducting financial transactions using mobile communication devices |
US20100287083A1 (en) * | 2007-12-28 | 2010-11-11 | Mastercard International, Inc. | Detecting modifications to financial terminals |
US7766244B1 (en) | 2007-12-31 | 2010-08-03 | Jpmorgan Chase Bank, N.A. | System and method for processing transactions using a multi-account transactions device |
US8622308B1 (en) | 2007-12-31 | 2014-01-07 | Jpmorgan Chase Bank, N.A. | System and method for processing transactions using a multi-account transactions device |
US10540712B2 (en) | 2008-02-08 | 2020-01-21 | The Pnc Financial Services Group, Inc. | User interface with controller for selectively redistributing funds between accounts |
US8239322B2 (en) | 2008-02-20 | 2012-08-07 | Pitney Bowes Inc. | Method of postal payment for set of customized postage |
US8141780B2 (en) | 2008-02-23 | 2012-03-27 | Cedar Ridge Research Llc | System and method for data card emulation |
US20090228384A1 (en) * | 2008-03-08 | 2009-09-10 | Stefan Melik-Aslanian | Real Time Replacement System and Method for Lost or Stolen Credit Cards / Debit Cards |
USRE47247E1 (en) | 2008-05-07 | 2019-02-19 | Cina Solutions Inc. | One card system |
US8401938B1 (en) | 2008-05-12 | 2013-03-19 | The Pnc Financial Services Group, Inc. | Transferring funds between parties' financial accounts |
US8751385B1 (en) | 2008-05-15 | 2014-06-10 | The Pnc Financial Services Group, Inc. | Financial email |
US8719164B2 (en) | 2008-06-19 | 2014-05-06 | Bill Me Later, Inc. | Method and system for engaging in a transaction between a business entity and a merchant |
US20090327067A1 (en) * | 2008-06-26 | 2009-12-31 | First Data Corporation | Systems and Methods for Distributing Incentives to Consumers to Encourage Subsequent Action |
US8768829B2 (en) * | 2008-07-06 | 2014-07-01 | Anthony Jeremiah Bayne | System and method for providing transactional credit |
USD636021S1 (en) | 2008-07-17 | 2011-04-12 | Jpmorgan Chase Bank, N.A. | Eco-friendly transaction device |
MX2011002436A (en) * | 2008-09-04 | 2011-05-02 | Mastercard International Inc | System and method for performing a real time redemption transaction by leveraging a payment network. |
US8751376B1 (en) * | 2008-09-15 | 2014-06-10 | Galileo Processing, Inc. | Financial instrument having credit and pre-paid characteristics |
US20100088207A1 (en) * | 2008-09-25 | 2010-04-08 | Mastercard International Incorporated | Method and System for Linkage of Generally Available Healthcare Accounts to Credit Card |
US10872349B1 (en) | 2008-09-30 | 2020-12-22 | Amazon Technologies, Inc. | Redeeming rewards points |
US10867298B1 (en) * | 2008-10-31 | 2020-12-15 | Wells Fargo Bank, N.A. | Payment vehicle with on and off function |
US20100114768A1 (en) | 2008-10-31 | 2010-05-06 | Wachovia Corporation | Payment vehicle with on and off function |
US20100138321A1 (en) * | 2008-12-01 | 2010-06-03 | Pitney Bowes Inc. | Method of postal fraud detection for stamps activated at point of sale |
US8200554B1 (en) * | 2008-12-18 | 2012-06-12 | Intuit Inc. | Graduated automatic savings |
US8407087B2 (en) * | 2009-01-14 | 2013-03-26 | Signature Systems, LLC. | Online reward point exchange method and system |
US8615428B2 (en) | 2009-01-14 | 2013-12-24 | Signature Systems, LLC. | Point of sale device for online reward point exchange method and system |
US20120004967A1 (en) * | 2009-01-21 | 2012-01-05 | Billshrink, Inc. | System and method for providing a future reward through a user financial instrument |
US8566197B2 (en) | 2009-01-21 | 2013-10-22 | Truaxis, Inc. | System and method for providing socially enabled rewards through a user financial instrument |
US10504126B2 (en) | 2009-01-21 | 2019-12-10 | Truaxis, Llc | System and method of obtaining merchant sales information for marketing or sales teams |
US10594870B2 (en) | 2009-01-21 | 2020-03-17 | Truaxis, Llc | System and method for matching a savings opportunity using census data |
US8600857B2 (en) | 2009-01-21 | 2013-12-03 | Truaxis, Inc. | System and method for providing a savings opportunity in association with a financial account |
US8831976B2 (en) * | 2009-01-22 | 2014-09-09 | Maritz Holdings Inc. | System and method for transacting purchases with a cash vendor using points and a virtual credit card |
US20100191652A1 (en) * | 2009-01-23 | 2010-07-29 | Eckert Daniel J | Systems and methods for adding functionality to a uis for use at a point of interaction |
US10891037B1 (en) | 2009-01-30 | 2021-01-12 | The Pnc Financial Services Group, Inc. | User interfaces and system including same |
US8965798B1 (en) | 2009-01-30 | 2015-02-24 | The Pnc Financial Services Group, Inc. | Requesting reimbursement for transactions |
USD617378S1 (en) | 2009-02-12 | 2010-06-08 | Jpmorgan Chase Bank, N.A. | Transaction device with a gem-like surface appearance |
USD620975S1 (en) | 2009-02-12 | 2010-08-03 | Jpmorgan Chase Bank, N.A. | Transaction device |
US9721238B2 (en) * | 2009-02-13 | 2017-08-01 | Visa U.S.A. Inc. | Point of interaction loyalty currency redemption in a transaction |
US9031859B2 (en) * | 2009-05-21 | 2015-05-12 | Visa U.S.A. Inc. | Rebate automation |
US8725589B1 (en) | 2009-07-30 | 2014-05-13 | Jpmorgan Chase Bank, N.A. | Methods for personalizing multi-layer transaction cards |
US10515427B1 (en) | 2009-08-14 | 2019-12-24 | Citicorp Credit Services, Inc. (Usa) | Methods and systems for use of a prepaid payment device for a healthcare service or product |
US10074081B1 (en) | 2009-08-14 | 2018-09-11 | Citicorp Credit Services, Inc. (Usa) | Methods and systems for use of a prepaid payment device |
US8463706B2 (en) | 2009-08-24 | 2013-06-11 | Visa U.S.A. Inc. | Coupon bearing sponsor account transaction authorization |
US8505813B2 (en) | 2009-09-04 | 2013-08-13 | Bank Of America Corporation | Customer benefit offer program enrollment |
CA2773819C (en) * | 2009-09-10 | 2019-08-06 | Jeanette Maria Yoder | Third party merchant-funded rewards accrual and redemption network |
US8423453B1 (en) | 2009-10-07 | 2013-04-16 | Capital One Financial Corporation | Systems and methods for processing a transaction |
US20110137740A1 (en) | 2009-12-04 | 2011-06-09 | Ashmit Bhattacharya | Processing value-ascertainable items |
US8386381B1 (en) | 2009-12-16 | 2013-02-26 | Jpmorgan Chase Bank, N.A. | Method and system for detecting, monitoring and addressing data compromises |
USD623690S1 (en) | 2010-03-05 | 2010-09-14 | Jpmorgan Chase Bank, N.A. | Metal transaction device with gem-like surface |
US20110231269A1 (en) * | 2010-03-18 | 2011-09-22 | Michael Joseph Mulhall | Method for Recipient Orientated Financial Services |
US8447641B1 (en) | 2010-03-29 | 2013-05-21 | Jpmorgan Chase Bank, N.A. | System and method for automatically enrolling buyers into a network |
US8780115B1 (en) | 2010-04-06 | 2014-07-15 | The Pnc Financial Services Group, Inc. | Investment management marketing tool |
US8791949B1 (en) | 2010-04-06 | 2014-07-29 | The Pnc Financial Services Group, Inc. | Investment management marketing tool |
US20110295748A1 (en) * | 2010-05-27 | 2011-12-01 | Christopher Woodriffe | Digital credit card |
US20110302084A1 (en) * | 2010-06-02 | 2011-12-08 | Stefan Melik-Aslanian | System and method for immediate replacement of lost or stolen credit cards/debit cards |
US8442913B2 (en) * | 2010-06-29 | 2013-05-14 | Visa International Service Association | Evolving payment device |
US11475524B1 (en) | 2010-07-02 | 2022-10-18 | The Pnc Financial Services Group, Inc. | Investor retirement lifestyle planning tool |
US8417614B1 (en) | 2010-07-02 | 2013-04-09 | The Pnc Financial Services Group, Inc. | Investor personality tool |
US8554631B1 (en) | 2010-07-02 | 2013-10-08 | Jpmorgan Chase Bank, N.A. | Method and system for determining point of sale authorization |
US11475523B1 (en) | 2010-07-02 | 2022-10-18 | The Pnc Financial Services Group, Inc. | Investor retirement lifestyle planning tool |
US8423444B1 (en) | 2010-07-02 | 2013-04-16 | The Pnc Financial Services Group, Inc. | Investor personality tool |
USD643064S1 (en) | 2010-07-29 | 2011-08-09 | Jpmorgan Chase Bank, N.A. | Metal transaction device with gem-like surface |
US8589288B1 (en) | 2010-10-01 | 2013-11-19 | Jpmorgan Chase Bank, N.A. | System and method for electronic remittance of funds |
US9031869B2 (en) | 2010-10-13 | 2015-05-12 | Gift Card Impressions, LLC | Method and system for generating a teaser video associated with a personalized gift |
US9483786B2 (en) | 2011-10-13 | 2016-11-01 | Gift Card Impressions, LLC | Gift card ordering system and method |
US20120109819A1 (en) * | 2010-10-27 | 2012-05-03 | Transatlantic Solutions, LLC | Systems and methods for providing customized installment payment plans |
US20120116964A1 (en) * | 2010-11-05 | 2012-05-10 | Onbest Technology Holdings Limited | Method and system of transaction cards management through business network |
US11157935B1 (en) | 2010-12-03 | 2021-10-26 | Excentus Corporation | Systems and methods for self-generation of E-coupons |
US9852470B1 (en) | 2011-02-28 | 2017-12-26 | The Pnc Financial Services Group, Inc. | Time period analysis tools for wealth management transactions |
US8321316B1 (en) | 2011-02-28 | 2012-11-27 | The Pnc Financial Services Group, Inc. | Income analysis tools for wealth management |
US8374940B1 (en) | 2011-02-28 | 2013-02-12 | The Pnc Financial Services Group, Inc. | Wealth allocation analysis tools |
US9665908B1 (en) | 2011-02-28 | 2017-05-30 | The Pnc Financial Services Group, Inc. | Net worth analysis tools |
US8543503B1 (en) | 2011-03-30 | 2013-09-24 | Jpmorgan Chase Bank, N.A. | Systems and methods for automated invoice entry |
US8543504B1 (en) | 2011-03-30 | 2013-09-24 | Jpmorgan Chase Bank, N.A. | Systems and methods for automated invoice entry |
US11113669B1 (en) | 2011-04-19 | 2021-09-07 | The Pnc Financial Services Group, Inc. | Managing employee compensation information |
US8751298B1 (en) | 2011-05-09 | 2014-06-10 | Bank Of America Corporation | Event-driven coupon processor alert |
US9892419B1 (en) | 2011-05-09 | 2018-02-13 | Bank Of America Corporation | Coupon deposit account fraud protection system |
WO2012162351A1 (en) | 2011-05-23 | 2012-11-29 | Mastercard International, Inc. | Combicard transaction method and system having an application parameter update mechanism |
US20130036001A1 (en) * | 2011-08-05 | 2013-02-07 | Triliant, LLC | System for an integrated multi-vendor customer loyalty and targeted marketing program and method for its use |
US10223707B2 (en) | 2011-08-19 | 2019-03-05 | Visa International Service Association | Systems and methods to communicate offer options via messaging in real time with processing of payment transaction |
US8768830B1 (en) | 2011-09-08 | 2014-07-01 | Citibank, N.A. | Method and system for a multi-purpose transactional platform |
WO2013073971A1 (en) * | 2011-09-23 | 2013-05-23 | Air New Zealand | Multiple-use card processing method and system |
US8332290B1 (en) | 2012-01-05 | 2012-12-11 | U.S. Bancorp Licensing, Inc. | Real-time rewards redemption |
US10169812B1 (en) | 2012-01-20 | 2019-01-01 | The Pnc Financial Services Group, Inc. | Providing financial account information to users |
US10360578B2 (en) | 2012-01-30 | 2019-07-23 | Visa International Service Association | Systems and methods to process payments based on payment deals |
US10417677B2 (en) | 2012-01-30 | 2019-09-17 | Gift Card Impressions, LLC | Group video generating system |
US8880431B2 (en) | 2012-03-16 | 2014-11-04 | Visa International Service Association | Systems and methods to generate a receipt for a transaction |
US9460436B2 (en) | 2012-03-16 | 2016-10-04 | Visa International Service Association | Systems and methods to apply the benefit of offers via a transaction handler |
US9922338B2 (en) | 2012-03-23 | 2018-03-20 | Visa International Service Association | Systems and methods to apply benefit of offers |
US9495690B2 (en) | 2012-04-04 | 2016-11-15 | Visa International Service Association | Systems and methods to process transactions and offers via a gateway |
US9898733B1 (en) | 2012-05-04 | 2018-02-20 | Excentus Corporation | System and method for combining disparate commercial transactions under a single identification mechanism |
US9864988B2 (en) | 2012-06-15 | 2018-01-09 | Visa International Service Association | Payment processing for qualified transaction items |
US9626678B2 (en) * | 2012-08-01 | 2017-04-18 | Visa International Service Association | Systems and methods to enhance security in transactions |
US10438199B2 (en) | 2012-08-10 | 2019-10-08 | Visa International Service Association | Systems and methods to apply values from stored value accounts to payment transactions |
US10685367B2 (en) | 2012-11-05 | 2020-06-16 | Visa International Service Association | Systems and methods to provide offer benefits based on issuer identity |
WO2014108762A2 (en) * | 2013-01-14 | 2014-07-17 | Yogesh Chunilal Rathod | Dynamic products & services card & account and/or global payments & mobile network(s) mediated & managed dynamic e-commerce, advertising & marketing platform(s) and service(s) |
US9565911B2 (en) | 2013-02-15 | 2017-02-14 | Gift Card Impressions, LLC | Gift card presentation devices |
US11219288B2 (en) | 2013-02-15 | 2022-01-11 | E2Interactive, Inc. | Gift card box with slanted tray and slit |
USD854083S1 (en) | 2013-03-27 | 2019-07-16 | Jpmorgan Chase Bank, N.A. | Hybrid transaction device |
US10217107B2 (en) | 2013-05-02 | 2019-02-26 | Gift Card Impressions, LLC | Stored value card kiosk system and method |
US10002399B2 (en) * | 2013-08-01 | 2018-06-19 | Intelmate Llc | Preferential pricing, system and method |
US9990646B2 (en) | 2013-10-24 | 2018-06-05 | Visa International Service Association | Systems and methods to provide a user interface for redemption of loyalty rewards |
US10489754B2 (en) | 2013-11-11 | 2019-11-26 | Visa International Service Association | Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits |
US9058626B1 (en) | 2013-11-13 | 2015-06-16 | Jpmorgan Chase Bank, N.A. | System and method for financial services device usage |
CA2940981C (en) | 2014-03-07 | 2022-05-03 | Jeffrey Brian Newcombe | Dual-function card with key card functionality and stored value card functionality |
US9672516B2 (en) | 2014-03-13 | 2017-06-06 | Visa International Service Association | Communication protocols for processing an authorization request in a distributed computing system |
US20150302412A1 (en) * | 2014-04-17 | 2015-10-22 | Google Inc. | Online bank transfer transactions |
US9652770B1 (en) | 2014-04-30 | 2017-05-16 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
US11461766B1 (en) | 2014-04-30 | 2022-10-04 | Wells Fargo Bank, N.A. | Mobile wallet using tokenized card systems and methods |
US10262346B2 (en) | 2014-04-30 | 2019-04-16 | Gift Card Impressions, Inc. | System and method for a merchant onsite personalization gifting platform |
US11610197B1 (en) | 2014-04-30 | 2023-03-21 | Wells Fargo Bank, N.A. | Mobile wallet rewards redemption systems and methods |
US11748736B1 (en) | 2014-04-30 | 2023-09-05 | Wells Fargo Bank, N.A. | Mobile wallet integration within mobile banking |
US10997592B1 (en) | 2014-04-30 | 2021-05-04 | Wells Fargo Bank, N.A. | Mobile wallet account balance systems and methods |
US11288660B1 (en) | 2014-04-30 | 2022-03-29 | Wells Fargo Bank, N.A. | Mobile wallet account balance systems and methods |
US11574300B1 (en) | 2014-04-30 | 2023-02-07 | Wells Fargo Bank, N.A. | Mobile wallet systems and methods using trace identifier using card networks |
US11615401B1 (en) | 2014-04-30 | 2023-03-28 | Wells Fargo Bank, N.A. | Mobile wallet authentication systems and methods |
US10354268B2 (en) | 2014-05-15 | 2019-07-16 | Visa International Service Association | Systems and methods to organize and consolidate data for improved data storage and processing |
US10445739B1 (en) | 2014-08-14 | 2019-10-15 | Wells Fargo Bank, N.A. | Use limitations for secondary users of financial accounts |
US11853919B1 (en) | 2015-03-04 | 2023-12-26 | Wells Fargo Bank, N.A. | Systems and methods for peer-to-peer funds requests |
US11429975B1 (en) | 2015-03-27 | 2022-08-30 | Wells Fargo Bank, N.A. | Token management system |
US10552859B2 (en) | 2015-05-06 | 2020-02-04 | Obsidian Networks, Inc. | Systems, methods, and apparatuses for tender steering |
WO2016178200A1 (en) * | 2015-05-07 | 2016-11-10 | Pure Commerce Pty Limited | Improvements to currency selection in dual brand cards |
US11170364B1 (en) | 2015-07-31 | 2021-11-09 | Wells Fargo Bank, N.A. | Connected payment card systems and methods |
US10733612B1 (en) * | 2016-01-21 | 2020-08-04 | Wells Fargo Bank, N.A. | Commercial credit card system |
US11615402B1 (en) | 2016-07-01 | 2023-03-28 | Wells Fargo Bank, N.A. | Access control tower |
US11935020B1 (en) | 2016-07-01 | 2024-03-19 | Wells Fargo Bank, N.A. | Control tower for prospective transactions |
US11886611B1 (en) | 2016-07-01 | 2024-01-30 | Wells Fargo Bank, N.A. | Control tower for virtual rewards currency |
US11386223B1 (en) | 2016-07-01 | 2022-07-12 | Wells Fargo Bank, N.A. | Access control tower |
US10992679B1 (en) | 2016-07-01 | 2021-04-27 | Wells Fargo Bank, N.A. | Access control tower |
US11468414B1 (en) | 2016-10-03 | 2022-10-11 | Wells Fargo Bank, N.A. | Systems and methods for establishing a pull payment relationship |
US11556936B1 (en) | 2017-04-25 | 2023-01-17 | Wells Fargo Bank, N.A. | System and method for card control |
US10511692B2 (en) | 2017-06-22 | 2019-12-17 | Bank Of America Corporation | Data transmission to a networked resource based on contextual information |
US10524165B2 (en) | 2017-06-22 | 2019-12-31 | Bank Of America Corporation | Dynamic utilization of alternative resources based on token association |
US10313480B2 (en) | 2017-06-22 | 2019-06-04 | Bank Of America Corporation | Data transmission between networked resources |
US11062388B1 (en) | 2017-07-06 | 2021-07-13 | Wells Fargo Bank, N.A | Data control tower |
CN107705126B (en) * | 2017-09-04 | 2020-12-18 | 中国银联股份有限公司 | Transaction instruction processing method and device |
US11188887B1 (en) | 2017-11-20 | 2021-11-30 | Wells Fargo Bank, N.A. | Systems and methods for payment information access management |
US10954049B2 (en) | 2017-12-12 | 2021-03-23 | E2Interactive, Inc. | Viscous liquid vessel for gifting |
US11295297B1 (en) | 2018-02-26 | 2022-04-05 | Wells Fargo Bank, N.A. | Systems and methods for pushing usable objects and third-party provisioning to a mobile wallet |
US11074577B1 (en) | 2018-05-10 | 2021-07-27 | Wells Fargo Bank, N.A. | Systems and methods for making person-to-person payments via mobile client application |
US11775955B1 (en) | 2018-05-10 | 2023-10-03 | Wells Fargo Bank, N.A. | Systems and methods for making person-to-person payments via mobile client application |
US10546444B2 (en) | 2018-06-21 | 2020-01-28 | Capital One Services, Llc | Systems and methods for secure read-only authentication |
US10592710B1 (en) | 2018-10-02 | 2020-03-17 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10582386B1 (en) | 2018-10-02 | 2020-03-03 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10783519B2 (en) | 2018-10-02 | 2020-09-22 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10607214B1 (en) | 2018-10-02 | 2020-03-31 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10554411B1 (en) | 2018-10-02 | 2020-02-04 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
SG11202102543WA (en) | 2018-10-02 | 2021-04-29 | Capital One Services Llc | Systems and methods for cryptographic authentication of contactless cards |
US11210664B2 (en) | 2018-10-02 | 2021-12-28 | Capital One Services, Llc | Systems and methods for amplifying the strength of cryptographic algorithms |
AU2019354421A1 (en) | 2018-10-02 | 2021-04-29 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10489781B1 (en) | 2018-10-02 | 2019-11-26 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10505738B1 (en) | 2018-10-02 | 2019-12-10 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10581611B1 (en) | 2018-10-02 | 2020-03-03 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
CA3115084A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10565587B1 (en) | 2018-10-02 | 2020-02-18 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10733645B2 (en) | 2018-10-02 | 2020-08-04 | Capital One Services, Llc | Systems and methods for establishing identity for order pick up |
US10511443B1 (en) | 2018-10-02 | 2019-12-17 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072687A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10579998B1 (en) | 2018-10-02 | 2020-03-03 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10949520B2 (en) | 2018-10-02 | 2021-03-16 | Capital One Services, Llc | Systems and methods for cross coupling risk analytics and one-time-passcodes |
KR20210068391A (en) | 2018-10-02 | 2021-06-09 | 캐피탈 원 서비시즈, 엘엘씨 | System and method for cryptographic authentication of contactless card |
CA3115064A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
SG11202102798TA (en) | 2018-10-02 | 2021-04-29 | Capital One Services Llc | Systems and methods for cryptographic authentication of contactless cards |
US10771254B2 (en) | 2018-10-02 | 2020-09-08 | Capital One Services, Llc | Systems and methods for email-based card activation |
US10771253B2 (en) | 2018-10-02 | 2020-09-08 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072537A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072474A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072552A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072550A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072575A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10542036B1 (en) | 2018-10-02 | 2020-01-21 | Capital One Services, Llc | Systems and methods for signaling an attack on contactless cards |
US10909527B2 (en) | 2018-10-02 | 2021-02-02 | Capital One Services, Llc | Systems and methods for performing a reissue of a contactless card |
US20200226581A1 (en) | 2019-01-11 | 2020-07-16 | Capital One Services, Llc | Systems and methods for touch screen interface interaction using a card overlay |
US11037136B2 (en) | 2019-01-24 | 2021-06-15 | Capital One Services, Llc | Tap to autofill card data |
US11120453B2 (en) | 2019-02-01 | 2021-09-14 | Capital One Services, Llc | Tap card to securely generate card data to copy to clipboard |
US10467622B1 (en) | 2019-02-01 | 2019-11-05 | Capital One Services, Llc | Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms |
US10510074B1 (en) | 2019-02-01 | 2019-12-17 | Capital One Services, Llc | One-tap payment using a contactless card |
US10425129B1 (en) | 2019-02-27 | 2019-09-24 | Capital One Services, Llc | Techniques to reduce power consumption in near field communication systems |
US10523708B1 (en) | 2019-03-18 | 2019-12-31 | Capital One Services, Llc | System and method for second factor authentication of customer support calls |
US10643420B1 (en) | 2019-03-20 | 2020-05-05 | Capital One Services, Llc | Contextual tapping engine |
US10984416B2 (en) | 2019-03-20 | 2021-04-20 | Capital One Services, Llc | NFC mobile currency transfer |
US10535062B1 (en) | 2019-03-20 | 2020-01-14 | Capital One Services, Llc | Using a contactless card to securely share personal data stored in a blockchain |
US10438437B1 (en) | 2019-03-20 | 2019-10-08 | Capital One Services, Llc | Tap to copy data to clipboard via NFC |
US10970712B2 (en) | 2019-03-21 | 2021-04-06 | Capital One Services, Llc | Delegated administration of permissions using a contactless card |
US10467445B1 (en) | 2019-03-28 | 2019-11-05 | Capital One Services, Llc | Devices and methods for contactless card alignment with a foldable mobile device |
US11521262B2 (en) | 2019-05-28 | 2022-12-06 | Capital One Services, Llc | NFC enhanced augmented reality information overlays |
US11551190B1 (en) | 2019-06-03 | 2023-01-10 | Wells Fargo Bank, N.A. | Instant network cash transfer at point of sale |
US10516447B1 (en) | 2019-06-17 | 2019-12-24 | Capital One Services, Llc | Dynamic power levels in NFC card communications |
US10871958B1 (en) | 2019-07-03 | 2020-12-22 | Capital One Services, Llc | Techniques to perform applet programming |
US11392933B2 (en) | 2019-07-03 | 2022-07-19 | Capital One Services, Llc | Systems and methods for providing online and hybridcard interactions |
US11694187B2 (en) | 2019-07-03 | 2023-07-04 | Capital One Services, Llc | Constraining transactional capabilities for contactless cards |
US10713649B1 (en) | 2019-07-09 | 2020-07-14 | Capital One Services, Llc | System and method enabling mobile near-field communication to update display on a payment card |
US10498401B1 (en) | 2019-07-15 | 2019-12-03 | Capital One Services, Llc | System and method for guiding card positioning using phone sensors |
US10885514B1 (en) | 2019-07-15 | 2021-01-05 | Capital One Services, Llc | System and method for using image data to trigger contactless card transactions |
US11182771B2 (en) | 2019-07-17 | 2021-11-23 | Capital One Services, Llc | System for value loading onto in-vehicle device |
US10832271B1 (en) | 2019-07-17 | 2020-11-10 | Capital One Services, Llc | Verified reviews using a contactless card |
US10733601B1 (en) | 2019-07-17 | 2020-08-04 | Capital One Services, Llc | Body area network facilitated authentication or payment authorization |
US11521213B2 (en) | 2019-07-18 | 2022-12-06 | Capital One Services, Llc | Continuous authentication for digital services based on contactless card positioning |
US10506426B1 (en) | 2019-07-19 | 2019-12-10 | Capital One Services, Llc | Techniques for call authentication |
US10541995B1 (en) | 2019-07-23 | 2020-01-21 | Capital One Services, Llc | First factor contactless card authentication system and method |
JP2023503795A (en) | 2019-10-02 | 2023-02-01 | キャピタル・ワン・サービシーズ・リミテッド・ライアビリティ・カンパニー | Client Device Authentication Using Contactless Legacy Magnetic Stripe Data |
US11651361B2 (en) | 2019-12-23 | 2023-05-16 | Capital One Services, Llc | Secure authentication based on passport data stored in a contactless card |
US10885410B1 (en) | 2019-12-23 | 2021-01-05 | Capital One Services, Llc | Generating barcodes utilizing cryptographic techniques |
US10733283B1 (en) | 2019-12-23 | 2020-08-04 | Capital One Services, Llc | Secure password generation and management using NFC and contactless smart cards |
US10657754B1 (en) | 2019-12-23 | 2020-05-19 | Capital One Services, Llc | Contactless card and personal identification system |
US11615395B2 (en) | 2019-12-23 | 2023-03-28 | Capital One Services, Llc | Authentication for third party digital wallet provisioning |
US11113685B2 (en) | 2019-12-23 | 2021-09-07 | Capital One Services, Llc | Card issuing with restricted virtual numbers |
US10862540B1 (en) | 2019-12-23 | 2020-12-08 | Capital One Services, Llc | Method for mapping NFC field strength and location on mobile devices |
US10664941B1 (en) | 2019-12-24 | 2020-05-26 | Capital One Services, Llc | Steganographic image encoding of biometric template information on a card |
US11200563B2 (en) | 2019-12-24 | 2021-12-14 | Capital One Services, Llc | Account registration using a contactless card |
US10853795B1 (en) | 2019-12-24 | 2020-12-01 | Capital One Services, Llc | Secure authentication based on identity data stored in a contactless card |
US10757574B1 (en) | 2019-12-26 | 2020-08-25 | Capital One Services, Llc | Multi-factor authentication providing a credential via a contactless card for secure messaging |
US10909544B1 (en) | 2019-12-26 | 2021-02-02 | Capital One Services, Llc | Accessing and utilizing multiple loyalty point accounts |
US11038688B1 (en) | 2019-12-30 | 2021-06-15 | Capital One Services, Llc | Techniques to control applets for contactless cards |
US10860914B1 (en) | 2019-12-31 | 2020-12-08 | Capital One Services, Llc | Contactless card and method of assembly |
US11455620B2 (en) | 2019-12-31 | 2022-09-27 | Capital One Services, Llc | Tapping a contactless card to a computing device to provision a virtual number |
US11210656B2 (en) | 2020-04-13 | 2021-12-28 | Capital One Services, Llc | Determining specific terms for contactless card activation |
US10915888B1 (en) | 2020-04-30 | 2021-02-09 | Capital One Services, Llc | Contactless card with multiple rotating security keys |
US11030339B1 (en) | 2020-04-30 | 2021-06-08 | Capital One Services, Llc | Systems and methods for data access control of personal user data using a short-range transceiver |
US11222342B2 (en) | 2020-04-30 | 2022-01-11 | Capital One Services, Llc | Accurate images in graphical user interfaces to enable data transfer |
US10861006B1 (en) | 2020-04-30 | 2020-12-08 | Capital One Services, Llc | Systems and methods for data access control using a short-range transceiver |
US11823175B2 (en) | 2020-04-30 | 2023-11-21 | Capital One Services, Llc | Intelligent card unlock |
US10963865B1 (en) | 2020-05-12 | 2021-03-30 | Capital One Services, Llc | Augmented reality card activation experience |
US11100511B1 (en) | 2020-05-18 | 2021-08-24 | Capital One Services, Llc | Application-based point of sale system in mobile operating systems |
US11063979B1 (en) | 2020-05-18 | 2021-07-13 | Capital One Services, Llc | Enabling communications between applications in a mobile operating system |
US11062098B1 (en) | 2020-08-11 | 2021-07-13 | Capital One Services, Llc | Augmented reality information display and interaction via NFC based authentication |
US10992606B1 (en) | 2020-09-04 | 2021-04-27 | Wells Fargo Bank, N.A. | Synchronous interfacing with unaffiliated networked systems to alter functionality of sets of electronic assets |
US11482312B2 (en) | 2020-10-30 | 2022-10-25 | Capital One Services, Llc | Secure verification of medical status using a contactless card |
US11165586B1 (en) | 2020-10-30 | 2021-11-02 | Capital One Services, Llc | Call center web-based authentication using a contactless card |
US11373169B2 (en) | 2020-11-03 | 2022-06-28 | Capital One Services, Llc | Web-based activation of contactless cards |
US11216799B1 (en) | 2021-01-04 | 2022-01-04 | Capital One Services, Llc | Secure generation of one-time passcodes using a contactless card |
US11546338B1 (en) | 2021-01-05 | 2023-01-03 | Wells Fargo Bank, N.A. | Digital account controls portal and protocols for federated and non-federated systems and devices |
US11682012B2 (en) | 2021-01-27 | 2023-06-20 | Capital One Services, Llc | Contactless delivery systems and methods |
US11687930B2 (en) | 2021-01-28 | 2023-06-27 | Capital One Services, Llc | Systems and methods for authentication of access tokens |
US11562358B2 (en) | 2021-01-28 | 2023-01-24 | Capital One Services, Llc | Systems and methods for near field contactless card communication and cryptographic authentication |
US11792001B2 (en) | 2021-01-28 | 2023-10-17 | Capital One Services, Llc | Systems and methods for secure reprovisioning |
US11438329B2 (en) | 2021-01-29 | 2022-09-06 | Capital One Services, Llc | Systems and methods for authenticated peer-to-peer data transfer using resource locators |
US11777933B2 (en) | 2021-02-03 | 2023-10-03 | Capital One Services, Llc | URL-based authentication for payment cards |
US11637826B2 (en) | 2021-02-24 | 2023-04-25 | Capital One Services, Llc | Establishing authentication persistence |
US11245438B1 (en) | 2021-03-26 | 2022-02-08 | Capital One Services, Llc | Network-enabled smart apparatus and systems and methods for activating and provisioning same |
US11935035B2 (en) | 2021-04-20 | 2024-03-19 | Capital One Services, Llc | Techniques to utilize resource locators by a contactless card to perform a sequence of operations |
US11902442B2 (en) | 2021-04-22 | 2024-02-13 | Capital One Services, Llc | Secure management of accounts on display devices using a contactless card |
US11354555B1 (en) | 2021-05-04 | 2022-06-07 | Capital One Services, Llc | Methods, mediums, and systems for applying a display to a transaction card |
US11823261B2 (en) * | 2021-12-10 | 2023-11-21 | Bank Of America Corporation | Process orchestration and dynamic data acquisition system |
Citations (95)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US3634669A (en) * | 1969-07-16 | 1972-01-11 | Aero Flow Dynamics Inc | Analog computation of insurance and investment quantities |
US3946206A (en) * | 1974-08-21 | 1976-03-23 | R. D. Products, Inc. | Magnetic-type information card and method and apparatus for encoding and reading |
US4582985A (en) * | 1981-03-18 | 1986-04-15 | Loefberg Bo | Data carrier |
US4634845A (en) * | 1984-12-24 | 1987-01-06 | Ncr Corporation | Portable personal terminal for use in a system for handling transactions |
US4746787A (en) * | 1984-07-20 | 1988-05-24 | Oki Electric Industry Co., Ltd. | IC card with display and card recording and reading device |
US4822985A (en) * | 1987-01-06 | 1989-04-18 | Visa International Service Association | Transaction approval system |
US4831242A (en) * | 1985-09-12 | 1989-05-16 | Bally Manufacturing Corporation | Control system for health club facilities and equipment |
US4831526A (en) * | 1986-04-22 | 1989-05-16 | The Chubb Corporation | Computerized insurance premium quote request and policy issuance system |
US4897533A (en) * | 1987-07-07 | 1990-01-30 | National Business Systems, Inc. | Credit card and method of making the same |
US4906826A (en) * | 1988-09-19 | 1990-03-06 | Visa International Service Association | Usage promotion method for payment card transaction system |
US4908521A (en) * | 1987-01-06 | 1990-03-13 | Visa International Service Association | Transaction approval system |
US4923288A (en) * | 1987-05-21 | 1990-05-08 | The British Petroleum Company P.L.C. | Optical modulators based on polymers |
US4992940A (en) * | 1989-03-13 | 1991-02-12 | H-Renee, Incorporated | System and method for automated selection of equipment for purchase through input of user desired specifications |
US5080748A (en) * | 1989-03-14 | 1992-01-14 | Bostec Systems, Inc. | Card assembly apparatus |
US5095194A (en) * | 1989-10-12 | 1992-03-10 | Joseph Barbanell | Holographic credit card with automatical authentication and verification |
US5117355A (en) * | 1989-01-27 | 1992-05-26 | Mccarthy Patrick D | Centralized consumer cash valve accumulation system for multiple merchants |
US5180901A (en) * | 1990-05-21 | 1993-01-19 | Kabushiki Kaisha Toshiba | IC card with individual authentication function |
US5192947A (en) * | 1990-02-02 | 1993-03-09 | Simon Neustein | Credit card pager apparatus |
US5202826A (en) * | 1989-01-27 | 1993-04-13 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
US5206803A (en) * | 1991-03-15 | 1993-04-27 | Vitagliano Francis M | System for enhanced management of pension-backed credit |
US5276311A (en) * | 1989-03-01 | 1994-01-04 | Hartmut Hennige | Method and device for simplifying the use of a plurality of credit cards, or the like |
US5287269A (en) * | 1990-07-09 | 1994-02-15 | Boardwalk/Starcity Corporation | Apparatus and method for accessing events, areas and activities |
US5297026A (en) * | 1992-01-03 | 1994-03-22 | Frank Hoffman | System for promoting account activity |
US5311594A (en) * | 1993-03-26 | 1994-05-10 | At&T Bell Laboratories | Fraud protection for card transactions |
US5383113A (en) * | 1991-07-25 | 1995-01-17 | Checkfree Corporation | System and method for electronically providing customer services including payment of bills, financial analysis and loans |
US5397881A (en) * | 1993-11-22 | 1995-03-14 | Mannik; Kallis H. | Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner |
US5399502A (en) * | 1989-04-20 | 1995-03-21 | Cambridge Display Technology Limited | Method of manufacturing of electrolumineschent devices |
US5401827A (en) * | 1990-08-24 | 1995-03-28 | Cambridge Display Technology Limited | Semiconductive copolymers for use in luminescent devices |
USRE34915E (en) * | 1984-11-26 | 1995-04-25 | Coupco, Inc. | Paperless system for distributing, redeeming and clearing merchandise coupons |
US5483444A (en) * | 1993-10-26 | 1996-01-09 | Radisson Hotels International, Inc. | System for awarding credits to persons who book travel-related reservations |
US5483445A (en) * | 1992-10-22 | 1996-01-09 | American Express Trs | Automated billing consolidation system and method |
US5482139A (en) * | 1995-02-16 | 1996-01-09 | M.A. Rivalto Inc. | Automated drive-up vending facility |
US5500514A (en) * | 1991-03-05 | 1996-03-19 | The Gift Certificate Center | Method and apparatus for generating gift certificates |
US5511114A (en) * | 1994-06-06 | 1996-04-23 | Call Processing, Inc. | Telephone pre-paid calling card system and method |
US5513102A (en) * | 1994-06-28 | 1996-04-30 | Auriemma Consulting Group, Inc. | Data processing methods of implementing an award to an authorized user of a credit card |
US5521363A (en) * | 1994-02-16 | 1996-05-28 | Tannenbaum; David H. | System and method for tracking memory card transactions |
US5592560A (en) * | 1989-05-01 | 1997-01-07 | Credit Verification Corporation | Method and system for building a database and performing marketing based upon prior shopping history |
US5604542A (en) * | 1995-02-08 | 1997-02-18 | Intel Corporation | Using the vertical blanking interval for transporting electronic coupons |
US5608785A (en) * | 1993-09-23 | 1997-03-04 | Lucent Technologies Inc. | Method and apparatus for telephone prize opportunities |
US5612868A (en) * | 1984-07-18 | 1997-03-18 | Catalina Marketing International, Inc | Method and apparatus for dispensing discount coupons |
US5621787A (en) * | 1995-09-13 | 1997-04-15 | Bell Atlantic Network Services, Inc. | Prepaid cash card |
US5621812A (en) * | 1989-05-01 | 1997-04-15 | Credit Verification Corporation | Method and system for building a database for use with selective incentive marketing in response to customer shopping histories |
US5708422A (en) * | 1995-05-31 | 1998-01-13 | At&T | Transaction authorization and alert system |
US5710458A (en) * | 1993-12-20 | 1998-01-20 | Kabushiki Kaisha Toshiba | Card like semiconductor device |
US5710887A (en) * | 1995-08-29 | 1998-01-20 | Broadvision | Computer system and method for electronic commerce |
US5710886A (en) * | 1995-06-16 | 1998-01-20 | Sellectsoft, L.C. | Electric couponing method and apparatus |
US5710889A (en) * | 1995-02-22 | 1998-01-20 | Citibank, N.A. | Interface device for electronically integrating global financial services |
US5715399A (en) * | 1995-03-30 | 1998-02-03 | Amazon.Com, Inc. | Secure method and system for communicating a list of credit card numbers over a non-secure network |
US5721768A (en) * | 1994-06-06 | 1998-02-24 | Call Processing, Inc. | Pre-paid card system and method |
US5721781A (en) * | 1995-09-13 | 1998-02-24 | Microsoft Corporation | Authentication system and method for smart card transactions |
US5728998A (en) * | 1996-03-29 | 1998-03-17 | Motorola, Inc. | Secure smart card reader with virtual image display and pull-down options |
US5729693A (en) * | 1993-12-28 | 1998-03-17 | Lucent Technologies, Inc. | System and method to automatically provide an electronic consumer rebate |
US5734154A (en) * | 1996-09-03 | 1998-03-31 | Motorola, Inc. | Smart card with Iintegrated reader and visual image display |
US5734838A (en) * | 1995-05-04 | 1998-03-31 | American Savings Bank, F.A. | Database computer architecture for managing an incentive award program and checking float of funds at time of purchase |
US5736728A (en) * | 1995-08-25 | 1998-04-07 | Mitsubishi Electric Semiconductor Software Co., Ltd. | Non contact IC card and a non contact IC card system |
US5737421A (en) * | 1996-03-22 | 1998-04-07 | Activcard | System for controlling access to a function having clock synchronization |
US5742775A (en) * | 1995-01-18 | 1998-04-21 | King; Douglas L. | Method and apparatus of creating financial instrument and administering an adjustable rate loan system |
US5745706A (en) * | 1994-12-30 | 1998-04-28 | Wolfberg; Larry | Computer system and related equipment for spending and investment account management |
US5749075A (en) * | 1995-06-06 | 1998-05-05 | Interactive Media Works, L.L.C. | Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards |
US5857079A (en) * | 1994-12-23 | 1999-01-05 | Lucent Technologies Inc. | Smart card for automatic financial records |
US5859419A (en) * | 1995-09-28 | 1999-01-12 | Sol H. Wynn | Programmable multiple company credit card system |
US5864830A (en) * | 1997-02-13 | 1999-01-26 | Armetta; David | Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
US5864828A (en) * | 1987-04-15 | 1999-01-26 | Proprietary Financial Products, Inc. | Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation |
US5870721A (en) * | 1993-08-27 | 1999-02-09 | Affinity Technology Group, Inc. | System and method for real time loan approval |
US5870718A (en) * | 1996-02-26 | 1999-02-09 | Spector; Donald | Computer-printer terminal for producing composite greeting and gift certificate card |
US5875437A (en) * | 1987-04-15 | 1999-02-23 | Proprietary Financial Products, Inc. | System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing |
US5884278A (en) * | 1997-02-11 | 1999-03-16 | Powell; Ken R. | Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register |
US5887065A (en) * | 1996-03-22 | 1999-03-23 | Activcard | System and method for user authentication having clock synchronization |
US6014645A (en) * | 1996-04-19 | 2000-01-11 | Block Financial Corporation | Real-time financial card application system |
US6014638A (en) * | 1996-05-29 | 2000-01-11 | America Online, Inc. | System for customizing computer displays in accordance with user preferences |
US6014636A (en) * | 1997-05-06 | 2000-01-11 | Lucent Technologies Inc. | Point of sale method and system |
US6016482A (en) * | 1996-01-11 | 2000-01-18 | Merrill Lynch & Co., Inc. | Enhanced collateralized funding processor |
US6016954A (en) * | 1996-02-28 | 2000-01-25 | Hitachi, Ltd. | Card holder-type balance reader |
US6019284A (en) * | 1998-01-27 | 2000-02-01 | Viztec Inc. | Flexible chip card with display |
US6026370A (en) * | 1997-08-28 | 2000-02-15 | Catalina Marketing International, Inc. | Method and apparatus for generating purchase incentive mailing based on prior purchase history |
US6029139A (en) * | 1998-01-28 | 2000-02-22 | Ncr Corporation | Method and apparatus for optimizing promotional sale of products based upon historical data |
US6032136A (en) * | 1998-11-17 | 2000-02-29 | First Usa Bank, N.A. | Customer activated multi-value (CAM) card |
US6029890A (en) * | 1998-06-22 | 2000-02-29 | Austin; Frank | User-Specified credit card system |
US6038552A (en) * | 1997-12-10 | 2000-03-14 | The Chase Manhattan Bank | Method and apparatus to process combined credit and debit card transactions |
US6036099A (en) * | 1995-10-17 | 2000-03-14 | Leighton; Keith | Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom |
US6041315A (en) * | 1992-10-15 | 2000-03-21 | Autoscribe Corporation | Automated payment system and method |
US6045042A (en) * | 1989-10-24 | 2000-04-04 | Mitsubishi Denki Kabushiki Kaisha | Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption |
US6049463A (en) * | 1997-07-25 | 2000-04-11 | Motorola, Inc. | Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same |
US6065675A (en) * | 1997-06-30 | 2000-05-23 | Cardis Enterprise International N.V. | Processing system and method for a heterogeneous electronic cash environment |
US6070153A (en) * | 1997-11-21 | 2000-05-30 | Simpson; Mark S. | System and method for automatically investing a portion of a credit card interest charged amount in an investment account |
US6070147A (en) * | 1996-07-02 | 2000-05-30 | Tecmark Services, Inc. | Customer identification and marketing analysis systems |
US6189787B1 (en) * | 1997-07-10 | 2001-02-20 | Robert E. Dorf | Multifunctional card system |
US6195644B1 (en) * | 1987-07-08 | 2001-02-27 | Stuart S. Bowie | Computer program and system for credit card companies for recording and processing bonus credits issued to card users |
US6202053B1 (en) * | 1998-01-23 | 2001-03-13 | First Usa Bank, Na | Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants |
US6227447B1 (en) * | 1999-05-10 | 2001-05-08 | First Usa Bank, Na | Cardless payment system |
US6345261B1 (en) * | 1999-09-21 | 2002-02-05 | Stockback Holdings, Inc. | Customer loyalty investment program |
US6373969B1 (en) * | 1999-03-15 | 2002-04-16 | Activcard Ireland, Limited | Corrective optical component |
US6386444B1 (en) * | 1999-07-30 | 2002-05-14 | First Usa Bank, N.A. | System and methods for card payment instrument with rebate applied to an insurance premium |
US20040030626A1 (en) * | 1996-06-10 | 2004-02-12 | Libman Richard M. | System, method, and computer program product for selecting and presenting financial products and services |
US20040039588A1 (en) * | 1996-06-10 | 2004-02-26 | Libman Richard M. | System, method, and computer program product for selecting and presenting financial products and services |
Family Cites Families (552)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US425474A (en) * | 1890-04-15 | Toe-weight | ||
US3713235A (en) * | 1970-11-09 | 1973-01-30 | H Roberts | Combination credit card |
US4130881A (en) | 1971-07-21 | 1978-12-19 | Searle Medidata, Inc. | System and technique for automated medical history taking |
SE399602B (en) | 1974-10-25 | 1978-02-20 | Id Kort Ab | IDENTITY, COMPETENCE OR CONTROL ACTION |
US4058220A (en) | 1976-05-12 | 1977-11-15 | Borden, Inc. | Display device with overlapping cards |
USD248203S (en) | 1976-09-24 | 1978-06-20 | Henry Clifton Morse | Beverage coaster |
US4254474A (en) | 1979-08-02 | 1981-03-03 | Nestor Associates | Information processing system using threshold passive modification |
JPS56101264A (en) | 1980-01-16 | 1981-08-13 | Omron Tateisi Electronics Co | Electronic cash register for restaurant |
FR2474270A1 (en) | 1980-01-21 | 1981-07-24 | Radiotechnique Compelec | METHOD AND DEVICE FOR SIMULTANEOUSLY ASSEMBLING COMPONENTS ON A SUPPORT |
US4545838A (en) | 1983-02-07 | 1985-10-08 | Sealtran Corp. | Lamination product and method employing temporary transfer film |
US4754418A (en) | 1984-03-27 | 1988-06-28 | Casio Computer Co., Ltd. | Combined electronic calculator and credit card |
US4567359A (en) | 1984-05-24 | 1986-01-28 | Lockwood Lawrence B | Automatic information, goods and services dispensing system |
US4910672A (en) | 1984-07-18 | 1990-03-20 | Catalina Marketing Corporation | Method and apparatus for dispensing discount coupons |
US4723212A (en) | 1984-07-18 | 1988-02-02 | Catalina Marketing Corp. | Method and apparatus for dispensing discount coupons |
US4614861A (en) | 1984-11-15 | 1986-09-30 | Intellicard International, Inc. | Unitary, self-contained card verification and validation system and method |
US4689478A (en) | 1984-12-24 | 1987-08-25 | Ncr Corporation | System for handling transactions including a portable personal terminal |
US4760604A (en) | 1985-02-15 | 1988-07-26 | Nestor, Inc. | Parallel, multi-unit, adaptive, nonlinear pattern class separator and identifier |
US4766539A (en) | 1985-03-08 | 1988-08-23 | Fox Henry L | Method of determining the premium for and writing a policy insuring against specified weather conditions |
US5218631A (en) | 1985-07-10 | 1993-06-08 | First Data Resources Inc. | Telephonic-interface game control system |
US5365575A (en) | 1985-07-10 | 1994-11-15 | First Data Resources Inc. | Telephonic-interface lottery system |
US5835576A (en) | 1985-07-10 | 1998-11-10 | Ronald A. Katz Technology Licensing, L.P. | Telephonic-interface lottery device |
US5349633A (en) | 1985-07-10 | 1994-09-20 | First Data Resources Inc. | Telephonic-interface game control system |
US4643452A (en) * | 1985-08-15 | 1987-02-17 | Chang Kwei K | Business card attaching strip |
US4700055A (en) | 1985-10-15 | 1987-10-13 | Kashkashian Jr Arsen | Multiple credit card system |
US4752676A (en) | 1985-12-12 | 1988-06-21 | Common Bond Associates | Reliable secure, updatable "cash" card system |
JPH0743748B2 (en) | 1986-02-17 | 1995-05-15 | 株式会社オークネット | Information transmission processing method of auction information transmission processing system |
US5508731A (en) | 1986-03-10 | 1996-04-16 | Response Reward Systems L.C. | Generation of enlarged participatory broadcast audience |
US5128752A (en) | 1986-03-10 | 1992-07-07 | Kohorn H Von | System and method for generating and redeeming tokens |
US4750036A (en) | 1986-05-14 | 1988-06-07 | Radio Telcom & Technology, Inc. | Interactive television and data transmission system |
US4766293A (en) | 1986-06-26 | 1988-08-23 | Visa International Service Association | Portable financial transaction card capable of authorizing a transaction in foreign currencies |
US4725719A (en) * | 1986-07-21 | 1988-02-16 | First City National Bank Of Austin | Restricted purpose, commercial, monetary regulation method |
US4750119A (en) * | 1986-10-10 | 1988-06-07 | Tradevest, Inc. | Purchasing system with rebate feature |
US4870259A (en) | 1987-01-06 | 1989-09-26 | Visa International Service Association | Transaction approval system |
US4943707A (en) | 1987-01-06 | 1990-07-24 | Visa International Service Association | Transaction approval system |
JPS63231692A (en) | 1987-03-20 | 1988-09-27 | Mitsubishi Electric Corp | Secret code writer |
US5852811A (en) | 1987-04-15 | 1998-12-22 | Proprietary Financial Products, Inc. | Method for managing financial accounts by a preferred allocation of funds among accounts |
KR970000278B1 (en) | 1987-05-09 | 1997-01-08 | 가부시끼가이샤 한도다이 에네르기 겐뀨쇼 | Card type memory apparatus |
US4868376A (en) | 1987-05-15 | 1989-09-19 | Smartcard International Inc. | Intelligent portable interactive personal data system |
US4968873A (en) | 1987-09-08 | 1990-11-06 | Juergen Dethloff | Smart card issuing and receiving apparatus |
US4837422A (en) | 1987-09-08 | 1989-06-06 | Juergen Dethloff | Multi-user card system |
US5025372A (en) * | 1987-09-17 | 1991-06-18 | Meridian Enterprises, Inc. | System and method for administration of incentive award program through use of credit |
USD305887S (en) * | 1987-09-25 | 1990-02-06 | Canon Kabushiki Kaisha | Optically stored data card |
US4897811A (en) | 1988-01-19 | 1990-01-30 | Nestor, Inc. | N-dimensional coulomb neural network which provides for cumulative learning of internal representations |
US4958375A (en) | 1988-02-17 | 1990-09-18 | Nestor, Inc. | Parallel, multi-unit, adaptive pattern classification system using inter-unit correlations and an intra-unit class separator methodology |
US4975840A (en) | 1988-06-17 | 1990-12-04 | Lincoln National Risk Management, Inc. | Method and apparatus for evaluating a potentially insurable risk |
US4961142A (en) | 1988-06-29 | 1990-10-02 | Mastercard International, Inc. | Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer |
JP2693514B2 (en) | 1988-08-31 | 1997-12-24 | 株式会社東芝 | Information recording medium |
FR2637710A1 (en) * | 1988-10-07 | 1990-04-13 | B Et Dev | Method and device for high-security multifunction electronic control comprising a microchip card |
US5047614A (en) | 1989-01-23 | 1991-09-10 | Bianco James S | Method and apparatus for computer-aided shopping |
US4941090A (en) | 1989-01-27 | 1990-07-10 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
US5202286A (en) * | 1989-02-27 | 1993-04-13 | Mitsubishi Denki Kabushiki Kaisha | Method of forming three-dimensional features on substrates with adjacent insulating films |
US4978401A (en) | 1989-03-14 | 1990-12-18 | Bostec Systems, Inc. | Card assembly method |
US5086045A (en) * | 1989-03-15 | 1992-02-04 | Bristol-Myers Squibb Company | Antitumor antibiotic |
US5305196A (en) * | 1989-05-01 | 1994-04-19 | Credit Verification Corporation | Check transaction processing, database building and marketing method and system utilizing automatic check reading |
US5644723A (en) | 1989-05-01 | 1997-07-01 | Credit Verification Corporation | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories |
US5649114A (en) | 1989-05-01 | 1997-07-15 | Credit Verification Corporation | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories |
US5790636A (en) | 1989-05-31 | 1998-08-04 | Marshall; Marvin E. | Telephone travel card system under the control of its customers |
US5253066C1 (en) | 1989-06-01 | 2001-05-22 | United Video Properties Inc | Tv recording and viewing control system |
US5206488A (en) * | 1989-06-07 | 1993-04-27 | Mordechai Teicher | Credit card system including a central unit and a plurality of local units for conducting low-cost transactions |
US5056019A (en) | 1989-08-29 | 1991-10-08 | Citicorp Pos Information Servies, Inc. | Automated purchase reward accounting system and method |
US6044205A (en) | 1996-02-29 | 2000-03-28 | Intermind Corporation | Communications system for transferring information between memories according to processes transferred with the information |
US6003762A (en) | 1989-09-06 | 1999-12-21 | Fujitsu Limited | Transaction terminal for an electronic cashless system |
ZA907106B (en) | 1989-10-06 | 1991-09-25 | Net 1 Products Pty Ltd | Funds transfer system |
US5339239A (en) | 1989-10-13 | 1994-08-16 | Mitsubishi Plastics Industries Limited | Information collecting and/or service furnishing systems by which a user can request information from a central data base using a portable personal terminal and an access terminal |
FR2654286B1 (en) | 1989-11-03 | 1995-06-16 | Europ Rech Electr Lab | METHOD FOR INSTANT VALIDATION OF ACTIONS IN THE FRAMEWORK OF TELEVISION PROGRAMS AND DEVICE FOR IMPLEMENTING IT. |
US5185697A (en) * | 1989-11-14 | 1993-02-09 | Electronic Warfare Associates, Inc. | Apparatus and method for managing crisis situations |
JP2724008B2 (en) | 1989-12-01 | 1998-03-09 | 沖電気工業株式会社 | Personal identification processing system and personal identification processing method |
US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
US5870724A (en) * | 1989-12-08 | 1999-02-09 | Online Resources & Communications Corporation | Targeting advertising in a home retail banking delivery service |
JPH03189786A (en) | 1989-12-19 | 1991-08-19 | Sony Corp | Information card device |
US5233514A (en) | 1990-01-09 | 1993-08-03 | Luay Ayyoubi | System and method for redeeming and accumulating stock purchase credits in a company by the participating consumers |
US5191522A (en) * | 1990-01-18 | 1993-03-02 | Itt Corporation | Integrated group insurance information processing and reporting system based upon an enterprise-wide data structure |
US5049728A (en) | 1990-04-04 | 1991-09-17 | Rovin George H | IC card system with removable IC modules |
US5623547A (en) | 1990-04-12 | 1997-04-22 | Jonhig Limited | Value transfer system |
FR2662007B1 (en) * | 1990-05-10 | 1992-07-10 | Bull Sa | PROCESS FOR OBTAINING A SECURE CLEAR ATTESTATION IN A DISTRIBUTED COMPUTER SYSTEM ENVIRONMENT. |
US5260778A (en) | 1990-06-26 | 1993-11-09 | General Instrument Corporation | Apparatus for selective distribution of messages over a communications network |
US5291399A (en) * | 1990-07-27 | 1994-03-01 | Executone Information Systems, Inc. | Method and apparatus for accessing a portable personal database as for a hospital environment |
US5177342A (en) * | 1990-11-09 | 1993-01-05 | Visa International Service Association | Transaction approval system |
DE4041711A1 (en) * | 1990-12-24 | 1992-07-02 | Bosch Gmbh Robert | PHASE CONTROL CONTROL |
US5351186A (en) | 1991-01-16 | 1994-09-27 | Bullock Communications, Inc. | System and method for obtaining information concerning a product or a service |
US5832457A (en) * | 1991-05-06 | 1998-11-03 | Catalina Marketing International, Inc. | Method and apparatus for selective distribution of discount coupons based on prior customer behavior |
US5634101A (en) | 1991-05-31 | 1997-05-27 | R. Alan Blau & Associates, Co. | Method and apparatus for obtaining consumer information |
JP2957308B2 (en) | 1991-06-04 | 1999-10-04 | 日本精工株式会社 | Automatic drawing ordering device and automatic drawing ordering method |
US5278751A (en) | 1991-08-30 | 1994-01-11 | International Business Machines Corporation | Dynamic manufacturing process control |
US5504519A (en) | 1991-10-03 | 1996-04-02 | Viscorp | Method and apparatus for printing coupons and the like |
US5250789A (en) | 1991-10-31 | 1993-10-05 | Johnsen Edward L | Shopping cart |
CA2076433C (en) * | 1991-10-31 | 1998-08-18 | Brenda B. Amarant | Monitoring of charges debited to an account having an assigned limit |
US5396417A (en) | 1991-11-01 | 1995-03-07 | Capitol Cities/Abc, Inc. | Product distribution equipment and method |
US5453601A (en) | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US5585787A (en) | 1991-12-09 | 1996-12-17 | Wallerstein; Robert S. | Programmable credit card |
US5955961A (en) | 1991-12-09 | 1999-09-21 | Wallerstein; Robert S. | Programmable transaction card |
US6009415A (en) | 1991-12-16 | 1999-12-28 | The Harrison Company, Llc | Data processing technique for scoring bank customer relationships and awarding incentive rewards |
DE4203748A1 (en) * | 1992-02-04 | 1993-08-05 | Provera Ges Fuer Projektierung | Multi-function smart card e.g credit card,cashpoint card - has account details updated after each transaction with data held in on chip memory |
US5726884A (en) * | 1992-03-02 | 1998-03-10 | Alternative Systems, Inc. | Integrated hazardous substance tracking and compliance |
US5359183A (en) | 1992-04-06 | 1994-10-25 | Rafael Skodlar | Payment card with display |
US5262860A (en) | 1992-04-23 | 1993-11-16 | International Business Machines Corporation | Method and system communication establishment utilizing captured and processed visually perceptible data within a broadcast video signal |
US5249044A (en) | 1992-05-05 | 1993-09-28 | Kohorn H Von | Product information storage, display, and coupon dispensing system |
US5285278A (en) | 1992-05-21 | 1994-02-08 | Holman Michael J | Electronic redeemable coupon system via television |
US5287181A (en) | 1992-08-20 | 1994-02-15 | Holman Michael J | Electronic redeemable coupon system and television |
US5970479A (en) | 1992-05-29 | 1999-10-19 | Swychco Infrastructure Services Pty. Ltd. | Methods and apparatus relating to the formulation and trading of risk management contracts |
US6134536A (en) | 1992-05-29 | 2000-10-17 | Swychco Infrastructure Services Pty Ltd. | Methods and apparatus relating to the formulation and trading of risk management contracts |
GB9215929D0 (en) | 1992-07-27 | 1992-09-09 | Cambridge Display Tech Ltd | Electroluminescent devices |
US5326959A (en) | 1992-08-04 | 1994-07-05 | Perazza Justin J | Automated customer initiated entry remittance processing system |
US5819226A (en) | 1992-09-08 | 1998-10-06 | Hnc Software Inc. | Fraud detection using predictive modeling |
US6076068A (en) | 1992-09-17 | 2000-06-13 | Ad Response Micromarketing Corporation | Coupon delivery system |
US5479494A (en) | 1992-10-05 | 1995-12-26 | At&T Corp. | Virtual calling card system |
EP0706692B1 (en) | 1992-10-26 | 2003-04-16 | Intellect Australia Pty. Ltd. | Host and user transaction system |
US5326960A (en) | 1992-11-25 | 1994-07-05 | Tannenbaum David H | Currency transfer system and method |
US5361062A (en) | 1992-11-25 | 1994-11-01 | Security Dynamics Technologies, Inc. | Personal security system |
US5350906A (en) | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
ATE161348T1 (en) * | 1992-12-01 | 1998-01-15 | Landis & Gyr Tech Innovat | PROCEDURE FOR COMPENSATION FOR SERVICES AND/OR GOODS AND FACILITY FOR IMPLEMENTING THE PROCESS |
GB9226475D0 (en) | 1992-12-18 | 1993-02-10 | Cambridge Display Tech Ltd | Chromophoric polymeric compositions |
US5450479A (en) | 1992-12-30 | 1995-09-12 | At&T Corp. | Method and apparatus for facilitating the making of card calls |
US6876971B1 (en) * | 2000-07-05 | 2005-04-05 | Every Penny Counts, Inc. | Funds distribution system connected with point of sale transaction |
US6112191A (en) | 1993-02-18 | 2000-08-29 | Every Penny Counts, Inc. | Method and system to create and distribute excess funds from consumer spending transactions |
US5621640A (en) | 1993-02-18 | 1997-04-15 | Every Penny Counts, Inc. | Automatic philanthropic contribution system |
GB2275654B (en) | 1993-03-04 | 1996-11-13 | Landis & Gyr Energy Management | Smart card |
US5466919A (en) | 1993-04-02 | 1995-11-14 | Hovakimian; Henry | Credit/charge card system enabling purchasers to contribute to selected charities |
US5491838A (en) | 1993-04-08 | 1996-02-13 | Digital D.J. Inc. | Broadcast system with associated data capabilities |
US5523794A (en) | 1993-04-16 | 1996-06-04 | Mankovitz; Roy J. | Method and apparatus for portable storage and use of data transmitted by television signal |
US5513117A (en) | 1993-04-30 | 1996-04-30 | Small; Maynard E. | Apparatus and method for electronically dispensing personalized greeting cards and gifts |
US5442567A (en) | 1993-04-30 | 1995-08-15 | Small; Maynard E. | Apparatus and method for electronically dispensing personalized greeting cards and gifts |
US6109525A (en) | 1993-05-28 | 2000-08-29 | Saab-Scania Combitech Akitiebolag | Method and device for registering vehicles in a road toll facility |
US5424524A (en) | 1993-06-24 | 1995-06-13 | Ruppert; Jonathan P. | Personal scanner/computer for displaying shopping lists and scanning barcodes to aid shoppers |
US5794207A (en) * | 1996-09-04 | 1998-08-11 | Walker Asset Management Limited Partnership | Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers |
US5551021A (en) | 1993-07-30 | 1996-08-27 | Olympus Optical Co., Ltd. | Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information |
US5649118A (en) | 1993-08-27 | 1997-07-15 | Lucent Technologies Inc. | Smart card with multiple charge accounts and product item tables designating the account to debit |
US5940811A (en) | 1993-08-27 | 1999-08-17 | Affinity Technology Group, Inc. | Closed loop financial transaction method and apparatus |
US5544246A (en) | 1993-09-17 | 1996-08-06 | At&T Corp. | Smartcard adapted for a plurality of service providers and for remote installation of same |
DE4333388A1 (en) * | 1993-09-30 | 1995-04-06 | Giesecke & Devrient Gmbh | System for carrying out transactions with a multifunction card with an electronic wallet |
DE69432503T2 (en) * | 1993-10-08 | 2003-12-24 | Ibm | Information archiving system with object-dependent functionality |
USRE36365E (en) | 1993-10-25 | 1999-11-02 | Visa International Service Association | Method and apparatus for distributing currency |
US5477038A (en) | 1993-10-25 | 1995-12-19 | Visa International | Method and apparatus for distributing currency |
US5920847A (en) | 1993-11-01 | 1999-07-06 | Visa International Service Association | Electronic bill pay system |
US5465206B1 (en) | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
US5380991A (en) | 1993-11-16 | 1995-01-10 | Valencia; Luis | Paperless coupon redemption system and method thereof |
US5488571A (en) | 1993-11-22 | 1996-01-30 | Timex Corporation | Method and apparatus for downloading information from a controllable light source to a portable information device |
JP3367675B2 (en) * | 1993-12-16 | 2003-01-14 | オープン マーケット インコーポレイテッド | Open network sales system and method for real-time approval of transaction transactions |
US5578808A (en) * | 1993-12-22 | 1996-11-26 | Datamark Services, Inc. | Data card that can be used for transactions involving separate card issuers |
US5530232A (en) * | 1993-12-22 | 1996-06-25 | Datamark Services, Inc. | Multi-application data card |
IL108177A (en) * | 1993-12-24 | 1996-11-14 | Inflight Financial Services Lt | Vehicle mounted cash dispensing machine |
US5826243A (en) | 1994-01-03 | 1998-10-20 | Merrill Lynch & Co., Inc. | Integrated system for controlling master account and nested subaccount(s) |
US5594493A (en) * | 1994-01-19 | 1997-01-14 | Nemirofsky; Frank R. | Television signal activated interactive smart card system |
AU703349B2 (en) * | 1994-02-04 | 1999-03-25 | Ic One, Inc. | Method and system for allocating and redeeming incentive credits |
USH1794H (en) | 1994-02-08 | 1999-04-06 | At&T Corp. | Secure money transfer techniques using hierarchical arrangement of smart cards |
US5471669A (en) | 1994-03-17 | 1995-11-28 | Alchemist And Company, Inc. | Coupon savings account system |
US5570295A (en) | 1994-03-18 | 1996-10-29 | Lucent Technologies Inc. | System and method of capturing encoded data transmitted over a communications network in a video system |
FR2718311A1 (en) * | 1994-03-30 | 1995-10-06 | Trt Telecom Radio Electr | Device for implementing a message signature system and chip card comprising such a device. |
US5457305A (en) | 1994-03-31 | 1995-10-10 | Akel; William S. | Distributed on-line money access card transaction processing system |
AU2241195A (en) | 1994-04-06 | 1995-10-30 | Morgan Stanley Group Inc. | Data processing system and method for financial debt instruments |
JP3600266B2 (en) | 1994-04-08 | 2004-12-15 | 株式会社ルネサステクノロジ | Contactless IC card interface device and communication system using the same |
US5621868A (en) * | 1994-04-15 | 1997-04-15 | Sony Corporation | Generating imitation custom artwork by simulating brush strokes and enhancing edges |
US5537314A (en) * | 1994-04-18 | 1996-07-16 | First Marketrust Intl. | Referral recognition system for an incentive award program |
US5918214A (en) * | 1996-10-25 | 1999-06-29 | Ipf, Inc. | System and method for finding product and service related information on the internet |
US5799087A (en) | 1994-04-28 | 1998-08-25 | Citibank, N.A. | Electronic-monetary system |
US5477040A (en) | 1994-05-23 | 1995-12-19 | Lalonde; Michael G. | Structure for a method of facilitating charge transactions |
US5500681A (en) | 1994-05-24 | 1996-03-19 | Jones; Charles P. | Apparatus and method for generating product coupons in response to televised offers |
US5649117A (en) | 1994-06-03 | 1997-07-15 | Midwest Payment Systems | System and method for paying bills and other obligations including selective payor and payee controls |
US5721831A (en) * | 1994-06-03 | 1998-02-24 | Ncr Corporation | Method and apparatus for recording results of marketing activity in a database of a bank, and for searching the recorded results |
US5728999A (en) * | 1994-06-14 | 1998-03-17 | Advanced Retail Systems Ltd. | Vending machine, a vending system and methods for operating same |
US5459306A (en) | 1994-06-15 | 1995-10-17 | Blockbuster Entertainment Corporation | Method and system for delivering on demand, individually targeted promotions |
US5590038A (en) | 1994-06-20 | 1996-12-31 | Pitroda; Satyan G. | Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions |
US5761661A (en) * | 1994-07-14 | 1998-06-02 | The Sabre Group, Inc. | Data management system and method |
US5603025A (en) | 1994-07-29 | 1997-02-11 | Borland International, Inc. | Methods for hypertext reporting in a relational database management system |
US5642279A (en) | 1994-08-09 | 1997-06-24 | New England Audio Company | Technique for utilizing a computer system to provide price protection to retail customers |
US5637845A (en) | 1994-12-12 | 1997-06-10 | Usa Technologies, Inc. | Credit and bank issued debit card operated system and method for controlling a prepaid card encoding/dispensing machine |
US5544086A (en) | 1994-09-30 | 1996-08-06 | Electronic Payment Services, Inc. | Information consolidation within a transaction network |
US5503891A (en) * | 1994-10-25 | 1996-04-02 | Marflex International Inc. | Flexible magnet attractant display mat |
US5581064A (en) | 1994-11-01 | 1996-12-03 | Pennsylvania Food Merchants Association | Automated coupon processing system employing coupon with identifying code and chosen second identifying code uniquely identifying the coupon |
US5563933A (en) * | 1994-11-02 | 1996-10-08 | At&T | Method and apparatus for facilitating the completing of telephone regional toll-free calls from outside the region |
US5883310A (en) * | 1994-11-04 | 1999-03-16 | The Regents Of The University Of California | Micromachined hot-wire shear stress sensor |
US5488423A (en) | 1994-11-17 | 1996-01-30 | U.S. Narrow Networks, Inc. | Home communication method and apparatus |
US5805719A (en) | 1994-11-28 | 1998-09-08 | Smarttouch | Tokenless identification of individuals |
US5664110A (en) | 1994-12-08 | 1997-09-02 | Highpoint Systems, Inc. | Remote ordering system |
US5705798A (en) | 1994-12-16 | 1998-01-06 | Mastercard International Inc. | System and method for processing a customized financial transaction card |
US5559313A (en) | 1994-12-23 | 1996-09-24 | Lucent Technologies Inc. | Categorization of purchased items for each transaction by a smart card |
FR2730330B1 (en) * | 1995-02-02 | 1997-04-18 | Cohen Solal Bernard Simon | INTERACTIVE UNIVERSAL INFORMATION SYSTEM PER DEVICE AND MULTI-SERVICE CARD |
JPH08214281A (en) | 1995-02-06 | 1996-08-20 | Sony Corp | Charging method and system |
US5530235A (en) | 1995-02-16 | 1996-06-25 | Xerox Corporation | Interactive contents revealing storage device |
US5689650A (en) | 1995-02-23 | 1997-11-18 | Mcclelland; Glenn B. | Community reinvestment act network |
US5696907A (en) | 1995-02-27 | 1997-12-09 | General Electric Company | System and method for performing risk and credit analysis of financial service applications |
US5765143A (en) * | 1995-02-28 | 1998-06-09 | Triad Systems Corporation | Method and system for inventory management |
US5787403A (en) * | 1995-03-08 | 1998-07-28 | Huntington Bancshares, Inc. | Bank-centric service platform, network and system |
US5956695A (en) | 1995-03-21 | 1999-09-21 | Maritz, Inc. | Filter processor and method for implementing a program |
US5689100A (en) | 1995-03-21 | 1997-11-18 | Martiz, Inc. | Debit card system and method for implementing incentive award program |
US6192113B1 (en) * | 1995-03-27 | 2001-02-20 | At&T Corp | Method and apparatus for phone card billing |
US5659741A (en) | 1995-03-29 | 1997-08-19 | Stuart S. Bowie | Computer system and method for storing medical histories using a carrying size card |
US5727163A (en) * | 1995-03-30 | 1998-03-10 | Amazon.Com, Inc. | Secure method for communicating credit card data when placing an order on a non-secure network |
US6002383A (en) | 1995-03-30 | 1999-12-14 | Dai Nippon Printing Co., Ltd. | Polymer dispersed liquid crystal (PDLC) film using heat or an electric field to change state and the other to change back |
US5677955A (en) | 1995-04-07 | 1997-10-14 | Financial Services Technology Consortium | Electronic funds transfer instruments |
US6321208B1 (en) | 1995-04-19 | 2001-11-20 | Brightstreet.Com, Inc. | Method and system for electronic distribution of product redemption coupons |
US5926800A (en) | 1995-04-24 | 1999-07-20 | Minerva, L.P. | System and method for providing a line of credit secured by an assignment of a life insurance policy |
JP3047092B2 (en) * | 1995-05-02 | 2000-05-29 | 日本信販株式会社 | Credit card system and method of using credit card using the system |
US5982918A (en) * | 1995-05-02 | 1999-11-09 | Cummins-Allison, Corp. | Automatic funds processing system |
US6363164B1 (en) * | 1996-05-13 | 2002-03-26 | Cummins-Allison Corp. | Automated document processing system using full image scanning |
US5652602A (en) | 1995-05-08 | 1997-07-29 | Microsoft Corporation | Fast serial data transmission using a CRT |
KR100285111B1 (en) * | 1995-05-09 | 2001-03-15 | 피터 데이비드 본 | Card interface |
US5920844A (en) * | 1995-05-15 | 1999-07-06 | Ricoh Company, Ltd. | Information display method |
US5684291A (en) | 1995-06-01 | 1997-11-04 | American Express Trs | Refundable prepaid telephone card |
US5727153A (en) * | 1995-06-06 | 1998-03-10 | Powell; Ken R. | Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards |
US5835061A (en) | 1995-06-06 | 1998-11-10 | Wayport, Inc. | Method and apparatus for geographic-based communications service |
US5692132A (en) | 1995-06-07 | 1997-11-25 | Mastercard International, Inc. | System and method for conducting cashless transactions on a computer network |
US5664115A (en) * | 1995-06-07 | 1997-09-02 | Fraser; Richard | Interactive computer system to match buyers and sellers of real estate, businesses and other property using the internet |
US5740549A (en) | 1995-06-12 | 1998-04-14 | Pointcast, Inc. | Information and advertising distribution system and method |
US5703344A (en) | 1995-06-30 | 1997-12-30 | Visa International Service Association | Electronic funds confirmation at point of transaction |
US6115458A (en) | 1995-07-14 | 2000-09-05 | American Express Travel Related Services Company, Inc. | Method and apparatus for summaries of prepaid instrument transaction activity |
US5745049A (en) | 1995-07-20 | 1998-04-28 | Yokogawa Electric Corporation | Wireless equipment diagnosis system |
US6345766B1 (en) | 1995-08-02 | 2002-02-12 | American Express Travel Related Services | Methods and apparatus for providing a prepaid, remote memory customer account for the visually impaired |
US5857175A (en) * | 1995-08-11 | 1999-01-05 | Micro Enhancement International | System and method for offering targeted discounts to customers |
US5765138A (en) | 1995-08-23 | 1998-06-09 | Bell Atlantic Network Services, Inc. | Apparatus and method for providing interactive evaluation of potential vendors |
US5852812A (en) | 1995-08-23 | 1998-12-22 | Microsoft Corporation | Billing system for a network |
US5864609A (en) * | 1995-09-11 | 1999-01-26 | At&T Corp. | Method for establishing customized billing arrangements for a calling card in a telecommunications network |
US5984191A (en) | 1995-11-20 | 1999-11-16 | International Card Technology | Multiple magnetic stripe transaction cards and systems for the utilization thereof |
US5883377A (en) | 1995-11-20 | 1999-03-16 | International Card Technologies, Inc. | Multiple magnetic stripe transaction cards and systems for the utilization thereof |
US6138917A (en) | 1995-10-02 | 2000-10-31 | International Card Technology | Multiple magnetic stripe transaction cards and systems for the utilization thereof |
US5765141A (en) * | 1995-10-06 | 1998-06-09 | Spector; Donald | Computerized merchandising system |
US5806042A (en) | 1995-10-11 | 1998-09-08 | Kelly; William Franklin | System for designing and implementing bank owned life insurance (BOLI) with a reinsurance option |
US5966695A (en) * | 1995-10-17 | 1999-10-12 | Citibank, N.A. | Sales and marketing support system using a graphical query prospect database |
DE19539355A1 (en) | 1995-10-23 | 1997-04-24 | Giesecke & Devrient Gmbh | Method for checking the authenticity of a data carrier |
US5699528A (en) | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
US6186793B1 (en) | 1995-11-07 | 2001-02-13 | Randall E. Brubaker | Process to convert cost and location of a number of actual contingent events within a region into a three dimensional surface over a map that provides for every location within the region its own estimate of expected cost for future contingent events |
US5715402A (en) * | 1995-11-09 | 1998-02-03 | Spot Metals Online | Method and system for matching sellers and buyers of spot metals |
US5619558A (en) * | 1995-11-13 | 1997-04-08 | Ncr Corporation | ATM segment of one marketing method |
US5787404A (en) | 1995-11-21 | 1998-07-28 | Fernandez-Holmann; Ernesto | Credit-card based retirement fund system and method |
CH690048A5 (en) | 1995-11-28 | 2000-03-31 | C Sam S A En Formation C O Jue | Safety device controlling access to a computer or a network terminal. |
US5809478A (en) | 1995-12-08 | 1998-09-15 | Allstate Insurance Company | Method for accessing and evaluating information for processing an application for insurance |
US5774870A (en) | 1995-12-14 | 1998-06-30 | Netcentives, Inc. | Fully integrated, on-line interactive frequency and award redemption program |
US5892824A (en) * | 1996-01-12 | 1999-04-06 | International Verifact Inc. | Signature capture/verification systems and methods |
US5777903A (en) * | 1996-01-22 | 1998-07-07 | Motorola, Inc. | Solar cell powered smart card with integrated display and interface keypad |
US5777305A (en) | 1996-01-24 | 1998-07-07 | Incomm | Package assembly and method for activating prepaid debit cards |
US5814796A (en) | 1996-01-31 | 1998-09-29 | Mag-Tek, Inc. | Terminal for issuing and processing data-bearing documents |
US5819237A (en) | 1996-02-13 | 1998-10-06 | Financial Engineering Associates, Inc. | System and method for determination of incremental value at risk for securities trading |
US5665953A (en) | 1996-02-14 | 1997-09-09 | Lobar Code Inc. | Self-contained personal data collector for redeeming coupons |
US5806044A (en) * | 1996-02-20 | 1998-09-08 | Powell; Ken R. | System and method for distributing coupons through a system of computer networks |
US5890135A (en) * | 1996-02-20 | 1999-03-30 | Powell; Ken R. | System and method for displaying product information in a retail system |
US5887271A (en) * | 1996-02-20 | 1999-03-23 | Powell; Ken R. | System and method for locating products in a retail system |
US5758328A (en) * | 1996-02-22 | 1998-05-26 | Giovannoli; Joseph | Computerized quotation system and method |
AU1987097A (en) | 1996-03-07 | 1997-09-22 | American Express Travel Related Services Company, Inc. | Methods and apparatus for providing a prepaid, remote memory transaction account with voice indicia |
US5873096A (en) * | 1997-10-08 | 1999-02-16 | Siebel Systems, Inc. | Method of maintaining a network of partially replicated database system |
US5802176A (en) | 1996-03-22 | 1998-09-01 | Activcard | System for controlling access to a function, using a plurality of dynamic encryption variables |
US5937068A (en) | 1996-03-22 | 1999-08-10 | Activcard | System and method for user authentication employing dynamic encryption variables |
JPH09259239A (en) | 1996-03-25 | 1997-10-03 | Toshiba Corp | Portable terminal equipment for ic card |
US6044360A (en) * | 1996-04-16 | 2000-03-28 | Picciallo; Michael J. | Third party credit card |
US5815657A (en) | 1996-04-26 | 1998-09-29 | Verifone, Inc. | System, method and article of manufacture for network electronic authorization utilizing an authorization instrument |
EP0807907A1 (en) * | 1996-05-13 | 1997-11-19 | Thomas De La Rue Limited | System for securely accessing data from smart cards |
US5761647A (en) * | 1996-05-24 | 1998-06-02 | Harrah's Operating Company, Inc. | National customer recognition system and method |
US5704046A (en) | 1996-05-30 | 1997-12-30 | Mastercard International Inc. | System and method for conducting cashless transactions |
US6049782A (en) | 1996-05-31 | 2000-04-11 | Citibank, N.A. | Relationship management system and process for pricing financial instruments based on a customer's relationship with a financial institution |
US5987434A (en) | 1996-06-10 | 1999-11-16 | Libman; Richard Marc | Apparatus and method for transacting marketing and sales of financial products |
US6076072A (en) | 1996-06-10 | 2000-06-13 | Libman; Richard Marc | Method and apparatus for preparing client communications involving financial products and services |
FR2750274B1 (en) | 1996-06-21 | 1998-07-24 | Arditti David | PROCEDURE FOR TAKING INTO ACCOUNT A REQUEST FOR THE USE OF A VIRTUAL PREPAID CARD ALLOWING THE REUSE OF ITS SERIAL NUMBER |
US5845259A (en) * | 1996-06-27 | 1998-12-01 | Electronic Consumer Concepts, L.L.C. | Electronic coupon dispensing system |
JPH1021551A (en) | 1996-06-28 | 1998-01-23 | Victor Co Of Japan Ltd | Method for reproducing information recording medium |
US5770843A (en) * | 1996-07-02 | 1998-06-23 | Ncr Corporation | Access card for multiple accounts |
DE69707020D1 (en) | 1996-07-09 | 2001-10-31 | Ldc Direct Ltd Co | SALES SYSTEM FOR PREPAYED CARDS IN DISTRIBUTION POINTS |
US5890138A (en) | 1996-08-26 | 1999-03-30 | Bid.Com International Inc. | Computer auction system |
US5862223A (en) * | 1996-07-24 | 1999-01-19 | Walker Asset Management Limited Partnership | Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce |
US5819234A (en) | 1996-07-29 | 1998-10-06 | The Chase Manhattan Bank | Toll collection system |
US6004681A (en) | 1996-08-02 | 1999-12-21 | The Ohio State University Research Foundation | Light-emitting devices containing network electrode polymers in electron blocking layer |
US5770849A (en) * | 1996-08-23 | 1998-06-23 | Motorola, Inc. | Smart card device with pager and visual image display |
CA2264014A1 (en) | 1996-08-29 | 1998-03-19 | Denis Fetherston | An automated maintenance system |
US5897620A (en) | 1997-07-08 | 1999-04-27 | Priceline.Com Inc. | Method and apparatus for the sale of airline-specified flight tickets |
US5979757A (en) * | 1996-09-05 | 1999-11-09 | Symbol Technologies, Inc. | Method and system for presenting item information using a portable data terminal |
WO1998011514A1 (en) * | 1996-09-13 | 1998-03-19 | Oki Electric Industry Co., Ltd. | Electronic transaction system |
US6032859A (en) * | 1996-09-18 | 2000-03-07 | New View Technologies, Inc. | Method for processing debit purchase transactions using a counter-top terminal system |
US5789733A (en) | 1996-09-20 | 1998-08-04 | Motorola, Inc. | Smart card with contactless optical interface |
US5933817A (en) | 1996-09-27 | 1999-08-03 | Hucal; Stephen J. | Tiered interest rate revolving credit system and method |
AU745141B2 (en) | 1996-10-09 | 2002-03-14 | Visa International Service Association | Electronic statement presentment system |
US5953710A (en) | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
US5839113A (en) | 1996-10-30 | 1998-11-17 | Okemos Agency, Inc. | Method and apparatus for rating geographical areas using meteorological conditions |
US5905246A (en) | 1996-10-31 | 1999-05-18 | Fajkowski; Peter W. | Method and apparatus for coupon management and redemption |
US5798950A (en) | 1996-10-31 | 1998-08-25 | International Business Machines Corporation | Method and apparatus for estimating durations of activities in forming a current system, based on past durations of activities in forming past systems |
ATE214823T1 (en) | 1996-11-14 | 2002-04-15 | Fexco | PROCESSING TRANSACTIONS |
EP0880738A1 (en) | 1996-11-15 | 1998-12-02 | Koninklijke Philips Electronics N.V. | Data processing circuit with a self-timed instruction execution unit |
US5884274A (en) | 1996-11-15 | 1999-03-16 | Walker Asset Management Limited Partnership | System and method for generating and executing insurance policies for foreign exchange losses |
US6498861B1 (en) | 1996-12-04 | 2002-12-24 | Activcard Ireland Limited | Biometric security encryption system |
US6076167A (en) | 1996-12-04 | 2000-06-13 | Dew Engineering And Development Limited | Method and system for improving security in network applications |
US5991748A (en) | 1996-12-06 | 1999-11-23 | American Express Travel Related Services Company, Inc. | Methods and apparatus for regenerating a prepaid transaction account |
US5760381A (en) * | 1996-12-16 | 1998-06-02 | Moore Business Forms, Inc. | Prepaid card |
US5961593A (en) | 1997-01-22 | 1999-10-05 | Lucent Technologies, Inc. | System and method for providing anonymous personalized browsing by a proxy system in a network |
US6119932A (en) | 1997-02-18 | 2000-09-19 | Protech Video Security, Inc. | Identification verification apparatus and method |
US5857709A (en) * | 1997-02-24 | 1999-01-12 | Chock; Ernest P. | Anticounterfeit documentation with see-through and write-able hologram |
US6561657B1 (en) * | 1997-02-27 | 2003-05-13 | Douglas P. Schofield | Credit card pocket mirror and miniature billboard |
US5970478A (en) * | 1997-03-12 | 1999-10-19 | Walker Asset Management Limited Partnership | Method, apparatus, and program for customizing credit accounts |
US5909486A (en) * | 1997-03-19 | 1999-06-01 | Walker Asset Management Limited Partnership | Method and apparatus for awarding and redeeming prepaid telephone time |
US6243688B1 (en) | 1997-04-14 | 2001-06-05 | Dyan T. Kalina | Internet-based credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle |
US5970480A (en) | 1997-04-14 | 1999-10-19 | Kalina; Dyan T. | Centralized credit interchange system of converting purchase credit awards through credit exchange system for purchase of investment vehicle |
JP4212068B2 (en) | 1997-05-19 | 2009-01-21 | ローム株式会社 | IC card and IC chip module |
US6119103A (en) | 1997-05-27 | 2000-09-12 | Visa International Service Association | Financial risk prediction systems and methods therefor |
US6278981B1 (en) | 1997-05-29 | 2001-08-21 | Algorithmics International Corporation | Computer-implemented method and apparatus for portfolio compression |
US6405182B1 (en) | 1998-08-03 | 2002-06-11 | Vincent Cuervo | System for dispensing prepaid debit cards through point-of-sale terminals |
US20020174016A1 (en) | 1997-06-16 | 2002-11-21 | Vincent Cuervo | Multiple accounts and purposes card method and system |
US20010047342A1 (en) | 1997-06-16 | 2001-11-29 | Vincent Cuervo | Credit or debit cards of all kinds to be issued with a bank savings account attched |
US5991743A (en) | 1997-06-30 | 1999-11-23 | General Electric Company | System and method for proactively monitoring risk exposure |
US6021189A (en) * | 1997-07-01 | 2000-02-01 | Northern Telecom Limited | System for controlling usage of phone debit cards |
US6295522B1 (en) | 1997-07-11 | 2001-09-25 | Cybercash, Inc. | Stored-value card value acquisition method and apparatus |
US6006988A (en) | 1997-07-15 | 1999-12-28 | Behrmann; Bry E. | Non-cash media card and process of dispensing from automated teller |
US6078888A (en) | 1997-07-16 | 2000-06-20 | Gilbarco Inc. | Cryptography security for remote dispenser transactions |
FR2767624B1 (en) | 1997-08-21 | 2002-05-10 | Activcard | ELECTRONIC PORTABLE DEVICE FOR SECURE COMMUNICATION SYSTEM, AND METHOD FOR INITIALIZING ITS PARAMETERS |
US6018718A (en) | 1997-08-28 | 2000-01-25 | Walker Asset Management Limited Partnership | Method and system for processing customized reward offers |
US5974399A (en) | 1997-08-29 | 1999-10-26 | Catalina Marketing International, Inc. | Method and apparatus for generating purchase incentives based on price differentials |
US6029144A (en) * | 1997-08-29 | 2000-02-22 | International Business Machines Corporation | Compliance-to-policy detection method and system |
GB2329272B (en) * | 1997-09-11 | 2001-06-13 | De La Rue Int Ltd | Card terminal |
US5914472A (en) | 1997-09-23 | 1999-06-22 | At&T Corp | Credit card spending authorization control system |
US5883810A (en) | 1997-09-24 | 1999-03-16 | Microsoft Corporation | Electronic online commerce card with transactionproxy number for online transactions |
US6000832A (en) | 1997-09-24 | 1999-12-14 | Microsoft Corporation | Electronic online commerce card with customer generated transaction proxy number for online transactions |
US6574603B1 (en) * | 1997-09-26 | 2003-06-03 | Gilbarco Inc. | In-vehicle ordering |
US5946669A (en) | 1997-09-30 | 1999-08-31 | Lockheed Martin Corporation | Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange |
US6134309A (en) | 1997-09-30 | 2000-10-17 | Creative Games International, Inc. | Pre-paid phone card system with promotional link |
US7225155B1 (en) * | 1997-09-30 | 2007-05-29 | Acs State & Local Solutions, Inc. | Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange |
US5936221A (en) * | 1997-10-02 | 1999-08-10 | Bridgepoint Systems, Inc. | Smart card system and method for transferring value |
US5984180A (en) | 1997-10-06 | 1999-11-16 | Albrecht; Jerry L. | Method and system for gift credit card |
FR2769389B1 (en) * | 1997-10-07 | 2000-01-28 | Rue Cartes Et Systemes De | MICROCIRCUIT CARD COMBINING EXTERIOR CONTACT RANGES AND AN ANTENNA, AND METHOD FOR MANUFACTURING SUCH A CARD |
US6128599A (en) | 1997-10-09 | 2000-10-03 | Walker Asset Management Limited Partnership | Method and apparatus for processing customized group reward offers |
EP1023791A2 (en) | 1997-10-09 | 2000-08-02 | Walker Digital, LLC | Point-of-sale system and method for the management of group rewards |
FR2769734B1 (en) * | 1997-10-10 | 2000-01-28 | Rue Cartes Et Systemes De | MICROCIRCUIT CARD, METHOD FOR MANUFACTURING SUCH A CARD, AND TOOLS FOR CARRYING OUT SAID METHOD |
US6049773A (en) | 1997-10-14 | 2000-04-11 | Reclaim Technology And Services Limited | Automated method for identification of reinsurance claims |
US6895386B1 (en) * | 1997-10-15 | 2005-05-17 | Citibank, N.A. | Stock credit card |
US6422459B1 (en) | 1997-10-15 | 2002-07-23 | Citicorp Development Center, Inc. | Method and system for off-line loading of stored value cards using a batch-load terminal |
US6061660A (en) | 1997-10-20 | 2000-05-09 | York Eggleston | System and method for incentive programs and award fulfillment |
ATE223091T1 (en) | 1997-10-22 | 2002-09-15 | Cambridge Consultants | PORTABLE CHIP CARD |
US5991750A (en) | 1997-10-24 | 1999-11-23 | Ge Capital | System and method for pre-authorization of individual account transactions |
US6070067A (en) * | 1997-10-31 | 2000-05-30 | Telefonaktiebolaget Lm Ericsson | Prepayment method utilizing credit information stored in mobile terminals for accessing wireless telecommunication networks |
US6047268A (en) * | 1997-11-04 | 2000-04-04 | A.T.&T. Corporation | Method and apparatus for billing for transactions conducted over the internet |
US6038292A (en) | 1997-11-07 | 2000-03-14 | American Express Travel Related Services Company, Inc. | Methods and apparatus for language registration of prepaid, remote entry customer account |
US6078891A (en) | 1997-11-24 | 2000-06-20 | Riordan; John | Method and system for collecting and processing marketing data |
US6119097A (en) | 1997-11-26 | 2000-09-12 | Executing The Numbers, Inc. | System and method for quantification of human performance factors |
DE69826318T2 (en) | 1997-12-19 | 2005-10-13 | Visa International Service Association, Foster City | CARD ACTIVATION AT THE DISTRIBUTION AGENCY |
US6064985A (en) | 1998-01-21 | 2000-05-16 | Assured Equities, Inc. | Automated portfolio management system with internet datafeed |
FR2774197B1 (en) * | 1998-01-26 | 2001-11-23 | Rue Cartes Et Systemes De | PROCESS FOR MANUFACTURING A MICROCIRCUIT CARD AND CARD OBTAINED BY THE IMPLEMENTATION OF THIS PROCESS |
US6068183A (en) | 1998-04-17 | 2000-05-30 | Viztec Inc. | Chip card system |
US5971274A (en) * | 1998-01-28 | 1999-10-26 | Inflight Financial Services Ltd. | Apparatus and methods for providing financial services |
US6098053A (en) | 1998-01-28 | 2000-08-01 | Citibank, N.A. | System and method for performing an electronic financial transaction |
US6173267B1 (en) | 1998-02-24 | 2001-01-09 | Laurie Cairns | Method for product promotion |
US6095416A (en) | 1998-02-24 | 2000-08-01 | Privicom, Inc. | Method and device for preventing unauthorized use of credit cards |
US6179205B1 (en) * | 1998-03-05 | 2001-01-30 | Visa International Service Association | System and method for locking and unlocking and application in a smart card |
US5999596A (en) | 1998-03-06 | 1999-12-07 | Walker Asset Management Limited | Method and system for controlling authorization of credit card transactions |
US6105011A (en) | 1998-03-19 | 2000-08-15 | First Union Corporation | Security system and method for business transactions with customers |
US6260758B1 (en) | 1998-03-25 | 2001-07-17 | Compuscan Technologies Inc. | Promotional financial transaction machine method |
US6422462B1 (en) | 1998-03-30 | 2002-07-23 | Morris E. Cohen | Apparatus and methods for improved credit cards and credit card transactions |
US20010011227A1 (en) | 1998-04-03 | 2001-08-02 | Lawrence E. Ashery | Method and apparatus for collecting information associated with movement between locations |
US6450407B1 (en) | 1998-04-17 | 2002-09-17 | Viztec, Inc. | Chip card rebate system |
US6315195B1 (en) * | 1998-04-17 | 2001-11-13 | Diebold, Incorporated | Transaction apparatus and method |
US6463039B1 (en) | 1998-04-24 | 2002-10-08 | Intelligent Ideation, Inc. | Method and apparatus for full duplex sideband communication |
US6160903A (en) | 1998-04-24 | 2000-12-12 | Dew Engineering And Development Limited | Method of providing secure user access |
US6199762B1 (en) * | 1998-05-06 | 2001-03-13 | American Express Travel Related Services Co., Inc. | Methods and apparatus for dynamic smartcard synchronization and personalization |
US20020046089A1 (en) * | 1998-05-08 | 2002-04-18 | Zorn Richard C. | Targeted advertising brochure and method for its use |
US6385594B1 (en) * | 1998-05-08 | 2002-05-07 | Lendingtree, Inc. | Method and computer network for co-ordinating a loan over the internet |
US6567821B1 (en) | 1998-05-15 | 2003-05-20 | Acs State & Local Solutions, Inc. | Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information |
US6148297A (en) | 1998-06-01 | 2000-11-14 | Surgical Safety Products, Inc. | Health care information and data tracking system and method |
US6129274A (en) | 1998-06-09 | 2000-10-10 | Fujitsu Limited | System and method for updating shopping transaction history using electronic personal digital shopping assistant |
US6615189B1 (en) | 1998-06-22 | 2003-09-02 | Bank One, Delaware, National Association | Debit purchasing of stored value card for use by and/or delivery to others |
GB2377071B (en) | 1998-06-22 | 2003-02-12 | First Usa Bank | Debit purchasing of stored value card for use by and/or delivery to others |
US5931764A (en) | 1998-06-24 | 1999-08-03 | Viztec, Inc. | Wearable device with flexible display |
US7216091B1 (en) * | 1998-06-26 | 2007-05-08 | American Express Travel Related Services Company, Inc. | Stored value transaction system including an integrated database server |
US6122623A (en) | 1998-07-02 | 2000-09-19 | Financial Engineering Associates, Inc. | Watershed method for controlling cashflow mapping in value at risk determination |
US6105865A (en) | 1998-07-17 | 2000-08-22 | Hardesty; Laurence Daniel | Financial transaction system with retirement saving benefit |
US6615183B1 (en) | 1998-07-20 | 2003-09-02 | Usa Technologies, Inc. | Method of warehousing user data entered at an electronic commerce terminal |
DE19834515C1 (en) | 1998-07-31 | 2000-03-16 | Deutsche Telekom Ag | Electronic dog tag |
US6129572A (en) | 1998-08-03 | 2000-10-10 | 3M Innovative Properties Company | Electrical connector with latch to retain IC card |
US6163770A (en) | 1998-08-25 | 2000-12-19 | Financial Growth Resources, Inc. | Computer apparatus and method for generating documentation using a computed value for a claims cost affected by at least one concurrent, different insurance policy for the same insured |
US6223143B1 (en) * | 1998-08-31 | 2001-04-24 | The United States Government As Represented By The Administrator Of The National Aeronautics And Space Administration | Quantitative risk assessment system (QRAS) |
CA2343397C (en) | 1998-09-11 | 2003-03-11 | Motorola, Inc. | Radio frequency identification tag apparatus and related method |
EP0987642A3 (en) | 1998-09-15 | 2004-03-10 | Citibank, N.A. | Method and system for co-branding an electronic payment platform such as an electronic wallet |
US6609111B1 (en) | 1998-10-22 | 2003-08-19 | Lawrence L. Bell | Method and apparatus for modeling and executing deferred award instrument plan |
US6161096A (en) | 1998-10-22 | 2000-12-12 | Bell; Lawrence L. | Method and apparatus for modeling and executing deferred award instrument plan |
US6473500B1 (en) | 1998-10-28 | 2002-10-29 | Mastercard International Incorporated | System and method for using a prepaid card |
US6182894B1 (en) | 1998-10-28 | 2001-02-06 | American Express Travel Related Services Company, Inc. | Systems and methods for authorizing a transaction card |
US6999569B2 (en) | 1998-10-28 | 2006-02-14 | Mastercard International Incorporated | System and method for using a prepaid card |
US6249769B1 (en) * | 1998-11-02 | 2001-06-19 | International Business Machines Corporation | Method, system and program product for evaluating the business requirements of an enterprise for generating business solution deliverables |
US6324524B1 (en) | 1998-11-03 | 2001-11-27 | Nextcard, Inc. | Method and apparatus for an account level offer of credit and real time balance transfer |
US6164533A (en) | 1998-11-12 | 2000-12-26 | Barton; Blain | Point of sale automatic savings program contribution system |
US6182048B1 (en) | 1998-11-23 | 2001-01-30 | General Electric Company | System and method for automated risk-based pricing of a vehicle warranty insurance policy |
US6167385A (en) | 1998-11-30 | 2000-12-26 | The Chase Manhattan Bank | Supply chain financing system and method |
US20010044293A1 (en) | 1998-11-30 | 2001-11-22 | Joseph La Mance Morgan | System and method for global real-time account tracking |
US6560578B2 (en) | 1999-03-12 | 2003-05-06 | Expanse Networks, Inc. | Advertisement selection system supporting discretionary target market characteristics |
US6263316B1 (en) | 1999-02-02 | 2001-07-17 | Momente, Llc | Automated process for retailing to a vehicle occupant |
US6467684B2 (en) | 1999-03-02 | 2002-10-22 | Netvisions, Inc. | Pre-paid card system for purchasing products or services |
US6625582B2 (en) | 1999-03-12 | 2003-09-23 | Richman/Singer Venture | Method and system for converting a designated portion of future social security and other retirement payments to current benefits |
US6484144B2 (en) | 1999-03-23 | 2002-11-19 | Dental Medicine International L.L.C. | Method and system for healthcare treatment planning and assessment |
US20020194081A1 (en) | 1999-04-21 | 2002-12-19 | Perkowski Thomas J. | Internet-based consumer service brand marketing communication system which enables service-providers, retailers, and their respective agents and consumers to carry out service-related functions along the demand side of the retail chain in an integrated manner |
US7392224B1 (en) | 1999-04-23 | 2008-06-24 | Jpmorgan Chase Bank, N.A. | System and method of operating a debit card reward program |
US6145741A (en) | 1999-04-27 | 2000-11-14 | Wisdom; Juanita J. | Universal pre-paid gasoline and travel card |
US6609113B1 (en) | 1999-05-03 | 2003-08-19 | The Chase Manhattan Bank | Method and system for processing internet payments using the electronic funds transfer network |
US6385591B1 (en) | 1999-05-11 | 2002-05-07 | Jeffrey W. Mankoff | Method and system for electronic organization of coupons |
WO2000075820A2 (en) | 1999-06-02 | 2000-12-14 | Algorithmics International Corp. | Risk management system, distributed framework and method |
US7716080B2 (en) * | 1999-06-23 | 2010-05-11 | Signature Systems, Llc | Method and system for using multi-function cards for storing, managing and aggregating reward points |
US6397202B1 (en) | 1999-07-01 | 2002-05-28 | The United States Of America As Represented By The Secretary Of The Navy | System and method for monitoring risk in a system development program |
US6687222B1 (en) * | 1999-07-02 | 2004-02-03 | Cisco Technology, Inc. | Backup service managers for providing reliable network services in a distributed environment |
US20020026418A1 (en) | 1999-07-02 | 2002-02-28 | Adam Koppel | Method for providing pre-paid anonymous electronic debit card compatible with existing network of credit cards |
US20020120627A1 (en) | 1999-07-07 | 2002-08-29 | Mankoff Jeffrey W. | Virtual document organizer system and method |
US20050071230A1 (en) | 1999-07-07 | 2005-03-31 | Mankoff Jeffrey W. | Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means |
US20050075932A1 (en) | 1999-07-07 | 2005-04-07 | Mankoff Jeffrey W. | Delivery, organization, and redemption of virtual offers from the internet, interactive-tv, wireless devices and other electronic means |
US6868426B1 (en) | 1999-07-07 | 2005-03-15 | Jeffrey W. Mankoff | Virtual document organizer system and method |
US7593862B2 (en) | 1999-07-07 | 2009-09-22 | Jeffrey W. Mankoff | Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means |
US20030105672A1 (en) | 1999-07-09 | 2003-06-05 | Epstein John B. | Method and apparatus to facilitate payment over a computer network |
US6505168B1 (en) * | 1999-08-16 | 2003-01-07 | First Usa Bank, Na | System and method for gathering and standardizing customer purchase information for target marketing |
US7093761B2 (en) | 2001-09-24 | 2006-08-22 | E2Interactive, Inc. | System and method for distributing stored-value cards |
US6757660B2 (en) | 1999-08-26 | 2004-06-29 | Blane, Canada Ltd. | Method for analyzing information to provide an objective assessment of a predefined subject |
US6581839B1 (en) | 1999-09-07 | 2003-06-24 | American Express Travel Related Services Company, Inc. | Transaction card |
US6567786B1 (en) * | 1999-09-16 | 2003-05-20 | International Business Machines Corporation | System and method for increasing the effectiveness of customer contact strategies |
US6557766B1 (en) * | 1999-10-01 | 2003-05-06 | Keith R. Leighton | Hot lamination method for a hybrid radio frequency optical memory card converting sheets into a web process |
DE19950524A1 (en) | 1999-10-20 | 2001-04-26 | Philips Corp Intellectual Pty | Smart card |
US6814282B2 (en) | 1999-10-26 | 2004-11-09 | First Data Corporation | Systems and methods of introducing and receiving information across a computer network |
KR20010000053A (en) | 1999-11-30 | 2001-01-05 | 류창완 | Payment system for using multi prepaid cards and method of selling the cards |
US6529880B1 (en) | 1999-12-01 | 2003-03-04 | Intermec Ip Corp. | Automatic payment system for a plurality of remote merchants |
US7231327B1 (en) | 1999-12-03 | 2007-06-12 | Digital Sandbox | Method and apparatus for risk management |
US7720750B2 (en) | 1999-12-15 | 2010-05-18 | Equifax, Inc. | Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants |
US6429927B1 (en) | 1999-12-23 | 2002-08-06 | Activcard Ireland, Limited | Imaging device, especially for optical fingerprinting |
US6970830B1 (en) | 1999-12-29 | 2005-11-29 | General Electric Capital Corporation | Methods and systems for analyzing marketing campaigns |
US6856973B1 (en) * | 1999-12-29 | 2005-02-15 | General Electric Capital Corporation | Methods and systems for assessing creditworthiness of a country |
US6912502B1 (en) | 1999-12-30 | 2005-06-28 | Genworth Financial, Inc., | System and method for compliance management |
US7172112B2 (en) * | 2000-01-21 | 2007-02-06 | American Express Travel Related Services Company, Inc. | Public/private dual card system and method |
US6349291B1 (en) | 2000-01-21 | 2002-02-19 | Attractor Holdings Llc | Method and system for analysis, display and dissemination of financial information using resampled statistical methods |
US6742704B2 (en) | 2000-01-21 | 2004-06-01 | American Express Travel Related Services Company, Inc. | Multiple-service card system |
US20010034647A1 (en) | 2000-02-03 | 2001-10-25 | Marks Michael B. | Providing benefits by the internet to minimally identified users |
US20020002075A1 (en) * | 2000-02-03 | 2002-01-03 | Rick Rowe | Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment |
US6615190B1 (en) * | 2000-02-09 | 2003-09-02 | Bank One, Delaware, National Association | Sponsor funded stored value card |
US6484428B1 (en) | 2000-02-11 | 2002-11-26 | A.W. Faber-Castel U.S.A. | Double-sided magnet with graphical image on each side |
US7822656B2 (en) | 2000-02-15 | 2010-10-26 | Jpmorgan Chase Bank, N.A. | International banking system and method |
WO2001061659A1 (en) | 2000-02-16 | 2001-08-23 | Mastercard International Incorporated | System and method for conducting electronic commerce with a remote wallet server |
US7181420B2 (en) | 2000-02-18 | 2007-02-20 | Oracle International Corporation | Methods and systems for online self-service receivables management and automated online receivables dispute resolution |
US6484148B1 (en) | 2000-02-19 | 2002-11-19 | John E. Boyd | Electronic advertising device and method of using the same |
US6941279B1 (en) * | 2000-02-23 | 2005-09-06 | Banke One Corporation | Mutual fund card method and system |
US20020165771A1 (en) | 2001-05-07 | 2002-11-07 | Walker Jay S. | Method and apparatus for establishing prices for a plurality of products |
US6999943B1 (en) * | 2000-03-10 | 2006-02-14 | Doublecredit.Com, Inc. | Routing methods and systems for increasing payment transaction volume and profitability |
US6671673B1 (en) | 2000-03-24 | 2003-12-30 | International Business Machines Corporation | Method for integrated supply chain and financial management |
US7801766B2 (en) | 2000-03-31 | 2010-09-21 | You Technology Brand Services, Inc. | Method, system, and computer readable medium for facilitating a transaction between a customer, a merchant and an associate |
US20020091572A1 (en) | 2000-03-31 | 2002-07-11 | Carol Anderson | Prepaid service interface system and method |
US6901372B1 (en) * | 2000-04-05 | 2005-05-31 | Ford Motor Company | Quality operating system |
US7006992B1 (en) * | 2000-04-06 | 2006-02-28 | Union State Bank | Risk assessment and management system |
US7113914B1 (en) | 2000-04-07 | 2006-09-26 | Jpmorgan Chase Bank, N.A. | Method and system for managing risks |
CA2405310A1 (en) | 2000-04-14 | 2001-10-25 | E-Vantage International, Inc. | Method and system for delivering foreign exchange risk management advisory solutions to a designated market |
CA2406001A1 (en) * | 2000-04-14 | 2001-10-25 | American Express Travel Related Services Company, Inc. | A system and method for using loyalty points |
US7827102B2 (en) | 2000-04-21 | 2010-11-02 | Microsoft Corporation | System and method for secure distribution of information via email |
US20030004828A1 (en) | 2000-04-27 | 2003-01-02 | S/B Exchange Enterprises, Inc. | Prepaid card authorization and security system |
US20030195808A1 (en) | 2000-04-28 | 2003-10-16 | Brown Michael Wayne | Managing retailer product disbursement |
US7356504B2 (en) * | 2000-05-01 | 2008-04-08 | The Olsen Group | Methods for determining value at risk |
US7280984B2 (en) | 2000-05-08 | 2007-10-09 | Phelan Iii Frank | Money card system, method and apparatus |
CA2410161A1 (en) | 2000-06-01 | 2001-12-06 | Worldcom, Inc. | System and method for providing prepaid services via an internet protocol network system |
US10185936B2 (en) | 2000-06-22 | 2019-01-22 | Jpmorgan Chase Bank, N.A. | Method and system for processing internet payments |
US20040111370A1 (en) * | 2000-06-27 | 2004-06-10 | Digital World Access, Inc. | Single source money management system |
US20020065720A1 (en) * | 2000-07-18 | 2002-05-30 | Carswell Rufus H. | Online promotion redemption control |
US7146338B2 (en) * | 2001-06-28 | 2006-12-05 | Checkfree Services Corporation | Inter-network financial service |
US20020032609A1 (en) * | 2000-07-27 | 2002-03-14 | Wilkman Michael Allen | Calendar transaction manager agent, systems and methods |
US20030018613A1 (en) * | 2000-07-31 | 2003-01-23 | Engin Oytac | Privacy-protecting user tracking and targeted marketing |
US20020052843A1 (en) * | 2000-08-04 | 2002-05-02 | Canon Eduardo Gomez | Smart card for and method of executing transactions |
CA2418018A1 (en) * | 2000-08-04 | 2002-02-14 | Nicholas Frattalone | Method and system for implementing a combined investment |
US6978369B2 (en) | 2000-08-04 | 2005-12-20 | First Data Corporation | Person-centric account-based digital signature system |
US6641049B2 (en) | 2000-08-31 | 2003-11-04 | Pacusma Company, Ltd. | Integrated circuit card with multiple integral electronic modules |
US7742936B2 (en) | 2000-10-02 | 2010-06-22 | Computer Sciences Corporation | Computerized method and system of assessing liability for an accident using impact groups |
US7398226B2 (en) * | 2000-11-06 | 2008-07-08 | American Express Travel Related Services Company, Inc. | System and method for networked loyalty program |
US6366220B1 (en) * | 2000-11-08 | 2002-04-02 | Bbnt Solutions Llc | RF tag based system and method for drive-through applications |
JP2002157423A (en) | 2000-11-20 | 2002-05-31 | Internatl Scient:Kk | E financial gift card |
US7092905B2 (en) | 2000-11-21 | 2006-08-15 | Citibank, N.A. | Systems and methods for the processing of financial transactions |
US20020099586A1 (en) | 2000-11-22 | 2002-07-25 | National Britannia Group Ltd. | Method, system, and computer program product for risk assessment and risk management |
US6631849B2 (en) | 2000-12-06 | 2003-10-14 | Bank One, Delaware, National Association | Selectable multi-purpose card |
US7433829B2 (en) | 2000-12-12 | 2008-10-07 | Jpmorgan Chase Bank, N.A. | System and method for managing global risk |
WO2002048846A2 (en) * | 2000-12-14 | 2002-06-20 | Quizid Technologies Limited | An authentication system |
US7295999B1 (en) | 2000-12-20 | 2007-11-13 | Jpmorgan Chase Bank, N.A. | System and method for determining eligibility and enrolling members in various programs |
US20020082990A1 (en) | 2000-12-22 | 2002-06-27 | J.J. & Associates Inc. | Method of invoice presentation and payment |
USD462477S1 (en) | 2001-01-08 | 2002-09-03 | Special Efx Limited | Night light holder |
US20020095365A1 (en) | 2001-01-16 | 2002-07-18 | The Chase Manhattan Bank | Corporate products trading marketplace |
US20020111916A1 (en) | 2001-02-12 | 2002-08-15 | Coronna Mark S. | Payment management |
US7689502B2 (en) | 2001-02-12 | 2010-03-30 | Capital One Financial Corporation | System and method for providing extra lines of credit |
US20020116330A1 (en) | 2001-02-21 | 2002-08-22 | Hed Aharon Zeev | Wireless communicating credit card |
US7778920B2 (en) | 2001-03-20 | 2010-08-17 | American Express Travel Related Services Company, Inc. | Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account |
US6505095B1 (en) * | 2001-06-19 | 2003-01-07 | Usa Technologies, Inc. | System for providing remote audit, cashless payment, and interactive transaction capabilities in a vending machine |
US20020143703A1 (en) | 2001-03-28 | 2002-10-03 | Ahmad Razvan | Internet cash card |
WO2002079907A2 (en) * | 2001-03-29 | 2002-10-10 | Accenture Llp | Overall risk in a system |
US7165052B2 (en) | 2001-03-31 | 2007-01-16 | First Data Corporation | Payment service method and system |
US7107249B2 (en) | 2001-03-31 | 2006-09-12 | First Data Corporation | Electronic identifier payment systems and methods |
US7089503B1 (en) | 2001-04-04 | 2006-08-08 | Fannie Mae | Mortgage loan customization system and process |
US7082416B2 (en) | 2001-04-06 | 2006-07-25 | Karyn Elaine Anderson | Method of using prepaid cash card for making purchases on the world wide web |
US7104443B1 (en) | 2001-04-23 | 2006-09-12 | Debitman Card, Inc. | Method and system for facilitating electronic funds transactions |
US20020165820A1 (en) | 2001-05-04 | 2002-11-07 | Anvekar Dinesh Kashinath | Prepaid electronic cash system with pin vending machines |
US20030154125A1 (en) | 2001-05-23 | 2003-08-14 | International Business Machines Corporation | Pesonalisation of promotional offers |
US7313546B2 (en) | 2001-05-23 | 2007-12-25 | Jp Morgan Chase Bank, N.A. | System and method for currency selectable stored value instrument |
US7249092B2 (en) | 2001-05-29 | 2007-07-24 | American Express Travel Related Services Company, Inc. | System and method for facilitating a subsidiary card account with controlled spending capability |
US6675127B2 (en) | 2001-06-15 | 2004-01-06 | General Electric Company | Computerized systems and methods for managing project issues and risks |
WO2003001468A2 (en) * | 2001-06-21 | 2003-01-03 | Crisis Technologies, Inc. | Method and system for emergency planning and management of a facility |
US7783566B2 (en) | 2001-06-27 | 2010-08-24 | American Express Travel Related Services Company, Inc. | Consolidated payment account system and method |
US6481125B1 (en) | 2001-06-29 | 2002-11-19 | Lawrence N. Pokrasoff | Combination postcard and peel-off sticker |
US7996324B2 (en) | 2001-07-10 | 2011-08-09 | American Express Travel Related Services Company, Inc. | Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia |
WO2003010701A1 (en) * | 2001-07-24 | 2003-02-06 | First Usa Bank, N.A. | Multiple account card and transaction routing |
US6945453B1 (en) * | 2001-08-13 | 2005-09-20 | Bank One Delaware N.A. | System and method for funding a collective account by use of an electronic tag |
US20030046249A1 (en) * | 2001-08-31 | 2003-03-06 | Robert Wu | Prepaid card terminal and method for implementing prepaid cards |
USD468789S1 (en) * | 2001-09-07 | 2003-01-14 | Lenny Arnold | Wheeled body board |
US7357947B2 (en) * | 2001-09-10 | 2008-04-15 | Biomet, Inc. | Bone graft material incorporating demineralized bone matrix and lipids |
US20030074290A1 (en) * | 2001-10-17 | 2003-04-17 | Capital One Financial Corporation | Methods, systems and articles of manufacture for managing delinquent financial accounts |
US6641050B2 (en) | 2001-11-06 | 2003-11-04 | International Business Machines Corporation | Secure credit card |
USD476681S1 (en) | 2001-11-13 | 2003-07-01 | Moosa Easa Moosa Al Amri | Bank check |
US7587354B2 (en) | 2001-11-27 | 2009-09-08 | State Street Corporation | Verification of net asset values |
US6505780B1 (en) | 2001-12-05 | 2003-01-14 | Koninklijke Philips Electronics N.V. | Personalize vehicle settings using RF tags |
US20030110111A1 (en) | 2001-12-07 | 2003-06-12 | Nalebuff Barry J. | Home equity insurance financial product |
USD466929S1 (en) | 2002-01-09 | 2002-12-10 | Temtec, Inc. | Security pass |
USD477359S1 (en) | 2002-01-09 | 2003-07-15 | Temtec, Inc. | Security pass |
USD467271S1 (en) | 2002-01-09 | 2002-12-17 | Temtec, Inc. | Security pass |
USD474235S1 (en) * | 2002-01-09 | 2003-05-06 | Temtec, Inc. | Security pass |
USD467272S1 (en) | 2002-01-09 | 2002-12-17 | Temtec, Inc. | Security pass |
US20030144935A1 (en) | 2002-01-30 | 2003-07-31 | Sobek Michael F. | Methods and systems for processing, accounting, and administration of stored value cards |
US20030163403A1 (en) | 2002-02-01 | 2003-08-28 | Ubs Painewebber Inc. | Method and system for providing a weighted average aggregated accounts report |
US6732919B2 (en) * | 2002-02-19 | 2004-05-11 | Hewlett-Packard Development Company, L.P. | System and method for using a multiple-use credit card |
JP2003248780A (en) | 2002-02-25 | 2003-09-05 | Fujitsu Ltd | Purchase information management system, purchase information anonymization server, and purchase information management method |
US7389275B2 (en) | 2002-03-05 | 2008-06-17 | Visa U.S.A. Inc. | System for personal authorization control for card transactions |
US6557750B1 (en) * | 2002-03-27 | 2003-05-06 | Xtreme Traffic Builders, Inc. | Promotional mailing device |
US20030204421A1 (en) | 2002-04-29 | 2003-10-30 | Value Benefits Insurance Agency, Inc. | Integrated system and method for insurance products |
WO2003093930A2 (en) * | 2002-04-30 | 2003-11-13 | Veridiem Inc. | Marketing optimization system |
US7853468B2 (en) | 2002-06-10 | 2010-12-14 | Bank Of America Corporation | System and methods for integrated compliance monitoring |
US7346567B2 (en) * | 2002-06-21 | 2008-03-18 | Reit Contact, Llc | Conditional fee ownership home financing system and business method |
US20050091138A1 (en) * | 2002-06-28 | 2005-04-28 | Fujitsu Limited | Method and apparatus for processing reward point, and computer product therefor |
US20040215507A1 (en) | 2002-07-03 | 2004-10-28 | Levitt Roger A. | Fully funded reward program |
US7475045B2 (en) | 2002-07-04 | 2009-01-06 | Fujitsu Limited | Transaction system and transaction terminal equipment |
US10395484B2 (en) * | 2002-08-20 | 2019-08-27 | The Western Union Company | Multi-purpose kiosk and methods |
US6805287B2 (en) | 2002-09-12 | 2004-10-19 | American Express Travel Related Services Company, Inc. | System and method for converting a stored value card to a credit card |
US7809595B2 (en) | 2002-09-17 | 2010-10-05 | Jpmorgan Chase Bank, Na | System and method for managing risks associated with outside service providers |
US20040064402A1 (en) * | 2002-09-27 | 2004-04-01 | Wells Fargo Home Mortgage, Inc. | Method of refinancing a mortgage loan and a closing package for same |
US20040098351A1 (en) | 2002-11-15 | 2004-05-20 | Ibgc Corporation | Interest bearing gift card and related methods and systems |
US20050027649A1 (en) | 2003-02-27 | 2005-02-03 | Richard Cech | Event typer |
USD485573S1 (en) * | 2003-03-13 | 2004-01-20 | Robert Shu Keung Li | Combined business card with bar code, laser punched holes and radio frequency IC |
US20040251679A1 (en) | 2003-04-14 | 2004-12-16 | Brignull Kim B. | Cards and kits for use in alerting others that animals are in need of care |
USD495736S1 (en) | 2003-05-19 | 2004-09-07 | David R. Scharf | Postcard form for maintaining privacy of information contained thereon |
US20040249752A1 (en) * | 2003-06-06 | 2004-12-09 | Impact Consulting & Management | Charity funding method using an open-ended stored-value card |
USD505450S1 (en) * | 2003-07-22 | 2005-05-24 | Target Brands, Inc. | Credit or stored value card with wood layer |
US20050021457A1 (en) * | 2003-07-25 | 2005-01-27 | Johnson A. Wayne | Financial account up-front incentives management system and method |
US20050021353A1 (en) * | 2003-07-25 | 2005-01-27 | American Express Travel Related Services Company, Inc. | Donation system and method |
US20050033637A1 (en) * | 2003-08-06 | 2005-02-10 | Underwood Kenneth Lee | Bill payment incentives system |
US8239323B2 (en) * | 2003-09-23 | 2012-08-07 | Jpmorgan Chase Bank, N.A. | Method and system for distribution of unactivated bank account cards |
WO2005048145A1 (en) * | 2003-10-13 | 2005-05-26 | Starbucks Corporation D/B/A Starbucks Coffee Company | Dual card |
US20060085334A1 (en) * | 2004-10-14 | 2006-04-20 | Murphy Kevin M | Dynamic financial liability management |
US20050108152A1 (en) * | 2003-10-16 | 2005-05-19 | Michael Tsoa-Lee | Financial brokering method |
US7720757B2 (en) * | 2003-11-12 | 2010-05-18 | Compucredit Intellectual Property Holdings Corp. Ii | System and method for providing a credit account for debt recovery |
MY143206A (en) | 2004-02-03 | 2011-03-31 | Pfizer Italia Srl | 1h-thieno 2,3-c pyrazole derivatives useful as kinase i inhibitors |
US7243839B2 (en) | 2004-03-12 | 2007-07-17 | American Express Travel Related Services Company, Inc. | Systems, methods, and devices for selling transaction instruments |
USD533220S1 (en) | 2004-05-07 | 2006-12-05 | E2Interactive, Inc. | Card assembly with vertical magnetic stripes |
WO2005114523A2 (en) | 2004-05-18 | 2005-12-01 | Air-Bank Llc | A multiple-network system and method for loading, transferring and redeeming value through stored value accounts |
US7324976B2 (en) * | 2004-07-19 | 2008-01-29 | Amazon Technologies, Inc. | Automatic authorization of programmatic transactions |
US7752063B2 (en) * | 2004-07-29 | 2010-07-06 | Swiss Reinsurance Company | Method and system for securitizing mortality risk |
US7392222B1 (en) | 2004-08-03 | 2008-06-24 | Jpmorgan Chase Bank, N.A. | System and method for providing promotional pricing |
US20060047573A1 (en) * | 2004-08-26 | 2006-03-02 | True Resources, Llc | Coupon and sweepstakes dispensing system and method of use |
US20060047589A1 (en) * | 2004-08-30 | 2006-03-02 | Mr. Edward Grau | Investment program contribution system |
US20060074794A1 (en) * | 2004-09-29 | 2006-04-06 | Freddie Mac | Method, system, and computer program product for structuring and allocating payments on a loan with secured repayments |
US20060106696A1 (en) * | 2004-11-12 | 2006-05-18 | International Business Machines Corporation | Account transfer using a single financial account |
US20060116903A1 (en) | 2004-11-30 | 2006-06-01 | Assurant Solutions | Systems and methods for providing insurance coverage to a customer |
US8001024B2 (en) | 2004-12-08 | 2011-08-16 | Corelogic Information Solutions, Inc. | Method and apparatus for testing automated valuation models |
US20060224480A1 (en) | 2005-03-29 | 2006-10-05 | Reserve Solutions, Inc. | Systems and methods for loan management with variable security arrangements |
US20060242057A1 (en) | 2005-04-20 | 2006-10-26 | Carlo Velarde | Method and loan for financing a property expense increase associated with rising property value |
US7351012B2 (en) | 2005-05-03 | 2008-04-01 | 9031-1671 Quebec Inc. | Rotational drive apparatus for screw pilings |
USD538349S1 (en) * | 2005-05-20 | 2007-03-13 | Licensys Pty Ltd | Number plate |
US7401731B1 (en) | 2005-05-27 | 2008-07-22 | Jpmorgan Chase Bank, Na | Method and system for implementing a card product with multiple customized relationships |
USD551705S1 (en) | 2006-02-03 | 2007-09-25 | Mershon Randolph J | Magnetic, sandwich-type bookmark |
US20080177659A1 (en) | 2007-01-19 | 2008-07-24 | Timothy Douglas Lacey | Systems and methods for providing financial processing in conjunction with instant messaging and other communications |
-
1998
- 1998-11-17 US US09/193,712 patent/US6032136A/en not_active Expired - Lifetime
-
2000
- 2000-02-16 US US09/505,189 patent/US6865547B1/en not_active Expired - Lifetime
-
2003
- 2003-02-20 US US10/370,227 patent/US7072864B2/en not_active Expired - Lifetime
- 2003-07-11 US US10/618,249 patent/US20040024672A1/en not_active Abandoned
-
2004
- 2004-08-13 US US10/917,885 patent/US7707111B2/en not_active Expired - Lifetime
-
2005
- 2005-05-20 US US11/134,638 patent/US7263507B1/en not_active Expired - Lifetime
-
2007
- 2007-07-30 US US11/830,450 patent/US20080021826A1/en not_active Abandoned
- 2007-07-30 US US11/830,447 patent/US20080021820A1/en not_active Abandoned
Patent Citations (99)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US3634669A (en) * | 1969-07-16 | 1972-01-11 | Aero Flow Dynamics Inc | Analog computation of insurance and investment quantities |
US3946206A (en) * | 1974-08-21 | 1976-03-23 | R. D. Products, Inc. | Magnetic-type information card and method and apparatus for encoding and reading |
US4582985A (en) * | 1981-03-18 | 1986-04-15 | Loefberg Bo | Data carrier |
US5612868A (en) * | 1984-07-18 | 1997-03-18 | Catalina Marketing International, Inc | Method and apparatus for dispensing discount coupons |
US4746787A (en) * | 1984-07-20 | 1988-05-24 | Oki Electric Industry Co., Ltd. | IC card with display and card recording and reading device |
USRE34915E (en) * | 1984-11-26 | 1995-04-25 | Coupco, Inc. | Paperless system for distributing, redeeming and clearing merchandise coupons |
US4634845A (en) * | 1984-12-24 | 1987-01-06 | Ncr Corporation | Portable personal terminal for use in a system for handling transactions |
US4831242A (en) * | 1985-09-12 | 1989-05-16 | Bally Manufacturing Corporation | Control system for health club facilities and equipment |
US4831526A (en) * | 1986-04-22 | 1989-05-16 | The Chubb Corporation | Computerized insurance premium quote request and policy issuance system |
US4908521A (en) * | 1987-01-06 | 1990-03-13 | Visa International Service Association | Transaction approval system |
US4822985A (en) * | 1987-01-06 | 1989-04-18 | Visa International Service Association | Transaction approval system |
US5884285A (en) * | 1987-04-15 | 1999-03-16 | Proprietary Financial Products, Inc. | System for managing financial accounts by reallocating funds among accounts |
US5864828A (en) * | 1987-04-15 | 1999-01-26 | Proprietary Financial Products, Inc. | Personal financial management system for creation of a client portfolio of investment and credit facilities where funds are distributed based on a preferred allocation |
US5875437A (en) * | 1987-04-15 | 1999-02-23 | Proprietary Financial Products, Inc. | System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing |
US4923288A (en) * | 1987-05-21 | 1990-05-08 | The British Petroleum Company P.L.C. | Optical modulators based on polymers |
US4897533A (en) * | 1987-07-07 | 1990-01-30 | National Business Systems, Inc. | Credit card and method of making the same |
US6195644B1 (en) * | 1987-07-08 | 2001-02-27 | Stuart S. Bowie | Computer program and system for credit card companies for recording and processing bonus credits issued to card users |
US4906826A (en) * | 1988-09-19 | 1990-03-06 | Visa International Service Association | Usage promotion method for payment card transaction system |
US5117355A (en) * | 1989-01-27 | 1992-05-26 | Mccarthy Patrick D | Centralized consumer cash valve accumulation system for multiple merchants |
US5202826A (en) * | 1989-01-27 | 1993-04-13 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
US5287268A (en) * | 1989-01-27 | 1994-02-15 | Mccarthy Patrick D | Centralized consumer cash value accumulation system for multiple merchants |
US5276311A (en) * | 1989-03-01 | 1994-01-04 | Hartmut Hennige | Method and device for simplifying the use of a plurality of credit cards, or the like |
US4992940A (en) * | 1989-03-13 | 1991-02-12 | H-Renee, Incorporated | System and method for automated selection of equipment for purchase through input of user desired specifications |
US5080748A (en) * | 1989-03-14 | 1992-01-14 | Bostec Systems, Inc. | Card assembly apparatus |
US5399502A (en) * | 1989-04-20 | 1995-03-21 | Cambridge Display Technology Limited | Method of manufacturing of electrolumineschent devices |
US5621812A (en) * | 1989-05-01 | 1997-04-15 | Credit Verification Corporation | Method and system for building a database for use with selective incentive marketing in response to customer shopping histories |
US5592560A (en) * | 1989-05-01 | 1997-01-07 | Credit Verification Corporation | Method and system for building a database and performing marketing based upon prior shopping history |
US5095194A (en) * | 1989-10-12 | 1992-03-10 | Joseph Barbanell | Holographic credit card with automatical authentication and verification |
US6045042A (en) * | 1989-10-24 | 2000-04-04 | Mitsubishi Denki Kabushiki Kaisha | Non-contact IC card having multiple receivers with different signal detection threshholds for minimizing current consumption |
US5192947A (en) * | 1990-02-02 | 1993-03-09 | Simon Neustein | Credit card pager apparatus |
US5180901A (en) * | 1990-05-21 | 1993-01-19 | Kabushiki Kaisha Toshiba | IC card with individual authentication function |
US5287269A (en) * | 1990-07-09 | 1994-02-15 | Boardwalk/Starcity Corporation | Apparatus and method for accessing events, areas and activities |
US5401827A (en) * | 1990-08-24 | 1995-03-28 | Cambridge Display Technology Limited | Semiconductive copolymers for use in luminescent devices |
US5512654A (en) * | 1990-08-24 | 1996-04-30 | Cambridge Display Technology Limited | Semiconductive copolymers for use in luminescent devices |
US5500514A (en) * | 1991-03-05 | 1996-03-19 | The Gift Certificate Center | Method and apparatus for generating gift certificates |
US5206803A (en) * | 1991-03-15 | 1993-04-27 | Vitagliano Francis M | System for enhanced management of pension-backed credit |
US5383113A (en) * | 1991-07-25 | 1995-01-17 | Checkfree Corporation | System and method for electronically providing customer services including payment of bills, financial analysis and loans |
US5297026A (en) * | 1992-01-03 | 1994-03-22 | Frank Hoffman | System for promoting account activity |
US6041315A (en) * | 1992-10-15 | 2000-03-21 | Autoscribe Corporation | Automated payment system and method |
US5483445A (en) * | 1992-10-22 | 1996-01-09 | American Express Trs | Automated billing consolidation system and method |
US5311594A (en) * | 1993-03-26 | 1994-05-10 | At&T Bell Laboratories | Fraud protection for card transactions |
US5870721A (en) * | 1993-08-27 | 1999-02-09 | Affinity Technology Group, Inc. | System and method for real time loan approval |
US5608785A (en) * | 1993-09-23 | 1997-03-04 | Lucent Technologies Inc. | Method and apparatus for telephone prize opportunities |
US5483444A (en) * | 1993-10-26 | 1996-01-09 | Radisson Hotels International, Inc. | System for awarding credits to persons who book travel-related reservations |
US5397881A (en) * | 1993-11-22 | 1995-03-14 | Mannik; Kallis H. | Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card owner |
US5710458A (en) * | 1993-12-20 | 1998-01-20 | Kabushiki Kaisha Toshiba | Card like semiconductor device |
US5729693A (en) * | 1993-12-28 | 1998-03-17 | Lucent Technologies, Inc. | System and method to automatically provide an electronic consumer rebate |
US5521363A (en) * | 1994-02-16 | 1996-05-28 | Tannenbaum; David H. | System and method for tracking memory card transactions |
US5511114A (en) * | 1994-06-06 | 1996-04-23 | Call Processing, Inc. | Telephone pre-paid calling card system and method |
US5721768A (en) * | 1994-06-06 | 1998-02-24 | Call Processing, Inc. | Pre-paid card system and method |
US5513102A (en) * | 1994-06-28 | 1996-04-30 | Auriemma Consulting Group, Inc. | Data processing methods of implementing an award to an authorized user of a credit card |
US5857079A (en) * | 1994-12-23 | 1999-01-05 | Lucent Technologies Inc. | Smart card for automatic financial records |
US5745706A (en) * | 1994-12-30 | 1998-04-28 | Wolfberg; Larry | Computer system and related equipment for spending and investment account management |
US5742775A (en) * | 1995-01-18 | 1998-04-21 | King; Douglas L. | Method and apparatus of creating financial instrument and administering an adjustable rate loan system |
US5604542A (en) * | 1995-02-08 | 1997-02-18 | Intel Corporation | Using the vertical blanking interval for transporting electronic coupons |
US5482139A (en) * | 1995-02-16 | 1996-01-09 | M.A. Rivalto Inc. | Automated drive-up vending facility |
US5710889A (en) * | 1995-02-22 | 1998-01-20 | Citibank, N.A. | Interface device for electronically integrating global financial services |
US5715399A (en) * | 1995-03-30 | 1998-02-03 | Amazon.Com, Inc. | Secure method and system for communicating a list of credit card numbers over a non-secure network |
US5734838A (en) * | 1995-05-04 | 1998-03-31 | American Savings Bank, F.A. | Database computer architecture for managing an incentive award program and checking float of funds at time of purchase |
US5708422A (en) * | 1995-05-31 | 1998-01-13 | At&T | Transaction authorization and alert system |
US5749075A (en) * | 1995-06-06 | 1998-05-05 | Interactive Media Works, L.L.C. | Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards |
US5710886A (en) * | 1995-06-16 | 1998-01-20 | Sellectsoft, L.C. | Electric couponing method and apparatus |
US5736728A (en) * | 1995-08-25 | 1998-04-07 | Mitsubishi Electric Semiconductor Software Co., Ltd. | Non contact IC card and a non contact IC card system |
US5710887A (en) * | 1995-08-29 | 1998-01-20 | Broadvision | Computer system and method for electronic commerce |
US5721781A (en) * | 1995-09-13 | 1998-02-24 | Microsoft Corporation | Authentication system and method for smart card transactions |
US5621787A (en) * | 1995-09-13 | 1997-04-15 | Bell Atlantic Network Services, Inc. | Prepaid cash card |
US5859419A (en) * | 1995-09-28 | 1999-01-12 | Sol H. Wynn | Programmable multiple company credit card system |
US6036099A (en) * | 1995-10-17 | 2000-03-14 | Leighton; Keith | Hot lamination process for the manufacture of a combination contact/contactless smart card and product resulting therefrom |
US6016482A (en) * | 1996-01-11 | 2000-01-18 | Merrill Lynch & Co., Inc. | Enhanced collateralized funding processor |
US5870718A (en) * | 1996-02-26 | 1999-02-09 | Spector; Donald | Computer-printer terminal for producing composite greeting and gift certificate card |
US6016954A (en) * | 1996-02-28 | 2000-01-25 | Hitachi, Ltd. | Card holder-type balance reader |
US5737421A (en) * | 1996-03-22 | 1998-04-07 | Activcard | System for controlling access to a function having clock synchronization |
US5887065A (en) * | 1996-03-22 | 1999-03-23 | Activcard | System and method for user authentication having clock synchronization |
US5728998A (en) * | 1996-03-29 | 1998-03-17 | Motorola, Inc. | Secure smart card reader with virtual image display and pull-down options |
US6014645A (en) * | 1996-04-19 | 2000-01-11 | Block Financial Corporation | Real-time financial card application system |
US6014638A (en) * | 1996-05-29 | 2000-01-11 | America Online, Inc. | System for customizing computer displays in accordance with user preferences |
US20040030626A1 (en) * | 1996-06-10 | 2004-02-12 | Libman Richard M. | System, method, and computer program product for selecting and presenting financial products and services |
US20040039588A1 (en) * | 1996-06-10 | 2004-02-26 | Libman Richard M. | System, method, and computer program product for selecting and presenting financial products and services |
US6070147A (en) * | 1996-07-02 | 2000-05-30 | Tecmark Services, Inc. | Customer identification and marketing analysis systems |
US5734154A (en) * | 1996-09-03 | 1998-03-31 | Motorola, Inc. | Smart card with Iintegrated reader and visual image display |
US5884278A (en) * | 1997-02-11 | 1999-03-16 | Powell; Ken R. | Retail store and method employing multiple network interfaces at each cash register, and receiving signals from portable cards at each cash register |
US5864830A (en) * | 1997-02-13 | 1999-01-26 | Armetta; David | Data processing method of configuring and monitoring a satellite spending card linked to a host credit card |
US6014636A (en) * | 1997-05-06 | 2000-01-11 | Lucent Technologies Inc. | Point of sale method and system |
US6065675A (en) * | 1997-06-30 | 2000-05-23 | Cardis Enterprise International N.V. | Processing system and method for a heterogeneous electronic cash environment |
US6189787B1 (en) * | 1997-07-10 | 2001-02-20 | Robert E. Dorf | Multifunctional card system |
US6049463A (en) * | 1997-07-25 | 2000-04-11 | Motorola, Inc. | Microelectronic assembly including an antenna element embedded within a polymeric card, and method for forming same |
US6026370A (en) * | 1997-08-28 | 2000-02-15 | Catalina Marketing International, Inc. | Method and apparatus for generating purchase incentive mailing based on prior purchase history |
US6070153A (en) * | 1997-11-21 | 2000-05-30 | Simpson; Mark S. | System and method for automatically investing a portion of a credit card interest charged amount in an investment account |
US6038552A (en) * | 1997-12-10 | 2000-03-14 | The Chase Manhattan Bank | Method and apparatus to process combined credit and debit card transactions |
US6202053B1 (en) * | 1998-01-23 | 2001-03-13 | First Usa Bank, Na | Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants |
US6019284A (en) * | 1998-01-27 | 2000-02-01 | Viztec Inc. | Flexible chip card with display |
US6029139A (en) * | 1998-01-28 | 2000-02-22 | Ncr Corporation | Method and apparatus for optimizing promotional sale of products based upon historical data |
US6029890A (en) * | 1998-06-22 | 2000-02-29 | Austin; Frank | User-Specified credit card system |
US6032136A (en) * | 1998-11-17 | 2000-02-29 | First Usa Bank, N.A. | Customer activated multi-value (CAM) card |
US6373969B1 (en) * | 1999-03-15 | 2002-04-16 | Activcard Ireland, Limited | Corrective optical component |
US6227447B1 (en) * | 1999-05-10 | 2001-05-08 | First Usa Bank, Na | Cardless payment system |
US6341724B2 (en) * | 1999-05-10 | 2002-01-29 | First Usa Bank, Na | Cardless payment system |
US6386444B1 (en) * | 1999-07-30 | 2002-05-14 | First Usa Bank, N.A. | System and methods for card payment instrument with rebate applied to an insurance premium |
US6345261B1 (en) * | 1999-09-21 | 2002-02-05 | Stockback Holdings, Inc. | Customer loyalty investment program |
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7848977B2 (en) * | 2005-05-09 | 2010-12-07 | First Data Corporation | Private label purchase card acceptance systems and methods |
US20090198612A1 (en) * | 2008-01-31 | 2009-08-06 | Andrew Meimes | Non-credit account credit rating |
US8165940B2 (en) * | 2008-01-31 | 2012-04-24 | Visa U.S.A. Inc. | Non-credit account credit rating |
US20100042541A1 (en) * | 2008-08-12 | 2010-02-18 | Kang Gyeong-Soo | Financial transaction service system and method |
Also Published As
Publication number | Publication date |
---|---|
US20050086167A1 (en) | 2005-04-21 |
US7072864B2 (en) | 2006-07-04 |
US20040024672A1 (en) | 2004-02-05 |
US7707111B2 (en) | 2010-04-27 |
US7263507B1 (en) | 2007-08-28 |
US20080021820A1 (en) | 2008-01-24 |
US20030135462A1 (en) | 2003-07-17 |
US6032136A (en) | 2000-02-29 |
US6865547B1 (en) | 2005-03-08 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US7660763B1 (en) | Customer activated multi-value (CAM) card | |
US6032136A (en) | Customer activated multi-value (CAM) card | |
US7774274B2 (en) | Payment card processing system and methods | |
US7130828B2 (en) | Debit purchasing of stored value card for use by and/or delivery to others | |
US7756789B2 (en) | Method and system for debt recovery | |
US7747463B1 (en) | Debit purchasing of stored value card for use by and/or delivery to others | |
US7445150B2 (en) | Pre-paid credit card | |
GB2376787A (en) | Converting stored value card into credit card | |
KR20080074039A (en) | Value insertion using bill pay card preassociated with biller | |
WO2005033997A1 (en) | Payment card processing system and methods | |
AU2003262344B8 (en) | Payment card processing system and methods |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |