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Method and system for building a database and performing marketing based upon prior shopping history 원문보기

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06K-009/00
출원번호 US-0886385 (1992-05-19)
발명자 / 주소
  • Deaton David W. (Abilene) Gabriel Rodney G. (Abilene TX)
출원인 / 주소
  • Credit Verification Corporation (Abilene TX 02)
인용정보 피인용 횟수 : 434  인용 특허 : 0

초록

A method and system is disclosed for performing targeted marketing on infrequent shoppers. A check reader is provided for automatically reading the MICR code of a plurality of checks drawn on a plurality of different banking institutions. Circuitry detects the customer\s checking account number in t

대표청구항

A method of building a customer database using checks from a variety of different banks comprising: detecting a customer\s checking account identification number for use as a unique customer identification code; entering the unique customer identification code into a processor containing a database

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  189. Katz, Ronald A.; West, Gary L.; Barker, Thomas B., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  190. Katz,Ronald A.; West,Gary L.; Barker,Thomas B., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  191. Strubbe, Todd B.; Adornato, Rocco L., Methods and apparatus for intelligent selection of goods and services offered to conferees.
  192. Strubbe, Todd B; Adornato, Rocco L, Methods and apparatus for intelligent selection of goods and services offered to conferees.
  193. Strubbe,Todd B.; Adornato,Rocco L., Methods and apparatus for intelligent selection of goods and services offered to conferees.
  194. Katz,Ronald A.; West,Gary L.; Barker,Thomas B., Methods and apparatus for intelligent, purpose-based selection of goods and services in telephonic and electronic commerce.
  195. Katz, Ronald A.; West, Gary L.; Barker, Thomas B., Methods and system for providing offers in real time while preserving confidential information.
  196. Mussman, David C.; Adornato, Rocco L.; Barker, Thomas B.; Katz, Ronald A; West, Gary L., Methods and system for providing real time offers to a user based on obsolescence of possessed items.
  197. Musumeci, Gian-Paolo; Wehner, Kristopher C., Methods and systems for caching data using behavioral event correlations.
  198. Musumeci, Gian-Paolo; Wehner, Kristopher C., Methods and systems for caching data using behavioral event correlations.
  199. Musumeci, Gian-Paolo; Wehner, Kristopher C., Methods and systems for caching data using behavioral event correlations.
  200. Musumeci, Gian-Paolo; Wehner, Kristopher C., Methods and systems for caching data using behavioral event correlations.
  201. King, Martin T.; Grover, Dale L.; Kushler, Clifford A.; Stafford-Fraser, James Q., Methods and systems for initiating application processes by data capture from rendered documents.
  202. Templeton Randy Joe (Bellaire TX) Gulden Gerald (Houston TX), Methods and systems for interactive check authorizations.
  203. Mussman,David C., Methods, computer-readable media, and apparatus for offering users a plurality of scenarios under which to conduct at least one primary transaction.
  204. Strubbe, Todd B.; Mussman, David C.; Adornato, Rocco L., Methods, media, and apparatus for intelligent selection of items encoded onto portable machine-readable entertainment media.
  205. Rane, Rajendra; Juang, David; Alvarez, Eduardo J.; Fasillo, Iwao, Multidimensional personal behavioral tomography.
  206. Rane, Rajendra; Juang, David; Alvarez, Eduardo J.; Fusillo, Iwao, Multidimensional personal behavioral tomography.
  207. Kilger, Max; Fetto, Jr., John Alfred; Algranati, David, Multimedia engagement study.
  208. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  209. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  210. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  211. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  212. Main, Renee; Semersky, David J.; Miller, Nissa; Pozorski, Lara J.; Ampe, Edward C.; Samal, Subodh K.; Hamilton, Scott R., Multiple offer coupon.
  213. Kopra, Toni, Navigation aware news service.
  214. Kopra, Toni, Navigation aware news service.
  215. Koakutsu, Naohiko, Negotiable instrument processing device, negotiable instrument processing method and negotiable instrument processing system.
  216. Rybicki,Stephen G., Notification protocol for establishing synchronization mode for use in synchronizing databases.
  217. Joseph L. Levasseur, Off-line credit card transaction system and method for vending machines.
  218. McGhie, Sean I.; Buchheit, Brian K., Online shopping sites for redeeming loyalty points.
  219. King, Martin T.; Mannby, Claes-Fredrik; Arends, Thomas C.; Bajorins, David P.; Fox, Daniel C., Optical scanners, such as hand-held optical scanners.
  220. Thomas, Tracey R.; Ferrell, Raymond R., Pay yourself first budgeting.
  221. Thomas, Tracey R., Pay yourself first with auto bill pay system and method.
  222. Thomas, Tracey R., Pay yourself first with user guidance.
  223. King, Martin T.; Stephens, Redwood; Mannby, Claes-Fredrik; Peterson, Jesse; Sanvitale, Mark; Smith, Michael J., Performing actions based on capturing information from rendered documents, such as documents under copyright.
  224. King, Martin T.; Stephens, Redwood; Mannby, Claes-Fredrik; Peterson, Jesse; Sanvitale, Mark; Smith, Michael J., Performing actions based on capturing information from rendered documents, such as documents under copyright.
  225. Tokorotani, Mitsuhiro, Point of sale apparatus.
  226. Deaton, David W.; Gabriel, Rodney G., Point-of-sale server and method.
  227. Deaton,David W.; Gabriel,Rodney G., Point-of-sale server and method.
  228. King, Martin T.; Grover, Dale L.; Kushler, Clifford A.; Stafford-Fraser, James Q., Portable scanning device.
  229. Walker, Jay S.; Tedesco, Daniel E.; Fincham, Magdalena M., Pre-sale data broadcast system and method.
  230. Walker, Jay S.; Tedesco, Daniel E.; Fincham, Magdalena M., Pre-sale data broadcast system and method.
  231. Walker, Jay S.; Tedesco, Daniel E.; Mik, Magdalena, Pre-sale data broadcast system and method.
  232. Walker, Jay. S; Tedesco, Daniel E.; Mik, Magdalena, Pre-sale data broadcast system and method.
  233. Walker,Jay. S; Tedesco,Daniel E.; Mik,Magdalena, Pre-sale data broadcast system and method.
  234. Michael A. Lazarus ; A. U. Mattias Blume ; Kenneth B. Brown ; William R. Caid ; Ted E. Dunning ; Larry S. Peranich ; Gerald R. Russell ; Kevin L. Sitze, Predictive modeling of consumer financial behavior.
  235. Blume, Matthias; Lazarus, Michael A.; Peranich, Larry S.; Vernhes, Frederique; Brown, Kenneth B.; Caid, William R.; Dunning, Ted E.; Russell, Gerald R.; Sitze, Kevin L., Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching.
  236. Blume, Matthias; Lazarus, Michael A.; Peranich, Larry S.; Vernhes, Frederique; Caid, William R.; Dunning, Ted E.; Russell, Gerald R.; Sitze, Kevin L., Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching.
  237. Blume, Matthias; Lazarus, Michael A.; Peranich, Larry S.; Vernhes, Frederique; Caid, William R.; Dunning, Ted E.; Russell, Gerald S.; Sitze, Kevin L., Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching.
  238. Lazarus, Michael; Peranich, Larry S.; Vernhes, Frederique; Blume, A. U. Matthias; Caid, William R.; Dunning, Ted E.; Russell, Gerald R.; Sitze, Kevin, Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching.
  239. Lazarus,Michael A.; Peranich,Larry S.; Vernhes,Frederique; Blume,A. U. Mattias; Brown,Kenneth B.; Caid,William R.; Dunning,Ted E.; Russell,Gerald R.; Sitze,Kevin L., Predictive modeling of consumer financial behavior using supervised segmentation and nearest-neighbor matching.
  240. Wasser, Jeremy; Felice-Steele, Michelle; Nies, Melinda; Giltner, Luke, Presentation of credit score factors.
  241. Lehman, Guy P.; Chauhan, Neel; Benvenuto, Andres; Ziff, Perry, Process and system for automated collection of business information from a business entity's accounting system.
  242. Giuliani John A., Process, system and computer readable medium for in-store printing of discount coupons and/or other purchasing incentives in various departments within a retail store.
  243. King, Martin T.; Grover, Dale L.; Kushler, Clifford A.; Stafford-Fraser, James Q., Processing techniques for text capture from a rendered document.
  244. King, Martin Towle; Grover, Dale L.; Kushler, Clifford A.; Stafford-Fraser, James Quentin, Processing techniques for text capture from a rendered document.
  245. King, Martin T.; Kushler, Clifford A.; Stafford-Fraser, James Q.; Grover, Dale L., Processing techniques for visual capture data from a rendered document.
  246. Walker, Jay S.; Tedesco, Daniel E.; Alderucci, Dean P., Products and processes for managing the prices of vending machine inventory.
  247. Walker, Jay S.; Breitenbach, Paul T.; Tedesco, Daniel E.; Lee, Sih Y.; Signorelli, Paul D.; Gelman, Geoffrey M.; Jorasch, James A., Products and processes for vending a plurality of products.
  248. Walker, Jay S.; Breitenbach, Paul T.; Tedesco, Daniel E.; Lee, Sih Y.; Signorelli, Paul D.; Gelman, Geoffrey M.; Jorasch, James A., Products and processes for vending a plurality of products via defined groups.
  249. Walker, Jay S.; Breitenbach, Paul T.; Tedesco, Daniel E.; Lee, Sih Y.; Signorelli, Paul D.; Gelman, Geoffrey M.; Jorasch, James A., Products and processes for vending a plurality of products via defined groups.
  250. Walker,Jay S.; Breitenbach,Paul T.; Tedesco,Daniel E.; Lee,Sih Y.; Signorelli,Paul D.; Gelman,Geoffrey M.; Jorasch,James A., Products and processes for vending a plurality of products via defined groups.
  251. Tai, Roland D., Promotion on processor and management system.
  252. Tai, Roland D., Promotion processor and management system.
  253. Tai, Roland D., Promotion processor and management system.
  254. Chou Paul B. ; Grossman Edna ; Gunopulos Dimitrios ; Kamesam Pasumarti V., Prospective customer selection using customer and market reference data.
  255. Herz, Frederick S. M., Providing customized electronic information.
  256. King, Martin T.; Grover, Dale L.; Kushler, Clifford A.; Stafford-Fraser, James Q., Publishing techniques for adding value to a rendered document.
  257. Eldering, Charles A.; Flickinger, Gregory C.; Schlack, John A.; Blasko, John P., Queue based advertisement scheduling and sales.
  258. Eldering, Charles A.; Flickinger, Gregory C.; Schlack, John A.; Blasko, John P., Queue based advertisement scheduling and sales.
  259. Eldering, Charles A.; Flickinger, Gregory C.; Schlack, John A.; Blasko, John P., Queue based advertisement scheduling and sales.
  260. Eldering, Charles A.; Flickinger, Gregory C.; Schlack, John A.; Blasko, John P., Queue based advertisement scheduling and sales.
  261. Jokinen,Jukka V.; Blants,Lioudmila; Pitk��nen,Risto; Pienim��ki,Sami; Mattila,Jouka; Suomela,Riku, Real-time wireless e-coupon (promotion) definition based on available segment.
  262. Gangi, Frank Joseph, Retail point-of-transaction system, program products, and related methods to provide a customized set of identification data to facilitate a transaction using electronic coupons.
  263. McGhie, Sean I.; Buchheit, Brian K., Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds.
  264. McGhie, Sean I.; Buchheit, Brian K., Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds.
  265. King, Martin T.; Grover, Dale L.; Kushler, Clifford A.; Stafford-Fraser, James Q., Search engines and systems with handheld document data capture devices.
  266. King, Martin T.; Grover, Dale L.; Kushler, Clifford A.; Stafford-Fraser, James Q., Search engines and systems with handheld document data capture devices.
  267. King, Martin T.; Grover, Dale L.; Kushler, Clifford A.; Stafford-Fraser, James Q., Secure data gathering from rendered documents.
  268. Herz, Frederick S. M.; Labys, Walter Paul; Parkes, David C.; Kannan, Sampath; Eisner, Jason M., Secure data interchange.
  269. Katz, Ronald A., Security monitoring system with combined video and graphics display.
  270. Katz, Ronald A., Security monitoring system with flexible monitoring sequence.
  271. Katz, Ronald A., Security monitoring system with image comparison of monitored location.
  272. McGhie, Sean I.; Buchheit, Brian K., Self-service stations for utilizing non-negotiable credits earned from a game of chance.
  273. Chamberlain, Simon; Giles, Harley; Lientz, Andrew, Service for associating network users with profiles.
  274. Chamberlain, Simon; Giles, Harley; Lientz, Andrew, Service for associating network users with profiles.
  275. Walsh, Richard E; Siska, David P, Service request orchestrator with smart meters.
  276. Metsker, Steven; Abbott, Benjamin F.; Grantham, Richard; Johnston, David, Solicitation to web marketing loop process.
  277. Gillespie, Adam Thomas; Wardhaugh, Tyler Glendon, Subscriber list system and method.
  278. Boothby,David J., Synchronization of databases with record sanitizing and intelligent comparison.
  279. Boothby, David J., Synchronization of recurring records in incompatible databases.
  280. Boothby, David J., Synchronizing databases.
  281. Boothby,David J., Synchronizing databases.
  282. de Boer, Elts; Jackson, Glyn Philip; Ramsey, Samuel Martin; Voltmer, Theodore S., System and method for a merchant loyalty system.
  283. de Boer, Elts; Jackson, Glyn Philip; Ramsey, Samuel Martin; Voltmer, Theodore S., System and method for a merchant loyalty system.
  284. Celka, Christopher J.; Rojas, Cristian R., System and method for automated detection of never-pay data sets.
  285. Celka, Christopher J.; Rojas, Cristian R., System and method for automated detection of never-pay data sets.
  286. Libman, Richard Marc, System and method for automated generation of communications involving products or services.
  287. Libman, Richard Marc, System and method for automated generation of communications involving products or services.
  288. Blasko, John P.; Eldering, Charles A., System and method for automatically managing avail inventory data and avail pricing.
  289. Alarcon-Luther, Melissa; Fellner, Debra C.; Sabloff, Barry M.; Schell, III, Frank Charles; Mesrobian, Peter Mark; Griffin, Ginger; Dorion, Michelle; Karris, Gus, System and method for currency selectable stored value instrument.
  290. Schlack, John A., System and method for delivering statistically scheduled advertisements.
  291. Rissanen,Jussi; Tanskanene,Erkki; Makipaa,Mikko; Pakkala,Timo; Hannula,Esko, System and method for displaying information included in predetermined messages automatically.
  292. Walker Jay S. ; Tedesco Daniel E. ; Van Luchene Andrew S., System and method for dynamic assembly of packages in retail environments.
  293. Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S., System and method for dynamic assembly of packages in retail environments.
  294. Anderson, Jeffrey P., System and method for evaluating vehicle purchase loyalty.
  295. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  296. Rothman, Michael J.; Witsil, Kathleen H.; Nanek, David W., System and method for gathering and standardizing customer purchase information for target marketing.
  297. Torrez, Luz M.; Kornegay, Adam Thomas, System and method for generating a finance attribute from tradeline data.
  298. Torrez, Luz M.; Kornegay, Adam Thomas, System and method for generating a finance attribute from tradeline data.
  299. Torrez, Luz M.; Kornegay, Adam Thomas, System and method for generating a finance attribute from tradeline data.
  300. Torrez, Luz M.; Kornegay, Adam Thomas, System and method for generating a finance attribute from tradeline data.
  301. Torrez, Luz M.; Kornegay, Adam Thomas, System and method for generating a finance attribute from tradeline data.
  302. Bistriceanu, Virgil; Muller, Craig, System and method for generating personalized offers through an information gathering system.
  303. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  304. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  305. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  306. Taylor, Robert Cameron; Pilarcik, Jeffrey J.; Ley, Paula M., System and method for granting promotional rewards to both customers and non-customers.
  307. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  308. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  309. Kanevsky, Dimitri; Zadrozny, Wlodek W.; Zlatsin, Alexander, System and method for group advertisement optimization.
  310. Kepecs, Jonathan, System and method for inverted promotions.
  311. Kepecs, Jonathan, System and method for inverted promotions.
  312. Kepecs,Jonathan, System and method for inverted promotions.
  313. Kator, Lynn Michele; Nemtuda, David; Hirtenstein, Edith, System and method for monitoring and predicting vehicle attributes.
  314. Kator, Lynn Michele; Nemtuda, David; Hirtenstein, Edith, System and method for monitoring and predicting vehicle attributes.
  315. Kator, Lynn Michele; Nemtuda, David; Hirtenstein, Edith, System and method for monitoring and predicting vehicle attributes.
  316. Kator, Lynn Michele; Nemtuda, David; Hirtenstein, Edith, System and method for monitoring and predicting vehicle attributes.
  317. Haines, Mark; Ferrell, Raymond R; Ariff, Fauziah B; Voltmer, Theodore S, System and method for monitoring consumer purchasing activity.
  318. Ariff, Fauziah B.; Voltmer, Theodore S.; Antonucci, Donna A.; Greenhut, Scott M.; Hayes, John; Sneddon, Kendall; Ciccarone, Christine D.; Ewell, Jason; Lam, Johnson; Zaiac, Joanne; Lang, Laura; Bharwani, Seraj; Zeisser, Michel P.; Fernandes, Joseph; Segal, Elizabeth Hilton, System and method for networked loyalty program.
  319. Ariff, Fauziah B.; Voltmer, Theodore S.; Antonucci, Donna A.; Greenhut, Scott M.; Hayes, John; Sneddon, Kendall; Ciccarone, Christine D.; Ewell, Jason; Lam, Johnson; Zaiac, Joanne; Lang, Laura; Bharwani, Seraj; Zeisser, Michel P.; Fernandes, Joseph; Segal, Elizabeth Hilton, System and method for networked loyalty program.
  320. Ariff, Fauziah B.; Voltmer, Theodore S.; Antonucci, Donna A.; Greenhut, Scott M.; Hayes, John; Sneddon, Kendall; Ciccarone, Christine D.; Ewell, Jason; Lam, Johnson; Zaiac, Joanne; Lang, Laura; Bharwani, Seraq; Zeisser, Michel P.; Fernandes, Joseph; Segel, Elizabeth Hilton, System and method for networked loyalty program.
  321. Ariff, Fauziah B; Voltmer, Theodore S; Antonucci, Donna A; Greenhut, Scott M; Hayes, John; Sneddon, Kendall; Ciccarone, Christine D; Ewell, Jason; Lam, Johnson; Zaiac, Joanne; Lang, Laura; Bharwani, Seraq; Zeisser, Michel P; Fernandes, Joseph; Segel, Elizabeth Hilton, System and method for networked loyalty program.
  322. Ariff, Fauziah B; Voltmer, Theodore S; Antonucci, Donna A; Greenhut, Scott M; Hayes, John; Sneddon, Kendall; Ciccarone, Christine D; Ewell, Jason; Lam, Johnson; Zaiac, Joanne; Lang, Laura; Bharwani, Seraq; Zeisser, Michel P; Fernandes, Joseph; Segel, Elizabeth Hilton, System and method for networked loyalty program.
  323. Haines,Mark; Ferrell,Raymond R.; Ariff,Fauziah; Voltmer,Theodore S., System and method for networked loyalty program.
  324. Voltmer, Theodore S.; Ariff, Fauziah B., System and method for networked loyalty program.
  325. Voltmer, Theodore S.; Ariff, Fauziah B., System and method for networked loyalty program.
  326. Voltmer,Theodore S.; Ariff,Fauziah B., System and method for networked loyalty program.
  327. Voltmer,Theodore S.; Ariff,Fauziah B., System and method for networked loyalty program.
  328. Voltmer,Theodore S.; Ariff,Fauziah B., System and method for networked loyalty program.
  329. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
  330. Das, Jayanta, System and method for offering risk-based interest rates in a credit instutment.
  331. Koeppel, Arthur; Turner, Jonathan, System and method for performing Web based in-view monitoring.
  332. Walker, Jay S.; Jorasch, James A.; Jindal, Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  333. Walker, Jay S.; Jorasch, James A.; Jindal, Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  334. Walker, Jay S.; Jorasch, James A.; Jindal, Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  335. Walker,Jay S.; Jorasch,James A.; Jindal,Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  336. Walker,Jay S.; Jorasch,James A.; Jindal,Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  337. Koeppel, Arthur; Turner, Jonathan, System and method for performing web based in-view monitoring.
  338. Sorem, Steve, System and method for processing transactions.
  339. Jacobs, Dean Bernard; Woollen, Robert; White, Seth, System and method for providing a cache that stores entity beans and employs data invalidation.
  340. Mears, Stuart Andrew, System and method for providing a financial transaction instrument with user-definable authorization criteria.
  341. Mears, Stuart Andrew, System and method for providing a financial transaction instrument with user-definable authorization criteria.
  342. Hirtenstein, Edith; Nemtuda, David, System and method for providing a score for a used vehicle.
  343. Herz, Frederick; Ungar, Lyle; Zhang, Jian; Wachob, David, System and method for providing access to data using customer profiles.
  344. Herz, Frederick; Ungar, Lyle; Zhang, Jian; Wachob, David; Salganicoff, Marcos, System and method for providing access to video programs and other data using customer profiles.
  345. Courbage, Magali; Rodenbusch, Richard; Morani, Jean-Dominique, System and method for providing an aggregation tool.
  346. Courbage, Magali; Rodenbusch, Richard; Morani, Jean-Dominique, System and method for providing an aggregation tool.
  347. Courbage, Magali; Rodenbusch, Richard; Morani, Jean-Dominique, System and method for providing an aggregation tool.
  348. Ariff, Fauziah B.; Bishop, Fred; Neemann, Trey; Voltmer, Theodore S., System and method for securing data through a PDA portal.
  349. Bishop, Fred; Neemann, Trey; Voltmer, Theodore S; Ariff, Fauziah B, System and method for securing data through a PDA portal.
  350. Bishop,Fred; Neemann,Trey; Voltmer,Theodore S.; Ariff,Fauziah B., System and method for securing data through a PDA portal.
  351. Kala, Abhinav K.; Kim, Susana Sung-hye; Purkayastha, Subhra Shankar; Zucker, Jill, System and method for targeting family members of transaction account product holders to receive supplementary transaction account products.
  352. Kala, Abhinav; Kim, Susana Sung-hye; Purkayastha, Subhra Shankar; Zucker, Jill, System and method for targeting transaction account product holders to receive upgraded transaction account products.
  353. Kala, Abhinav; Kim, Susana Sung-hye; Purkayastha, Subhra Shankar; Zucker, Jill, System and method for targeting transaction account product holders to receive upgraded transaction account products.
  354. Martino, Paul; Musumeci, Gian-Paolo; Wehner, Kristopher C., System and method for the dynamic generation of correlation scores between arbitrary objects.
  355. Martino, Paul; Musumeci, Gian-Paolo; Wehner, Kristopher C., System and method for the dynamic generation of correlation scores between arbitrary objects.
  356. Antonucci, Donna; Voltmer, Theodore S., System and method for the real-time transfer of loyalty points between accounts.
  357. Antonucci,Donna; Voltmer,Theodore S., System and method for the real-time transfer of loyalty points between accounts.
  358. Rautila,Heikki, System and method for the transfer of digital data to a mobile device.
  359. Antonucci, Donna A.; Voltmer, Theodore S., System and method for the transfer of loyalty points.
  360. Senghore, Medina J.; Thomas, Tracey R.; Ariff, Fauziah, System and method for tiered filtering of purchase transactions.
  361. Senghore, Medina J.; Thomas, Tracey R.; Ariff, Fauziah, System and method for tiered filtering of purchase transactions.
  362. Bistriceanu, Virgil; Muller, Craig, System and method for tracking user activity in an incentive award system.
  363. Chien, Emily; Sanchez, Trish; Saunders, Daniela; Wiseman, Jill; Balagopal, C R; Kinderknecht, Al; Parson, Jon W.; Preston, Ray, System and method for using loyalty rewards as currency.
  364. Lee, Juhnyoung; Kalagnanam, Jayant R.; Davenport, Andrew J.; Lee, Ho Soo, System and method for using virtual wish lists for assisting shopping over computer networks.
  365. Williams, Richard; Kong, Jacob; Hughes, Lawrence J.; Hajikhani, Rasoul, System and method of enhancing leads by determining contactability scores.
  366. Bauer,James L.; Masella,Margaret, System and method of operating a debit card reward program.
  367. Freund, Peter C., System and process for performing purchase transactions using tokens.
  368. Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
  369. Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
  370. Walker, Jay S.; Bemer, Keith; Palmer, Timothy A.; Sammon, Russell P., System to provide price adjustments based on indicated product interest.
  371. Walker, Jay S.; Bemer, Keith; Sammon, Russell P.; Palmer, Timothy A., System to provide price adjustments based on indicated product interest.
  372. Bieganski Paul, System, method and article of manufacture for increasing the user value of recommendations.
  373. Bieganski Paul ; Konstan Joseph A. ; Riedl John T., System, method and article of manufacture for making serendipity-weighted recommendations to a user.
  374. Paul Bieganski ; Joseph Konstan ; John Rauser ; Dan Frankowski, System, method, and article of manufacture for making a compatibility-aware recommendations to a user.
  375. Pettay, Mark J.; Kempkes, Rodney J., System, method, and business method for settling micropayment transactions to a pre-paid instrument.
  376. Pettay, Mark J; Kempkes, Rodney J, System, method, and business method for settling micropayment transactions to a pre-paid instrument.
  377. Libman, Richard Marc, System, method, and computer program product for selecting and presenting financial products and services.
  378. Deaton, David W.; Wood, Robert Scott, System, method, and database for processing transactions.
  379. Rowe, III, James C.; Williams, Warren K., Systems and methods for alerting pharmacies of formulary alternatives.
  380. Zabritski, Melinda; Otero, Miguel; Diaz, Jorge N., Systems and methods for analyzing lender risk using vehicle historical data.
  381. Anderson, Russell Wayne, Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data.
  382. Brunzell, Hakan Olof; Caron, Arielle Renee; Wong, Tak Wun, Systems and methods for detecting bust out fraud using credit data.
  383. Brunzell, Hakan Olof; Caron, Arielle Renee; Wong, Tak Wun; Sumner, Anthony J., Systems and methods for detecting bust out fraud using credit data.
  384. Liu, David; Reisz, Sean Daniel; Picard, Thomas A., Systems and methods for determining prescribing physician activity levels.
  385. Chaudhuri, Anamitra; Hadenfeldt, Nancy A.; Hjermstad, Erik, Systems and methods for determining thin-file records and determining thin-file risk levels.
  386. Chaudhuri, Anamitra; Hadenfeldt, Nancy A.; Hjermstad, Erik, Systems and methods for determining thin-file records and determining thin-file risk levels.
  387. Chaudhuri, Anamitra; Hadenfeldt, Nancy A.; Hjermstad, Erik, Systems and methods for determining thin-file records and determining thin-file risk levels.
  388. Pinsonneault, Roger, Systems and methods for facilitating claim rejection resolution by providing prior authorization assistance.
  389. Troutt, Paul; Sarathi, Nikhil; Smith, Marty, Systems and methods for facilitating healthcare provider enrollment with one or more payers.
  390. Casu, Jennifer Michelle, Systems and methods for facilitating the establishment of pharmaceutical rebate agreements.
  391. Balducci, Michael; Manvydas, Thomas C.; Kohl, Nadya; Koelfgen, Paul, Systems and methods for processing consumer information for targeted marketing applications.
  392. DeSoto, Laura J.; Bodda, Michele M.; Adkinson, Kristi Ann; Achanta, Venkat R.; Peng, Felicia, Systems and methods for providing a direct marketing campaign planning environment.
  393. DeSoto, Laura J.; Pearson, Michele M.; Adkinson, Kristi Ann; Achanta, Venkat R.; Peng, Felicia, Systems and methods for providing a direct marketing campaign planning environment.
  394. DeSoto, Laura J.; Pearson, Michele M.; Adkinson, Kristi Ann; Achanta, Venkat R.; Peng, Felicia, Systems and methods for providing a direct marketing campaign planning environment.
  395. Stack, Brian; Lientz, Andrew; Chamberlain, Simon; Abdous, Yacine; Kahn, Ray, Systems and methods for providing anonymized user profile data.
  396. Stack, Brian; Lientz, Andrew; Chamberlain, Simon; Abdous, Yacine; Kahn, Ray, Systems and methods for providing anonymized user profile data.
  397. Stack, Brian; Lientz, Andrew; Chamberlain, Simon; Abdous, Yacine; Kahn, Ray, Systems and methods for providing anonymized user profile data.
  398. Ringold, James Morgan, Systems and methods for providing notifications of availability of generic drugs or products.
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  400. Mi, Zhe Cheng; Russell, Rita Sue, Systems and methods for real-time monitoring and analysis of prescription claim rejections.
  401. Williams, Richard; Kong, Jacob; Hughes, Lawrence J.; Panigrahi, Damodar; Kirgan, Maria Luisa; Hajikhani, Rasoul, Systems and methods for scoring sales leads.
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  404. Harris, Sr., Patrick; Pinsonneault, Roger, Systems and methods for the intelligent coordination of benefits in healthcare transactions.
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  406. Chandran, Rohan K. K., Systems and methods of ranking a plurality of credit card offers.
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  424. Martino, Paul J., Using cross-site relationships to generate recommendations.
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  426. Simons, Paul, Variable rate payment card.
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  428. Walker,Jay S.; Tedesco,Daniel E.; Van Luchene,Andrew S.; Bemer,Keith, Vending machine system and method for encouraging the purchase of profitable items.
  429. Rissanen, Jussi, Wireless electronic couponing technique.
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