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Centralized consumer cash value accumulation system for multiple merchants

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G07G-001/12
  • G06F-015/00
  • G06F-015/20
출원번호 US-0976965 (1992-11-16)
발명자 / 주소
  • McCarthy Patrick D. (4384 Bowling Blvd. Louisville KY 40207)
인용정보 피인용 횟수 : 527  인용 특허 : 0

초록

A centralized system of accumulating cash value for consumers based upon point-of-sale transactions with multiple merchants is disclosed wherein for each transaction, the consumer\s account number (such as the Social Security number) which may be different from the consumer\s credit card account num

대표청구항

A method of consumer cash value accumulation based upon point-of-sale transactions between consumers and merchants, the method comprising: a. at the point-of-sale, obtaining from the consumer an account number unique to the consumer; b. at a merchant location, determining a credit value for the tran

이 특허를 인용한 특허 (527)

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  183. Licciardello,Donald C.; Greenberg,Lawrence; Peterhans,Alex; Romero,David; Licciardello,Debra Lynn, Method and system for automated value transfer.
  184. Licciardello,Donald C.; Greenberg,Lawrence; Peterhans,Alex; Romero,David; Licciardello,Debra Lynn, Method and system for automated value transfer.
  185. Mikhail,Grinshetyn; Chang,Matthias E.; Wong,Hok Yee; Chao,Anthony; Graham,Mark, Method and system for data capture with hidden applets.
  186. Miller,Lawrence; Deans,William; Moore,Mike, Method and system for delayed cookie transmission in a client-server architecture.
  187. Miller,Lawrence; Deans,William; Moore,Mike, Method and system for determining receipt of a delayed cookie in a client-server architecture.
  188. Bortolin, Corinne; Farnsworth, Jean Elizabeth; Nelson, Chris S.; Gordon, James G., Method and system for determining rewards.
  189. Cleary, Michael J.; Clifton, David A.; Ilijasic, Dean; Cohen, David C.; Rodgers, Kristine K., Method and system for distribution of unactivated bank account cards.
  190. Cleary, Michael; Clifton, David; Ilijasic, Dean; Cohen, David; Rodgers, Kristine, Method and system for distribution of unactivated bank account cards.
  191. Barnett Craig W. ; Reisner Karen R. ; Braunstein Mark, Method and system for electronic distribution of product redemption coupons.
  192. Barnett, Craig W.; Reisner, Karen R.; Braunstein, Mark, Method and system for electronic distribution of product redemption coupons.
  193. Craig W. Barnett ; Karen R. Reisner ; Mark Braunstein, Method and system for electronic distribution of product redemption coupons.
  194. Ahmad, Farhan, Method and system for emulating a private label over an open network.
  195. Ahmad, Farhan, Method and system for emulating a private label over an open network.
  196. Roberts, Gregory B., Method and system for generating certificates having unique ID data.
  197. Roberts, Greg, Method and system for generating certificates having unique Id data.
  198. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
  199. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
  200. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
  201. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
  202. Pletz,Tracy M.; Seidel,Howard C.; Rochford,Joseph, Method and system for implementing a card product with multiple customized relationships.
  203. Spaeth, Paul; Jones, Douglas; Creighton, Adam, Method and system for implementing a loyalty merchant component.
  204. Boone, Barry; Sacco, Nathan; Chard, Rhys, Method and system for listing items globally and regionally, and customized listing according to currency or shipping area.
  205. Redford, Liane; Shimko, Bryan; Mazour, James; Viswanathan, Rajkumar, Method and system for managing limited use coupon and coupon prioritization.
  206. Redford, Liane; Shimko, Bryan; Mazour, James; Viswanathan, Rajkumar, Method and system for managing limited use coupon and coupon prioritization.
  207. Redford, Liane; Shimko, Bryan; Mazour, James; Viswanathan, Rajkumar, Method and system for managing limited use coupon and coupon prioritization.
  208. Spaeth, Paul; Jones, Douglas; Shimko, Bryan; Gordon, James G.; Madore, Kim; Black, Marc; Mazour, James; Salters, Michael, Method and system for managing loyalty program information on a phone.
  209. Bortolin, Corinne; Hammad, Ayman, Method and system for managing reward reversal after posting.
  210. Bortolin, Corinne; Hammad, Ayman, Method and system for managing reward reversal after posting.
  211. Spielmann, Craig; Hutter, Maria; Klein, Joel; Singhani, Naresh, Method and system for managing risk.
  212. Spielmann,Craig; Hutter,Maria; Klein,Joel; Singhani,Naresh, Method and system for managing risk.
  213. Spielmann,Craig; Hutter,Maria; Klein,Joel; Singhani,Naresh, Method and system for managing risks.
  214. Spaeth, Paul; Jones, Douglas; Shimko, Bryan; Gordon, James G.; Madore, Kim; Black, Marc; Mazour, James; Salters, Michael, Method and system for managing token image replacement.
  215. Spaeth, Paul; Jones, Douglas; Shimko, Bryan; Gordon, James G.; Madore, Kim; Black, Marc; Mazour, James; Salters, Michael, Method and system for managing token image replacement.
  216. Spaeth,Paul; Jones,Douglas; Shimko,Bryan; Gordon,James G.; Madore,Kim; Black,Marc; Mazour,James; Salters,Michael, Method and system for managing token image replacement.
  217. Spaeth,Paul; Jones,Douglas; Shimko,Bryan; Gordon,James G.; Madore,Kim; Black,Marc; Mazour,James; Salters,Michael, Method and system for managing token image replacement.
  218. Packes, Jr.,John M.; Walker,Jay S.; Jorasch,James A.; Tedesco,Daniel E.; Bemer,Keith; Dickerson,John B., Method and system for processing a rebate.
  219. Deavers Karl, Method and system for processing and recording the transactions in a medical savings fund account.
  220. Jay S. Walker ; Sanjay K. Jindal ; Toby Weir-Jones, Method and system for processing customized reward offers.
  221. Walker Jay S. ; Jindal Sanjay K. ; Weir-Jones Toby, Method and system for processing customized reward offers.
  222. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments.
  223. Walker Jay S. ; Jorasch James A. ; Van Luchene Andrew S., Method and system for processing supplementary product sales at a point-of-sale terminal.
  224. Walker, Jay S.; Jorasch, James A.; Van Luchene, Andrew S., Method and system for processing supplementary product sales at a point-of-sale terminal.
  225. Walker, Jay S.; Jorasch, James A.; Van Luchene, Andrew S., Method and system for processing supplementary product sales at a point-of-sale terminal.
  226. Nguyen, Loc; Hammad, Ayman; Gauthier, Patrick, Method and system for providing a distributed adaptive rules based dynamic pricing system.
  227. Nguyen, Loc; Hammad, Ayman; Gauthier, Patrick, Method and system for providing a distributed adaptive rules based dynamic pricing system.
  228. Boone, Barry; Sacco, Nathan; Chard, Rhys, Method and system for providing a record.
  229. Noles, Michael K., Method and system for providing flexible financing.
  230. Noles, Michael K., Method and system for providing flexible financing.
  231. Nguyen, Loc; Shimko, Bryan; Redford, Liane; Gordon, James G.; Madore, Kim; Black, Marc; Mazour, James; Salters, Michael; Berg, Glenda, Method and system for providing interactive cardholder rewards image replacement.
  232. Nguyen,Loc; Shimko,Bryan; Redford,Liane; Gordon,James G.; Madore,Kim; Black,Marc; Mazour,James; Salters,Michael; Berg,Glenda, Method and system for providing interactive cardholder rewards image replacement.
  233. Nguyen,Loc; Shimko,Bryan; Redford,Liane; Gordon,James G.; Madore,Kim; Black,Marc; Mazour,James; Salters,Michael; Berg,Glenda, Method and system for providing interactive cardholder rewards image replacement.
  234. Ahmad, Farhan, Method and system for providing pre-approved targeted products.
  235. Costello, Tana; Nguyen, Loc, Method and system for providing reward status.
  236. Costello, Tana; Nguyen, Loc Duc, Method and system for providing reward status.
  237. Quinlan, Chris; Devlin, Edward A., Method and system for redeeming product marketing rebates.
  238. Quinlan, Chris; Devlin, Edward A., Method and system for redeeming product marketing rebates.
  239. Quinlan, Chris; Devlin, Edward A., Method and system for redeeming product marketing rebates.
  240. Quinlan, Chris; Devlin, Edward A., Method and system for redeeming product marketing rebates.
  241. Lefebvre, Christopher R.; Konen, Sr., Christopher James; Keane, Matthew Joseph; Budischak, Elissa, Method and system for retaining customer loyalty.
  242. Lefebvre, Christopher R.; Konen, Sr., Christopher James; Keane, Matthew Joseph; Budischak, Elissa, Method and system for retaining customer loyalty.
  243. Cornelius,Harry, Method and system for saving and investing through use of a money management card and pooled investment accounts.
  244. Nguyen, Loc; Shimko, Bryan; Redford, Liane; Gordon, James G.; Madore, Kim; Black, Marc; Mazour, James; Salters, Michael; Berg, Glenda, Method and system including phone with rewards image.
  245. Burke, Bertram V., Method and system to create and distribute excess funds from consumer spending transactions.
  246. Lee, Stacy A.; Early, Justin Christopher; McSpadden, Kevin; Pedone, Greg, Method and system to facilitate an online promotion relating to a network-based marketplace.
  247. Bortolin, Corinne; Nguyen, Loc Duc; Redford, Liane, Method and system using wildcard values.
  248. Shiftan, Nicholas; Gauthier, Patrick; Lins, Julie, Method and user device for management of electronic receipts.
  249. Carrott, Richard F., Method for allocating commissions over the internet using defined exclusive sales areas.
  250. Narayanan,Lakshmi, Method for controlled and audited access to privileged accounts on computer systems.
  251. Brad Wendkos, Method for customizing queries.
  252. Bistriceanu, Virgil; Muller, Craig, Method for providing custom profile analysis in a demographic information system.
  253. Wendkos Brad, Method for retrieving certificate information.
  254. Austin, Gary M., Method of administering a rebate system.
  255. Laor Raviv, Method of and system for distributing and redeeming electronic coupons.
  256. Laor Raviv, Method of and system for distributing and redeeming electronic coupons.
  257. Laor, Raviv, Method of and system for distributing and redeeming electronic coupons.
  258. Laor, Raviv, Method of and system for managing promotions for purchase transactions over a network.
  259. Laor, Raviv, Method of and system for managing promotions for purchase transactions over a network.
  260. Finsterwald Martin,DEX, Method of building up a data bank containing customer data and/or for the organization of a rebate or coupon system.
  261. Bortolin, Corinne; Nguyen, Loc; Redford, Liane, Method, system and portable consumer device using wildcard values.
  262. Bortolin,Corinne; Nguyen,Loc; Redford,Liane, Method, system and portable consumer device using wildcard values.
  263. Bortolin,Corinne; Nguyen,Loc; Redford,Liane, Method, system and portable consumer device using wildcard values.
  264. Bortolin,Corinne; Nguyen,Loc; Redford,Liane, Method, system and portable consumer device using wildcard values.
  265. Miller, David S., Method, system, and manufacture for tax information distribution.
  266. Thompson,Michael P., Methods and systems for applying rebates to higher education.
  267. Bowie Britton,Simon, Methods and systems for managing successful completion of a network of processes.
  268. Quinlan, Christopher F.; Kirker, Sean R., Methods and systems for processing rebates.
  269. Thompson, Michael P., Methods and systems for providing a merchant funded incentive rebate or awards program.
  270. Thompson, Michael P., Methods and systems for providing a merchant funded rebate or rewards program.
  271. Thompson, Michael P., Methods and systems for providing a merchant funded rebate program.
  272. Thompson, Michael P., Methods and systems for providing a rebate program.
  273. Thompson, Michael P., Methods and systems for providing a targeted merchant funded rebate or rewards program.
  274. Bortolin, Corinne; Nguyen, Loc; Redford, Liane, Mobile phone including wildcard data string.
  275. Digrigoli, Giacomo; Lee, George, Multi currency exchanges between participants.
  276. Digrigoli, Giacomo; Lee, George, Multi currency exchanges between participants.
  277. Digrigoli, Giacomo; Lee, George, Multi currency exchanges between participants of a network-based transaction facility.
  278. Digrigoli, Giacomo; Lee, George, Multi currency exchanges between participants of a networked-based transaction facility.
  279. Bortolin, Corinne; Farnsworth, Jean Elizabeth; Nelson, Chris S.; Gordon, James G., Multi-application smart card device software solution for smart cardholder reward selection and redemption.
  280. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  281. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  282. Sullivan, Kevin, Mutual fund card method and system.
  283. Sullivan, Kevin, Mutual fund card method and system.
  284. Gonsalves, Robert; Laird, Michael D., Natural color matching in a video editing system.
  285. Redford, Liane; Shimko, Bryan; Nguyen, Loc; Hammad, Ayman, Network centric loyalty system.
  286. Davis Terry L. (Scottsdale AZ) Hart James A. (Radnor PA) Russell James F. (Hockessin DE) Sears John W. (Peoria AZ) Trice Philip H. (Phoenix AZ), Network settlement performed on consolidated information.
  287. Davis Terry L. (Scottsdale AZ) Hart James A. (Radnor PA) Russell James F. (Hockessin DE) Sears John W. (Peoria AZ) Trice Philip H. (Phoenix AZ), Network settlement performed on consolidated information.
  288. Masi, Larry A., Non-cash transaction incentive and commission distribution system.
  289. Masi, Larry A., Non-cash transaction incentive and commission distribution system.
  290. Masi,Larry A., Non-cash transaction incentive and commission distribution system.
  291. Harris, Glen McLean; Henry, Justin M., Online remote control configuration system.
  292. McGhie, Sean I.; Buchheit, Brian K., Online shopping sites for redeeming loyalty points.
  293. Spaeth, Paul; Shimko, Bryan; Levy, Philippe; Toibero, Liz; Garton, Benjamin; Black, Marc; Salters, Michael; Mazour, James, Opt-in/opt-out in loyalty system.
  294. Thomas, Tracey R.; Ferrell, Raymond R., Pay yourself first budgeting.
  295. Thomas, Tracey R., Pay yourself first with auto bill pay system and method.
  296. Thomas, Tracey R., Pay yourself first with user guidance.
  297. Taylor, Mary Theresa; Cervenka, Karen Louise; Bischoff, Marla; Chace, Justin, Payment processing for qualified transaction items.
  298. Patel, Ameet; Holme, Jennifer; Caiazzo, Anthony, Personalized interactive network architecture.
  299. Patel,Ameet; Holme,Jennifer; Caiazzo,Anthony, Personalized interactive network architecture.
  300. Patel, Ameet; Holme, Jennifer; Caiazzo, Anthony, Personalized interactive network with multiple channels coupled to integrated knowledge management system.
  301. Salmon, Diane; Dey, Meara Day; Amaro, Leigh, Point of interaction loyalty currency redemption in a transaction.
  302. Barton Blain, Point of sale automatic savings program contribution system.
  303. Sakamoto,Kiyomi; Ata,Teruaki; Yamashita,Atsushi, Point service system.
  304. Benson, Glenn Stuart; Calaceto, Joseph R.; Logar, Russell M., Portable security transaction protocol.
  305. Walker, Jay S.; Tedesco, Daniel E.; Fincham, Magdalena M., Pre-sale data broadcast system and method.
  306. Walker, Jay S.; Tedesco, Daniel E.; Fincham, Magdalena M., Pre-sale data broadcast system and method.
  307. Walker, Jay S.; Tedesco, Daniel E.; Mik, Magdalena, Pre-sale data broadcast system and method.
  308. Walker, Jay. S; Tedesco, Daniel E.; Mik, Magdalena, Pre-sale data broadcast system and method.
  309. Walker,Jay. S; Tedesco,Daniel E.; Mik,Magdalena, Pre-sale data broadcast system and method.
  310. McClung, Guy, Price guarantee methods and systems.
  311. McClung, III, Guy Lamonte, Price guarantee methods and systems.
  312. 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.
  313. Walker, Jay S.; Tedesco, Daniel E.; Alderucci, Dean P., Products and processes for managing the prices of vending machine inventory.
  314. 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.
  315. 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.
  316. 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.
  317. 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.
  318. Darbee, Paul V.; Thompson, John R.; Thompson, Brandt J.; O'Donnell, Frank A., Program guide on a remote control.
  319. Salmon, Diane C.; VonDerheide, James Alan; Fordyce, III, Edward W.; Shepard, David Chauncey; Adams, Gregory Michael; DiGioacchino, Laura, Rebate automation.
  320. 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.
  321. McGhie, Sean I.; Buchheit, Brian K., Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds.
  322. McGhie, Sean I.; Buchheit, Brian K., Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds.
  323. Christie, William; Beliveau, Jeffery; Lellouche, Henri, Secure coupon distribution.
  324. Andrew W. Trieger, Secure session tracking method and system for client-server environment.
  325. Blossom, George, Selectable multi-purpose card.
  326. Blossom, George, Selectable multi-purpose card.
  327. Blossom,George, Selectable multi-purpose card.
  328. Blossom,George, Selectable multi-purpose card.
  329. Blossom,George, Selectable multi-purpose card.
  330. McGhie, Sean I.; Buchheit, Brian K., Self-service stations for utilizing non-negotiable credits earned from a game of chance.
  331. Gonsalves, Robert; Laird, Michael D., Source color modification on a digital nonlinear editing system.
  332. Slater, Kim Michele, Sponsor funded stored value card.
  333. Slater,Kim Michele, Sponsor funded stored value card.
  334. Harris, Glen M.; Henry, Justin M., State-based control systems and methods.
  335. Harris, Glen McLean; Henry, Justin M., State-based remote control system.
  336. Harris, Glen McLean; Henry, Justin M., State-based remote control system.
  337. Harris, Glen McLean; Henry, Justin M., State-based remote control system.
  338. Knackstedt, Lee; Rau, Scott, Stored value card provided with merchandise as rebate.
  339. Sullivan,Kevin, System and method for a card benefit program providing benefits to program members based on program performance.
  340. Sullivan,Kevin, System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance.
  341. de Boer, Elts; Jackson, Glyn Philip; Ramsey, Samuel Martin; Voltmer, Theodore S., System and method for a merchant loyalty system.
  342. de Boer, Elts; Jackson, Glyn Philip; Ramsey, Samuel Martin; Voltmer, Theodore S., System and method for a merchant loyalty system.
  343. Peirce Roger L. ; Rhoads Bruce C. ; Duncan John ; Loftesness Scott J. ; Johnson Kurt W. ; Dobbs Mary K. ; Mayes Dan, System and method for a targeted payment system discount program.
  344. Liu, Godwin; Rigley, Mark; Wheeler, Stephen; Henry, Justin M.; Harris, Glen McLean, System and method for adaptive programming of a remote control.
  345. Liu, Godwin; Rigley, Mark; Wheeler, Stephen; Henry, Justin M.; Harris, Glen McLean, System and method for adaptive programming of a remote control.
  346. Sullivan, Kevin M., System and method for administering a brokerage rebate card program.
  347. Wilcox,Warren S.; Eger,Edmond I., System and method for administrating a credit card use incentive program by which a credit card holder earns rebate in the form of an additional payment toward an outstanding loan principal to reduce.
  348. Benson, Glenn S., System and method for anti-phishing authentication.
  349. Benson, Glenn S., System and method for anti-phishing authentication.
  350. Benson, Glenn S., System and method for anti-phishing authentication.
  351. Benson, Glenn S., System and method for anti-phishing authentication.
  352. Gendler, Joseph, System and method for automatic financial project management.
  353. Simpson Mark S., System and method for automatically investing a portion of a credit card interest charged amount in an investment account.
  354. Boyle, Kevin; Maistre, Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  355. Boyle,Kevin; Maistre,Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  356. Kusumoto, Laura Lee; Sacerdoti, Earl David; Sigler, Leila Janine; Sigler, Sonya Lee, System and method for consumer-selected advertising and branding in interactive media.
  357. Kusumoto, Laura Lee; Sacerdoti, Earl David; Sigler, Leila Janine; Sigler, Sonya Lee, System and method for consumer-selected advertising and branding in interactive media.
  358. Kusumoto, Laura Lee; Sacerdoti, Earl David; Sigler, Leila Janine; Sigler, Sonya Lee, System and method for consumer-selected advertising and branding in interactive media.
  359. Kusumoto, Laura Lee; Sacerdoti, Earl David; Sigler, Leila Janine; Sigler, Sonya Lee, System and method for consumer-selected advertising and branding in interactive media.
  360. Kusumoto, Laura Lee; Sacerdoti, Earl David; Sigler, Leila Janine; Sigler, Sonya Lee, System and method for consumer-selected advertising and branding in interactive media.
  361. Butler, Sheila S.; Schwarz, Jr., Charles E., System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag.
  362. 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.
  363. Haugen,Amy; Rowney,Kevin, System and method for determining the level of a authentication required for redeeming a customer's award credits.
  364. Haugen, Amy; Rowney, Kevin, System and method for determining the level of an authentication required for redeeming a customers award credits.
  365. Walker Jay S. ; Tedesco Daniel E. ; Van Luchene Andrew S., System and method for dynamic assembly of packages in retail environments.
  366. Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S., System and method for dynamic assembly of packages in retail environments.
  367. Brown, Karen Lavern; Manarky, Lisa Kim, System and method for electronic bill pay and presentment.
  368. Walker, Jay S.; Van Luchene, Andrew S.; Tedesco, Daniel E., System and method for encouraging competitive participation in an auction.
  369. Warren, Mary Carter; Barrett, Donna M.; Schmitt, Donald H.; Ehemann, Karen R., System and method for establishing or modifying an account with user selectable terms.
  370. Warren, Mary Carter; Fredman, Marc L.; Hoechst, Kimberly L.; Filak, Douglas A.; Steckart, James C.; Blossom, George W.; Jacobs, Ron E.; Barrett, Donna M.; Schmitt, Donald H.; Strock, Bradley R.; Witsil, Kathleen H.; Ehemann, Karen R.; Dowidchuck, Katrina, System and method for establishing or modifying an account with user selectable terms.
  371. Warren, Mary Carter; Fredman, Marc L.; Hoechst, Kimberly L.; Filak, Douglas A.; Steckart, James C.; Blossom, George W.; Jacobs, Ron E.; Barrett, Donna M.; Schmitt, Donald H.; Strock, Bradley R.; Witsil, Kathleen H.; Ehemann, Karen R.; Dowidchuck, Katrina, System and method for establishing or modifying an account with user selectable terms.
  372. Sanders, Shelley F.; Bowers, Theodore, System and method for funding a collective account.
  373. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  374. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  375. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  376. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  377. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  378. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  379. Rothman, Michael J.; Witsil, Kathleen H.; Nanek, David W., System and method for gathering and standardizing customer purchase information for target marketing.
  380. Rothman, Michael J.; Witsil, Kathleen H.; Nanek, David W., System and method for gathering and standardizing customer purchase information for target marketing.
  381. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
  382. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
  383. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for generating graphical user interface.
  384. Bistriceanu, Virgil; Muller, Craig, System and method for generating personalized offers through an information gathering system.
  385. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  386. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  387. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  388. Taylor, Robert Cameron; Pilarcik, Jeffrey J.; Ley, Paula M., System and method for granting promotional rewards to both customers and non-customers.
  389. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  390. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  391. Sheley, William S., System and method for granting promotional rewards to financial account holders.
  392. Pederson, Shane P.; Ma, Lizhi; Wang, Hui; Lau, Tak Wing (Edward), System and method for identifying optimal marketing offers.
  393. Pletz, Tracy; Callahan, William T., System and method for integrated customer management.
  394. Hirka, Jeffrey L.; Fox, Steven J., System and method for linked account having sweep feature.
  395. Steinert, Jan Allan; Elkus, Richard M., System and method for managing a loyalty program via an association network infrastructure.
  396. Walker, Jay S.; Jindal, Sanjay K.; Weir-Jones, Toby; Tulley, Stephen C.; Downs, Michael D., System and method for managing customized reward offers.
  397. Walker, Jay S.; Jindal, Sanjay K.; Weir-Jones, Toby; Tulley, Stephen C.; Downs, Michael D., System and method for managing customized reward offers.
  398. Walker, Jay S.; Jindal, Sanjay K.; Weir-Jones, Toby; Tulley, Stephen C.; Downs, Michael D., System and method for managing customized reward offers.
  399. Walker,Jay S.; Jindal,Sanjay K.; Weir Jones,Toby; Tulley,Stephen C.; Downs,Michael D., System and method for managing customized reward offers.
  400. Borgia,Evelyn; Miller,Jodi; De Gottal,Graham; O'Connor,Christine, System and method for managing global risk.
  401. Kerker, William S.; Paasche, Thomas D.; Bamborough, Dave; Bancino, Randy S.; Horder-Koop, Robin; McDonald, Kenneth J.; Parker, John P.; Zevalkink, Claire E., System and method for managing recurring orders in a computer network.
  402. Paasche,Thomas D.; Kerker,William S., System and method for managing recurring orders in a computer network.
  403. Breslin, Jodi; Borgia, Evelyn; de Gottal, Graham, System and method for managing risks associated with outside service providers.
  404. Haines, Mark; Ferrell, Raymond R; Ariff, Fauziah B; Voltmer, Theodore S, System and method for monitoring consumer purchasing activity.
  405. Feingold, Vincent, System and method for multi-dimensional risk analysis.
  406. Scott, Kelly W., System and method for network-based project management.
  407. 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.
  408. 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.
  409. 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.
  410. 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.
  411. 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.
  412. Haines,Mark; Ferrell,Raymond R.; Ariff,Fauziah; Voltmer,Theodore S., System and method for networked loyalty program.
  413. Voltmer, Theodore S.; Ariff, Fauziah B., System and method for networked loyalty program.
  414. Voltmer, Theodore S.; Ariff, Fauziah B., System and method for networked loyalty program.
  415. Voltmer,Theodore S.; Ariff,Fauziah B., System and method for networked loyalty program.
  416. Voltmer,Theodore S.; Ariff,Fauziah B., System and method for networked loyalty program.
  417. Levine,Adam Michael; Pederson,Shane P.; Lau,Tak Wing (Edward), System and method for offer management.
  418. Levine, Adam Michael; Bellur, Nagendra Krishnamurthy; Pisolkar, Sourabh, System and method for offer targeting.
  419. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
  420. Das, Jayanta, System and method for offering risk-based interest rates in a credit instutment.
  421. Benson, Glenn Stuart; Croston, Sean, System and method for partner key management.
  422. Walker, Jay S.; Jorasch, James A.; Jindal, Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  423. Walker, Jay S.; Jorasch, James A.; Jindal, Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  424. Walker, Jay S.; Jorasch, James A.; Jindal, Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  425. Walker,Jay S.; Jorasch,James A.; Jindal,Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  426. Walker,Jay S.; Jorasch,James A.; Jindal,Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  427. D'Agostino, John, System and method for performing secure credit card purchases.
  428. D'Agostino, John, System and method for performing secure credit card transactions.
  429. Skingle, Bruce James, System and method for portal infrastructure tracking.
  430. Skingle,Bruce James, System and method for portal infrastructure tracking.
  431. Leek, Kevin; White, Terry, System and method for preparing a tax return using electronically distributed tax return data.
  432. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  433. Singh, Shantnu, System and method for processing payment transaction receipts.
  434. Singh, Shantnu, System and method for processing payment transaction receipts.
  435. Sorem, Steve, System and method for processing transactions.
  436. Harris Jeffrey ; Kirschner Douglas ; Purdy James, System and method for providing a discount credit transaction network.
  437. Mears, Stuart Andrew, System and method for providing a financial transaction instrument with user-definable authorization criteria.
  438. Mears, Stuart Andrew, System and method for providing a financial transaction instrument with user-definable authorization criteria.
  439. Schmeyer, Frank F., System and method for providing consumer rewards.
  440. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  441. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  442. Rosko,Robert; Ampani,Kumar, System and method for providing customers with seamless entry to a remote server.
  443. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  444. Gendler,Joseph, System and method for providing funding approval associated with a project based on a document collection.
  445. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  446. Hamilton, Stacy M.; Rossiter, Janet L., System and method for providing promotional pricing.
  447. Hamilton,Stacy M.; Rossiter,Janet L., System and method for providing promotional pricing.
  448. Scroggie, Michael C.; Kacaba, Michael E.; Rochon, David A.; Diamond, David M., System and method for providing shopping aids and incentives to customer through a computer network.
  449. Scroggie, Michael C.; Kacaba, Michael E.; Rochon, David A.; Diamond, David M., System and method for providing shopping aids and incentives to customers through a computer network.
  450. Scroggie,Michael C.; Kacaba,Michael E.; Rochon,David A.; Diamond,David M., System and method for providing shopping aids and incentives to customers through a computer network.
  451. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  452. Ariff, Fauziah B.; Bishop, Fred; Neemann, Trey; Voltmer, Theodore S., System and method for securing data through a PDA portal.
  453. Bishop, Fred; Neemann, Trey; Voltmer, Theodore S; Ariff, Fauziah B, System and method for securing data through a PDA portal.
  454. Bishop,Fred; Neemann,Trey; Voltmer,Theodore S.; Ariff,Fauziah B., System and method for securing data through a PDA portal.
  455. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
  456. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  457. Skingle,Bruce James, System and method for single session sign-on with cryptography.
  458. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  459. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  460. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  461. Ellmore,Kimberly, System and method for single sign on process for websites with multiples applications and services.
  462. Colcord, Brian, System and method for testing applications.
  463. Antonucci, Donna; Voltmer, Theodore S., System and method for the real-time transfer of loyalty points between accounts.
  464. Antonucci,Donna; Voltmer,Theodore S., System and method for the real-time transfer of loyalty points between accounts.
  465. Antonucci, Donna A.; Voltmer, Theodore S., System and method for the transfer of loyalty points.
  466. Senghore, Medina J.; Thomas, Tracey R.; Ariff, Fauziah, System and method for tiered filtering of purchase transactions.
  467. Senghore, Medina J.; Thomas, Tracey R.; Ariff, Fauziah, System and method for tiered filtering of purchase transactions.
  468. Bistriceanu, Virgil; Muller, Craig, System and method for tracking user activity in an incentive award system.
  469. Bushold,Thomas R.; Shipley,Mark A.; Altemueller,Jeffrey L.; Sigman,Stephen A., System and method for transacting purchases with a cash vendor using points.
  470. Sprogoe, Sven; Philipak, Richard M.; Wagner, Jeffrey D., System and method for transacting purchases with a cash vendor using points and a virtual credit card.
  471. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  472. Fellner,Debra C., System and method for using a stored value account having subaccount feature.
  473. 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.
  474. Bauer,James L.; Masella,Margaret, System and method of operating a debit card reward program.
  475. Freund, Peter C., System and process for performing purchase transactions using tokens.
  476. Narasimhan Ashok ; Raman Vas ; David Bernard, System for accessing promotion information and for generating redeemable coupons therefrom.
  477. Miller, David S., System for collecting tax data.
  478. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  479. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  480. Miller, David S., System for tax data collection.
  481. Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
  482. Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
  483. Walker,Jay S.; Tedesco,Daniel E., System for vending physical and information items.
  484. Walker, Jay S.; Bemer, Keith; Palmer, Timothy A.; Sammon, Russell P., System to provide price adjustments based on indicated product interest.
  485. Walker, Jay S.; Bemer, Keith; Sammon, Russell P.; Palmer, Timothy A., System to provide price adjustments based on indicated product interest.
  486. Alpdemir, Ahmet, System, method, and business model for speech-interactive information system having business self-promotion, audio coupon and rating features.
  487. Narayana, Usha; Armstrong, Philip D., Systems and methods for additional notification and inputs of electronic transaction processing results.
  488. Anderson, Russell Wayne, Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data.
  489. Narayana, Usha; Summerrow, Kimberly Belle, Systems and methods for display notifications for routing of electronic transaction processing results.
  490. Walker,Jay S.; Fincham,Magdalena M.; Tulley,Stephen C.; Van Luchene,Andrew S.; Tedesco,Daniel E., Systems and methods for facilitating group rewards.
  491. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  492. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  493. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  494. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  495. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  496. Lee, Injae; Velmurugan, Selvam; Hegde, Vinayak, Systems and methods for providing promotion sharing among consumers.
  497. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  498. Narayana, Usha; Summerrow, Kimberly Belle; Blackburn, Jared J.; Hunter, Shaun G.; Noles, Van A., Systems and methods for tracking and adjustment of electronic transaction processing results.
  499. Ovick, Joseph Bjorn; Carlson, Mark; Hagey, Ryan; Reid, Margaret; Stan, Patrick; Wright, Patrick; Koganti, Krishna Prasad; Powell, Glenn; Kumnick, Phillip Lyle, Systems and methods to apply benefit of offers.
  500. Ovick, Joseph Bjorn; Carlson, Mark; Hagey, Ryan; Reid, Margaret; Stan, Patrick; Wright, Patrick; Koganti, Krishna Prasad; Powell, Glenn; Kumnick, Phillip Lyle, Systems and methods to apply the benefit of offers via a transaction handler.
  501. Granville, III, Walter J., Systems and methods to communicate offer options via messaging in real time with processing of payment transaction.
  502. Ovick, Joseph Bjorn; Carlson, Mark; Hagey, Ryan; Reid, Margaret; Stan, Patrick; Wright, Patrick; Koganti, Krishna Prasad; Powell, Glenn, Systems and methods to enhance security in transactions.
  503. Ovick, Joseph Bjorn; Carlson, Mark; Hagey, Ryan; Reid, Margaret; Stan, Patrick; Wright, Patrick; Koganti, Krishna Prasad; Powell, Glenn; Kumnick, Phillip Lyle; Kim, Nancy L., Systems and methods to generate a receipt for a transaction.
  504. Ovick, Joseph Bjorn; Carlson, Mark; Hagey, Ryan; Reid, Margaret; Stan, Patrick; Wright, Patrick; Koganti, Krishna Prasad; Powell, Glenn; Kumnick, Phillip Lyle; Kim, Nancy L., Systems and methods to generate a receipt for a transaction.
  505. Ovick, Joseph Bjorn; Carlson, Mark; Hagey, Ryan; Reid, Margaret; Stan, Patrick; Wright, Patrick; Koganti, Krishna Prasad; Powell, Glenn; Kumnick, Phillip Lyle, Systems and methods to process transactions and offers via a gateway.
  506. Salmon, Diane C.; VonDerheide, James Alan; DiGioacchino, Laura; Scheidelman, Edward; Kim, Nancy L., Systems and methods to provide a user interface for redemption of loyalty rewards.
  507. Walker,Jay S.; Tedesco,Daniel E.; Kobayashi,Michiko; Golden,Andrew P.; Allison,Scott B.; Gelman,Geoffrey M.; Palmer,Timothy A.; Jorasch,James A.; Delamater,Elizabeth, Systems and methods wherein a security deposit facilitates a transaction in which a benefit is applied in exchange for performance of a task.
  508. Gomez, Garrison; Fitch, Timothy R.; McCall, Melvin D.; O'Donnell, James F.; Smith, George S.; Sperduti, David, Terminal including imaging assembly.
  509. Gomez, Garrison; Fitch, Timothy R.; McCall, Melvin D.; O'Donnell, James F.; Smith, II, George S.; Sperduti, David, Terminal including imaging assembly.
  510. Gomez, Garrison; Fitch, Timothy R.; McCall, Melvin D.; O'Donnell, James F.; Smith, II, George S.; Sperduti, David, Terminal including imaging assembly.
  511. Gomez, Garrison; Fitch, Timothy R.; McCall, Melvin D.; O'Donnell, James F.; Smith, II, George S.; Sperduti, David, Terminal including imaging assembly.
  512. Gomez, Garrison; Fitch, Timothy R.; McCall, Melvin D.; O'Donnell, James F.; Smith, II, George S.; Sperduti, David, Terminal including imaging assembly.
  513. Field, Manning R.; Reinhard, Walter Brent, Transaction device.
  514. Fitch,Timothy R.; Gomez,Garrison; Havens,William H.; McCall,Melvin D.; O'Donnell,James F.; Smith,George S.; Sperduti,David, Transaction terminal.
  515. McCall,Melvin D.; Fitch,Timothy R.; Gomez,Garrison; O'Donnell,James F.; Smith,George S.; Sperduti,David, Transaction terminal comprising imaging module.
  516. Gomez, Garrison; Fitch, Timothy R.; McCall, Melvin D.; O'Donnell, James F.; Smith, II, George S.; Sperduti, David, Transaction terminal including imaging module.
  517. Cornelius, Harry, Transferring funds to designated accounts through the use of a money management card.
  518. Davis Terry L. (Scottsdale AZ) Russell James F. (Hockessin DE) Sears John W. (Peoria AZ) Trice Philip H. (Phoenix AZ), Transferring information between transaction networks.
  519. Singhal,Tara C, Universal charity card system.
  520. McGhie, Sean I.; Buchheit, Brian K., User interface for the exchange of non-negotiable credits for entity independent funds.
  521. Simons, Paul, Variable rate payment card.
  522. Simons, Paul, Variable rate payment card.
  523. Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S.; Bemer, Keith, Vending machine system and method for encouraging the purchase of profitable items.
  524. Walker,Jay S.; Tedesco,Daniel E.; Van Luchene,Andrew S.; Bemer,Keith, Vending machine system and method for encouraging the purchase of profitable items.
  525. Christensen, Scott N., Virtual couponing method and apparatus for use with consumer kiosk.
  526. Alpdemir, Ahmet; James, Arthur, Voice-interactive marketplace providing promotion and promotion tracking, loyalty reward and redemption, and other features.
  527. DeFrancesco, Jr., James R.; Fingerhuth, Amy; Freiman, Scott; Rusk, Geoffrey; Terpening, Steven, Workflow management system for an automated credit application system.
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