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Method and system for selective incentive point-of-sale marketing in response to customer shopping histories 원문보기

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/60
출원번호 US-0458172 (1995-06-01)
발명자 / 주소
  • Deaton David W. (Abilene TX) Gabriel Rodney G. (Abilene TX)
출원인 / 주소
  • Credit Verification Corporation (Abilene TX 02)
인용정보 피인용 횟수 : 508  인용 특허 : 0

초록

A system and method is disclosed for customer promotion. A terminal enters a customer\s identification code, along with customer transaction data, at the point-of-sale. A memory stores a database of previously entered customer identification codes and transactions data. Circuitry is provided for gen

대표청구항

A system for differential customer promotion in a retail establishment comprising: a terminal for entering customer transaction data at a point-of-sale; a bar code reader for detecting the universal product code on a plurality of different products purchased by said customers; a memory for storing s

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  180. Bortolin, Corinne; Hammad, Ayman, Method and system for managing reward reversal after posting.
  181. Spielmann, Craig; Hutter, Maria; Klein, Joel; Singhani, Naresh, Method and system for managing risk.
  182. Spielmann,Craig; Hutter,Maria; Klein,Joel; Singhani,Naresh, Method and system for managing risk.
  183. Spielmann,Craig; Hutter,Maria; Klein,Joel; Singhani,Naresh, Method and system for managing risks.
  184. 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.
  185. 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.
  186. 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.
  187. 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.
  188. Walker, Jay S.; Jorasch, James A.; Van Luchene, Andrew S., Method and system for processing supplementary product sales at a point-of-sale terminal.
  189. Nguyen, Loc; Hammad, Ayman; Gauthier, Patrick, Method and system for providing a distributed adaptive rules based dynamic pricing system.
  190. Nguyen, Loc; Hammad, Ayman; Gauthier, Patrick, Method and system for providing a distributed adaptive rules based dynamic pricing system.
  191. Noles, Michael K., Method and system for providing flexible financing.
  192. Noles, Michael K., Method and system for providing flexible financing.
  193. 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.
  194. 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.
  195. 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.
  196. Mussman,David C.; Adornato,Rocco L.; Barker,Thomas B.; West,Gary L.; Katz,Ronald A., Method and system for providing offers in real time to prospective customers.
  197. Ahmad, Farhan, Method and system for providing pre-approved targeted products.
  198. Mussman, David C; Adornato, Rocco L; Barker, Thomas B; Katz, Ronald A; West, Gary L, Method and system for providing real time offers to a user based on obsolescence of possessed items.
  199. Costello, Tana; Nguyen, Loc, Method and system for providing reward status.
  200. Costello, Tana; Nguyen, Loc Duc, Method and system for providing reward status.
  201. Lefebvre, Christopher R.; Konen, Sr., Christopher James; Keane, Matthew Joseph; Budischak, Elissa, Method and system for retaining customer loyalty.
  202. Lefebvre, Christopher R.; Konen, Sr., Christopher James; Keane, Matthew Joseph; Budischak, Elissa, Method and system for retaining customer loyalty.
  203. Van Gorkum, Aart Adrianus, Method and system for selling an additive for a product.
  204. Heiser, II, Russel Robert; Shahan, Nathan W., Method and system for targeted content placement.
  205. Heiser, II, Russel Robert; Shahan, Nathan W., Method and system for targeted content placement.
  206. Heiser, II, Russel Robert; Shahan, Nathan W., Method and system for targeted content placement.
  207. Heiser, III, Russel Robert; Shahan, Nathan W., Method and system for targeted content placement.
  208. Postrel, Richard, Method and system for using reward points to liquidate products.
  209. 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.
  210. Bortolin, Corinne; Nguyen, Loc Duc; Redford, Liane, Method and system using wildcard values.
  211. Shiftan, Nicholas; Gauthier, Patrick; Lins, Julie, Method and user device for management of electronic receipts.
  212. Stavrulov,Igor Anatolievich, Method for customizing consumer product packaging by varying images appearing on packages.
  213. Johnson,Michael Joseph, Method for offering location-based targeted discounts without requirement for location sensing.
  214. Aabye, Christian; Ngo, Hao; Wilson, David, Method of performing transactions with contactless payment devices using pre-tap and two-tap operations.
  215. Mussman, David C.; Barker, Thomas B.; West, Gary L.; Katz, Ronald A., Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction.
  216. Mussman, David C; Barker, Thomas B; West, Gary L; Katz, Ronald A, Method, program storage device, and apparatus for offering a user a plurality of scenarios under which to conduct a primary transaction.
  217. Bortolin, Corinne; Nguyen, Loc; Redford, Liane, Method, system and portable consumer device using wildcard values.
  218. Bortolin,Corinne; Nguyen,Loc; Redford,Liane, Method, system and portable consumer device using wildcard values.
  219. Bortolin,Corinne; Nguyen,Loc; Redford,Liane, Method, system and portable consumer device using wildcard values.
  220. Bortolin,Corinne; Nguyen,Loc; Redford,Liane, Method, system and portable consumer device using wildcard values.
  221. Adornato, Rocco L.; Mussman, David C., Methods and apparatus for intelligent selection of goods and services in mobile commerce.
  222. Barker, Thomas B., Methods and apparatus for intelligent selection of goods and services in point-of-sale commerce.
  223. Barker, Thomas B.; Strubbe, Todd B.; Kempkes, Rodney J.; Pettay, Mark J.; Johnson, Robert E., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  224. Katz Ronald A. ; West Gary L. ; Barker Thomas B., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  225. Katz, Ronald A.; West, Gary L.; Barker, Thomas B., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  226. Katz, Ronald A.; West, Gary L.; Barker, Thomas B., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  227. Katz,Ronald A.; West,Gary L.; Barker,Thomas B., Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce.
  228. Strubbe, Todd B.; Adornato, Rocco L., Methods and apparatus for intelligent selection of goods and services offered to conferees.
  229. Strubbe, Todd B; Adornato, Rocco L, Methods and apparatus for intelligent selection of goods and services offered to conferees.
  230. Strubbe,Todd B.; Adornato,Rocco L., Methods and apparatus for intelligent selection of goods and services offered to conferees.
  231. 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.
  232. Cannon, Lee E.; Maroney, Mike; Guinn, Robert; Roemer, Mick D.; Adams, William R.; DeGrandmaison, Jason, Methods and apparatus for providing tickets from gaming devices and/or lottery terminals.
  233. Cannon, Lee E.; Maroney, Mike; Gunn, Robert; Roemer, Mick D.; Adams, William R.; DeGrandmaison, Jason, Methods and apparatus for providing tickets from gaming devices and/or lottery terminals.
  234. Cannon, Lee E.; Maroney, Mike; Guinn, Robert; Roemer, Mick D.; Adams, William R., Methods and apparatus for providing tickets from gaming devices and/or lottery terminals which are not dependent on a player's success on the underlying game.
  235. Cannon, Lee E.; Maroney, Mike; Guinn, Robert; Roemer, Mick D.; Adams, William R., Methods and apparatus for providing tickets from gaming devices and/or lottery terminals which are not dependent on a player's success on the underlying game.
  236. Altschuler Steven J. ; Ingerman David ; Jung Edward K. ; Ridgeway Greg ; Wu Lani F., Methods and apparatus using task models for targeting marketing information to computer users based on a task being performed.
  237. Katz, Ronald A.; West, Gary L.; Barker, Thomas B., Methods and system for providing offers in real time while preserving confidential information.
  238. 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.
  239. Musumeci, Gian-Paolo; Wehner, Kristopher C., Methods and systems for caching data using behavioral event correlations.
  240. Musumeci, Gian-Paolo; Wehner, Kristopher C., Methods and systems for caching data using behavioral event correlations.
  241. Musumeci, Gian-Paolo; Wehner, Kristopher C., Methods and systems for caching data using behavioral event correlations.
  242. Musumeci, Gian-Paolo; Wehner, Kristopher C., Methods and systems for caching data using behavioral event correlations.
  243. Samra,Balwinder S.; Nabe,Oumar, Methods and systems for creating models for marketing campaigns.
  244. Samra,Balwinder S.; Nabe,Oumar, Methods and systems for defining targeted marketing campaigns using embedded models and historical data.
  245. 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.
  246. 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.
  247. Carlson, Mark; Faith, Patrick, Mobile alert transaction system and method.
  248. Carlson, Mark; Ciurea, Peter, Mobile coupon method and system.
  249. Hammad, Ayman; Faith, Patrick, Mobile device including computer readable medium suitable for tax processing and currency conversion.
  250. Wentker, Dave; Wong, Erick; Shenker, Gavin; Deibert, Doug, Mobile payment management.
  251. Frantz, Didier; Kakar, Manik; Muni, Ashish, Mobile payment system using barcode capture.
  252. Bortolin, Corinne; Nguyen, Loc; Redford, Liane, Mobile phone including wildcard data string.
  253. Paintin, Scott; Marr, Lance; Kloosterman, Michelle; Loevenguth, Rebecca; Scott, Diane, Money transfer system and messaging system.
  254. Paintin, Scott; Marr, Lance; Kloosterman, Michelle; Loevenguth, Rebecca; Scott, Diane, Money transfer system and messaging system.
  255. 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.
  256. Rane, Rajendra; Juang, David; Alvarez, Eduardo J.; Fasillo, Iwao, Multidimensional personal behavioral tomography.
  257. Rane, Rajendra; Juang, David; Alvarez, Eduardo J.; Fusillo, Iwao, Multidimensional personal behavioral tomography.
  258. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  259. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  260. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  261. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
  262. Sullivan, Kevin, Mutual fund card method and system.
  263. Redford, Liane; Shimko, Bryan; Nguyen, Loc; Hammad, Ayman, Network centric loyalty system.
  264. Wagner, Richard Hiers, OPEN NETWORK SYSTEM FOR I/O OPERATION INCLUDING A COMMON GATEWAY INTERFACE AND AN EXTENDED OPEN NETWORK PROTOCOL WITH NON-STANDARD I/O DEVICES UTILIZING DEVICE AND IDENTIFIER FOR OPERATION TO BE PERF.
  265. Postrel, Richard, Online reward point exchange method and system.
  266. McGhie, Sean I.; Buchheit, Brian K., Online shopping sites for redeeming loyalty points.
  267. Wagner, Richard Hiers, Open network system and method for I/O operations with non-standard I/O devices using an extended open network protocol.
  268. Spaeth, Paul; Shimko, Bryan; Levy, Philippe; Toibero, Liz; Garton, Benjamin; Black, Marc; Salters, Michael; Mazour, James, Opt-in/opt-out in loyalty system.
  269. Aabye, Christian; Ngo, Hao; Wilson, David William; Zeiden, Gustavo Mariath; Pitchford, Chris; Pirzadeh, Kiushan, Over the air update of payment transaction data stored in secure memory.
  270. Aabye, Christian; Ngo, Hao; Wilson, David William; Zeiden, Gustavo Mariath; Pitchford, Chris; Pirzadeh, Kiushan, Over the air update of payment transaction data stored in secure memory.
  271. Messina, Kevin M., Parsing an identification document in accordance with a jurisdictional format.
  272. Messina, Kevin M., Parsing an identification document in accordance with a jurisdictional format.
  273. Thomas, Tracey R.; Ferrell, Raymond R., Pay yourself first budgeting.
  274. Thomas, Tracey R., Pay yourself first with auto bill pay system and method.
  275. Thomas, Tracey R., Pay yourself first with user guidance.
  276. Patel, Ameet; Holme, Jennifer; Caiazzo, Anthony, Personalized interactive network architecture.
  277. Patel,Ameet; Holme,Jennifer; Caiazzo,Anthony, Personalized interactive network architecture.
  278. Patel, Ameet; Holme, Jennifer; Caiazzo, Anthony, Personalized interactive network with multiple channels coupled to integrated knowledge management system.
  279. Postrel, Richard, Point of sale device for online reward point exchange method and system.
  280. Hertel, Philipp; Lee, Paul; Walfish, Sheldon I.; Hertel, Alexander W.; Viavant, Steven; Moisa, Dan; Sokolov, Gene, Point of sale offer redemptions.
  281. Deaton, David W.; Gabriel, Rodney G., Point-of-sale server and method.
  282. Deaton,David W.; Gabriel,Rodney G., Point-of-sale server and method.
  283. Walker, Jay S.; Tedesco, Daniel E.; Fincham, Magdalena M., Pre-sale data broadcast system and method.
  284. Walker, Jay S.; Tedesco, Daniel E.; Fincham, Magdalena M., Pre-sale data broadcast system and method.
  285. Walker, Jay S.; Tedesco, Daniel E.; Mik, Magdalena, Pre-sale data broadcast system and method.
  286. Walker, Jay. S; Tedesco, Daniel E.; Mik, Magdalena, Pre-sale data broadcast system and method.
  287. 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.
  288. 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.
  289. 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.
  290. 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.
  291. 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.
  292. 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.
  293. Shetty, Arjun; Bowman, Mary Kay; Vosshall, Peter S., Preferred payment type.
  294. LeMay, Steven G.; Nelson, Dwayne R., Presentation of remotely-hosted and locally rendered content for gaming systems.
  295. Walker, Jay S.; Van Luchene, Andrew S.; Suarez, Jose A.; Fincham, Magdalena M.; Alderucci, Dean P., Process and product for enforcing purchase agreements.
  296. Golden,Steven M.; Levin,Hillel; Gentry,Gary D.; Barbour,James A.; Schornberg,Albert; Anderson,Bradley A., Process for the distribution and redemption of coupons.
  297. 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.
  298. 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.
  299. 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.
  300. 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.
  301. Herz, Frederick S. M., Providing customized electronic information.
  302. Granucci, Nicole Janine; Vriheas, Carrie Elaine; Hammad, Ayman, Real-time balance on a mobile phone.
  303. Granucci, Nicole Janine; Vriheas, Carrie Elaine; Hammad, Ayman A., Real-time balance on a mobile phone.
  304. Carlson, Mark; Hammad, Ayman; Faith, Patrick, Real-time balance updates.
  305. Aabye, Christian; Ngo, Hao; Wilson, David William; Mangiagalli, Guido, Recordation of electronic payment transaction information.
  306. Little, William C.; De Waal, Daniel J.; Manfredi, Vincent S.; Bullard, Bryan E.; Iddings, Cara L.; Schneider, Richard J.; LeMay, Steven G.; Beaulieu, Nichole M.; Gipp, David A., Remote content management and resource sharing on a gaming machine and method of implementing same.
  307. Little, William C.; De Waal, Daniel J.; Manfredi, Vincent S.; Bullard, Bryan E.; Iddings, Cara L.; Schneider, Richard J.; LeMay, Steven G.; Beaulieu, Nichole M.; Gipp, David A., Remote content management and resource sharing on a gaming machine and method of implementing same.
  308. Chun, Jay, Remote gaming cash voucher printing system.
  309. McGhie, Sean I.; Buchheit, Brian K., Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds.
  310. McGhie, Sean I.; Buchheit, Brian K., Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds.
  311. Lee,Walter W.; Shoham,Daniel; Wilhelm,Wesley K.; Milana,Joseph P.; Jost,Alan P., Score based decisioning.
  312. Weitzman, Jeffrey; Boal, Steven R., Searching a database including prioritizing results based on historical data.
  313. Weitzman, Jeffrey; Boal, Steven R., Searching a database including prioritizing results based on historical data.
  314. Stahl, Robert; Poblete, Daniel D., Seatback having removable interface for use in providing communication on-board a mobile platform.
  315. Christie, William; Beliveau, Jeffery; Lellouche, Henri, Secure coupon distribution.
  316. Herz, Frederick S. M.; Labys, Walter Paul; Parkes, David C.; Kannan, Sampath; Eisner, Jason M., Secure data interchange.
  317. Katz, Ronald A., Security monitoring system with combined video and graphics display.
  318. Katz, Ronald A., Security monitoring system with flexible monitoring sequence.
  319. Katz, Ronald A., Security monitoring system with image comparison of monitored location.
  320. Blossom, George, Selectable multi-purpose card.
  321. Blossom,George, Selectable multi-purpose card.
  322. McGhie, Sean I.; Buchheit, Brian K., Self-service stations for utilizing non-negotiable credits earned from a game of chance.
  323. Bussey, Mark G.; Zimmerman, Fred C., Software key control for mobile devices.
  324. Bussey, Mark G.; Zimmerman, Fred C., Software key control for mobile devices.
  325. Slater,Kim Michele, Sponsor funded stored value card.
  326. Knackstedt, Lee; Rau, Scott, Stored value card provided with merchandise as rebate.
  327. Sullivan,Kevin, System and method for a card benefit program providing benefits to program members based on program performance.
  328. Sullivan,Kevin, System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance.
  329. de Boer, Elts; Jackson, Glyn Philip; Ramsey, Samuel Martin; Voltmer, Theodore S., System and method for a merchant loyalty system.
  330. de Boer, Elts; Jackson, Glyn Philip; Ramsey, Samuel Martin; Voltmer, Theodore S., System and method for a merchant loyalty system.
  331. Sullivan, Kevin M., System and method for administering a brokerage rebate card program.
  332. Walter Joanne S. ; Schrader David K., System and method for analyzing customer transactions and interactions.
  333. Boal, Steven R; Walsh, Michael, System and method for augmenting content in electronic documents with links to contextually relevant information.
  334. Boal, Steven; Walsh, Michael, System and method for augmenting content in electronic documents with links to contextually relevant information.
  335. Libman, Richard Marc, System and method for automated generation of communications involving products or services.
  336. Libman, Richard Marc, System and method for automated generation of communications involving products or services.
  337. Kaza, Shrinivas K.; McRae, Xuan (Sunny) N.; Subramani, Dillip K.; Roland, Matthew Grant; Lopin, Pavel; Mueller, Georg, System and method for automatically enrolling buyers into a network.
  338. Robinson, Timothy L., System and method for biometric authorization for check cashing.
  339. Boyle, Kevin; Maistre, Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  340. Boyle,Kevin; Maistre,Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
  341. Mandelbaum, Frank; Embry, Russell T., System and method for comparing documents.
  342. Walsh, Michael; Keswani, Ravi; Babu, Manicka; Reihaneh, Nahrin; Li, Bingwu, System and method for controlling use of a network resource.
  343. 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.
  344. 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.
  345. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J.; Watson, Timothy Neil, System and method for depositing negotiable instruments.
  346. Brown, Karen Lavern; Manarky, Lisa Kim, System and method for electronic bill pay and presentment.
  347. Meyer, Shannon D.; Haggerty, Margaret A.; Schwabinger, Rick, System and method for electronic remittance of funds.
  348. Wagner, Richard Hiers, System and method for enabling transactions between a web server and a smart card, telephone, or personal digital assistant over the internet.
  349. Wagner, Richard Hiers, System and method for enabling transactions between a web server and an automated teller machine over the internet.
  350. Arnold, Brian L.; Simpson, Paul H.; Fitzgerald, Thomas Steven; Lo, Pik Kwan; Wilson, James K.; Brockwell, John C.; Quinn, Michael F., System and method for enhancing supply chain transactions.
  351. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  352. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  353. Sanders, Shelley F.; Bowers, Theodore, System and method for funding a collective account.
  354. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  355. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
  356. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  357. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  358. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  359. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
  360. Rothman, Michael J.; Witsil, Kathleen H.; Nanek, David W., System and method for gathering and standardizing customer purchase information for target marketing.
  361. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  362. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  363. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
  364. Taylor, Robert Cameron; Pilarcik, Jeffrey J.; Ley, Paula M., System and method for granting promotional rewards to both customers and non-customers.
  365. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  366. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
  367. Sheley, William S., System and method for granting promotional rewards to financial account holders.
  368. Borgia,Evelyn; Miller,Jodi; De Gottal,Graham; O'Connor,Christine, System and method for managing global risk.
  369. Breslin, Jodi; Borgia, Evelyn; de Gottal, Graham, System and method for managing risks associated with outside service providers.
  370. Beard, Mark L, System and method for measuring and utilizing pooling analytics.
  371. Beard, Mark L., System and method for measuring and utilizing pooling analytics.
  372. Haines, Mark; Ferrell, Raymond R; Ariff, Fauziah B; Voltmer, Theodore S, System and method for monitoring consumer purchasing activity.
  373. Feingold, Vincent, System and method for multi-dimensional risk analysis.
  374. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J.; Watson, Timothy Neil, System and method for negotiable instrument cashing fee setup by type.
  375. Robinson, Timothy L.; Schildt, Bradford R.; Goff, Tennille V.; Corwin, Daniel J.; Watson, Timothy Neil, System and method for negotiable instrument cashing transaction assistance procedures.
  376. Scott, Kelly W., System and method for network-based project management.
  377. 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.
  378. 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.
  379. 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.
  380. 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.
  381. 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.
  382. Haines,Mark; Ferrell,Raymond R.; Ariff,Fauziah; Voltmer,Theodore S., System and method for networked loyalty program.
  383. Voltmer, Theodore S.; Ariff, Fauziah B., System and method for networked loyalty program.
  384. Voltmer, Theodore S.; Ariff, Fauziah B., System and method for networked loyalty program.
  385. Voltmer,Theodore S.; Ariff,Fauziah B., System and method for networked loyalty program.
  386. Voltmer,Theodore S.; Ariff,Fauziah B., System and method for networked loyalty program.
  387. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
  388. Das, Jayanta, System and method for offering risk-based interest rates in a credit instutment.
  389. Walker Jay S. ; Jorasch James A. ; Jindal Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  390. Walker, Jay S.; Jorasch, James A.; Jindal, Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  391. Walker, Jay S.; Jorasch, James A.; Jindal, Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  392. Walker, Jay S.; Jorasch, James A.; Jindal, Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  393. Walker,Jay S.; Jorasch,James A.; Jindal,Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  394. Walker,Jay S.; Jorasch,James A.; Jindal,Sanjay K., System and method for performing lottery ticket transactions utilizing point-of-sale terminals.
  395. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  396. Singh, Shantnu, System and method for processing payment transaction receipts.
  397. Singh, Shantnu, System and method for processing payment transaction receipts.
  398. Sorem, Steve, System and method for processing transactions.
  399. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  400. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  401. Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
  402. Bednarek, Michael David, System and method for promoting commerce, including sales agent assisted commerce, in a networked economy.
  403. Mears, Stuart Andrew, System and method for providing a financial transaction instrument with user-definable authorization criteria.
  404. Mears, Stuart Andrew, System and method for providing a financial transaction instrument with user-definable authorization criteria.
  405. Herz, Frederick; Ungar, Lyle; Zhang, Jian; Wachob, David, System and method for providing access to data using customer profiles.
  406. 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.
  407. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  408. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  409. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  410. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  411. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Dame, Kevin Thomas; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  412. Vicente, Maria Teresita; Dragotta, Frank Cawley; Field, Manning R.; Koppenhaver, Joy Lynn; Moed, James Samuel; Jacoby, Ryan Alan; Groulx, Ian Michael; Emerson, Heather Margaret; McGarry, Jennifer C., System and method for providing borrowing schemes.
  413. Mortimer, Lawrence, System and method for providing cross-merchandising incentives in specialty departments.
  414. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  415. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  416. Murphy, Thomas P.; Baker, Steven D.; Epstein, Howard I., System and method for providing incentives to purchasers.
  417. Murphy, Thomas P.; Baker, Steven D.; Epstein, Howard I., System and method for providing incentives to purchasers.
  418. Hamilton, Stacy M.; Rossiter, Janet L., System and method for providing promotional pricing.
  419. 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.
  420. 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.
  421. 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.
  422. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  423. Kruppa, Hannes Martin, System and method for recovering image detail from multiple image frames in real-time.
  424. Ariff, Fauziah B.; Bishop, Fred; Neemann, Trey; Voltmer, Theodore S., System and method for securing data through a PDA portal.
  425. Bishop, Fred; Neemann, Trey; Voltmer, Theodore S; Ariff, Fauziah B, System and method for securing data through a PDA portal.
  426. Bishop,Fred; Neemann,Trey; Voltmer,Theodore S.; Ariff,Fauziah B., System and method for securing data through a PDA portal.
  427. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  428. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  429. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  430. Martino, Paul; Musumeci, Gian-Paolo; Wehner, Kristopher C., System and method for the dynamic generation of correlation scores between arbitrary objects.
  431. Martino, Paul; Musumeci, Gian-Paolo; Wehner, Kristopher C., System and method for the dynamic generation of correlation scores between arbitrary objects.
  432. Antonucci, Donna; Voltmer, Theodore S., System and method for the real-time transfer of loyalty points between accounts.
  433. Antonucci,Donna; Voltmer,Theodore S., System and method for the real-time transfer of loyalty points between accounts.
  434. Antonucci, Donna A.; Voltmer, Theodore S., System and method for the transfer of loyalty points.
  435. Senghore, Medina J.; Thomas, Tracey R.; Ariff, Fauziah, System and method for tiered filtering of purchase transactions.
  436. Senghore, Medina J.; Thomas, Tracey R.; Ariff, Fauziah, System and method for tiered filtering of purchase transactions.
  437. Wagner, Richard Hiers, System and method for transacting communication over an open network.
  438. Rau, Scott W.; Bertetti, Scott Philip; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  439. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
  440. Fellner,Debra C., System and method for using a stored value account having subaccount feature.
  441. 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.
  442. Bauer,James L.; Masella,Margaret, System and method of operating a debit card reward program.
  443. Fraser, Stuart A.; Ginsberg, Philip M.; Kirwin, Glenn D.; Lutnick, Howard W., System and method that provide incentives to qualified users of an electronic trading system.
  444. Freund, Peter C., System and process for performing purchase transactions using tokens.
  445. Stout, J. Gregory, System for consumer-transaction information that follows the consumer.
  446. Wagner, Richard Hiers, System for enabling smart card transactions to occur over the internet and associated method.
  447. Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
  448. Walker, Jay S.; Tedesco, Daniel E., System for vending physical and information items.
  449. Pettay, Mark J; Kempkes, Rodney J, System, method, and business method for settling micropayment transactions to a pre-paid instrument.
  450. Libman, Richard Marc, System, method, and computer program product for selecting and presenting financial products and services.
  451. Deaton, David W.; Wood, Robert Scott, System, method, and database for processing transactions.
  452. Rowe, III, James C.; Williams, Warren K., Systems and methods for alerting pharmacies of formulary alternatives.
  453. Segura, Michele, Systems and methods for automated benefit verification and application.
  454. Segura, Michele, Systems and methods for automated benefit verification and application.
  455. Segura, Michele, Systems and methods for automated benefit verification and application.
  456. Segura, Michele, Systems and methods for automated benefit verification and application.
  457. Segura, Michele, Systems and methods for automated benefit verification and application.
  458. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  459. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  460. Segura, Michele, Systems and methods for automated reward redemption.
  461. Segura, Michele, Systems and methods for automated reward redemption.
  462. Segura, Michele, Systems and methods for automated reward redemption.
  463. Anderson, Russell Wayne, Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data.
  464. Liu, David; Reisz, Sean Daniel; Picard, Thomas A., Systems and methods for determining prescribing physician activity levels.
  465. Fraser, Stuart A.; Ginsberg, Philip M.; Kirwin, Glenn D.; Lutnick, Howard W., Systems and methods for electronic trading that provide incentives and linked auctions.
  466. Fraser,Stuart A.; Ginsberg,Philip M.; Kirwin,Glenn D.; Lutnick,Howard W., Systems and methods for electronic trading that provide incentives and linked auctions.
  467. Pinsonneault, Roger, Systems and methods for facilitating claim rejection resolution by providing prior authorization assistance.
  468. Troutt, Paul; Sarathi, Nikhil; Smith, Marty, Systems and methods for facilitating healthcare provider enrollment with one or more payers.
  469. Casu, Jennifer Michelle, Systems and methods for facilitating the establishment of pharmaceutical rebate agreements.
  470. Engler, Jeffery T.; Engler, Lee J.; Newman, Leonard M., Systems and methods for generating custom reports based on point-of-sale data.
  471. Carlson, Mark; Faith, Patrick, Systems and methods for geographic location notifications of payment transactions.
  472. George,Colleen; Cawthorne,John, Systems and methods for integrating loyalty and stored-value programs.
  473. George, Colleen; Cawthorne, John, Systems and methods for operating loyalty programs.
  474. Cowell,James E.; Karas,Peter M.; Demark,Michele; Lyon,Karen, Systems and methods for ordering and distributing incentive messages.
  475. Hong, Xiao; Song, Xiaolan; Dong, Xin; Fei, Huchen; Wang, Lihua, Systems and methods for performing scoring optimization.
  476. Ringold, James Morgan, Systems and methods for providing notifications of availability of generic drugs or products.
  477. Kaye, Elizabeth S.; Liggin, Reed; Dennis, John Taylor; Reisz, Sean Daniel; Sauers, Jeffrey Scott; Williams, Jessica Landisman; Smith, Charles David, Systems and methods for providing patient medication history.
  478. Mi, Zhe Cheng; Russell, Rita Sue, Systems and methods for real-time monitoring and analysis of prescription claim rejections.
  479. Wiley, II, Joseph Lee; Burkett, Kenneth E., Systems and methods for shifting prescription market share by presenting pricing differentials for therapeutic alternatives.
  480. Carlson, Mark; Bebenita, Dan; Keshan, Surendra; Stan, Patrick, Systems and methods for sorting alert and offer messages on a mobile device.
  481. Carlson, Mark; Bebenita, Dan; Keshan, Surendra; Stan, Patrick, Systems and methods for sorting alert and offer messages on a mobile device.
  482. Carlson, Mark; Bebenita, Dan; Keshan, Surendra; Stan, Patrick, Systems and methods for sorting alert and offer messages on a mobile device.
  483. Ringold, James Morgan, Systems and methods for the coordination of benefits in healthcare claim transactions.
  484. Harris, Sr., Patrick; Pinsonneault, Roger, Systems and methods for the intelligent coordination of benefits in healthcare transactions.
  485. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
  486. Carlson, Mark; Faith, Patrick, Systems and methods for visual representation of offers.
  487. Bertha, Brian; Weinstein, David, Systems, methods, and apparatuses for barcoded service requests and responses associated with healthcare transactions.
  488. Heiser, II, Russel Robert; Shahan, Nathan W.; Relyea, John F., Targeted marketing to on-hold customer.
  489. Gentry, David; Martin, Mike, Technique for financial account information processing.
  490. Field, Manning R.; Reinhard, Walter Brent, Transaction device.
  491. Fernando,Llavanya; Wang,Nathan C.; Soysa,G.F.R. Sulak, Transaction device with noise signal encryption.
  492. DeLoach, John Mark, Universal payment protection.
  493. DeLoach, John Mark, Universal payment protection.
  494. DeLoach, John Mark, Universal payment protection.
  495. McGhie, Sean I.; Buchheit, Brian K., User interface for the exchange of non-negotiable credits for entity independent funds.
  496. Zito, Jr., Arthur J., User-specific dispensing system.
  497. Zito, Jr.,Arthur J., User-specific dispensing system.
  498. Martino, Paul J., Using cross-site relationships to generate recommendations.
  499. Simons, Paul, Variable rate payment card.
  500. Simons, Paul, Variable rate payment card.
  501. Walker, Jay S.; Tedesco, Daniel E.; Van Luchene, Andrew S.; Bemer, Keith, Vending machine system and method for encouraging the purchase of profitable items.
  502. Walker,Jay S.; Tedesco,Daniel E.; Van Luchene,Andrew S.; Bemer,Keith, Vending machine system and method for encouraging the purchase of profitable items.
  503. Myers, Joan; Garrison, Sara; Carlson, Mark, Wireless payment method and systems.
  504. Myers, Joan; Garrison, Sara; Carlson, Mark, Wireless payment method and systems.
  505. Myers, Joan; Garrison, Sara; Carlson, Mark, Wireless payment method and systems.
  506. Myers, Joan; Garrison, Sara; Carlson, Mark S., Wireless payment method and systems.
  507. Myers,Joan; Garrison,Sara; Carlson,Mark Steven, Wireless payment method and systems.
  508. Myers, Joan; Garrison, Sara, Wireless portable consumer electronics device facilitating multi-range transactions.
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