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Method and system for processing customized reward offers 원문보기

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/60
출원번호 US-0921868 (1997-08-28)
발명자 / 주소
  • Walker Jay S.
  • Jindal Sanjay K.
  • Weir-Jones Toby
출원인 / 주소
  • Walker Asset Management Limited Partnership
대리인 / 주소
    Alderucci
인용정보 피인용 횟수 : 441  인용 특허 : 11

초록 ▼

The present invention is a method is for providing and managing a customized reward offer to a holder of a financial account. The method includes the step of accessing historical account data associated with the financial account. The method further includes the step of determining a first performan

대표청구항 ▼

[ We claim:] [46.] A computer-readable storage medium encoded with processing instructions for implementing a method for providing a customized reward offer with a credit card account, said processing instructions for directing a computer to perform the steps of:accessing historical account data ass

이 특허에 인용된 특허 (11)

  1. Schultz John (Stamford CT) Irion Donald (Westport CT), Automated purchase reward accounting system and method.
    상세보기
  2. Burke Bertram V. (No. Plainfield NJ), Automatic philanthropic contribution system.
    상세보기
  3. McCarthy Patrick D. (4384 Bowling Blvd. Louisville KY 40207), Centralized consumer cash value accumulation system for multiple merchants.
    상세보기
  4. Hovakimian Henry (9635 La Cima Dr. Whittier CA 90603), Credit/charge card system enabling purchasers to contribute to selected charities.
    상세보기
  5. Christensen Scott N. ; Ingwersen David D., Electric couponing method and apparatus.
    상세보기
  6. Suzuki Yasuo (Nagaokakyo JPX), Electronic cash register having discount prices selected by customer level.
    상세보기
  7. Kanter Mark W. (Lyndhurst NJ), Referral recognition system for an incentive award program.
    상세보기
  8. Burton James F. (Ladue MO) Henke Daniel L. (St. Louis MO), System and method for administration of incentive award program through use of credit.
    상세보기
  9. Heintzeman Scott B. (Plymouth MN) Storey Thomas W. (Minneapolis MN) Monson Barbara (Oceanside CA) Medina Steven J. (San Diego CA) Malark Gregory A. (Maple Grove MN), System for awarding credits to persons who book travel-related reservations.
    상세보기
  10. Von Kohorn Henry (945 Treasure La. Vero Beach FL 32963), System for merchandising and the evaluation of responses to broadcast transmissions.
    상세보기
  11. Hoffman Frank (1760 Willow Rd. Hillsborough CA 94010), System for promoting account activity.
    상세보기

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  137. Anderson, Milton M., Method and system for implementing effective governance of transactions between trading partners.
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  138. Anderson, Milton M., Method and system for implementing effective governance of transactions between trading partners.
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  139. Jay S. Walker ; Sanjay K. Jindal ; Toby Weir-Jones, Method and system for processing customized reward offers.
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  140. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments.
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  141. Fogliano, Frank J.; Gniewosz, Dennis J.; Trupia, Paul Gerard; Striano, Riccardo M., Method and system for processing recurring payments.
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  142. Freund, Peter C., Method and system for providing electronic bill payment and presentment.
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  143. Michael Loeb ; Michael Borchetta, Method and system for qualifying consumers for trade publication subscriptions.
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  144. Barnes, Brian T.; Bonalle, David S.; Saunders, Peter D., Method and system for resource management and evaluation.
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  145. Lefebvre, Christopher R.; Konen, Sr., Christopher James; Keane, Matthew Joseph; Budischak, Elissa, Method and system for retaining customer loyalty.
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  146. Barnes, Brian; Bonalle, David S.; Saunders, Peter D., Method and system for tracking user performance.
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  147. Barnes,Brian; Bonalle,David S.; Saunders,Peter D., Method and system for tracking user performance.
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  148. Narayanan,Lakshmi, Method for controlled and audited access to privileged accounts on computer systems.
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  149. Moyerson,Jean Francois, Method of offering free products or services over the internet.
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  150. Aabye, Christian; Ngo, Hao; Wilson, David, Method of performing transactions with contactless payment devices using pre-tap and two-tap operations.
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  151. Samson,Ben Simon; La Forest,Jeffrey Paul; Hornsby, Jr.,Robert Preston, Method of providing online incentives.
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  152. Gottlieb, Jill E.; Villegas, Rene Jesus; Bjorkman, Lincoln T.; Chase, Eunice E.; Chung, Min S.; Gallagher, Brendan M.; Hess, Whitney G.; Kaiser, Nori S.; Kierstead, Nicholas E.; LaFauci, Richard; Laughren, Judith; Perez, Grace Cham; Young, John A., Method, system, and computer program product for card selector tool.
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  153. Peart, Lee J.; Saunders, Peter D., Methods and apparatus for a secure proximity integrated circuit card transactions.
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  154. Jebb, Douglas Schoellkopf; Byrne, James Everett, Methods and apparatus for evaluating a user's affinity for a property.
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  155. Haney, Richard D., Methods and apparatuses for geospatial-based sharing of information by multiple devices.
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  156. Haney, Richard D., Methods and apparatuses for transmission of an alert to multiple devices.
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  157. Czyzewski, Nathan T., Methods and systems for adjusting account terms based on purchase transaction information.
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  158. Czyzewski, Nathan T., Methods and systems for adjusting account terms based on purchase transaction information.
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  159. Haney, Richard D., Methods and systems for annotating target locations.
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  160. Bowie Britton,Simon, Methods and systems for managing successful completion of a network of processes.
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  161. Haney, Richard D., Methods and systems for sharing position data and tracing paths between mobile-device users.
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  162. Haney, Richard D., Methods and systems for sharing position data between subscribers involving multiple wireless providers.
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  163. Haney, Richard D., Methods and systems for temporarily sharing position data between mobile-device users.
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  164. Haney, Richard D., Methods and systems for temporarily sharing position data between mobile-device users.
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  165. Haney, Richard D., Methods, systems and apparatuses for the formation and tracking of location sharing groups.
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  166. Haney, Richard D., Methods, systems and apparatuses for the formation and tracking of location sharing groups.
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  167. Carlson, Mark; Ciurea, Peter, Mobile coupon method and system.
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  168. Hammad, Ayman; Faith, Patrick, Mobile device including computer readable medium suitable for tax processing and currency conversion.
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  169. Wentker, Dave; Wong, Erick; Shenker, Gavin; Deibert, Doug, Mobile payment management.
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  170. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
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  171. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
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  172. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
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  173. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
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  174. Sullivan, Kevin, Mutual fund card method and system.
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  175. Postrel, Richard, Online reward point exchange method and system.
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  176. McGhie, Sean I.; Buchheit, Brian K., Online shopping sites for redeeming loyalty points.
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  177. 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.
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  178. 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.
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  179. Thomas, Tracey R.; Ferrell, Raymond R., Pay yourself first budgeting.
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  180. Thomas, Tracey R., Pay yourself first with auto bill pay system and method.
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  181. Thomas, Tracey R., Pay yourself first with user guidance.
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  182. Postrel, Richard, Point of sale device for online reward point exchange method and system.
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  183. Benson, Glenn Stuart; Calaceto, Joseph R.; Logar, Russell M., Portable security transaction protocol.
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  184. McClung, Guy, Price guarantee methods and systems.
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  185. McClung, III, Guy Lamonte, Price guarantee methods and systems.
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  186. Westendorf, Frank; Ihle, Michael; Wiesner, Lars, Process for computer-implemented management of one or more target agreements and a target agreement computer system.
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  187. Bishop, Fred; Saunders, Peter D., Processing an RF transaction using a routing number.
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  188. 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.
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  189. 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.
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  190. 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.
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  191. Brown,Michael Wayne; McIntyre,Joseph Herbert; Paolini,Michael A.; Weaver,James Mark; Winters,Scott Lee, Promoting caller voice browsing in a hold queue.
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  192. Zouiten, Yassir; Sletten, Dorilyn Lee, Promotion generation engine for a money transfer system.
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  193. Zouiten, Yassir; Sletten, Dorilyn Lee, Promotion generation engine for a money transfer system.
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  194. Zouiten, Yassir; Sletten, Dorilyn Lee, Promotion generation engine for a money transfer system.
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  195. Zouiten, Yassir; Sletten, Dorilyn Lee, Promotion generation engine for a money transfer system.
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  196. Marsh, William; DeCesaris, Wayne, Providing a rebate to a user of a telecommunication plan.
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  197. Vogt,David, Provision of transparent proxy services to a user of a client device.
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  198. Morris, Michael; Schultz, Stephanie; Tsangaris, Ilias; Wolf, David; Yu, Michael, Purchase instructions complying with reservation instructions.
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  199. Saunders, Peter D, RF transaction system and method for storing user personal data.
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  200. Granucci, Nicole Janine; Vriheas, Carrie Elaine; Hammad, Ayman, Real-time balance on a mobile phone.
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  201. Granucci, Nicole Janine; Vriheas, Carrie Elaine; Hammad, Ayman A., Real-time balance on a mobile phone.
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  202. Carlson, Mark; Hammad, Ayman; Faith, Patrick, Real-time balance updates.
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  203. Aabye, Christian; Ngo, Hao; Wilson, David William; Mangiagalli, Guido, Recordation of electronic payment transaction information.
    상세보기
  204. Bishop, Fred; Saunders, Peter D, Recurrent billing maintenance with radio frequency payment devices.
    상세보기
  205. Bies, Maureen J.; Hawley, Bradford P., Redemption of credit card rewards at a point of sale.
    상세보기
  206. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Registering a biometric for radio frequency transactions.
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  207. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Registering a biometric for radio frequency transactions.
    상세보기
  208. Berardi, Michael J.; Bliman, Michal; Bonalle, David; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Mayers, Alexandra; Perry, Trevor J.; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; VonWald, Kristin L.; Williamson, John R., Reload protocol at a transaction processing entity.
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  209. Kissner,Matthew S.; Weiss,Kevin S., Remote postage meter resetting system having rebate generating capabilities.
    상세보기
  210. Haney, Richard D., Rendez vous management using mobile phones or other mobile devices.
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  211. Haney, Richard D., Rendez vous management using mobile phones or other mobile devices.
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  212. Haney, Richard D., Rendez vous management using mobile phones or other mobile devices.
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  213. Ciancio, David; Freeman, Gregory J.; Korfhagen, Edward J.; Schiesler, James E.; Stern, Richard P.; Wall, Stephen L.; Coy, Adrian; Hay, Simon; Hinds, Mark; Myatt, Sarah, Reward system.
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  214. McGhie, Sean I.; Buchheit, Brian K., Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds.
    상세보기
  215. McGhie, Sean I.; Buchheit, Brian K., Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds.
    상세보기
  216. Bonalle, David S; Isenberg, Susan E; Saunders, Peter D; Williamson, John R, Securing RF transactions using a transactions counter.
    상세보기
  217. McGhie, Sean I.; Buchheit, Brian K., Self-service stations for utilizing non-negotiable credits earned from a game of chance.
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  218. Runkle, Angela M.; Gerety, Adam C.; Dalton, Douglas D.; Depolis, Daniel H.; Wagner, Jacob W., Send and receive side control of money transfer parameters.
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  219. Honarvar, Laurence, Simultaneous customer/account strategy execution in a decision management system.
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  220. Bonalle,David S.; Salow,Glen, Smartcard transaction method and system using voiceprint recognition.
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  221. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
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  222. Bonalle, David S.; Salow, Glen, Smartcard transaction system and method.
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  223. Wolf, David; Tiku, Sripriya V.; Roen, Scott M.; Russo, Jennifer M., System and method for E-mail based rewards.
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  224. de Boer, Elts; Jackson, Glyn Philip; Ramsey, Samuel Martin; Voltmer, Theodore S., System and method for a merchant loyalty system.
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  225. de Boer, Elts; Jackson, Glyn Philip; Ramsey, Samuel Martin; Voltmer, Theodore S., System and method for a merchant loyalty system.
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  226. Durvasula, Sastry; Gebb, Luke; Koul, Priyadarshini; Morris, Michael; Newhouse, Sherree; Puranik, Manjushri; Roen, Scott; Russo, Jennifer; Tiku, Sripriya; Wilmes, Robert; Wolf, David; Muthukrishnan, Sathish, System and method for administering marketing programs.
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  227. Mogler, Brian; Winterton, Andrew, System and method for airline purchasing program management.
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  228. Benson, Glenn S., System and method for anti-phishing authentication.
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  229. Benson, Glenn S., System and method for anti-phishing authentication.
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  230. Benson, Glenn S., System and method for anti-phishing authentication.
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  231. Benson, Glenn S., System and method for anti-phishing authentication.
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  232. Gendler, Joseph, System and method for automatic financial project management.
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  233. Matthews, Bradley Owen; Bishop, Fred, System and method for automatic reconciliation of transaction account spend.
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  234. 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.
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  235. Morris, Michael; Schultz, Stephanie; Tsangaris, Ilias; Wolf, David; Yu, Michael, System and method for creating reservations.
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  236. Berland, Leslie; Evans, Pepper; Kulkarni, Neha; Morris, Michael; Muthukrishnan, Sathish; Norman, Philip; Scala, Jed; Schultz, Stephanie; Tsangaris, Ilias; Wolf, David, System and method for creating spend verified reviews.
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  237. 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.
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  238. 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.
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  239. Bonalle, David S.; Larkin, Carl; Saunders, Peter D., System and method for dynamic fob synchronization and personalization.
    상세보기
  240. Brown, Karen Lavern; Manarky, Lisa Kim, System and method for electronic bill pay and presentment.
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  241. Acharya, Ravi V., System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image.
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  242. Acharya, Ravi V., System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image.
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  243. Meyer, Shannon D.; Haggerty, Margaret A.; Schwabinger, Rick, System and method for electronic remittance of funds.
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  244. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Saunders, Peter D., System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions.
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  245. 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.
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  246. 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.
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  247. 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.
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  248. 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.
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  249. Hessburg, Matthew Benedict; Rappleyea, Andrew W.; Rodriguez, Sunen; Sanoff, Julie; Silverstein, Andrea N., System and method for exchanging loyalty points for acquisitions.
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  250. Hessburg, Matthew Benedict; Rappleyea, Andrew W.; Rodriguez, Sunen; Sanoff, Julie; Silverstein, Andrea N., System and method for exchanging loyalty points for acquisitions.
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  251. Hessburg, Matthew Benedict; Rappleyea, Andrew W.; Rodriguez, Sunen; Sanoff, Julie; Silverstein, Andrea N., System and method for exchanging loyalty points for acquisitions.
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  252. Winterton, Andrew; Iyer, Meera, System and method for facilitating transactions among consumers and providers of travel services.
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  253. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
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  254. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
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  255. Ang, Mark; Choudhuri, Boudhayan; Kaplan, Jessica; Lowy, David; Narayan, Gyanesh; Nielsen, Eric; Vega, Christine, System and method for flexible deferred payment terms.
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  256. Ang, Mark; Choudhuri, Boudhayan; Kaplan, Jessica; Lowy, David; Narayan, Gyanesh; Nielsen, Eric; Vega, Christine, System and method for flexible election of payment terms.
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  257. Ang, Mark; Choudhuri, Boudhayan; Kaplan, Jessica; Lowy, David; Narayan, Gyanesh; Nielsen, Eric; Vega, Christine, System and method for flexible payment terms.
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  258. Ang, Mark; Choudhuri, Boudhayan; Kaplan, Jessica; Lowy, David; Narayan, Gyanesh; Nielsen, Eric; Vega, Christine, System and method for flexible payment terms.
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  259. Ang, Mark; Choudhuri, Boudhayan; Kaplan, Jessica; Lowy, David; Narayan, Gyanesh; Nielsen, Eric; Vega, Christine, System and method for flexible payment terms.
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  260. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
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  261. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
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  262. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
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  263. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
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  264. Peart, Lee J; Saunders, Peter D, System and method for generating an unpredictable number using a seeded algorithm.
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  265. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
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  266. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
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  267. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
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  268. Strock, Bradley R.; Hooper, Lynn; Glavin, Eugene M.; Bressler, Beth L., System and method for granting promotional rewards to credit account holders.
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  269. Sobalvarro, Patrick G.; Weber, Tracey D.; Krymm, Alexander R., System and method for grouping and selling products or services.
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  270. Sobalvarro,Patrick G.; Weber,Tracey D.; Krymm,Alexander R., System and method for grouping and selling products or services.
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  271. Wooters, D. Stephen; Power, David W., System and method for issuing rewards to card holders.
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  272. Saunders, Peter D, System and method for managing a transaction protocol.
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  273. Walker, Jay S.; Jindal, Sanjay K.; Weir-Jones, Toby; Tulley, Stephen C.; Downs, Michael D., System and method for managing customized reward offers.
    상세보기
  274. Walker, Jay S.; Jindal, Sanjay K.; Weir-Jones, Toby; Tulley, Stephen C.; Downs, Michael D., System and method for managing customized reward offers.
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  275. Walker, Jay S.; Jindal, Sanjay K.; Weir-Jones, Toby; Tulley, Stephen C.; Downs, Michael D., System and method for managing customized reward offers.
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  276. Walker,Jay S.; Jindal,Sanjay K.; Weir Jones,Toby; Tulley,Stephen C.; Downs,Michael D., System and method for managing customized reward offers.
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  277. White, Robert D., System and method for managing dedicated use of a credit account.
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  278. White, Robert D., System and method for managing dedicated use of a credit account.
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  279. Beard, Mark L, System and method for measuring and utilizing pooling analytics.
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  280. Beard, Mark L., System and method for measuring and utilizing pooling analytics.
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  281. Haines, Mark; Ferrell, Raymond R; Ariff, Fauziah B; Voltmer, Theodore S, System and method for monitoring consumer purchasing activity.
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  282. Scott, Kelly W., System and method for network-based project management.
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  283. 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.
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  284. 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.
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  285. 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.
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  286. 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.
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  287. 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.
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  288. Haines,Mark; Ferrell,Raymond R.; Ariff,Fauziah; Voltmer,Theodore S., System and method for networked loyalty program.
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  289. Voltmer, Theodore S.; Ariff, Fauziah B., System and method for networked loyalty program.
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  290. Voltmer, Theodore S.; Ariff, Fauziah B., System and method for networked loyalty program.
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  291. Voltmer,Theodore S.; Ariff,Fauziah B., System and method for networked loyalty program.
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  292. Voltmer,Theodore S.; Ariff,Fauziah B., System and method for networked loyalty program.
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  293. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
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  294. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.
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  295. Benson, Glenn Stuart; Croston, Sean, System and method for partner key management.
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  296. Lam, Duc; Shanbhogue, Ramnath; Kan, Immanuel; Moore, Robert; McRae, Xuan, System and method for payer (buyer) defined electronic invoice exchange.
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  297. Lam, Duc; Shanbhogue, Ramnath; Kan, Immanuel; Moore, Robert; McRae, Xuan (Sunny), System and method for payer (buyer) defined electronic invoice exchange.
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  298. Skingle, Bruce James, System and method for portal infrastructure tracking.
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  299. Skingle,Bruce James, System and method for portal infrastructure tracking.
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  300. Wolf, David; Tiku, Sripriya V.; Roen, Scott M.; Russo, Jennifer M., System and method for prepaid rewards.
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  301. Wolf, David; Tiku, Sripriya V.; Roen, Scott M.; Russo, Jennifer M., System and method for prepaid rewards.
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  302. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
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  303. Smith, Jeremy A.; Adams, Kathleen; Jarosz, Mike; Angton, Etta J.; Everly, Greg; Holt, Robert K.; Lingerfelt, Daniel, System and method for pricing of merchant accounts.
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  304. Smith, Jeremy A.; Adams, Kathleen; Jarosz, Mike; Angton, Etta J.; Everly, Greg; Holt, Robert K.; Lingerfelt, Daniel, System and method for pricing of merchant accounts.
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  305. Smith, Jeremy A.; Adams, Kathleen; Jarosz, Mike; Angton, Etta J.; Everly, Greg; Holt, Robert K.; Lingerfelt, Daniel, System and method for pricing of merchant accounts.
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  306. Giordano, Joseph A.; Travis, Tory N.; Garbarino, Louis C., System and method for processing financial transactions.
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  307. Giordano, Joseph; Murray, Jack, System and method for processing financial transactions.
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  308. Sorem, Steve, System and method for processing transactions.
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  309. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
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  310. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
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  311. Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
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  312. Fitzgerald, Matt; Garcia, Philip A.; Schultz, Debbie L.; Laughlin, Michael Keith, System and method for processing trip requests.
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  313. Fitzgerald, Matt; Garcia, Philip A.; Schultz, Debbie L.; Laughlin, Michael Keith, System and method for processing trip requests.
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  314. Fitzgerald, Matt; Garcia, Philip A.; Schultz, Debbie L.; Laughlin, Michael Keith, System and method for processing trip requests.
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  315. Fitzgerald, Matt; Garcia, Philip A.; Schultz, Debbie L.; Laughlin, Michael Keith, System and method for processing trip requests.
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  316. Fitzgerald, Matt; Garcia, Philip A.; Schultz, Debbie L.; Laughlin, Michael Keith, System and method for processing trip requests.
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  317. Mears, Stuart Andrew, System and method for providing a financial transaction instrument with user-definable authorization criteria.
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  318. Mears, Stuart Andrew, System and method for providing a financial transaction instrument with user-definable authorization criteria.
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  319. Satyavolu, Ramakrishna V.; Kothari, Samir; Daredia, Shehzad, System and method for providing a savings opportunity in association with a financial account.
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  320. Satyavolu, Ramakrishna V.; Kothari, Samir; Daredia, Shehzad, System and method for providing a savings opportunity in association with a financial account.
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  321. 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.
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  322. 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.
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  323. 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.
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  324. 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.
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  325. 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.
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  326. 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.
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  327. Gebb, Luke; Muthukrishnan, Sathish B.; Tiku, Sripriya; Wolf, David, System and method for providing coupon-less discounts based on a user broadcasted message.
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  328. Gebb, Luke; Muthukrishnan, Sathish B.; Tiku, Sripriya; Wolf, David, System and method for providing coupon-less discounts based on a user broadcasted message.
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  329. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
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  330. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
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  331. Rosko,Robert; Ampani,Kumar, System and method for providing customers with seamless entry to a remote server.
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  332. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
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  333. Bowers,Theodore J.; Ilijasic,Dean; Sanders,Shelley F., System and method for providing discriminated content to network users.
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  334. Gendler,Joseph, System and method for providing funding approval associated with a project based on a document collection.
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  335. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
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  336. Tiku, Sripriya; Tully, Peter; Wolf, David, System and method for providing international coupon-less discounts.
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  337. Tiku, Sripriya; Tully, Peter; Wolf, David, System and method for providing international coupon-less discounts.
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  338. Berland, Leslie; Forman, Shari; Gebb, Luke; Koul, Priyadarshini; Muthukrishnan, Sathish; Russo, Jennifer; Tiku, Sripriya; Wolf, David, System and method for providing offers through a social media channel.
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  339. Satyavolu, Ramakrishna; Kothari, Samir; Daredia, Shehzad, System and method for providing socially enabled rewards through a user financial instrument.
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  340. Evans, Steven E.; Pierce, Suzanne Dallmeyer, System and method for providing supplemental payment or transaction information.
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  341. King, Kathleen; Miller, Matthew; Muthukrishnan, Sathish; Norman, Philip; Prentice, Anthony; Schultz, Stephanie; Vakil, Elizabeth; Wolf, David, System and method for purchasing in a digital channel.
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  342. King, Kathleen; Miller, Matthew; Muthukrishnan, Sathish; Norman, Philip; Prentice, Anthony; Schultz, Stephanie; Vakil, Elizabeth; Wolf, David, System and method for purchasing in a digital channel.
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  343. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
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  344. Bishop, Fred; Neemann, Trey; Armes, David, System and method for reassociating an account number to another transaction account.
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  345. Lambert, Gregory Willard; Spiegel, Philip John, System and method for redeeming a reward.
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  346. Morris, Michael; Vakil, Elizabeth; Winslow, Anthony; Wolf, David, System and method for rewarding in channel accomplishments.
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  347. Saunders, Peter D; Barnes, Brian T, System and method for secure transactions manageable by a transaction account provider.
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  348. Ariff, Fauziah B.; Bishop, Fred; Neemann, Trey; Voltmer, Theodore S., System and method for securing data through a PDA portal.
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  349. Bishop, Fred; Neemann, Trey; Voltmer, Theodore S; Ariff, Fauziah B, System and method for securing data through a PDA portal.
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  350. Bishop,Fred; Neemann,Trey; Voltmer,Theodore S.; Ariff,Fauziah B., System and method for securing data through a PDA portal.
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  351. Peart, Lee J.; Saunders, Peter D., System and method for securing sensitive information during completion of a transaction.
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  352. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
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  353. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
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  354. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
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  355. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
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  356. Skingle,Bruce James, System and method for single session sign-on with cryptography.
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  357. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
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  358. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
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  359. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
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  360. Ellmore,Kimberly, System and method for single sign on process for websites with multiples applications and services.
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  361. Christophersen, Thomas; Wallace, Terry; Jacobson, Connie; Rusnak, Renee, System and method for staging money transfers between users having profiles.
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  362. Colcord, Brian, System and method for testing applications.
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  363. Antonucci, Donna; Voltmer, Theodore S., System and method for the real-time transfer of loyalty points between accounts.
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  364. Antonucci,Donna; Voltmer,Theodore S., System and method for the real-time transfer of loyalty points between accounts.
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  365. Antonucci, Donna A.; Voltmer, Theodore S., System and method for the transfer of loyalty points.
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  366. Senghore, Medina J.; Thomas, Tracey R.; Ariff, Fauziah, System and method for tiered filtering of purchase transactions.
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  367. Senghore, Medina J.; Thomas, Tracey R.; Ariff, Fauziah, System and method for tiered filtering of purchase transactions.
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  368. Rau, Scott W.; Bertetti, Scott Philip; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
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  370. Sauser,Olivier; Florio,Dionino, System and method for travel carrier contract management and optimization.
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  371. Sauser,Olivier; Florio,Dionino, System and method for travel carrier contract management and optimization using spend analysis.
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  372. 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.
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  373. Chen, Lianghan; Correll, Kevin; Telyaz, Leon; Pivnick, Nicole E., System and method of notifying user near point of sale location of available rewards at the point of sale location.
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  374. Chen, Lianghan; Correll, Kevin; Telyaz, Leon; Pivnick, Nicole E., System and method of notifying user near point of sale location of available rewards at the point of sale location.
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  375. Chen, Lianghan; Correll, Kevin; Telyaz, Leon; Pivnick, Nicole E., System and method of notifying user near point of sale location of available rewards at the point of sale location.
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  376. Bard, Keira Brooke; Clifford, Jeremy Paul; Valle, Scott Dalla; Czyzeswki, Nathan Tad; Nadarajah, Baskaran; Lackey, Peter; Sanchez, Wayne Thomas; Pilko, Brian George, System and methods for providing starter credit card accounts.
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  377. Bard, Keira Brooke; Clifford, Jeremy Paul; Valle, Scott Dalla; Czyzeswki, Nathan Tad; Nadarajah, Baskaran; Lackey, Peter; Sanchez, Wayne Thomas; Pilko, Brian George, System and methods for providing starter credit card accounts.
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  378. Freund, Peter C., System and process for performing purchase transactions using tokens.
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  379. Blagg, Lynn; Rodin, Michael F., System for distributing funds.
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  380. Breck, Lydia; Zoob, Jessica; Salow, Glen; Bishop, Fred; Schwarz, William; Glazer, Elliot; Johnstone, David; Cunningham, Katie; Nambiar, Anant; Belt, Jan Nunney; Wittwer, Martin; Armes, David; Chow, Christina, System for facilitating a transaction.
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  381. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
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  382. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
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  383. Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
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  384. Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
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  385. Owen, Daniel L.; Kusnic, Michael W., System, method and computer program product for a collaborative decision platform.
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  386. Abrams,Rachel; Albert,Robert; Tassone,Damon; Weber,Tracey; Yong,David, System, methods and computer program products for offering products based on extrapolation of inputs.
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  387. Chang, Ching-nu; Chau, Lee; Fischer, Terrence; Mavromatis, Anthony Harry, Systems and methods determining a merchant persona.
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  388. Fischer, Terrence; Mavromatis, Anthony Harry; Navarro, Monique M.; Schulte, Benjamin; Varadachary, Venkat, Systems and methods for an analysis cycle to determine interest merchants.
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  391. Anderson, Russell Wayne, Systems and methods for constructing and utilizing a merchant database derived from customer purchase transactions data.
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  393. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
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  399. Hong, Xiao; Song, Xiaolan; Dong, Xin; Fei, Huchen; Wang, Lihua, Systems and methods for performing scoring optimization.
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  400. Bonalle,David S.; Fehlhaber,Jeff; Saunders,Peter D., Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts.
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  401. Bufford, Joshua; Landi, Christine; Lintvet, Jon, Systems and methods for providing flexible incentive rewards.
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  404. Loomis, Daniel, Systems and methods for providing offers using a mobile device.
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  409. Lee, Injae; Velmurugan, Selvam; Hegde, Vinayak, Systems and methods for providing promotion sharing among consumers.
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  420. Carlson, Mark; Faith, Patrick, Systems and methods for visual representation of offers.
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  426. Haney, Richard D., Tracking proximity of services provider to services consumer.
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