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Method for multi-directional consumer purchasing, selling, and transaction management

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/60
출원번호 US-0161633 (1998-09-28)
발명자 / 주소
  • Barrameda Benedicto
  • Barrameda Paula
대리인 / 주소
    Dishong
인용정보 피인용 횟수 : 108  인용 특허 : 10

초록

An integrated credit card data processing method that allows transactions to be processed either as a payment or as a receipt of payment. The new process is a combination of the regular data processing method for consumer purchases of goods and services similar to those used by credit/charge cards,

대표청구항

[ We claim:] [1.]1. In a consumer to consumer debiting and crediting system wherein there is a credited consumer and a debited consumer and wherein said debited consumer and said credited consumer, as consumers establish multi-directional accounts, perform financial transactions including debiting a

이 특허에 인용된 특허 (10)

  1. Myatt Larry H. (Libertyville IL) Rhoads Bruce C. (Wheaton IL), Account transaction system.
  2. Gorog Jonathan M. (Falls Church VA), Automated order and payment system.
  3. Stanford Christopher John,GBX ; De Jong Eduard Karel,NLX, Card charging systems.
  4. Gomm R. Greg (6110 Rittiman Rd. San Antonio TX 78218) Gomm R. Gary (6110 Rittiman Rd. San Antonio TX 78218) Paul Scott (3002 Oak Sprawl San Antonio TX 78231), Cash alternative transaction system.
  5. Keen Regina D. ; Panzullo Helen J., Credit approval system.
  6. Hodroff Joel (Minneapolis MN), Currency and barter exchange debit card and system.
  7. Kolling Ray ; Powar William L., Electronic bill pay system.
  8. Champion Robert R. (San Francisco CA) Twist ; Jr. Basil R. (San Francisco CA), Goal-directed financial asset management system.
  9. Dykstra Diana R. (Herald CA) Wade Patricia M. (Meadow Vista CA), Lender direct credit evaluation and loan processing system.
  10. Bauer Jonathan A. ; Bodge Andrew ; Huberman Steven, System for synchronizing shared data between computers.

이 특허를 인용한 특허 (108)

  1. Davis, Peter A.; Pierce, Keith; Hanten, Stephen P.; Tennant, Erik; Larson, Jennifer, ACH payment processing.
  2. Love, Robert Anthony; Mauriello, Lantanya Neale; Reckord-Yarde, Nesta Valerie; Robertson, Susan Lynne; Williams, Robert; Nelson, Donald E., Approving ACH operator processing of ACH payments based on an originating depository financial institution's approved originator list.
  3. Rouse, John D.; Delaney, Raymond P., Confidence-based authentication.
  4. Dahan, Andre; Thornbury, Tom; Harris, Steven Brian, Facilitating a transaction in electronic commerce.
  5. Dhir, Nitin; Kappagantu, Ravi, In-bound telemarketing system for processing customer offers.
  6. Feller, Todd Stacy Leo, Initiating operating system commands based on browser cookies.
  7. Schulz, Larry, Managing foreign payments in an international ACH.
  8. Schulz, Larry, Managing variable to fixed payments in an international ACH.
  9. Cox, Andrew; Sieber, Robert; Balding, Alison; Karunaratne, Anil; Chandumont, Jean-Christopher, Method and apparatus for evaluating a financial transaction.
  10. May, Jason; Flint, Ian, Method and apparatus for facilitating online payment transactions in a network-based transaction facility.
  11. May, Jason; Flint, Ian, Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments.
  12. May,Jason; Flint,Ian, Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments.
  13. Land, David MacLeod; Getgood, Alan Bruce, Method and apparatus for managing credit inquiries within account receivables.
  14. Cox, Andrew; Dellosso, Donna; Cisz, Mark; Bekker, Ela; Chandumont, Jean-Christopher; Dafni, Joseph, Method and apparatus for managing credit limits.
  15. Cox, Andrew; Chandumont, Jean-Christopher; Bainbridge, Dianne; Haas, Lauren, Method and apparatus for managing risk.
  16. Vaux, Jonathan; Triplett, Brian; Dreyer, Michael; Yeakle, Loraine Martin; Duncan, Alistair; Fernandes, Paulo, Method and system for conducting a commercial transaction between a buyer and a seller.
  17. Gavin, Peter John; Hamlin, Sandra Lynn; Weidenaar, Dianna Marie; Wick, Thomas H.; Anderson, Vicki; Parl, Henrik; Rose, Søren; Lysdal, Annelise; Holmsgaard, Uwe, Method and system for conducting international electronic financial transactions.
  18. Mikhail,Grinshetyn; Chang,Matthias E.; Wong,Hok Yee; Chao,Anthony; Graham,Mark, Method and system for data capture with hidden applets.
  19. Miller,Lawrence; Deans,William; Moore,Mike, Method and system for delayed cookie transmission in a client-server architecture.
  20. Miller,Lawrence; Deans,William; Moore,Mike, Method and system for determining receipt of a delayed cookie in a client-server architecture.
  21. Huang,Jean; Redmond,Eric; Heisinger,Pete, Method and system for facilitating payment transactions using access devices.
  22. O'Leary, Denis; D'Agostino, Vincent; Re, S. Richard; Burney, Jessica; Hoffman, Adam, Method and system for processing internet payments.
  23. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing assurance and financing services.
  24. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing buyer bank payable discounting aggregation services.
  25. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing buyer bank payable discounting services.
  26. Reid, William; Swackhammer, Craig; Lynch, Kerry; Lau, Johnson, Method and system for providing seller bank receivable discounting aggregation services.
  27. Cornelius,Harry, Method and system for saving and investing through use of a money management card and pooled investment accounts.
  28. Schulz, Larry, Method and system for screening financial transactions.
  29. Deggendorf,Theresa M., Method and system for tracking and reporting automated clearing house transaction status.
  30. Marshall, Roger, Method and system to accept and settle transaction payments for an unbanked consumer.
  31. John David Vaimberg-Araujo VE, Method for commercializing goods and services over a global digital network.
  32. Narayanan,Lakshmi, Method for controlled and audited access to privileged accounts on computer systems.
  33. Freeman,Charles J.; Xue,Xingxiong, Method for mortgage and closed end loan portfolio management.
  34. Singh,Vikram; McClung,Lisa; Leong,Gilbert C. L.; Hetfleisch Wenzel,Karl Heinz, Method of designing an electronic transaction system.
  35. Land,David; Getgood,Alan, Method, apparatus and computer program for managing accounting system interfaces.
  36. Bowie Britton,Simon, Methods and systems for managing successful completion of a network of processes.
  37. Ireland, Leigh-Anne T.; Strand, Marilyn; Goldberg, Michele; Winzer, Etienne, On-line higher education financing system.
  38. Bajan, Joseph Peter, Online electronic transaction and funds transfer method and system.
  39. Novak, Christopher S.; D'Angelo, Michael; Giancola, Tom, Online interactive and partner-enhanced credit card.
  40. Benson, Glenn Stuart; Calaceto, Joseph R.; Logar, Russell M., Portable security transaction protocol.
  41. Reid, William; Lynch, Keiron G.; Swackhammer, Craig; Novak, M. Kathrina; Martinez, L. Ted; Bryant, John M., Pre-funding system and method.
  42. Reid, William; Lynch, Keiron G.; Swackhammer, Craig; Novak, M. Kathrina; Martinez, L. Ted; Bryant, John M., Pre-funding system and method.
  43. Wiederin, Shawn E, Prepaid transaction tracking.
  44. Melchior, Peter; Meltzer, Lenore, Providing cargo insurance in a full service trade system.
  45. Spitz, Clayton P.; Anderson, Todd M.; Latham, Thomas F.; Guerin, David C.; Arbour, Jr., Ernest J., Purchasing card transaction risk model.
  46. Fraher, Richard; McQuerry, Elizabeth, Redirecting or returning international credit transfers.
  47. Yu, Kevin John; Chong, Joseph; Tien, Alan, Release of funds based on criteria.
  48. Yu, Kevin John; Chong, Joseph; Tien, Alan, Release of funds based on criteria.
  49. Ley, Michael; Mackrell, Bryan L., Savings system based on time of transaction.
  50. Gooding, Marie C.; Deggendorf, Theresa M., Searching for and identifying automated clearing house transactions by transaction type.
  51. Lites, Barry, Securitization of a commercial transaction.
  52. Lites, Barry, Securitization of a commercial transaction.
  53. Coutts, Michael G.; Dove, Lee G., Self-service terminals in which remote parties can induce operation of peripheral devices without obtaining control over the peripheral devices.
  54. Louie, Edmund H.; Campbell, Michael X., Syndication loan administration and processing system.
  55. Benson, Glenn S., System and method for anti-phishing authentication.
  56. Benson, Glenn S., System and method for anti-phishing authentication.
  57. Benson, Glenn S., System and method for anti-phishing authentication.
  58. Benson, Glenn S., System and method for anti-phishing authentication.
  59. Gendler, Joseph, System and method for automatic financial project management.
  60. Buisman,William J.; Cohen,Gary; Fox,Steven R.; Kruse,Charles; Sulpizio,Christine, System and method for converting information on paper forms to electronic data.
  61. Crane, Suzanne P; Sheire, Marcus; Sweazy, Mark D; Schlegel, Bonnie; Prairie, Joan; Metcalf, Rockell, System and method for dividing a remittance and distributing a portion of the funds to multiple investment products.
  62. Crane,Suzanne P.; Sheire,Marcus; Sweazy,Mark D.; Hein,Bonnie; Prairie,Joan; Metcalf,Rockwell, System and method for dividing a remittance and distributing a portion of the funds to multiple investment products.
  63. 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.
  64. 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.
  65. 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.
  66. Block, Duane James; Dexter, Gail Jean; Krieger, Paul Eric; Pingaro, Todd C; Sheire, Marcus Paul; Whitaker, Kelly, System and method for facilitating investment account transfers.
  67. Block,Duane James; Dexter,Gail Jean; Krieger,Paul Eric; Pingaro,Todd C.; Sheire,Marcus Paul; Whitaker,Kelly, System and method for facilitating investment account transfers.
  68. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
  69. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
  70. Fraher, Richard M.; Schulz, Larry, System and method for managing foreign payments using separate messaging and settlement mechanisms.
  71. Scott, Kelly W., System and method for network-based project management.
  72. Taylor,James W.; Coro,Luz Maria, System and method for offering a financial product.
  73. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.
  74. Benson, Glenn Stuart; Croston, Sean, System and method for partner key management.
  75. Skingle, Bruce James, System and method for portal infrastructure tracking.
  76. Skingle,Bruce James, System and method for portal infrastructure tracking.
  77. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  78. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  79. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  80. Rosko,Robert; Ampani,Kumar, System and method for providing customers with seamless entry to a remote server.
  81. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  82. Gendler,Joseph, System and method for providing funding approval associated with a project based on a document collection.
  83. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  84. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
  85. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
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  87. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  88. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  89. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
  90. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  91. Skingle,Bruce James, System and method for single session sign-on with cryptography.
  92. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  93. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  94. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  95. Ellmore,Kimberly, System and method for single sign on process for websites with multiples applications and services.
  96. Colcord, Brian, System and method for testing applications.
  97. Palmeri, Richard P., System for electronic re-allocation of a transaction amount to an investment.
  98. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  99. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  100. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  101. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  102. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  103. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  104. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  105. Hong, Xiao; Song, Xiaolan; Dong, Xin; Fei, Huchen; Wang, Lihua, Systems and methods for performing scoring optimization.
  106. Reiners, Wolfram Johannes Bernd; Burstein, David Bruce; Nel, Christeffel Paul, Transaction authorisation system.
  107. Cornelius, Harry, Transferring funds to designated accounts through the use of a money management card.
  108. Love, Robert Anthony; Mauriello, Lantanya Neale; Reckord-Yarde, Nesta Valerie; Robertson, Susan Lynne; Williams, Robert; Nelson, Donald E., Value tracking and reporting of automated clearing house transactions.
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