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Apparatus and methods for improved credit cards and credit card transactions 원문보기

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-007/08
출원번호 US-0280483 (1999-03-30)
발명자 / 주소
  • Morris E. Cohen
인용정보 피인용 횟수 : 456  인용 특허 : 11

초록 ▼

Customized credit and debit cards for issuance by a person or main cardholder, the cards being limited to use in transactions at selected vendors only. Thus, for example, a parent or corporation can issue a customized card to a person or group, wherein the card is only valid for use at restaurants,

대표청구항 ▼

1. An item, comprising:a financial card, said financial card having been provided by a credit card company at the request of a first person, said financial card being provided for use by any person determined by such first person; and, wherein said financial card is further customized such that it i

이 특허에 인용된 특허 (11)

  1. Dedrick Rick (Hillsboro OR), Electronic information appraisal agent.
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  2. Titan Hari, Fast explanations of scored observations.
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  3. Goreta Lucas,FRX ; Duroux Christian,FRX, Method and system for the transfer of information between two populations of persons, one nomadic and the other sedenta.
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  4. Toader Adrian ; Valdez Jose, Method for providing prepaid internet access and/or long distance calling including the distribution of specialized cal.
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  5. Walker Jay S. ; Jorasch James A., Method, apparatus, and program for customizing credit accounts.
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  9. Tarbox Andrew W., System and method for processing a customized financial transaction card.
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  11. Wisdom Juanita J. ; Wisdom Deborah M., Universal pre-paid gasoline and travel card.
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  136. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Hand geometry recognition biometrics on a fob.
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  137. Cracchiolo,Christopher P.; Jagatic,Jason S.; Kalappa,Ahana M.; Keck,Mark C.; Pincock,Shari; Reynders,Todd H.; Sachdev,Sunil, Healthcare card closed loop network.
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  138. Harrison, Sarah E.; Jagatic, Jason S.; Sachdev, Sunil, Healthcare card incentive program for multiple users.
    상세보기
  139. Kalgi, Avinash, Hybrid applications utilizing distributed models and views apparatuses, methods and systems.
    상세보기
  140. Spear, Kevin W., Hybrid credit card transaction system.
    상세보기
  141. Spear, Kevin W., Hybrid credit card transaction system.
    상세보기
  142. Smirnoff, Sergey; Bhattacharya, Soumendra, Hybrid integration of software development kit with secure execution environment.
    상세보기
  143. Chakiris, Philip M.; Smith, Merrill Brooks; Graves, Phillip Craig, Inserting value into customer account at point of sale using a customer account identifier.
    상세보기
  144. Chakiris, Philip M.; Smith, Merrill Brooks; Graves, Phillip Craig, Inserting value into customer account at point of sale using a customer account identifier.
    상세보기
  145. Schimpf, Brian C.; Stern, Edith H.; Weir, Robert C.; Willner, Barry E., Inspecting event indicators.
    상세보기
  146. Hammad, Ayman, Integration of payment capability into secure elements of computers.
    상세보기
  147. Hammad, Ayman, Integration of payment capability into secure elements of computers.
    상세보기
  148. Hammad, Ayman, Integration of verification tokens with mobile communication devices.
    상세보기
  149. Hammad, Ayman, Integration of verification tokens with mobile communication devices.
    상세보기
  150. Hammad, Ayman, Integration of verification tokens with portable computing devices.
    상세보기
  151. Beenau, Blayn W.; Bonalle, David S.; Fields, Seth W.; Gray, William J.; Larkin, Carl; Montgomery, Joshua L.; Saunders, Peter D., Iris scan biometrics on a payment device.
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  152. Dean, Michael John; Kapczynski, Mark Joseph, Lifescore.
    상세보기
  153. Skelding, Dori K.; Reinhard, Walter Brent, Metal transaction device with gem-like surface.
    상세보기
  154. Skelding, Dori K.; Reinhard, Walter Brent, Metal transaction device with gem-like surface.
    상세보기
  155. Johnson, Steven G.; Busch, Christopher G., Method and apparatus for assessing credit for healthcare patients.
    상세보기
  156. Johnson, Steven G.; Busch, Christopher G., Method and apparatus for assessing credit for healthcare patients.
    상세보기
  157. Cox, Andrew; Sieber, Robert; Balding, Alison; Karunaratne, Anil; Chandumont, Jean-Christopher, Method and apparatus for evaluating a financial transaction.
    상세보기
  158. Cox, Andrew; Dellosso, Donna; Cisz, Mark; Bekker, Ela; Chandumont, Jean-Christopher; Dafni, Joseph, Method and apparatus for managing credit limits.
    상세보기
  159. Cox, Andrew; Chandumont, Jean-Christopher; Bainbridge, Dianne; Haas, Lauren, Method and apparatus for managing risk.
    상세보기
  160. Zarin, Marjorie Faith; Glim, Rachel; Kay, Heather D.; Lewis, Timothy Patrick; Meyer, Rhene; Sarnoff, Dafna; Cichon, Robert P., Method and apparatus for providing pre-existing and prospective customers with an immediately accessible account.
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  161. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Method and system for auditory recognition biometrics on a FOB.
    상세보기
  162. Wang, Tiejun; Wang, Ximing; Wang, Tiehong, Method and system for conducting business in a transnational e-Commerce network.
    상세보기
  163. Weber, Lance, Method and system for correlating diverse transaction data.
    상세보기
  164. Cleary, Michael J.; Clifton, David A.; Ilijasic, Dean; Cohen, David C.; Rodgers, Kristine K., Method and system for distribution of unactivated bank account cards.
    상세보기
  165. Cleary, Michael; Clifton, David; Ilijasic, Dean; Cohen, David; Rodgers, Kristine, Method and system for distribution of unactivated bank account cards.
    상세보기
  166. Winters, Michelle, Method and system for generating and sharing customized portable consumer devices.
    상세보기
  167. Winters, Michelle, Method and system for generating and sharing customized portable consumer devices.
    상세보기
  168. Winters, Michelle, Method and system for generating and sharing customized portable consumer devices.
    상세보기
  169. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
    상세보기
  170. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
    상세보기
  171. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
    상세보기
  172. Pletz, Tracy M.; Seidel, Howard C.; Rochford, Joseph, Method and system for implementing a card product with multiple customized relationships.
    상세보기
  173. Pletz,Tracy M.; Seidel,Howard C.; Rochford,Joseph, Method and system for implementing a card product with multiple customized relationships.
    상세보기
  174. Spielmann, Craig; Hutter, Maria; Klein, Joel; Singhani, Naresh, Method and system for managing risk.
    상세보기
  175. Spielmann,Craig; Hutter,Maria; Klein,Joel; Singhani,Naresh, Method and system for managing risk.
    상세보기
  176. Spielmann,Craig; Hutter,Maria; Klein,Joel; Singhani,Naresh, Method and system for managing risks.
    상세보기
  177. Shu, Lingyan, Method and system for protecting sensitive information and preventing unauthorized use of identity information.
    상세보기
  178. Noles, Michael K., Method and system for providing flexible financing.
    상세보기
  179. Noles, Michael K., Method and system for providing flexible financing.
    상세보기
  180. Ahmad, Farhan, Method and system for providing pre-approved targeted products.
    상세보기
  181. Hogan, Edward J.; Campbell, Carl M., Method and system for secure payments over a computer network.
    상세보기
  182. Blagg,Lynn Holm; Beck,Darren D., Method for defining a relationship between an account and a group.
    상세보기
  183. Chess,David M.; Whalley,Ian N.; White,Steve R., Method for disaggregating customer data in online transactions to preserve privacy.
    상세보기
  184. Spector, Donald, Method for issuance of satellite credit and debit cards.
    상세보기
  185. Guion,Christian, Method for providing identification data of a banking card to a user.
    상세보기
  186. Sharma, Pankaj; Modi, Vikram; Singh, Shantnu, Method for using barcodes and mobile devices to conduct payment transactions.
    상세보기
  187. Goodwin, III, John C.; Halpern, Michael E., Method of controlling a self-service terminal.
    상세보기
  188. Nystrom, Sebastian; Kuhl, Carmen, Method, device and system for automated context information based selective data provision by identification means.
    상세보기
  189. Fung, Daniel Y.; Evans, Stephen C., Method, system and computer readable medium for web site account and e-commerce management from a central location.
    상세보기
  190. Fung, Daniel Y.; Evans, Stephen C., Method, system and computer readable medium for web site account and e-commerce management from a central location.
    상세보기
  191. Fung, Daniel Y.; Hood, Brandon C., Method, system and computer readable medium for web site account and e-commerce management from a central location.
    상세보기
  192. Fung, Daniel Y.; Hood, Brandon C., Method, system and computer readable medium for web site account and e-commerce management from a central location.
    상세보기
  193. Tuchler, James; Crowe, Andrew, Methods and apparatus for allowing internet based purchases based on a temporary credit card number.
    상세보기
  194. Gaddam, Ajit; Aissi, Selim, Methods and systems for providing a low value token buffer.
    상세보기
  195. Howe, Justin X., Methods and systems for updating expiry information of an account.
    상세보기
  196. Skelding, Dori K.; Reinhard, Walter Brent; Mann, III, William Frederick, Methods for personalizing multi-layer transaction cards.
    상세보기
  197. Hammad, Ayman; Dixon, Phillip; Triplett, Brian, Mobile device containing contactless payment card used in transit fare collection.
    상세보기
  198. Hammad, Ayman; Dixon, Phil, Mobile payment device.
    상세보기
  199. Kannanari, Ahamed, Mobile payments using payment tokens.
    상세보기
  200. Hammad, Ayman; Dixon, Phil; Triplett, Brian, Mobile phone containing contactless payment card used in transit fare collection.
    상세보기
  201. Raj, Thanigaivel Ashwin; Flurscheim, Christian; Subramanian, Kaushik; Greene, Bradley; Laxminarayanan, Prasanna, Mobile tokenization hub.
    상세보기
  202. Hammad, Ayman; Dixon, Phil, Mobile transit fare payment.
    상세보기
  203. Paintin, Scott; Marr, Lance; Kloosterman, Michelle; Loevenguth, Rebecca; Scott, Diane, Money transfer system and messaging system.
    상세보기
  204. Paintin, Scott; Marr, Lance; Kloosterman, Michelle; Loevenguth, Rebecca; Scott, Diane, Money transfer system and messaging system.
    상세보기
  205. Gutierrez-Sheris, Luis Eduardo, Money-transfer techniques.
    상세보기
  206. Gutierrez-Sheris, Luis Eduardo, Money-transfer techniques.
    상세보기
  207. Gutierrez-Sheris, Luis Eduardo, Money-transfer techniques.
    상세보기
  208. Gutierrez-Sheris, Luis Eduardo, Money-transfer techniques.
    상세보기
  209. Haller, Eric; Kent, Kelly, Multi-bureau credit file freeze and unfreeze.
    상세보기
  210. Haller, Eric; Kent, Kelly, Multi-bureau credit file freeze and unfreeze.
    상세보기
  211. Haller, Eric; Kent, Kelly, Multi-bureau credit file freeze and unfreeze.
    상세보기
  212. Haller, Eric; Kent, Kelly, Multi-bureau credit file freeze and unfreeze.
    상세보기
  213. Purves, Thomas; Mahadkar, Shilpak; Theurer, Tenni; Hammad, Ayman, Multi-directional wallet connector apparatuses, methods and systems.
    상세보기
  214. Faith, Patrick; Harris, Theodore David, Multi-source, multi-dimensional, cross-entity, multimedia merchant analytics database platform apparatuses, methods and systems.
    상세보기
  215. Makhotin, Oleg, Multifactor authentication using a directory server.
    상세보기
  216. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
    상세보기
  217. Hirka, Jeffrey L.; Fellner, Debra C.; Fox, Steven; Knackstedt, Lee, Multiple account advanced payment card and method of routing card transactions.
    상세보기
  218. Brandt, Jeffrey Lewis; Miller, James Thomas, Multiple options to decline authorization of payment card charges.
    상세보기
  219. Hammad, Ayman, Multiple tokenization for authentication.
    상세보기
  220. Sullivan, Kevin, Mutual fund card method and system.
    상세보기
  221. Herrington, Mark; Putman, Mark V.; Jackman, Richard, Negotiable instrument to presentation instrument value porting systems and methods.
    상세보기
  222. Adamson, Richard I. C., Offline code based reloading system.
    상세보기
  223. Adamson,Richard I.C., Offline code based reloading system.
    상세보기
  224. Ireland, Leigh-Anne T.; Strand, Marilyn; Goldberg, Michele; Winzer, Etienne, On-line higher education financing system.
    상세보기
  225. Carlson, Mark, Online account access control by mobile device.
    상세보기
  226. Bondesen, Laura Corinne; Blackhurst, Jason P.; Harkey, Scott Lee; Belchee, William Blakely; Brunswig, Tammy L., Online banking digital wallet management.
    상세보기
  227. Bondesen, Laura Corinne; Blackhurst, Jason P.; Harkey, Scott Lee; Belchee, William Blakely; Brunswig, Tammy L., Online banking digital wallet management.
    상세보기
  228. Weller, Kevin; Steele, Kim; Koganti, Krishna; Faith, Patrick, Online challenge-response.
    상세보기
  229. Novak, Christopher S.; D'Angelo, Michael; Giancola, Tom, Online interactive and partner-enhanced credit card.
    상세보기
  230. Gindi,Eddie, Partitioned credit system.
    상세보기
  231. McCullagh, Niall; Cushley, Seamus, Passing payment tokens through an hop/sop.
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  232. Jackman, Richard; Herrington, Mark; Putman, Mark V., Payer-based account porting to portable value distribution systems and methods.
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  233. Kumnick, Phillip; Ovick, Joseph Bjorn; Srivastava, Chandra, Payment account identifier system.
    상세보기
  234. Kumnick, Phillip; Ovick, Joseph Bjorn; Srivastava, Chandra, Payment account identifier system.
    상세보기
  235. Makhotin, Oleg; Purves, Tom; Gardner, Chris, Payment channel returning limited use proxy dynamic value.
    상세보기
  236. Jackman, Richard; Herrington, Mark; Putman, Mark V., Payroll receipt using a trustee account systems and methods.
    상세보기
  237. Cassone,Jean, Personal biometric authentication and authorization device.
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  238. Patel, Ameet; Holme, Jennifer; Caiazzo, Anthony, Personalized interactive network architecture.
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  239. Patel,Ameet; Holme,Jennifer; Caiazzo,Anthony, Personalized interactive network architecture.
    상세보기
  240. Patel, Ameet; Holme, Jennifer; Caiazzo, Anthony, Personalized interactive network with multiple channels coupled to integrated knowledge management system.
    상세보기
  241. Malcolm, Jerry Walter, Personally customizable credit card accounts.
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  242. Jackman, Richard; Herrington, Mark; Putman, Mark V., Pre-allocated negotiable instrument and presentation instrument purchasing and activation systems and methods.
    상세보기
  243. Faith, Patrick; Siegel, Kevin P.; Hammad, Ayman, Pre-authorization of a transaction using predictive modeling.
    상세보기
  244. Chaitanya, Somisetty Krishna, Prepaid wallet for merchants.
    상세보기
  245. Nagasundaram, Sekhar; Aissi, Selim, Privacy firewall.
    상세보기
  246. Nagasundaram, Sekhar; Aissi, Selim, Privacy firewall.
    상세보기
  247. Bishop, Fred; Saunders, Peter D., Processing an RF transaction using a routing number.
    상세보기
  248. Bhattacharya, Ashmit; Bower, Bruce; Briggs, Gary; Gendron, Marc; Grove, Steve; Henson, Tina; Thomas, Parker, Processing value-ascertainable items.
    상세보기
  249. Kapczynski, Mark Joseph, Providing credit data in search results.
    상세보기
  250. Bondesen, Laura Corinne; Blackhurst, Jason P.; Harkey, Scott Lee; Belchee, William Blakely; Brunswig, Tammy L., Providing offers associated with payment credentials authenticated in a specific digital wallet.
    상세보기
  251. Musfeldt, Roger Lynn, Provisioning by delivered items.
    상세보기
  252. Bonalle, David S.; Freud, Aliza; Nanton, Jason; Fitzmaurice Reilly, Mary Ann; Sharp, Ray, Public/private dual card system and method.
    상세보기
  253. Bishop, Fred; Saunders, Peter D., RF payment via a mobile device.
    상세보기
  254. Bishop, Fred; Saunders, Peter D., RF transaction authentication using a random number.
    상세보기
  255. Bonalle, David S.; Fehlhaber, Jeff; Saunders, Peter D., RF transaction device.
    상세보기
  256. Saunders, Peter D, RF transaction system and method for storing user personal data.
    상세보기
  257. Bishop, Fred, RF transactions using a wireless reader grid.
    상세보기
  258. Bishop, Fred, RF transactions using a wireless reader grid.
    상세보기
  259. Kuhl, Carmen; Wakim, Peter; Vesikivi, Petri; Huomo, Heikki, Reader device for radio frequency identification transponder with transponder functionality.
    상세보기
  260. Kuhl, Carmen; Wakim, Peter; Vesikivi, Petri; Huomo, Heikki, Reader device for radio frequency identification transponder with transponder functionality.
    상세보기
  261. Kuhl, Carmen; Wakim, Peter; Vesikivi, Petri; Huomo, Heikki, Reader device for radio frequency identification transponder with transponder functionality.
    상세보기
  262. Dutt, Rajsaday; Master, Yousef Gibran, Real-time product matching.
    상세보기
  263. Graves, Phillip Craig; Chakiris, Phil M.; Denzer, Karl; Young, Dustin, Rebate card system.
    상세보기
  264. 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
  265. Jin, Hui; Pai, Yogish; Vusirikala, Raju Venkata Satya Sanyasi, Regulation compliant data integration for financial institutions.
    상세보기
  266. 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.
    상세보기
  267. Roth, Anthony G., Remittance method and system for services.
    상세보기
  268. Purves, Thomas, Remote decoupled application persistent state apparatuses, methods and systems.
    상세보기
  269. Guglani, Abhishek; Sharma, Sanjeev; Chitalia, Jalpesh; Destremps, Gerald; Mardikar, Upendra; Xu, Minghua; Trevino, Jose Luis Rios; Singh, Brijendra, Remote server encrypted data provisioning system and methods.
    상세보기
  270. Duke, Brian Lee; Desai, Vijay S.; Dulany, Paul C.; Shah, Kannan Shashank, Rule optimization for classification and detection.
    상세보기
  271. Keresman, III, Michael A.; Balasubramanian, Chandra S.; Sherwin, Francis M., Secure and efficient payment processing system.
    상세보기
  272. Keresman, III, Michael A.; Bhagavatula, Ravishankar; Balasubramanian, Chandra; Sherwin, Francis M., Secure and efficient payment processing system.
    상세보기
  273. Hammad, Ayman; Faith, Patrick; Koganti, Krishna Prasad; Rewis, Ben; Louis, Brendan Xavier; Weller, Kevin; Dominguez, Benedicto Hernandez, Secure authentication system and method.
    상세보기
  274. Hammad, Ayman; Faith, Patrick; Koganti, Krishna Prasad; Rewis, Ben; Louis, Brendan Xavier; Weller, Kevin; Dominguez, Benedicto Hernandez, Secure authentication system and method.
    상세보기
  275. Hammad, Ayman, Secure communication of payment information to merchants using a verification token.
    상세보기
  276. Hammad, Ayman, Secure communication of payment information to merchants using a verification token.
    상세보기
  277. Carpenter, Andrew; Powell, Glen Leon, Secure mobile device credential provisioning using risk decision non-overrides.
    상세보기
  278. Carlson, Mark, Secure mobile payment system.
    상세보기
  279. McGuire, Keith, Secure payment processing using authorization request.
    상세보기
  280. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Mayers, Alexandra; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; Williamson, John R., Securing a transaction between a transponder and a reader.
    상세보기
  281. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Elwood, Jennifer Anne; Hood, Matthew C.; Isenberg, Susan E.; Saunders, Peter D.; Scheding, Kathryn D.; Shah, Sejal Ajit; Williamson, John R.; Mayers, Alexandra, Securing a transaction between a transponder and a reader.
    상세보기
  282. Blossom, George, Selectable multi-purpose card.
    상세보기
  283. Blossom,George, Selectable multi-purpose card.
    상세보기
  284. Blossom,George, Selectable multi-purpose card.
    상세보기
  285. Blossom,George, Selectable multi-purpose card.
    상세보기
  286. Grigg, David M.; Johansen, Joseph Neil; Hanson, Carrie Anne; Burrell, Charles Jason; Votaw, Elizabeth S., Self-selected user access based on specific authentication types.
    상세보기
  287. Grigg, David M.; Johansen, Joseph Neil; Hanson, Carrie Anne; Burrell, Charles Jason; Votaw, Elizabeth S., Self-selected user access based on specific authentication types.
    상세보기
  288. Smith, Carl; Hill, Trudy, Smart card personalization assistance tool.
    상세보기
  289. Simpson-Young, William; Chamley, Cathryn Anne; Yap, Sue-Ken; Newman, Andrew Timothy Robert; Bruce, Stephen Robert, Smart card systems and electronic ticketing methods.
    상세보기
  290. Smith, Carl; Hill, Trudy, Smart device personalization assistance tool.
    상세보기
  291. Hammad, Ayman; Dixon, Phil, Smart sign mobile transit fare payment.
    상세보기
  292. Hammad, Ayman; Dixon, Phil, Smart sign mobile transit fare payment.
    상세보기
  293. Aggarwal, Ravinder K.; Conner, Rand, Smart temperature measuring device.
    상세보기
  294. Grigg, David M.; Johansen, Joseph Neil; Toth, Michael E.; Carpenter, Daniel Lynn; Qaim-Maqami, Hood; Hanson, Carrie Anne; Votaw, Elizabeth S., Sorting mobile banking functions into authentication buckets.
    상세보기
  295. Grigg, David M.; Johansen, Joseph Neil; Toth, Michael E.; Carpenter, Daniel Lynn; Qaim-Maqami, Hood; Hanson, Carrie Anne; Votaw, Elizabeth S., Sorting mobile banking functions into authentication buckets.
    상세보기
  296. Barnes,Brian T.; Evans,Peter B.; Glazer,Elliott; Gray,William Jody; Jagatic,Jason Stephen; Klaboe,Dana J.; Marchese,Lisa Frances; Malnati,Leigh Reynolds; Taxin,Elizabeth J., Spending account systems and methods.
    상세보기
  297. Slater,Kim Michele, Sponsor funded stored value card.
    상세보기
  298. Kapczynski, Mark Joseph; Dean, Michael John, Storage and maintenance of personal data.
    상세보기
  299. Knackstedt, Lee; Rau, Scott, Stored value card provided with merchandise as rebate.
    상세보기
  300. Sullivan,Kevin, System and method for a card benefit program providing benefits to program members based on program performance.
    상세보기
  301. Sullivan,Kevin, System and method for a card payment program providing mutual benefits to card issuers and cardholders based on financial performance.
    상세보기
  302. Hobbs,Chris; Park,Grace; Rubinshtein,Tomer, System and method for a prepaid card issued by a foreign financial institution.
    상세보기
  303. Sullivan, Kevin M., System and method for administering a brokerage rebate card program.
    상세보기
  304. Anderson,Gordon Emory; Campanaro,Catherine J.; Connelly,David S.; Madaan,Sanjay; Moore,Kevin L.; Nigam,Sangarsh; Wong,Yulona Sue, System and method for calculating expected approval rates.
    상세보기
  305. Anderson,Gordon Emory; Campanaro,Catherine J; Connelly,David S; Madaan,Sanjay; Moore,Kevin L; Nigam,Sangarsh; Wong,Yulona Sue, System and method for calculating expected approval rates.
    상세보기
  306. Anderson,Gordon Emory; Campanaro,Catherine J.; Coomer,William Gaines; James,Michael Gregory; Khandekar,Aniruddha V.; Nigam,Sangarsh; West,Gary, System and method for calculating recommended charge limits.
    상세보기
  307. Boyle, Kevin; Maistre, Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
    상세보기
  308. Boyle,Kevin; Maistre,Marty, System and method for card processing with automated payment of club, merchant, and service provider fees.
    상세보기
  309. Bharghavan, Vaduvur; Malinen, Jari; Singh, Rajinder; Fieldman, Jason; Ahlawat, Rachna; Konath, Kannan; Gilotra, Sandeep, System and method for cashless peer-to-peer payment.
    상세보기
  310. 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.
    상세보기
  311. 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.
    상세보기
  312. Foss, Jr., Sheldon H.; James, Jr., Dennis H., System and method for dynamically managing a financial account.
    상세보기
  313. Baranowski, James A., System and method for enhanced RFID instrument security.
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  314. Baranowski, James A., System and method for enhanced RFID instrument security.
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  315. Baranowski, James A., System and method for enhanced RFID instrument security.
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  316. Benkert, Marc; Hobbs, Chris; Okamoto, Kazuhiko; Park, Grace; Rubinshtein, Tomer, System and method for facilitating a subsidiary card account.
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  317. Dunn,Melanie; Hobbs,Chris; Menichilli,Julie; Rances,Mary, System and method for facilitating a subsidiary card account with controlled spending capability.
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  318. Sanders, Shelley F.; Bowers, Theodore, System and method for funding a collective account.
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  319. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
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  320. Schwarz, Jr., Charles E., System and method for funding a collective account by use of an electronic tag.
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  321. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
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  322. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
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  323. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
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  324. Schwarz, Jr.,Charles E., System and method for funding a collective account by use of an electronic tag.
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  325. Torrez, Luz M.; Kornegay, Adam Thomas, System and method for generating a finance attribute from tradeline data.
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  326. Torrez, Luz M.; Kornegay, Adam Thomas, System and method for generating a finance attribute from tradeline data.
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  327. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
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  328. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
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  329. Taylor, Robert Cameron; Pilarcik, Jeffrey J., System and method for granting promotional rewards to both customers and non-customers.
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  330. Taylor, Robert Cameron; Pilarcik, Jeffrey J.; Ley, Paula M., System and method for granting promotional rewards to both customers and non-customers.
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  331. 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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  332. 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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  333. Sheley, William S., System and method for granting promotional rewards to financial account holders.
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  334. Borgia,Evelyn; Miller,Jodi; De Gottal,Graham; O'Connor,Christine, System and method for managing global risk.
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  335. Breslin, Jodi; Borgia, Evelyn; de Gottal, Graham, System and method for managing risks associated with outside service providers.
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  336. Feingold, Vincent, System and method for multi-dimensional risk analysis.
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  337. Das, Jayanta, System and method for offering risk-based interest rates in a credit instrument.
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  338. Das, Jayanta, System and method for offering risk-based interest rates in a credit instutment.
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  339. Wisecarver, III, William H.; Nugent, Mary F., System and method for on-line payment transactions.
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  340. D'Agostino, John, System and method for performing secure credit card purchases.
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  341. D'Agostino, John, System and method for performing secure credit card transactions.
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  342. Harris, David N., System and method for pre-verifying commercial transactions.
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  343. Sorem, Steve, System and method for processing transactions.
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  344. Robbins, Jr., John J.; Robbins, Sr., John J.; Hoffman, Glen A., System and method for providing a credit card with back-end payment filtering.
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  345. Kottmeier, Jr., Robert Arthur; Barton, Scott, System and method for providing a credit card with multiple credit lines.
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  346. Kottmeier, Jr.,Robert Arthur; Barton,Scott, System and method for providing a credit card with multiple credit lines.
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  347. Vasten, Brett, System and method for providing alternate funding source for portable consumer device.
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  348. 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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  349. 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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  350. 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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  351. 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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  352. 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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  353. 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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  354. Lilly, Joseph D.; Ruh, Colin Jeffrey; York, Jeff G.; Walker, Philip G., System and method for providing extra lines of credit.
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  355. Lilly, Joseph D.; Ruh, Colin Jeffrey; York, Jeff G.; Walker, Philip G., System and method for providing extra lines of credit.
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  356. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
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  357. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
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  358. White, Brigette A.; Levinson, Ronald; Sabharwal, Mohit, System and method for providing instant-decision, financial network-based payment cards.
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  359. Hamilton, Stacy M.; Rossiter, Janet L., System and method for providing promotional pricing.
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  360. Bishop, Fred; Neemann, Trey; Armes, David, System and method for reassociating an account number to another transaction account.
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  361. Graves, Phillip Craig; Smith, Merrill Brooks, System and method for securely authorizing and distributing stored-value card data.
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  362. Harris, David N., System and method for securing a credit account.
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  363. Harris,David N., System and method for securing a credit account.
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  364. Kumnick, Phillip, System and method for token domain control.
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  365. Rau, Scott W.; Bertetti, Scott Philp; Beechum, Jr., Gerald A., System and method for transponder-enabled account transactions.
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  366. Fellner,Debra C., System and method for using a stored value account having subaccount feature.
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  367. Bharghavan, Vaduvur; Gurumurthy, Rajesh; Paul, Rahul; Prasad, Govardan; Sundaram, Ramachandran Minakshi; Ahlawat, Rachna, System and method for using cardholder context and preferences in transaction authorization.
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  368. Harris, David N., System and method for verifying commercial transactions.
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  369. Anderson, Lisa; Cushley, Seamus, System and method of providing tokenization as a service.
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  370. Hunt, III, Herbert Harris, System and methods for credit dispute processing, resolution, and reporting.
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  371. Hunt, III, Herbert Harris, System and methods for credit dispute processing, resolution, and reporting.
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  372. Hunt, III, Herbert Harris, System and methods for credit dispute processing, resolution, and reporting.
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  373. Freund, Peter C., System and process for performing purchase transactions using tokens.
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  374. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, System for biometric security using a fob.
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  375. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, System for biometric security using a fob.
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  376. Carragher, Philip; Webster, Steven Earl, System for card activity-based mortgage crediting.
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  377. Carragher, Philip; Webster, Steven Earl, System for card activity-based residential crediting.
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  378. Blagg, Lynn; Rodin, Michael F., System for distributing funds.
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  379. Roth,Anthony G., System for marketing leisure activity services through prepaid tickets.
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  380. Roth,Anthony G., System for marketing leisure activity services through prepaid tickets.
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  381. Roth,Anthony G., System for marketing leisure activity services through prepaid tickets.
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  382. Colella, Brian A., System for secure payment and authentication.
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  383. Pettay, Mark J.; Kempkes, Rodney J., System, method, and business method for settling micropayment transactions to a pre-paid instrument.
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  384. Pettay, Mark J; Kempkes, Rodney J, System, method, and business method for settling micropayment transactions to a pre-paid instrument.
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  385. Carnes, Daniel Wilson, Systems and methods for authenticating mobile device communications.
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  386. Kean, Brian; Cambridge, Devin Michael, Systems and methods for authenticating mobile devices.
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  387. Kean, Brian; Cambridge, Devin Michael; Meyers, Stephen M.; Musfeldt, Roger Lynn; Adkisson, Brent Dewayne; Davis, Jr., Norman Theodore, Systems and methods for authenticating mobile devices.
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  388. Dill, Matthew; Narayan, Prasanna L.; Powell, Glenn; Sheets, John; Carpenter, Andrew, Systems and methods for communicating token attributes associated with a token vault.
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  389. Chandoor, Madhuri; Chitalia, Jalpesh; Petkov, Gueorgui; Nosseir, Mohamed; Bansal, Parveen; Bellenger, Thomas; Law, Simon, Systems and methods for device push provisoning.
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  390. Nelsen, David A., Systems and methods for electronic delivery of stored value.
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  391. Smith, Merrill Brooks; Graves, Phillip Craig; Chakiris, Phil M, Systems and methods for electronic device point-of-sale activation.
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  392. Cambridge, Devin Michael; Kean, Brian; Meyers, Stephen M.; Adkisson, Brent Dewayne; Davis, Jr., Norman Theodore, Systems and methods for encrypting mobile device communications.
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  393. Musfeldt, Roger Lynn; Adkisson, Brent Dewayne; Kean, Brian, Systems and methods for identifying devices by a trusted service manager.
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  394. Hong, Xiao; Song, Xiaolan; Dong, Xin; Fei, Huchen; Wang, Lihua, Systems and methods for performing scoring optimization.
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  395. Youdale, Robert; Mayor, Shalini, Systems and methods for processing dormant virtual access devices.
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  396. McMillan, Helen; Skurtovich, John Lawrence; Kress, Anita; Sumida, Timothy; McVey, Michael Charles, Systems and methods for providing an integrated identifier.
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  397. Brody, Robert M.; Binns, Donald W.; Kennedy, Reuben S., Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants.
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  398. Lilly, Joseph D.; Ruh, Colin Jeffrey; York, Jeff G.; Walker, Phillip G., Systems and methods for providing extra lines of credit.
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  399. Salama, Hisham I.; Van Heerden, Lauren; Del Vecchio, Orin; Chan, Paul Mon-Wah; Barnett, Jonathan K.; Danielak, Jakub, Systems and methods for providing tokenized transaction accounts.
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  400. Gaddam, Ajit; Aissi, Selim, Systems and methods for secure detokenization.
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  401. Gaddam, Ajit; Aissi, Selim, Systems and methods for secure detokenization.
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  402. Smith, Merrill Brooks; Graves, Phillip Craig; Chakiris, Phil M., Systems and methods for the payment of customer bills utilizing payment platform of biller.
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  403. Everhart, Glenn Cobourm, Systems and methods for time variable financial authentication.
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  404. Rosano, Sharon A., Systems and methods for updating payment card expiration information.
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  405. Burger, Michael; Kapczynski, Mark Joseph, Systems and methods of identity protection and management.
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  406. Burger, Michael; Kapczynski, Mark Joseph, Systems and methods of identity protection and management.
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  407. Granville, III, Walter J., Systems and methods to communicate offer options via messaging in real time with processing of payment transaction.
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  408. LeBlanc, Diane; Salmon, Diane C., Systems and methods to optimize media presentations.
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  409. LeBlanc, Diane; Salmon, Diane C., Systems and methods to optimize media presentations.
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  410. Yoder, Jeanette; Byce, Charles Raymond; Winters, Michelle Eng, Systems and methods to optimize media presentations using a camera.
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  411. Norris, Mark; Bodington, Shaun; Stiff, Nicola; Olson, Raymond; Martin, Janet; Woods, Rosann; Carr, John, Systems and methods to provide benefits of account features to account holders.
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  412. Fordyce, III, Edward W.; Winters, Michelle Eng; Amaro, Leigh, Systems and methods to provide intelligent analytics to cardholders and merchants.
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  413. Clyne, Andrew, Systems and methods to provide offers to travelers.
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  414. Clyne, Andrew, Systems and methods to provide offers to travelers.
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  415. Charyk, Mike; Yu, Nelson, Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules.
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  416. Charyk, Mike; Yu, Nelson, Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules.
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  417. Tobin, John Patrick Edgar, Systems, methods, and computer program products for using proxy accounts.
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  418. Piersol, Kurt; Hart, Peter E.; Hull, Jonathan J., Techniques for generating and using a fingerprint for an article.
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  419. Piersol, Kurt; Hart, Peter E.; Hull, Jonathan J., Techniques for secure destruction of documents.
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  420. Barrus, John W.; Sasaki, Tomohiko; Graham, Jamey; Kojima, Sharon, Techniques for sharing data.
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  421. Barrus, John W.; Sasaki, Tomohiko; Graham, Jamey; Kojima, Sharon, Techniques for sharing data.
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  422. Barrus, John W.; Graham, Jamey, Techniques for using media keys.
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  423. Votaw, Elizabeth S.; Jones-McFadden, Alicia C., Tiered identification federated authentication network system.
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  424. Votaw, Elizabeth S.; Jones-McFadden, Alicia C., Tiered identification federated authentication network system.
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  425. Roth, Anthony G, Time delimited multiple admission method and system.
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  426. Roth, Anthony G., Time delimited multiple admission method and system.
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  427. Narayan, Prasanna L.; Palanisamy, Karthikeyan; Sethuraman, Ramji, Token enrollment system and method.
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  428. Palanisamy, Karthikeyan, Token security on a communication device.
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  429. Carpenter, Andrew; Powell, Glenn; Stan, Patrick; Hagey, Ryan; Mori, Michael; Cracknell, Steve; Carlson, Mark; Basu, Gourab, Tokenization and third-party interaction.
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  430. Gaddam, Ajit; Aissi, Selim; Nagasundaram, Sekhar, Tokenization revocation list.
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  431. Field, Manning R.; Reinhard, Walter Brent, Transaction device.
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  432. Skelding, Dori K.; Reinhard, Walter Brent, Transaction device.
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  433. Skelding, Dori K.; Reinhard, Walter Brent, Transaction device.
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  434. Skelding, Dori K.; Reinhard, Walter Brent, Transaction device with a gem-like surface appearance.
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  435. Skelding, Dori K.; Reinhard, Walter Brent, Transaction device with a gem-like surface appearance.
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  436. Skelding, Dori K.; Reinhard, Walter Brent, Transaction device with a gem-like surface appearance.
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  437. Griggs, Alfred William; Byrne, Brian; Van Deloo, Lori; Sheets, John F.; Liu, Fred; Weller, Kevin; Machicao, Andre; Goldberg, Luba; Batchan, Marc; Yuann, Kevin, Transaction initiation determination system utilizing transaction data elements.
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  438. Patterson, Barbara Elizabeth, Transaction processing using a global unique identifier.
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  439. Barrus, John W.; Graham, Jamey; Piersol, Kurt, Transmission of media keys.
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  440. Bharghavan, Vaduvur; Malinen, Jari; Paul, Rahul; Sundaram, Ramachandran Minakshi, Transparently reconstructing sniffed network traffic over a back-end data communications network to reconstruct payment card transactions for generating user notifications during transactions.
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  441. Duke, Brian Lee; Dulany, Paul C.; Shah, Kannan Shashank, Unauthorized activity detection and classification.
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  442. Katzin, Edward; Hua, Julian; Storey, Gregory Kenneth; Mori, Michael; Shrivastava, Abhinav; Bhargava, Amit; Beck, Andrew; Hammad, Ayman; Pfisterer, Ben; Salmon, Diane; Karpenko, Igor; Schulz, Jennifer; Gavrilov, Miroslav; Ciurea, Peter; Faith, Patrick; Kumnick, Phillip; Chatterjee, Saurav; Badea, Sebastian; Li, Shaw; Jha, Shipra; Pourfallah, Stacy; French, Susan; Theurer, Tenni; Harris, Theodore; Purves, Thomas; Pandey, Vanita; Graham, Victoria; Hariramani, Prakash, Universal electronic payment apparatuses, methods and systems.
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  443. Weber, Lance, Upstream and downstream data conversion.
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  444. Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E.; Votaw, Elizabeth S., User authentication based on other applications.
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  445. Grigg, David M.; Bertanzetti, Peter John; Burrell, Charles Jason; Hanson, Carrie Anne; Johansen, Joseph Neil; Toth, Michael E.; Votaw, Elizabeth S., User authentication based on other applications.
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  446. Graham, Jamey; Barrus, John W., User interface for creating and using media keys.
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  447. Simons, Paul, Variable rate payment card.
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  448. Simons, Paul, Variable rate payment card.
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  449. Dixon, Philip B.; Hammad, Ayman; El-Awady, Khalid, Verification of a portable consumer device in an offline environment.
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  450. Dixon, Philip B.; Hammad, Ayman; El-Awady, Khalid, Verification of a portable consumer device in an offline environment.
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  451. Hammad, Ayman, Verification of portable consumer devices.
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  452. Hammad, Ayman, Verification of portable consumer devices.
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  453. Hammad, Ayman, Verification of portable consumer devices.
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  454. Hammad, Ayman, Verification of portable consumer devices.
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  455. Beenau, Blayn W; Bonalle, David S; Fields, Seth W; Gray, William J; Larkin, Carl; Montgomery, Joshua L; Saunders, Peter D, Voiceprint biometrics on a payment device.
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  456. Purves, Thomas; Hua, Julian; Rutherford, Robert, Wearable intelligent vision device apparatuses, methods and systems.
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