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Title:
System and method for reassociating an account number to another transaction account
United States Patent RE43157
Abstract:
A method and system for converting a first transaction account device to a second transaction account device wherein a card number associated with, or defined as, a first transaction account (e.g., stored value account) is re-associated with, or re-defined as, a second transaction account (e.g., credit card account).


Inventors:
Bishop, Fred (Glendale, AZ, US)
Neemann, Trey (Glendale, AZ, US)
Armes, David (Phoenix, AZ, US)
Application Number:
12/023834
Publication Date:
02/07/2012
Filing Date:
01/31/2008
Assignee:
XATRA Fund MX, LLC (Wilmington, DE, US)
Primary Class:
Other Classes:
235/380, 235/382, 235/383
International Classes:
G06Q40/00; G06Q20/00; G06Q30/00; G07F7/02; G07F7/08
Field of Search:
235/379, 235/380, 235/382, 235/382.5, 235/383, 705/35, 705/41, 705/44, 705/68, 705/70, 705/75
View Patent Images:
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6339384Toll booth credit deviceJanuary, 2002Valdes-Rodriguez
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6332134Financial transaction systemDecember, 2001Foster
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6327573Multiple party reward system utilizing single accountDecember, 2001Walker et al.
6326934ADA convertible input displayDecember, 2001Kinzie
6325293Method and system for using a microcircuit card in a plurality of applicationsDecember, 2001Moreno
6325285Smart card with integrated fingerprint readerDecember, 2001Baratelli
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6307956Writing implement for identity verification systemOctober, 2001Black
6304223Contactless card automatic check-in check-out deviceOctober, 2001Hilton et al.
6298336Card activation at point of distributionOctober, 2001Davis et al.
6297727Transponder identification and record assemblyOctober, 2001Nelson, Jr.
6296188Transparent/translucent financial transaction card including an infrared light filterOctober, 2001Kiekhaefer
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20010022446Multiple-component data packageSeptember, 2001Klure
6295522Stored-value card value acquisition method and apparatusSeptember, 2001Boesch
6293462Wallet consolidatorSeptember, 2001Gangi
6290137Transparent/translucent financial transaction card including an infrared light filterSeptember, 2001Kiekhaefer
6289324System for performing financial transactions using a smart cardSeptember, 2001Kawan
6286763Method and apparatus to automatically search data carriers, such as RFID tags and machine-readable symbolsSeptember, 2001Reynolds et al.
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20010013551Portable automated banking apparatus and systemAugust, 2001Ramachandran
20010013546Identification systemAugust, 2001Ross
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6282522Internet payment system using smart cardAugust, 2001Davis et al.
6277232Method of manufacturing a plastic card with a lenticular lens thereinAugust, 2001Wang et al.
6273335System and method for locking and unlocking an application in a smart cardAugust, 2001Sloan
6269348Tokenless biometric electronic debit and credit transactionsJuly, 2001Pare, Jr. et al.
6268788Apparatus and method for providing an authentication system based on biometricsJuly, 2001Gray
6267292Method and apparatus for funds and credit line transfersJuly, 2001Walker et al.
6266754Secure computing device including operating system stored in non-relocatable page of memoryJuly, 2001Laczko, Sr. et al.
6265977Radio frequency identification tag apparatus and related methodJuly, 2001Vega et al.
6264106Combination bar code scanner/RFID circuitJuly, 2001Bridgelall
6263446Method and apparatus for secure distribution of authentication credentials to roaming usersJuly, 2001Kausik et al.
6263316Automated process for retailing to a vehicle occupantJuly, 2001Khan et al.
6260088Single integrated circuit embodying a risc processor and a digital signal processorJuly, 2001Gove et al.
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6255031Near infrared absorbing film, and multi-layered panel comprising the filmJuly, 2001Yao et al.
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6250557Methods and arrangements for a smart card wallet and uses thereofJune, 2001Forslund et al.
6250554Chip card comprising an imaged-receiving layerJune, 2001Leo et al.
6248314Hair dye composition having a particular buffer capacity and containing an alkylene carbonateJune, 2001Nakashimada et al.
6248199Method for the continuous fabrication of access control and identification cards with embedded electronics or other elementsJune, 2001Smulson
6247030Table editing apparatusJune, 2001Suzuki
6240989Business card holder and dispenserJune, 2001Masoud
6240187Key replacement in a public key cryptosystemMay, 2001Lewis
6239675Tuning circuit having switchable capacitor controlled by a selection circuitMay, 2001Flaxl
6237848Reading data from a smart cardMay, 2001Everett
6233683System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart cardMay, 2001Chan et al.
6233348Fingerprint registering apparatus, fingerprint identifying apparatus, and fingerprint identifying methodMay, 2001Fujii et al.
6232917Navigational systemMay, 2001Baumer et al.
6230270Integrated circuit identification systemMay, 2001Laczko, Sr.
6227447Cardless payment systemMay, 2001Campisano
6227424Security purseMay, 2001Roegner
6226382Method for implementing a private-key communication protocol between two processing devicesMay, 2001M'Raihi et al.
6224109Credit card with driver's license or identificationMay, 2001Yang
6223984Distinct smart card reader having wiegand, magnetic strip and bar code types emulation outputMay, 2001Renner et al.
6223977Easy open envelopeMay, 2001Hill
D442627Transparent card with an opacity gradient ornamental rectangle, machine readable stripe and IC chipMay, 2001Webb et al.
D442629Card with an ornamental rectangleMay, 2001Webb et al.
6222914System and method for administration of an incentive award system having a delayed award payment using a credit instrumentApril, 2001McMullin
6220510Multi-application IC card with delegation featureApril, 2001Everett et al.
6219639Method and apparatus for recognizing identity of individuals employing synchronized biometricsApril, 2001Bakis et al.
6219439Biometric authentication systemApril, 2001Burger
6216219Microprocessor circuits, systems, and methods implementing a load target buffer with entries relating to prefetch desirabilityApril, 2001Cai et al.
6215437Procedure for reading the data stored in a transponder and a transponder system for the execution of the procedureApril, 2001Schurmann et al.
6213391Portable system for personal identification based upon distinctive characteristics of the userApril, 2001Lewis
6213390Transaction method of electronic money systemApril, 2001Oneda
6206293Magnetically communicative cardMarch, 2001Gutman et al.
6205151ATM cell scheduler which uses a heap memory and associates timestamps with each channelMarch, 2001Quay et al.
6202927Dual mode proximity and in-range smart card data transaction systemMarch, 2001Bashan et al.
6200272Folding card device for evaluating protective sensationMarch, 2001Linden
6199762Methods and apparatus for dynamic smartcard synchronization and personalizationMarch, 2001Hohle
6199079Method and system for automatically filling forms in an integrated network based transaction environmentMarch, 2001Gupta et al.
6198875Tiris based bios for protection of "copyrighted" program materialMarch, 2001Edenson et al.
6198762Supersonic and subsonic laser with RF discharge excitationMarch, 2001Krasnov
6198728Medium access control (MAC) protocol for wireless ATMMarch, 2001Hulyalkar et al.
6197396Identification card strip assemblyMarch, 2001Haas et al.
6196465Capacitive data card and reader thereofMarch, 2001Awano
6195006Inventory system using articles with RFID tagsFebruary, 2001Bowers et al.
6192255Communication system and methods for enhanced information transferFebruary, 2001Lewis et al.
6189878Clamp for workpiecesFebruary, 2001Dorf
6189787Multifunctional card systemFebruary, 2001Dorf
6189779Latching mechanismFebruary, 2001Verdicchio et al.
6188994Internet billing methodFebruary, 2001Egendorf
6185307Cryptography security for remote dispenser transactionsFebruary, 2001Johnson, Jr.
6184788Electronic missing card alert caseFebruary, 2001Middlemiss et al.
6182895Method and system for gift credit cardFebruary, 2001Albrecht
6181287Reactively coupled elements in circuits on flexible substratesJanuary, 2001Beigel
6179206Electronic shopping system having self-scanning price check and purchasing terminalJanuary, 2001Matsumori
6179205System and method for locking and unlocking and application in a smart cardJanuary, 2001Sloan
6177860Method and economical direct connected apparatus for deploying and tracking computersJanuary, 2001Cromer et al.
6177859Radio frequency communication apparatus and methods of forming a radio frequency communication apparatusJanuary, 2001Tuttle et al.
6173899Method and system for contactless energy transmission and data exchange between a terminal and IC cardJanuary, 2001Rozin
6173898Memory card of the contactless typeJanuary, 2001Mande
6173897Universal card interface module for contact free cardsJanuary, 2001Halpern
6173272Electronic funds transfer method and system and bill presentment method and systemJanuary, 2001Thomas et al.
6173269Method and apparatus for executing electronic commercial transactions with minorsJanuary, 2001Solokl et al.
6171138Electrical connector for removable componentsJanuary, 2001Lefebvre et al.
6168083Chip-card with mode switching between contactless and contact-coupled modeJanuary, 2001Berger et al.
6167236Damping modulation circuit for a full-duplex transponderDecember, 2000Kaiser et al.
6163771Method and device for generating a single-use financial account numberDecember, 2000Walker et al.
6157824Virtual credit card access device for mobile communications equipmentDecember, 2000Bailey
6155168Information recording medium and information recording method suitable for security purposesDecember, 2000Sakamoto
6154879Tokenless biometric ATM access systemNovember, 2000Pare et al.
6148484Clip for retaining a golf score card, and optionally providing advertisement, in passenger-carrying golf cartsNovember, 2000Andreae, Jr.
6148093Methods and device for validating a personal signatureNovember, 2000McConnell et al.
6144948Instant credit card marketing system for reservations for future servicesNovember, 2000Walker et al.
6144916Itinerary monitoring system for storing a plurality of itinerary data pointsNovember, 2000Wood et al.
6141752Mechanism for facilitating secure storage and retrieval of information on a smart card by an internet service provider using various network computer client devicesOctober, 2000Dancs et al.
6141651Funding and settlement integrated suspense processing systemOctober, 2000Riley et al.
6138917Multiple magnetic stripe transaction cards and systems for the utilization thereofOctober, 2000Chapin, Jr.
6138913Security document and method using invisible coded markingsOctober, 2000Cyr et al.
6133834Method of trimming film type antennasOctober, 2000Eberth et al.
6130623Encryption for modulated backscatter systemsOctober, 2000MacLellan et al.
6129274System and method for updating shopping transaction history using electronic personal digital shopping assistantOctober, 2000Suzuki
6128604Card holderOctober, 2000Sakamaki et al.
D432939Foldable medical identification system locket with readable electronic chipOctober, 2000Hooglander
6125352System and method for conducting commerce over a distributed networkSeptember, 2000Franklin et al.
6123223Automated vending system for floral arrangementsSeptember, 2000Watkins
6122625Apparatus and method for secure transactingSeptember, 2000Rosen
6121544Electromagnetic shield to prevent surreptitious access to contactless smartcardsSeptember, 2000Petsinger
6120461Apparatus for tracking the human eye with a retinal scanning display, and method thereofSeptember, 2000Smyth
6118189Identification system reader with multiplexed antennasSeptember, 2000Flaxl
6116736Pupilometer with pupil irregularity detection capabilitySeptember, 2000Stark et al.
6116655Frangible card with a sealed compartmentSeptember, 2000Thouin et al.
6116505Fuel transaction system for enabling the purchase of fuel and non-fuel items on a single authorizationSeptember, 2000Withrow
6116423Multi-functional shipping system for integrated circuit devicesSeptember, 2000Troxtell, Jr. et al.
6115458Method and apparatus for summaries of prepaid instrument transaction activitySeptember, 2000Taskett
6115360Fair scheduling of ATM cell transmissions during overscheduled conditionsSeptember, 2000Quay et al.
6115040Graphical user interface for Web enabled applicationsSeptember, 2000Bladow et al.
6112984Electronic wallet or purse with means for funds transferSeptember, 2000Snavely
6112191Method and system to create and distribute excess funds from consumer spending transactionsAugust, 2000Burke
6112152RFID system in communication with vehicle on-board computerAugust, 2000Tuttle
6109525Method and device for registering vehicles in a road toll facilityAugust, 2000Blomqvist et al.
6108641Integrated nested account financial system with medical savings subaccountAugust, 2000Kenna et al.
6107920Radio frequency identification tag having an article integrated antennaAugust, 2000Eberhardt et al.
6105865Financial transaction system with retirement saving benefitAugust, 2000Hardesty
6105013Method, apparatus, system and firmware for secure transactionsAugust, 2000Curry et al.
6105008Internet loading system using smart cardAugust, 2000Davis et al.
6104922User authentication in a communication system utilizing biometric informationAugust, 2000Baumann
6104311Information storage and identification tagAugust, 2000Lastinger
6104281Radio frequency identification transponder with electronic circuit enabling/disabling capabilityAugust, 2000Heinrich et al.
6102672Motor-driven centrifugal air compressor with internal cooling airflowAugust, 2000Woollenweber
6102162Automated self-service cafeteria systemAugust, 2000Teicher
6101477Methods and apparatus for a travel-related multi-function smartcardAugust, 2000Hohle et al.
6101174Low power, short range point-to-multipoint communications systemsAugust, 2000Langston
6100804Radio frequency identification systemAugust, 2000Brady et al.
6099043Coupon catalogue apparatusAugust, 2000Story
6098879Fuel dispensing system providing customer preferencesAugust, 2000Terranova
6098053System and method for performing an electronic financial transactionAugust, 2000Slater
6095567Key locatorAugust, 2000Buell
6095413System and method for enhanced fraud detection in automated electronic credit card processingAugust, 2000Tetro et al.
6095411Electronic debit card and method for recharging an electronic debit cardAugust, 2000Schrenk
6092198System and method for enabling and controlling anonymous file transfer protocol communicationsJuly, 2000Lanzy et al.
6092057Unattended POS system for automatic control of bank system rejectionsJuly, 2000Zimmerman et al.
6091835Method and system for transcribing electronic affirmationsJuly, 2000Smithies et al.
6089611Card with identifying feature and removable elementJuly, 2000Blank
6088797Tamper-proof electronic processing deviceJuly, 2000Rosen
6088755External storage apparatus which can be connected to a plurality of electronic devices having different types of built-in interface without using a conversion adapterJuly, 2000Kobayashi et al.
6088717Computer-based communication system and method using metadata defining a control-structureJuly, 2000Reed et al.
6088686System and method to performing on-line credit reviews and approvalsJuly, 2000Walker et al.
6088683Secure purchase transaction method using telephone numberJuly, 2000Jalili
6086971Identification card strip and ribbon assemblyJuly, 2000Haas et al.
6085976Travel system and methods utilizing multi-application passenger cardsJuly, 2000Sehr
6084967Radio telecommunication device and method of authenticating a user with a voice authentication tokenJuly, 2000Kennedy et al.
6082422Money clip and card holderJuly, 2000Kaminski
RE36788Funds transfer systemJuly, 2000Mansvelt et al.
6081790System and method for secure presentment and payment over open networksJune, 2000Rosen
6078908Method for authorizing in data transmission systemsJune, 2000Schmitz
6078906Method and system for providing a document service over a computer network using an automated brokered auctionJune, 2000Huberman
6078888Cryptography security for remote dispenser transactionsJune, 2000Johnson, Jr.
6076296Combined holder and handle for machine readable entry cardJune, 2000Schaeffer
6076078Anonymous certified deliveryJune, 2000Camp et al.
6076076Prepaid print card system and methodJune, 2000Gottfreid
6073840Fuel dispensing and retail system providing for transponder prepaymentJune, 2000Marion
6073236Authentication method, communication method, and information processing apparatusJune, 2000Kusakabe et al.
6073112Computer system for merchant communication to customersJune, 2000Geerlings
6072870System, method and article of manufacture for a gateway payment architecture utilizing a multichannel, extensible, flexible architectureJune, 2000Nguyen et al.
6070154Internet credit card securityMay, 2000Tavor et al.
6070150Electronic bill presentment and payment systemMay, 2000Remington et al.
6070003System and method of memory access in apparatus having plural processors and plural memoriesMay, 2000Gove et al.
6068193Process for exchanging energy and data between a read/write terminal and a chip card with contactless connections and/or contact connections as well as a device for this purposeMay, 2000Kreft
6068184Security card and system for use thereofMay, 2000Barnett
6065675Processing system and method for a heterogeneous electronic cash environmentMay, 2000Teicher
6064981Method for online display and negotiation of cargo ratesMay, 2000Barni et al.
6064751Document and signature data capture system and methodMay, 2000Smithies et al.
6064320Automatic vehicle identification system capable of vehicle lane discriminationMay, 2000d'Hont et al.
6061789Secure anonymous information exchange in a networkMay, 2000Hauser et al.
6061344Method of addressing messages and communications systemMay, 2000Wood, Jr.
6060815Frequency mixing passive transponderMay, 2000Nysen
6058476Encryption apparatus for ensuring security in communication between devicesMay, 2000Matsuzaki et al.
6058418Marketing data delivery systemMay, 2000Kobata
6052675Method and apparatus for preauthorizing credit card type transactionsApril, 2000Checchio
6050605Wallet card with sleeve adapted for receipt of elongated functional memberApril, 2000Miklionis et al.
6050494Smart cardApril, 2000Song et al.
6047888Method system and portable data medium for paying for purchasesApril, 2000Dethloff
6045050Prepaid or stored-value card with means for preventing useful fraudulent alterationApril, 2000Ippolito et al.
6044388Pseudorandom number generatorMarch, 2000DeBellis et al.
6044360Third party credit cardMarch, 2000Picciallo
6041412Apparatus and method for providing access to secured data or areaMarch, 2000Timson et al.
6041410Personal identification fobMarch, 2000Hsu et al.
6041308System and method for motivating submission of conditional purchase offersMarch, 2000Walker et al.
6038584Synchronized MIMD multi-processing system and method of operationMarch, 2000Balmer
6038551System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computerMarch, 2000Barlow et al.
6038292Methods and apparatus for language registration of prepaid, remote entry customer accountMarch, 2000Thomas
6036100Noncontact IC cardMarch, 2000Asami
6032866Foldable apparatus having an interfaceMarch, 2000Knighton et al.
6032136Customer activated multi-value (CAM) cardFebruary, 2000Brake, Jr. et al.
6029892Method for electronically transferring personal information on credit gaining card, and mini IC card, adapter card, terminal adapter, slip issuing device, portable terminal used thereinFebruary, 2000Miyake
6029890User-Specified credit card systemFebruary, 2000Austin
6029175Automatic retrieval of changed files by a network software agentFebruary, 2000Chow
6029150Payment and transactions in electronic commerce systemFebruary, 2000Kravitz
6029149Lender direct credit evaluation and loan processing systemFebruary, 2000Dykstra et al.
6029147Method and system for providing an interface for supporting multiple formats for on-line banking servicesFebruary, 2000Horadan et al.
6027028Connector formed as a sleeve pushed over a standard chip cardFebruary, 2000Pieterse et al.
6025283Charge cardFebruary, 2000Roberts
6024385Informational deviceFebruary, 2000Goda
6024286Smart card providing a plurality of independently accessible accountsFebruary, 2000Bradley et al.
6023510Method of secure anonymous query by electronic messages transported via a public network and method of responseFebruary, 2000Epstein
6021943Process for executing payment transactionsFebruary, 2000Chastain
RE36580System for verifying use of credit/identification card including recording physical attributes of unauthorized usersFebruary, 2000Bogosian, Jr.
6018718Method and system for processing customized reward offersJanuary, 2000Walker et al.
6018717Method and apparatus for acquiring access using a fast smart card transactionJanuary, 2000Lee et al.
6016484System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a paymentJanuary, 2000Williams et al.
6016482Enhanced collateralized funding processorJanuary, 2000Molinari et al.
6016476Portable information and transaction processing system and method utilizing biometric authorization and digital certificate securityJanuary, 2000Maes et al.
6014748System and apparatus for smart card personalizationJanuary, 2000Tushi et al.
6014650Purchase management system and methodJanuary, 2000Zampese
6014648Electronic card valetJanuary, 2000Brennan
6014646Process for making a payment using an account managerJanuary, 2000Vallee et al.
6014645Real-time financial card application systemJanuary, 2000Cunningham
6014636Point of sale method and systemJanuary, 2000Reeder
6014635System and method for providing a discount credit transaction networkJanuary, 2000Harris et al.
6014634System and method for providing shopping aids and incentives to customers through a computer networkJanuary, 2000Scroggie et al.
6012636Multiple card data system having first and second memory elements including magnetic strip and fingerprints scanning meansJanuary, 2000Smith
6012143Method for managing security for card-type storage medium and a transaction apparatus thereforJanuary, 2000Tanaka
6012049System for performing financial transactions using a smartcardJanuary, 2000Kawan
6012039Tokenless biometric electronic rewards systemJanuary, 2000Hoffman et al.
6011487System and method of locating wireless devicesJanuary, 2000Plocher
6009412Fully integrated on-line interactive frequency and award redemption programDecember, 1999Storey
6006988Non-cash media card and process of dispensing from automated tellerDecember, 1999Behrmann et al.
6006216Data architecture for fetch-intensive database applicationsDecember, 1999Griffin et al.
6005942System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart cardDecember, 1999Chan et al.
6003014Method and apparatus for acquiring access using a smart cardDecember, 1999Lee et al.
6002767System, method and article of manufacture for a modular gateway server architectureDecember, 1999Kramer
6002438Method and apparatus for storing decoded video informationDecember, 1999Hocevar et al.
6000832Electronic online commerce card with customer generated transaction proxy number for online transactionsDecember, 1999Franklin et al.
5999914Electronic promotion system for an electronic merchant systemDecember, 1999Blinn et al.
5996076System, method and article of manufacture for secure digital certification of electronic commerceNovember, 1999Rowney et al.
5995014Biometric interface device for upgrading existing access control unitsNovember, 1999DiMaria
5991750System and method for pre-authorization of individual account transactionsNovember, 1999Watson
5991748Methods and apparatus for regenerating a prepaid transaction accountNovember, 1999Taskett
5991608Portable communication device with optimized transmission lossNovember, 1999Leyten
5991413Process for the acceptance of a virtual prepaid card use request permitting the reuse of its serial numberNovember, 1999Arditti et al.
5989950Reduced mask CMOS salicided processNovember, 1999Wu
5988510Tamper resistant smart card and method of protecting data in a smart cardNovember, 1999Tuttle
5988497Method for authenticating credit transactions to prevent fraudulent chargesNovember, 1999Wallace
5987498Credit card operated computer on-line service communication systemNovember, 1999Athing et al.
5987155Biometric input device with peripheral portNovember, 1999Dunn et al.
5987140System, method and article of manufacture for secure network electronic payment and credit collectionNovember, 1999Rowney et al.
5984180Method and system for gift credit cardNovember, 1999Albrecht
5983208System, method and article of manufacture for handling transaction results in a gateway payment architecture utilizing a multichannel, extensible, flexible architectureNovember, 1999Haller
5983207Electronic cash eliminating payment riskNovember, 1999Turk et al.
5983200Intelligent agent for executing delegated tasksNovember, 1999Slotznick
5982293Transaction recovery in a value transfer systemNovember, 1999Everett et al.
5979942Mechanical greeting cardNovember, 1999Ivicic
5979757Method and system for presenting item information using a portable data terminalNovember, 1999Tracy et al.
5978840System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architectureNovember, 1999Nguyen et al.
5978348Optical recording medium and process for production thereofNovember, 1999Tamura
RE36365Method and apparatus for distributing currencyNovember, 1999Levine et al.
5974238Automatic data synchronization between a handheld and a host computer using pseudo cache including tags and logical data elementsOctober, 1999Chase, Jr.
5973475Remote smart batteryOctober, 1999Cornbaluzier
5971276Method of reading pattern and optical signal readerOctober, 1999Sano et al.
5970478Method, apparatus, and program for customizing credit accountsOctober, 1999Walker et al.
5970475Electronic procurement system and method for trading partnersOctober, 1999Barnes et al.
5970473Video communication device providing in-home catalog servicesOctober, 1999Gerszberg et al.
5970472Performing electronic commerce on the internet providing links from product manufacturers to authorized dealers where the authorized dealer provides a custom order interface for the manufacturer's productsOctober, 1999Allsop et al.
5970471Virtual catalog and product presentation method and apparatusOctober, 1999Hill
5970470System and method for establishing and managing subscription purchase agreements including commitments to purchase goods over time at agreed upon pricesOctober, 1999Walker
5970148Low cost encryption transponderOctober, 1999Meier
5969318Gateway apparatus for designing and issuing multiple application cardsOctober, 1999Mackenthun
5968570Folded pastry productOctober, 1999Paulucci
5966697System and method for secure transaction order management processingOctober, 1999Fergerson et al.
5963924System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerceOctober, 1999Williams et al.
5963915Secure, convenient and efficient system and method of performing trans-internet purchase transactionsOctober, 1999Kirsch
5960416Real time subscriber billing at a subscriber location in an unstructured communication networkSeptember, 1999Block
5960411Method and system for placing a purchase order via a communications networkSeptember, 1999Hartman et al.
5958004Disabling and enabling transaction committal in transactional application componentsSeptember, 1999Helland et al.
5956699System for secured credit card transactions on the internetSeptember, 1999Wong et al.
5956693Computer system for merchant communication to customersSeptember, 1999Geerlings
5956024Graphical user interface for customer service representatives for subscriber management systemsSeptember, 1999Strickland et al.
5955969Method to prevent rouge transponder responses in automatic vehicle identification systemsSeptember, 1999d'Hont
5955951Combined article surveillance and product identification systemSeptember, 1999Wischerop et al.
5955717Transaction verification protocol for Smart CardsSeptember, 1999Vanstone
5953710Children's credit or debit card systemSeptember, 1999Fleming
5953512Microprocessor circuits, systems, and methods implementing a loop and/or stride predicting load target bufferSeptember, 1999Cai et al.
5950179Method and system for issuing a secured credit cardSeptember, 1999Buchanan
5950174Affiliation-based arrangement for billingSeptember, 1999Brendzel
5949876Systems and methods for secure transaction management and electronic rights protectionSeptember, 1999Ginter et al.
5949335RFID tagging system for network assetsSeptember, 1999Maynard
5949044Method and apparatus for funds and credit line transfersSeptember, 1999Walker et al.
5948116Bit error correction algorithmSeptember, 1999Aslanidis et al.
5945653System and method for establishing and executing functions to affect credit card accounts and transactionsAugust, 1999Walker et al.
5943624Contactless smartcard for use in cellular telephoneAugust, 1999Fox et al.
5942761Enhancement methods and devices for reading a fingerprint imageAugust, 1999Tuli
5938010Multi-purpose holder deviceAugust, 1999Osterbye
5936227Plastics card comprising a mini-smart-card which can be separated therefromAugust, 1999Truggelmann et al.
5936226Mass storage device adapter for smart cardsAugust, 1999Aucsmith
5936221Smart card system and method for transferring valueAugust, 1999Corder et al.
5933624Synchronized MIMD multi-processing system and method inhibiting instruction fetch at other processors while one processor services an interruptAugust, 1999Balmer
5933328Compact mechanism for removable insertion of multiple integrated circuit cards into portable and other electronic devicesAugust, 1999Wallace et al.
5932870Documents containing a magnetic strip with a bar code affixed theretoAugust, 1999Berson
5931917System, method and article of manufacture for a gateway system architecture with system administration information accessible from a browserAugust, 1999Nguyen et al.
5930777Method of charging for pay-per-access information over a networkJuly, 1999Barber
5930767Transaction methods systems and devicesJuly, 1999Reber et al.
5929801Method for repeating interrogations until failing to receive unintelligible responses to identify plurality of transponders by an interrogatorJuly, 1999Aslanidis et al.
5928788Data carrier with layers of modified PETJuly, 1999Riedl
5924624Magnetic pocket frameJuly, 1999Martin
5924080Computerized discount redemption systemJuly, 1999Johnson
5923884System and method for loading applications onto a smart cardJuly, 1999Peyret et al.
5923734Methods and apparatus for providing a prepaid, remote memory transaction account with voice indiciaJuly, 1999Taskett
5920847Electronic bill pay systemJuly, 1999Kolling et al.
5920629Electronic-monetary systemJuly, 1999Rosen
5920628Method and apparatus for fingerprinting and authenticating various magnetic mediaJuly, 1999Indeck et al.
5920058Holographic labeling and reading machine for authentication and security applicationsJuly, 1999Weber et al.
5918216Automatic recognition of periods for financial transactionsJune, 1999Miksovsky et al.
5917925System for dispensing, verifying and tracking postage and other information on mailpiecesJune, 1999Moore
5917913Portable electronic authorization devices and methods thereforJune, 1999Wang
5917168System and method for revaluation of stored tokens in IC cardsJune, 1999Nakamura et al.
5915973System for administration of remotely-proctored, secure examinations and methods thereforJune, 1999Hoehn-Saric et al.
5915023Automatic portable account controller for remotely arranging for transfer of value to a recipientJune, 1999Bernstein
5915016Identity card reader deviceJune, 1999Savalle et al.
5914472Credit card spending authorization control systemJune, 1999Foladare et al.
5913203System and method for pseudo cash transactionsJune, 1999Wong et al.
5912678Process flow design at the module effects level through the use of acceptability regionsJune, 1999Saxena et al.
5912446Card reader with carriage powered by movement of inserted cardJune, 1999Wong et al.
5909492Network sales systemJune, 1999Payne et al.
5907620Method and apparatus for enforcing the use of cryptography in an international cryptography frameworkMay, 1999Klemba et al.
5905908Open network system for I/O operations with non-standard I/O devices utilizing extended protocol including device identifier and identifier for operation to be performed with deviceMay, 1999Wagner
5905798TIRIS based kernal for protection of "copyrighted" program materialMay, 1999Nerlikar et al.
5903880Self-contained payment system with circulating digital vouchersMay, 1999Biffar
5903875Method of issuing a service ticket in transactions of commodities by making use of communicationMay, 1999Kohara
5903830Transaction security apparatus and methodMay, 1999Joao et al.
5901239Skin pattern and fingerprint classification systemMay, 1999Kamei
5900954Machine readable record carrier with hologramMay, 1999Katz et al.
5898838Editor for developing statements to support i/o operation on open network using segregator for segregating protocol statements from application statements upon verification of correspondenceApril, 1999Wagner
5898783System and method for employing a telecommunications network to remotely disable a SIM or smartcardApril, 1999Rohrbach
5897622Electronic shopping and merchandising systemApril, 1999Blinn et al.
5892211Transaction system comprising a first transportable integrated circuit device, a terminal, and a security deviceApril, 1999Davis et al.
D408054Partially transparent card with opaque machine-readable and signature-receiving stripesApril, 1999Leedy, Jr.
5890137On-line shopping system and the method of payment settlementMarch, 1999Koreeda
5889941System and apparatus for smart card personalizationMarch, 1999Tushie et al.
5887266Method for using applications in a mobile station, a mobile station and a system for effecting paymentsMarch, 1999Heinonen et al.
5886333Method for electronically transferring personal information on credit gaining card, and mini IC card, adapter card, terminal adapter, slip issuing device, portable used thereinMarch, 1999Miyake
5884310Distributed data integration method and systemMarch, 1999Brichta et al.
5884292System for smart card funds refillMarch, 1999Baker et al.
5884280System for and method of distributing proceeds from contentsMarch, 1999Yoshioka et al.
5884271Device, system and methods of conducting paperless transactionsMarch, 1999Pitroda
5883810Electronic online commerce card with transactionproxy number for online transactionsMarch, 1999Franklin et al.
5883377Multiple magnetic stripe transaction cards and systems for the utilization thereofMarch, 1999Chapin, Jr.
5881272Synchronized MIMD multi-processing system and method inhibiting instruction fetch at other processors on write to program counter of one processorMarch, 1999Balmer
5880675Reusable package for identification devicesMarch, 1999Trautner
5878403Computer implemented automated credit application analysis and decision routing systemMarch, 1999DeFrancesco et al.
5878337Transaction security apparatus and methodMarch, 1999Joao et al.
5878215System and method for processing multiple electronic transaction requestsMarch, 1999Kling et al.
5878141Computerized purchasing system and method for mediating purchase transactions over an interactive networkMarch, 1999Daly et al.
5878138System and method for detecting fraudulent expenditure of electronic assetsMarch, 1999Yacobi
D406861Partially transparent card with opaque machine-readable and signature-receiving stripesMarch, 1999Leedy, Jr.
5875432Computerized voting information system having predefined content and voting templatesFebruary, 1999Sehr
5870915Key lock having inductive key detection and method of constructionFebruary, 1999d'Hont
5870723Tokenless biometric transaction authorization method and systemFebruary, 1999Pare, Jr. et al.
5870031Full-wave rectifier and method of operation for a recognition systemFebruary, 1999Kaiser et al.
5869822Automated fingerprint identification systemFebruary, 1999Meadows et al.
5867100Air Coil a security badge and a transponderFebruary, 1999d'Hont
5865470Peel off coupon redemption card with microprocessor chip and tracking systemFebruary, 1999Thompson
5864830Data processing method of configuring and monitoring a satellite spending card linked to a host credit cardJanuary, 1999Armetta et al.
5864323Ring antennas for resonant circuitsJanuary, 1999Berthon
5864306Detection regions for transponder trackingJanuary, 1999Dwyer et al.
5862325Computer-based communication system and method using metadata defining a control structureJanuary, 1999Reed et al.
5859779Portable point-of sale terminal with device for inputting security code access keyJanuary, 1999Giordano et al.
5859587Data communication and electronic article surveillance tagJanuary, 1999Alicot et al.
5859419Programmable multiple company credit card systemJanuary, 1999Wynn
5858006Hypodermic needle with a protrusionJanuary, 1999Van der AA et al.
5857709Anticounterfeit documentation with see-through and write-able hologramJanuary, 1999Chock
5857152Electronic toll paymentJanuary, 1999Everett
5857079Smart card for automatic financial recordsJanuary, 1999Claus et al.
5856048Information-recorded media and methods for reading the informationJanuary, 1999Tahara et al.
5854891Smart card reader having multiple data enabling storage compartmentsDecember, 1998Postlewaite et al.
5852812Billing system for a networkDecember, 1998Reeder
5851149Distributed gaming systemDecember, 1998Xidos et al.
5845267System and method for billing for transactions conducted over the internet from within an intranetDecember, 1998Ronen
5844230Information cardDecember, 1998Lalonde
5844218Method and system for using an application programmable smart card for financial transactions in multiple countriesDecember, 1998Kawan et al.
5842088Method of calibrating a spatial light modulator printing systemNovember, 1998Thompson
5841364Method and apparatus for transfering information from a transponderNovember, 1998Hagl et al.
5838818Artifact reduction compression method and apparatus for mosaiced imagesNovember, 1998Herley
5838720Transceiver control with sleep mode operationNovember, 1998Morelli
5838257Keyless vehicle entry system employing portable transceiver having low power consumptionNovember, 1998Lambropoulos
5835894Speaker and command verification methodNovember, 1998Adcock et al.
5834756Magnetically communicative cardNovember, 1998Gutman et al.
5828044Non-contacting type radio frequency recognizing credit card systemOctober, 1998Jun et al.
5826243Integrated system for controlling master account and nested subaccount(s)October, 1998Musmanno et al.
5826242Method of on-line shopping utilizing persistent client state in a hypertext transfer protocol based client-server systemOctober, 1998Montulli
5826241Computerized system for making payments and authenticating transactions over the internetOctober, 1998Stein et al.
5826077Apparatus and method for adding an associative query capability to a programming languageOctober, 1998Blakeley et al.
5825302System and method for transmitting data using reflected electromagnetic radiationOctober, 1998Stafford
5825007Automatic non-computer network no-stop collection of expressway tolls by prepaid cards and method: pay according to category of vehicle and the distance it travelsOctober, 1998Jesadanont
5823359Desktop vertical file assemblyOctober, 1998Harris et al.
5815657System, method and article of manufacture for network electronic authorization utilizing an authorization instrumentSeptember, 1998Williams et al.
5815252Biometric identification process and system utilizing multiple parameters scans for reduction of false negativesSeptember, 1998Price-Francis
5809633Method for producing a smart card module for contactless smart cardsSeptember, 1998Mundigl et al.
5809288Synchronized MIMD multi-processing system and method inhibiting instruction fetch on memory access stallSeptember, 1998Balmer
5809142Method and system for calculating a user account balance in a recognition systemSeptember, 1998Hurta et al.
5808758Data carrier with an optically variable elementSeptember, 1998Solmsdorf
5806045Method and system for allocating and redeeming incentive credits between a portable device and a base deviceSeptember, 1998Biorge et al.
5799087Electronic-monetary systemAugust, 1998Rosen
5798709Wireless transmitter carrier phase synchronizationAugust, 1998Flaxl
5797133Method for automatically determining the approval status of a potential borrowerAugust, 1998Jones et al.
5797085Wireless communication system for reliable communication between a group of apparatusesAugust, 1998Buek et al.
5797060Electrophotographic printing subsystem with self-monitoring and adjustmentAugust, 1998Thompson
5796831Method for conducting a transaction between a chip card and an information systemAugust, 1998Paradinas et al.
5794095Intelligent printing systemAugust, 1998Thompson
5793324Transponder signal collision avoidance systemAugust, 1998Aslanidis et al.
5792337Method and apparatus for detection of corrosionAugust, 1998Padovani et al.
5791474Wallet card packageAugust, 1998Hansen
5789733Smart card with contactless optical interfaceAugust, 1998Jachimowicz et al.
5786587Enhancement of chip card securityJuly, 1998Colgate, Jr.
5785680Injector and object to be injected by the injectorJuly, 1998Niezink et al.
5778173Mechanism for enabling secure electronic transactions on the open internetJuly, 1998Apte
5778069Non-biased pseudo random number generatorJuly, 1998Thomlinson
5778067Value transfer systemJuly, 1998Jones et al.
5777903Solar cell powered smart card with integrated display and interface keypadJuly, 1998Piosenka
5774882Credit approval systemJune, 1998Keen et al.
5773812Chip card capable of both contact and contactless operation including a contact blockJune, 1998Kreft
5770843Access card for multiple accountsJune, 1998Rose et al.
5769457Printed sheet mailers and methods of makingJune, 1998Warther
5768609Reduced area of crossbar and method of operationJune, 1998Gove et al.
5768385Untraceable electronic cashJune, 1998Simon
5764789Tokenless biometric ATM access systemJune, 1998Pare, Jr. et al.
5761493Apparatus and method for adding an associative query capability to a programming languageJune, 1998Blakeley et al.
5761306Key replacement in a public key cryptosystemJune, 1998Lewis
5758195Register to memory data transfers with field extraction and zero/sign extension based upon size and mode data corresponding to employed address registerMay, 1998Balmer
5757917Computerized payment system for purchasing goods and services on the internetMay, 1998Rose et al.
5748737Multimedia electronic wallet with generic cardMay, 1998Daggar
5748137Wireless flywheel synchronization methodMay, 1998d'Hont
5745571Cryptographic communications method and systemApril, 1998Zuk
5742845System for extending present open network communication protocols to communicate with non-standard I/O devices directly coupled to an open networkApril, 1998Wagner
5742756System and method of using smart cards to perform security-critical operations requiring user authorizationApril, 1998Dillaway et al.
5739512Digital delivery of receiptsApril, 1998Toganazzini
5737439Anti-fraud biometric scanner that accurately detects blood flowApril, 1998Lapsley et al.
5734838Database computer architecture for managing an incentive award program and checking float of funds at time of purchaseMarch, 1998Robinson et al.
5732579Key having an air coil antenna and a method of constructionMarch, 1998d'Hont et al.
5731957Transponder including a fluid cushioning medium and a method for its productionMarch, 1998Brennan
5729236Identification system reader with multiplexed antennasMarch, 1998Flaxl
5729053Apparatus and method for flat circuit assemblyMarch, 1998Orthmann
5727696Business card display holderMarch, 1998Valiulis
5727140Character generating method and apparatusMarch, 1998Ohtomo et al.
5725098Portable, folding receptacle or box wallet form made from a plastic materialMarch, 1998Seifert et al.
5724424Digital active advertisingMarch, 1998Gifford
5721781Authentication system and method for smart card transactionsFebruary, 1998Deo et al.
5720500Plastic card provided with magnetic stripeFebruary, 1998Okazaki et al.
5715399Secure method and system for communicating a list of credit card numbers over a non-secure networkFebruary, 1998Bezos
5710421IC cardJanuary, 1998Kokubu
5705852Non-contact IC card and process for its productionJanuary, 1998Orihara et al.
5705798System and method for processing a customized financial transaction cardJanuary, 1998Tarbox
5705101Near infrared absorber, preparation process therefor and use thereofJanuary, 1998Oi et al.
5704046System and method for conducting cashless transactionsDecember, 1997Hogan
5701127Automatic vehicle identification system capable of vehicle lane discriminationDecember, 1997Sharpe
5700037Security improved cardDecember, 1997Keller
5699528System and method for bill delivery and payment over a communications networkDecember, 1997Hogan
5698837Method and system for identifying and communicating with a plurality of contactless IC cardsDecember, 1997Furuta
5697649Articles employing a magnetic security featureDecember, 1997Dames et al.
5696913Unique processor identifier in a multi-processing system having plural memories with a unified address space corresponding to each processorDecember, 1997Gove et al.
5694596On-line database updating network system and methodDecember, 1997Campbell
5692132System and method for conducting cashless transactions on a computer networkNovember, 1997Hogan
5691731Closed slot antenna having outer and inner magnetic loopsNovember, 1997vanErven
5689100Debit card system and method for implementing incentive award programNovember, 1997Carrithers
5686920Transponder maintenance mode methodNovember, 1997Hurta et al.
5677953System and method for access control for portable data storage mediaOctober, 1997Dolphin
5675342Automatic vehicle identification system capable of vehicle lane discriminationOctober, 1997Sharpe
D384971Smart card with chip bearing a source identifierOctober, 1997Kawan
5673106Printing system with self-monitoring and adjustmentSeptember, 1997Thompson
5668876User authentication method and apparatusSeptember, 1997Falk et al.
5665439Articles of manufacture fashioned from hydraulically settable sheetsSeptember, 1997Andersen et al.
5660319Ultrasonic bonding processAugust, 1997Falcone et al.
5657388Method and apparatus for utilizing a token for resource accessAugust, 1997Weiss
5649118Smart card with multiple charge accounts and product item tables designating the account to debitJuly, 1997Carlisle et al.
5646607Transponder/interrogator protocol in a multi-interrogator fieldJuly, 1997Schurmann et al.
5641050Dispensing machine with data card scanner apparatus and enhanced featuresJune, 1997Smith et al.
5640002Portable RF ID tag and barcode readerJune, 1997Ruppert et al.
5638080Manufacture of a flexible antenna, with or without an inner permeable magnetic layerJune, 1997Orthmann et al.
5629981Information management and security systemMay, 1997Nerlikar
5625695Process for generating DSA signatures with low-cost portable apparatusesApril, 1997M'Raihi et al.
5625370Identification system antenna with impedance transformerApril, 1997d'Hont
5625366Flat flexible antennaApril, 1997d'Hont
5621412Multi-stage transponder wake-up, method and structureApril, 1997Sharpe et al.
5621411Positioning with RF-ID transpondersApril, 1997Hagl et al.
5621396Method and apparatus with adaptive transponder pluckingApril, 1997Flaxl
5621199RFID readerApril, 1997Calari et al.
5619207Highly accurate RE-ID positioning systemApril, 1997d'Hont
5614703Hotel check-in system with wireless communicationMarch, 1997Martin et al.
5613146Reconfigurable SIMD/MIMD processor using switch matrix to allow access to a parameter memory by any of the plurality of processorsMarch, 1997Gove et al.
5613131Auto-formatting of tables in a spreadsheet programMarch, 1997Moss et al.
5613001Digital signature verification technology for smart credit card and internet applicationsMarch, 1997Bakhoum
5611965Plastic optical filterMarch, 1997Shouji et al.
5608778Cellular telephone as an authenticated transaction controllerMarch, 1997Partridge, III
5608406Device for controlling discharge of a charge capacitor in a transponderMarch, 1997Eberth et al.
5608203Credit card with magnifying lensMarch, 1997Finkelstein et al.
5607522Method of making electrical contact materialMarch, 1997McDonnell
5606594Communication accessory and method of telecommunicating for a PDAFebruary, 1997Register et al.
5606520Address generator with controllable modulo power of two addressing capabilityFebruary, 1997Gove et al.
5604801Public key data communications system under control of a portable security deviceFebruary, 1997Dolan et al.
5604342Noncontact card and card systemFebruary, 1997Fujioka
5602919Speedup for monetary transactions using a transponder in conjunction with a smartcardFebruary, 1997Hurta et al.
5602918Application level security system and methodFebruary, 1997Chen et al.
5602538Apparatus and method for identifying multiple transpondersFebruary, 1997Orthmann et al.
5600175Apparatus and method for flat circuit assemblyFebruary, 1997Orthmann
5597534Apparatus for wireless chemical sensingJanuary, 1997Kaiser
5594448Highly accurate RF-ID positioning systemJanuary, 1997d'Hont
5594233Multiple standard smart card readerJanuary, 1997Kenneth et al.
5594227System and method for protecting unauthorized access to data contentsJanuary, 1997Deo
5592767Holder for identification cardsJanuary, 1997Treske
5592405Multiple operations employing divided arithmetic logic unit and multiple flags registerJanuary, 1997Gove et al.
5592150Air coil and method of making the sameJanuary, 1997d'Hont
5590197Electronic payment system and methodDecember, 1996Chen et al.
5590038Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactionsDecember, 1996Pitroda
5585787Programmable credit cardDecember, 1996Wallerstein
5581630Personal identificationDecember, 1996Bonneau, Jr.
5578808Data card that can be used for transactions involving separate card issuersNovember, 1996Taylor
5577609Two-part articles, including hinged articlesNovember, 1996Hexter
5577121Transaction system for integrated circuit cardsNovember, 1996Davis et al.
5577120Method and apparatus for restrospectively identifying an individual who had engaged in a commercial or retail transaction or the likeNovember, 1996Penzias
5577109Pre-paid card system and methodNovember, 1996Stimson et al.
5575094Greeting card and picture frame combinationNovember, 1996Leake et al.
5572815Business card holderNovember, 1996Kovner
5572226Spherical antenna pattern(s) from antenna(s) arranged in a two-dimensional plane for use in RFID tags and labelsNovember, 1996Tuttle
5569897Credit card system and method of issuing credit card using such a systemOctober, 1996Masuda
5569187Method and apparatus for wireless chemical supplyingOctober, 1996Kaiser
5563582Integrated air coil and capacitor and method of making the sameOctober, 1996d'Hont
5561430Inductor/antenna for a recognition systemOctober, 1996Knebelkamp
5559887Collection of value from stored value systemsSeptember, 1996Davis et al.
5559504Surface shape sensor, identification device using this sensor, and protected system using this deviceSeptember, 1996Itsumi et al.
5557516System and method for conducting cashless transactionsSeptember, 1996Hogan
5557279Unitarily-tuned transponder/shield assemblySeptember, 1996d'Hont
5555877Cover for pond used to collect solar radiationSeptember, 1996Lockwood et al.
5552789Integrated vehicle communications systemSeptember, 1996Schuermann
5550548Interrogator for detecting adjacent transpondersAugust, 1996Schuermann
5550536Circuit frequency following technique transponder resonantAugust, 1996Flaxl
5548291Read/write transponder arrangement and method of communicationAugust, 1996Meier et al.
5544246Smartcard adapted for a plurality of service providers and for remote installation of sameAugust, 1996Mandelbaum et al.
5543798Method of providing a synchronized data stream suitable for use in a combined FDX and HDX RF-ID systemAugust, 1996Schuermann
5541604Transponders, Interrogators, systems and methods for elimination of interrogator synchronization requirementJuly, 1996Meier
5541582Apparatus for data communication switchingJuly, 1996Wagner et al.
5539825Electronic cashless transaction systemJuly, 1996Akiyama
5537314Referral recognition system for an incentive award programJuly, 1996Kanter
5534857Method and system for secure, decentralized personalization of smart cardsJuly, 1996Laing et al.
5533656Combination wallet with removeable clipJuly, 1996Bonaldi
5530232Multi-application data cardJune, 1996Taylor
5528222Radio frequency circuit and memory in thin flexible packageJune, 1996Moskowitz et al.
5525994Transponder interface circuitJune, 1996Hurta et al.
5525992Method and system for conserving power in a recognition systemJune, 1996Froschermeier
5522083Reconfigurable multi-processor operating in SIMD mode with one processor fetching instructions for use by remaining processorsMay, 1996Gove et al.
5521966Method and system for mediating transactions that use portable smart cardsMay, 1996Friedes et al.
5520230Pocket card holder with money clipMay, 1996Sumner, III
5519381Detection of multiple articlesMay, 1996Marsh et al.
5518810Infrared ray cutoff material and infrared cutoff powder use for sameMay, 1996Nishihara et al.
5516153Security document and a method for producing itMay, 1996Kaule
5514860Document authentication system utilizing a transparent labelMay, 1996Berson
5513525Arrangement for monitoring the operating state of vehicle pneumatic tires mounted on wheel rimsMay, 1996Schurmann
5513272System for verifying use of a credit/identification card including recording of physical attributes of unauthorized usersApril, 1996Bogosian, Jr.
5506395Multi-access card and card holder with a plurality of machine readable service access codes placed thereonApril, 1996Eppley
5504808Secured disposable debit card calling system and methodApril, 1996Schuermann
5503434Credit/service card with expanded surface areaApril, 1996Gunn
5500651System and method for reading multiple RF-ID transpondersMarch, 1996Schuermann
5500513Automated purchasing control systemMarch, 1996Langhans et al.
5497121Automatically correcting data detection circuit and method for FSK modulated signalsMarch, 1996d'Hont
5493312Reduced current antenna circuitFebruary, 1996Knebelkamp
5491715Automatic antenna tuning method and circuitFebruary, 1996Flaxl
5491484Electronic transponder tuning circuitryFebruary, 1996Schuermann
5491483Single loop transponder system and methodFebruary, 1996d'Hont
5490079System for automated toll collection assisted by GPS technologyFebruary, 1996Sharpe et al.
5489908Apparatus and method for identifying multiple transpondersFebruary, 1996Orthmann et al.
5489411Titanium metal foils and method of makingFebruary, 1996Jha et al.
5488376Transponder interface circuitJanuary, 1996Hurta et al.
5485510Secure credit/debit card authorizationJanuary, 1996Colbert
5479530Signature capturing printer and data card terminalDecember, 1995Nair et al.
5479494Virtual calling card systemDecember, 1995Clitherow
5478629Polymeric sheets and laminas having high flexural durabilityDecember, 1995Norman
5477040Structure for a method of facilitating charge transactionsDecember, 1995Lalonde
5477038Method and apparatus for distributing currencyDecember, 1995Levine et al.
5471592Multi-processor with crossbar link of processors and memories and method of operationNovember, 1995Gove et al.
5461219Apparatus and method for automated printing, reading, and dividing of information-carrying documentsOctober, 1995Cronvall
5461217Secure money transfer techniques using smart cardsOctober, 1995Claus
5453747Transponder systems for automatic identification purposesSeptember, 1995d'Hont et al.
5438184Method and apparatus for electronic cash transactionsAugust, 1995Roberts et al.
5428363Antenna system for use in an automatic vehicular identification systemJune, 1995d'Hont
5412192Radio frequency activated charge cardMay, 1995Hoss
5410649Imaging computer system and networkApril, 1995Gove
5410142Optical card with printing visible below the optical recordingApril, 1995Tsuboi et al.
5408243Method for producing a flat flexible antennaApril, 1995d'Hont
5407893Material for making identification cardsApril, 1995Koshizuka et al.
5397881Third millenium credit card with magnetically onto it written multiple validity dates, from which is one single day as the credit card's validity day selected day after day by the legitimate card ownerMarch, 1995Mannik
5383687Value document and embossing foil for the production thereofJanuary, 1995Suess et al.
5373303Built-in chip transponder with antenna coilDecember, 1994d'Hont
5371896Multi-processor having control over synchronization of processors in mind mode and method of operationDecember, 1994Gove et al.
5365551Data communication transceiver using identification protocolNovember, 1994Snodgrass et al.
5359522Fluid delivery control apparatusOctober, 1994Ryan
5355411Document security systemOctober, 1994MacDonald
5351142Semi-transparent reflective layer for a phase hologramSeptember, 1994Cueli
5351052Transponder systems for automatic identification purposesSeptember, 1994d'Hont et al.
5349357Circuit arrangement for obtaining a constant field strength of an HF signal radiated by a transmitting device with exchangeable antennaSeptember, 1994Schurmann
5339447Ones counting circuit, utilizing a matrix of interconnected half-adders, for counting the number of ones in a binary string of image dataAugust, 1994Balmer
5331138Hybrid card readerJuly, 1994Saroya
5329617Graphics processor nonconfined address calculation systemJuly, 1994Asal
5326964Separable multi-account safety credit cardJuly, 1994Risser
5326960Currency transfer system and methodJuly, 1994Tannenbaum
5321751Method and apparatus for credit card verificationJune, 1994Ray et al.
5311679Shoe pocketMay, 1994Birch, Sr.
5308121Credit/service card with expanded surface areaMay, 1994Gunn
5305002Hinged read-out antenna systemApril, 1994Holodak et al.
5304789Multilayer card-shaped data carrier and method for producing sameApril, 1994Lob et al.
5300764Transparent optical identification label with infrared directivityApril, 1994Hoshino et al.
5288978Mutual authentication system and method which checks the authenticity of a device before transmitting authentication data to the deviceFebruary, 1994Iijima
5285100Semiconductor switching deviceFebruary, 1994Byatt
5279019Credit card and money carrying deviceJanuary, 1994Knickle
5276311Method and device for simplifying the use of a plurality of credit cards, or the likeJanuary, 1994Hennige
5274392Tilted antennaDecember, 1993d'Hont et al.
5272326Optical card having light absorbing layerDecember, 1993Fujita et al.
5259649Credit cardNovember, 1993Shomron
5257656Wallet and card holderNovember, 1993McLeroy
5256473Infrared absorbing film improved in transparencyOctober, 1993Kotani et al.
5251937Multilayer data carrier and a method for producing itOctober, 1993Ojster
5247304Interrogating station for identification purposes, with separate transmitting and receiving antennaeSeptember, 1993d'Hont
5245329Access control system with mechanical keys which store dataSeptember, 1993Gokcebay
5239654Dual mode SIMD/MIMD processor providing reuse of MIMD instruction memories as data memories when operating in SIMD modeAugust, 1993Ing-Simmons et al.
5234624Method of manufacture of a data processing card provided with signs and data processing card provided with signs obtained by laser radiationAugust, 1993Bauer et al.
5226989Method for reducing thickness of a titanium foil or thin strip elementJuly, 1993Sukonnik
5222282Method for reducing thickness of a high-strength low-ductility metal foil on thin strip elementJune, 1993Sukonnik et al.
5221838Electronic walletJune, 1993Gutman et al.
5217844Optical recording medium, method of producing the same and method of producing the optical recording cardJune, 1993Fukushima et al.
5212777Multi-processor reconfigurable in single instruction multiple data (SIMD) and multiple instruction multiple data (MIMD) modes and method of operationMay, 1993Gove et al.
5208110Security cardsMay, 1993Smith et al.
5206488Credit card system including a central unit and a plurality of local units for conducting low-cost transactionsApril, 1993Teicher
5202826Centralized consumer cash value accumulation system for multiple merchantsApril, 1993McCarthy
5198647Plural-coil non-contact IC card having pot cores and shielding wallsMarch, 1993Mizuta
5197140Sliced addressing multi-processor and method of operationMarch, 1993Balmer
5193114Consumer oriented smart card system and authentication techniquesMarch, 1993Moseley
5192947Credit card pager apparatusMarch, 1993Neustein
5180902Self verifying transaction card with disabling capabilityJanuary, 1993Schick et al.
5175416Funds transfer systemDecember, 1992Mansvelt et al.
5171039Medical information cardDecember, 1992Dusek
5142383Holograms with discontinuous metallization including alpha-numeric shapesAugust, 1992Mallik
5125356Missing card warning deviceJune, 1992Galante
5111033Optical cardMay, 1992Fujita et al.
5106125Arrangement to improve forgery protection of credit documentsApril, 1992Antes
5101200Fast lane credit cardMarch, 1992Swett
5099226Intelligent security systemMarch, 1992Andrews
5096228Notched I.D. cardMarch, 1992Rinderknecht
5068894Method of generating a unique number for a smart card and its use for the cooperation of the card with a host systemNovember, 1991Hoppe
5053774Transponder arrangementOctober, 1991Schuermann et al.
5052328Apparatus for preventing credit card lossOctober, 1991Eppenbach
5025372System and method for administration of incentive award program through use of creditJune, 1991Burton et al.
5023908Method and apparatus for personal identificationJune, 1991Weiss
5023782Travelers cheque transaction terminalJune, 1991Lutz et al.
5016274On-line/off-line digital signingMay, 1991Micali et al.
5015830Electronic card reading deviceMay, 1991Masuzawa et al.
5004899Semiconductor card which can be folded1991-04-02Ueda
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Primary Examiner:
Kim, Ahshik
Attorney, Agent or Firm:
Snell & Wilmer L.L.P.
Parent Case Data:

CROSS REFERENCE TO RELATED APPLICATIONS

This application is a Reissue of U.S. application Ser. No. 10/710,484 (filed Jul. 14, 2004), now U.S. Pat. No. 6,991,157 (issued Jan. 31, 2006); the '484 application itself is a continuation of, and claims priority to, U.S. Ser. No. 10/242,584, filed on Sep. 12, 2002 now U.S. Pat. No. 6,805,287 issued Oct. 19, 2004, and entitled “SYSTEM AND METHOD FOR CONVERTING A STORED VALUE CARD TO A CREDIT CARD,” which is hereby incorporated by reference.

Claims:
What is claimed is:

1. A method for facilitating the re-association of an account number associated with a first transaction account to a second transaction account, comprising the steps of: providing said second transaction account; receiving said account number associated with said first transaction account; and associating account number with said second transaction account; wherein said account number is a proxy account number associate associated with a transponder, wherein said proxy account number within a proxy system is configured to associate said proxy account number to more than one transaction account, and wherein said proxy account number is authorized to be used for multiple transactions.

2. The method of claim 1, wherein said account number comprises unchangeable indicia permanently associating said account number with a proxy account number.

3. The method of claim 1, wherein said first transaction account includes at least one of a stored value account, charge card account, loyalty account, phone card account, credit card account, and debit card account.

4. The method of claim 1, wherein said second transaction account includes at least one of a stored value account, charge card account, loyalty account, phone card account, credit card account, and debit card account.

5. The method of claim 1, wherein said account number includes at least one of a number, code, letter, symbol, and biometric.

6. The method of claim 1, wherein said receiving step further includes receiving a PIN.

7. A method for facilitating the re-association of an account number associated with a first transaction account to a second transaction account, comprising the steps of: providing said second transaction account; receiving said account number associated with said first transaction account; and associating said account number with said second transaction account, wherein said second transaction account is associated with at least one of a stored value account, charge card account, loyalty account, phone card account, credit card account, and debit card account; wherein said account number is a proxy account number, wherein said proxy account number within a proxy system is configured to associate said proxy account number to more than one transaction account, and wherein said proxy account number is authorized to be used for multiple transactions.

8. A method for facilitating the re-association of an account code associated with a first transaction account to a second transaction account, comprising: receiving said account code associated with said first transaction account; and associating said account code with said second transaction account; wherein said account code comprises a proxy account code within a proxy system, wherein said proxy account code is configured to associate said proxy account code to more than one transaction account, and wherein said proxy account code is authorized to be used for multiple transactions.

9. The method of claim 8, wherein said account code comprises unchangeable indicia permanently associating said account code with said proxy account code.

10. The method of claim 8, wherein said first transaction account includes at least one of a stored value account, charge card account, loyalty account, phone card account, credit card account, and debit card account.

11. The method of claim 8, wherein said second transaction account includes at least one of a stored value account, charge card account, loyalty account, phone card account, credit card account, and debit card account.

12. The method of claim 8, wherein said account code includes at least one of: a card number, account number, account identifier, account indicia, letter, symbol, and biometric.

13. The method of claim 8, wherein said receiving of said account code further comprises receiving a PIN.

14. The method of claim 8, wherein said proxy account code is associated with a transponder.

15. A method for facilitating the re-association of an account code associated with a first transaction account to a second transaction account, comprising: receiving said account code associated with said first transaction account; and associating said account code with said second transaction account, wherein said second transaction account is associated with at least one of a stored value account, charge card account, loyalty account, phone card account, credit card account, and debit card account; wherein said account code comprises a proxy account code within a proxy system, wherein said proxy account code is configured to associate said proxy account code to more than one transaction account, and wherein said proxy account code is authorized to be used for multiple transactions.

Description:

FIELD OF INVENTION

The present invention relates, generally, to a system and method for transferring the association of a transaction card number from a first type of account to a second type of account. In particular, this invention allows a customer to transmit an existing card number, such as that embossed on a stored value card, to a host system, and request that the account number be re-associated and/or redefined from a first transaction account (e.g., stored value account) to a second transaction account (e.g., credit card account).

BACKGROUND OF INVENTION

Stored value cards and credit cards are forms of transaction instruments which provide cash equivalent value that can be used within an existing payment/transaction infrastructure. A difference between the accounts associated with the two types of cards is when the monetary value becomes available for use. Stored value cards are frequently referred to as prepaid or cash cards, in that money is deposited in the account associated with the card before use of the card is allowed. If a customer deposits ten dollars of value into the account associated with the card, the card can be used for payments up to ten dollars. In contrast, credit cards are backed not by cash, but by a line-of-credit that has been issued to the customer by a financial institution. As such, upon use of the credit (or charge) cards, the cash payment from the customer is completed after the purchase from the merchant, namely, when the customer is billed for using the line-of-credit associated with the card.

Another difference between the stored value card and the credit/charge card is the revenue generated from the use of the cards. With stored value cards, the monetary value is prepaid and the customer is assessed a fee whenever funds are loaded onto the card, wherein the fee is usually either a flat fee or a small percentage of the amount loaded. In contrast, credit cards represent a line-of-credit issued to the owner, so a finance charge and/or interest is typically assessed on any charged amount that is not paid off at the end of each month (e.g., unpaid balance). The finance charge assessed is usually anywhere from 10-25% of this balance. Therefore, credit cards are often more profitable than stored value cards. However, stored value cards are more easily acquired, so there are more stored value cards issued, funded, and used each day. Moreover, fewer distribution restrictions are placed upon stored value cards. For example, a stored value card with a five dollar monetary value may be distributed to customers by a number of different methods (e.g., shipping with product, promotional distribution, etc). In contrast, credit or charge cards generally may only be shipped to the customer at the customer's request. Thus, one of the problems faced within the transaction card industry is how to most effectively distribute credit or charge cards to potential customers while still abiding by the distribution restrictions.

Another problem with credit or charge cards is that it can take several days or even weeks between the time a credit card application is completed and approved to when the customer receives the transaction card. In contrast, customers can purchase stored value cards at many outlets without waiting. Thus, a system or method is needed that enables a credit card applicant to more expeditiously obtain a transaction instrument corresponding to the customer's credit card account.

SUMMARY OF INVENTION

The present invention generally relates to a system and method for converting a first transaction account device (e.g., a card associated with a stored value account) to a second transaction account device (e.g., a card associated with a credit card account) by either re-associating or re-defining a card number from a first transaction account (e.g., stored value account) to a second transaction account (e.g., credit account).

An exemplary method of this invention comprises the steps of: establishing a second transaction account, receiving a card number associated with a first transaction account, and then, re-associating said card number to said second transaction account. Another exemplary method of this invention comprises the steps of: establishing a second transaction account, receiving a card number corresponding to a first transaction account, and redefining the first transaction account as said second transaction account, wherein said first transaction account is then closed.

BRIEF DESCRIPTION OF DRAWINGS

The above and other features and advantages of the present invention are hereinafter described in the following detailed description of illustrative embodiments to be read in conjunction with the accompanying drawings and figures, wherein like reference numerals are used to identify the same or similar system parts and/or method steps in the similar views, and:

FIG. 1 illustrates an overview of system components comprising an exemplary embodiment of the present invention;

FIG. 2 is a schematic illustrating the process of using a stored value account via a proxy account;

FIG. 3 is a schematic illustrating the processes involved in converting the stored value card to a credit card; and

FIG. 4 is a schematic illustrating the process of using a card number as a credit card device after conversion.

Other aspects and features of the present invention will be more fully apparent from the detailed description that follows.

DETAILED DESCRIPTION

The following descriptions are of exemplary embodiments of the invention, and are not intended to limit the scope, applicability or configuration of the invention in any way.

Rather, the following descriptions are intended to provide convenient illustrations for implementing various embodiments of the invention. As will become apparent, various changes may be made in the function and arrangement of the elements described in these embodiments without departing from the spirit and scope of the invention.

The present invention overcomes the problems of the prior art by allowing a single card number originally used as a first transaction account device (e.g., stored value card) to be changed to a second transaction account device (e.g., credit card). In an exemplary embodiment, the number on the card (“card number”), which is associated with a first transaction account in a host system, is re-associated to a second transaction account in a host system. In another embodiment, the card number, originally corresponding to, or defined as, a first transaction account is redefined within a host database system as a second transaction account. The card number may be, for example, the same as a stored value account or a credit card account. Or, the card number may be the same as a proxy account number, wherein the proxy account is used as a proxy for one or more accounts. Co-pending U.S. patent application Ser. No. 09/800,461, “System For Facilitating a Transaction”, by Breck, et al., and filed on Mar. 7, 2001, describes various transaction processing systems, including the use of secondary transaction numbers (i.e., proxy accounts), the entire contents of which is hereby incorporated by reference.

In an exemplary embodiment, the system of the present invention allows customers to obtain a credit card device in a substantially real time environment by associating an existing card number to a new or existing credit card account. In particular, the card number embossed on the customer's first transaction account device (e.g., stored value card), may be re-associated within the host system from a first transaction account (e.g., stored value account) to a second transaction account (e.g., a credit or charge card account), wherein the second transaction account is associated with a line of credit established by the customer.

As used herein, a “transaction” includes any exchange or delivery of value, exchange or delivery of data, gifting of value or data, etc. The term “transaction” not only contemplates an exchange of goods or services for value from one party to another, but also the gifting of anything from one party to another. Additionally, transaction account numbers include account numbers that are used to facilitate any type of transaction. As used herein, “card number” includes any device, code, number, letter, symbol, biometric or other identifier/indicia suitably configured to allow the customer to interact or communicate with the system, such as, for example, authorization/access code, personal identification number (PIN), Internet code, other identification code, and/or the like which is optionally located on a rewards card, charge card, credit card, debit card, prepaid card, telephone card, smart card, magnetic stripe card, bar code card, transponder, radio frequency card and/or the like. Although the term “card number” is used throughout, the number need not physically exist on a “card” per se. In other words the card number may be a number communicated to the customer, merchant or host by any means. The card number may be distributed and stored in any form of plastic, electronic, magnetic, radio frequency, wireless, audio and/or optical device capable of transmitting or downloading data from itself to a second device.

As shown in FIG. 1, an exemplary embodiment of the present invention includes a host system 10 comprising various systems or sub-systems for processing financial account data. These systems are generally known in the art as systems for processing merchant 50 authorization requests and for facilitating transaction settlements.

The host system 10 includes any hardware and/or software suitably configured for processing merchant authorization requests and for facilitating transaction settlements. In an exemplary embodiment of this invention shown in FIG. 1, host system 10 comprises one or more interface systems 12 configured to facilitate communication with one or more customers 1 and/or one or more merchants 50. The interface system 12 is generally configured to route and communicate customer 1 and/or merchant 50 data to a card authorization system (CAS) 20 and/or a new accounts system (NAS) 13. The host system 10 also comprises server systems and databases for transaction accounts. These server systems may include: a first transaction account system, e.g., stored value account server 14 and database 15; a second transaction account system, e.g., credit card account server 18 and database 19; and, if desired, a proxy account system, including, e.g., STN server 16 and database 17. The previously mentioned components may be referred to as “front end processing components” which facilitate transaction authorizations to complete transactions. As those skilled in the art will appreciate, any hardware, software and/or systems discussed herein may be included within one host or distributed among many locations or entities.

Backend components of the host system 10 include any hardware and/or software generally configured to facilitate transaction settlement, i.e., payment of merchant 50 and invoicing of customer 1. These components generally include, for example, a financial capture system (FINCAP) 22 for capturing the merchant's 50 receipt and summary of charges, an accounts receivable system 24 for adjusting the account and billing customer, and an accounts payable system 26 for paying the merchant 50. These backend components may be configured to communicate with one or more front end components, e.g. NAS 13, CAS 20, etc. In an exemplary financial infrastructure, the accounts receivable system 24 may replace or perform the same function as the credit card system 18.

As shown in FIG. 1, in an exemplary stored value card system employing a proxy account number, a card number 6 (1234567891234567) embossed on a stored value card 5 is associated with a stored value account (0000000000000000) in a proxy system comprising a STN server 16 and database 17. When the customer's card 5 is used for a purchase, the stored value account is accessed and debited. After conversion, the card number 6 (1234567891234567) is then associated within the proxy system with the credit account (9999999999999999), such that when the customer's card 5 is used, the credit account is charged and the customer is later invoiced for the charges.

It should be appreciated that the particular implementations shown and described herein are illustrative of the invention and its best mode and are not intended to otherwise limit the scope of the present invention in any way. Indeed, for the sake of brevity, conventional data net-working, application development and other functional aspects of the systems (and components of the individual operating components of the systems) may not be described in detail herein. Furthermore, the connecting lines shown in the various figures contained herein are intended to represent exemplary functional relationships and/or physical couplings between the various elements. It should be noted that many alternative or additional functional relationships or physical connections may be present in a practical electronic transaction system.

The components of the present invention are described herein in terms of functional block components, flow charts and various processing steps. As such, it should be appreciated that such functional blocks may be realized by any number of hardware and/or software components configured to perform the specified functions. For example, the present invention may employ various integrated circuit components, e.g., memory elements, processing elements, logic elements, look-up tables, and the like, which may carry out a variety of functions under the control of one or more microprocessors or other control devices. Similarly, the software elements of the present invention may be implemented with any programming or scripting language such as C, C++, Java, COBOL, assembler, PERL, or the like, with the various algorithms being implemented with any combination of data structures, objects, processes, routines or other programming elements. Further, it should be noted that the present invention may employ any number of conventional techniques for data transmission, signaling, data processing, network control, and the like. For a basic introduction of cryptography, please review a text written by Bruce Schneirer which is entitled “Applied Cryptography: Protocols, Algorithms, and Source Code In C”, published by John Wiley & Sons (second edition, 1996), which is hereby incorporated by reference.

One skilled in the art will appreciate that a network 8 in FIG. 1, for example, may include any system for exchanging data or transacting business, such as the Internet, an intranet, an extranet, WAN, LAN, satellite or wireless communications, and/or the like.

Customer 1 may interact with the host system 10 or a merchant 50 via any input device such as a telephone, keyboard, mouse, kiosk, personal digital assistant, touch screen, voice recognition device, transponder, biometrics device, handheld computer (e.g., Palm Pilot®), cellular phone, web TV, web phone, blue tooth/beaming device and/or the like. Similarly, the invention could be used in conjunction with any type of personal computer, network computer, workstation, minicomputer, mainframe, or the like running any operating system. Moreover, although the invention uses protocols such as TCP/IP to facilitate network communications, it will be readily understood that the invention could also be implemented using IPX, Appletalk, IP-6, NetBIOS, OSI or any number of existing or future protocols. Moreover, the system contemplates the use, sale, exchange, transfer, or any other distribution of any goods, services or information over any network having similar functionality described herein. Communication between the parties (e.g., customer 1, host 10 and/or merchant 50) to the transaction and the system of the present invention may be accomplished through any suitable communication means, such as, for example, a telephone network, Intranet, Internet, point of interaction device (point of sale device, personal digital assistant, cellular phone, kiosk, etc.), online communications, off-line communications, wireless communications, and/or the like. One skilled in the art will also appreciate that, for security reasons, any databases, systems, or components of the present invention may consist of any combination of databases or components at a single location or at multiple locations, wherein each database or system includes any of various suitable security features, such as firewalls, access codes, encryption, de-encryption, compression, decompression, and/or the like.

The merchant 50 computer and the host 10 computer may be interconnected via a second network, referred to as a payment network. The payment network represents existing proprietary networks that presently accommodate transactions for credit cards, debit cards, and other types of financial/banking cards. The payment network is a closed network that is assumed to be secure from eaves-droppers. Examples of the payment network include the American Express®, VisaNet® and the Veriphone® net-work.

As will be appreciated by one of ordinary skill in the art, the present invention may be embodied as a method, a data processing system, a device for data processing, and/or a computer program product. Accordingly, the present invention may take the form of an entirely software embodiment, an entirely hardware embodiment, or an embodiment combining aspects of both software and hardware. Furthermore, the present invention may take the form of a computer program product on a computer-readable storage medium having computer-readable program code means embodied in the storage medium. Any suitable computer-readable storage medium may be utilized, including hard disks, CD-ROM, optical storage devices, magnetic storage devices, flash card memory and/or the like.

While an exemplary embodiment of this invention is described in association with a financial transaction system, the invention contemplates any type of networks or transaction systems, including, for example, unsecured networks, public networks, wireless networks, closed networks, open networks, intranets, extranets, and/or the like.

As used in the present invention, the term “customer” includes any individual, business, entity, merchant, hardware and/or software who possesses a card number 6 associated with a first transaction account, and desiring to use that card number 6 in association with a second transaction account. In an exemplary embodiment, the customer 1 establishes a new or has an existing relationship or association with a host 10. For example, in one embodiment, a customer 1 may be an American Express® card member. In another embodiment, a customer may be a participant in a frequent flyer rewards program. In a further embodiment, the customer 1 is a member of any suitable organization that provides transaction products or services. Another embodiment contemplates the customer 1 providing the card number 6 to a second party, such that the card number is utilized as a limited use account number.

“Merchant” includes any individual, business, entity, customer, hardware and/or software that receives a card number 6 to facilitate a transaction, whether or not in exchange for goods or services. For example, in one embodiment, a merchant 50 may be an online bookstore such as Amazon.com®. In another embodiment, a merchant 50 may be a local hardware store. Although referred to herein as a “merchant 50,” this term contemplates situations where any second party receives a card number 6 and is suitably configured to communicate with the host 10 to process the customer 1 transaction request.

Host 10 includes any person, entity, hardware and/or software that facilitates any type of transaction. As contemplated by an exemplary embodiment of the present invention, the host 10 establishes and maintains account and/or transaction information for the customer 1. The host 10 may issue products to the customer 1 and may also provide both the customer 1 and the merchant 50 with the processes to facilitate the transaction system of the present invention. The host 10 includes, for example, banks, credit unions, credit, debit or other transaction-related companies, telephone companies, or any other type of card or account issuing institutions, such as card-sponsoring companies, incentive rewards companies, or third-party providers under contract with financial institutions. Unless otherwise specifically set forth herein, although referred to as “host,” this term should be understood to mean any entity issuing any type of account to facilitate any transaction, exchange or service, and should not be limited to companies possessing or issuing physical cards. In an exemplary system, the host 10 may be any transaction facilitating company such as a charge/credit card provider like American Express®, VISA®, Mastercard®, Discover®, etc.

In an exemplary embodiment, a proxy account number 4 may be used to facilitate the conversion. Proxy number 4 is any number, code, symbol, indicia, etc., that is associated with, or a proxy for, another number or account that has been designated by the customer 1 or the host 10 as a primary account number. As shown in FIG. 1, the proxy number 4 may be the same as the card number 6. In an exemplary embodiment, shown in FIG. 1, the proxy number 4 (1234567891234567) is associated with a stored value account number 2 (0000000000000000) maintained in a stored value account database 15. When the card number 6 (which corresponds to the proxy number 4) is used for a purchase, the associated stored value account number 2 is recognized and the amount of purchase is subtracted from the stored value account balance.

After conversion of the stored value card to a credit card, the proxy number 4 (1234567891234567) is thereafter associated with the designated credit card account number 3 (9999999999999999). Thus, when a purchase is made with the card number 6/proxy number after conversion, the customer's 1 credit account is accessed and the credit account is adjusted accordingly. In another exemplary embodiment, the proxy account system is not utilized. Rather, the card number 6 corresponds directly with the stored value account number instead of the proxy number 4.

In an exemplary embodiment involving credit, debit or other banking cards, the card number 6 has the same industry standard format that is used for the regular banking cards (e.g., 15 or 16 digit numbers). In one embodiment, the numbers are formatted such that one is unable to differentiate between a card number 6 and a regular physical charge card number. Alternatively, however, the host 10 card provider/product identifier (e.g., BIN range, first 6 digits, etc.) numbers may be different so as to differentiate the card numbers used as proxies from regular charge card numbers. In referencing the card number 6 and other transaction account numbers, it should be appreciated that the number may be, for example, a six-teen-digit credit card account number, although each card provider has its own numbering system, such as the fifteen-digit numbering system used by American Express®. Each company's card numbers comply with that company's standardized format such that a company using a sixteen-digit format will generally use four spaced sets of numbers, as represented by the number “0000 0000 0000 0000.” The first five to seven digits are reserved for processing purposes and identify the issuing bank, card type, etc. In this example, the last sixteenth digit is used as a sum check for the sixteen-digit number. The intermediary eight-to-ten digits are used to uniquely identify the customer 1. The invention contemplates the use of other numbers, indicia, codes or other security steps in addition to the use of the card number 6.

Before discussing the conversion process of the present invention, an understanding of the system and operation of an exemplary stored value account is discussed. The card number 6 on the stored value card may be associated with a stored value account via a proxy system using a proxy server (STN 16) and database 17 shown in FIG. 1. Alternatively, the card number 6 corresponds directly to the stored value account without using a proxy system. Regardless of the system configuration, whenever card number 6 is used, the stored value account is debited for the amount of the transaction.

Referencing both FIGS. 1 and 2, to facilitate use of a stored value card via a proxy number 4 using STN 16, a customer 1 acquires a pre-funded stored value card 5 (STEP 100), from, e.g., a retail store. The customer 1 selects merchandise for purchase (STEP 102) from a merchant 50 and presents the card 5 to pay for the purchase (STEP 104). This shopping and purchase may occur online over the internet, in-person at a point of sale terminal (POS) and/or via any other transaction interface. The merchant 50 recognizes the card 5 as being issued by particular host 10 and requests the payment be authorized by the host 10 (STEP 106). The authorization system CAS 20 accepts the request, recognizes that the card number 6 on card 5 corresponds to a proxy number 4 in the STN 16 system and requests the primary account associated with the proxy number 4 (STEP 108). Within STN 16 (and database 17), for example, the proxy number 4 is associated with a corresponding stored value account number 2. STN 16 accesses its profile for the proxy account number 4, identifies the actual stored value account number and returns the actual account number to CAS 20 (STEP 110) for authorization. CAS 20 then recognizes the stored value account and forwards the request to the stored value account system 14 for authorization (STEP 112). The stored value system 14 applies its standard rules and conditions and returns an authorization response to CAS 20 for return to the requesting merchant 50 (STEP 114). The merchant 50 then completes the transaction with the customer 1.

If the payment was authorized, the merchant 50 will use its existing infrastructure (e.g., settlement system 36) to submit the transaction to FINCAP 24 at host 10 for settlement (STEP 116), where FINCAP 24 communicates with the stored value system 14 to reduce the balance of the stored value account associated with the proxy account number 4 (corresponding to card number 6) (STEP 118). Similarly, FINCAP 24 communicates with the accounts payable system 26 (STEP 120) to ensure that the merchant 50 is paid for the transaction (STEP 122).

It should be appreciated that the card number 6 may be the same as the proxy number 4, which is then associated with other accounts, e.g., stored value account 2 or credit card account 3. Alternatively, card number 6 may directly correspond to the stored value account 2 or credit card account 3, in which case the proxy account, e.g., STN 16 system, may not be needed.

An exemplary online system and method for establishing a credit card account and converting a stored value card to a credit card is now described. In an exemplary embodiment of the present invention, as illustrated in FIG. 3, a customer 1 desiring to convert an existing stored value card to a credit card communicates with host 10 (e.g., host web server 12) via any communication means discussed herein and enters a “convert card registration page,” wherein the customer 1 provides the stored value account number to be converted by the system (STEP 200). In the embodiment depicted in FIG. 3, card number 6 corresponds to a proxy account 4 associated with the stored value account 2 maintained in the stored value account database 15. The customer 1 is then directed to an online application page within the host web server where the customer 1 is requested to complete an application form comprising various fields, e.g., name, address, income, etc. After the customer 1 completes the application page, the application information is forwarded to the host 10 new accounts system 13 (STEP 202), wherein the application information is evaluated according to host system 10 rules and processes. Criteria for credit approval may include, inter alia credit rating, debt/income ratio, etc. If the application is approved, a new account is created and assigned to customer 1 (STEP 204). A database entry and account is created within the credit card database 19 (STEP 206). Although a credit card database 19 and server 18 are shown in FIG. 3, it should be appreciated that an accounts receivable system (see FIG. m 1) ay be similarly configured. Other host system components (e.g., CAS 20, A/R 24) are updated accordingly. An account conversion instruction set is then sent to the proxy account system, e.g., STN 16, instructing the proxy account 4 to be reassociated from the stored value account 2 to the newly created credit card account 3 (STEP 208). As such, the customer's card number 6 (corresponding to proxy account 4) is thereafter associated with the newly created credit card account 3. After the conversion, the customer is notified that the card 5 may now be used as a credit card for the newly created credit card account (STEP 210). In an exemplary embodiment, the approval and notification process is a substantially real time process occurring over a distributed network, e.g., internet, electronic kiosk, ATM, etc. In other words, the customer 1 may apply for a credit card and convert the stored value card to a credit card in the same online session. For additional information relating to the online or real time acquisition process, please refer to currently pending patent application Ser. No. 10/071,615, entitled “Electronic Acquisition System and Method,” by Stoxen , et al., filed on Feb. 5, 2002, the entire contents of which are incorporated herein by reference. F

FIG. 4 illustrates use of the card number 6 as a second transaction account device (e.g., credit card) that is, after the first transaction account (e.g., stored value account) has been converted to a second transaction account (credit card account). In an exemplary embodiment it should be noted that, except for authorizing the card differently, the flow is similar to that of the stored value card before conversion. Accordingly, as shown in FIG. 4, a customer 1 goes online to an online shopping site 32 at a merchant 50 and selects merchandise for purchase (STEP 300). During checkout 34, the customer 1 indicates that the card number(now associated with credit card account will be used to pay for the purchase (STEP 302). The merchant 50 requests a standard authorization for the account from the host 10 (STEP 304). CAS 20 recognizes the card number 6 as corresponding to a proxy account and forwards the request to the proxy account system, e.g., STN 16 (STEP 306). STN 16 identifies the credit card account corresponding to card number 6, and returns the credit account number 2 (see FIG. 1) to CAS 20 for authorization (STEP 308). CAS 20 communicates with the credit card account system, e.g., accounts receivable 24, to apply authorization rules and conditions (STEP 310). An authorization response is then provided to the merchant 50 (STEP 312). When approved, the merchant 50 submits the transaction receipt and/or summary of charges using its standard submission method to the FINCAP 24 (STEP 314). FINCAP 24 recognizes the card number 6 as corresponding to a proxy number 4 and forwards the transaction to the proxy account system, e.g., STN 16 (STEP 316). STN 16 translates the card number 6 into the associated credit account number 2 and returns this credit account number 2 to FINCAP 24 (STEP 318). FINCAP 24 forwards the transaction to the appropriate credit card system, e.g., accounts receivable 24, for customer statementing and billing (STEP 320). FINCAP 24 then forwards the transaction to the accounts payable system 26 (STEP 322) for merchant 50 payment (STEP 324), thus completing a transaction with a card 5 after it has been converted to a credit card.

Benefits, other advantages, and solutions to problems have been described above with regard to specific embodiments. However, the benefits, advantages, solutions to problems, and any element(s) that may cause any benefit, advantage, or solution to occur or become more pronounced are not to be construed as critical, required, or essential features or elements of any or all the claims. As used herein, the terms “comprises,” comprising,” or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Further, no element described herein is required for the practice of the invention unless expressly described as “essential” or “critical.”

It should be appreciated that the particular implementations shown and described herein are illustrative of the invention and its best mode and are not intended to otherwise limit the scope of the present invention in any way. Indeed, for the sake of brevity, conventional data net-working, application development and other functional aspects of the systems (and components of the individual operating components of the systems) may not be described in detail herein. Furthermore, the connecting lines shown in the various figures contained herein are intended to represent exemplary functional relationships and/or physical couplings between the various elements. It should be noted that many alternative or additional functional relationships or physical connections may be present in a practical contract optimization or contract compliance system.