Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2007-08-07
2007-08-07
Millin, Vincent (Department: 3691)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S035000
Reexamination Certificate
active
09302218
ABSTRACT:
A financial services payment vehicle is disclosed having a database stored on a computer readable media, the database including records associated with a plurality of active financial services card accounts, one of the financial services card account records having a name representing a cardholder for purposes of using the account, the name having a first part selected by the cardholder and a second part selected by a second party unrelated to the cardholder.A financial services method is also disclosed involving selecting a first part of a cardholder name for an account which would appear on a financial services card if a physical card is issued, accepting an unrelated entity's selection of a second part of the cardholder name for the account such that a use of the account will result in a provision of the first part in place of a first name and the second part in place of a surname.An additional financial services method is disclosed involving a using step for making a purchase with a financial services card, the financial services card including a cardholder name having a first part selected in a first selecting step by an individual in whose name the financial services card is registered, and a second part selected in a second selecting step, the second part identifying an entity other than the individual.
REFERENCES:
patent: 4305059 (1981-12-01), Benton
patent: 4960981 (1990-10-01), Benton et al.
patent: 4977595 (1990-12-01), Ohta et al.
patent: 5276736 (1994-01-01), Chaum
patent: 5373558 (1994-12-01), Chaum
patent: 5420926 (1995-05-01), Low et al.
patent: 5426594 (1995-06-01), Wright et al.
patent: 5434919 (1995-07-01), Chaum
patent: 5442567 (1995-08-01), Small
patent: 5453601 (1995-09-01), Rosen
patent: 5493614 (1996-02-01), Chaum
patent: 5513117 (1996-04-01), Small
patent: 5557518 (1996-09-01), Rosen
patent: 5642419 (1997-06-01), Rosen
patent: 5663547 (1997-09-01), Ziarno
patent: 5671279 (1997-09-01), Elgamal
patent: 5699528 (1997-12-01), Hogan
patent: 5712913 (1998-01-01), Chaum
patent: 5715298 (1998-02-01), Rogers
patent: 5729594 (1998-03-01), Klingman
patent: 5750972 (1998-05-01), Botvin
patent: 5757917 (1998-05-01), Rose et al.
patent: 5768385 (1998-06-01), Simon
patent: 5781631 (1998-07-01), Chaum
patent: 5796841 (1998-08-01), Cordery et al.
patent: 5815577 (1998-09-01), Clark
patent: 5815657 (1998-09-01), Williams et al.
patent: 5842185 (1998-11-01), Chancey et al.
patent: 5864830 (1999-01-01), Armetta et al.
patent: 5875437 (1999-02-01), Atkins
patent: 5884288 (1999-03-01), Chang et al.
patent: 5893080 (1999-04-01), McGurl et al.
patent: 5956391 (1999-09-01), Melen et al.
patent: 5956700 (1999-09-01), Landry
patent: 6032133 (2000-02-01), Hilt et al.
patent: 6044360 (2000-03-01), Picciallo
patent: 6078907 (2000-06-01), Lamm
patent: 6081790 (2000-06-01), Rosen
International Search Report corresponding to PCT/US99/30830, dated May 16, 2000.
Brands, S., “Electronic Cash on the Internet”, Proceedings of the Internet Society 1995 Symposium on Network and Distributed System Security, Oct. 16, 1994, 21 pages.
Chaum, D., “Online Cash Checks”, Centre for Mathematics and Computer Science http://ganges.cs.tcd.ie, 1993, 5 pages.
Chaum, D., “Prepaid Smart Card Techniques: A Brief Introduction and Comparison”, http://ganges.cs.tcd.ie, 1994, 4 pages.
Crede, A., “Electronic Commerce and the Banking Industry: The Requirement and Opportunities for New Payment Systems Using the Internet”, Science Policy Research Unit University of Sussex, www.ascusc.org, date unknown, 19 pages.
Crocker, S. et al., “Cybercash: Payments Systems for the Internet”, www.isoc.org, 1995, 3 pages.
Furche, A., and Wrightson, G., “Computer Money: A Systematic Overview of Electronic Payment Systems”, dpunkt—Verlag für Digitale Technologie, (pp. 25-33, 45-63), 1996.
Hansell S., “Got a Dime? Citibank and Chase End Test of Electronic Cash”,The New York Times, Business day—C1, Nov. 4, 1998, 2 pages.
Hallam-Baker, P., “Electronic Payment Schemes”, www.w3.org, 1998, 4 pages.
Holmes, P., “Gift Certificates For Premiums/Incentives #3060”, Sales Marketing Network, www.info-now.com, 1998, 10 pages.
Holmes, P. “Debit Cards #3040 New Form of Incentive Explained”, Sale Marketing Network, www.info-now.com, 1998, 4 pages.
Kalakota et al., “Readings in Electronic Commerce”, http://ei.cs.vt.edu, 1997, 3 pages.
Klur, D., “What an Organization Should Know About Using Electronic Cash”, Information Strategy, 1997, vol. 13, pp. 15-22.
Kristol et al., “Anonymous Internet Mercantile Protocol”, AT&T Bell Laboratories, 1994, 16 pages.
Low, S. and Maxemchuk, N., “Anonymous Credit Cards”, AT&T Bell Laboratories, 1994, 10 pages.
Lynch et al., “Digital Money” Chapter 2: Dramatis Personae, www.oit.iusb.edu, 2 pages, date unknown.
O' Mahony et al., “Electronic Payment Systems” Artech House, Inc., (pp. 65-71, 146-182, 191-238), 1997.
Peirce et al., “Network Payment Mechanisms and Digital Cash: Electronic Payment Systems”, http://ganges.cs.tcd.ie, date unknown, 10 pages.
Peirce et al., “Scalable, Secure Cash payment for WWW Resources with the PayMe Protocol Set”, http://ganges.cs.tcd.ie, 15 pages, date unknown.
Peirce et al., “Begin PGP Signed Message”, http:/
trg.cs.tcd.ie/mepeirce, 4 pages, date unknown.
Van Bakel, R., “The Check is in the E-Mail-Digital Cash is Coming Faster Than You Think”,NetGuide1996, 4 pages.
Verdonk, Otten, Dik & Wiegerinck “Gepubliceerde Artikelen, Internet Payment Systems: An overview”, www.vodw.nl/kennis/artikelen/art47.htm, date unknown, 10 pages.
Wolff, M., “Net Selling”,Forbes ASAP Supplement, Aug. 28, 1995, pp. 30-32.
“A Quick Overview of E-Money, Plus Selected Links”, Abracadabra, www.dabra.demon.co.uk, 10 pages, date unknown.
“ADV:!! Get YOUR anonymous Credit Card Now!!”, from www.vma.bme.hu//lla/1998/Feb/msg00679.html>, 1998, 2 pages.
American Express Incentive Services, www.aeis.com, 1998, 5 pages.
“Anonymous Secured MasterCard Credit Card”, www.offshore-manual.com/cp11.htm.>., date unknown, 4 pages.
BarclayCoin, “Questions and Answers, Wallet”, www.barclaycoin.co.uk, date unknown, 2 pages.
“Cash Poor”, Section: Survey; Electronic Commerce,The Economist, 1997, 3 pages.
“CyberCash and Barclays Bank Announces BarclayCoin Service”, PRNewswire, 1997, 2 pages.
Card Express, Inc “The Future of Gifts and Incentives”, www.cardex.com, 2 pages, 1998.
CardEx GiftCard, www.cardex.com, 3 pages, 1998.
CardTrak Online “Blockbuster Develops Electronic GiftCard For Video, Music Discovery Zone”, www.ramresearch.com, Jan. 15, 1996, 2 pages.
College Enterprises, Inc. “Special Teams”, www.college-enterprises.com, date unknown, 2 pages.
Cybank Funds Transfer, www.cybank.net, date unknown, 2 pages.
“EFT's Final Frontier: Payments Over The Internet”, Bank Network News, 1995, 2 pages.
“Electronic Commerce of Component Information (ECCI) Program, White Paper”, www.sandia.gov, date unknown, 5 pages.
“Electronic Commerce Subject Notes Second Semester, 1997”, Department of Information Systems, The University of Melbourne, www.dis.unimelb.edu, Sep. 2, 1997, 17 pages.
“Electronic Cash”, www.admin@www.cs.sandia.gov, date unknown, 1 page.
e-gold, “Questions and Answers”, www.e-gold.com, date unknown, 11 pages.
“Gift Certificate Express”, www.cardex.com, 1998, 6 pages.
“Gift Certificates”, www.catalogsite.com, 1995/'96/'97, 4 pages.
“1-800-Gift Certificate”; www.800giftcertificate.com, date unknown, 2 pages.
“Groups SET On Securing Internet Sales”,Debit Card News, Feb. 27, 1998, 2 pages.
“Internet Electronic Cash”, www.dialanerd.com
Gillin Matthew J.
Korfmann Roger
Raden Paul L.
Akintola Olabode
C/Base, Inc.
Millin Vincent
Morgan & Finnegan , LLP
LandOfFree
Financial services payment vehicle and method does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Financial services payment vehicle and method, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Financial services payment vehicle and method will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-3831513