Method and apparatus for providing pre-existing customers...

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance

Reexamination Certificate

Rate now

  [ 0.00 ] – not rated yet Voters 0   Comments 0

Details

C705S039000

Reexamination Certificate

active

07930244

ABSTRACT:
A system and method for providing in real-time an immediately accessible customized transaction account via the internet is disclosed. In particular, the system and method recognizes distinct access codes which are correlated to the credit profile of a person accessing an on-line application system via a computer network. During operation of the invention, a party may be driven to the on-line application system via the internet to conduct a transaction in response to an invitation to enroll in a special program. Upon entering the on-line application system, the accessing party may be unilaterally given the opportunity to apply for a special offer, which has been tailored to the accessing party's credit profile.

REFERENCES:
patent: 2616612 (1952-11-01), Guttman
patent: 5459306 (1995-10-01), Stein et al.
patent: 5489123 (1996-02-01), Roshkoff
patent: 5640577 (1997-06-01), Scharmer
patent: 5644723 (1997-07-01), Deaton et al.
patent: 5745681 (1998-04-01), Levine et al.
patent: 5794259 (1998-08-01), Kikinis
patent: 5805158 (1998-09-01), Bertram et al.
patent: 5870721 (1999-02-01), Norris
patent: 5878403 (1999-03-01), DeFrancesco et al.
patent: 5883810 (1999-03-01), Franklin et al.
patent: 5897622 (1999-04-01), Blinn et al.
patent: 5950179 (1999-09-01), Buchanan et al.
patent: 5970478 (1999-10-01), Walker et al.
patent: 5991381 (1999-11-01), Bouanaka et al.
patent: 5999914 (1999-12-01), Blinn et al.
patent: 6000832 (1999-12-01), Franklin et al.
patent: 6014645 (2000-01-01), Cunningham
patent: 6018718 (2000-01-01), Walker et al.
patent: 6029149 (2000-02-01), Dykstra et al.
patent: 6032136 (2000-02-01), Brake, Jr. et al.
patent: 6047268 (2000-04-01), Bartoli et al.
patent: 6088686 (2000-07-01), Walker et al.
patent: 6088700 (2000-07-01), Larsen et al.
patent: 6105007 (2000-08-01), Norris
patent: 6105009 (2000-08-01), Cuervo
patent: 6144948 (2000-11-01), Walker et al.
patent: 6161870 (2000-12-01), Blank
patent: 6175823 (2001-01-01), Van Dusen
patent: 6199079 (2001-03-01), Gupta et al.
patent: 6227447 (2001-05-01), Campisano
patent: 6251017 (2001-06-01), Leason et al.
patent: 6324524 (2001-11-01), Lent et al.
patent: 6330543 (2001-12-01), Kepecs
patent: 6405181 (2002-06-01), Lent et al.
patent: 6422462 (2002-07-01), Cohen
patent: 6434534 (2002-08-01), Walker et al.
patent: 6694300 (2004-02-01), Walker et al.
patent: 6795812 (2004-09-01), Lent et al.
patent: 6898570 (2005-05-01), Tedesco et al.
patent: 6907315 (2005-06-01), Hartman et al.
patent: 6928413 (2005-08-01), Pulitzer
patent: 6970853 (2005-11-01), Schutzer
patent: 6978369 (2005-12-01), Wheeler et al.
patent: 7054830 (2006-05-01), Eggleston et al.
patent: 7076442 (2006-07-01), Lin et al.
patent: 7310617 (2007-12-01), Cunningham
patent: 7343310 (2008-03-01), Stender
patent: 7401731 (2008-07-01), Pletz et al.
patent: 7472090 (2008-12-01), White
patent: 2001/0014868 (2001-08-01), Herz et al.
patent: 2002/0046089 (2002-04-01), Zorn
patent: 2002/0052776 (2002-05-01), Rothman et al.
patent: 2002/0062249 (2002-05-01), Iannacci
patent: 2002/0077964 (2002-06-01), Brody et al.
patent: 2002/0156723 (2002-10-01), Lilly et al.
patent: 2002/0188533 (2002-12-01), Sanchez et al.
patent: 2003/0097270 (2003-05-01), Musselwhite et al.
patent: 2003/0101115 (2003-05-01), Reddy
patent: 2004/0039679 (2004-02-01), Norton et al.
patent: 2004/0078328 (2004-04-01), Talbert et al.
patent: 2004/0117300 (2004-06-01), Jones et al.
patent: 2006/0136306 (2006-06-01), Rothman et al.
patent: 2008/0228611 (2008-09-01), Lilly et al.
USPTO; Office Action dated Oct. 27, 2006 in U.S. Appl. No. 10/082,171.
USPTO; Final Office Action dated Jun. 14, 2007 in U.S. Appl. No. 10/082,171.
USPTO; Advisory Action dated Oct. 30, 2007 in Appl. No. 10/082,171.
USPTO; Office Action dated Jan. 25, 2008 in Appl. No. 10/082,171.
USPTO; Final Office Action dated Aug. 15, 2008 in U.S. Appl. No. 10/082,171.
USPTO; Advisory Action dated Nov. 25, 2008 in U.S. Appl. No. 10/082,171.
USPTO; Office Action dated Mar. 23, 2009 in U.S. Appl. No. 10/082,171.
USPTO; Office Action dated Oct. 27, 2009 in U.S. Appl. No. 10/082,171.
USPTO; Notice of Allowance dated Apr. 5, 2010 in U.S. Appl. No. 10/082,171.
Juliana Ratner, Capital One Consumer-Tailored Products, Bloomberg News, Jul. 14, 1998.
Bloom, “Sears Plans New Flavors,” American Banker. New York: Sep. 25, 1998. vol. 163, Iss. 184; p. 8.
“e-Rewards™ Launches ‘By Invitation Only’ E-mail Rewards Program,” PR Newswire. New York: Mar. 8, 2000. p. 1.
Harris, “Fight the cost of acquiring customers by making the most of older accounts,” Card Marketing. New York: Jan./Feb. 2001. vol. 5, Iss. 1; p. 30.
Fickenscher, “Card Issuers Try Old Trick to Get New Business,” American Banker. New York: Feb. 29, 2000. vol. 165, Iss. 40; p. 1.
Valentine, The secret world of selling cards on the web, ABA Banking Journal, Sep. 1999.
Fitzgerald, Getting more out of direct mail, Credit Card Management, Mar. 2000.

LandOfFree

Say what you really think

Search LandOfFree.com for the USA inventors and patents. Rate them and share your experience with other people.

Rating

Method and apparatus for providing pre-existing customers... does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Method and apparatus for providing pre-existing customers..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and apparatus for providing pre-existing customers... will most certainly appreciate the feedback.

Rate now

     

Profile ID: LFUS-PAI-O-2648198

  Search
All data on this website is collected from public sources. Our data reflects the most accurate information available at the time of publication.