Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2007-02-07
2008-10-14
Diaz, Susanna M (Department: 3692)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S041000
Reexamination Certificate
active
07437328
ABSTRACT:
The present invention is directed at systems and methods of inserting value into a customer account with a provider of goods or services. Methods may comprise distributing to a customer a bill pay card wherein the bill pay cards comprise information sufficient to identify the provider of goods or services, the customer, and the customer's account with the provider of goods or services; presenting the bill pay card at a point of sale (POS) location; reading or otherwise obtaining from the bill pay card the information thereon; receiving value from the customer; and crediting the value received from the customer to the customer's account with the provider of goods or services. Systems may comprise a bill pay card; a provider of goods or services; and a POS.
REFERENCES:
patent: 5465206 (1995-11-01), Hilt et al.
patent: 5732136 (1998-03-01), Murphree et al.
patent: 6000608 (1999-12-01), Dorf
patent: 6012049 (2000-01-01), Kawan
patent: 6032133 (2000-02-01), Hilt et al.
patent: 6058382 (2000-05-01), Kasai et al.
patent: 6173272 (2001-01-01), Thomas et al.
patent: 6182894 (2001-02-01), Hackett et al.
patent: 6226364 (2001-05-01), O'Neil
patent: 6295522 (2001-09-01), Boesch
patent: 6473500 (2002-10-01), Risafi et al.
patent: 6575361 (2003-06-01), Graves et al.
patent: 6581827 (2003-06-01), Welton
patent: 6814282 (2004-11-01), Seifert et al.
patent: 6820802 (2004-11-01), Biggar et al.
patent: 6827260 (2004-12-01), Stoutenburg et al.
patent: 6886742 (2005-05-01), Stoutenburg et al.
patent: 6918537 (2005-07-01), Graves et al.
patent: 6957336 (2005-10-01), Wheeler et al.
patent: 7028891 (2006-04-01), O'Neal
patent: 7043451 (2006-05-01), Strayer et al.
patent: 7054842 (2006-05-01), James et al.
patent: 7072864 (2006-07-01), Brake, Jr. et al.
patent: 7083084 (2006-08-01), Graves et al.
patent: 7086584 (2006-08-01), Stoutenburg et al.
patent: 7092916 (2006-08-01), Dively et al.
patent: 7093761 (2006-08-01), Smith et al.
patent: 7107249 (2006-09-01), Dively et al.
patent: 7131578 (2006-11-01), Paschini et al.
patent: 7131582 (2006-11-01), Welton
patent: 2002/0022966 (2002-02-01), Horgan
patent: 2002/0023217 (2002-02-01), Wheeler et al.
patent: 2002/0035539 (2002-03-01), O'Connell
patent: 2002/0069139 (2002-06-01), Bernstein et al.
patent: 2003/0001005 (2003-01-01), Risafi et al.
patent: 2003/0061162 (2003-03-01), Matthews
patent: 2003/0126079 (2003-07-01), Roberson et al.
patent: 2003/0154163 (2003-08-01), Phillips et al.
patent: 2003/0172031 (2003-09-01), Graves et al.
patent: 2003/0200179 (2003-10-01), Kwan
patent: 2003/0212796 (2003-11-01), Willard
patent: 2004/0024697 (2004-02-01), Landa et al.
patent: 2004/0039702 (2004-02-01), Blair et al.
patent: 2004/0133511 (2004-07-01), Smith et al.
patent: 2004/0182922 (2004-09-01), Talarico, Jr.
patent: 2004/0206814 (2004-10-01), Kawai et al.
patent: 2004/0230536 (2004-11-01), Fung et al.
patent: 2005/0001027 (2005-01-01), Bahar
patent: 2005/0051619 (2005-03-01), Graves et al.
patent: 2005/0060248 (2005-03-01), O'Neal
patent: 2005/0092828 (2005-05-01), Phillips et al.
patent: 2005/0092829 (2005-05-01), Phillips et al.
patent: 2005/0125300 (2005-06-01), McGill et al.
patent: 2005/0127169 (2005-06-01), Foss, Jr.
patent: 2005/0182720 (2005-08-01), Willard et al.
patent: 2005/0199705 (2005-09-01), Beck et al.
patent: 2005/0240526 (2005-10-01), Hill
patent: 2005/0242171 (2005-11-01), Smets et al.
patent: 2006/0020543 (2006-01-01), Sheehan et al.
patent: 2006/0023856 (2006-02-01), Welton
patent: 2006/0078100 (2006-04-01), Risafi et al.
patent: 2006/0085335 (2006-04-01), Crawford et al.
patent: 2006/0123243 (2006-06-01), Shimosato et al.
patent: 2006/0144926 (2006-07-01), Jacobs
patent: 2006/0157556 (2006-07-01), Halbur et al.
patent: 2006/0161490 (2006-07-01), Chakiris et al.
patent: 2006/0163347 (2006-07-01), Foss, Jr. et al.
patent: 2006/0167780 (2006-07-01), Friedman
patent: 2006/0169766 (2006-08-01), Hoch
patent: 2006/0186196 (2006-08-01), Schultz et al.
patent: 2006/0213968 (2006-09-01), Guest et al.
patent: 2006/0213980 (2006-09-01), Geller et al.
patent: 2006/0229985 (2006-10-01), Lalwani et al.
patent: 2006/0231609 (2006-10-01), Lazarowicz et al.
patent: 2006/0231611 (2006-10-01), Chakiris et al.
patent: 2006/0249569 (2006-11-01), Jain
patent: 2006/0255135 (2006-11-01), Smith
patent: 2006/0261150 (2006-11-01), Seifert et al.
patent: 2006/0277146 (2006-12-01), Dively et al.
patent: 2008/0010215 (2008-01-01), Rackley, III et al.
D'Zurko, Daphne C. et al. “Pilot Test of Electric Pay-For-Use Meters May Alter U.S. Practices.” Pipe Line & Gas Industry, vol. 83, No. 10, p. 33, Oct. 1, 2000.
Gingrande, Arthur. “Super ATMs to Fuel Smart-Card Revolution.” KMWorld. vol. 10, No. 9, pp. 12-13, Oct. 2001.
Datawave Systems, Inc. SEC Filing date Jun. 28, 2006. Retrieved from the Internet: [URL: http://sec.edgar-online.com/2006/06/28/0001137171-06-001495/Section3.asp].
DM Essays: John Shaw, The European Development Director at Carlson Campaign, p. 7, Apr. 8, 2004.
Borowsky, Mark: A Long and Winding Road, p. 58-63, Jun. 1995,Credit Card Management,vol. 8, n3.
The Gale Group: Online Bill Payment May Exceed $200 Billion in 2003, NACHA Says, Jun. 9, 2003,Electronic Commerce News,vol. 8, n12.
The Gale Group: Outside Help for Online Banking, p. 85, Mar. 16, 1998,Information Week.
Fisher, Betty-Lin: Ohio Study Warns Utility Customers of Potential Payment Troubles, Sep. 8, 2004,Knight-Ridder Tribune Business News,Akron Beacon Journal.
Certegy Awarded Five-Year Agreement with Chartway, Aug. 27, 2003, PR Newswire (US).
Online Bill Payment Comes of Age, According to NACHA, May 27, 2003,PR Newswire.
Maybank ATMs in the Philippines, Brunei, Dec. 19, 2000,Business Times(Malaysia).
Online Bill Payment May Exceed $200 Billion in 2003, Jun. 5, 2003, PhillipsBusiness Information,vol. 14, Issue 12.
Credit Card Issuer Has No Duty to Verify Payment Checks, Dec. 2002,Bankers Letter of the Law,vol. 36, n12.
Lucas, Peter: Retail Cards Get Connected, p. 18-23, Jan. 2002,Credit Card Mgt.,vol. 14, N11.
Barthell, Matt: Consumer Poll—Checks Lead In Covenience, p. 15, Nov. 22, 1994,American Banker,vol. 159, No. 225.
Graves Phillip C.
Smith Merrill Brooks
Diaz Susanna M
e2Interactive, Inc.
Hunton & Williams LLP
LandOfFree
Value insertion using bill pay card preassociated with biller does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Value insertion using bill pay card preassociated with biller, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Value insertion using bill pay card preassociated with biller will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4018318