Patent Id | Score | Title | Patent Type | Publication Date | Priority Date | Family Id | Search Efficiency | Original Assignee | Current Assignee |
|---|---|---|---|---|---|---|---|---|---|
| US8438063B2 | 2.004 | Mobile payment using picture messaging | GRANT | 2013-05-07 | 2010-08-31 | 45698431 | Great | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US20120011007A1 | 1.573 | Mobile Payment Using DTMF Signaling | APPLICATION | 2012-01-12 | 2010-07-07 | 45439263 | Great | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US8955747B2 | 1.444 | Devices systems and methods for wireless point-of-sale | GRANT | 2015-02-17 | 2009-06-23 | 43353421 | Great | AT&T Mobility II LLC | AT&T Mobility II LLC |
| EP2446407A2 | 1.353 | MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEMS | GRANT | 2012-05-02 | 2009-06-02 | 43298439 | Great | Qualcomm Inc | Qualcomm Inc |
| EP2266087A2 | 1.319 | MOBILE TELEPHONE TRANSACTION SYSTEMS AND METHODS | GRANT | 2010-12-29 | 2008-04-02 | 41134122 | Great | Global 1 Enterprises Inc | Global 1 Enterprises Inc |
| EP1530177A1 | 1.306 | Method for supporting cashless payment | GRANT | 2005-05-11 | 2003-11-07 | 34429555 | Great | Alcatel CIT SA, Alcatel SA | Alcatel CIT SA, Alcatel SA, Alcatel Lucent SAS |
| WO2011103661A1 | 1.268 | SECURE BILLING SYSTEM AND METHOD FOR A MOBILE DEVICE | APPLICATION | 2011-09-01 | 2010-02-26 | 43448730 | Great | ||
| EP1277301B1 | 1.242 | METHOD FOR TRANSMITTING PAYMENT INFORMATION BETWEEN A TERMINAL AND A THIRD EQUIPEMENT | GRANT | 2004-07-21 | 2000-04-28 | 8168586 | Great | Swisscom Mobile AG | Swisscom Mobile AG, Swisscom Schweiz AG, Swisscom Fixnet AG, Swisscom AG |
| US8374916B2 | 1.238 | Secure mobile-based financial transactions | GRANT | 2013-02-12 | 2009-10-27 | 43899202 | Great | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US8538819B2 | 1.194 | Method and system for dynamic funding | GRANT | 2013-09-17 | 2007-07-30 | 40304669 | Great | eBay Inc | PayPal Inc |
| EP2526517B1 | 1.187 | TOKEN BASED TRANSACTION AUTHENTICATION | GRANT | 2018-08-08 | 2010-01-19 | 44278246 | Great | Visa International Service Association | Visa International Service Association |
| EP2189932A1 | 1.178 | Electronic payment system using mobile wireless communications device and associated methods | GRANT | 2010-05-26 | 2008-11-24 | 41381956 | Great | Research in Motion Ltd | BlackBerry Ltd |
| EP2425392B1 | 1.174 | PROXIMITY PURCHASE RINGTONES | GRANT | 2018-08-01 | 2009-05-01 | 43031121 | Great | Qualcomm Inc | Qualcomm Inc |
| EP2599038A1 | 1.174 | PROGRAMMABLE CARD | GRANT | 2013-06-05 | 2010-07-26 | 45494376 | Great | Visa International Service Association | Visa International Service Association |
| EP1102465B1 | 1.173 | Charging for telecommunications services | GRANT | 2015-12-30 | 1999-11-22 | 8555622 | Great | Nokia Technologies Oy | Nokia Oyj, Nokia Technologies Oy |
| US10762558B1 | 1.169 | System method and computer program for authorizing a payment using gesture data | GRANT | 2020-09-01 | 2009-01-14 | 72241698 | Great | Amdocs Development Ltd, Amdocs Software Systems Ltd | Amdocs Development Ltd, Amdocs Software Systems Ltd |
| EP1784772A1 | 1.167 | AUTHENTICATION AND PAYMENT SYSTEM AND METHOD USING MOBILE COMMUNICATION TERMINAL | GRANT | 2007-05-16 | 2004-08-25 | 35967687 | Great | SK Telecom Co Ltd | SK Planet Co Ltd |
| EP1947600A2 | 1.167 | Bill payment card method and system | GRANT | 2008-07-23 | 2007-01-16 | 39618511 | Great | E2interactive Inc | E2interactive Inc |
| EP1213690A2 | 1.165 | Efficient and secure bill payment method and system via mobile IP terminals | GRANT | 2002-06-12 | 2000-12-06 | 24939111 | Great | AT&T Corp | AT&T Corp |
| US7512567B2 | 1.159 | Method and system for providing biometric authentication at a point-of-sale via a mobile device | GRANT | 2009-03-31 | 2006-06-29 | 38846770 | Great | YOU Technology Inc | Open Invention Network LLC, Solidus Networks Inc |
| EP0739526B1 | 1.159 | REAL TIME TELE-PAYMENT SYSTEM | GRANT | 2001-12-19 | 1994-10-28 | 8541684 | Great | ||
| EP1938571A2 | 1.159 | METHODS AND SYSTEMS FOR FINANCIAL TRANSACTIONS IN A MOBILE ENVIRONMENT | GRANT | 2008-07-02 | 2006-07-06 | 38895043 | Great | Firethorn Holdings LLC | Qualcomm Inc |
| EP2529344A1 | 1.158 | SYSTEMS AND METHODS TO AUTHENTICATE USERS | GRANT | 2012-12-05 | 2010-01-26 | 44309994 | Great | Boku Inc | Boku Inc |
| EP1415283B1 | 1.157 | METHOD AND SYSTEM FOR FORMAL GUARANTEE OF A PAYMENT USING A PORTABLE TELEPHONE | GRANT | 2006-02-15 | 2001-07-25 | 26213116 | Great | Credit Lyonnais | Credit Lyonnais |
| EP2353129A1 | 1.154 | SYSTEM AND METHOD OF CONDUCTING TRANSACTIONS USING A MOBILE WALLET SYSTEM | GRANT | 2011-08-10 | 2008-11-17 | 41459816 | Great | Outlier Inc | Gimbal Inc |
| EP1280115A2 | 1.154 | Electronic payment method system and devices | GRANT | 2003-01-29 | 2001-07-23 | 26619133 | Great | NTT Docomo Inc | NTT Docomo Inc |
| EP1387329A1 | 1.151 | Telepayment method system and gateway for implementing this method use of the method | GRANT | 2004-02-04 | 2002-07-30 | 30011602 | Great | France Telecom SA | Orange SA |
| EP2080160A1 | 1.146 | PAYMENT METHOD AND SYSTEM BY MEANS OF A MOBILE TELEPHONE | GRANT | 2009-07-22 | 2006-08-18 | 38183498 | Great | Paycool International Ltd | Paycool International Ltd |
| EP1627364A1 | 1.145 | CREDIT CARD SMS PORTAL TRANSMISSION SYSTEM AND PROCESS | GRANT | 2006-02-22 | 2003-05-12 | 33488746 | Great | Briza Technologies Inc | Briza Technologies Inc |
| US9881297B2 | 1.143 | Methods and systems for secure mobile device initiated payments using generated image data | GRANT | 2018-01-30 | 2008-11-14 | 42172733 | Great | Mastercard International Inc | Mastercard International Inc |
| US8355987B2 | 1.142 | Systems and methods to manage information | GRANT | 2013-01-15 | 2010-05-06 | 44902586 | Great | Boku Inc | Boku Inc |
| EP2603891A2 | 1.140 | SYSTEMS AND METHODS TO IDENTIFY CARRIER INFORMATION FOR TRANSMISSION OF PREMIUM MESSAGES | GRANT | 2013-06-19 | 2010-08-11 | 45565499 | Great | Boku Inc | Boku Inc |
| EP2008236A2 | 1.136 | METHOD FOR UNIVERSAL ELECTRONIC PAYMENT PROCESSING | GRANT | 2008-12-31 | 2006-04-03 | 38581772 | Great | Ebizmobility Ltd | EBIZ.MOBILITY LTD |
| EP2156397A1 | 1.131 | SECURE PAYMENT CARD TRANSACTIONS | GRANT | 2010-02-24 | 2007-05-17 | 40122166 | Great | Shift4 Corp | Shift4 Corp |
| EP1810177B1 | 1.131 | ONLINE COMMERCIAL TRANSACTION SYSTEM AND METHOD OF OPERATION THEREOF | GRANT | 2011-09-07 | 2004-09-14 | 33306534 | Great | Waterleaf Ltd | Waterleaf Ltd |
| US9195981B2 | 1.130 | System and method for authorizing transactions via mobile devices | GRANT | 2015-11-24 | 2008-10-23 | 42118454 | Great | IMS Health Inc | Iqvia Inc |
| EP2510490A1 | 1.128 | SYSTEMS AND METHODS TO SECURE TRANSACTIONS VIA MOBILE DEVICES | GRANT | 2012-10-17 | 2009-12-10 | 44143493 | Great | Boku Inc | Boku Inc |
| EP1456822B1 | 1.124 | METHOD AND SYSTEM FOR CARRYING OUT VERIFICATION PROCESSES WITH REGARD TO AUTHORIZATION OF USE AND/OR PAYMENT PROCESSES BY MEANS OF A MOBILE TELEPHONE TERMINAL MOBILE TELEPHONE TERMINAL INTERROGATION STATION CONTROL PROGRAM FOR A MOBILE TELEPHONE TERMINAL AND CONTROL PROGRAM FOR AN INTERROGATION S | GRANT | 2006-08-02 | 2001-12-19 | 7709891 | Great | Siemens AG | Siemens AG |
| EP2389194A2 | 1.123 | SYSTEMS AND METHODS TO FACILITATE ELECTRONIC PAYMENTS | GRANT | 2011-11-30 | 2009-01-23 | 42354935 | Great | VIDICOM Ltd | VIDICOM Ltd |
| WO2009112793A1 | 1.123 | MOBILE PAYMENTS | APPLICATION | 2009-09-17 | 2008-03-14 | 39328165 | Great | ||
| US8548426B2 | 1.122 | Systems and methods to approve electronic payments | GRANT | 2013-10-01 | 2009-02-20 | 42631409 | Great | Boku Inc | Boku Inc |
| US7349884B1 | 1.121 | Method and apparatus for electronic commerce services at a point of sale | GRANT | 2008-03-25 | 2001-03-29 | 39199312 | Great | GSC Enterprises Inc | GSC Enterprises Inc |
| EP1345139A1 | 1.117 | PAYMENT STATEMENT ISSUING SYSTEM AND CHARGE PAYING SYSTEM | GRANT | 2003-09-17 | 2000-12-18 | 27345461 | Great | Great Information Co Ltd | Great Information Co Ltd |
| EP1348185A1 | 1.114 | PAYMENT SYSTEM | GRANT | 2003-10-01 | 2000-09-04 | 9898799 | Great | Sonera Oy | TeliaSonera Finland Oyj, Sonera Oy |
| US9697510B2 | 1.114 | Systems and methods to facilitate retail transactions | GRANT | 2017-07-04 | 2009-07-23 | 43498125 | Great | Boku Inc | Boku Inc |
| US7343344B2 | 1.113 | Electronic payment system using accounting function in a mobile communication network | GRANT | 2008-03-11 | 2000-08-08 | 18731521 | Great | NEC Corp | NEC Corp |
| EP2122557A2 | 1.109 | SYSTEMS AND METHOD FOR SECURE WIRELESS PAYMENT TRANSACTIONS | GRANT | 2009-11-25 | 2007-01-18 | 39636721 | Great | Mocapay Inc | Mocapay Inc |
| EP1145200A1 | 1.107 | METHOD AND SYSTEM FOR TRANSACTING PAYMENTS | GRANT | 2001-10-17 | 1999-10-25 | 4551728 | Great | Swisscom Mobile AG | Swisscom Schweiz AG |
| US9208505B1 | 1.106 | Systems and methods for providing compensation rebate cashback and reward for using mobile and wearable payment services | GRANT | 2015-12-08 | 2002-10-01 | 57942491 | Great | ||
| EP2156395A1 | 1.104 | MOBILE PAYMENTS SYSTEM AND METHOD | GRANT | 2010-02-24 | 2007-04-27 | 39888160 | Great | American Express Travel Related Services Co Inc | III Holdings 1 LLC |
| EP2255328A2 | 1.103 | SYSTEMS AND METHODS TO VERIFY PAYMENT TRANSACTIONS | GRANT | 2010-12-01 | 2008-02-12 | 39247500 | Great | VIDICOM Ltd | VIDICOM Ltd |
| EP1914675A1 | 1.103 | ELECTRONIC SETTLEMENT SYSTEM METHOD THEREFOR SETTLEMENT SERVER USED THEREIN COMMUNICATION TERMINAL AND PROGRAM | GRANT | 2008-04-23 | 2005-08-05 | 37727304 | Great | NEC Corp | NEC Corp |
| EP1437669B1 | 1.102 | Method for carrying out payments using a communications network | GRANT | 2006-07-26 | 2003-01-08 | 32479933 | Great | Siemens AG | Siemens AG |
| EP2556477A2 | 1.100 | MOBILE PHONE PAYMENT PROCESSING METHODS AND SYSTEMS | GRANT | 2013-02-13 | 2010-04-09 | 44761591 | Great | Paydiant LLC | PayPal Inc |
| US9990623B2 | 1.100 | Systems and methods to provide information | GRANT | 2018-06-05 | 2009-03-02 | 42667656 | Great | Boku Inc | Boku Inc |
| US9619794B2 | 1.099 | Systems and methods for providing compensation rebate cashback and reward for using mobile and wearable payment services digital currency NFC touch payments mobile digital card barcode payments and multimedia haptic capture buying | GRANT | 2017-04-11 | 2002-10-01 | 56164653 | Great | Banker Of Mobi Inc | Banker Of Mobi Inc |
| US9092781B2 | 1.097 | Methods and systems for secure voice-authenticated electronic payment | GRANT | 2015-07-28 | 2007-06-27 | 40161766 | Great | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| WO2011106120A1 | 1.097 | SYSTEMS AND METHODS TO PROCESS PAYMENTS | APPLICATION | 2011-09-01 | 2010-02-26 | 44505796 | Great | ||
| EP2374102A1 | 1.097 | METHODS AND SYSTEMS FOR PAYING A BILL USING A TRANSACTION CARD ACCOUNT | GRANT | 2011-10-12 | 2008-12-23 | 42267471 | Great | Mastercard International Inc | Mastercard International Inc |
| WO2011109508A2 | 1.096 | SYSTEMS AND METHODS USING MOBILE DEVICE IN PAYMENT TRANSACTION | APPLICATION | 2011-09-09 | 2010-03-03 | 44532121 | Great | ||
| US8700530B2 | 1.095 | Systems and methods to process user initiated transactions | GRANT | 2014-04-15 | 2009-03-10 | 42731466 | Great | Boku Inc | Boku Inc |
| EP1120761A2 | 1.094 | Payment execution device for cashless payment and method for executing a cashless payment | GRANT | 2001-08-01 | 2000-01-28 | 7629149 | Great | KommConsult Datenverarbeitung GmbH | KommConsult Datenverarbeitung GmbH |
| EP2389654A2 | 1.094 | SYSTEMS AND METHODS TO CONTROL ONLINE TRANSACTIONS | GRANT | 2011-11-30 | 2009-01-23 | 42354553 | Great | VIDICOM Ltd | VIDICOM Ltd |
| EP2422485A1 | 1.093 | SYSTEMS AND METHODS TO PROCESS TRANSACTION REQUESTS | GRANT | 2012-02-29 | 2009-04-20 | 42981370 | Great | Boku Inc | Boku Inc |
| US9741028B2 | 1.092 | System and method for transaction payments using a mobile device | GRANT | 2017-08-22 | 2010-03-11 | 44560843 | Great | Wal Mart Stores Inc | Walmart Apollo LLC |
| US9576285B2 | 1.091 | One gesture one blink and one-touch payment and buying using haptic control via messaging and calling multimedia system on mobile and wearable device currency token interface point of sale device and electronic payment card | GRANT | 2017-02-21 | 2002-10-01 | 56925064 | Great | ||
| US10726398B2 | 1.091 | Mobile agent point-of-sale (POS) | GRANT | 2020-07-28 | 2010-04-07 | 44761598 | Great | Western Union Co | Western Union Co |
| US9519892B2 | 1.091 | Systems and methods to accelerate transactions | GRANT | 2016-12-13 | 2009-08-04 | 43535545 | Great | Boku Inc | Boku Inc |
| US8504475B2 | 1.089 | Systems and methods for enrolling users in a payment service | GRANT | 2013-08-06 | 2009-08-10 | 43535552 | Great | Visa International Service Association | Visa International Service Association |
| US8583504B2 | 1.089 | Systems and methods to provide offers on mobile devices | GRANT | 2013-11-12 | 2010-03-29 | 44657039 | Great | Boku Inc | Boku Inc |
| EP2558990A1 | 1.087 | METHOD AND APPARATUS FOR PROVIDING AUTOMATED PAYMENT | GRANT | 2013-02-20 | 2010-04-14 | 44788952 | Great | Nokia Oyj | Nokia Oyj, Nokia Technologies Oy |
| EP1906349A1 | 1.083 | Payment and transaction system using digital mobile telephones | GRANT | 2008-04-02 | 2003-07-02 | 38829555 | Great | Mobipay International SA | Mobipay International SA |
| WO2010130106A1 | 1.082 | METHOD FOR CONTROLLING PAYMENT OR TRANSFER BY A USER VIA A MOBILE TELEPHONE TERMINAL | APPLICATION | 2010-11-18 | 2009-05-13 | 41220699 | Great | ||
| US9824349B2 | 1.082 | Facilitating mobile device payments using product code scanning | GRANT | 2017-11-21 | 2002-10-01 | 58800389 | Great | World Award Foundation | Mobile Pay Inc, Amobilepay Inc, World Award Academy |
| US8565723B2 | 1.082 | Onetime passwords for mobile wallets | GRANT | 2013-10-22 | 2007-10-17 | 40563951 | Great | First Data Corp | First Data Corp |
| US7537152B2 | 1.082 | Delivery of value identifiers using short message service (SMS) | GRANT | 2009-05-26 | 2005-03-23 | 38877322 | Great | E2interactive Inc | E2interactive Inc |
| EP1249996B1 | 1.080 | Method for billing of services in a communication system | GRANT | 2005-06-22 | 2001-04-12 | 8181578 | Great | Siemens AG | Siemens AG |
| US7461010B2 | 1.080 | Computer network method for conducting payment over a network by debiting and crediting telecommunication accounts | GRANT | 2008-12-02 | 1999-09-13 | 25250169 | Great | ||
| US9852426B2 | 1.079 | Method and system for secure transactions | GRANT | 2017-12-26 | 2008-02-20 | 53265658 | Great | Collective Dynamics LLC | Collective Dynamics LLC |
| EP2422306A1 | 1.078 | PAYMENT TRANSACTION CLIENT SERVER AND SYSTEM | GRANT | 2012-02-29 | 2009-04-22 | 40974398 | Great | Euro-Wallet Bv | FIBONACCI FINANCE GROUP B.V. |
| EP2016543A1 | 1.077 | AUTHENTICATION FOR A COMMERCIAL TRANSACTION USING A MOBILE MODULE | GRANT | 2009-01-21 | 2006-04-18 | 38625335 | Great | Microsoft Corp | Microsoft Corp, Microsoft Technology Licensing LLC |
| EP1590950A1 | 1.076 | PAYMENT SYSTEM | GRANT | 2005-11-02 | 2002-12-20 | 9950127 | Great | Inca Payments Ltd | Inca Payments Ltd |
| EP2016544A1 | 1.075 | SECURE NETWORK COMMERCIAL TRANSACTIONS | GRANT | 2009-01-21 | 2006-04-18 | 38655823 | Great | Microsoft Corp | Microsoft Corp |
| EP1872188A2 | 1.075 | NETWORK COMMERCIAL TRANSACTIONS | GRANT | 2008-01-02 | 2005-04-19 | 37115927 | Great | Microsoft Corp | Microsoft Corp |
| US9595028B2 | 1.073 | Systems and methods to add funds to an account via a mobile communication device | GRANT | 2017-03-14 | 2009-06-08 | 43301432 | Great | Boku Inc | Boku Inc |
| US9235831B2 | 1.073 | Mobile payment systems and methods | GRANT | 2016-01-12 | 2009-04-22 | 54190934 | Great | GoFigure Payments LLC | GoFigure Payments LLC |
| US8095113B2 | 1.072 | Onetime passwords for smart chip cards | GRANT | 2012-01-10 | 2007-10-17 | 40938061 | Great | First Data Corp | First Data Corp |
| EP2411947A1 | 1.072 | SYSTEMS AND METHODS TO PROCESS TRANSACTIONS BASED ON SOCIAL NETWORKING | GRANT | 2012-02-01 | 2009-03-27 | 44991026 | Great | Boku Inc | Boku Inc |
| EP1216462B1 | 1.072 | METHOD FOR CHARGING INTERNET SERVICES VIA A MOBILE TELEPHONE | GRANT | 2005-11-23 | 1999-09-28 | 7923636 | Great | T Mobile Deutschland GmbH | Telekom Deutschland GmbH |
| EP2109850A1 | 1.071 | MOBILE PAYMENT SYSTEM AND METHOD USING ALIAS | GRANT | 2009-10-21 | 2006-12-26 | 39544286 | Great | Visa USA Inc | Visa USA Inc |
| US9361616B2 | 1.071 | One-scan and one-touch payment and buying using haptic control via messaging and calling multimedia system on mobile and wearable device currency token interface point of sale device and electronic payment card | GRANT | 2016-06-07 | 2002-10-01 | 59224693 | Great | ||
| EP1211653A1 | 1.071 | Bill payment system using telephone networks | GRANT | 2002-06-05 | 2000-12-01 | 8173966 | Great | Atlinks SAS | Atlinks SAS |
| US10783523B2 | 1.069 | Alternate mobile payment service | GRANT | 2020-09-22 | 2010-03-23 | 44657412 | Great | Visa International Service Association | Visa International Service Association |
| EP1023705B1 | 1.068 | INTERNET PAYMENT AND LOADING SYSTEM USING SMART CARD | GRANT | 2005-04-06 | 1997-04-30 | 26723304 | Great | Visa International Service Association | Visa International Service Association |
| EP2008237A1 | 1.068 | MOBILE PERSON-TO-PERSON PAYMENT SYSTEM | GRANT | 2008-12-31 | 2006-03-30 | 38532095 | Great | Obopay Inc | Obopay Inc |
| EP1286317A2 | 1.066 | Method of crediting an account | GRANT | 2003-02-26 | 2001-08-22 | 9920814 | Great | Turriff International Ltd | Turriff International Ltd |
| WO2003044710A1 | 1.064 | APPARATUS METHOD AND SYSTEM FOR PAYMENT USING A MOBILE DEVICE | APPLICATION | 2003-05-30 | 2001-10-11 | 20428997 | Great | ||
| EP2082558B1 | 1.063 | SYSTEM AND METHOD FOR AUTHENTICATING REMOTE SERVER ACCESS | GRANT | 2019-04-10 | 2006-10-19 | 39319449 | Great | Qualcomm Inc | Qualcomm Inc |
| EP2491526A1 | 1.062 | MOBILE PAYMENT STATION SYSTEM AND METHOD | GRANT | 2012-08-29 | 2009-10-19 | 43880031 | Great | Faber Financial LLC | MOBILE EQUITY CORP. |
| EP0734556B1 | 1.062 | NETWORK BASED PAYMENT SYSTEM AND METHOD FOR USING SUCH SYSTEM | GRANT | 2002-09-04 | 1993-12-16 | 22611825 | Great | Open Market Inc | ENIVID INC. LIQUIDATION TRUST, Soverain Software LLC, Data Return LLC, Divine Tech Ventures |
| EP2561470A1 | 1.061 | THIRD PARTY TRANSACTION PAYMENT PRCESSING | GRANT | 2013-02-27 | 2010-04-26 | 44816611 | Great | ||
| EP2593913A1 | 1.060 | MONEY TRANSFER SYSTEM GATEWAY SERVICE | GRANT | 2013-05-22 | 2010-07-16 | 45467700 | Great | Mastercard International Inc | Mastercard International Inc |
| EP2494804B1 | 1.060 | METHOD AND APPARATUS FOR RECOVERY DURING AUTHENTICATION | GRANT | 2019-04-24 | 2009-10-30 | 43921401 | Great | Nokia Technologies Oy | Nokia Oyj, Nokia Technologies Oy |
| EP2435961A1 | 1.057 | SYSTEMS AND METHODS TO PROCESS TRANSACTIONS BASED ON SOCIAL NETWORKING | GRANT | 2012-04-04 | 2009-05-27 | 43221328 | Great | Boku Inc | Boku Inc |
| EP2135210A1 | 1.057 | BILL PAYMENT SYSTEM | GRANT | 2009-12-23 | 2007-04-02 | 39795977 | Great | Visa USA Inc | Visa USA Inc |
| US7200551B1 | 1.056 | Automated bill payment system | GRANT | 2007-04-03 | 2000-02-28 | 37897685 | Great | TelPay Inc | TelPay Inc |
| EP1264484B1 | 1.056 | CABLE TELEVISION PAYMENT AND LOAD SYSTEM USING SMART CARD | GRANT | 2006-10-11 | 2000-03-10 | 24084729 | Great | Visa International Service Association | Visa International Service Association |
| US8559923B2 | 1.055 | Switching functions for mobile payments system | GRANT | 2013-10-15 | 2009-05-18 | 43068913 | Great | Mastercard International Inc | Mastercard International Inc |
| EP2216742A1 | 1.054 | Mobile payment method and devices | GRANT | 2010-08-11 | 2009-02-09 | 40757543 | Great | ||
| US8160959B2 | 1.054 | Methods and systems for payment transactions in a mobile environment | GRANT | 2012-04-17 | 2006-07-06 | 38920175 | Great | Firethorn Mobile Inc | Qualcomm Inc |
| EP1282887B1 | 1.054 | A BILLING SERVICE SYSTEM AND METHOD | GRANT | 2009-11-04 | 2000-05-19 | 24295600 | Great | ||
| US8489067B2 | 1.054 | Methods and systems for distribution of a mobile wallet for a mobile device | GRANT | 2013-07-16 | 2006-07-06 | 39464819 | Great | Qualcomm Inc | Qualcomm Inc |
| US10496979B2 | 1.053 | Smart wallet | GRANT | 2019-12-03 | 2010-06-29 | 47422872 | Great | PayPal Inc | PayPal Inc |
| WO2007008860A2 | 1.051 | SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE FIXED OR VIRTUAL DEVICES | APPLICATION | 2007-01-18 | 2005-07-11 | 37619360 | Great | ||
| US8510220B2 | 1.049 | Methods and systems for viewing aggregated payment obligations in a mobile environment | GRANT | 2013-08-13 | 2006-07-06 | 38920180 | Great | Qualcomm Inc | Qualcomm Inc |
| US8145568B2 | 1.049 | Methods and systems for indicating a payment in a mobile environment | GRANT | 2012-03-27 | 2006-07-06 | 38920177 | Great | Firethorn Mobile Inc | Qualcomm Inc |
| US8190087B2 | 1.047 | Scheduling and paying for a banking transaction using an NFC enabled mobile communication device | GRANT | 2012-05-29 | 2005-12-31 | 46329681 | Great | Blaze Mobile Inc | Blaze Mobile Inc |
| US9697508B1 | 1.045 | Mobile payments using point-of-sale infrastructure | GRANT | 2017-07-04 | 2010-03-23 | 44657413 | Great | Amazon Technologies Inc | Amazon Technologies Inc |
| US8756161B2 | 1.045 | Customer initiated payment method using mobile device | GRANT | 2014-06-17 | 2008-02-11 | 41089845 | Great | Accenture Global Services Ltd | Accenture Global Services Ltd |
| EP2329440A2 | 1.045 | OVER THE AIR MANAGEMENT OF PAYMENT APPLICATION INSTALLED IN MOBILE DEVICE | GRANT | 2011-06-08 | 2008-09-22 | 42040189 | Great | Visa International Service Association | Visa International Service Association |
| US9911114B2 | 1.044 | Methods and systems for making a payment via a stored value card in a mobile environment | GRANT | 2018-03-06 | 2006-07-06 | 39052025 | Great | Qualcomm Inc | Qualcomm Inc |
| US8688570B2 | 1.044 | System and method for performing person-to-person funds transfers via wireless communications | GRANT | 2014-04-01 | 2007-04-27 | 39888159 | Great | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US8332272B2 | 1.043 | Single tap transactions using an NFC enabled mobile device | GRANT | 2012-12-11 | 2006-08-25 | 40676721 | Great | Blaze Mobile Inc | Blaze Mobile Inc |
| EP2368224A1 | 1.043 | MOBILE BARCODE GENERATION AND PAYMENT | GRANT | 2011-09-28 | 2008-12-02 | 42223690 | Great | eBay Inc | PayPal Inc |
| US8467766B2 | 1.043 | Methods and systems for managing payment sources in a mobile environment | GRANT | 2013-06-18 | 2006-07-06 | 38920191 | Great | Qualcomm Inc | Qualcomm Inc |
| WO2012027694A2 | 1.042 | ACCOUNT NUMBER BASED BILL PAYMENT PLATFORM APPARATUSES METHODS AND SYSTEMS | APPLICATION | 2012-03-01 | 2010-08-27 | 45724092 | Great | ||
| US8121945B2 | 1.042 | Methods and systems for payment method selection by a payee in a mobile environment | GRANT | 2012-02-21 | 2006-07-06 | 38920178 | Great | Firethorn Mobile Inc | Qualcomm Inc |
| EP2589003A1 | 1.039 | SMART WALLET | GRANT | 2013-05-08 | 2010-06-29 | 45353433 | Great | eBay Inc | PayPal Inc |
| US8566188B2 | 1.039 | Systems and methods to route messages to facilitate online transactions | GRANT | 2013-10-22 | 2010-01-13 | 44259271 | Great | Boku Inc | Boku Inc |
| EP2332092A1 | 1.036 | APPARATUS AND METHOD FOR PREVENTING UNAUTHORIZED ACCESS TO PAYMENT APPLICATION INSTALLED IN CONTACTLESS PAYMENT DEVICE | GRANT | 2011-06-15 | 2008-09-22 | 47998731 | Great | Visa International Service Association | Visa International Service Association |
| US8041639B2 | 1.035 | Systems and methods to facilitate online transactions | GRANT | 2011-10-18 | 2009-01-23 | 42354936 | Great | VIDICOM Ltd | Boku Inc |
| EP2149084B1 | 1.035 | METHOD AND SYSTEM FOR AUTHENTICATING A PARTY TO A TRANSACTION | GRANT | 2019-03-27 | 2007-04-17 | 39875877 | Great | Visa USA Inc | Visa USA Inc |
| EP2368339B1 | 1.034 | SECURE TRANSACTION AUTHENTICATION | GRANT | 2017-08-09 | 2008-12-03 | 42233671 | Great | Entersekt International Ltd | ENTERSEKT INTERNATIONAL LIMITED |
| EP2266083A2 | 1.033 | NETWORK-BASED VIRAL PAYMENT SYSTEM | GRANT | 2010-12-29 | 2008-03-14 | 41065888 | Great | Obopay Inc | Obopay Inc |
| US8224709B2 | 1.032 | Systems and methods for pre-defined purchases on a mobile communication device | GRANT | 2012-07-17 | 2009-10-01 | 43823931 | Great | Boku Inc | Boku Inc |
| EP2365469A1 | 1.032 | Method for performing payment transaction using personal mobile device and arrangement for personal mobile device | GRANT | 2011-09-14 | 2010-03-10 | 44118538 | Great | Telecash Spolka Z Ograniczona Odpowiedzialnoscia | Telecash Spolka Z Ograniczona Odpowiedzialnoscia |
| US9953308B2 | 1.031 | Payment messaging calling and multimedia system on mobile and wearable device with haptic control for one-scan and single-touch payments | GRANT | 2018-04-24 | 2002-10-01 | 59786680 | Great | World Award Academy World Award Foundation Amobilepay Inc | Amobilepay Inc, World Award Academy, World Award Foundation |
| EP1710980B1 | 1.030 | Authentication services using mobile device | GRANT | 2012-08-08 | 2005-04-08 | 36636465 | Great | Fujitsu Ltd | Fujitsu Ltd |
| EP2128809A1 | 1.029 | Server device for controlling a transaction first entity and second entity | GRANT | 2009-12-02 | 2008-05-30 | 40602368 | Great | mr QR10 GmbH and Co KG | mr QR10 GmbH and Co KG |
| US20090150248A1 | 1.028 | SYSTEM FOR ENHANCING PAYMENT SECURITY METHOD THEREOF AND PAYMENT CENTER | APPLICATION | 2009-06-11 | 2007-12-10 | 40722599 | Great | International Business Machines Corp | International Business Machines Corp |
| EP2396754A2 | 1.027 | SECURE PAYMENT AND BILLING METHOD USING MOBILE PHONE NUMBER OR ACCOUNT | GRANT | 2011-12-21 | 2009-02-14 | 42562267 | Great | NET2TEXT Ltd | NET2TEXT Ltd |
| US8275312B2 | 1.027 | Induction triggered transactions using an external NFC device | GRANT | 2012-09-25 | 2005-12-31 | 46329685 | Great | Blaze Mobile Inc | Blaze Mobile Inc |
| US7575177B2 | 1.027 | Dual use payment device | GRANT | 2009-08-18 | 2007-10-03 | 40522420 | Great | Mastercard International Inc | Mastercard International Inc |
| EP2350942A1 | 1.026 | THE ELECTRONIC PAYMENT APPLICATION SYSTEM AND PAYMENT AUTHORIZATION METHOD | GRANT | 2011-08-03 | 2008-09-19 | 41335562 | Great | Logomotion sro | SMK Corp, SMK Logomotion Corp, Logomotion sro |
| EP2481020A1 | 1.025 | METHODS AND SYSTEMS FOR DISPLAYING LOYALTY PROGRAM INFORMATION ON A PAYMENT CARD | GRANT | 2012-08-01 | 2009-09-23 | 43755767 | Great | Mastercard International Inc | Mastercard International Inc |
| US7770789B2 | 1.025 | Secure payment card transactions | GRANT | 2010-08-10 | 2007-05-17 | 40026494 | Great | Shift4 Corp | Shift4 Corp |
| US8245044B2 | 1.024 | Payment transaction processing using out of band authentication | GRANT | 2012-08-14 | 2008-11-14 | 42170722 | Great | Visa International Service Association | Visa International Service Association |
| WO2011129986A1 | 1.024 | SYSTEMS AND METHODS TO PROVIDE CREDITS VIA MOBILE DEVICES | APPLICATION | 2011-10-20 | 2010-04-15 | 44788924 | Great | ||
| US9177314B2 | 1.024 | Method of making secure electronic payments using communications devices and biometric data | GRANT | 2015-11-03 | 2006-08-14 | 39092702 | Great | AMPACASH CORPORATION | AMPACASH CORPORATION |
| EP2218046A2 | 1.023 | PAYMENT TRANSACTION USING MOBILE PHONE AS RELAY | GRANT | 2010-08-18 | 2007-10-25 | 40580421 | Great | Visa International Service Association | Visa International Service Association |
| EP1240631A1 | 1.022 | PAYMENT TRANSACTION METHOD AND PAYMENT TRANSACTION SYSTEM | GRANT | 2002-09-18 | 1999-12-23 | 4551756 | Great | Swisscom Mobile AG | Swisscom Schweiz AG |
| US20030212601A1 | 1.021 | Credit card SMS portal transmission system and process | APPLICATION | 2003-11-13 | 2002-05-09 | 29406487 | Great | BRIZA TECHNOLOGIES Inc | BRIZA TECHNOLOGIES Inc |
| US8160943B2 | 1.021 | Systems and methods to process transactions based on social networking | GRANT | 2012-04-17 | 2009-03-27 | 42785595 | Great | Boku Inc | VIDICOM Ltd, Boku Inc |
| EP2380308B1 | 1.021 | SECURE REMOTE AUTHENTICATION THROUGH AN UNTRUSTED NETWORK | GRANT | 2017-08-16 | 2009-01-15 | 42319976 | Great | Visa International Service Association | Visa International Service Association |
| EP2372628A2 | 1.020 | METHOD APPARATUS AND SYSTEM FOR ENABLING PURCHASER TO DIRECT PAYMENT APPROVAL SETTLEMENT AND MEMBERSHIP SUBSCRIPTION USING MOBILE COMMUNICATION TERMINAL | GRANT | 2011-10-05 | 2008-11-28 | 42226226 | Great | Harex Infotech Inc | Harex Infotech Inc |
| US8255327B2 | 1.018 | System and method for issuer originated payments for on-line banking bill payments | GRANT | 2012-08-28 | 2004-09-01 | 36146573 | Great | ||
| EP1240632A1 | 1.018 | PAYMENT TRANSACTION METHOD AND PAYMENT TRANSACTION SYSTEM | GRANT | 2002-09-18 | 1999-12-23 | 4551757 | Great | Swisscom Mobile AG | Swisscom Fixnet AG, Swisscom AG |
| EP1723593A2 | 1.014 | WIRELESS WALLET | GRANT | 2006-11-22 | 2004-02-17 | 34891268 | Great | Fujitsu Ltd | Fujitsu Ltd |
| US7273168B2 | 1.014 | Point-of-sale billing via hand-held devices | GRANT | 2007-09-25 | 2003-10-10 | 34594733 | Great | Xilidev Inc | Xilidev Inc |
| US7891563B2 | 1.014 | Secure payment card transactions | GRANT | 2011-02-22 | 2007-05-17 | 40026492 | Great | Shift4 Corp | Shift4 Corp |
| US5699528A | 1.013 | System and method for bill delivery and payment over a communications network | GRANT | 1997-12-16 | 1995-10-31 | 24198693 | Great | Mastercard International Inc | Mastercard International Inc |
| US8275364B2 | 1.013 | Systems and methods for contactless payment authorization | GRANT | 2012-09-25 | 2008-01-04 | 40473625 | Great | Logomotion sro | SMK Corp |
| EP1225549B1 | 1.012 | Terminal and method for electronic payment | GRANT | 2005-10-19 | 2001-01-04 | 8858530 | Great | SAGEM SA | SAGEM SA, Safran Electronics and Defense SAS |
| EP1616248A1 | 1.012 | ELECTRONIC PAYMENT SYSTEM | GRANT | 2006-01-18 | 2003-04-09 | 33299813 | Great | GTECH Rhode Island Corp, IGT Rhode Island LLC, GTECH Corp | IGT Rhode Island LLC, IGT Rhode Island LLC, IGT Global Solutions Corp |
| EP0820620B1 | 1.011 | ELECTRONIC PAYMENT METHOD FOR PURCHASE-RELATED TRANSACTIONS OVER A COMPUTER NETWORK | GRANT | 1999-03-17 | 1995-04-14 | 9478147 | Great | G C Tech | GLOBE ID SOFTWARE |
| EP2546791A1 | 1.009 | METHOD AND SYSTEM FOR PERFORMING A TRANSACTION | GRANT | 2013-01-16 | 2010-03-08 | 42244338 | Great | Telefonica SA | Telefonica SA |
| EP1327230B1 | 1.009 | SYSTEM FOR PAYMENT DATA EXCHANGE AND PAYMENT TERMINAL DEVICE USED THEREIN | GRANT | 2005-05-25 | 2000-10-18 | 11003983 | Great | Ultra Proizvodnja Elektronskih Naprav doo | Ultra Proizvodnja Elektronskih Naprav doo |
| US8600883B2 | 1.008 | Mobile barcode generation and payment | GRANT | 2013-12-03 | 2008-12-02 | 46491477 | Great | eBay Inc | PayPal Inc |
| US20110217994A1 | 1.006 | Systems and Methods to Automate Transactions via Mobile Devices | APPLICATION | 2011-09-08 | 2010-03-03 | 44531779 | Great | Boku Inc | Boku Inc |
| EP2425386A2 | 1.004 | SYSTEMS AND METHODS FOR RANDOMIZED MOBILE PAYMENT | GRANT | 2012-03-07 | 2009-04-30 | 43032730 | Great | ||
| EP2359323B1 | 1.004 | DEVICE INCLUDING AUTHENTICATION GLYPH | GRANT | 2019-01-02 | 2008-11-13 | 42164668 | Great | Visa International Service Association | Visa International Service Association |
| US9424413B2 | 1.003 | Integration of payment capability into secure elements of computers | GRANT | 2016-08-23 | 2010-02-24 | 46798727 | Great | Visa International Service Association | Visa International Service Association |
| EP2339521B1 | 1.000 | Cash-less payment for a purchase by a buyer from a seller of products and/or services | GRANT | 2016-05-04 | 2009-12-09 | 43533367 | Great | Vodafone Holding GmbH | Vodafone Holding GmbH |
| US8244609B2 | 1.000 | Payment management on mobile devices | GRANT | 2012-08-14 | 2010-04-02 | 44284242 | Great | Intel Corp | Intel Corp |
| WO2012011054A1 | 1.000 | DEVICE SYSTEM AND METHOD OF MOBILE-DEVICE APPROVAL OF PAYMENT | APPLICATION | 2012-01-26 | 2010-07-19 | 45496576 | Great | ||
| EP2171659B1 | 1.000 | SECURE MOBILE PAYMENT SYSTEM | GRANT | 2016-04-06 | 2007-06-25 | 40137518 | Great | Visa International Service Association | Visa International Service Association |
| EP1107198B1 | 0.999 | System and method for performing an electronic transaction using a transaction proxy with an electronic wallet | GRANT | 2007-01-10 | 1999-11-30 | 26863739 | Great | Citibank NA | Citibank NA |
| EP1657687B1 | 0.999 | Prepaid payment card for instant remote recharging by coupon | GRANT | 2007-09-05 | 2004-11-10 | 34931586 | Great | ||
| EP1450316B1 | 0.998 | Method and system for administration of a financial account | GRANT | 2014-08-27 | 2003-02-21 | 32731599 | Great | Swisscom AG | Swisscom AG |
| US9400978B2 | 0.995 | Methods and systems for selecting accounts and offers in payment transactions | GRANT | 2016-07-26 | 2010-04-09 | 49114936 | Great | PayPal Inc | PayPal Inc |
| EP2340519A1 | 0.995 | OVER THE AIR UPDATE OF PAYMENT TRANSACTION DATA STORED IN SECURE MEMORY | GRANT | 2011-07-06 | 2008-09-22 | 47998732 | Great | Visa International Service Association | Visa International Service Association |
| US7024174B2 | 0.994 | Method and system for data management in electronic payments transactions | GRANT | 2006-04-04 | 2001-07-24 | 23190130 | Great | Citibank NA | Citibank NA |
| US9501773B2 | 0.993 | Secured transaction system | GRANT | 2016-11-22 | 2010-02-02 | 44342480 | Great | ||
| EP1271435A2 | 0.993 | Authentication and access control system | GRANT | 2003-01-02 | 2001-06-15 | 25381729 | Great | Hewlett Packard Co | HP Inc, Hewlett Packard Development Co LP |
| US8290865B2 | 0.992 | Push payment system and method including billing file exchange | GRANT | 2012-10-16 | 2009-02-06 | 42541183 | Great | Visa International Service Association | Visa International Service Association |
| EP1450317B1 | 0.991 | Method and system for blocking or deblocking a financial account associated to a SIM-card | GRANT | 2006-04-19 | 2003-02-21 | 32731600 | Great | Swisscom Mobile AG | Swisscom Schweiz AG |
| EP2589002A1 | 0.991 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE | GRANT | 2013-05-08 | 2010-07-02 | 45400435 | Great | Qualcomm Inc | Qualcomm Inc |
| US9129269B2 | 0.991 | Secured point-of-sale transaction system | GRANT | 2015-09-08 | 2010-02-02 | 44342481 | Great | ||
| US20070214078A1 | 0.990 | Bill payment apparatus and method | APPLICATION | 2007-09-13 | 2005-09-28 | 38480113 | Great | TransPayment Inc | TransPayment Inc |
| US8667560B2 | 0.989 | Authenticating a user with picture messaging | GRANT | 2014-03-04 | 2010-08-31 | 45698951 | Great | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US9799067B2 | 0.989 | Point of sale payment method | GRANT | 2017-10-24 | 2008-02-11 | 39628887 | Great | Accenture Global Services Ltd | Accenture Global Services Ltd |
| US8751316B1 | 0.988 | Customer-controlled point-of-sale on a mobile device | GRANT | 2014-06-10 | 2010-02-05 | 50845531 | Great | Intuit Inc | Intuit Inc |
| US9361611B2 | 0.986 | Method and system for secure mobile payment transactions | GRANT | 2016-06-07 | 2008-02-20 | 49487968 | Great | Collective Dynamics LLC | Collective Dynamics LLC |
| EP2070028A2 | 0.986 | STAGED TRANSACTION SYSTEM FOR MOBILE COMMERCE | GRANT | 2009-06-17 | 2006-09-28 | 39231025 | Great | First Data Corp | First Data Corp |
| US10147076B2 | 0.986 | Digital currency (virtual payment cards) issued by central bank for mobile and wearable devices | GRANT | 2018-12-04 | 2002-10-01 | 62243261 | Great | ||
| US8660911B2 | 0.985 | Systems and methods to facilitate online transactions | GRANT | 2014-02-25 | 2009-09-23 | 43757465 | Great | Boku Inc | Boku Inc |
| US8249965B2 | 0.985 | Member-supported mobile payment system | GRANT | 2012-08-21 | 2006-03-30 | 38560566 | Great | Obopay Inc | OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE Ltd |
| US20110125610A1 | 0.982 | Systems and Methods to Automate the Initiation of Transactions via Mobile Devices | APPLICATION | 2011-05-26 | 2009-11-20 | 44060034 | Great | Boku Inc | Boku Inc |
| US7873573B2 | 0.981 | Virtual pooled account for mobile banking | GRANT | 2011-01-18 | 2006-03-30 | 40589162 | Great | Obopay Inc | OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE Ltd |
| WO2008063990A2 | 0.980 | SYSTEM HARDWARE AND METHOD FOR MOBILE POS PAYMENT | APPLICATION | 2008-05-29 | 2006-11-13 | 39430477 | Great | ||
| US10521776B2 | 0.980 | UN currency (virtual payment cards) issued by central bank or other issuer for mobile and wearable devices | GRANT | 2019-12-31 | 2002-10-01 | 65897364 | Great | ||
| US9033217B2 | 0.980 | System and method for pairing a BLUETOOTH device with a point-of-sale terminal | GRANT | 2015-05-19 | 2008-07-21 | 41529414 | Great | Gilbarco Inc | Gilbarco Inc |
| US7841523B2 | 0.980 | Secure payment card transactions | GRANT | 2010-11-30 | 2007-05-17 | 40026493 | Great | Shift4 Corp | Shift4 Corp |
| EP2257096B1 | 0.979 | Method system server and computer program for services | GRANT | 2018-03-14 | 2009-05-28 | 41278639 | Great | Telia Co AB | Telia Co AB |
| US7353991B2 | 0.979 | System and method for managing wireless point-of-sale transactions | GRANT | 2008-04-08 | 2006-02-21 | 46325379 | Great | Apple Inc | Apple Inc |
| US9015063B2 | 0.977 | Secure device based NFC payment transactions | GRANT | 2015-04-21 | 2007-11-14 | 40624178 | Great | Blaze Mobile Inc | Blaze Mobile Inc |
| US8019365B2 | 0.977 | Conducting a payment using a secure element and SMS | GRANT | 2011-09-13 | 2005-12-31 | 46329684 | Great | Blaze Mobile Inc | Blaze Mobile Inc |
| US20100312645A1 | 0.975 | Systems and Methods to Facilitate Purchases on Mobile Devices | APPLICATION | 2010-12-09 | 2009-06-09 | 43301417 | Great | Boku Inc | Boku Inc |
| US20110143710A1 | 0.975 | SYSTEMS AND METHODS TO FACILITATE ELECTRONIC PAYMENTS | APPLICATION | 2011-06-16 | 2009-12-16 | 44143492 | Great | Boku Inc | Boku Inc |
| EP1869911A2 | 0.975 | INTEGRATED MOBILE APPLICATION SERVER AND COMMUNICATION GATEWAY | GRANT | 2007-12-26 | 2005-04-06 | 37073937 | Great | SHOP TEXT, INC. | SHOP TEXT, INC. |
| US20110238483A1 | 0.974 | Systems and Methods to Distribute and Redeem Offers | APPLICATION | 2011-09-29 | 2010-03-29 | 44657419 | Great | Boku Inc | Boku Inc |
| EP2559012A1 | 0.974 | SYSTEM FOR SECURE PAYMENT OVER A WIRELESS COMMUNICATION NETWORK | GRANT | 2013-02-20 | 2010-07-09 | 43586730 | Great | iZettle Merchant Services AB | iZettle Merchant Services AB |
| US7668766B1 | 0.974 | System and method of processing payment of bills from multiple bill providers | GRANT | 2010-02-23 | 2001-09-10 | 41692252 | Great | NCR Corp | NCR Corp |
| EP1450320A1 | 0.972 | Paying module with several bank accounts paying system and paying method | GRANT | 2004-08-25 | 2003-02-21 | 32731595 | Great | Swisscom Mobile AG | Swisscom Mobile AG |
| US8914302B2 | 0.971 | Mobile commerce authentication and authorization system | GRANT | 2014-12-16 | 2008-01-24 | 40901424 | Great | Qualcomm Inc | Qualcomm Inc |
| US10134031B2 | 0.971 | Transaction token issuing authorities | GRANT | 2018-11-20 | 2010-04-09 | 59561594 | Great | PayPal Inc | PayPal Inc |
| EP1334475B1 | 0.969 | ELECTRONIC PAYMENT AND ASSOCIATED SYSTEMS | GRANT | 2006-08-23 | 2000-11-15 | 9903254 | Great | ||
| EP2304678A1 | 0.968 | MOBILE PAYMENT SYSTEM | GRANT | 2011-04-06 | 2008-06-09 | 41417096 | Great | Obopay Inc | Obopay Inc |
| US8055581B2 | 0.967 | Management of financial transactions using debit networks | GRANT | 2011-11-08 | 2007-02-22 | 39710516 | Great | First Data Corp | First Data Corp |
| EP1922681B1 | 0.967 | MOBILE ACCOUNT MANAGEMENT | GRANT | 2013-04-03 | 2005-08-12 | 35098237 | Great | Vodafone Group PLC | Vodafone Group PLC |
| EP2438562A1 | 0.966 | SYSTEMS AND METHODS FOR ROUTING A TRANSACTION REQUEST TO A PAYMENT SYSTEM VIA A TRANSACTION DEVICE | GRANT | 2012-04-11 | 2009-06-05 | 43298131 | Great | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| EP1817868B1 | 0.965 | SYSTEM AND METHOD FOR SERVICE ACTIVATION IN MOBILE NETWORK BILLING | GRANT | 2010-10-20 | 2004-11-29 | 36497712 | Great | Research in Motion Ltd | BlackBerry Ltd |
| EP0960402B1 | 0.964 | REAL TIME SYSTEM AND METHOD FOR REMOTE PURCHASE PAYMENT AND REMOTE BILL PAYMENT TRANSACTIONS AND TRANSFERRING OF ELECTRONIC CASH AND OTHER REQUIRED DATA | GRANT | 2007-09-26 | 1996-06-19 | 27241683 | Great | Gholizadeh Vazvani Malak | Gholizadeh Vazvani Malak |
| EP1705890B1 | 0.963 | Delivery of value identifiers using short message service (SMS) | GRANT | 2008-08-20 | 2005-03-23 | 36582038 | Great | E2interactive Inc | E2interactive Inc |
| US8200260B2 | 0.962 | Systems and methods for processing purchase transactions between mobile phones | GRANT | 2012-06-12 | 2009-08-11 | 43586587 | Great | Ericsson Television Inc | Ericsson Television Inc |
| EP1450322A1 | 0.962 | Payment method and system | GRANT | 2004-08-25 | 2003-02-21 | 32731597 | Great | Swisscom Mobile AG | Swisscom AG |
| EP2953389B1 | 0.960 | VIRTUAL SIM CARD FOR MOBILE HANDSETS | GRANT | 2017-11-22 | 2007-12-24 | 40513858 | Great | Qualcomm Inc | Qualcomm Inc |
| US6721716B1 | 0.960 | Payment certification string and related electronic payment system and method | GRANT | 2004-04-13 | 1999-06-17 | 23309252 | Great | Mobius Management Systems Inc | Mobius Management Systems Inc |
| EP2591463B1 | 0.959 | Secure system and method for the identification and recording of an identity | GRANT | 2014-10-22 | 2010-07-08 | 43086276 | Great | ABM Technologies | ABM Technologies |
| US10304051B2 | 0.959 | NFC mobile wallet processing systems and methods | GRANT | 2019-05-28 | 2010-04-09 | 53482237 | Great | PayPal Inc | PayPal Inc |
| US8768778B2 | 0.959 | Effecting an electronic payment | GRANT | 2014-07-01 | 2007-06-29 | 40161733 | Great | Boku Inc | Boku Inc |
| US8260694B1 | 0.959 | System method and computer program for managing transaction billing across a plurality of billing sources utilizing an interface to configure advice-of-charge | GRANT | 2012-09-04 | 2008-03-20 | 46726572 | Great | OpenMarket Inc | OpenMarket Inc |
| US10373133B2 | 0.959 | Portable account number for consumer payment account | GRANT | 2019-08-06 | 2010-03-03 | 44532118 | Great | Visa International Service Association | Visa International Service Association |
| US6343284B1 | 0.957 | Method and system for billing on the internet | GRANT | 2002-01-29 | 1997-12-08 | 18308217 | Great | Nippon Telegraph and Telephone Corp | Nippon Telegraph and Telephone Corp |
| EP1428185A1 | 0.955 | A METHOD AND NETWORK ELEMENT FOR PAYING BY A MOBILE TERMINAL THROUGH A COMMUNICATION NETWORK | GRANT | 2004-06-16 | 2001-09-06 | 8164583 | Great | Nokia Oyj | Nokia Oyj |
| EP1723600A2 | 0.952 | METHOD SYSTEM AND COMPUTER READABLE MEDIUM FOR WEB SITE ACCOUNT AND E-COMMERCE MANAGEMENT FROM A CENTRAL LOCATION | GRANT | 2006-11-22 | 2004-02-26 | 35056638 | Great | PassGate Corp | PassGate Corp |
| EP1758053A1 | 0.952 | Wireless computer wallet for physical point of sale (POS) transactions | GRANT | 2007-02-28 | 2005-08-01 | 37487378 | Great | Fujitsu Ltd | PCMS Holdings Inc |
| EP2113895A1 | 0.952 | Mobile phone as a point of sale (POS) device | GRANT | 2009-11-04 | 2008-04-30 | 40921960 | Great | Utiba Pte Ltd | Utiba Pte Ltd |
| US8977567B2 | 0.950 | Recordation of electronic payment transaction information | GRANT | 2015-03-10 | 2008-09-22 | 42039918 | Great | Visa International Service Association | Visa International Service Association |
| US8219542B2 | 0.949 | Systems and methods to provide access control via mobile phones | GRANT | 2012-07-10 | 2010-03-25 | 44657032 | Great | Boku Inc | Boku Inc |
| US9053474B2 | 0.948 | Systems and methods for handling point-of-sale transactions using a mobile device | GRANT | 2015-06-09 | 2008-08-04 | 42267438 | Great | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US8412625B2 | 0.948 | System and methods for a multi-channel payment platform | GRANT | 2013-04-02 | 2008-08-25 | 41697254 | Great | Bruno Pilo'' and Assoc LLC | Bruno Pilo'' and Assoc LLC |
| US6292789B1 | 0.944 | Method and system for bill presentment and payment | GRANT | 2001-09-18 | 1997-08-26 | 27369019 | Great | Citibank NA | Citibank NA |
| EP1374193B1 | 0.944 | Method for conducting secure e-commerce transactions | GRANT | 2007-10-17 | 2001-04-04 | 4168768 | Great | Sips Inc | Sips Inc |
| US8170527B2 | 0.943 | Real-time balance on a mobile phone | GRANT | 2012-05-01 | 2007-09-26 | 40472197 | Great | Visa USA Inc | Visa USA Inc |
| US10600046B2 | 0.942 | Method and apparatus for mobile payments | GRANT | 2020-03-24 | 2006-09-24 | 49779114 | Great | RFCyber Corp | RFCyber Corp |
| US20080010191A1 | 0.942 | Methods and Systems For Providing a Payment in a Mobile Environment | APPLICATION | 2008-01-10 | 2006-07-06 | 38920176 | Great | Firethorn Holdings LLC | Qualcomm Inc |
| US7958052B2 | 0.942 | Methods and systems for cardholder initiated transactions | GRANT | 2011-06-07 | 2007-12-31 | 40799699 | Great | Mastercard International Inc | Mastercard International Inc |
| WO1996004618A1 | 0.942 | SYSTEM FOR REMOTE PURCHASE PAYMENT AND REMOTE BILL PAYMENT TRANSACTIONS | APPLICATION | 1996-02-15 | 1994-08-05 | 23099405 | Great | ||
| US9208482B2 | 0.940 | Transaction token issuing authorities | GRANT | 2015-12-08 | 2010-04-09 | 50774121 | Great | PayPal Inc | PayPal Inc |
| US20100306015A1 | 0.940 | Systems and Methods to Schedule Transactions | APPLICATION | 2010-12-02 | 2009-05-29 | 43221265 | Great | Boku Inc | Boku Inc |
| US9824355B2 | 0.940 | Method of performing transactions with contactless payment devices using pre-tap and two-tap operations | GRANT | 2017-11-21 | 2008-09-22 | 47998733 | Great | Visa International Service Association | Visa International Service Association |
| US5909485A | 0.939 | Method of prepaying for consumption of telephone calls | GRANT | 1999-06-01 | 1996-03-07 | 9490127 | Great | France Telecom SA | Orange SA |
| EP1495454A1 | 0.938 | PAYMENT TERMINAL DEVICE FOR PAYMENT DATA EXCHANGE | GRANT | 2005-01-12 | 2002-04-16 | 29227347 | Great | Ultra | MARGENTO B.V., Ultra, Ultra Proizvodnja Elektronskih Naprav doo |
| US7870077B2 | 0.936 | System and method for buying goods and billing agency using short message service | GRANT | 2011-01-11 | 2002-10-02 | 34810221 | Great | KT Corp | KT Corp |
| US8949146B2 | 0.936 | Method for purchasing tickets using a mobile communication device | GRANT | 2015-02-03 | 2005-12-31 | 46329682 | Great | Mobile Candy Dish Inc | Blaze Mobile Inc |
| EP1316076B1 | 0.936 | CODE IDENTIFICATION METHOD AND SYSTEM | GRANT | 2013-03-06 | 2000-09-07 | 27255877 | Great | Swivel Secure Ltd | Swivel Secure Ltd |
| US7716132B1 | 0.935 | Mechanism for express enrollment of a user with an online bill payment service | GRANT | 2010-05-11 | 2006-04-11 | 42139426 | Great | Intuit Inc | Intuit Inc |
| US9715709B2 | 0.933 | Communication device including multi-part alias identifier | GRANT | 2017-07-25 | 2008-05-09 | 41265450 | Great | Visa International Service Association | Visa International Service Association |
| US7383226B2 | 0.932 | Integrated electronic bill presentment and risk based payment | GRANT | 2008-06-03 | 1991-07-25 | 21877194 | Great | Fiserv Inc | CheckFree Services Corp |
| US7571140B2 | 0.932 | Payment management | GRANT | 2009-08-04 | 2002-12-16 | 32507082 | Great | First Data Corp, Western Union Co | First Data Corp, Western Union Co |
| EP1563697A2 | 0.932 | MOBILE COMMUNICATION DEVICE EQUIPPED WITH A MAGNETIC STRIPE READER | GRANT | 2005-08-17 | 2002-10-30 | 32179925 | Great | Way Systems Inc | Way Systems Inc |
| US6078907A | 0.932 | Method and system for electronically presenting and paying bills | GRANT | 2000-06-20 | 1998-02-18 | 21824451 | Great | Group 1 Software Inc | TRISENSE SOFTWARE Inc |
| US5832460A | 0.931 | Method and system for bill presentation and payment reconciliation | GRANT | 1998-11-03 | 1995-06-02 | 23822672 | Great | International Business Machines Corp | PayPal Inc |
| EP1200940B1 | 0.931 | A SYSTEM AND METHOD FOR SECURE NETWORK PURCHASING | GRANT | 2007-10-10 | 1999-07-30 | 27538275 | Great | Safewww Inc | EGI Internet Ltd, Safewww Inc, EGI Internet Ltd |
| EP1514211A1 | 0.930 | METHODS AND SYSTEMS FOR PERFORMING A SALES TRANSACTION USING A MOBILE COMMUNICATIONS DEVICE | GRANT | 2005-03-16 | 2002-05-21 | 29584375 | Great | Tekelec Inc | Tekelec Global Inc |
| US8662384B2 | 0.930 | Text message payment | GRANT | 2014-03-04 | 2006-02-28 | 38445206 | Great | Google LLC | Google LLC |
| US7945240B1 | 0.929 | Mobile communications billing architecture | GRANT | 2011-05-17 | 2005-05-13 | 43981617 | Great | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US8645213B2 | 0.928 | Transactions associated with a mobile device | GRANT | 2014-02-04 | 2010-01-15 | 44278224 | Great | eBay Inc | PayPal Inc |
| US7693790B2 | 0.927 | Method and system for remote delivery of retail banking services | GRANT | 2010-04-06 | 1989-12-08 | 27426918 | Great | Online Resources Corp | Official Payments Corp |
| EP0504287A1 | 0.927 | METHOD AND SYSTEM FOR REMOTE DELIVERY OF RETAIL BANKING SERVICES | GRANT | 1992-09-23 | 1989-12-08 | 23779277 | Great | Online Resources and Communications Corp | Online Resources and Communications Corp |
| EP2387772A1 | 0.927 | SYSTEMS FOR LOCATING A PAYMENT SYSTEM UTILIZING A POINT OF SALE DEVICE | GRANT | 2011-11-23 | 2009-01-13 | 42340060 | Great | American Express Travel Related Services Co Inc | Gula Consulting LLC |
| US8392300B1 | 0.925 | Method and system for transferring bill payment data | GRANT | 2013-03-05 | 2008-11-25 | 47749112 | Great | Intuit Inc | Intuit Inc |
| US20080010204A1 | 0.923 | Methods and Systems For Making a Payment Via a Paper Check in a Mobile Environment | APPLICATION | 2008-01-10 | 2006-07-06 | 38920187 | Great | Firethorn Holdings LLC | Qualcomm Inc |
| US20090210308A1 | 0.920 | SECURE AUTHORIZATION OF CONTACTLESS TRANSACTION | APPLICATION | 2009-08-20 | 2008-02-15 | 40955962 | Great | First Data Corp | First Data Corp |
| US20110093387A1 | 0.919 | SYSTEM AND METHOD FOR NON-CREDIT CARD BILLERS TO ACCEPT CREDIT CARD PAYMENTS | APPLICATION | 2011-04-21 | 2009-10-16 | 43876887 | Great | Visa International Service Association | Visa International Service Association |
| US10726413B2 | 0.918 | Securing external systems with account token substitution | GRANT | 2020-07-28 | 2010-08-12 | 45565502 | Great | Visa International Service Association | Visa International Service Association |
| US20060064380A1 | 0.917 | Methods and systems for performing tokenless financial transactions over a transaction network using biometric data | APPLICATION | 2006-03-23 | 2004-09-15 | 36060687 | Great | GOLDFINGER BIOMETRIC SERVICES Corp | GOLDFINGER BIOMETRIC SERVICES Corp |
| EP2308014A1 | 0.917 | TRUSTED SERVICE MANAGER (TSM) ARCHITECTURES AND METHODS | GRANT | 2011-04-13 | 2008-06-06 | 41401179 | Great | eBay Inc | PayPal Inc |
| EP2316100A2 | 0.915 | MOBILE PAYER AUTHENTICATION | GRANT | 2011-05-04 | 2008-08-11 | 41669631 | Great | Visa USA Inc | Visa USA Inc |
| US5754655A | 0.915 | System for remote purchase payment and remote bill payment transactions | GRANT | 1998-05-19 | 1992-05-26 | 26963959 | Great | ||
| US8851369B2 | 0.915 | Systems and methods for transaction processing using a smartcard | GRANT | 2014-10-07 | 1999-11-05 | 43449700 | Great | Lead Core Fund LLC | Liberty Peak Ventures LLC |
| US8825556B2 | 0.913 | System and method for conversion between Internet and non-Internet based transactions | GRANT | 2014-09-02 | 2005-01-28 | 36741131 | Great | CardinalCommerce Corp | CardinalCommerce Corp |
| US20090063312A1 | 0.913 | Method and System for Processing Secure Wireless Payment Transactions and for Providing a Virtual Terminal for Merchant Processing of Such Transactions | APPLICATION | 2009-03-05 | 2007-08-28 | 40408953 | Great | Mocapay Inc | Mocapay Inc |
| US7379921B1 | 0.913 | Method and apparatus for providing authentication | GRANT | 2008-05-27 | 2004-11-08 | 39426954 | Great | Pisafe Inc | Gula Consulting LLC |
| US20090089193A1 | 0.912 | BILL PAYMENT AGGREGATION SERVICE | APPLICATION | 2009-04-02 | 2007-09-28 | 40509468 | Great | Western Union Co | Western Union Co |
| US9715681B2 | 0.912 | Verification of portable consumer devices | GRANT | 2017-07-25 | 2009-04-28 | 42992980 | Great | Visa International Service Association | Visa International Service Association |
| US8249961B1 | 0.912 | Systems and methods for managing consolidated purchasing billing and payment information | GRANT | 2012-08-21 | 2008-03-19 | 46641684 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US8073774B2 | 0.911 | Billing system and method for micro-transactions | GRANT | 2011-12-06 | 2005-06-06 | 37499031 | Great | SMS AC Inc | SMS AC Inc |
| EP1362273A2 | 0.911 | TRANSACTION AUTHENTICATION | GRANT | 2003-11-19 | 2000-11-01 | 8173357 | Great | British Telecommunications PLC | British Telecommunications PLC |
| US9940627B2 | 0.910 | Mobile coupon method and system | GRANT | 2018-04-10 | 2006-12-26 | 39588981 | Great | Visa USA Inc | Visa USA Inc |
| US20070027775A1 | 0.909 | Method for approving electronic payment using the short message service including url call back and system for implementing the same | APPLICATION | 2007-02-01 | 2003-10-16 | 34464706 | Great | Mobilians Co Ltd | Mobilians Co Ltd |
| US20120041879A1 | 0.909 | METHODS AND SYSTEMS FOR PAYMENT PROCESSING BETWEEN CONSUMERS AND MERCHANTS | APPLICATION | 2012-02-16 | 2010-08-10 | 45565501 | Great | KREDITFLY Inc | KREDITFLY Inc |
| US20040019564A1 | 0.909 | System and method for payment transaction authentication | APPLICATION | 2004-01-29 | 2002-07-26 | 30770147 | Great | Way Systems Inc | Verifone Inc |
| US8180686B2 | 0.908 | Multi-step authentication-based electronic payment method using mobile terminal | GRANT | 2012-05-15 | 2009-10-07 | 43823926 | Great | Danal Co Ltd | Danal Co Ltd |
| US7314167B1 | 0.908 | Method and apparatus for providing secure identification verification and authorization | GRANT | 2008-01-01 | 2005-03-08 | 38870419 | Great | Pisafe Inc | Gula Consulting LLC |
| US10430780B2 | 0.908 | System and method for paying a merchant by a registered user using a cellular telephone account | GRANT | 2019-10-01 | 2008-08-14 | 43586704 | Great | Payfone Inc | Payfone Inc |
| US7437324B1 | 0.907 | System and method of tracking bill payment methods | GRANT | 2008-10-14 | 2001-09-10 | 39828392 | Great | NCR Corp | NCR Corp |
| EP1178444A1 | 0.906 | Electronic payment using SMS | GRANT | 2002-02-06 | 2000-08-01 | 8169421 | Great | mega-tel AG | mega-tel AG |
| EP1046144B1 | 0.906 | SYSTEM AND METHOD FOR CONTROLLING FINANCIAL TRANSACTIONS OVER A WIRELESS NETWORK | GRANT | 2004-02-25 | 1997-12-23 | 25544086 | Great | Openwave Systems Inc | Great Elm Group Inc |
| US8117100B1 | 0.906 | Systems and methods for managing consolidated purchasing billing and payment information | GRANT | 2012-02-14 | 2008-03-19 | 45561561 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US6049786A | 0.906 | Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures | GRANT | 2000-04-11 | 1997-07-22 | 25409634 | Great | Unisys Corp | Unisys Corp |
| US10733604B2 | 0.903 | Account permanence | GRANT | 2020-08-04 | 2007-09-13 | 40452833 | Great | Visa USA Inc | Visa USA Inc |
| US5884288A | 0.903 | Method and system for electronic bill payment | GRANT | 1999-03-16 | 1996-07-01 | 25065848 | Great | Sun Microsystems Inc | Oracle America Inc |
| US8781957B2 | 0.902 | Secure payment service and system for interactive voice response (IVR) systems | GRANT | 2014-07-15 | 2008-07-24 | 41568658 | Great | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US20110251910A1 | 0.901 | Mobile Phone as a Switch | APPLICATION | 2011-10-13 | 2010-04-13 | 44761601 | Great | Visa International Service Association | Visa International Service Association |
| US9792611B2 | 0.901 | Secure authentication system and method | GRANT | 2017-10-17 | 2009-05-15 | 45492768 | Great | Visa International Service Association | Visa International Service Association |
| US20060224470A1 | 0.899 | Digital mobile telephone transaction and payment system | APPLICATION | 2006-10-05 | 2003-07-02 | 33560926 | Great | Mobipay International SA | Mobipay International SA |
| US7909243B2 | 0.899 | System and method for completing a secure financial transaction using a wireless communications device | GRANT | 2011-03-22 | 2007-08-28 | 40405824 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US8433654B2 | 0.896 | Method and system for paying directly at biller websites from within a bill pay website | GRANT | 2013-04-30 | 2010-05-10 | 44902561 | Great | Billeo Inc | Paymentus Inc |
| US20110302083A1 | 0.896 | METHOD AND SYSTEM FOR CONTROLLING ACCESS TO A FINANCIAL ACCOUNT | APPLICATION | 2011-12-08 | 2010-06-07 | 42634746 | Great | Iami Authentications Inc | Iami Authentications Inc |
| US7831246B1 | 0.895 | Mobile merchant | GRANT | 2010-11-09 | 2006-12-08 | 43034886 | Great | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US20070244811A1 | 0.895 | Mobile Client Application for Mobile Payments | APPLICATION | 2007-10-18 | 2006-03-30 | 38606000 | Great | Obopay Inc | OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE Ltd |
| US20110016051A1 | 0.895 | INTELLIGENT AUTHENTICATION | APPLICATION | 2011-01-20 | 2009-06-30 | 43411722 | Great | Visa International Service Association | Visa International Service Association |
| US20100153227A1 | 0.895 | MOBILE PHONE BILLING FOR CONTENT PAYMENT | APPLICATION | 2010-06-17 | 2008-12-12 | 42241673 | Great | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20060131390A1 | 0.895 | Method and system for providing transaction notification and mobile reply authorization | APPLICATION | 2006-06-22 | 2004-12-16 | 36594441 | Great | ||
| US7958049B2 | 0.893 | System and method for obtaining customer bill information and facilitating bill payment at biller websites | GRANT | 2011-06-07 | 2001-11-01 | 32869168 | Great | Metavante Corp | Metavante Corp |
| US20040024702A1 | 0.891 | CATV billing system | APPLICATION | 2004-02-05 | 2002-07-31 | 31186724 | Great | Mavenir Ltd | Mavenir Ltd |
| US8484131B2 | 0.891 | Methods and systems for processing a financial transaction | GRANT | 2013-07-09 | 2007-08-03 | 40339011 | Great | Mastercard International Inc | Mastercard International Inc |
| US10296874B1 | 0.890 | System and method for preventing unauthorized access to financial accounts | GRANT | 2019-05-21 | 2007-12-17 | 66541021 | Great | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20090182634A1 | 0.890 | Image-Based Payment Medium | APPLICATION | 2009-07-16 | 2008-01-10 | 40851487 | Great | ||
| US7362869B2 | 0.888 | Method of distributing a public key | GRANT | 2008-04-22 | 2001-12-10 | 8160887 | Great | Cryptomathic AS | Cryptomathic AS |
| US10255601B2 | 0.887 | Multifactor authentication using a directory server | GRANT | 2019-04-09 | 2010-02-25 | 44477320 | Great | Visa International Service Association | Visa International Service Association |
| US20080208762A1 | 0.886 | PAYMENTS USING A MOBILE COMMERCE DEVICE | APPLICATION | 2008-08-28 | 2007-02-22 | 39710754 | Great | First Data Corp | First Data Corp |
| US20050086164A1 | 0.886 | Method for paying a charge using a mobile phone | APPLICATION | 2005-04-21 | 1999-02-23 | 19574845 | Great | GRIM Electronics Co Ltd | GRIM Electronics Co Ltd |
| US9704327B2 | 0.886 | Multi-function transaction device | GRANT | 2017-07-11 | 2006-08-17 | 39100449 | Great | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc, Verizon Business Financial Management Corp |
| US7792749B2 | 0.885 | Dynamic biller list generation | GRANT | 2010-09-07 | 1999-04-26 | 23152416 | Great | Fiserv Inc | Fiserv Inc, CheckFree Services Corp |
| US8151344B1 | 0.884 | Method and apparatus to authenticate a user | GRANT | 2012-04-03 | 2009-01-29 | 45877509 | Great | Intuit Inc | Intuit Inc |
| US6044362A | 0.883 | Electronic invoicing and payment system | GRANT | 2000-03-28 | 1997-09-08 | 25451590 | Great | Invoicelink Corp | Emergis Technologies Inc |
| US20080133403A1 | 0.882 | Mobile-To-Mobile Payment System And Method | APPLICATION | 2008-06-05 | 2006-11-14 | 39311032 | Great | Globaltel Media Inc | APPTECH CORP |
| US7983994B2 | 0.880 | Module ID based encryption for financial transactions | GRANT | 2011-07-19 | 2007-11-29 | 40676741 | Great | Visa USA Inc | Visa USA Inc |
| US7653591B1 | 0.880 | Late fee avoidance system | GRANT | 2010-01-26 | 2002-09-13 | 41559845 | Great | ||
| US20100280944A1 | 0.880 | PAPERLESS CHECKING TRANSACTIONS | APPLICATION | 2010-11-04 | 2009-04-30 | 43031122 | Great | eBay Inc | PayPal Inc |
| US20090271276A1 | 0.879 | ELECTRONIC PAYMENT SYSTEM | APPLICATION | 2009-10-29 | 2008-04-24 | 40790534 | Great | Qualcomm Inc | Qualcomm Inc |
| US8655309B2 | 0.879 | Systems and methods for electronic device point-of-sale activation | GRANT | 2014-02-18 | 2003-11-14 | 42731455 | Great | E2interactive Inc | E2interactive Inc |
| EP1490745A2 | 0.877 | A SYSTEM AND METHOD FOR PURCHASING GOODS AND SERVICES THROUGH DATA NETWORK ACCESS POINTS OVER A POINT OF SALE NETWORK | GRANT | 2004-12-29 | 2002-03-14 | 28041826 | Great | Euronet Worldwide Inc | Euronet Worldwide Inc |
| US7970669B1 | 0.876 | Method and system for store-to-consumer transaction management | GRANT | 2011-06-28 | 2008-07-25 | 44169474 | Great | Intuit Inc | Intuit Inc |
| US7698217B1 | 0.876 | Masking private billing data by assigning other billing data to use in commerce with businesses | GRANT | 2010-04-13 | 2000-04-20 | 24207994 | Great | Hall Aluminum LLC | Intellectual Ventures I LLC, WILDSEED Inc |
| US9489673B2 | 0.875 | Payment system and methods | GRANT | 2016-11-08 | 2005-10-11 | 52116546 | Great | National Payment Card Association | National Payment Card Association |
| US7216104B2 | 0.875 | Disallow payment for E-billing system | GRANT | 2007-05-08 | 2000-03-14 | 26884911 | Great | Verizon Business Global LLC | Rakuten Inc |
| US9530131B2 | 0.874 | Transaction processing using a global unique identifier | GRANT | 2016-12-27 | 2008-07-29 | 41609315 | Great | Visa USA Inc | Visa USA Inc |
| US20080208744A1 | 0.873 | MOBILE COMMERCE SYSTEMS AND METHODS | APPLICATION | 2008-08-28 | 2007-02-22 | 39710512 | Great | First Data Corp | First Data Corp |
| US8401965B2 | 0.873 | Payment handling | GRANT | 2013-03-19 | 2007-10-31 | 40231289 | Great | Bank of America Corp | Bank of America Corp |
| US10922689B2 | 0.872 | Payment system and method | GRANT | 2021-02-16 | 2007-08-31 | 40408982 | Great | Microsoft Technology Licensing LLC | Microsoft Technology Licensing LLC |
| US7499875B1 | 0.871 | Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments | GRANT | 2009-03-03 | 2000-03-17 | 40385452 | Great | eBay Inc | PayPal Inc |
| US7627524B2 | 0.868 | System method and computer program product for receiving and processing payments | GRANT | 2009-12-01 | 2004-12-31 | 36757820 | Great | U S Payments LLC | U S Payments LLC |
| US7788172B2 | 0.867 | Inter-network electronic billing | GRANT | 2010-08-31 | 2000-07-25 | 25400675 | Great | CheckFree Services Corp | CheckFree Services Corp |
| US7364071B2 | 0.865 | System and method for managing wireless point-of-sale transactions | GRANT | 2008-04-29 | 2006-02-21 | 38427179 | Great | Apple Inc | Apple Inc |
| EP0913789A2 | 0.865 | Pre-paid links to networks servers | GRANT | 1999-05-06 | 1997-10-31 | 25505273 | Great | Sun Microsystems Inc | Sun Microsystems Inc |
| US20120011063A1 | 0.865 | VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING | APPLICATION | 2012-01-12 | 2010-07-06 | 45439289 | Great | Mastercard International Inc | Mastercard International Inc |
| US7711690B1 | 0.864 | Dual source remittance processing | GRANT | 2010-05-04 | 1998-01-21 | 42109431 | Great | Fiserv Inc | Fiserv Inc |
| US20080059375A1 | 0.863 | Payment Card Terminal for Mobile Phones | APPLICATION | 2008-03-06 | 2006-09-06 | 39153160 | Great | Transaction Wireless Inc | First Data Resources LLC |
| US7434723B1 | 0.862 | Mobile payment authorization system and method | GRANT | 2008-10-14 | 2005-05-26 | 39828212 | Great | Sprint Communications Co LP | T Mobile Innovations LLC |
| US7848974B1 | 0.861 | Electronic acquisition of bill payment information from a financial account | GRANT | 2010-12-07 | 2004-09-01 | 43244182 | Great | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20100100480A1 | 0.861 | Apparatus and Method for Bill Payment Card Enrollment | APPLICATION | 2010-04-22 | 2008-09-15 | 42005537 | Great | Mastercard International Inc | Mastercard International Inc |
| US20110022516A1 | 0.861 | Multiple Payments at One Click | APPLICATION | 2011-01-27 | 2009-07-25 | 43498140 | Great | ||
| US20110264582A1 | 0.859 | DIRECT BILL PAYMENT APPARATUSES METHODS AND SYSTEMS | APPLICATION | 2011-10-27 | 2010-03-24 | 44673616 | Great | Visa International Service Association | Visa International Service Association |
| US10586229B2 | 0.858 | Anytime validation tokens | GRANT | 2020-03-10 | 2010-01-12 | 44259549 | Great | Visa International Service Association | Visa International Service Association |
| US20080052091A1 | 0.858 | Secure near field transaction | APPLICATION | 2008-02-28 | 2006-08-22 | 39197774 | Great | MCI Financial Management Corp | Verizon Patent and Licensing Inc, Verizon Business Financial Management Corp |
| US8655310B1 | 0.858 | Control of secure elements through point-of-sale device | GRANT | 2014-02-18 | 2008-04-08 | 50072211 | Great | Sprint Communications Co LP | Sprint Communications Co LP |
| US8396799B2 | 0.857 | Media device payments remote control personalization and protection | GRANT | 2013-03-12 | 2007-11-29 | 41401600 | Great | Visa USA Inc | Visa USA Inc |
| US8494968B2 | 0.857 | Terminal data encryption | GRANT | 2013-07-23 | 2006-06-19 | 38834262 | Great | Visa USA Inc | Visa USA Inc |
| US20100250416A1 | 0.856 | DIRECTING PAYMENTS TO SATISFY PERIODIC FINANCIAL OBLIGATIONS | APPLICATION | 2010-09-30 | 2009-03-24 | 42199257 | Great | Yodlee com Inc | Yodlee com Inc |
| US8484104B1 | 0.856 | Methods and systems for automatic bill pay setup for online bill pay systems | GRANT | 2013-07-09 | 2010-04-30 | 48701497 | Great | Intuit Inc | Intuit Inc |
| US20080243650A1 | 0.855 | Service System and Method for Mobile Payment of Small Amount Using Virtual Caller Id | APPLICATION | 2008-10-02 | 2004-03-30 | 35783055 | Great | RealNetworks Asia Pacific Co Ltd | RealNetworks Asia Pacific Co Ltd |
| US7562813B2 | 0.855 | System and method for activating telephone-based payment instrument | GRANT | 2009-07-21 | 2006-05-10 | 38684179 | Great | First Data Corp | First Data Corp |
| US9038886B2 | 0.855 | Verification of portable consumer devices | GRANT | 2015-05-26 | 2009-05-15 | 43069459 | Great | Visa International Service Association | Visa International Service Association |
| US7739193B2 | 0.855 | Paying multiple payees through integration of a third-party on-line payment system with an enterprise information technology system | GRANT | 2010-06-15 | 2006-12-27 | 39585333 | Great | SAP SE | SAP SE |
| US6895391B1 | 0.855 | Method and system for secure authenticated payment on a computer network | GRANT | 2005-05-17 | 1999-11-09 | 23734921 | Great | Arcot Systems LLC | CAI Software LLC |
| US6932268B1 | 0.854 | Dual mode credit card based payment technique | GRANT | 2005-08-23 | 2003-06-30 | 34837611 | Great | Fiserv Inc | Fiserv Inc |
| US20010044764A1 | 0.854 | Accepting and processing electronic checks authorized via a public network | APPLICATION | 2001-11-22 | 2000-01-19 | 22646821 | Great | CyberSource Corp | CyberSource Corp |
| US8359003B1 | 0.853 | Alternative text billing system and method | GRANT | 2013-01-22 | 2009-12-21 | 47521770 | Great | Sprint Communications Co LP | T Mobile Innovations LLC |
| US7374079B2 | 0.853 | Method for providing banking services by use of mobile communication system | GRANT | 2008-05-20 | 2003-06-24 | 33425671 | Great | LG Uplus Corp | LG Uplus Corp |
| US20170221087A1 | 0.853 | SYSTEMS AND METHODS FOR PROVIDING COMPENSATION REBATE CASHBACK AND REWARD FOR USING MOBILE AND WEARABLE PAYMENT SERVICES DIGITAL CURRENCY NFC TOUCH PAYMENTS MOBILE DIGITAL CARD BARCODE PAYMENTS AND MULTIMEDIA HAPTIC CAPTURE BUYING | APPLICATION | 2017-08-03 | 2002-10-01 | 59385728 | Great | ||
| US8527377B2 | 0.851 | Point code to billing ID | GRANT | 2013-09-03 | 2008-12-12 | 42241684 | Great | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US20110078077A1 | 0.851 | Systems and Methods to Facilitate Online Transactions | APPLICATION | 2011-03-31 | 2009-09-29 | 43781381 | Great | Boku Inc | Boku Inc |
| US7708194B2 | 0.851 | Virtual wallet | GRANT | 2010-05-04 | 2006-08-23 | 39112440 | Great | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc, Verizon Business Financial Management Corp |
| US9582801B2 | 0.850 | Secure communication of payment information to merchants using a verification token | GRANT | 2017-02-28 | 2009-05-15 | 43379618 | Great | Visa International Service Association | Visa International Service Association |
| US8037511B1 | 0.848 | Utilizing a mobile device to operate an electronic locking mechanism | GRANT | 2011-10-11 | 2007-07-20 | 44730077 | Great | Sprint Communications Co LP | T Mobile Innovations LLC |
| US8500008B2 | 0.848 | Method and system of electronic payment transaction in particular by using contactless payment means | GRANT | 2013-08-06 | 2009-04-24 | 43011542 | Great | Logomotion sro | SMK Corp |
| US20110022515A1 | 0.848 | Mobile payment system | APPLICATION | 2011-01-27 | 2009-07-23 | 43498139 | Great | Wausau Financial Systems Inc | Wausau Financial Systems Inc |
| US20090172402A1 | 0.847 | Multi-factor authentication and certification system for electronic transactions | APPLICATION | 2009-07-02 | 2007-12-31 | 40800096 | Great | ||
| US20040122766A1 | 0.847 | Method and apparatus for paying bills online | APPLICATION | 2004-06-24 | 2002-12-20 | 32594270 | Great | Corillian Corp | Corillian Corp |
| EP1430452B1 | 0.847 | POINT-OF-SALE (POS) VOICE AUTHENTICATION TRANSACTION SYSTEM | GRANT | 2007-03-14 | 2001-06-15 | 25379849 | Great | Koninklijke Philips NV | Koninklijke Philips NV |
| US8229855B2 | 0.846 | Method and system for facilitating payment transactions using access devices | GRANT | 2012-07-24 | 2002-08-27 | 39331524 | Great | ||
| US7702579B2 | 0.846 | Interactive invoicer interface | GRANT | 2010-04-20 | 2000-12-19 | 24981472 | Great | Emergis Technologies Inc | Emergis Technologies Inc |
| US8443202B2 | 0.846 | Methods and systems for authenticating users | GRANT | 2013-05-14 | 2009-08-05 | 43535780 | Great | Daon Holdings Ltd | Daon Holdings Ltd |
| US8127999B2 | 0.846 | Wireless mobile communicator for contactless payment on account read from removable card | GRANT | 2012-03-06 | 2008-08-14 | 41669723 | Great | Visa USA Inc | Visa USA Inc |
| US20080177661A1 | 0.845 | SYSTEM AND METHODS FOR PHONE-BASED PAYMENTS | APPLICATION | 2008-07-24 | 2007-01-22 | 39642205 | Great | VOISIGN LLC | VOISIGN LLC |
| US10445723B2 | 0.844 | NFC-transaction processing systems and methods | GRANT | 2019-10-15 | 2010-04-09 | 49582099 | Great | PayPal Inc | PayPal Inc |
| US20020035539A1 | 0.843 | System and methods of validating an authorized user of a payment card and authorization of a payment card transaction | APPLICATION | 2002-03-21 | 2000-07-17 | 22815693 | Great | ||
| US8744914B2 | 0.842 | Mobile device consumer interface process and system | GRANT | 2014-06-03 | 2010-01-28 | 44309683 | Great | Bank of America Corp | Bank of America Corp |
| US8423466B2 | 0.841 | Secure authentication and payment system | GRANT | 2013-04-16 | 2006-10-25 | 37545927 | Great | Payfont Ltd | Leading Software Ltd |
| US5283829A | 0.841 | System and method for paying bills electronically | GRANT | 1994-02-01 | 1992-10-01 | 25496364 | Great | Telcordia Technologies Inc | Nytell Software LLC |
| US20100217706A1 | 0.841 | BILL PAYMENT MANAGEMENT | APPLICATION | 2010-08-26 | 2009-02-23 | 42237103 | Great | Bank of America Corp | Bank of America Corp |
| US20120089521A1 | 0.840 | METHOD AND APPARATUS FOR BILLING PURCHASES FROM A MOBILE PHONE APPLICATION | APPLICATION | 2012-04-12 | 2010-01-11 | 44305843 | Great | MOBILE MESSENGER GLOBAL Inc | MOBILE MESSENGER GLOBAL Inc |
| US20100121701A1 | 0.840 | SYSTEM AND METHOD FOR UNIQUELY IDENTIFYING POINT OF SALE DEVICES IN AN OPEN PAYMENT NETWORK | APPLICATION | 2010-05-13 | 2008-11-13 | 42166056 | Great | Visa International Service Association | Visa International Service Association |
| US20090204525A1 | 0.840 | PAYMENT DEVICE TO ISSUER COMMUNICATION VIA AUTHORIZATION REQUEST | APPLICATION | 2009-08-13 | 2008-02-13 | 40939717 | Great | Mastercard International Inc | Mastercard International Inc |
| US20110307381A1 | 0.839 | METHODS AND SYSTEMS FOR THIRD PARTY AUTHENTICATION AND FRAUD DETECTION FOR A PAYMENT TRANSACTION | APPLICATION | 2011-12-15 | 2010-06-10 | 45097004 | Great | ||
| US8265591B1 | 0.839 | Blocking subscribers defaulting payment from network access | GRANT | 2012-09-11 | 2010-02-02 | 46760710 | Great | Sprint Communications Co LP | T Mobile Innovations LLC |
| US20050125347A1 | 0.838 | Bill payment authorization system and method | APPLICATION | 2005-06-09 | 2003-12-08 | 34634112 | Great | Electronic Data Systems LLC | Hewlett Packard Enterprise Development LP, EDS |
| US9372971B2 | 0.837 | Integration of verification tokens with portable computing devices | GRANT | 2016-06-21 | 2009-05-15 | 45975895 | Great | Visa International Service Association | Visa International Service Association |
| US20100250376A1 | 0.836 | VIRTUAL TERMINAL FOR MOBILE DEVICES | APPLICATION | 2010-09-30 | 2009-03-31 | 42785416 | Great | eBay Inc | PayPal Inc |
| US20070125840A1 | 0.836 | EXTENDED ELECTRONIC WALLET MANAGEMENT | APPLICATION | 2007-06-07 | 2005-12-06 | 37888088 | Great | Boncle Inc | Boncle Inc |
| US8117124B2 | 0.835 | Transferring funds electronically | GRANT | 2012-02-14 | 2008-05-23 | 39615971 | Great | VIDICOM Ltd | Boku Inc |
| US20050222949A1 | 0.835 | Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients transaction terminal unit extended function sim card and methods for individualisation and performing transaction | APPLICATION | 2005-10-06 | 2002-02-07 | 10975796 | Great | CELLUM ZRT | ENIGMA SOFTWARE RT |
| US8140432B2 | 0.835 | Aggregated postal billing and payment methods and systems | GRANT | 2012-03-20 | 2002-12-12 | 32599694 | Great | Oracle International Corp | Oracle International Corp |
| US10262308B2 | 0.834 | Cardless challenge systems and methods | GRANT | 2019-04-16 | 2007-06-25 | 40137502 | Great | Visa USA Inc | Visa USA Inc |
| US9449313B2 | 0.834 | Customer to supplier funds transfer | GRANT | 2016-09-20 | 2008-05-23 | 39615969 | Great | Boku Inc | Boku Inc |
| US8326261B2 | 0.834 | Supplier funds reception electronically | GRANT | 2012-12-04 | 2008-05-23 | 39615967 | Great | Boku Inc | Boku Inc |
| US20060195398A1 | 0.834 | Method and apparatus for processing payment requests | APPLICATION | 2006-08-31 | 2005-02-04 | 36932974 | Great | Cashedge Inc | Cashedge Inc |
| US20100274726A1 | 0.833 | SYSTEM AND METHOD OF CONTACTLESS AUTHORIZATION OF A PAYMENT | APPLICATION | 2010-10-28 | 2008-09-19 | 41426495 | Great | Logomotion sro | SMK Corp |
| US20080046363A1 | 0.832 | Automated bill payment | APPLICATION | 2008-02-21 | 2006-08-16 | 39083023 | Great | SBC Knowledge Ventures LP | AT&T Intellectual Property I LP |
| US8494958B2 | 0.832 | Method and system to process payment using URL shortening and/or QR codes | GRANT | 2013-07-23 | 2008-06-25 | 45871619 | Great | Softerware Inc | Softerware Inc |
| US20080166998A1 | 0.831 | Method and Apparatus to Manage Mobile Payment Account Settlement | APPLICATION | 2008-07-10 | 2007-01-05 | 39594747 | Great | Macronix International Co Ltd | Macronix International Co Ltd |
| US7392223B1 | 0.831 | Electronic billing with updateable electronic bill summary | GRANT | 2008-06-24 | 1998-02-02 | 39530098 | Great | Fiserv Inc | Fiserv Inc |
| US10846683B2 | 0.831 | Integration of verification tokens with mobile communication devices | GRANT | 2020-11-24 | 2009-05-15 | 68056425 | Great | Visa International Service Association | Visa International Service Association |
| US20030022655A1 | 0.829 | System and method for implementing financial transactions using cellular telephone data | APPLICATION | 2003-01-30 | 2001-07-25 | 25435134 | Great | NCR Corp | NCR Corp |
| US7822624B2 | 0.829 | Healthcare eligibility transactions | GRANT | 2010-10-26 | 2006-07-26 | 38982314 | Great | Metavante Corp | Alegeus Technologies LLC |
| US7711621B2 | 0.829 | Method and system for facilitating payment transactions using access devices | GRANT | 2010-05-04 | 2002-08-27 | 31976365 | Great | Visa USA Inc | Visa USA Inc |
| US7302411B2 | 0.829 | Electronic Billing with required viewing of supplemental information | GRANT | 2007-11-27 | 1999-10-08 | 23642709 | Great | Fiserv Inc | Fiserv Inc, CheckFree Services Corp |
| US6438527B1 | 0.829 | Method and apparatus for paying bills electronically using machine readable information from an invoice | GRANT | 2002-08-20 | 1993-11-01 | 24077464 | Great | Visa International Service Association | Visa International Service Association |
| US7752130B2 | 0.829 | Methods and systems for delivery of information upon enrollment in an internet bill presentment and payment environment | GRANT | 2010-07-06 | 2001-05-31 | 25350189 | Great | Oracle America Inc | Oracle America Inc |
| US20100076880A1 | 0.826 | Third-Party Billing System and Method | APPLICATION | 2010-03-25 | 2000-08-28 | 24602591 | Great | Atolaire Ltd | Atolaire Ltd |
| US8285640B2 | 0.825 | System and methods for facilitating fund transfers over a network | GRANT | 2012-10-09 | 2008-07-23 | 41569509 | Great | eBay Inc | PayPal Inc |
| US8827154B2 | 0.823 | Verification of portable consumer devices | GRANT | 2014-09-09 | 2009-05-15 | 43069362 | Great | Visa International Service Association | Visa International Service Association |
| US20040167823A1 | 0.823 | Automated electronic payment system | APPLICATION | 2004-08-26 | 1997-09-08 | 33434797 | Great | BCE Emergis Technologies Inc | Emergis Technologies Inc |
| US20050137948A1 | 0.823 | SYSTEM AND METHOD FOR BILL PAYMENT | APPLICATION | 2005-06-23 | 2003-12-22 | 34552639 | Great | Pitney Bowes Inc | Pitney Bowes Inc |
| US8534564B2 | 0.821 | Integration of verification tokens with mobile communication devices | GRANT | 2013-09-17 | 2009-05-15 | 45994723 | Great | Visa International Service Association | Visa International Service Association |
| US8060916B2 | 0.821 | System and method for website authentication using a shared secret | GRANT | 2011-11-15 | 2006-11-06 | 39361034 | Great | Symantec Corp | NortonLifeLock Inc |
| US20050177517A1 | 0.821 | System and method for facilitating electronic financial transactions using a mobile telecommunication device | APPLICATION | 2005-08-11 | 2001-12-04 | 3833044 | Great | ||
| US8014756B1 | 0.819 | Mobile authorization service | GRANT | 2011-09-06 | 2007-02-28 | 44513620 | Great | Intuit Inc | Intuit Inc |
| US8116747B2 | 0.818 | Funds transfer electronically | GRANT | 2012-02-14 | 2008-05-23 | 39615968 | Great | VIDICOM Ltd | Boku Inc |
| US8285641B2 | 0.817 | System and method for selectable funding of electronic transactions | GRANT | 2012-10-09 | 2000-11-06 | 22927588 | Great | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA, Chase Bank USA NA |
| US7707120B2 | 0.817 | Mobile account authentication service | GRANT | 2010-04-27 | 2002-04-17 | 29219700 | Great | Visa International Service Association | Visa International Service Association |
| US20030191701A1 | 0.816 | Methods devices and systems for electronic bill presentment and payment | APPLICATION | 2003-10-09 | 1999-08-31 | 23526942 | Great | Oracle Corp | Oracle Corp |
| US8527410B2 | 0.815 | Control of billing in a communications system | GRANT | 2013-09-03 | 2001-02-19 | 8555894 | Great | Nokia Oyj | Nokia Technologies Oy |
| US6304860B1 | 0.813 | Automated debt payment system and method using ATM network | GRANT | 2001-10-16 | 1997-10-03 | 25479377 | Great | ||
| US7103575B1 | 0.813 | Enabling use of smart cards by consumer devices for internet commerce | GRANT | 2006-09-05 | 2000-08-31 | 24619409 | Great | International Business Machines Corp | International Business Machines Corp |
| US10380573B2 | 0.811 | Peer-to-peer financial transaction devices and methods | GRANT | 2019-08-13 | 2008-09-30 | 42058500 | Great | Apple Inc | Apple Inc |
| US6334116B1 | 0.810 | Technique for centrally tracking transactions in an electronic billing system | GRANT | 2001-12-25 | 1998-02-02 | 32660252 | Great | Fiserv Inc | Fiserv Inc |
| US6968319B1 | 0.809 | Electronic bill presentment and payment system with bill dispute capabilities | GRANT | 2005-11-22 | 1996-10-18 | 34278300 | Great | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20100042537A1 | 0.808 | ELECTRONIC BILL PAYMENT WITH VARIABLE PAYMENT OPTIONS | APPLICATION | 2010-02-18 | 2008-08-13 | 41681946 | Great | MoneyGram International Inc | MoneyGram International Inc |
| US20030177090A1 | 0.806 | System and method for automatic bill payment | APPLICATION | 2003-09-18 | 2002-03-12 | 28039067 | Great | Sharp Laboratories of America Inc | Sharp Laboratories of America Inc |
| US20040139005A1 | 0.806 | Making cashless purchases without identifying the purchase's payment account | APPLICATION | 2004-07-15 | 1999-04-26 | 23153317 | Great | Fiserv Inc | Fiserv Inc |
| EP1727085A1 | 0.806 | Cellular telephone based payment apparatus and method for use in purchase of goods and services | GRANT | 2006-11-29 | 2004-10-08 | 37025171 | Great | Cufer Asset Ltd LLC | Cufer Asset Ltd LLC |
| US7849014B2 | 0.806 | System and method for facilitating a financial transaction with a dynamically generated identifier | GRANT | 2010-12-07 | 2007-08-29 | 40408978 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US7606355B2 | 0.806 | Method and apparatus for ordering goods services and content over an internetwork | GRANT | 2009-10-20 | 1998-04-22 | 26744903 | Great | eCharge Corp | Sertintyone Corp |
| US7574405B2 | 0.806 | Apparatus and method for verifying source of funds regarding financial transactions | GRANT | 2009-08-11 | 2004-12-23 | 36612960 | Great | General Electric Capital Corp | GE Capital US Holdings Inc |
| US20080052182A1 | 0.805 | METHOD AND SYSTEM TO ACCEPT AND SETTLE TRANSACTION PAYMENTS FOR AN UNBANKED CONSUMER | APPLICATION | 2008-02-28 | 2006-08-28 | 39136511 | Great | Choicepay Inc | Pay Cash Now LLC, Choicepay Inc |
| US8121894B2 | 0.804 | Early-payment discount for e-billing system | GRANT | 2012-02-21 | 2000-03-14 | 26884910 | Great | Verizon Business Global LLC | Rakuten Inc |
| US8699779B1 | 0.804 | Systems and methods for alignment of check during mobile deposit | GRANT | 2014-04-15 | 2009-08-28 | 50441500 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7734543B2 | 0.802 | Electronic bill presentment and payment system | GRANT | 2010-06-08 | 2000-05-09 | 22752205 | Great | Metavante Corp | Metavante Corp |
| US20080270246A1 | 0.802 | Global electronic payment system | APPLICATION | 2008-10-30 | 2007-04-26 | 39888129 | Great | ||
| US20060173778A1 | 0.801 | Enterprise billing system for medical billing | APPLICATION | 2006-08-03 | 2005-02-01 | 36757819 | Great | Epic Systems Corp | Epic Systems Corp |
| US8473353B2 | 0.801 | Conducting commerce between individuals | GRANT | 2013-06-25 | 1999-02-19 | 26832990 | Great | ||
| US20070011093A1 | 0.801 | SECURE PAYMENT METHOD AND SYSTEM | APPLICATION | 2007-01-11 | 2001-05-02 | 29252429 | Great | Virtual Access Ltd | Resource Consortium Ltd |
| US8615426B2 | 0.801 | Coupon offers from multiple entities | GRANT | 2013-12-24 | 2006-12-26 | 39544256 | Great | Visa USA Inc | Visa USA Inc |
| US7584151B2 | 0.800 | Electronic purchasing method and apparatus for performing the same | GRANT | 2009-09-01 | 2001-12-07 | 26744206 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US8601602B1 | 0.800 | Enhanced multi-factor authentication | GRANT | 2013-12-03 | 2010-08-31 | 46964364 | Great | Google LLC | Google LLC |
| US20060206425A1 | 0.799 | Electronic payment system for financial institutions and companies to receive online payments | APPLICATION | 2006-09-14 | 2005-03-11 | 36972216 | Great | PAYMENTUS Corp | PAYMENTUS Corp |
| US20110251962A1 | 0.799 | Transaction method for secure electronic gift cards | APPLICATION | 2011-10-13 | 2010-04-13 | 44761633 | Great | ||
| US10289999B2 | 0.799 | System and method for secured account numbers in proximity devices | GRANT | 2019-05-14 | 2005-09-06 | 37831139 | Great | Visa USA Inc | Visa USA Inc |
| US20110047605A1 | 0.799 | System And Method For Authenticating A User To A Computer System | APPLICATION | 2011-02-24 | 2007-02-06 | 39682098 | Great | Vidoop LLC | Vidoop LLC |
| US20050250538A1 | 0.798 | Method and system for making card-based payments using mobile devices | APPLICATION | 2005-11-10 | 2004-05-07 | 35240086 | Great | July Systems LLC | Cisco Technology Inc |
| US20050222961A1 | 0.797 | System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device | APPLICATION | 2005-10-06 | 2004-04-05 | 34958863 | Great | PAYZY CORP Ltd | PAYZY Corp BV |
| US20090204522A1 | 0.796 | BAR CODED BILL PAYMENT SYSTEM AND METHOD | APPLICATION | 2009-08-13 | 2000-12-14 | 24962246 | Great | Payscan America Inc | Payscan America Inc |
| US20050278250A1 | 0.796 | Transaction processing payment system | APPLICATION | 2005-12-15 | 2004-06-10 | 35461678 | Great | ||
| US10296889B2 | 0.795 | Group peer-to-peer financial transactions | GRANT | 2019-05-21 | 2008-09-30 | 42056315 | Great | Apple Inc | Swedish Orphan Biovitrum AB, Apple Inc |
| US20090292642A1 | 0.794 | Method and system for automatically issuing digital merchant based online payment card | APPLICATION | 2009-11-26 | 2005-07-06 | 37897399 | Great | ||
| US8538874B2 | 0.794 | Pay yourself first with auto bill pay system and method | GRANT | 2013-09-17 | 2004-02-06 | 34831217 | Great | Propulsion Remote Holdings LLC | Liberty Peak Ventures LLC |
| US7949587B1 | 0.794 | Systems and methods for financial deposits by electronic message | GRANT | 2011-05-24 | 2008-10-24 | 44022297 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20100257102A1 | 0.794 | Systems And Methods For Brokered Authentication Express Seller Links | APPLICATION | 2010-10-07 | 2006-10-11 | 43922546 | Great | Visa International Service Association | Visa International Service Association |
| US10380562B1 | 0.793 | Systems and methods for mobile deposit of negotiable instruments | GRANT | 2019-08-13 | 2008-02-07 | 67543905 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7949609B2 | 0.791 | System for secure online selling buying and bill pay in an electronic commerce setting | GRANT | 2011-05-24 | 2006-01-06 | 38286710 | Great | ||
| US11004043B2 | 0.791 | Device including encrypted data for expiration date and verification value creation | GRANT | 2021-05-11 | 2009-05-20 | 43125228 | Great | Visa International Service Association | Visa International Service Association |
| US20110136468A1 | 0.791 | Devices Systems and Methods for Location Based Billing | APPLICATION | 2011-06-09 | 2009-12-07 | 44082508 | Great | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US5336870A | 0.791 | System for remote purchase payment transactions and remote bill payments | GRANT | 1994-08-09 | 1992-05-26 | 25393887 | Great | DOWLEN JOHN E | DOWLEN JOHN E |
| US20080099552A1 | 0.790 | Method and apparatus for wireless authorization | APPLICATION | 2008-05-01 | 2006-10-26 | 39328924 | Great | Mastercard International Inc | Mastercard International Inc |
| US8500006B2 | 0.790 | Gift card purchasing system | GRANT | 2013-08-06 | 2009-08-13 | 43586765 | Great | Visa International Service Association | Visa International Service Association |
| US6973671B1 | 0.789 | Secure access to a unified logon-enabled data store | GRANT | 2005-12-06 | 2000-02-24 | 24041756 | Great | International Business Machines Corp | International Business Machines Corp |
| US7587363B2 | 0.789 | System and method for optimized funding of electronic transactions | GRANT | 2009-09-08 | 2000-11-06 | 27739350 | Great | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA, Chase Bank USA NA |
| US8560410B2 | 0.789 | Mapping a mobile device location to billing regions in internet protocol multimedia subsystems | GRANT | 2013-10-15 | 2010-08-13 | 45565495 | Great | T Mobile USA Inc | T Mobile USA Inc |
| US6064987A | 0.789 | Method and apparatus for providing and processing installment plans at a terminal | GRANT | 2000-05-16 | 1997-03-21 | 27420147 | Great | Walker Digital LLC | PayPal Inc |
| US20110196791A1 | 0.789 | FRAUD REDUCTION SYSTEM FOR TRANSACTIONS | APPLICATION | 2011-08-11 | 2010-02-08 | 44354463 | Great | Visa International Service Association | Visa International Service Association |
| US20110196795A1 | 0.788 | FINANCIAL ACCOUNT AND LEDGER WEB APPLICATION AND METHOD FOR USE ON PERSONAL COMPUTERS AND INTERNET CAPABLE MOBILE DEVICES | APPLICATION | 2011-08-11 | 2010-02-05 | 44354465 | Great | ||
| US8489513B2 | 0.788 | Methods and apparatus for conducting electronic transactions | GRANT | 2013-07-16 | 1999-08-31 | 46332061 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US8725579B2 | 0.788 | Device ID and financial information | GRANT | 2014-05-13 | 2010-04-30 | 44859040 | Great | Qualcomm Inc | Qualcomm Inc |
| US6856974B1 | 0.788 | Electronic bill presentment technique with enhanced biller control | GRANT | 2005-02-15 | 1998-02-02 | 34114822 | Great | Fiserv Inc | Fiserv Inc |
| US7890358B2 | 0.787 | Accessibility insurance coverage management | GRANT | 2011-02-15 | 2002-12-12 | 32506375 | Great | International Business Machines Corp | International Business Machines Corp |
| US6857566B2 | 0.787 | Method and system for conducting transactions using a payment card with two technologies | GRANT | 2005-02-22 | 2001-12-06 | 26973192 | Great | Mastercard International Inc | Mastercard International Inc |
| US20070067239A1 | 0.787 | Method and Apparatus for Transferring Financial Information | APPLICATION | 2007-03-22 | 2005-09-19 | 37885366 | Great | Cashedge Inc | Cashedge Inc |
| US20080154757A1 | 0.787 | METHOD TO COMPETE FOR CREDIT CARD BUSINESS AT THE POINT OF SALE | APPLICATION | 2008-06-26 | 2006-12-26 | 39544274 | Great | Motorola Solutions Inc | Motorola Solutions Inc |
| US8326747B2 | 0.785 | System and method for flexible deferred payment terms | GRANT | 2012-12-04 | 2007-04-17 | 39873189 | Great | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20060085337A1 | 0.784 | Method and system for using payment cards as a payment option within an online bill payment and presentment solution | APPLICATION | 2006-04-20 | 2003-09-26 | 34393145 | Great | Mastercard International Inc | Mastercard International Inc |
| US10693531B2 | 0.783 | Secure end-to-end transport through intermediary nodes | GRANT | 2020-06-23 | 2002-01-08 | 26995056 | Great | Seven Networks Inc | Seven Networks Inc |
| US20100293065A1 | 0.783 | System and method for paying a merchant using a cellular telephone account | APPLICATION | 2010-11-18 | 2008-08-14 | 43069290 | Great | Payfone Inc | Payfone Inc |
| US20090043696A1 | 0.783 | Payment Processor Hosted Account Information | APPLICATION | 2009-02-12 | 2007-08-08 | 40347420 | Great | ELECTRONIC PAYMENT EXCHANGE | PHOENIX PAYMENT SYSTEMS Inc dba ELECTRONIC PAYMENT EXCHANGE (EPX), ELECTRONIC PAYMENT EXCHANGE |
| US20070297610A1 | 0.782 | Data protection for a mobile device | APPLICATION | 2007-12-27 | 2006-06-23 | 38873598 | Great | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20080011825A1 | 0.782 | TRANSACTIONS USING HANDHELD ELECTRONIC DEVICES BASED ON UNOBTRUSIVE PROVISIONING OF THE DEVICES | APPLICATION | 2008-01-17 | 2006-07-12 | 38924070 | Great | IBREVA Corp | IBREVA Corp |
| US8474694B2 | 0.781 | Radio frequency identification purchase transactions | GRANT | 2013-07-02 | 2005-03-23 | 40930690 | Great | E2interactive Inc | E2interactive Inc |
| US20020040355A1 | 0.781 | System and method for utility meter swipecard | APPLICATION | 2002-04-04 | 2000-10-02 | 26930503 | Great | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US9031536B2 | 0.781 | Method for mitigating the unauthorized use of a device | GRANT | 2015-05-12 | 2008-04-02 | 41133723 | Great | Yougetitback Ltd | Blancco Technology Group Ip Oy |
| US20030125969A1 | 0.781 | Method and apparatus for processing financial transactions over a paging network | APPLICATION | 2003-07-03 | 2001-12-28 | 21880187 | Great | Wireless Checking Inc | Wireless Checking Inc |
| US20010056390A1 | 0.780 | Method and system hosting of multiple billers in an internet bill presentment and payment environment | APPLICATION | 2001-12-27 | 2000-06-23 | 26908814 | Great | Netscape Communications Corp | Sun Microsystems Inc |
| US20050161502A1 | 0.780 | Remote terminal check payment with automated transmittal | APPLICATION | 2005-07-28 | 2004-01-27 | 34795557 | Great | International Business Machines Corp | Toshiba Global Commerce Solutions Holdings Corp |
| US20090240624A1 | 0.780 | RISK DETECTION AND ASSESSMENT OF CASH PAYMENT FOR ELECTRONIC PURCHASE TRANSACTIONS | APPLICATION | 2009-09-24 | 2008-03-20 | 41089843 | Great | ModaSolutions Corp | Western Union Financial Services Inc |
| US7635084B2 | 0.779 | Electronic transaction systems and methods therefor | GRANT | 2009-12-22 | 1996-12-04 | 25156177 | Great | Esignx Corp | Callahan Cellular LLC |
| US20110191196A1 | 0.779 | System for Interfacing a Client Device with a Point of Sale System | APPLICATION | 2011-08-04 | 2010-02-04 | 44342448 | Great | Atx Innovation Inc | Atx Innovation Inc |
| US9098845B2 | 0.778 | Process of selling in electronic shop accessible from the mobile communication device | GRANT | 2015-08-04 | 2008-09-19 | 44356251 | Great | Logomotion sro | SMK Corp |
| US7292840B2 | 0.778 | Method for ascertaining a billing tariff for a data transfer | GRANT | 2007-11-06 | 2003-07-31 | 33522364 | Great | Siemens AG | Redknee Inc |
| US8001045B1 | 0.777 | Account synchronization | GRANT | 2011-08-16 | 2008-07-10 | 44358636 | Great | Bank of America Corp | Bank of America Corp |
| US6977998B2 | 0.777 | Destination device billing according to call recipient | GRANT | 2005-12-20 | 2001-12-17 | 21814897 | Great | International Business Machines Corp | PayPal Inc |
| US7177830B2 | 0.777 | On-line payment system | GRANT | 2007-02-13 | 2000-09-15 | 4167151 | Great | Hyperwallet Systems Inc | PayPal Inc |
| US7970677B1 | 0.776 | Systems and methods for financial deposits by electronic message | GRANT | 2011-06-28 | 2008-10-24 | 44169475 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US8973818B2 | 0.775 | Processing transactions of different payment devices of the same issuer account | GRANT | 2015-03-10 | 2007-01-30 | 39666820 | Great | Visa USA Inc | Visa USA Inc |
| US20070083465A1 | 0.775 | Method and system using bill payment reminders | APPLICATION | 2007-04-12 | 2005-10-07 | 37911985 | Great | Visa USA Inc | Visa USA Inc |
| US7711645B2 | 0.774 | System and method for processing payments | GRANT | 2010-05-04 | 2006-12-15 | 39528719 | Great | ||
| US6910624B1 | 0.774 | Mobile communication terminal and card information reading device | GRANT | 2005-06-28 | 1999-12-10 | 26579597 | Great | NTT Docomo Inc | Google LLC |
| US20050010523A1 | 0.773 | Integrated bill presentment and payment system and method of operating the same | APPLICATION | 2005-01-13 | 2002-05-08 | 29249804 | Great | Metavante Corp | Metavante Corp |
| US8977571B1 | 0.773 | Systems and methods for image monitoring of check during mobile deposit | GRANT | 2015-03-10 | 2009-08-21 | 52597909 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20100146263A1 | 0.773 | METHOD AND SYSTEM FOR SECURE AUTHENTICATION | APPLICATION | 2010-06-10 | 2007-06-20 | 40429504 | Great | MCHEK INDIA PAYMENT SYSTEMS PVT Ltd | MCHEK INDIA PAYMENT SYSTEMS PVT Ltd |
| US20050240526A1 | 0.772 | Automated financial service system | APPLICATION | 2005-10-27 | 2004-04-26 | 35242145 | Great | PayCenters LLC | PayCenters LLC |
| US20020052841A1 | 0.772 | Electronic payment system | APPLICATION | 2002-05-02 | 2000-10-27 | 27399716 | Great | Brodia Group | Brodia Group |
| US20010051915A1 | 0.772 | Data transfer system using mobile terminal and two-dimensional barcode | APPLICATION | 2001-12-13 | 2000-03-29 | 26588748 | Great | International Business Machines Corp | Toshiba Global Commerce Solutions Holdings Corp |
| US10255591B2 | 0.771 | Payment channel returning limited use proxy dynamic value | GRANT | 2019-04-09 | 2009-12-18 | 44152455 | Great | Visa International Service Association | Visa International Service Association |
| US20140209672A1 | 0.771 | METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE | APPLICATION | 2014-07-31 | 2009-11-06 | 43974881 | Great | Mastercard International Inc | Mastercard International Inc |
| US7548886B2 | 0.771 | System and method for early detection and prevention of identity theft | GRANT | 2009-06-16 | 2003-06-12 | 33511014 | Great | International Business Machines Corp | PayPal Inc |
| US10026076B2 | 0.770 | Systems methods and computer readable media for payment and non-payment virtual card transfer between mobile devices | GRANT | 2018-07-17 | 2008-10-06 | 42076522 | Great | Mastercard International Inc | Mastercard International Inc |
| US20050033690A1 | 0.769 | System and method for digital bill presentment and payment | APPLICATION | 2005-02-10 | 1996-03-01 | 27086062 | Great | ||
| US8145188B2 | 0.769 | Method for call charge transfer between mobile communication terminals | GRANT | 2012-03-27 | 2006-02-13 | 38369265 | Great | Samsung Electronics Co Ltd | Samsung Electronics Co Ltd |
| US7296004B1 | 0.769 | Electronic bill payment system with merchant identification | GRANT | 2007-11-13 | 1997-12-19 | 25540238 | Great | Fiserv Inc | Fiserv Inc |
| US8290835B2 | 0.769 | Systems methods and apparatus for establishing payees based on cleared items posted to a financial account | GRANT | 2012-10-16 | 2009-05-28 | 43221322 | Great | Fiserv Inc | Fiserv Inc |
| US8504474B2 | 0.767 | Consolidated payment account system and method | GRANT | 2013-08-06 | 2001-06-27 | 23162921 | Great | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20070063017A1 | 0.767 | System and method for securely making payments and deposits | APPLICATION | 2007-03-22 | 2005-09-21 | 37883072 | Great | ||
| US8417635B2 | 0.767 | System method and computer program product for saving and investing through use of transaction cards | GRANT | 2013-04-09 | 2005-09-30 | 38335185 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US7437328B2 | 0.767 | Value insertion using bill pay card preassociated with biller | GRANT | 2008-10-14 | 2003-11-14 | 39313082 | Great | E2interactive Inc | E2interactive Inc |
| US7945491B2 | 0.767 | Integrated systems for electronic bill presentment and payment | GRANT | 2011-05-17 | 2000-01-12 | 22641497 | Great | Metavante Corp | Metavante Corp, Derivion Corp |
| US7708190B2 | 0.767 | Multiple options to decline authorization of payment card charges | GRANT | 2010-05-04 | 2004-03-10 | 34920161 | Great | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US7770002B2 | 0.767 | Multi-factor authentication | GRANT | 2010-08-03 | 2006-08-17 | 39102733 | Great | Fiserv Inc | Fiserv Inc |
| US20010005840A1 | 0.766 | Authentication in a telecommunications network | APPLICATION | 2001-06-28 | 1998-07-07 | 8552156 | Great | Nokia Networks Oy | Conversant Wireless Licensing SARL, 2011 Intellectual Property Asset Trust |
| US20100325045A1 | 0.766 | JSI biometric payment system | APPLICATION | 2010-12-23 | 2009-06-22 | 43355128 | Great | ||
| US7290288B2 | 0.766 | Method and system for controlling access by an authentication server to protected computer resources provided via an internet protocol network | GRANT | 2007-10-30 | 1997-06-11 | 41118015 | Great | Prism Technologies LLC | Prism Technologies LLC |
| US9652765B2 | 0.766 | System and method for implementing financial assistance programs | GRANT | 2017-05-16 | 2008-08-26 | 41721864 | Great | Visa International Service Association | Visa USA Inc, Visa International Service Association |
| US8054957B2 | 0.765 | Origin device billing according to caller | GRANT | 2011-11-08 | 2001-12-17 | 21814906 | Great | International Business Machines Corp | eBay Inc |
| US8112354B2 | 0.765 | Method and system for virtual consolidation of biller direct web sites | GRANT | 2012-02-07 | 2005-04-08 | 37084236 | Great | Billeo Inc | Paymentus Inc |
| US20060195396A1 | 0.765 | Centralized customer care for electronic payments and other transactions via a wide area communications network | APPLICATION | 2006-08-31 | 2005-02-28 | 36932972 | Great | Fiserv Inc | Fiserv Inc |
| US20040230489A1 | 0.764 | System and method for mobile payment and fulfillment of digital goods | APPLICATION | 2004-11-18 | 2002-07-26 | 33425519 | Great | Way Systems Inc | Verifone Inc |
| US20080208681A1 | 0.764 | PAYMENT USING A MOBILE DEVICE | APPLICATION | 2008-08-28 | 2006-09-28 | 39716975 | Great | Visa USA Inc | Visa USA Inc |
| US7107243B1 | 0.764 | System and method for automated bill payment service | GRANT | 2006-09-12 | 1998-08-10 | 36951919 | Great | Citibank NA | Citibank NA |
| US9542687B2 | 0.764 | Systems and methods for visual representation of offers | GRANT | 2017-01-10 | 2008-06-26 | 41445333 | Great | Visa International Service Association | Visa International Service Association |
| US6473740B2 | 0.763 | Electronic commerce using a transaction network | GRANT | 2002-10-29 | 1998-11-29 | 22745334 | Great | Qpass Inc | Amdocs Development Ltd, Amdocs Inc |
| US7155203B2 | 0.763 | Method and apparatus for billing for usage-based group communication between wireless devices | GRANT | 2006-12-26 | 2004-06-25 | 34981911 | Great | Qualcomm Inc | Qualcomm Inc |
| US7752135B2 | 0.763 | Credit authorization system and method | GRANT | 2010-07-06 | 2002-01-16 | 21946487 | Great | International Business Machines Corp | Toshiba Global Commerce Solutions Holdings Corp |
| US20100280914A1 | 0.763 | SECURITY SYSTEM AND METHOD INCLUDING ALERT MESSAGES | APPLICATION | 2010-11-04 | 2009-05-04 | 43031108 | Great | Visa International Service Association | Visa International Service Association |
| US20080097851A1 | 0.762 | METHOD OF DISTRIBUTING INFORMATION VIA MOBILE DEVICES AND ENABLING ITS USE AT A POINT OF TRANSACTION | APPLICATION | 2008-04-24 | 2006-10-17 | 39314782 | Great | Solidus Networks Inc | Solidus Networks Inc, YOU Technology LLC |
| US7917410B2 | 0.762 | Real-time accounting using wireless traffic control | GRANT | 2011-03-29 | 2001-05-15 | 23120566 | Great | Nihon Dot Com Co Ltd | ABC BULK CORP |
| US8825517B2 | 0.762 | On-line authorization in access environment | GRANT | 2014-09-02 | 2007-11-01 | 40589181 | Great | Visa USA Inc | Visa USA Inc |
| US7827115B2 | 0.761 | Online payer authentication service | GRANT | 2010-11-02 | 2000-04-24 | 22738768 | Great | Visa International Service Association | Visa International Service Association |
| US20070152035A1 | 0.760 | Method and apparatus for contactless payment authentication | APPLICATION | 2007-07-05 | 2005-12-29 | 38223348 | Great | Research in Motion Ltd | BlackBerry Ltd |
| US10083482B2 | 0.760 | Augmented reality money transfer | GRANT | 2018-09-25 | 2010-06-29 | 45353405 | Great | Western Union Co | Western Union Co |
| US20020069168A1 | 0.759 | System and method for performing personal finance management using the internet | APPLICATION | 2002-06-06 | 2000-11-23 | 19700735 | Great | International Business Machines Corp | International Business Machines Corp |
| US20110082788A1 | 0.759 | Electronic Funds Transfer | APPLICATION | 2011-04-07 | 2005-12-14 | 38140617 | Great | Navaho Networks Inc | Navaho Networks Inc |
| US20060089123A1 | 0.759 | Use of information on smartcards for authentication and encryption | APPLICATION | 2006-04-27 | 2004-10-22 | 36206780 | Great | Avago Technologies General IP Singapore Pte Ltd | Avago Technologies General IP Singapore Pte Ltd |
| US20090327133A1 | 0.759 | SECURE MECHANISM AND SYSTEM FOR PROCESSING FINANCIAL TRANSACTIONS | APPLICATION | 2009-12-31 | 2006-08-10 | 39033370 | Great | SEERGATE Ltd | SEERGATE Ltd |
| US7613656B2 | 0.759 | Coupon payment system | GRANT | 2009-11-03 | 2003-08-11 | 34193206 | Great | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US7331518B2 | 0.759 | Transaction processing systems and methods | GRANT | 2008-02-19 | 2006-04-04 | 38557355 | Great | FactorTrust Inc | Gula Consulting LLC |
| US20100306103A1 | 0.759 | System and method for waterfall prioritized payment processing | APPLICATION | 2010-12-02 | 2003-10-31 | 42669723 | Great | ||
| US7966255B2 | 0.758 | Method and apparatus for a no pre-set spending limit transaction card | GRANT | 2011-06-21 | 2002-11-01 | 32175477 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US20100042539A1 | 0.758 | Money Movement Network Hub System | APPLICATION | 2010-02-18 | 2008-08-18 | 41681947 | Great | Cashedge Inc | Cashedge Inc |
| US6173272B1 | 0.758 | Electronic funds transfer method and system and bill presentment method and system | GRANT | 2001-01-09 | 1998-04-27 | 22071154 | Great | Clearing House Service Co LLC | Clearing House Payments Co LLC |
| US8385521B2 | 0.757 | Billing for call complete calls | GRANT | 2013-02-26 | 2010-06-21 | 45328680 | Great | Kirusa Inc | Aawaaz Inc |
| US6868391B1 | 0.757 | Tele/datacommunications payment method and apparatus | GRANT | 2005-03-15 | 1997-04-15 | 27366357 | Great | Telefonaktiebolaget LM Ericsson AB | BlackBerry Ltd |
| US8510223B2 | 0.757 | Money transfer transactions via pre-paid wireless communication devices | GRANT | 2013-08-13 | 2006-08-03 | 39030433 | Great | Western Union Co | Western Union Co |
| US10699261B2 | 0.757 | System and method for remote management of sale transaction data | GRANT | 2020-06-30 | 2010-03-02 | 72336474 | Great | ShopKeep Inc | Lightspeed Commerce Usa Inc |
| US8745698B1 | 0.756 | Dynamic authentication engine | GRANT | 2014-06-03 | 2009-06-09 | 50781447 | Great | Bank of America Corp | Bank of America Corp |
| US5326959A | 0.756 | Automated customer initiated entry remittance processing system | GRANT | 1994-07-05 | 1992-08-04 | 25451935 | Great | ||
| US7752132B2 | 0.756 | Electronic payment and authentication system with debit and identification data verification and electronic check capabilities | GRANT | 2010-07-06 | 2001-02-23 | 23034422 | Great | Efunds Corp | Efunds Corp |
| US20020181710A1 | 0.755 | Mobile transaction system and method | APPLICATION | 2002-12-05 | 2000-02-27 | 11073873 | Great | ||
| US6842740B1 | 0.755 | Method for providing automatic payment when making duplicates of copyrighted material | GRANT | 2005-01-11 | 1999-12-20 | 33551406 | Great | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US20110137765A1 | 0.755 | ELECTRONIC SETTLEMENT SYSTEM ELECTRONIC SETTLEMENT SERVER MOBILE COMMUNICATIONS TERMINAL AND ELECTRONIC SETTLEMENT METHOD | APPLICATION | 2011-06-09 | 2008-06-12 | 41416455 | Great | Universal Entertainment Corp | Universal Entertainment Corp |
| US8352362B2 | 0.753 | Secure authentication and payment system | GRANT | 2013-01-08 | 2001-07-06 | 25411715 | Great | Aliaswire Inc | Aliaswire Inc |
| US20080257952A1 | 0.753 | System and Method for Conducting Commercial Transactions | APPLICATION | 2008-10-23 | 2007-04-18 | 39871226 | Great | MOBILECARD SERVICOS DE PROCESSAMENTO DE DADOS LTDA | MOBILECARD SERVICOS DE PROCESSAMENTO DE DADOS LTDA |
| US8447630B2 | 0.753 | Systems and methods for managing permissions for information ownership in the cloud | GRANT | 2013-05-21 | 2004-02-26 | 46383460 | Great | Payment Pathways Inc | Intercontinental Exchange Holdings Inc |
| US7953660B2 | 0.753 | Method and system for payment processing | GRANT | 2011-05-31 | 2000-12-28 | 46277461 | Great | CheckFree Services Corp | CheckFree Services Corp |
| US5774533A | 0.752 | Method and system for providing a billing directed communication service | GRANT | 1998-06-30 | 1996-08-14 | 24821014 | Great | BellSouth LLC | AT&T Delaware Intellectual Property Inc |
| US7707117B1 | 0.751 | Method and apparatus for communicating state information in an electronic transaction message | GRANT | 2010-04-27 | 2003-03-24 | 42112560 | Great | CyberSource Corp | CyberSource Corp |
| US7752095B1 | 0.751 | Electronic bill presentment and payment | GRANT | 2010-07-06 | 1999-06-24 | 27385564 | Great | Siebel Systems Inc | Oracle America Inc |
| US7366702B2 | 0.751 | System and method for secure network purchasing | GRANT | 2008-04-29 | 1999-07-30 | 46277715 | Great | iPass Inc | iPass Inc |
| US8452704B2 | 0.751 | Method and system for on-line payments | GRANT | 2013-05-28 | 2000-07-11 | 26911975 | Great | Citicorp Credit Services Inc | Citicorp Credit Services Inc USA |
| US20020120582A1 | 0.751 | Method for establishing an electronic commerce account | APPLICATION | 2002-08-29 | 2001-02-26 | 26776887 | Great | ONTAIN Corp | Cardant Holdings Ltd, GIVENS MR CHRISTOPHER JOHN |
| US20070027803A1 | 0.750 | System and process for remote payments and transactions in real time by mobile telephone | APPLICATION | 2007-02-01 | 2000-03-24 | 27240811 | Great | Mobipay International SA | Mobipay International SA |
| US7395241B1 | 0.750 | Consumer-directed financial transfers using automated clearinghouse networks | GRANT | 2008-07-01 | 2000-01-19 | 23934910 | Great | Intuit Inc | Intuit Inc |
| US5383113A | 0.750 | System and method for electronically providing customer services including payment of bills financial analysis and loans | GRANT | 1995-01-17 | 1991-07-25 | 24958395 | Great | Fiserv Inc | Fiserv Inc |
| US8443200B2 | 0.749 | Biometric verification for electronic transactions over the web | GRANT | 2013-05-14 | 2000-06-29 | 19749464 | Great | Karsof Systems LLC | SURESHWARA Inc |
| US20060018450A1 | 0.748 | Mobile telephone transaction system employing electronic account card | APPLICATION | 2006-01-26 | 2004-07-26 | 35657126 | Great | ||
| US20090204519A1 | 0.748 | Method and system for generating account reconciliation data | APPLICATION | 2009-08-13 | 2002-09-30 | 40939716 | Great | Canadian National Railway Co | Canadian National Railway Co |
| US9536243B2 | 0.747 | Methods systems and computer readable media for facilitating in-store or near-store ordering and payment of goods and services through a single-tap of a near field communication (NFC) device | GRANT | 2017-01-03 | 2010-06-28 | 45353408 | Great | Mastercard International Inc | Mastercard International Inc |
| US20050077349A1 | 0.747 | METHOD AND SYSTEM FOR FACILITATING A TRANSACTION USING A TRANSPONDER | APPLICATION | 2005-04-14 | 2000-03-07 | 27392272 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US20110218849A1 | 0.747 | CLOUD PLATFORM FOR MULTIPLE ACCOUNT MANAGEMENT & AUTOMATED TRANSACTION PROCESSING | APPLICATION | 2011-09-08 | 2010-03-03 | 44532104 | Great | ||
| US20020107745A1 | 0.747 | Payment system by means of a mobile device | APPLICATION | 2002-08-08 | 2001-02-06 | 8176400 | Great | Wincor Nixdorf International GmbH | Wincor Nixdorf International GmbH, WINCOR NIXDORF & Co KG GmbH |
| US8645971B2 | 0.747 | Real-time balance updates | GRANT | 2014-02-04 | 2006-12-26 | 39585952 | Great | Visa USA Inc | Visa USA Inc |
| US7627527B1 | 0.746 | System and method to provide a payment | GRANT | 2009-12-01 | 2007-10-29 | 41350959 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US8016192B2 | 0.746 | User-configurable priority list for mobile device electronic payment applications | GRANT | 2011-09-13 | 2006-06-06 | 38788947 | Great | Motorola Mobility LLC | Google Technology Holdings LLC |
| US20010014878A1 | 0.746 | TRANSACTION METHOD AND APPARATUS | APPLICATION | 2001-08-16 | 1998-11-09 | 22693804 | Great | AT&T Corp | AT&T Corp |
| US6954630B2 | 0.746 | Method for location-based billing for mobile communication | GRANT | 2005-10-11 | 2001-12-13 | 8179534 | Great | Siemens AG | Nokia Solutions and Networks GmbH and Co KG |
| US9317844B2 | 0.745 | System and method for remote management of sale transaction data | GRANT | 2016-04-19 | 2010-03-02 | 44532119 | Great | ShopKeep Inc | Lightspeed Commerce Usa Inc |
| US20060178986A1 | 0.745 | System and method for processing financial transactions using multi-payment preferences | APPLICATION | 2006-08-10 | 2000-02-17 | 33298270 | Great | ExxonMobil Research and Engineering Co | ExxonMobil Research and Engineering Co |
| US8374578B2 | 0.745 | Methods and apparatus for charging a subscriber roaming in a mobile communication network | GRANT | 2013-02-12 | 2005-06-30 | 34778406 | Great | Nokia Oyj | Nokia Technologies Oy |
| US20050256802A1 | 0.744 | Payment protocol and data transmission method and data transmission device for conducting payment transactions | APPLICATION | 2005-11-17 | 2001-11-14 | 56290355 | Great | ||
| US7769651B2 | 0.744 | Method and system of processing billing data | GRANT | 2010-08-03 | 2003-03-31 | 32990095 | Great | AT&T Intellectual Property I LP | Uber Technologies Inc |
| US7644035B1 | 0.744 | Method and apparatus for reducing fraudulent credit transactions by requiring merchant return of multi-digit authorization codes | GRANT | 2010-01-05 | 2004-05-19 | 41460420 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US20090244600A1 | 0.744 | BILLING AND REMITTANCE PAYMENT SYSTEM | APPLICATION | 2009-10-01 | 2007-11-27 | 40679220 | Great | REGULUS GROUP LLC | REGULUS GROUP LLC |
| US6609654B1 | 0.743 | Method for allowing a user to customize use of a payment card that generates a different payment card number for multiple transactions | GRANT | 2003-08-26 | 2000-05-15 | 46279780 | Great | PrivaSys Inc | PrivaSys Inc |
| US6032132A | 0.743 | Telecommunications access cost management system | GRANT | 2000-02-29 | 1998-06-12 | 22261391 | Great | CSG Systems Inc | CSG Systems Inc |
| US9189786B2 | 0.743 | Systems and methods for operating transaction terminals | GRANT | 2015-11-17 | 2010-03-31 | 44710205 | Great | Mastercard International Inc | Mastercard International Inc |
| WO2010129257A2 | 0.743 | MULTIPLE CHANNEL OPTIMIZATION FOR TRANSACTION MESSAGES | APPLICATION | 2010-11-11 | 2009-04-28 | 42992085 | Great | ||
| US5999596A | 0.743 | Method and system for controlling authorization of credit card transactions | GRANT | 1999-12-07 | 1998-03-06 | 21886817 | Great | Walker Asset Management LP | Inventor Holdings LLC |
| US5903830A | 0.742 | Transaction security apparatus and method | GRANT | 1999-05-11 | 1996-08-08 | 24787826 | Great | JOAO BOCK TRANSACTION SYSTEMS LLC | JOAO BOCK TRANSACTION SYSTEMS LLC |
| US10755268B2 | 0.742 | Apparatus and methods for payment transactions using near field communication | GRANT | 2020-08-25 | 2008-05-09 | 47278078 | Great | Verient Inc | Verient Inc |
| US20090112765A1 | 0.742 | SYSTEM AND METHOD FOR VALIDATION OF TRANSACTIONS | APPLICATION | 2009-04-30 | 2007-10-29 | 40584124 | Great | First Data Corp | First Data Corp |
| US7620383B2 | 0.742 | Client-based context-based billing for wireless networks | GRANT | 2009-11-17 | 2004-12-29 | 36612412 | Great | United States Cellular Corp | United States Cellular Corp |
| EP1591931A1 | 0.741 | Selective noticing of availability of an electronic bill based on service provider data | GRANT | 2005-11-02 | 2004-04-27 | 34924753 | Great | Fiserv Inc | Fiserv Inc |
| US8275710B1 | 0.741 | Systems and methods for automatic bill pay enrollment | GRANT | 2012-09-25 | 2008-09-30 | 46846399 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7319987B1 | 0.741 | Tokenless financial access system | GRANT | 2008-01-15 | 1996-08-29 | 38963154 | Great | Indivos Corp | INDIVOS Corp A DELAWARE CORPORATION, Open Invention Network LLC, Excel Innovations Inc |
| US7792518B2 | 0.740 | System and method to initiate a mobile data communication utilizing a trigger system | GRANT | 2010-09-07 | 2003-07-18 | 39970511 | Great | M Qube Inc | Mantis Communications LLC |
| US10992817B2 | 0.740 | Methods systems and computer readable media for selecting and delivering electronic value certificates using a mobile device | GRANT | 2021-04-27 | 2009-03-18 | 42738444 | Great | Mastercard International Inc | Mastercard International Inc |
| US8528812B2 | 0.740 | Wireless devices for storing a financial account card and methods for storing card data in a wireless device | GRANT | 2013-09-10 | 2005-09-15 | 37854060 | Great | Capital One Financial Corp | Capital One Services LLC |
| US8542921B1 | 0.740 | Systems and methods for remote deposit of negotiable instrument using brightness correction | GRANT | 2013-09-24 | 2009-07-27 | 49181515 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US10152716B2 | 0.740 | Secure electronic commerce | GRANT | 2018-12-11 | 2001-02-23 | 23032039 | Great | RIAVERA CORP | RIAVERA CORP |
| US6988657B1 | 0.740 | Wireless payment processing system | GRANT | 2006-01-24 | 2004-07-20 | 35613966 | Great | ROK MONICA LINDA | ROK MONICA LINDA |
| US8620299B2 | 0.740 | Methods systems and computer readable media for electronically delivering a prepaid card to a mobile device | GRANT | 2013-12-31 | 2008-08-12 | 41669644 | Great | Mastercard International Inc | Mastercard International Inc |
| US20020060246A1 | 0.738 | Method and apparatus for acquiring maintaining and using information to be communicated in bar code form with a mobile communications device | APPLICATION | 2002-05-23 | 2000-11-20 | 27400511 | Great | Ecrio Inc | Samsung Electronics Co Ltd |
| US20100088207A1 | 0.738 | Method and System for Linkage of Generally Available Healthcare Accounts to Credit Card | APPLICATION | 2010-04-08 | 2008-09-25 | 42076536 | Great | Mastercard International Inc | Mastercard International Inc |
| US20080015985A1 | 0.738 | SYSTEM AND PROCESS FOR EXPEDITED PAYMENT THROUGH ONLINE BANKING/PAYMENT CHANNEL | APPLICATION | 2008-01-17 | 2006-07-11 | 38950409 | Great | Wells Fargo Bank NA | Wells Fargo Bank NA |
| US20080114657A1 | 0.738 | INTERNET PAYMENT SYSTEM AND METHOD | APPLICATION | 2008-05-15 | 2002-11-01 | 46205008 | Great | ModaSolutions Corp | Western Union Financial Services Inc |
| US20080249936A1 | 0.737 | BILL PAYING SYSTEMS AND ASSOCIATED METHODS | APPLICATION | 2008-10-09 | 2007-04-04 | 39827825 | Great | PREMIER PAYMENT SERVICES LLC | PREMIER PAYMENT SERVICES LLC |
| US5815665A | 0.737 | System and method for providing trusted brokering services over a distributed network | GRANT | 1998-09-29 | 1996-04-03 | 24510468 | Great | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8538878B2 | 0.737 | Methods and systems for automated generation of bills | GRANT | 2013-09-17 | 2002-08-30 | 46261538 | Great | SAP SE | SAP SE |
| US8516255B2 | 0.736 | Methods and apparatus for peer-to-peer transfer of secure data using near field communications | GRANT | 2013-08-20 | 2010-05-10 | 44902748 | Great | Qualcomm Inc | Qualcomm Inc |
| US7707113B1 | 0.736 | Method and system for setting levels of electronic wallet security | GRANT | 2010-04-27 | 2007-09-28 | 42112559 | Great | Sprint Communications Co LP | T Mobile Innovations LLC |
| US8016185B2 | 0.736 | Money transfer service with authentication | GRANT | 2011-09-13 | 2004-07-06 | 34973071 | Great | Visa International Service Association | Visa International Service Association |
| US5616902A | 0.736 | Bill pay system and method | GRANT | 1997-04-01 | 1994-09-12 | 23175794 | Great | Lottery Enterprises Inc | E-POINT TECHNOLOGIES Inc, Lottery Enterprises Inc |
| US8150754B2 | 0.736 | Methods apparatus and computer program products for interfacing automatic bill payment systems with card issuer database systems | GRANT | 2012-04-03 | 2008-12-23 | 42267469 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US9779392B1 | 0.736 | Apparatuses methods and systems for a publishing and subscribing platform of depositing negotiable instruments | GRANT | 2017-10-03 | 2009-08-19 | 59928592 | Great | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US6145738A | 0.736 | Method and apparatus for automatic check cashing | GRANT | 2000-11-14 | 1997-02-06 | 26713625 | Great | Mr Payroll Corp | ATC Realty Fifteen Inc |
| US8332958B2 | 0.736 | Image forming system | GRANT | 2012-12-11 | 2009-01-20 | 42337887 | Great | Kyocera Document Solutions Inc | Kyocera Document Solutions Inc |
| US6144726A | 0.735 | Telecommunications access cost management system | GRANT | 2000-11-07 | 1998-06-12 | 22259069 | Great | CSG Systems Inc | CSG Systems Inc |
| US7805615B2 | 0.735 | Asymmetric cryptography with user authentication | GRANT | 2010-09-28 | 2005-07-15 | 37527067 | Great | Tyfone Inc | Tyfone Inc |
| US5655008A | 0.735 | System and method for performing a variety of transactions having distributed decision-making capability | GRANT | 1997-08-05 | 1995-06-07 | 23934284 | Great | Dart Inc | Dart Inc |
| US8615445B2 | 0.735 | Method for conducting financial transactions | GRANT | 2013-12-24 | 2002-02-05 | 46332584 | Great | Square Inc | Square Inc |
| US20110065418A1 | 0.734 | Method and System for Providing International Electronic Payment Service Using Mobile Phone Authentication | APPLICATION | 2011-03-17 | 2009-09-16 | 43731068 | Great | Danal Co Ltd | Danal Co Ltd |
| US20130030996A1 | 0.734 | SYSTEMS AND METHODS FOR BILL PAY WITH CREDIT CARD FUNDING | APPLICATION | 2013-01-31 | 2004-04-16 | 35097479 | Great | Wells Fargo Bank NA | Wells Fargo Bank NA |
| US8165635B2 | 0.734 | Methods systems and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities | GRANT | 2012-04-24 | 2006-09-01 | 42269289 | Great | Vivotech Inc | Mastercard International Inc |
| US20080162295A1 | 0.734 | METHOD AND SYSTEM FOR PAYMENT AUTHENTICATION | APPLICATION | 2008-07-03 | 2006-12-29 | 39316407 | Great | eBay Inc | PayPal Inc |
| US7991158B2 | 0.734 | Secure messaging | GRANT | 2011-08-02 | 2006-12-13 | 39969551 | Great | Tyfone Inc | Tyfone Inc |
| US7240836B2 | 0.733 | Enhanced system and method for wireless transactions | GRANT | 2007-07-10 | 2004-04-23 | 34969056 | Great | Virtual Fonlink Inc | Square Inc, Virtual Fonlink Inc |
| US20070106564A1 | 0.733 | Mobile phone as a point of sale (POS) device | APPLICATION | 2007-05-10 | 2005-11-04 | 38006152 | Great | Utiba Pte Ltd | Utiba Pte Ltd, Sinopec Shanghai Research Institute of Petrochemical Technology |
| US7765148B2 | 0.732 | Method and system for facilitating payment of an online auction transaction | GRANT | 2010-07-27 | 1999-12-30 | 37719767 | Great | First Data Corp | First Data Corp |
| US6845448B1 | 0.732 | Online repository for personal information | GRANT | 2005-01-18 | 2000-01-07 | 33563780 | Great | Pennar Software Corp | PENNER SOFTWARE Corp, Pennar Software Corp |
| US7693783B2 | 0.732 | Universal merchant platform for payment authentication | GRANT | 2010-04-06 | 2002-06-12 | 46150487 | Great | CardinalCommerce Corp | CardinalCommerce Corp |
| US20020040346A1 | 0.732 | Computer system and method for on-line generating a password protected and barcode prepaid instrument of entitlement and activating said instrument on presentation over a computer network | APPLICATION | 2002-04-04 | 2000-09-27 | 26929035 | Great | ||
| US6052671A | 0.732 | Computerized bill consolidation billing and payment authorization with remote access to the billing information | GRANT | 2000-04-18 | 1997-12-03 | 25530790 | Great | Avista Advantage Inc | Engie Insight Services Inc |
| US20010037295A1 | 0.732 | Push model internet bill presentment and payment system and method | APPLICATION | 2001-11-01 | 2000-01-31 | 25102522 | Great | BROKAT TECHNOLOGIES Inc | Metavante Corp |
| US20110208659A1 | 0.732 | METHOD AND APPARATUS FOR MAKING SECURE TRANSACTIONS USING AN INTERNET ACCESSIBLE DEVICE AND APPLICATION | APPLICATION | 2011-08-25 | 2006-08-15 | 46208762 | Great | LAST MILE Tech LLC | LAST MILE Tech LLC, Signature Systems LLC |
| US7089208B1 | 0.731 | System and method for electronically exchanging value among distributed users | GRANT | 2006-08-08 | 1999-04-30 | 27384198 | Great | PayPal Inc | PayPal Inc |
| US20100023449A1 | 0.731 | MOBILE PAYMENT ADOPTION BY ADDING A DEDICATED PAYMENT BUTTON TO MOBILE DEVICE FORM FACTORS | APPLICATION | 2010-01-28 | 2008-07-25 | 41569508 | Good | First Data Corp | First Data Corp |
| US8538871B2 | 0.731 | Method for facilitating payment of a computerized transaction | GRANT | 2013-09-17 | 2000-06-27 | 24419941 | Good | Western Union Co | Western Union Co, Western Union Financial Services Inc |
| US7080049B2 | 0.731 | Method and system for processing a transaction | GRANT | 2006-07-18 | 2001-09-21 | 25505355 | Good | PaymentOne Corp | Bin 2020 Series 550 Of Allied Security Trust I, PaymentOne Corp |
| US20030126076A1 | 0.731 | Systems and methods for secure authorization of electronic transactions | APPLICATION | 2003-07-03 | 2001-12-27 | 21873996 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US20060195395A1 | 0.730 | Facilitating electronic payment on behalf of a customer of electronic presented bills | APPLICATION | 2006-08-31 | 2005-02-28 | 36932971 | Good | Fiserv Inc | Fiserv Inc |
| US7401049B2 | 0.730 | System and method for a prepaid card issued by a foreign financial institution | GRANT | 2008-07-15 | 2001-05-29 | 23131907 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US5991749A | 0.730 | Wireless telephony for collecting tolls conducting financial transactions and authorizing other activities | GRANT | 1999-11-23 | 1996-09-11 | 26693306 | Good | 736 Partners LLC | 736 Partners LLC |
| US7630524B2 | 0.730 | Biometric identification and authentication method | GRANT | 2009-12-08 | 2000-05-16 | 4358077 | Good | Swisscom Mobile AG | Swisscom AG |
| US6289323B1 | 0.730 | System and method for completing monetary transactions by presentment of postage value to a postal authority | GRANT | 2001-09-11 | 1999-06-18 | 23312400 | Good | US Postal Service (USPS) | US Postal Service (USPS) |
| US8195566B2 | 0.729 | Web service interfaces used in providing a billing service | GRANT | 2012-06-05 | 2002-09-30 | 32000090 | Good | International Business Machines Corp | International Business Machines Corp |
| US20090292603A1 | 0.729 | Method and System for Transferring Funds | APPLICATION | 2009-11-26 | 2008-05-20 | 41340470 | Good | Regions Asset Co | Regions Bank |
| US20080082990A1 | 0.728 | APPARATUS AND METHOD FOR INTERFACING IN A COMMUNICATION SYSTEM | APPLICATION | 2008-04-03 | 2006-09-30 | 38984179 | Good | Samsung Electronics Co Ltd | Samsung Electronics Co Ltd |
| US8117077B2 | 0.728 | Method and system of online shopping via third party using blog | GRANT | 2012-02-14 | 2009-03-24 | 42785428 | Good | ||
| US8108272B2 | 0.728 | Transfer account systems computer program products and computer-implemented methods to prioritize payments from preselected bank account | GRANT | 2012-01-31 | 2007-12-21 | 40789756 | Good | Metabank | Metabank |
| US20060195397A1 | 0.728 | Centralized electronic bill presentment | APPLICATION | 2006-08-31 | 2005-02-28 | 36932973 | Good | Fiserv Inc | Fiserv Inc |
| US9858570B2 | 0.728 | Systems and methods for facilitating account verification over a network | GRANT | 2018-01-02 | 2010-01-27 | 44309694 | Good | PayPal Inc | PayPal Inc |
| US6748367B1 | 0.728 | Method and system for effecting financial transactions over a public network without submission of sensitive information | GRANT | 2004-06-08 | 1999-09-24 | 32328637 | Good | ||
| US7537153B2 | 0.727 | Method and computer program product for electronically managing payment media | GRANT | 2009-05-26 | 2004-05-03 | 36097902 | Good | De la Rue International Ltd | De la Rue International Ltd |
| US8225992B2 | 0.727 | Method and apparatus for distribution of money transfers | GRANT | 2012-07-24 | 2006-12-07 | 39499435 | Good | MoneyGram International Inc | MoneyGram International Inc |
| US20070179885A1 | 0.727 | METHOD AND SYSTEM FOR AUTHORIZING A FUNDS TRANSFER OR PAYMENT USING A PHONE NUMBER | APPLICATION | 2007-08-02 | 2006-01-30 | 38308808 | Good | CPNI Inc | CPNI Inc |
| US7286813B1 | 0.727 | Validating a transaction with user voice authentication using wireless communications | GRANT | 2007-10-23 | 2000-05-25 | 29420771 | Good | Sprint Communications Co LP | Sprint Communications Co LP |
| US7962411B1 | 0.726 | Atomic deposit transaction | GRANT | 2011-06-14 | 2008-09-30 | 44121977 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20110264586A1 | 0.726 | SYSTEM AND METHOD FOR MULTIPATH CONTACTLESS TRANSACTIONS | APPLICATION | 2011-10-27 | 2010-02-11 | 44816627 | Good | Cimbal Inc | Cimbal Inc |
| US20100078471A1 | 0.726 | System and method for processing peer-to-peer financial transactions | APPLICATION | 2010-04-01 | 2008-09-30 | 42056314 | Good | Apple Inc | Apple Inc |
| US7996310B1 | 0.726 | Electronic financial management and analysis system and related methods | GRANT | 2011-08-09 | 2000-07-19 | 42536639 | Good | Globys Inc | Globys Inc |
| US8989705B1 | 0.725 | Secure placement of centralized media controller application in mobile access terminal | GRANT | 2015-03-24 | 2009-06-18 | 52683389 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US20110145899A1 | 0.725 | Single Action Authentication via Mobile Devices | APPLICATION | 2011-06-16 | 2009-12-10 | 44144433 | Good | Verisign Inc | NortonLifeLock Inc |
| US20020103753A1 | 0.725 | Charge splitter application | APPLICATION | 2002-08-01 | 2001-01-31 | 25102449 | Good | ||
| US8407141B2 | 0.725 | System and method for processing multiple methods of payment | GRANT | 2013-03-26 | 2007-10-30 | 40584116 | Good | Visa USA Inc | Visa USA Inc |
| US20080120698A1 | 0.725 | Systems and methods for authenticating a device | APPLICATION | 2008-05-22 | 2006-11-22 | 39418416 | Good | INNOFONECOM Inc | INNOFONECOM Inc |
| US6993658B1 | 0.724 | Use of personal communication devices for user authentication | GRANT | 2006-01-31 | 2000-03-06 | 24069961 | Good | April System Design AB | DYNAPASS Inc |
| US7831521B1 | 0.724 | Method and system relating to a multi-lateral trade engine for payment transactions | GRANT | 2010-11-09 | 2005-06-21 | 38653321 | Good | Remitgate LLC | First Data Merchant Services LLC |
| US7941197B2 | 0.724 | Updating mobile devices with additional elements | GRANT | 2011-05-10 | 2007-09-12 | 40119295 | Good | Device Fidelity Inc | Device Fidelity Inc |
| US20130124406A1 | 0.723 | Electronic Bill Presentment and Payment System and Method | APPLICATION | 2013-05-16 | 2000-06-29 | 26909593 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US7693787B2 | 0.723 | System and method for account reconciliation | GRANT | 2010-04-06 | 2000-08-25 | 22856350 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US7974899B1 | 0.723 | Atomic deposit transaction | GRANT | 2011-07-05 | 2008-09-30 | 44202470 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7729283B2 | 0.723 | Method and apparatus for configuring and establishing a secure credential-based network link between a client and a service over a data-packet-network | GRANT | 2010-06-01 | 1999-06-01 | 46303616 | Good | Yodlee com Inc | Yodlee com Inc |
| US7909246B2 | 0.723 | System and method for establishment of rules governing child accounts | GRANT | 2011-03-22 | 2005-07-15 | 37669375 | Good | Serve Virtual Enterprises Inc | American Express Travel Related Services Co Inc |
| US8626137B1 | 0.723 | Providing caller identification to mobile devices | GRANT | 2014-01-07 | 2010-08-20 | 49840937 | Good | WhitePages Inc | Hiya Inc |
| US8800865B2 | 0.722 | System and method to allow access to a value holding account | GRANT | 2014-08-12 | 2008-12-03 | 42221883 | Good | eBay Inc | PayPal Inc |
| US9141951B2 | 0.722 | Electronic transaction verification system with biometric authentication | GRANT | 2015-09-22 | 2009-07-02 | 43412076 | Good | Biometric Payment Solutions LLC | Biometric Payment Solutions LLC |
| US20010037297A1 | 0.722 | Bill paying with the aid of a scanner | APPLICATION | 2001-11-01 | 2000-03-09 | 26884276 | Good | ||
| US20070241180A1 | 0.722 | Method of settling signatureless payment of bank card sales slip in mobile terminal and system therefor | APPLICATION | 2007-10-18 | 2006-04-14 | 38603907 | Good | Harex Infotech Inc | Harex Infotech Inc |
| US6128603A | 0.721 | Consumer-based system and method for managing and paying electronic billing statements | GRANT | 2000-10-03 | 1997-09-09 | 25452826 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20100114768A1 | 0.720 | Payment vehicle with on and off function | APPLICATION | 2010-05-06 | 2008-10-31 | 42132639 | Good | Wachovia Corp | Wells Fargo Bank NA |
| US7707109B2 | 0.720 | Service provider architecture and method for delivering content services to mobile communication customers | GRANT | 2010-04-27 | 2001-04-23 | 27440144 | Good | Koninklijke KPN NV | Koninklijke KPN NV |
| US7370014B1 | 0.720 | Electronic bill presentment and payment system that obtains user bill information from biller web sites | GRANT | 2008-05-06 | 2001-11-01 | 28675899 | Good | Metavante Corp | Metavante Corp |
| US7849170B1 | 0.720 | Dynamically providing communication accounts using a communication account system | GRANT | 2010-12-07 | 2000-07-31 | 24520485 | Good | Sprint Communications Co LP | Sprint Communications Co LP |
| US5649115A | 0.720 | Tracking method and apparatus | GRANT | 1997-07-15 | 1994-06-02 | 22957011 | Good | Intuit Inc | Intuit Inc |
| US7895107B2 | 0.720 | Method of interacting with printed form | GRANT | 2011-02-22 | 1999-05-25 | 27158144 | Good | Silverbrook Research Pty Ltd | Silverbrook Research Pty Ltd |
| US7292996B2 | 0.719 | Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service | GRANT | 2007-11-06 | 2000-10-06 | 26931923 | Good | Openwave Systems Inc | Unwired Planet LLC, Unwired Planet IP Manager LLC |
| US20030055738A1 | 0.719 | Method and system for effecting an electronic transaction | APPLICATION | 2003-03-20 | 2001-04-04 | 23075506 | Good | Microcell i5 Inc | Microcell i5 Inc |
| US20100114724A1 | 0.719 | BANK CARD AUTHORIZATION WITH BALANCE INDICATOR | APPLICATION | 2010-05-06 | 2008-10-30 | 42129276 | Good | Bank of America Corp | Bank of America Corp |
| US20100179907A1 | 0.719 | METHODS AND A SYSTEM FOR PROVIDING TRANSACTION RELATED INFORMATION | APPLICATION | 2010-07-15 | 2007-02-01 | 37891119 | Good | Monitise Group Ltd | Monitise Group Ltd |
| US7813943B1 | 0.719 | System and method for managing payments for health care services | GRANT | 2010-10-12 | 2006-10-06 | 42358897 | Good | Health Payment Systems Inc | Health Payment Systems Inc |
| US6529880B1 | 0.719 | Automatic payment system for a plurality of remote merchants | GRANT | 2003-03-04 | 1999-12-01 | 23796907 | Good | Intermec IP Corp | Intermec IP Corp |
| US20050222952A1 | 0.718 | System and method for real-time account validation for an on-line payment system | APPLICATION | 2005-10-06 | 2004-03-31 | 35055589 | Good | Princeton Ecom Corp | Princeton Ecom Corp |
| US8458740B2 | 0.718 | Enablement of premium content for internet video client | GRANT | 2013-06-04 | 2010-05-04 | 44902745 | Good | Sony Corp | Sony Corp |
| US20130191278A1 | 0.718 | Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network | APPLICATION | 2013-07-25 | 1999-05-03 | 48798046 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20090271265A1 | 0.718 | ELECTRONIC RECEIPT SYSTEM AND METHOD | APPLICATION | 2009-10-29 | 2008-04-28 | 41215930 | Good | Cyndigo Corp | Cyndigo Corp |
| US20110246370A1 | 0.717 | FACILITATING TRANSACTIONS USING UNSUPPORTED TRANSACTION IDENTIFIER TYPES | APPLICATION | 2011-10-06 | 2010-03-31 | 44710789 | Good | SellerBid Inc | Innovation Sciences LLC |
| US8942992B1 | 0.717 | Dynamic promotion code insertion in contactless payment transaction | GRANT | 2015-01-27 | 2010-05-20 | 52350791 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US20020077978A1 | 0.717 | Method and system for processing internet payments | APPLICATION | 2002-06-20 | 2000-06-22 | 27395866 | Good | Chase Manhattan Bank NA | JPMorgan Chase Bank NA |
| US7827108B2 | 0.717 | System and method of validating a relationship between a user and a user account at a financial institution | GRANT | 2010-11-02 | 2008-11-21 | 42197217 | Good | Visa USA Inc | Visa USA Inc |
| US7885880B1 | 0.716 | Atomic deposit transaction | GRANT | 2011-02-08 | 2008-09-30 | 43532014 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US9436955B2 | 0.715 | Methods for transferring funds using a payment service where financial account information is only entered once with a payment service and need not be re-entered for future transfers | GRANT | 2016-09-06 | 2009-06-10 | 45934948 | Good | Square Inc | Square Inc |
| US8152061B2 | 0.715 | System and method for processing closed loop cards and codes | GRANT | 2012-04-10 | 2009-02-09 | 42539593 | Good | Giftcards com LLC | GiftCodes com LLC |
| US20080109355A1 | 0.714 | METHOD AND APPARATUS FOR BILL PAYMENTS AT AN AUTOMATIC TELLER MACHINE | APPLICATION | 2008-05-08 | 2001-04-12 | 25264163 | Good | ||
| US8706630B2 | 0.714 | System and method for securely authorizing and distributing stored-value card data | GRANT | 2014-04-22 | 1999-08-19 | 34226208 | Good | E2interactive Inc | E 2 Interactive Inc, E2interactive Inc |
| US9916581B2 | 0.714 | Back end of payment system associated with financial transactions using card readers coupled to mobile devices | GRANT | 2018-03-13 | 2002-02-05 | 46065273 | Good | Square Inc | Square Inc |
| US7904354B2 | 0.714 | Web based auto bill analysis method | GRANT | 2011-03-08 | 2007-05-04 | 39940253 | Good | Validas LLC | Validas LLC |
| US20080208739A1 | 0.713 | TRANSACTIONAL SERVICES ASSOCIATED WITH MOBILE DEVICES | APPLICATION | 2008-08-28 | 2007-02-27 | 39717016 | Good | HUNTS POINT VENTURES Inc | HUNTS POINT VENTURES Inc |
| US5903881A | 0.713 | Personal online banking with integrated online statement and checkbook user interface | GRANT | 1999-05-11 | 1997-06-05 | 25353849 | Good | Intuit Inc | Intuit Inc |
| US7395243B1 | 0.713 | Technique for presenting matched billers to a consumer | GRANT | 2008-07-01 | 2002-11-01 | 39561201 | Good | Fiserv Inc | Fiserv Inc |
| US20070027816A1 | 0.713 | METHODS AND SYSTEMS FOR IMPROVED SECURITY FOR FINANCIAL TRANSACTIONS THROUGH A TRUSTED THIRD PARTY ENTITY | APPLICATION | 2007-02-01 | 2005-07-27 | 37709130 | Good | ||
| US8931691B2 | 0.713 | Dynamic payment device characteristics | GRANT | 2015-01-13 | 2007-02-15 | 39705789 | Good | Visa USA Inc | Visa USA Inc |
| US20090098854A1 | 0.712 | Method of providing billing and payment service using settlement service function of mobile electronic wallet and system therefor | APPLICATION | 2009-04-16 | 2007-10-11 | 40534731 | Good | Harex Infotech Inc | Harex Infotech Inc |
| US8271362B2 | 0.712 | Methods and apparatus for providing centralized web services for funds transfer system | GRANT | 2012-09-18 | 2009-06-22 | 43355122 | Good | Mastercard International Inc | Mastercard International Inc |
| US20100299260A1 | 0.712 | PAY YOURSELF FIRST WITH REVENUE GENERATION | APPLICATION | 2010-11-25 | 2000-11-06 | 46332439 | Good | CONSUMER AND MERCHANT AWARENESS FOUNDATION | Liberty Peak Ventures LLC |
| US9311766B2 | 0.712 | Wireless communicating radio frequency signals | GRANT | 2016-04-12 | 2007-09-12 | 40581553 | Good | Device Fidelity Inc | Device Fidelity Inc |
| US20050177518A1 | 0.710 | Electronic funds transfer and electronic bill receipt and payment system | APPLICATION | 2005-08-11 | 2004-02-10 | 34827302 | Good | ||
| US8346615B2 | 0.709 | Financial gadgets | GRANT | 2013-01-01 | 2008-11-25 | 42223679 | Good | Yodlee com Inc | Yodlee com Inc |
| US5721768A | 0.709 | Pre-paid card system and method | GRANT | 1998-02-24 | 1994-06-06 | 26943919 | Good | Call Processing Inc | Call Processing Inc |
| US20090068982A1 | 0.709 | MOBILE WALLET AND DIGITAL PAYMENT | APPLICATION | 2009-03-12 | 2007-09-10 | 40432398 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8229850B2 | 0.709 | Method and apparatus for managing transactions | GRANT | 2012-07-24 | 2000-09-20 | 24672096 | Good | Cashedge Inc | Cashedge Inc |
| US10504185B1 | 0.708 | Systems and methods for live video financial deposit | GRANT | 2019-12-10 | 2008-09-08 | 68766340 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20030014360A1 | 0.708 | Service activation by virtual prepaid card | APPLICATION | 2003-01-16 | 2000-02-09 | 8846874 | Good | France Telecom SA | Orange SA |
| US20100325048A1 | 0.708 | SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION | APPLICATION | 2010-12-23 | 2009-04-28 | 43050745 | Good | Visa International Service Association | Visa International Service Association |
| US8943322B2 | 0.708 | Systems and methods for authenticating an electronic transaction | GRANT | 2015-01-27 | 2009-10-27 | 43899376 | Good | Google LLC | Google LLC |
| US20040044601A1 | 0.708 | Batch type billing method and system by using dispersed processing | APPLICATION | 2004-03-04 | 2002-08-01 | 32685705 | Good | KTFreetel Co Ltd | KT Corp |
| US9016566B2 | 0.707 | Apparatus and method for commercial transactions using a communication device | GRANT | 2015-04-28 | 2009-02-10 | 42665995 | Good | 4361423 Canada Inc | 4361423 Canada Inc |
| US20020099663A1 | 0.706 | Content delivery system and content delivery method | APPLICATION | 2002-07-25 | 2000-11-01 | 18810146 | Good | Sony Interactive Entertainment Inc, Sony Corp | Sony Interactive Entertainment Inc, Sony Network Entertainment Platform Inc |
| US20090260064A1 | 0.706 | METHOD AND PROCESS FOR REGISTERING A DEVICE TO VERIFY TRANSACTIONS | APPLICATION | 2009-10-15 | 2008-04-15 | 41165081 | Good | PROBLEM RESOLUTION ENTERPRISE LLC | PROBLEM RESOLUTION ENTERPRISE LLC |
| US7526448B2 | 0.705 | Matching consumers with billers having bills available for electronic presentment | GRANT | 2009-04-28 | 2002-11-01 | 32175229 | Good | Fiserv Inc | CheckFree Services Corp |
| US20040187018A1 | 0.705 | Multi-factor authentication system | APPLICATION | 2004-09-23 | 2001-10-09 | 23280447 | Good | Wireless Key Identification Systems Inc | KARETEK HOLDINGS LLC |
| US10121217B2 | 0.705 | Method and apparatus for processing uncertain transaction amounts in a payment system | GRANT | 2018-11-06 | 2008-07-17 | 41531093 | Good | Mastercard International Inc | Mastercard International Inc |
| US6431439B1 | 0.705 | System and method for the electronic storage and transmission of financial transactions | GRANT | 2002-08-13 | 1997-07-24 | 26732022 | Good | Personal Solutions Corp | PERSONAL SOLUTIONS Inc, Personal Solutions Corp |
| US20100250394A1 | 0.705 | Method and system of online auction using blog | APPLICATION | 2010-09-30 | 2009-03-24 | 42785427 | Good | ||
| US7748614B2 | 0.704 | Transaction system and method | GRANT | 2010-07-06 | 2000-06-27 | 34988596 | Good | ||
| US5923756A | 0.704 | Method for providing secure remote command execution over an insecure computer network | GRANT | 1999-07-13 | 1997-02-12 | 25175817 | Good | GTE Laboratories Inc | Verizon Corporate Services Group Inc, Hanger Solutions LLC |
| US8812394B1 | 0.704 | Process and data integration of additional funds into cash handling device and reconciliation | GRANT | 2014-08-19 | 2008-11-10 | 51301796 | Good | Bank of America Corp | Bank of America Corp |
| US7818229B2 | 0.704 | Method for future payment transactions | GRANT | 2010-10-19 | 2004-10-19 | 38475611 | Good | Apollo Enterprise Solutions Inc | Konowiecki Joseph S, KONOWIECKI, JOSEPH S, Apollo Enterprise Solutions Ltd |
| US4578530A | 0.703 | End-to-end encryption system and method of operation | GRANT | 1986-03-25 | 1981-06-26 | 26958844 | Good | Visa USA Inc | Visa USA Inc |
| US7249092B2 | 0.702 | System and method for facilitating a subsidiary card account with controlled spending capability | GRANT | 2007-07-24 | 2001-05-29 | 33313372 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US7689487B1 | 0.702 | Computer-assisted funds transfer system | GRANT | 2010-03-30 | 1999-05-14 | 42027064 | Good | Amazon com Inc | Amazon Technologies Inc |
| US7437331B1 | 0.701 | Short message service (SMS) e-commerce | GRANT | 2008-10-14 | 1999-08-12 | 7918153 | Good | Vodafone Holding GmbH | Vodafone Holding GmbH |
| US5719941A | 0.701 | Method for changing passwords on a remote computer | GRANT | 1998-02-17 | 1996-01-12 | 24351586 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8458741B2 | 0.701 | Provision of TV ID to non-TV device to enable access to TV services | GRANT | 2013-06-04 | 2010-05-27 | 45023274 | Good | Sony Corp | Sony Corp |
| US20090094156A1 | 0.701 | Automated Budget Management Multiple Payment and Payment Authority Management | APPLICATION | 2009-04-09 | 2006-04-21 | 38624462 | Good | Controlabill Pty Ltd | Controlabill Pty Ltd |
| US20050038736A1 | 0.701 | System and method for transmitting track 1/track 2 formatted information via Radio Frequency | APPLICATION | 2005-02-17 | 2001-07-10 | 30119029 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US9118671B2 | 0.700 | Voice over IP based voice biometric authentication | GRANT | 2015-08-25 | 2004-07-30 | 35787802 | Good | Interactions LLC | Interactions LLC |
| US20040030659A1 | 0.700 | Transaction system and method | APPLICATION | 2004-02-12 | 2000-05-25 | 25646337 | Good | ||
| US6154879A | 0.700 | Tokenless biometric ATM access system | GRANT | 2000-11-28 | 1994-11-28 | 22926929 | Good | SmartTouch Inc | INDIVOS Corp A DELAWARE CORPORATION, Open Invention Network LLC, Excel Innovations Inc |
| US8117648B2 | 0.700 | Secure information storage and delivery system and method | GRANT | 2012-02-14 | 2008-02-08 | 40940038 | Good | Intersections Inc | Intersections Inc |
| US20140209673A1 | 0.699 | AUTOMATED OPENING OF ELECTRONIC WALLET FUNCTION IN MOBILE DEVICE | APPLICATION | 2014-07-31 | 2009-02-25 | 42631804 | Good | Mastercard International Inc | Mastercard International Inc |
| US20120310836A1 | 0.699 | LOCATION BASED AUTHENTICATION SYSTEM | APPLICATION | 2012-12-06 | 2005-07-05 | 36950500 | Good | mConfirm Ltd | mConfirm Ltd |
| US7610216B1 | 0.699 | Method and system for detecting fraud | GRANT | 2009-10-27 | 2000-07-13 | 24466227 | Good | eBay Inc | PayPal Inc |
| US7308708B2 | 0.698 | Alternate encodings of a biometric identifier | GRANT | 2007-12-11 | 2002-08-02 | 31187463 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| EP2335203A1 | 0.698 | MOBILE PERSONAL POINT-OS-SALE TERMINAL | GRANT | 2011-06-22 | 2008-08-31 | 41721809 | Good | Maxim Integrated Products Inc | Maxim Integrated Products Inc |
| USRE42154E1 | 0.698 | Parallel data network billing and collection system | GRANT | 2011-02-15 | 1995-05-24 | 23783320 | Good | Hewlett Packard Development Co LP | Qualcomm Inc |
| US5870723A | 0.697 | Tokenless biometric transaction authorization method and system | GRANT | 1999-02-09 | 1994-11-28 | 24833287 | Good | SmartTouch Inc | INDIVOS Corp A DELAWARE CORPORATION, Open Invention Network LLC, Excel Innovations Inc |
| US20040122685A1 | 0.697 | Verification system for facilitating transactions via communication networks and associated method | APPLICATION | 2004-06-24 | 2002-12-20 | 32593754 | Good | AT&T Wireless Services Inc | AT&T Mobility II LLC, AT&T Wireless Services Inc |
| US20090006254A1 | 0.697 | VIRTUAL PREPAID OR CREDIT CARD AND PROCESS AND SYSTEM FOR PROVIDING SAME AND FOR ELECTRONIC PAYMENTS | APPLICATION | 2009-01-01 | 2007-06-29 | 40076103 | Good | Voice Trust AG | Voicecash IP GmbH |
| US20070174186A1 | 0.696 | AUTHENTICATED AND DISTRIBUTED TRANSACTION PROCESSING | APPLICATION | 2007-07-26 | 2004-03-18 | 34993891 | Good | ||
| US6908030B2 | 0.695 | One-time credit card number generator and single round-trip authentication | GRANT | 2005-06-21 | 2001-10-31 | 21707872 | Good | Arcot Systems LLC | ORPHANGAGE Inc, CAI Software LLC |
| US9883381B1 | 0.695 | Providing secure access to smart card applications | GRANT | 2018-01-30 | 2007-10-02 | 61005585 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US20040204082A1 | 0.695 | Mobile financial card scanner using a wireless digital network to transmit the transaction of the purchase of goods and services | APPLICATION | 2004-10-14 | 2003-01-07 | 33130280 | Good | International Business Machines Corp | International Business Machines Corp |
| US20080275812A1 | 0.694 | CREDIT UNDERWRITING FOR MULTIPLE FINANCIAL TRANSACTIONS | APPLICATION | 2008-11-06 | 2005-06-09 | 37525231 | Good | ||
| US8352365B1 | 0.693 | System and method for electronic bill presentment using a third party | GRANT | 2013-01-08 | 2003-10-14 | 47427975 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US8359266B2 | 0.692 | Method and system for an inter-financial institution transactional network | GRANT | 2013-01-22 | 2006-10-16 | 42124925 | Good | Q2 Software Inc | Q2S SOFTWARE Inc, Q2 Software Inc |
| US20050065893A1 | 0.692 | System and Method for Commingled Remittance Payment Processing | APPLICATION | 2005-03-24 | 2003-09-19 | 34312538 | Good | Alliance Group of Texas | Alliance Group of Texas |
| US20060212407A1 | 0.692 | User authentication and secure transaction system | APPLICATION | 2006-09-21 | 2005-03-17 | 37011570 | Good | AUTHENTICOL SYSTEMS LLC | AUTHENTICOL SYSTEMS LLC |
| US9697520B2 | 0.692 | Merchant configured advertised incentives funded through statement credits | GRANT | 2017-07-04 | 2010-03-22 | 44647946 | Good | Visa USA Inc | Visa International Service Association |
| US7630926B2 | 0.692 | Inserting value into customer account at point of sale using a customer account identifier | GRANT | 2009-12-08 | 1999-08-19 | 37846145 | Good | E2interactive Inc | E2interactive Inc |
| US20080052208A1 | 0.692 | SYSTEM METHOD AND COMPUTER PROGRAM PRODUCT FOR PROCESSING PAYMENTS | APPLICATION | 2008-02-28 | 2006-08-28 | 39197846 | Good | ||
| US7761353B1 | 0.691 | Validating financial accounts | GRANT | 2010-07-20 | 2005-12-07 | 42332705 | Good | Amazon Technologies Inc | Amazon Technologies Inc |
| US20110166889A1 | 0.691 | SYSTEM AND METHOD FOR ADVERTISING REVENUE DISTRIBUTION | APPLICATION | 2011-07-07 | 2010-01-05 | 44225236 | Good | EFINEONLINE COM dba MEDPAYONLINE COM LLC | Salucro Healthcare Solutions LLC, EFINEONLINE COM dba MEDPAYONLINE COM LLC |
| US20090157792A1 | 0.691 | Content delivery to a mobile device from a content service | APPLICATION | 2009-06-18 | 2007-12-13 | 40754688 | Good | Seven Networks Inc | Seven Networks Inc |
| US20100161466A1 | 0.691 | ELECTRONIC LOCKBOX USING DIGITALLY ORIGINATED CHECKS | APPLICATION | 2010-06-24 | 2006-10-10 | 44563836 | Good | ||
| US20040098350A1 | 0.690 | Framework and system for purchasing of goods and srvices | APPLICATION | 2004-05-20 | 2002-08-08 | 32302463 | Good | Fujitsu Ltd | PCMS Holdings Inc |
| US20080110973A1 | 0.690 | SYSTEM AND METHOD OF CREDIT DATA COLLECTION AND VERIFICATION | APPLICATION | 2008-05-15 | 2006-08-30 | 39136889 | Good | PAY RENT BUILD CREDIT Inc | PAY RENT BUILD CREDIT Inc |
| US8594626B1 | 0.690 | Post-paid wireless service balance management | GRANT | 2013-11-26 | 2008-04-02 | 49596713 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US7386597B2 | 0.690 | Contents distributing method and distributing system | GRANT | 2008-06-10 | 2002-03-20 | 29228048 | Good | Hitachi Ltd | Hitachi Ltd |
| US20050027543A1 | 0.689 | Methods for purchasing of goods and services | APPLICATION | 2005-02-03 | 2002-08-08 | 34107392 | Good | Fujitsu Ltd | PCMS Holdings Inc |
| US6996542B1 | 0.689 | System and method for paying bills and other obligations including selective payor and payee controls | GRANT | 2006-02-07 | 1994-06-03 | 27400674 | Good | Worldpay LLC | Worldpay LLC |
| US20090132418A1 | 0.689 | ELECTRONIC PAYMENT PROCESSING SYSTEM | APPLICATION | 2009-05-21 | 2006-12-19 | 39528726 | Good | Datacap Systems Inc | Datacap Systems Inc |
| US20100049642A1 | 0.689 | ONLINE BILLPAY ATTACHMENTS | APPLICATION | 2010-02-25 | 2008-08-19 | 41697245 | Good | Bank of America Corp | Bank of America Corp |
| US8737983B2 | 0.689 | Method connection and data carrier to perform repeated operations on the key-board of mobile communication device | GRANT | 2014-05-27 | 2008-03-25 | 40786494 | Good | Logomotion sro | SMK Corp |
| US8516562B2 | 0.688 | Multi-channel multi-factor authentication | GRANT | 2013-08-20 | 2008-05-13 | 45065526 | Good | Veritrix Inc | Samsung Electronics Co Ltd |
| US9305314B2 | 0.688 | Methods of transmitting information to mobile devices using cost effective card readers | GRANT | 2016-04-05 | 2002-02-05 | 45972114 | Good | Square Inc | Square Inc, Mindtribe Product Engineering Inc |
| US20020186845A1 | 0.688 | Method and apparatus for remotely disabling and enabling access to secure transaction functions of a mobile terminal | APPLICATION | 2002-12-12 | 2001-06-11 | 25372092 | Good | Ericsson Inc | Ericsson Inc |
| EP0869652A2 | 0.687 | Document delivery system | GRANT | 1998-10-07 | 1997-04-01 | 27125312 | Good | Tumbleweed Software Corp | Tumbleweed Software Corp |
| US20090265552A1 | 0.687 | SYSTEMS AND METHODS FOR SECURE SHORT MESSAGING SERVICE AND MULTIMEDIA MESSAGING SERVICE | APPLICATION | 2009-10-22 | 2008-03-28 | 40718675 | Good | Celltrust Corp | Celltrust Corp |
| US20020120861A1 | 0.686 | Electronic settlement system allowing for network-based electronic settlement | APPLICATION | 2002-08-29 | 2001-02-20 | 26609773 | Good | Sony Interactive Entertainment Inc | Sony Interactive Entertainment Inc |
| US20040107170A1 | 0.686 | Apparatuses for purchasing of goods and services | APPLICATION | 2004-06-03 | 2002-08-08 | 32396885 | Good | Fujitsu Ltd | PCMS Holdings Inc |
| US8244612B2 | 0.686 | Inserting value into customer account at point of sale using a customer account identifier | GRANT | 2012-08-14 | 2001-09-24 | 26984406 | Good | E2interactive Inc | E2interactive Inc |
| US8417644B2 | 0.686 | Method and system for network transaction management | GRANT | 2013-04-09 | 1999-06-01 | 46303608 | Good | Yodlee com Inc | Yodlee com Inc |
| EP1447962A1 | 0.686 | Method and System for providing additional services free of charge in a telecommunication network | GRANT | 2004-08-18 | 2003-02-12 | 32668965 | Good | Siemens AG | Siemens AG |
| US6598031B1 | 0.686 | Apparatus and method for routing encrypted transaction card identifying data through a public telephone network | GRANT | 2003-07-22 | 2000-07-31 | 24519289 | Good | EDI Secure LLLP | IP VAULT LLC, EDI Secure LLLP |
| US6880751B2 | 0.686 | Automatic transaction apparatus and method of issuing a coupon using the same | GRANT | 2005-04-19 | 2002-11-18 | 32290245 | Good | Fujitsu Ltd, Fujitsu Frontech Ltd | Fujitsu Ltd, Fujitsu Frontech Ltd |
| US10956728B1 | 0.685 | Systems and methods of check processing with background removal | GRANT | 2021-03-23 | 2009-03-04 | 74882536 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20110246361A1 | 0.685 | METHOD AND APPARATUS FOR FACILITATING PURCHASE TRANSACTIONS ACROSS A NETWORK | APPLICATION | 2011-10-06 | 2000-04-27 | 40973476 | Good | ||
| WO1998004996A1 | 0.685 | TOKENLESS BIOMETRIC TRANSACTION AUTHORIZATION SYSTEM | APPLICATION | 1998-02-05 | 1996-07-25 | 24759573 | Good | ||
| US5850446A | 0.685 | System method and article of manufacture for virtual point of sale processing utilizing an extensible flexible architecture | GRANT | 1998-12-15 | 1996-06-17 | 24667599 | Good | Verifone Inc | Hewlett Packard Enterprise Development LP |
| US6612488B2 | 0.684 | Method and system to prevent fraudulent payment in credit/debit card transactions and terminals therefor | GRANT | 2003-09-02 | 2001-03-14 | 18929251 | Good | Hitachi Ltd | Maxell Ltd |
| US7587368B2 | 0.684 | Information record infrastructure system and method | GRANT | 2009-09-08 | 2000-07-06 | 26910771 | Good | RPX Corp | RPX Corp |
| US5684965A | 0.684 | Automated billing consolidation system and method | GRANT | 1997-11-04 | 1992-10-22 | 25509167 | Good | American Express Travel Related Services Co Inc | Benhov GmbH LLC, Liberty Peak Ventures LLC |
| US7620602B2 | 0.684 | System and method for secure third-party development and hosting within a financial services network | GRANT | 2009-11-17 | 2000-01-21 | 26873158 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8915447B2 | 0.684 | Amplifying radio frequency signals | GRANT | 2014-12-23 | 2007-09-12 | 41818350 | Good | Device Fidelity Inc | Device Fidelity Inc |
| US20110218863A1 | 0.684 | METHOD AND SYSTEM FOR AUTOMATICALLY CHARGING ADVERTISEMENT FEES | APPLICATION | 2011-09-08 | 2008-08-28 | 41722144 | Good | NHN Business Platform Corp | Naver Corp |
| US20080077527A1 | 0.683 | Method and System for a Purchase Transaction at a Remote Merchant Machine | APPLICATION | 2008-03-27 | 2006-09-21 | 39226236 | Good | MOBILEKASH Inc | MOBILEKASH Inc |
| US20100268557A1 | 0.683 | ENROLLMENT SERVER | APPLICATION | 2010-10-21 | 2009-04-17 | 42981682 | Good | Visa International Service Association | Visa International Service Association |
| US9286635B2 | 0.683 | Method of transmitting information from efficient communication protocol card readers to mobile devices | GRANT | 2016-03-15 | 2002-02-05 | 46046903 | Good | Square Inc | Square Inc, Mindtribe Product Engineering Inc |
| US8195567B2 | 0.683 | Methods and systems for providing scanned mail delivery channel and automatic payment of reply mail | GRANT | 2012-06-05 | 2005-11-08 | 38023949 | Good | US Postal Service (USPS) | US Postal Service (USPS) |
| US7729984B1 | 0.683 | Effecting financial transactions | GRANT | 2010-06-01 | 2002-09-27 | 42200279 | Good | Abas Enterprises LLC | A3 Society LLC |
| US20080133351A1 | 0.683 | METHOD AND APPARATUS FOR REWARD MESSAGING DISCOUNTING AND REDEMPTION AT THE POINT OF INTERACTION | APPLICATION | 2008-06-05 | 2006-10-24 | 39325400 | Good | Mastercard International Inc | Mastercard International Inc |
| US20040019539A1 | 0.683 | Prepaid billing system for wireless data networks | APPLICATION | 2004-01-29 | 2002-07-25 | 30773659 | Good | 3Com Corp | UTStarcom Inc |
| US20040127256A1 | 0.683 | Mobile device equipped with a contactless smart card reader/writer | APPLICATION | 2004-07-01 | 2002-07-30 | 31188608 | Good | Way Systems Inc | Verifone Inc |
| US6021943A | 0.682 | Process for executing payment transactions | GRANT | 2000-02-08 | 1996-10-09 | 26703165 | Good | Hanger Solutions LLC | Mineral Lassen LLC |
| US9582795B2 | 0.682 | Methods of transmitting information from efficient encryption card readers to mobile devices | GRANT | 2017-02-28 | 2002-02-05 | 58056054 | Good | Square Inc | Square Inc |
| US7665657B2 | 0.682 | Bank transaction method linking accounts via common accounts | GRANT | 2010-02-23 | 2003-12-18 | 36693355 | Good | ||
| US8959033B1 | 0.682 | Systems and methods for verification of remotely deposited checks | GRANT | 2015-02-17 | 2007-03-15 | 52463696 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US9015074B2 | 0.682 | Device and method for facilitating financial transactions | GRANT | 2015-04-21 | 2008-02-01 | 47362759 | Good | Mazooma Technical Services Inc | Mazooma Technical Services Inc |
| EP1028401A2 | 0.681 | Method and system for performing a bankcard transaction | GRANT | 2000-08-16 | 1999-02-12 | 26817734 | Good | Citibank NA | Citibank NA |
| US20040049454A1 | 0.681 | Electronic money settlement method using mobile communication terminal | APPLICATION | 2004-03-11 | 2001-03-13 | 11737117 | Good | Fujitsu Ltd | Fujitsu Ltd |
| EP0698987A2 | 0.680 | Telephony accounts method | GRANT | 1996-02-28 | 1994-08-19 | 25584251 | Good | Alcatel Lucent NV | Alcatel Lucent NV |
| US9004351B2 | 0.679 | Electronic transaction security system and method | GRANT | 2015-04-14 | 2008-10-13 | 42097994 | Good | Miri Systems LLC | Miri Systems LLC |
| US20020065772A1 | 0.678 | System method and program for network user access | APPLICATION | 2002-05-30 | 1998-06-08 | 22241891 | Good | Microsoft Technology Licensing LLC | Microsoft Technology Licensing LLC |
| US20110270754A1 | 0.678 | METHOD FOR AUTHENTICATING FINANCIAL INSTRUMENTS AND FINANCIAL TRANSACTION REQUESTS | APPLICATION | 2011-11-03 | 2010-04-28 | 44859069 | Good | ING Direct FSB | Capital One Financial Corp, Capital One Services LLC |
| US8070057B2 | 0.678 | Switching between internal and external antennas | GRANT | 2011-12-06 | 2007-09-12 | 41581458 | Good | Device Fidelity Inc | Device Fidelity Inc |
| US20040225609A1 | 0.678 | Electronic bill presentation and payment system | APPLICATION | 2004-11-11 | 2003-03-13 | 33029899 | Good | PI-COM LLC | PI-COM LLC |
| US9262757B2 | 0.677 | Method of transmitting information from a card reader with a power supply and wake-up circuit to a mobile device | GRANT | 2016-02-16 | 2002-02-05 | 45972115 | Good | Square Inc | Square Inc, Mindtribe Product Engineering Inc |
| US5809143A | 0.677 | Secure keyboard | GRANT | 1998-09-15 | 1995-12-12 | 24281992 | Good | STURIALE VICKI | STURIALE VICKI |
| US8781449B2 | 0.677 | Method and system for distributing data to mobile devices | GRANT | 2014-07-15 | 2003-09-11 | 29226931 | Good | Apple Inc | Apple Inc |
| US20060217996A1 | 0.677 | Point-of-sale activation of media device account | APPLICATION | 2006-09-28 | 2005-03-23 | 36217385 | Good | E2interactive Inc | E2interactive Inc |
| WO2003081519A2 | 0.677 | PORTABLE ELECTRONIC AUTHORIZATION SYSTEM AND METHOD | APPLICATION | 2003-10-02 | 2002-03-19 | 28457128 | Good | ||
| US6636973B1 | 0.677 | Secure and dynamic biometrics-based token generation for access control and authentication | GRANT | 2003-10-21 | 1998-09-08 | 28791085 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US20100114773A1 | 0.676 | Systems Methods And Apparatus For Using A Contactless Transaction Device Reader With A Computing System | APPLICATION | 2010-05-06 | 2008-10-31 | 42132640 | Good | First Data Corp | First Data Corp |
| US20070130618A1 | 0.676 | Human-factors authentication | APPLICATION | 2007-06-07 | 2005-09-28 | 37136959 | Good | ||
| US20040133509A1 | 0.676 | Technique for making payments for a non-subscriber payor | APPLICATION | 2004-07-08 | 2002-11-01 | 32680652 | Good | Fiserv Inc | Fiserv Inc |
| US9098958B2 | 0.676 | Convergent communications platform and method for mobile and electronic commerce in a heterogeneous network environment | GRANT | 2015-08-04 | 1998-09-15 | 46204185 | Good | U-PAID SYSTEMS Ltd | Upaid Systems Ltd |
| US9495676B2 | 0.676 | Method of transmitting information from a power efficient card to a mobile device | GRANT | 2016-11-15 | 2002-02-05 | 46063406 | Good | Square Inc | Square Inc, Mindtribe Product Engineering Inc |
| US8452689B1 | 0.676 | Systems and methods of check detection | GRANT | 2013-05-28 | 2009-02-18 | 48445417 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US9010646B2 | 0.675 | Optical contact loaded magnetic card | GRANT | 2015-04-21 | 2010-04-01 | 45353417 | Good | COIN Inc | Fitbit Inc |
| US20130013509A1 | 0.675 | METHOD AND SYSTEM FOR PROCESSING MICROPAYMENT TRANSACTIONS | APPLICATION | 2013-01-10 | 2006-10-11 | 39283630 | Good | Visa International Service Association | Visa International Service Association |
| US20090247122A1 | 0.675 | SYSTEM FOR MONITORING THE UNAUTHORIZED USE OF A DEVICE | APPLICATION | 2009-10-01 | 2008-04-01 | 41066656 | Good | Yougetitback Ltd | Blancco Technology Group Ip Oy |
| US9495675B2 | 0.674 | Small card reader configured to be coupled to a mobile device | GRANT | 2016-11-15 | 2002-02-05 | 46046905 | Good | Square Inc | Square Inc |
| WO2000051052A1 | 0.674 | STORED VALUE ELECTRONIC CERTIFICATE PROCESSING | APPLICATION | 2000-08-31 | 1999-02-25 | 22399738 | Good | ||
| US8483473B2 | 0.674 | Systems and methods for obtaining financial offers using mobile image capture | GRANT | 2013-07-09 | 2008-01-18 | 47743785 | Good | Mitek Systems Inc | Mitek Systems Inc |
| US7552467B2 | 0.674 | Security systems for protecting an asset | GRANT | 2009-06-23 | 2006-04-24 | 38620975 | Good | ||
| US20100223184A1 | 0.674 | Sponsored Accounts For Computer-Implemented Payment System | APPLICATION | 2010-09-02 | 2006-10-11 | 43922547 | Good | Visa International Service Association | Visa International Service Association |
| US8422758B1 | 0.674 | Systems and methods of check re-presentment deterrent | GRANT | 2013-04-16 | 2008-09-02 | 48049201 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US6327578B1 | 0.673 | Four-party credit/debit payment protocol | GRANT | 2001-12-04 | 1998-12-29 | 22829750 | Good | International Business Machines Corp | International Business Machines Corp, PayPal Inc |
| US8155622B1 | 0.673 | Systems and methods for providing wireless telecommunications access to authorized wireless service subscribers | GRANT | 2012-04-10 | 2007-05-02 | 45922158 | Good | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US7263497B1 | 0.673 | Secure online music distribution system | GRANT | 2007-08-28 | 1998-02-06 | 38433215 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20070187492A1 | 0.673 | System and Method For Authorizing Stored Value Card Transactions | APPLICATION | 2007-08-16 | 1999-08-19 | 38367355 | Good | E2interactive Inc | E2interactive Inc |
| US20090156170A1 | 0.673 | METHODS AND SYSTEMS FOR TRANSMITTING VIDEO MESSAGES TO MOBILE COMMUNICATION DEVICES | APPLICATION | 2009-06-18 | 2007-12-12 | 40753921 | Good | Mogreet Inc | RAMROD LICENSING LLC |
| US20110078762A1 | 0.673 | MOBILE OR USER DEVICE AUTHENTICATION AND TRACKING | APPLICATION | 2011-03-31 | 2009-09-29 | 43781809 | Good | eBay Inc | PayPal Inc |
| US7072856B1 | 0.673 | Communication enhancement means | GRANT | 2006-07-04 | 2000-01-18 | 36613864 | Good | ||
| US20030217000A1 | 0.672 | System and method for collecting information via the internet using existing web sites | APPLICATION | 2003-11-20 | 2002-05-17 | 29419315 | Good | ||
| US7769697B2 | 0.672 | Method for validating an electronic payment by a credit/debit card | GRANT | 2010-08-03 | 2000-07-13 | 8174244 | Good | International Business Machines Corp | PayPal Inc |
| US20100049643A1 | 0.672 | ONLINE BILLPAY MEMO DATA | APPLICATION | 2010-02-25 | 2008-08-19 | 41697246 | Good | Bank of America Corp | Bank of America Corp |
| US20110264543A1 | 0.672 | REVERSE PAYMENT FLOW | APPLICATION | 2011-10-27 | 2010-04-26 | 44816599 | Good | eBay Inc | PayPal Inc |
| US20100036769A1 | 0.672 | ACCOUNT HOLDER DEMAND ACCOUNT UPDATE | APPLICATION | 2010-02-11 | 2008-08-05 | 41653809 | Good | Visa USA Inc | Visa USA Inc |
| US9224142B2 | 0.672 | Card reader with power efficient architecture that includes a power supply and a wake up circuit | GRANT | 2015-12-29 | 2002-02-05 | 46063405 | Good | Square Inc | Square Inc, Mindtribe Product Engineering Inc |
| US20030204752A1 | 0.672 | System and method for securely accessing a database from a remote location | APPLICATION | 2003-10-30 | 2001-08-13 | 29251471 | Good | Liberty Peak Ventures LLC | Callahan Cellular LLC |
| US20140122331A1 | 0.671 | System and Method for Providing a Security Code | APPLICATION | 2014-05-01 | 2010-01-08 | 50548291 | Good | Blackhawk Network Inc | Blackhawk Network Inc |
| US8452709B2 | 0.671 | Methods and systems for verifying customer supplied financial account information using debit and credit transactions | GRANT | 2013-05-28 | 2008-06-24 | 41432238 | Good | HSBC Tech Inc | HSBC Technology and Services USA Inc, HSBC Technologies Inc |
| US20100131396A1 | 0.671 | Bill Payment Methods | APPLICATION | 2010-05-27 | 2006-10-17 | 42197210 | Good | ||
| US20030195859A1 | 0.671 | System and methods for authenticating and monitoring transactions | APPLICATION | 2003-10-16 | 2002-04-16 | 28790861 | Good | ||
| US20110191209A1 | 0.671 | Method and System for Conditional Transactions | APPLICATION | 2011-08-04 | 2005-01-26 | 44342458 | Good | 2B Wireless Inc | 2B WIRELESS dba MSHOPPER, 2B Wireless Inc |
| EP1261192A1 | 0.670 | Payment method for telephone calls on a prepaid and credit limit basis | GRANT | 2002-11-27 | 2001-05-14 | 8177423 | Good | FASTBEAT COM Ltd | FASTBEAT COM Ltd |
| US9262777B2 | 0.670 | Card reader with power efficient architecture that includes a wake-up circuit | GRANT | 2016-02-16 | 2002-02-05 | 46125951 | Good | Square Inc | Square Inc, Mindtribe Product Engineering Inc |
| US8205081B2 | 0.670 | Systems and methods for verifying the authenticity of a remote device | GRANT | 2012-06-19 | 2007-06-09 | 40363916 | Good | Apple Inc | Apple Inc |
| US20020138422A1 | 0.669 | Electronic commerce contracts mediating method and mobile communication network | APPLICATION | 2002-09-26 | 1999-12-10 | 18422884 | Good | NTT Docomo Inc | Google LLC |
| US6487540B1 | 0.669 | Methods and systems for electronic receipt transmission and management | GRANT | 2002-11-26 | 2000-07-25 | 24504761 | Good | In2M Corp | Finicity Corp |
| EP1320214A1 | 0.668 | Unified account management for data network access | GRANT | 2003-06-18 | 2001-12-12 | 8183619 | Good | Markport Ltd | Markport Ltd |
| US4734858A | 0.668 | Data terminal and system for placing orders | GRANT | 1988-03-29 | 1983-12-05 | 24229021 | Good | PORTEL SERVICES NETWORK Inc | CREST MANAGEMENT Inc |
| US7403602B2 | 0.668 | Internet-based message delivery with PSTN billing | GRANT | 2008-07-22 | 2001-08-15 | 25458680 | Good | AT&T Delaware Intellectual Property Inc | AT&T Delaware Intellectual Property Inc |
| US20050187882A1 | 0.667 | Electronic payment schemes in a mobile environment for short-range transactions | APPLICATION | 2005-08-25 | 2004-02-25 | 34861551 | Good | Nokia Oyj | Nokia Technologies Oy |
| US20080201212A1 | 0.667 | SMART SIGN MOBILE TRANSIT FARE PAYMENT | APPLICATION | 2008-08-21 | 2006-09-28 | 39707458 | Good | Visa USA Inc | Visa USA Inc |
| US7848500B2 | 0.667 | Method and apparatus to validate a subscriber line | GRANT | 2010-12-07 | 2001-08-23 | 26919296 | Good | PaymentOne Corp | Bin 2020 Series 550 Of Allied Security Trust I, PaymentOne Corp |
| US8374962B2 | 0.667 | Stored value payouts | GRANT | 2013-02-12 | 2001-10-26 | 21944647 | Good | First Data Corp, Western Union Co | First Data Corp, Western Union Co |
| US8533118B2 | 0.667 | Online challenge-response | GRANT | 2013-09-10 | 2008-11-06 | 42132643 | Good | Visa International Service Association | Visa International Service Association |
| US20040029570A1 | 0.667 | Method and apparatus for electronic payment through mobile communication devices | APPLICATION | 2004-02-12 | 2002-01-08 | 8185740 | Good | Alcatel SA | Alcatel SA |
| US9004354B1 | 0.667 | Machine-readable code rendering device and methods for using the same | GRANT | 2015-04-14 | 2008-03-31 | 52782102 | Good | Amazon Technologies Inc | Amazon Technologies Inc |
| US8364959B2 | 0.667 | Systems and methods for using a domain-specific security sandbox to facilitate secure transactions | GRANT | 2013-01-29 | 2010-05-26 | 45004818 | Good | Google LLC | Google LLC |
| US20050091159A1 | 0.666 | Bill handling apparatus | APPLICATION | 2005-04-28 | 2003-10-28 | 34510284 | Good | Hitachi Omron Terminal Solutions Corp | Hitachi Omron Terminal Solutions Corp |
| US20120036065A1 | 0.666 | Enhanced Electronic Data and Metadata Interchange System and Process for Electronic Billing and Payment System | APPLICATION | 2012-02-09 | 2008-01-31 | 45556844 | Good | Bill com Inc | Bill com Inc |
| US7581112B2 | 0.666 | Identifying fraudulent activities and the perpetrators thereof | GRANT | 2009-08-25 | 2004-12-30 | 36654876 | Good | eBay Inc | PayPal Inc |
| US7543739B2 | 0.666 | Automated payment card fraud detection and location | GRANT | 2009-06-09 | 2003-12-17 | 46324284 | Good | Qsecure Inc | Fitbit Inc |
| US8225383B1 | 0.666 | Method and system for user-initiated account activation | GRANT | 2012-07-17 | 2009-02-20 | 46465633 | Good | Intuit Inc | Intuit Inc |
| US8571188B2 | 0.665 | Method and device for secure phone banking | GRANT | 2013-10-29 | 2006-12-15 | 39415221 | Good | Qualcomm Inc | Qualcomm Inc |
| US9679286B2 | 0.665 | Methods and apparatus for enabling secure network-based transactions | GRANT | 2017-06-13 | 2005-09-20 | 37885739 | Good | OHVA Inc | OHVA Inc |
| US8073773B2 | 0.665 | Technique for identifying probable billers of a consumer | GRANT | 2011-12-06 | 2002-11-01 | 33298250 | Good | Fiserv Inc | CheckFree Services Corp |
| US7983979B2 | 0.664 | Method and system for managing account information | GRANT | 2011-07-19 | 2005-03-10 | 36992244 | Good | Debix One Inc | Debix One Inc |
| US9014349B2 | 0.664 | Media instant messaging for mobile device | GRANT | 2015-04-21 | 2007-01-19 | 39642321 | Good | Synchronica PLC | Synchronica PLC |
| US6804720B1 | 0.664 | Mobile internet access | GRANT | 2004-10-12 | 2000-06-07 | 33098389 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US4771461A | 0.664 | Initialization of cryptographic variables in an EFT/POS network with a large number of terminals | GRANT | 1988-09-13 | 1986-06-27 | 25374880 | Good | International Business Machines Corp | International Business Machines Corp |
| US6434379B1 | 0.664 | Method for dynamic management of a prepaid terminal subscription | GRANT | 2002-08-13 | 1997-06-10 | 9507803 | Good | France Telecom SA | Orange SA |
| US20020046185A1 | 0.662 | System and method conducting POS transactions | APPLICATION | 2002-04-18 | 2000-08-30 | 26923145 | Good | Hewlett Packard Co | Hewlett Packard Development Co LP |
| US20070282743A1 | 0.662 | Electronic Transaction Apparatus and Method | APPLICATION | 2007-12-06 | 2006-05-23 | 38724103 | Good | Mastercard International Inc | Mastercard International Inc |
| US6871063B1 | 0.662 | Method and apparatus for controlling access to a computer system | GRANT | 2005-03-22 | 2000-06-30 | 34273197 | Good | Intel Corp | Intel Corp |
| US20060165060A1 | 0.662 | Method and apparatus for managing credentials through a wireless network | APPLICATION | 2006-07-27 | 2005-01-21 | 36696675 | Good | Samsung Electronics Co Ltd | Samsung Electronics Co Ltd |
| US6032859A | 0.661 | Method for processing debit purchase transactions using a counter-top terminal system | GRANT | 2000-03-07 | 1996-09-18 | 27362503 | Good | New View Tech Inc | CARD ACTIVATION TECHNOLOGIES Inc, MEDCOM USA Inc |
| US9324100B2 | 0.661 | Card reader with asymmetric spring | GRANT | 2016-04-26 | 2002-02-05 | 46379875 | Good | Square Inc | Square Inc |
| US20090024533A1 | 0.661 | Payment systems and methods | APPLICATION | 2009-01-22 | 2006-09-05 | 39157771 | Good | Mobibucks Corp | QUISK INC |
| US8498613B2 | 0.661 | Method and system for location-dependent billing for services | GRANT | 2013-07-30 | 2006-02-06 | 36604218 | Good | Swisscom AG | Swisscom AG |
| US20100082445A1 | 0.660 | Smart menu options | APPLICATION | 2010-04-01 | 2008-09-30 | 41449897 | Good | Apple Inc | Apple Inc |
| US6421768B1 | 0.660 | Method and system for authentication and single sign on using cryptographically assured cookies in a distributed computer environment | GRANT | 2002-07-16 | 1999-05-04 | 23180718 | Good | First Data Corp | RELIANCE DATA LP |
| US20060122932A1 | 0.660 | Efficient and incentivized enrollment in an automatic payment program for recurring bills | APPLICATION | 2006-06-08 | 2004-12-01 | 36565650 | Good | Discover Financial Services Inc | DFS Services LLC |
| US5500513A | 0.660 | Automated purchasing control system | GRANT | 1996-03-19 | 1994-05-11 | 22909270 | Good | Visa International Service Association | Visa International Service Association |
| US8555066B2 | 0.660 | Systems and methods for controlling access to encrypted data stored on a mobile device | GRANT | 2013-10-08 | 2008-07-02 | 41465259 | Good | Veritrix Inc | Samsung Electronics Co Ltd |
| US20110004921A1 | 0.660 | PERSONALIZED SECURITY MANAGEMENT | APPLICATION | 2011-01-06 | 2009-07-01 | 43413326 | Good | Fiserv Inc | Fiserv Inc |
| US6314425B1 | 0.660 | Apparatus and methods for use of access tokens in an internet document management system | GRANT | 2001-11-06 | 1999-04-07 | 23105590 | Good | Critical Path Inc | Microsoft Technology Licensing LLC, Critical Path Inc |
| US8430300B2 | 0.660 | Using validity events to control the use of coupons containing barcodes in mobile devices that display the barcodes for reading by barcode readers | GRANT | 2013-04-30 | 2005-05-26 | 38603914 | Good | CodeBroker LLC | CodeBroker LLC |
| US5978780A | 0.659 | Integrated bill consolidation payment aggregation and settlement system | GRANT | 1999-11-02 | 1997-11-21 | 25523862 | Good | PayPal Inc | PayPal Inc |
| US20080162350A1 | 0.659 | ELECTRONIC PURCHASING AND FUNDS TRANSFER SYSTEMS AND METHODS | APPLICATION | 2008-07-03 | 2000-02-29 | 24054592 | Good | First Data Corp, Western Union Co | First Data Corp, Western Union Co |
| US6765470B2 | 0.658 | Mobile electronic apparatus having function of verifying a user by biometrics information | GRANT | 2004-07-20 | 2000-02-24 | 18569730 | Good | Fujitsu Ltd | Fujitsu Ltd |
| US7945252B2 | 0.658 | Customer service messaging such as on mobile devices | GRANT | 2011-05-17 | 2004-07-15 | 35600124 | Good | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US7635083B2 | 0.658 | System and method for utilizing a mobile device to obtain a balance on a financial transaction instrument | GRANT | 2009-12-22 | 2005-09-20 | 38427175 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US6788772B2 | 0.658 | System and method for controlling outgoing telephone calls | GRANT | 2004-09-07 | 2001-03-07 | 26956265 | Good | OL Security LLC | OL Security LLC |
| US20020062249A1 | 0.657 | System and method for an automated benefit recognition acquisition value exchange and transaction settlement system using multivariable linear and nonlinear modeling | APPLICATION | 2002-05-23 | 2000-11-17 | 27400240 | Good | ||
| US8117123B1 | 0.657 | Local storage and presentation of self-help information | GRANT | 2012-02-14 | 2009-01-06 | 45561564 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US7933834B2 | 0.657 | Interactive bill payment center | GRANT | 2011-04-26 | 1998-12-08 | 25137062 | Good | Yodlee com Inc | Yodlee com Inc |
| US8348155B2 | 0.656 | All in one card | GRANT | 2013-01-08 | 2007-09-21 | 40468141 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| WO2003017636A1 | 0.656 | METHOD OF CONNECTING TO A DATA OR TELE NET WITH A SUBSCRIPTION THAT INCLUDES AT LEAST TWO DIFFERENT PAYMENT CATEGORIES | APPLICATION | 2003-02-27 | 2001-08-14 | 20285020 | Good | ||
| US8688579B1 | 0.656 | Automatic remote deposit image preparation apparatuses methods and systems | GRANT | 2014-04-01 | 2010-06-08 | 50348960 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7920851B2 | 0.656 | Secure mobile information management system and method | GRANT | 2011-04-05 | 2006-05-25 | 38779231 | Good | Celltrust Corp | Celltrust Corp |
| US7653187B2 | 0.656 | Method and system for presenting billing information according to a customer-defined hierarchal structure | GRANT | 2010-01-26 | 2002-01-08 | 21901167 | Good | Pacific Telesis Shared Services, Southwestern Bell Communications Services Inc, AT&T Services Inc | Pacific Telesis Shared Services, Southwestern Bell Communications Services Inc, AT&T Services Inc |
| US20070100749A1 | 0.656 | Online bill payment management and projected account balances | APPLICATION | 2007-05-03 | 2005-10-28 | 37997729 | Good | Intuit Inc | Intuit Inc |
| US20070198432A1 | 0.656 | TRANSACTIONAL SERVICES | APPLICATION | 2007-08-23 | 2001-01-19 | 37943389 | Good | Mastercard Mobile Transaction Solutions Inc | Mastercard Mobile Transaction Solutions Inc |
| US5708422A | 0.656 | Transaction authorization and alert system | GRANT | 1998-01-13 | 1995-05-31 | 23810820 | Good | AT&T Corp | AT&T Corp |
| US6934691B1 | 0.656 | System and method for managing mail/bills through a central location | GRANT | 2005-08-23 | 1999-02-09 | 22933710 | Good | Metavante Corp | Metavante Corp |
| US8086219B2 | 0.656 | Multiple access internet portal revenue sharing | GRANT | 2011-12-27 | 2003-05-08 | 33416543 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US20110184863A1 | 0.656 | SMART ON-LINE FILING SYSTEM | APPLICATION | 2011-07-28 | 2010-01-28 | 44309704 | Good | Brite Bill Ltd | Brite Bill Ltd |
| US7653600B2 | 0.655 | Automated document cashing system | GRANT | 2010-01-26 | 1997-05-30 | 34138148 | Good | Capital Security Systems Inc | Utilx Corp, Anderson and Associates LLC, Capital Security Systems Inc |
| US9324088B2 | 0.655 | Systems and methods to provide messages in real-time with transaction processing | GRANT | 2016-04-26 | 2010-06-04 | 45065203 | Good | Visa International Service Association | Visa International Service Association |
| US7885637B2 | 0.655 | Billing in mobile communications system employing wireless application protocol | GRANT | 2011-02-08 | 2000-03-14 | 26160976 | Good | Data Advisors LLC | Intellectual Ventures I LLC |
| US20060258331A1 | 0.655 | Network billing | APPLICATION | 2006-11-16 | 2005-05-03 | 34942593 | Good | Hewlett Packard Development Co LP | Hewlett Packard Enterprise Development LP |
| US7274928B2 | 0.655 | Portable cellular phone system having automatic initialization | GRANT | 2007-09-25 | 1998-10-02 | 39152347 | Good | Telespree Communications | EVOLVING SYSTEMS LABS Inc |
| US20100275010A1 | 0.655 | Method of Authentication of Users in Data Processing Systems | APPLICATION | 2010-10-28 | 2007-10-30 | 39721916 | Good | Telecom Italia SpA | Telecom Italia SpA |
| US8306861B2 | 0.654 | Pay at the table system | GRANT | 2012-11-06 | 2000-10-05 | 40029552 | Good | Toshiba Global Commerce Solutions Holdings Corp | Toshiba TEC Corp, Toshiba Global Commerce Solutions Holdings Corp |
| US7529698B2 | 0.654 | Apparatus and method for providing transaction history information account history information and/or charge-back information | GRANT | 2009-05-05 | 2001-01-16 | 26722354 | Good | Caselas LLC | Caselas LLC |
| US6167251A | 0.654 | Keyless portable cellular phone system having remote voice recognition | GRANT | 2000-12-26 | 1998-10-02 | 26799792 | Good | Telespree Communications | EVOLVING SYSTEMS LABS Inc, MICROTALK Corp |
| US20140058950A1 | 0.654 | SYSTEMS METHODS AND DEVICES FOR COMBINED CREDIT CARD AND STORED VALUE TRANSACTION ACCOUNTS | APPLICATION | 2014-02-27 | 2004-09-08 | 36037003 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US8002175B2 | 0.653 | System and method for utilizing a highly secure two-dimensional matrix code on a mobile communications display | GRANT | 2011-08-23 | 2004-12-31 | 36639247 | Good | Veritec Inc | Veritec Inc |
| US9972021B2 | 0.653 | Systems and methods to rank and select triggers for real-time offers | GRANT | 2018-05-15 | 2010-08-06 | 45560087 | Good | Visa International Service Association | Visa International Service Association |
| US20090076950A1 | 0.653 | Universal Network-Based Deposit Management Service | APPLICATION | 2009-03-19 | 2007-09-18 | 40455597 | Good | Yodlee com Inc | Yodlee com Inc |
| US8646051B2 | 0.653 | Automated password reset via an interactive voice response system | GRANT | 2014-02-04 | 2004-09-10 | 36035470 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US7184530B2 | 0.653 | Prepaid billing support for simultaneous communication sessions in data networks | GRANT | 2007-02-27 | 2002-07-25 | 30773660 | Good | UTStarcom Inc | UTStarcom Inc |
| US20120066119A1 | 0.652 | METHOD AND SYSTEM FOR ACCESSING WIRELESS ACCOUNT INFORMATION | APPLICATION | 2012-03-15 | 2007-10-23 | 44245627 | Good | GoTV Networks Inc | GoTV Networks Inc |
| US8261970B2 | 0.651 | Wireless payment system having long range crediting and short range payment approval | GRANT | 2012-09-11 | 2007-04-11 | 39875176 | Good | ||
| US20020143674A1 | 0.651 | Invoice distribution method and apparatus | APPLICATION | 2002-10-03 | 2001-03-29 | 25233158 | Good | Hewlett Packard Co | Hewlett Packard Development Co LP |
| US20110047606A1 | 0.651 | Method And System For Storing And Using A Plurality Of Passwords | APPLICATION | 2011-02-24 | 2007-09-17 | 40468741 | Good | ||
| US8015085B2 | 0.650 | System for distributing funds | GRANT | 2011-09-06 | 2003-11-14 | 34623136 | Good | First Data Corp, Western Union Co | First Data Corp, Western Union Co |
| US8781903B1 | 0.650 | Handheld order unit and cash handling device | GRANT | 2014-07-15 | 2008-10-20 | 44647991 | Good | Bank of America Corp | Bank of America Corp |
| US20110112919A1 | 0.650 | GIFT-CARD AND ONLINE PAYMENT SYSTEM | APPLICATION | 2011-05-12 | 2009-10-14 | 43974882 | Good | Retail Royalty Co | Retail Royalty Co |
| US20070038563A1 | 0.650 | Systems and methods for managing buildings and finances | APPLICATION | 2007-02-15 | 2005-08-15 | 37743720 | Good | ||
| US8521657B2 | 0.649 | Systems and methods for capturing mail for electronic bill presentment | GRANT | 2013-08-27 | 2001-04-03 | 23074397 | Good | US Postal Service (USPS) | US Postal Service (USPS) |
| US20040143546A1 | 0.649 | Easy user activation of electronic commerce services | APPLICATION | 2004-07-22 | 2002-11-01 | 32710703 | Good | Fiserv Inc | Fiserv Inc |
| EP1301887A1 | 0.649 | A SYSTEM AND METHOD FOR DIRECTORY SERVICES AND E-COMMERCE ACROSS MULTI-PROVIDER NETWORKS | GRANT | 2003-04-16 | 2000-07-14 | 27559100 | Good | Context Connect Inc | CCI FINANCE LLC, Context Connect LLC, Context Connect Inc |
| US20050036611A1 | 0.649 | Method and system for secure authentication | APPLICATION | 2005-02-17 | 2003-03-31 | 33159662 | Good | Visa USA Inc | Visa USA Inc |
| US8988186B1 | 0.648 | Self-service device user asset condition alert | GRANT | 2015-03-24 | 2010-04-15 | 52683309 | Good | Bank of America Corp | Bank of America Corp |
| US9898778B1 | 0.648 | Systems and methods for obtaining an image of a check to be deposited | GRANT | 2018-02-20 | 2007-10-23 | 61189013 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20090106150A1 | 0.648 | UNIFIED IDENTITY VERIFICATION | APPLICATION | 2009-04-23 | 2007-10-19 | 40564444 | Good | eBay Inc | PayPal Inc |
| US7899750B1 | 0.647 | Goal orientated computing system implemented financial management using projected balances | GRANT | 2011-03-01 | 2006-10-31 | 43617381 | Good | Intuit Inc | Intuit Inc |
| US6543686B1 | 0.647 | Identification card and billing process with an identification card | GRANT | 2003-04-08 | 1998-02-16 | 4185417 | Good | Swisscom AG | Swisscom AG |
| US9892454B1 | 0.647 | Systems and methods for obtaining an image of a check to be deposited | GRANT | 2018-02-13 | 2007-10-23 | 61147978 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20020046055A1 | 0.647 | Biometric verification system and method for internet services | APPLICATION | 2002-04-18 | 2000-09-05 | 22864270 | Good | Mediacom net LLC | Mediacom net LLC |
| US20090300668A1 | 0.647 | OPEN CABLE APPLICATION PLATFORM (OCAP) AND SET-TOP BOX (STB)-BASED BILL NOTIFICATION AND PAYMENT APPLICATION | APPLICATION | 2009-12-03 | 2008-03-18 | 41064593 | Good | Avaya Technology LLC | Avaya Inc |
| US8423452B1 | 0.647 | Systems and methods for scheduling and tracking bank account activity | GRANT | 2013-04-16 | 2008-02-08 | 47682931 | Good | PNC Financial Services Group Inc | PNC Financial Services Group Inc |
| US8400970B2 | 0.647 | System and method for securing a personalized indicium assigned to a mobile communications device | GRANT | 2013-03-19 | 2004-11-24 | 36461561 | Good | Research in Motion Ltd | BlackBerry Ltd |
| US7236950B2 | 0.646 | Method and system of combined billing of multiple accounts on a single statement | GRANT | 2007-06-26 | 1998-10-29 | 22665215 | Good | Universal Card Services Corp | Universal Card Services Corp |
| US8536976B2 | 0.646 | Single-channel multi-factor authentication | GRANT | 2013-09-17 | 2008-06-11 | 41414211 | Good | Veritrix Inc | Samsung Electronics Co Ltd |
| US8010674B2 | 0.646 | Learning and community-based web aggregation techniques | GRANT | 2011-08-30 | 2008-03-31 | 41118747 | Good | Intuit Inc | Intuit Inc |
| US20100063893A1 | 0.646 | METHOD OF AND SYSTEM FOR SECURE ON-LINE PURCHASES | APPLICATION | 2010-03-11 | 2008-09-11 | 41800062 | Good | Palm Inc | Hewlett Packard Development Co LP |
| US6725381B1 | 0.646 | Solicited authentication of a specific user | GRANT | 2004-04-20 | 1999-08-31 | 23529894 | Good | Tumbleweed Communications Corp | AXWAY Inc |
| US20050055296A1 | 0.646 | Method and system for underwriting and servicing financial accounts | APPLICATION | 2005-03-10 | 2003-09-08 | 34226554 | Good | ||
| US10395462B2 | 0.646 | Authentication arrangement and method for use with financial transactions | GRANT | 2019-08-27 | 2002-02-28 | 9931909 | Good | Mastercard International Inc | Mastercard International Inc |
| US20020059139A1 | 0.645 | SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION | APPLICATION | 2002-05-16 | 1999-03-12 | 23020348 | Good | ||
| US8032930B2 | 0.644 | Segregating anonymous access to dynamic content on a web server with cached logons | GRANT | 2011-10-04 | 2008-10-17 | 41402909 | Good | Intuit Inc | Intuit Inc |
| US20080235105A1 | 0.643 | SYSTEM AND METHOD FOR PROVIDING AN APPLICATION-SPECIFIC USER INTERFACE ON A PERSONAL COMMUNICATION DEVICE FOR CONDUCTING TRANSACTIONS WITH RETAIL DEVICES | APPLICATION | 2008-09-25 | 2007-03-23 | 39775692 | Good | Gilbarco Inc | Gilbarco Inc |
| US20030115142A1 | 0.643 | Identity authentication portfolio system | APPLICATION | 2003-06-19 | 2001-12-12 | 21784794 | Good | Intel Corp | Intel Corp |
| US20130324188A1 | 0.643 | ENHANCED INFORMATION SERVICES USING DEVICES IN SHORT-RANGE WIRELESS NETWORKS | APPLICATION | 2013-12-05 | 2009-07-21 | 43497774 | Good | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US6078806A | 0.643 | Method for using applications in a mobile station a mobile station and a system for effecting payments | GRANT | 2000-06-20 | 1995-02-15 | 8542862 | Good | Nokia Mobile Phones Ltd | Nokia Technologies Oy |
| US7580884B2 | 0.643 | Collecting and aggregating creditworthiness data | GRANT | 2009-08-25 | 2001-06-25 | 25399588 | Good | Intuit Inc | Intuit Inc |
| US20090288012A1 | 0.642 | Secured Electronic Transaction System | APPLICATION | 2009-11-19 | 2008-05-18 | 40848593 | Good | Zetawire Inc | Google LLC |
| US8121947B1 | 0.642 | Methods and systems for electronic transfer of financial accounts between financial institutions | GRANT | 2012-02-21 | 2006-10-10 | 45572092 | Good | United Services Automobile Association USAA | Clickswitch Holdings Inc |
| US9304555B2 | 0.642 | Magnetically coupling radio frequency antennas | GRANT | 2016-04-05 | 2007-09-12 | 44121182 | Good | Device Fidelity Inc | Device Fidelity Inc |
| US7945511B2 | 0.642 | Methods and systems for identity authentication | GRANT | 2011-05-17 | 2004-02-26 | 46326486 | Good | Payment Pathways Inc | Intercontinental Exchange Holdings Inc |
| US20100100945A1 | 0.641 | USER AUTHENTICATION MANAGEMENT | APPLICATION | 2010-04-22 | 2008-10-20 | 42109674 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8145189B2 | 0.641 | Technique for securely communicating information | GRANT | 2012-03-27 | 2007-06-27 | 40161765 | Good | Intuit Inc | Intuit Inc |
| US20070239493A1 | 0.640 | Benefit plan intermediary | APPLICATION | 2007-10-11 | 2006-04-10 | 38576572 | Good | Accenture Global Services GmbH | Accenture Global Services Ltd |
| US8364711B2 | 0.639 | Contact management system and method | GRANT | 2013-01-29 | 2006-05-09 | 39715939 | Good | SyncUp Corp | SyncUp Corp |
| US20040133515A1 | 0.638 | Distributed matching of consumers with billers having bills available for electronic presentment | APPLICATION | 2004-07-08 | 2002-11-01 | 32680655 | Good | Fiserv Inc | Fiserv Inc |
| US6516190B1 | 0.638 | Method and apparatus for calculating call charge rates in a mobile telecommunication system | GRANT | 2003-02-04 | 1997-06-17 | 8549072 | Good | Sonera Oy | Hanger Solutions LLC |
| US20030229590A1 | 0.637 | Global integrated payment system | APPLICATION | 2003-12-11 | 2001-12-12 | 23328389 | Good | Paradata Systems Inc | Payment Processing Inc |
| US20060169766A1 | 0.636 | System and method for managing and processing stored-value cards and bill payment therefrom | APPLICATION | 2006-08-03 | 2004-02-25 | 34864115 | Good | Payment Data Systems Inc | S Aqua Semiconductor LLC |
| US20100223160A1 | 0.636 | Money Management Network | APPLICATION | 2010-09-02 | 2001-10-16 | 42667646 | Good | ||
| US8170931B2 | 0.636 | Configuring user-customized services for networked devices | GRANT | 2012-05-01 | 2008-10-28 | 42040624 | Good | Dell Products LP | Dell Products LP |
| US20040267646A1 | 0.635 | Billing system with authenticated wireless device transaction event data | APPLICATION | 2004-12-30 | 2003-06-30 | 33541147 | Good | Qualcomm Inc | Qualcomm Inc |
| US20070053306A1 | 0.635 | Location based rules architecture systems and methods | APPLICATION | 2007-03-08 | 2005-09-02 | 37829952 | Good | Qwest Communications International Inc | Qwest Communications International Inc |
| US7020645B2 | 0.635 | Systems and methods for state-less authentication | GRANT | 2006-03-28 | 2001-04-19 | 25280036 | Good | eOriginal Inc | Callahan Cellular LLC |
| US20080270304A1 | 0.635 | FUNDS TRANSFER SYSTEM AND METHOD | APPLICATION | 2008-10-30 | 2000-06-27 | 46206185 | Good | ||
| US7689932B2 | 0.635 | Maintenance of shortcut keys in a mobile device | GRANT | 2010-03-30 | 2004-12-28 | 36613250 | Good | Nokia Oyj | Nokia Technologies Oy |
| US7895445B1 | 0.634 | Token-based remote data access | GRANT | 2011-02-22 | 2001-04-26 | 43597205 | Good | Nokia Oyj | Nokia Technologies Oy |
| US8069213B2 | 0.634 | Method of controlling access to network resources using information in electronic mail messages | GRANT | 2011-11-29 | 2006-04-05 | 42797858 | Good | IronPort Systems Inc | Cisco IronPort Systems Inc |
| US9841282B2 | 0.633 | Successive offer communications with an offer recipient | GRANT | 2017-12-12 | 2009-07-27 | 43498084 | Good | Visa USA Inc | Visa USA Inc |
| US20090216640A1 | 0.633 | NON-CASH TRANSACTION INCENTIVE AND COMMISSION DISTRIBUTION SYSTEM | APPLICATION | 2009-08-27 | 1997-08-15 | 40999234 | Good | ||
| US20060286962A1 | 0.633 | System and method for providing communication services and intervening when necessary to provide service | APPLICATION | 2006-12-21 | 2005-01-19 | 36577577 | Good | Evercom Systems Inc | Evercom Systems Inc |
| US7599522B2 | 0.633 | Information access method using biometrics authentication and information processing system using biometrics authentication | GRANT | 2009-10-06 | 2005-08-19 | 37767379 | Good | Fujitsu Ltd | Fujitsu Ltd |
| US20090254476A1 | 0.633 | METHOD AND SYSTEM FOR MANAGING PERSONAL AND FINANCIAL INFORMATION | APPLICATION | 2009-10-08 | 2008-04-04 | 41134149 | Good | QUICKRECEIPT SOLUTIONS Inc | QUICKRECEIPT SOLUTIONS Inc |
| US20090248583A1 | 0.632 | DEVICE SYSTEM AND METHOD FOR SECURE ONLINE TRANSACTIONS | APPLICATION | 2009-10-01 | 2008-03-31 | 41118593 | Good | Intel Corp | Intel Corp |
| US6856975B1 | 0.632 | System method and article of manufacture for secure transactions utilizing a computer network | GRANT | 2005-02-15 | 2000-03-30 | 24154401 | Good | Verify and Protect Inc | Proudit Technologies Inc |
| US7337468B2 | 0.632 | Methods apparatuses and systems facilitating seamless virtual integration of online membership models and services | GRANT | 2008-02-26 | 2003-02-13 | 32869612 | Good | TrueLink Inc | Transunion Interactive Inc |
| US20050116026A1 | 0.632 | Portable electronic authorization system and method | APPLICATION | 2005-06-02 | 1999-09-28 | 27496242 | Good | Chameleon Network Inc | Kioba Processing LLC, Gula Consulting LLC |
| US5173935A | 0.632 | METHOD SYSTEM AND APPARATUS FOR TELEPRINTING | GRANT | 1992-12-22 | 1988-03-31 | 11163408 | Good | Industria Grafica Meschi SRL | Industria Grafica Meschi SRL |
| US20030220876A1 | 0.632 | Portable electronic authorization system and method | APPLICATION | 2003-11-27 | 1999-09-28 | 29554617 | Good | Chameleon Network Inc | Kioba Processing LLC |
| US20040133514A1 | 0.631 | Selective noticing of availability of an electronic bill based on service provider data | APPLICATION | 2004-07-08 | 2002-11-01 | 32680654 | Good | Fiserv Inc | Fiserv Inc |
| US20050085931A1 | 0.631 | Online ATM transaction with digital certificate | APPLICATION | 2005-04-21 | 2000-08-31 | 22861074 | Good | ATMDIRECT | Accullink Inc |
| US6956833B1 | 0.630 | Method system and devices for wireless data storage on a server and data retrieval | GRANT | 2005-10-18 | 2000-02-08 | 34987650 | Good | Sony Corp, Sony Corp of America | Sony Corp, Sony Corp of America, Sony Electronics Inc |
| US20070250441A1 | 0.630 | SYSTEMS AND METHODS FOR DETERMINING REGULATIONS GOVERNING FINANCIAL TRANSACTIONS CONDUCTED OVER A NETWORK | APPLICATION | 2007-10-25 | 2006-04-25 | 40892127 | Good | UC Group Ltd | BAKER TILLY, Trust Payments Ltd |
| US20090228966A1 | 0.630 | Authentication Method for Wireless Transactions | APPLICATION | 2009-09-10 | 2006-05-18 | 38723533 | Good | Fronde Anywhere Ltd | Fronde Anywhere Ltd |
| US20040133513A1 | 0.629 | Identity protection technique in matching consumers with electronic billers | APPLICATION | 2004-07-08 | 2002-11-01 | 32680653 | Good | Fiserv Inc | Fiserv Inc |
| US9160849B1 | 0.629 | System method and computer-readable medium that facilitate voice biometrics user authentication | GRANT | 2015-10-13 | 2009-08-07 | 49776142 | Good | West Corp | West Corp |
| US7690032B1 | 0.629 | Method and system for confirming the identity of a user | GRANT | 2010-03-30 | 2009-05-22 | 42044733 | Good | Daon Holdings Ltd | Daon Holdings Ltd |
| US20080184351A1 | 0.628 | SYSTEM AND METHOD FOR AUTHENTICATING A PERSON'S IDENTITY USING A TRUSTED ENTITY | APPLICATION | 2008-07-31 | 2006-05-16 | 39669489 | Good | TransactionSecure LLC | Samantha Inventions, SAMANTHA INVENTIONS LLC |
| US6385595B1 | 0.628 | Electronic statement presentment system | GRANT | 2002-05-07 | 1996-10-09 | 21841555 | Good | Visa International Service Association | Visa International Service Association |
| US20090192935A1 | 0.627 | ONE STEP NEAR FIELD COMMUNICATION TRANSACTIONS | APPLICATION | 2009-07-30 | 2008-01-30 | 40899729 | Good | eBay Inc | PayPal Inc |
| US20050216955A1 | 0.627 | Security attack detection and defense | APPLICATION | 2005-09-29 | 2004-03-25 | 34991709 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8818874B2 | 0.627 | System and method to authenticate products | GRANT | 2014-08-26 | 2008-12-08 | 42232137 | Good | TRUSTEDCOM LLC | TRUSTEDCOM LLC |
| US7441263B1 | 0.627 | System method and computer program product for providing unified authentication services for online applications | GRANT | 2008-10-21 | 2000-03-23 | 39855728 | Good | Citibank NA | Citibank NA, BioNetrix Systems Corp |
| US6748426B1 | 0.626 | System and method for linking information in a global computer network | GRANT | 2004-06-08 | 2000-06-15 | 24385686 | Good | Murex Securities Ltd | Murex Securities Ltd, Neustar Information Services Inc |
| US20090164371A1 | 0.626 | Mobile Financial Transaction Method | APPLICATION | 2009-06-25 | 2007-11-20 | 40789767 | Good | M Commerce Data Systems Inc | M Commerce Data Systems Inc |
| US5845260A | 0.626 | System and method for parent-controlled charging for on-line services | GRANT | 1998-12-01 | 1995-02-06 | 11956168 | Good | Sony Corp | Sony Corp |
| US20120317005A1 | 0.626 | System and Method for Prepay Account Management System | APPLICATION | 2012-12-13 | 2006-03-23 | 38581727 | Good | Exceleron Software Inc | EXCELERON SOFTWARE LLC |
| US6532450B1 | 0.626 | Financial management system including an offset payment process | GRANT | 2003-03-11 | 1998-12-09 | 22771565 | Good | American Management Systems Inc | CGI Technologies and Solutions Inc |
| US7386511B2 | 0.626 | Methods and systems for processing financial instrument deposits | GRANT | 2008-06-10 | 2000-04-28 | 32684801 | Good | NETDEPOSIT Inc | PPS Data LLC, NetDeposit LLC |
| US20140195278A1 | 0.625 | METHODS AND SYSTEMS FOR DETERMINING USER LOCATION | APPLICATION | 2014-07-10 | 2005-04-27 | 37215475 | Good | Ticketmaster LLC | Ticketmaster LLC |
| US20020111908A1 | 0.625 | Subscription-based payment | APPLICATION | 2002-08-15 | 2000-07-11 | 21803401 | Good | First Data Corp | First Data Corp, Western Union Co |
| US20090030776A1 | 0.625 | SYSTEM FOR PROVIDING OFFERS USING A BILLING STATEMENT | APPLICATION | 2009-01-29 | 1997-12-01 | 27493149 | Good | PayPal Inc | PayPal Inc |
| US20040088237A1 | 0.625 | Identifying candidate billers or payees of a payor | APPLICATION | 2004-05-06 | 2002-11-01 | 32175230 | Good | Fiserv Inc | Fiserv Inc |
| US20040103057A1 | 0.625 | System and method for processing a long distance communication using a debit account | APPLICATION | 2004-05-27 | 2002-11-26 | 32325336 | Good | WorldPass Corp | WorldPass Corp |
| US9055122B2 | 0.625 | Collecting and associating profile data of a user of a mobile device to events of the mobile device using a unique individual identification number | GRANT | 2015-06-09 | 2005-06-27 | 37568907 | Good | comScore Inc | comScore Inc |
| US8712874B2 | 0.625 | System and method for associating financial transaction data with a user's project data using a portable electronic device | GRANT | 2014-04-29 | 2007-12-07 | 48365409 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US7979348B2 | 0.624 | Payment identification code and payment system using the same | GRANT | 2011-07-12 | 2002-04-23 | 29270572 | Good | Clearing House Payments Co LLC | Clearing House Payments Company LLC, Clearing House Payments Co LLC |
| US20110087611A1 | 0.624 | BIOMETRIC IDENTIFICATION AND AUTHENTICATION SYSTEM FOR FINANCIAL ACCOUNTS | APPLICATION | 2011-04-14 | 2009-10-14 | 43855611 | Good | ||
| US20080015982A1 | 0.624 | Funds transfer method and system including payment enabled invoices | APPLICATION | 2008-01-17 | 2000-09-20 | 38950407 | Good | Cashedge Inc | Cashedge Inc |
| US8165940B2 | 0.624 | Non-credit account credit rating | GRANT | 2012-04-24 | 2008-01-31 | 40932602 | Good | Visa USA Inc | Visa USA Inc |
| US20050171900A1 | 0.624 | Automated bill presentment and payment | APPLICATION | 2005-08-04 | 2004-02-02 | 34808190 | Good | ||
| US8103501B2 | 0.623 | System and method for generation and authentication of a signed document using voice analysis | GRANT | 2012-01-24 | 2007-01-24 | 39370873 | Good | Voicecash IP GmbH | Lumenvox Corp, VoiceTrust IP GmbH |
| US8391846B1 | 0.623 | System and method for generating revenue from a classified advertisement wireless messaging service | GRANT | 2013-03-05 | 2008-04-17 | 41201533 | Good | Mobi Mobiware Inc | Mobi Mobiware Inc |
| US20060255128A1 | 0.623 | PORTABLE HANDHELD DEVICE FOR WIRELESS ORDER ENTRY AND REAL TIME PAYMENT AUTHORIZATION AND RELATED METHODS | APPLICATION | 2006-11-16 | 2005-04-21 | 37215256 | Good | SecuredPay Solutions Inc | SecuredPay Solutions Inc |
| US8078527B2 | 0.622 | Methods and systems for actively optimizing a credit score and managing/reducing debt | GRANT | 2011-12-13 | 1999-12-29 | 41570557 | Good | Western Union Co | Western Union Co |
| US20040044739A1 | 0.622 | System and methods for processing PIN-authenticated transactions | APPLICATION | 2004-03-04 | 2002-09-04 | 33510281 | Good | ATMDIRECT, Accullink Inc, ATMDIRECT | ATM ONLINE Inc |
| US20110295662A1 | 0.622 | Local Payment Collection and Information Management Apparatus and Method | APPLICATION | 2011-12-01 | 2010-05-28 | 45022842 | Good | ||
| US9443253B2 | 0.622 | Systems and methods to provide and adjust offers | GRANT | 2016-09-13 | 2009-07-27 | 48982998 | Good | Visa International Service Association | Visa International Service Association |
| US9053146B1 | 0.622 | Apparatuses methods and systems for a web access manager | GRANT | 2015-06-09 | 2009-10-16 | 53267914 | Good | Iqor US Inc | IQOR HOLDINGS Inc, Iqor US Inc |
| US8244646B2 | 0.622 | Systems and methods for determining estimated lead times | GRANT | 2012-08-14 | 2009-06-09 | 43301389 | Good | Fiserv Inc | Fiserv Inc |
| US20070199053A1 | 0.621 | Flexible and adjustable authentication in cyberspace | APPLICATION | 2007-08-23 | 2006-02-13 | 38372090 | Good | Tricipher Inc | VMware Inc |
| US6188752B1 | 0.621 | Method and apparatus for providing prepaid telecommunications services | GRANT | 2001-02-13 | 1996-11-12 | 25005005 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| USRE40753E1 | 0.621 | Method and system for conducting business in a transnational E-commerce network | GRANT | 2009-06-16 | 2000-04-19 | 27789280 | Good | Innovation Sciences LLC | Innovation Sciences LLC |
| US20080177630A1 | 0.621 | Method apparatus system media and signals for billing a sponsor of an object link in interactive sequenced media | APPLICATION | 2008-07-24 | 2007-01-19 | 39642181 | Good | VIDEOCLIX TECHNOLOGIES Inc | VIDEOCLIX TECHNOLOGIES Inc |
| US9042525B2 | 0.621 | System and method for voice activated dialing from a home phone | GRANT | 2015-05-26 | 2008-12-15 | 42240538 | Good | CenturyLink Intellectual Property LLC | CenturyLink Intellectual Property LLC |
| US20140012737A1 | 0.621 | System and Method for Debt Presentment and Resolution | APPLICATION | 2014-01-09 | 1999-03-12 | 46298914 | Good | Collections Marketing Center Inc | Collections Marketing Center Inc |
| US6957336B2 | 0.621 | Establishing initial PuK-linked account database | GRANT | 2005-10-18 | 2000-08-04 | 22834916 | Good | First Data Corp | First Data Corp |
| US7725385B2 | 0.620 | System and method for facilitating the handling of a dispute using disparate architectures | GRANT | 2010-05-25 | 2000-03-29 | 46299070 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US9165323B1 | 0.620 | Biometric transaction system and method | GRANT | 2015-10-20 | 2000-05-31 | 54290394 | Good | Open Invention Network LLC, Open Innovation Network LLC | Open Innovation Network LLC, YOU Technology Inc |
| US20040062370A1 | 0.620 | Interactive billing control system | APPLICATION | 2004-04-01 | 1999-01-29 | 22908362 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8078881B1 | 0.620 | Password resetting method | GRANT | 2011-12-13 | 2004-11-12 | 45092808 | Good | ||
| US8708227B1 | 0.620 | Systems and methods for remote deposit of checks | GRANT | 2014-04-29 | 2006-10-31 | 50514128 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20100223165A1 | 0.620 | FINANCIAL TRANSACTION ANNOTATIONS | APPLICATION | 2010-09-02 | 2009-02-27 | 42665950 | Good | Bank of America Corp | Bank of America Corp |
| US20050108096A1 | 0.620 | Portable electronic authorization system and method | APPLICATION | 2005-05-19 | 1999-09-28 | 46303112 | Good | Chameleon Network Inc | Kioba Processing LLC, Gula Consulting LLC |
| US7870025B2 | 0.619 | Vendor comparison advertising and switching | GRANT | 2011-01-11 | 2001-09-20 | 25499900 | Good | Intuit Inc | Intuit Inc |
| US6832212B1 | 0.619 | Method and apparatus for manipulating billing and payment information within a browser interface system | GRANT | 2004-12-14 | 1997-09-30 | 33491122 | Good | NCR Corp | NCR Corp |
| US6263447B1 | 0.619 | System and method for authentication of network users | GRANT | 2001-07-17 | 1998-05-21 | 22197333 | Good | Equifax Inc | Equifax Inc |
| US20100229245A1 | 0.619 | System of security that prevents abuse of identity data in global commerce via mobile wireless authorizations | APPLICATION | 2010-09-09 | 2009-03-05 | 42679415 | Good | ||
| US8127982B1 | 0.619 | Parental controls | GRANT | 2012-03-06 | 2009-01-09 | 45757854 | Good | Apple Inc | Apple Inc |
| US7382868B2 | 0.619 | Telephony services system with instant communications enhancements | GRANT | 2008-06-03 | 2002-04-02 | 28791938 | Good | Verizon Business Global LLC | Verizon Patent and Licensing Inc |
| US20100125514A1 | 0.619 | Least Cost Routing of Fund Transfer Transactions | APPLICATION | 2010-05-20 | 2008-11-14 | 42170280 | Good | Bank of America Corp | Bank of America Corp |
| US7310611B2 | 0.618 | Order processing system and method | GRANT | 2007-12-18 | 2000-05-15 | 26591854 | Good | Nifty Corp | Nifty Corp |
| US8572391B2 | 0.618 | System and method for risk based authentication | GRANT | 2013-10-29 | 2003-09-12 | 34312372 | Good | EMC Corp | EMC Corp, Cyota Inc |
| US8140649B2 | 0.618 | Systems and methods for providing mobile advertising and directory assistance services | GRANT | 2012-03-20 | 2004-04-28 | 35187764 | Good | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US5561706A | 0.617 | System for managing access by mobile users to an interconnected communications network where a billing authority is identified by a billing code from the user | GRANT | 1996-10-01 | 1992-09-29 | 25493437 | Good | Fenner Investments Ltd | Fenner Investments Ltd |
| US6282658B2 | 0.617 | System and method for authentication of network users with preprocessing | GRANT | 2001-08-28 | 1998-05-21 | 22197328 | Good | Equifax Inc | Equifax Inc |
| US8793187B2 | 0.617 | Self-service money remittance with an access card | GRANT | 2014-07-29 | 2003-10-17 | 34526703 | Good | Nexxo Financial Corp | MONEYGRAM PAYMENT SYSTEMS Inc |
| US20110112851A1 | 0.617 | SYSTEMATIC PAYMENT AUDITING | APPLICATION | 2011-05-12 | 2009-11-12 | 43974848 | Good | Nobelus Inc | LACLARO Inc |
| US20070094150A1 | 0.616 | Transaction authorization service | APPLICATION | 2007-04-26 | 2005-10-11 | 37986448 | Good | Amazon Technologies Inc | Amazon Technologies Inc |
| US20080281737A1 | 0.616 | System and Method for Authenticating the Identity of a User | APPLICATION | 2008-11-13 | 2004-02-05 | 34836934 | Good | Veritas Mobile Solutions Pte Ltd | Veritas Mobile Solutions Pte Ltd |
| US20080041942A1 | 0.616 | Biometric Multi-Purpose Terminal Payroll and Work Management System and Related Methods | APPLICATION | 2008-02-21 | 2002-04-17 | 46328868 | Good | American EPS Inc | American EPS Inc |
| US20040230524A1 | 0.616 | Charity bundling site | APPLICATION | 2004-11-18 | 2003-05-13 | 33417218 | Good | ||
| US9189777B1 | 0.616 | Electronic commerce with cryptographic authentication | GRANT | 2015-11-17 | 1999-09-20 | 26851727 | Good | Security First Corp | Security First Corp |
| US6282276B1 | 0.615 | Method of billing a value-added call | GRANT | 2001-08-28 | 1996-06-05 | 27534693 | Good | Fraud Control Systems com Corp | CREDIT FRAUD CONTROL Corp |
| US6622131B1 | 0.615 | Method and system for auctioning loans through a computing system | GRANT | 2003-09-16 | 1999-12-23 | 27805385 | Good | rateGenius Inc | Resource Consortium Ltd |
| US4774664A | 0.614 | Financial data processing system and method | GRANT | 1988-09-27 | 1985-07-01 | 25019646 | Good | Chrysler First Information Technologies Inc | 1981 HELICOPTERS Ltd, ADVANCED LEASING SERVICES NUMBER 3 Inc, AIA Inc OF PENNSYLVANIA, ALLENTOWN GENERAL Corp, AMC PROPERTIES Corp, CHRYSLER FINANCIAL Corp, SEE FRAME 0541 THRU 0546 FOR REMAINING 113 RECEIVING PARTIES, Chrysler First Financial Services Corp |
| US8998096B2 | 0.614 | Magnetic emissive use of preloaded payment card account numbers | GRANT | 2015-04-07 | 2010-04-01 | 44708473 | Good | COIN Inc | Fitbit Inc |
| US7024689B2 | 0.614 | Granting access rights to unattended software | GRANT | 2006-04-04 | 2002-12-13 | 32506393 | Good | Intuit Inc | Intuit Inc |
| US7519557B1 | 0.614 | Method and system for verifying use of a financial instrument | GRANT | 2009-04-14 | 2007-10-12 | 40525206 | Good | Visa International Service Association | Visa International Service Association |
| US20090192928A1 | 0.614 | INTEGRATION OF GIFT CARD SERVICES FOR MOBILE DEVICES AND SOCIAL NETWORKING SERVICES | APPLICATION | 2009-07-30 | 2008-01-29 | 40900208 | Good | Transaction Wireless Inc | First Data Resources LLC |
| US7363257B2 | 0.614 | Method and system for in-line secondary transactions | GRANT | 2008-04-22 | 2005-03-31 | 36272486 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8744956B1 | 0.613 | Systems and methods for permission arbitrated transaction services | GRANT | 2014-06-03 | 2010-07-01 | 50781374 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US7357309B2 | 0.613 | EMV transactions in mobile terminals | GRANT | 2008-04-15 | 2004-01-16 | 34753063 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US20060229961A1 | 0.613 | Risk evaluation method and system using ACH data | APPLICATION | 2006-10-12 | 2005-04-08 | 37084217 | Good | Efunds Corp | Efunds Corp |
| US6882986B1 | 0.613 | Method for automatic processing of invoices | GRANT | 2005-04-19 | 2000-08-07 | 34435281 | Good | Tymetrix | Tymetrix |
| US7866548B2 | 0.613 | Account control method and system that allows only eligible and authorized items to be purchased using the account | GRANT | 2011-01-11 | 2004-12-01 | 36565573 | Good | Humana Inc, Metavante Corp | Humana Inc, Alegeus Technologies LLC |
| US8151343B1 | 0.612 | Method and system for providing authentication credentials | GRANT | 2012-04-03 | 2007-07-30 | 45877508 | Good | Intuit Inc | Intuit Inc |
| US8433127B1 | 0.612 | Systems and methods for real-time validation of check image quality | GRANT | 2013-04-30 | 2007-05-10 | 48146122 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7028013B2 | 0.612 | Personal authentication system and personal authentication method and program used therefor | GRANT | 2006-04-11 | 2000-04-26 | 18635081 | Good | NEC Corp | NEC Corp |
| US20100030687A1 | 0.612 | Real-Time Settlement of Financial Transactions Using Electronic Fund Transfer Networks | APPLICATION | 2010-02-04 | 2008-01-18 | 40885687 | Good | Cashedge Inc | Cashedge Inc, Aerohive Networks Inc |
| US7890371B2 | 0.612 | Method for processing transaction information | GRANT | 2011-02-15 | 2007-05-28 | 40096723 | Good | TRADE VAN INFORMATION SERVICES Co | TRADE-VAN INFORMATION SERVICES Co, TRADE VAN INFORMATION SERVICES Co |
| US7542468B1 | 0.612 | Dynamic host configuration protocol with security | GRANT | 2009-06-02 | 2005-10-18 | 40672467 | Good | Intuit Inc | Intuit Inc |
| WO2003093923A2 | 0.612 | SYSTEM AND APPARATUS FOR AUTHENTICATING TO A SYSTEM OR NETWORK | APPLICATION | 2003-11-13 | 2002-04-30 | 29406780 | Good | ||
| US20050033651A1 | 0.612 | Method and apparatus for on-line payment of a transaction in cash | APPLICATION | 2005-02-10 | 2003-08-06 | 34116174 | Good | ||
| US6321339B1 | 0.612 | System and method for authentication of network users and issuing a digital certificate | GRANT | 2001-11-20 | 1998-05-21 | 22197320 | Good | Equifax Inc | Equifax Inc |
| US20060059110A1 | 0.611 | System and method for detecting card fraud | APPLICATION | 2006-03-16 | 2002-04-03 | 28460469 | Good | ||
| US20020099665A1 | 0.611 | Portable electronic authorization system and method | APPLICATION | 2002-07-25 | 1999-09-28 | 25514523 | Good | Chameleon Network Inc | Kioba Processing LLC |
| US20050192839A1 | 0.610 | Method and system for managing paperless claim processing | APPLICATION | 2005-09-01 | 2004-02-27 | 34889918 | Good | P2P Link LLC | PSP LINK LLC, P2P Link LLC |
| US6070141A | 0.610 | System and method of assessing the quality of an identification transaction using an identificaion quality score | GRANT | 2000-05-30 | 1995-05-08 | 22413067 | Good | Image Data LLC | ALTOR LLC, Image Data LLC, LexisNexis Risk Solutions GA Inc |
| US7203315B1 | 0.610 | Methods and apparatus for providing user anonymity in online transactions | GRANT | 2007-04-10 | 2000-02-22 | 37494098 | Good | PRIVACY LABS Inc | PRIVACY LABS Inc |
| US20110113084A1 | 0.610 | AUTOMATIC PROFILE UPDATE IN A MOBILE DEVICE | APPLICATION | 2011-05-12 | 2008-08-19 | 41550910 | Good | CIRCLEBACK Inc | CIRCLEBACK Inc |
| US10346853B2 | 0.610 | Computing environment transaction system to transact computing environment circumventions | GRANT | 2019-07-09 | 2000-06-20 | 26907424 | Good | GAMETEK LLC | GAMETEK LLC |
| US20040128257A1 | 0.610 | Method and apparatus for administering one or more value bearing instruments | APPLICATION | 2004-07-01 | 2001-03-28 | 32654125 | Good | CMA BUSINESS CREDIT SERVICES | CMA BUSINESS CREDIT SERVICES |
| US7848972B1 | 0.609 | Electronic bill presentment and payment systems and processes | GRANT | 2010-12-07 | 2000-04-06 | 24170134 | Good | Metavante Corp | Metavante Corp |
| US20100211445A1 | 0.609 | INCENTIVES ASSOCIATED WITH LINKED FINANCIAL ACCOUNTS | APPLICATION | 2010-08-19 | 2009-01-15 | 42340306 | Good | Visa USA Inc | Visa USA Inc |
| US20100250410A1 | 0.609 | CARDLESS FINANCIAL TRANSACTIONS SYSTEM | APPLICATION | 2010-09-30 | 2009-03-30 | 42785406 | Good | Ai Oasis Inc | Ai Oasis Inc |
| US20160217446A1 | 0.608 | SYSTEMS AND METHODS TO DELIVER TARGETED ADVERTISEMENTS TO AUDIENCE | APPLICATION | 2016-07-28 | 2009-10-09 | 43855575 | Good | Visa International Service Association | Visa International Service Association |
| US20080027859A1 | 0.608 | PREFERRED CREDIT INFORMATION DATA COLLECTION METHOD | APPLICATION | 2008-01-31 | 2002-12-04 | 38987555 | Good | PAY RENT BUILD CREDIT Inc | PAY RENT BUILD CREDIT Inc |
| US20020128917A1 | 0.608 | Method and apparatus for processing financial transactions | APPLICATION | 2002-09-12 | 2001-03-06 | 25178644 | Good | Electronic Data Systems LLC | HP Enterprise Services LLC |
| US6871287B1 | 0.607 | System and method for verification of identity | GRANT | 2005-03-22 | 2000-01-21 | 23942445 | Good | EDENTIFY Inc | EDENTIFY Inc |
| US20010037264A1 | 0.607 | Payment for network-based commercial transactions using a mobile phone | APPLICATION | 2001-11-01 | 2000-04-26 | 8168553 | Good | International Business Machines Corp | International Business Machines Corp |
| US20080175360A1 | 0.607 | Method and system to verify the identity of a user | APPLICATION | 2008-07-24 | 2007-01-18 | 39641205 | Good | PaymentOne Corp | PaymentOne Corp |
| US6438601B1 | 0.607 | Method and system for using caller pays service for single use and short term access to internet subscription services | GRANT | 2002-08-20 | 1999-10-19 | 23667334 | Good | Worldcom Inc | Verizon Patent and Licensing Inc |
| US9024722B2 | 0.607 | Remote identification equipped self-service monetary item handling device | GRANT | 2015-05-05 | 2008-06-16 | 41066761 | Good | Bank of America Corp | Bank of America Corp |
| US7492878B2 | 0.607 | Method for providing and billing for functionalities of a wireless identification module WIM in mobile communication terminals | GRANT | 2009-02-17 | 2002-03-15 | 27815696 | Good | T Mobile Deutschland GmbH | Telekom Deutschland GmbH |
| US10909617B2 | 0.606 | Indirect monitoring and reporting of a user's credit data | GRANT | 2021-02-02 | 2010-03-24 | 58670550 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20050188219A1 | 0.606 | Method and a system for communication between a terminal and at least one communication equipment | APPLICATION | 2005-08-25 | 2003-12-26 | 34530841 | Good | Orange SA | Orange SA |
| US7509117B2 | 0.606 | Apparatus and associated method for notifying a user in a radio communication system of a commercially-related transaction | GRANT | 2009-03-24 | 2002-05-31 | 33129762 | Good | Nokia Oyj | Nokia Oyj |
| US8290237B1 | 0.606 | Systems and methods to use a digital camera to remotely deposit a negotiable instrument | GRANT | 2012-10-16 | 2007-10-31 | 46981797 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US6337901B1 | 0.606 | Customer billing relationships software | GRANT | 2002-01-08 | 1999-10-15 | 23659708 | Good | BellSouth Intellectual Property Corp | AT&T Delaware Intellectual Property Inc |
| US20080126233A1 | 0.606 | Purchase notification system | APPLICATION | 2008-05-29 | 2006-11-29 | 39464873 | Good | Verizon Services Organization Inc | Verizon Patent and Licensing Inc |
| US7430537B2 | 0.605 | System and method for verifying a financial instrument | GRANT | 2008-09-30 | 2000-07-10 | 26911712 | Good | PayPal Inc | PayPal Inc |
| US8751294B2 | 0.605 | Processing value-ascertainable items | GRANT | 2014-06-10 | 2009-12-04 | 44082927 | Good | E2interactive Inc | E2interactive Inc |
| US20040230527A1 | 0.605 | Authentication for online money transfers | APPLICATION | 2004-11-18 | 2003-04-29 | 33423627 | Good | First Data Corp | Western Union Co |
| US20080262964A1 | 0.605 | NETWORK BASED USER-TO-USER PAYMENT SERVICE | APPLICATION | 2008-10-23 | 2000-10-30 | 27399748 | Good | Amazon Technologies Inc | Amazon Technologies Inc |
| US20040117262A1 | 0.604 | System and method for conducting a monetary transaction | APPLICATION | 2004-06-17 | 2002-12-17 | 32507152 | Good | Motorola Solutions Inc | Motorola Solutions Inc |
| US20090228714A1 | 0.604 | Secure mobile device with online vault | APPLICATION | 2009-09-10 | 2004-11-18 | 41054831 | Good | Biogy Inc | Biogy Inc |
| US6450407B1 | 0.604 | Chip card rebate system | GRANT | 2002-09-17 | 1998-04-17 | 27038816 | Good | Viztec Inc | Samsung Display Co Ltd |
| US5794221A | 0.604 | Internet billing method | GRANT | 1998-08-11 | 1995-07-07 | 23985643 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US7886155B2 | 0.604 | System for generating requests to a passcode protected entity | GRANT | 2011-02-08 | 2004-12-20 | 37084435 | Good | Biogy Inc | Biogy Inc |
| US6453353B1 | 0.604 | Role-based navigation of information resources | GRANT | 2002-09-17 | 1998-07-10 | 46276326 | Good | Entrust Ltd | Entrust Ltd |
| US7792743B2 | 0.604 | Flexible advertiser billing system with mixed postpayment and prepayment capabilities | GRANT | 2010-09-07 | 2007-05-02 | 39639440 | Good | Google LLC | Google LLC |
| US7389913B2 | 0.604 | Method and apparatus for online check processing | GRANT | 2008-06-24 | 2006-04-28 | 38823067 | Good | ||
| US7966192B2 | 0.604 | Method and apparatus for processing electronic dispute data | GRANT | 2011-06-21 | 2002-01-30 | 27616355 | Good | First Data Corp | First Data Corp |
| US6307956B1 | 0.603 | Writing implement for identity verification system | GRANT | 2001-10-23 | 1998-04-07 | 27580927 | Good | Pen One Inc | United States Cp LLC |
| US7437752B2 | 0.603 | Client architecture for portable device with security policies | GRANT | 2008-10-14 | 2002-09-23 | 37110108 | Good | Credant Technologies Inc | Dell Marketing LP |
| US20080077950A1 | 0.603 | System and method for billing for video content | APPLICATION | 2008-03-27 | 2006-08-25 | 39136423 | Good | SBC Knowledge Ventures LP | AT&T Intellectual Property I LP |
| US8463831B2 | 0.603 | User association of a computing application with a contact in a contact list | GRANT | 2013-06-11 | 2003-12-31 | 34574774 | Good | Fiserv Inc | CheckFree Services Corp |
| US7486784B2 | 0.603 | Bill payment service | GRANT | 2009-02-03 | 2004-08-12 | 35799970 | Good | International Business Machines Corp | International Business Machines Corp |
| US8538124B1 | 0.603 | Systems and methods for real-time validation of check image quality | GRANT | 2013-09-17 | 2007-05-10 | 49122435 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20070100770A1 | 0.603 | System and method for facilitating on-line payment | APPLICATION | 2007-05-03 | 2003-06-25 | 31954266 | Good | EWISE SYSTEMS Pty Ltd | PayWithMyBank Inc |
| US7780075B2 | 0.603 | Methods and systems for transferring funds | GRANT | 2010-08-24 | 2001-06-08 | 37769505 | Good | Continental Exchange Solutions Inc | Continental Exchange Solutions Inc |
| US20090212104A1 | 0.602 | Automated banking machine that operates responsive to data bearing records | APPLICATION | 2009-08-27 | 2002-05-07 | 41581396 | Good | Diebold Inc | Diebold Nixdorf Inc |
| US7647024B2 | 0.602 | Method and system for improving client server transmission over fading channel with wireless location and authentication technology via electromagnetic radiation | GRANT | 2010-01-12 | 2005-10-03 | 46206056 | Good | SellerBid Inc | Innovation Sciences LLC |
| US8321339B2 | 0.602 | System and method for resolving transactions with variable offer parameter selection capabilities | GRANT | 2012-11-27 | 2010-01-15 | 44278244 | Good | Apollo Enterprise Solutions Inc | Konowiecki Joseph S, KONOWIECKI, JOSEPH S, Apollo Enterprise Solutions Ltd |
| WO2001088659A2 | 0.602 | ELECTRONIC CARDS CAPABLE OF BEING READ BY A MAGNETIC STRIPE READER AND METHODS FOR THEIR USE | APPLICATION | 2001-11-22 | 2000-05-15 | 27569844 | Good | ||
| US20080052244A1 | 0.602 | ANONYMOUS TRANSACTION AUTHENTICATION | APPLICATION | 2008-02-28 | 1999-04-19 | 32111236 | Good | First Data Corp | First Data Corp |
| US6006333A | 0.602 | Password helper using a client-side master password which automatically presents the appropriate server-side password to a particular remote server | GRANT | 1999-12-21 | 1996-03-13 | 24466318 | Good | Sun Microsystems Inc | Oracle America Inc |
| US8140847B1 | 0.601 | Digital safe | GRANT | 2012-03-20 | 2007-09-18 | 45813450 | Good | ||
| US8320657B1 | 0.601 | Systems and methods to use a digital camera to remotely deposit a negotiable instrument | GRANT | 2012-11-27 | 2007-10-31 | 47190932 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7597250B2 | 0.601 | RFID reader with multiple interfaces | GRANT | 2009-10-06 | 2003-11-17 | 37069117 | Good | DPD Patent Trust Ltd | DPD Patent Trust Ltd |
| US7467401B2 | 0.601 | User authentication without prior user enrollment | GRANT | 2008-12-16 | 2004-08-12 | 35801381 | Good | Avatier Corp | Avatier Corp |
| US20110270749A1 | 0.601 | ELECTRONIC INVOICE PRESENTATION AND PAYMENT SYSTEM | APPLICATION | 2011-11-03 | 2010-04-30 | 44859068 | Good | INVOICE CLOUD Inc | INVOICE CLOUD Inc |
| US20110231912A1 | 0.600 | SYSTEM METHOD AND COMPUTER PROGRAM PRODUCT FOR AUTHENTICATING A MOBILE DEVICE USING AN ACCESS TOKEN | APPLICATION | 2011-09-22 | 2010-03-19 | 44648285 | Good | Salesforce com Inc | Salesforce com Inc |
| US7463878B2 | 0.600 | Real-time interconnect billing system and method of use | GRANT | 2008-12-09 | 2003-12-31 | 34748859 | Good | Megasoft Consultants Inc | Megasoft Ltd |
| US5920848A | 0.600 | Method and system for using intelligent agents for financial transactions services accounting and advice | GRANT | 1999-07-06 | 1997-02-12 | 21892269 | Good | Citibank NA | Citibank NA |
| US7644042B2 | 0.600 | Managing transaction accounts | GRANT | 2010-01-05 | 2006-06-30 | 38895382 | Good | Amazon Technologies Inc | Amazon Technologies Inc |
| US7644285B1 | 0.600 | Recovery access to secure data | GRANT | 2010-01-05 | 2004-04-08 | 41460449 | Good | Intuit Inc | Intuit Inc |
| US20100250359A1 | 0.600 | Electronic coupon system and data mining and use thereof in relation thereto and for use interactive participation of individuals and groups within the system | APPLICATION | 2010-09-30 | 2009-03-30 | 42785400 | Good | ASTORENEARME Inc | Transactis Inc |
| US20040122754A1 | 0.600 | Methods and apparatus for processing check transactions in self service customer checkout terminals | APPLICATION | 2004-06-24 | 2002-12-20 | 32593477 | Good | NCR Corp | NCR Corp |
| EP0542298A2 | 0.600 | Electronic monetary system | GRANT | 1993-05-19 | 1991-11-15 | 25161747 | Good | Citibank NA | Citibank NA |
| US7089594B2 | 0.600 | Application rights management in a mobile environment | GRANT | 2006-08-08 | 2003-07-21 | 34079888 | Good | July Systems LLC | Cisco Technology Inc |
| US6453301B1 | 0.600 | Method of using personal device with internal biometric in conducting transactions over a network | GRANT | 2002-09-17 | 2000-02-23 | 24032299 | Good | Sony Corp, Sony Electronics Inc | Sony Corp, Sony Electronics Inc |
| US20050021353A1 | 0.600 | DONATION SYSTEM AND METHOD | APPLICATION | 2005-01-27 | 2003-07-25 | 34083640 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US8027921B1 | 0.599 | Method and software for migrating protected authentication data | GRANT | 2011-09-27 | 2002-02-13 | 44652572 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US8351677B1 | 0.599 | Systems and methods for remote deposit of checks | GRANT | 2013-01-08 | 2006-10-31 | 47427947 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US5956690A | 0.598 | Bundled billing accounting computer systems | GRANT | 1999-09-21 | 1997-09-03 | 25447880 | Good | Detroit Medical Center | VHS OF MICHIGAN Inc |
| US8213585B2 | 0.598 | Automated distribution and indexing of prepaid calling card information | GRANT | 2012-07-03 | 2008-02-07 | 40938880 | Good | Hewlett Packard Development Co LP | Hewlett Packard Enterprise Development LP |
| US20100179906A1 | 0.598 | Payment authorization method and apparatus | APPLICATION | 2010-07-15 | 2000-03-17 | 26073040 | Good | ||
| US8406809B2 | 0.597 | Configuration with the payment button in the mobile communication device the way the payment process is started | GRANT | 2013-03-26 | 2009-05-03 | 43050565 | Good | Logomotion sro | SMK Corp |
| US8320539B2 | 0.597 | Advanced payment for telephone services | GRANT | 2012-11-27 | 2008-02-26 | 40998310 | Good | IDI Billing Solutions | INFO DIRECTIONS Inc, IDI Billing Solutions |
| US5577100A | 0.596 | Mobile phone with internal accounting | GRANT | 1996-11-19 | 1995-01-30 | 23506065 | Good | Telemac Cellular Corp | Tracfone Wireless Inc |
| US20110119182A1 | 0.596 | Value Transfer System for Online Commerce Using Smart Card and Biometric Reader | APPLICATION | 2011-05-19 | 2009-08-31 | 44012041 | Good | ||
| US20030105710A1 | 0.596 | Method and system for on-line payments | APPLICATION | 2003-06-05 | 2000-07-11 | 27499077 | Good | Citicorp Credit Services Inc | Citicorp Credit Services Inc USA |
| US20100005024A1 | 0.596 | System and Method for Enrolling Individuals in an Automated Payment Plan | APPLICATION | 2010-01-07 | 2008-07-02 | 41465125 | Good | Visa USA Inc | Visa USA Inc |
| US6343279B1 | 0.595 | System integrating credit card transactions into a financial management system | GRANT | 2002-01-29 | 1998-08-26 | 22492821 | Good | American Management Systems Inc | CGI Technologies and Solutions Inc |
| US7814005B2 | 0.595 | Dynamic credit score alteration | GRANT | 2010-10-12 | 2004-10-19 | 38475609 | Good | Apollo Enterprise Solutions Inc | Konowiecki Joseph S, KONOWIECKI, JOSEPH S, Apollo Enterprise Solutions Ltd |
| US20090204435A1 | 0.595 | SYSTEM FOR AUTOMATING MEDICAL IMAGING DIAGNOSTIC SERVICE DELIVERY | APPLICATION | 2009-08-13 | 2008-01-31 | 40939659 | Good | COLOSCAN Inc | BAKER SCOTT HOLDINGS LLC |
| US5864620A | 0.594 | Method and system for controlling distribution of software in a multitiered distribution chain | GRANT | 1999-01-26 | 1996-04-24 | 24562118 | Good | CyberSource Corp | Internet Commerce Services Corp |
| US7991688B2 | 0.594 | Methods and apparatus for automatically exchanging credit information | GRANT | 2011-08-02 | 2000-11-14 | 26939252 | Good | Knowledge Works Inc | Knowledge Works Inc |
| US6161139A | 0.594 | Administrative roles that govern access to administrative functions | GRANT | 2000-12-12 | 1998-07-10 | 22350479 | Good | Encommerce Inc | Entrust Ltd |
| US6315195B1 | 0.594 | Transaction apparatus and method | GRANT | 2001-11-13 | 1998-04-17 | 26757604 | Good | Diebold Inc | Diebold Nixdorf Inc |
| US20020156676A1 | 0.593 | System method and apparatus for creating and securely managing accounts holding cash equivalents | APPLICATION | 2002-10-24 | 2001-04-17 | 25271669 | Good | INFORMATION SECURITY SYSTEMS AND SERVICES Inc | INFORMATION SECURITY SYSTEMS AND SERVICES Inc |
| US20090012889A1 | 0.593 | PAYMENT ACCOUNT MONITORING SYSTEM AND METHOD | APPLICATION | 2009-01-08 | 2007-07-02 | 40222214 | Good | Early Warning Services LLC | Early Warning Services LLC |
| US8560444B2 | 0.593 | Systems and methods for presenting payoff information to credit card customers | GRANT | 2013-10-15 | 2002-06-07 | 29710524 | Good | First Data Corp | SAE Magnetics (HK) Ltd, First Data Corp |
| US7458507B2 | 0.593 | ATM machine and methods with currency conversion capabilities | GRANT | 2008-12-02 | 2004-06-17 | 35731005 | Good | First Data Corp | Fexco Merchant Services, First Data Corp, Western Union Co |
| US20070014408A1 | 0.593 | Hybrid symmetric/asymmetric cryptography with user authentication | APPLICATION | 2007-01-18 | 2005-07-15 | 37661663 | Good | Tyfone Inc | Tyfone Inc |
| US9159101B1 | 0.593 | Image processing | GRANT | 2015-10-13 | 2007-10-23 | 54252728 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US6805287B2 | 0.592 | System and method for converting a stored value card to a credit card | GRANT | 2004-10-19 | 2002-09-12 | 31991447 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US7003316B1 | 0.592 | System and method for wireless transactions | GRANT | 2006-02-21 | 2002-02-22 | 35810750 | Good | Virtual Fonlink Inc | Square Inc, Virtual Fonlink Inc |
| US20040024709A1 | 0.592 | System and method for determining the identity of a party associated with a transaction | APPLICATION | 2004-02-05 | 2002-08-05 | 31192477 | Good | APPLIUS Inc | APPLIUS Inc |
| US8078528B1 | 0.592 | System and method for providing borrowing schemes | GRANT | 2011-12-13 | 2008-02-21 | 45092770 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US7743405B2 | 0.592 | Method of authentication via a secure wireless communication system | GRANT | 2010-06-22 | 2003-11-07 | 34575760 | Good | Siemens AG | Siemens AG |
| US8909557B2 | 0.591 | Authentication arrangement and method for use with financial transaction | GRANT | 2014-12-09 | 2002-02-28 | 43498144 | Good | Mastercard International Inc | Mastercard International Inc |
| US20070014407A1 | 0.591 | Symmetric cryptography with user authentication | APPLICATION | 2007-01-18 | 2005-07-15 | 37496524 | Good | Tyfone Inc | Tyfone Inc |
| US7227935B2 | 0.591 | Bill payment configuration | GRANT | 2007-06-05 | 2004-08-12 | 35799969 | Good | International Business Machines Corp | International Business Machines Corp |
| US20060121880A1 | 0.591 | Method and apparatus for enabling authorized and billable message transmission between multiple communications environments | APPLICATION | 2006-06-08 | 2004-12-07 | 36574978 | Good | Nokia of America Corp | Nokia of America Corp |
| US20060259438A1 | 0.591 | Secure multi function network for point of sale transactions | APPLICATION | 2006-11-16 | 2002-10-25 | 38123196 | Good | ||
| US20060161435A1 | 0.591 | System and method for identity verification and management | APPLICATION | 2006-07-20 | 2004-12-07 | 36578498 | Good | ||
| US6035398A | 0.591 | Cryptographic key generation using biometric data | GRANT | 2000-03-07 | 1997-11-14 | 25516731 | Good | DigitalPersona Inc | DigitalPersona Inc |
| US20090281891A1 | 0.590 | SYSTEMS AND METHODS FOR VENDING MACHINE FINANCING | APPLICATION | 2009-11-12 | 2006-09-06 | 39157533 | Good | Walker Digital LLC | Walker Digital LLC |
| US7624433B1 | 0.590 | Keyfob for use with multiple authentication entities | GRANT | 2009-11-24 | 2005-02-24 | 41327949 | Good | Intuit Inc | Intuit Inc |
| US8840018B2 | 0.590 | Device with time varying signal | GRANT | 2014-09-23 | 2006-05-05 | 39760722 | Good | CFPH LLC | CFPH LLC |
| US20070100748A1 | 0.590 | Multi-channel transaction system for transferring assets between accounts at different financial institutions | APPLICATION | 2007-05-03 | 2005-10-19 | 37997728 | Good | Cashedge Inc | Cashedge Inc |
| US9148517B1 | 0.590 | Systems methods and computer-readable media for expedited access to conference calls | GRANT | 2015-09-29 | 2004-03-12 | 40174994 | Good | West Corp | West Corp |
| US20100241535A1 | 0.590 | ACCOUNT ACTIVITY ALERT | APPLICATION | 2010-09-23 | 2009-03-19 | 42738471 | Good | Visa USA Inc | Visa USA Inc |
| US20030233321A1 | 0.590 | Integrated invoice solution | APPLICATION | 2003-12-18 | 2001-11-30 | 26962934 | Good | Accenture Global Services GmbH | Accenture Global Services GmbH |
| US10637724B2 | 0.589 | Managing network connected devices | GRANT | 2020-04-28 | 2006-09-25 | 59848032 | Good | Remot3it Inc | Remot3it Inc |
| US20080021761A1 | 0.589 | TRANSACTION PROCESSING SYSTEMS AND METHODS | APPLICATION | 2008-01-24 | 2006-07-20 | 38972544 | Good | FactorTrust Inc | Gula Consulting LLC |
| US20110107400A1 | 0.589 | METHODS SYSTEMS AND COMPUTER PROGRAM PRODUCTS FOR RECOVERING A PASSWORD USING USER-SELECTED THIRD PARTY AUTHORIZATION | APPLICATION | 2011-05-05 | 2009-10-29 | 43926823 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US6480710B1 | 0.589 | System and method for managing prepaid wireless service | GRANT | 2002-11-12 | 1998-07-16 | 22236206 | Good | Telemac Corp | Tracfone Wireless Inc |
| US7876949B1 | 0.589 | Systems and methods for remote deposit of checks | GRANT | 2011-01-25 | 2006-10-31 | 43479822 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7689716B2 | 0.589 | Systems and methods for providing dynamic network authorization authentication and accounting | GRANT | 2010-03-30 | 1998-12-08 | 37863956 | Good | Nomadix Inc | Gate Worldwide Holdings LLC |
| US8046581B2 | 0.589 | Method and apparatus for secure immediate wireless access in a telecommunications network | GRANT | 2011-10-25 | 2002-03-04 | 39789460 | Good | Telespree Communications | EVOLVING SYSTEMS LABS Inc |
| US8868914B2 | 0.589 | System and methods for distributing trusted time | GRANT | 2014-10-21 | 1999-07-02 | 40472878 | Good | Time Certain LLC | Time Certain LLC |
| US20050165681A1 | 0.588 | Method for automatic processing of invoices | APPLICATION | 2005-07-28 | 2000-08-07 | 34794504 | Good | Tymetrix Inc | Tymetrix Inc |
| US8995628B2 | 0.588 | System and method for the creation and automatic deployment of personalized dynamic and interactive voice services with closed loop transaction processing | GRANT | 2015-03-31 | 1999-09-13 | 46754140 | Good | MicroStrategy Inc | MicroStrategy Inc |
| US20100049619A1 | 0.588 | TELEPHONE-BASED COMMERCE SYSTEM AND METHOD | APPLICATION | 2010-02-25 | 2006-06-28 | 38981953 | Good | Planet Payment Inc | Planet Payment Inc |
| US8694793B2 | 0.588 | Biometric access control transactions | GRANT | 2014-04-08 | 2007-12-11 | 40723102 | Good | Visa USA Inc | Visa USA Inc |
| US7117529B1 | 0.588 | Identification and authentication management | GRANT | 2006-10-03 | 2001-10-22 | 37037444 | Good | Intuit Inc | Intuit Inc |
| US6796497B2 | 0.588 | System and method for facilitating a subsidiary card account | GRANT | 2004-09-28 | 2002-04-23 | 29215538 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US8588735B1 | 0.588 | Feature management of a communication device | GRANT | 2013-11-19 | 2007-06-28 | 40161185 | Good | Kajeet Inc | Kajeet Inc |
| US20130191231A1 | 0.588 | PORTABLE COMPUTERIZED WIRELESS PAYMENT APPARATUS AND METHODS | APPLICATION | 2013-07-25 | 2003-12-17 | 39764123 | Good | West View Research LLC | West View Research LLC |
| US20130212016A1 | 0.587 | MOBILE DEVICE CREDIT ACCOUNT | APPLICATION | 2013-08-15 | 2007-11-20 | 40642977 | Good | Wells Fargo Bank NA | Wells Fargo Bank NA |
| US7669236B2 | 0.587 | Determining whether to grant access to a passcode protected system | GRANT | 2010-02-23 | 2004-11-18 | 36387841 | Good | Biogy Inc | Biogy Inc |
| US6684197B1 | 0.587 | Method for revaluing a private label card using an electronic commerce terminal | GRANT | 2004-01-27 | 1998-07-20 | 30119273 | Good | USA Technologies Inc | Cantaloupe Inc |
| US7412487B2 | 0.587 | Method and system for tracking receipt of electronic message | GRANT | 2008-08-12 | 2002-11-06 | 32175923 | Good | GoodContacts Res Ltd | GoodContacts Res Ltd, MyLife com Inc |
| US7308254B1 | 0.587 | Wireless electronic couponing technique | GRANT | 2007-12-11 | 1999-12-15 | 23832229 | Good | Nokia Oyj | Nokia Oyj |
| US6062472A | 0.587 | System and method for increasing a value of an electronic payment card including performing a restore transaction in response to interruption of a value increase transaction | GRANT | 2000-05-16 | 1996-12-23 | 8224747 | Good | Koninklijke PTT Nederland NV | Koninklijke PTT Nederland NV |
| US7848978B2 | 0.587 | Enhanced transaction resolution techniques | GRANT | 2010-12-07 | 2004-10-19 | 38475610 | Good | Apollo Enterprise Solutions Inc | Konowiecki Joseph S, KONOWIECKI, JOSEPH S, Apollo Enterprise Solutions Ltd |
| US20020026423A1 | 0.586 | Automated usage-independent and location-independent agent-based incentive method and system for customer retention | APPLICATION | 2002-02-28 | 2000-08-23 | 26921979 | Good | Sony Electronics Inc | Sony Interactive Entertainment Inc, Sony Corp, Sony Electronics Inc, Sony Interactive Entertainment LLC |
| US20060107067A1 | 0.586 | Identification card with bio-sensor and user authentication method | APPLICATION | 2006-05-18 | 2004-11-15 | 35458606 | Good | Avago Technologies ECBU IP Singapore Pte Ltd | Avago Technologies ECBU IP Singapore Pte Ltd |
| US7575152B2 | 0.586 | Temporary value card method and system | GRANT | 2009-08-18 | 2005-11-15 | 38039731 | Good | E2interactive Inc | E2interactive Inc |
| US20090199294A1 | 0.586 | Managing Password Expiry | APPLICATION | 2009-08-06 | 2008-02-05 | 40933088 | Good | Red Hat Inc | Red Hat Inc |
| US20040147270A1 | 0.586 | Identification scheme for a communication device | APPLICATION | 2004-07-29 | 2002-12-31 | 32717814 | Good | Symbol Technologies LLC | Symbol Technologies LLC |
| US7575157B2 | 0.586 | Fraud protection | GRANT | 2009-08-18 | 2007-05-22 | 39683576 | Good | Bank of America Corp | Bank of America Corp |
| US20020180584A1 | 0.586 | Bio-metric smart card bio-metric smart card reader and method of use | APPLICATION | 2002-12-05 | 2001-04-26 | 25290410 | Good | Audlem Ltd | Audlem Ltd |
| US8849242B2 | 0.585 | System and method for charging for directed provisioning of user applications on limited-resource devices | GRANT | 2014-09-30 | 2001-02-23 | 27402301 | Good | Alcatel Lucent SAS | Alcatel Lucent SAS |
| US7083087B1 | 0.585 | Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources | GRANT | 2006-08-01 | 2000-09-18 | 36710423 | Good | E Micro Corp | Stripe Inc |
| US10956550B2 | 0.585 | Embedded authentication systems in an electronic device | GRANT | 2021-03-23 | 2007-09-24 | 40429680 | Good | Apple Inc | Apple Inc |
| US20060074698A1 | 0.585 | SYSTEM AND METHOD FOR PROVIDING A RF PAYMENT SOLUTION TO A MOBILE DEVICE | APPLICATION | 2006-04-06 | 2001-07-10 | 36203518 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US7540408B2 | 0.585 | Apparatus and method for facilitating money or value transfer | GRANT | 2009-06-02 | 2006-06-22 | 38833849 | Good | HIP Consult Inc | HIP Consult Inc |
| US5875236A | 0.585 | Call handling method for credit and fraud management | GRANT | 1999-02-23 | 1995-11-21 | 24245364 | Good | AT&T Corp | AT&T Corp |
| US20100138314A1 | 0.584 | METHOD FOR PROVIDING MICRO BILLING FOR GENERIC INTERNET SERVICE IN AN ACCESS NETWORK | APPLICATION | 2010-06-03 | 2007-06-28 | 40185918 | Good | ||
| US6594759B1 | 0.584 | Authorization firmware for conducting transactions with an electronic transaction system and methods therefor | GRANT | 2003-07-15 | 1996-12-04 | 25056097 | Good | Esignx Corp | Callahan Cellular LLC, Esignx Corp |
| US6655583B2 | 0.584 | Medical billing method and system | GRANT | 2003-12-02 | 2001-04-13 | 29418380 | Good | Advanced Medical Interventions Inc | Advanced Medical Interventions Inc |
| US20050127164A1 | 0.584 | Method and system for conducting a transaction using a proximity device and an identifier | APPLICATION | 2005-06-16 | 2002-03-19 | 34657892 | Good | Mastercard International Inc | Mastercard International Inc |
| US20080114670A1 | 0.583 | SYSTEMS AND METHODS FOR A TRANSACTION VETTING SERVICE | APPLICATION | 2008-05-15 | 2006-11-14 | 39402454 | Good | SGL NETWORK Inc | SGL NETWORK Inc |
| US8086508B2 | 0.583 | Method and apparatus for delegating authority | GRANT | 2011-12-27 | 2000-07-24 | 34865019 | Good | Cashedge Inc | CheckFree Services Corp |
| US20050091164A1 | 0.583 | Method and apparatus for the rental or sale and secure distribution of digital content | APPLICATION | 2005-04-28 | 2003-10-24 | 34526969 | Good | ||
| US8209751B2 | 0.583 | Receiving an access key | GRANT | 2012-06-26 | 2004-11-18 | 40845661 | Good | Biogy Inc | Biogy Inc |
| US9219708B2 | 0.583 | Method and system for remotely authenticating identification devices | GRANT | 2015-12-22 | 2001-03-22 | 33459093 | Good | Dialwareinc | Dialware Inc |
| US7802104B2 | 0.582 | Context sensitive dynamic authentication in a cryptographic system | GRANT | 2010-09-21 | 1999-09-20 | 38374124 | Good | Security First Corp | Security First Corp |
| US20070133768A1 | 0.582 | Fraud detection for use in payment processing | APPLICATION | 2007-06-14 | 2005-12-12 | 38139374 | Good | Sapphire Mobile Systems Inc | Mpower Mobile Inc |
| US20090240610A1 | 0.582 | Integrated e-Commerce Sales & Use Tax Exchange System and Method | APPLICATION | 2009-09-24 | 2002-12-30 | 41089836 | Good | Intuit Inc | Intuit Inc |
| US9247414B2 | 0.582 | Dynamic configuration of unlimited service for roaming subscriber | GRANT | 2016-01-26 | 2008-04-11 | 46613538 | Good | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US20040172360A1 | 0.582 | Methods and systems for managing accounts payable | APPLICATION | 2004-09-02 | 2003-02-28 | 32907982 | Good | General Electric Co | General Electric Co |
| US7054665B2 | 0.581 | Billing records enhanced by called party names from subscriber phone book | GRANT | 2006-05-30 | 2001-09-15 | 9922173 | Good | Motorola Solutions Inc | Google Technology Holdings LLC |
| US8281372B1 | 0.581 | Device system and method of accessing electronic mail | GRANT | 2012-10-02 | 2009-12-18 | 46924908 | Good | Google LLC | Google LLC |
| US7917435B2 | 0.581 | Apparatus and method for facilitating account restructuring in an electronic bill payment system | GRANT | 2011-03-29 | 2006-08-17 | 39102544 | Good | Mastercard International Inc | Mastercard International Inc |
| US20030163739A1 | 0.581 | Robust multi-factor authentication for secure application environments | APPLICATION | 2003-08-28 | 2002-02-28 | 27753795 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US20140137199A1 | 0.581 | METHOD AND SYSTEM FOR AUTHENTICATING INTERNET USERS | APPLICATION | 2014-05-15 | 2005-04-26 | 50683079 | Good | Spriv LLC | Spriv LLC |
| US20120203680A1 | 0.581 | SYSTEM FOR AUTOMATICALLY TRANSFERRING ACCOUNT INFORMATION SUCH AS INFORMATION REGARDING A FINANCIAL SERVICES ACCOUNT | APPLICATION | 2012-08-09 | 2004-06-18 | 35785707 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US8175969B2 | 0.581 | Architecture and method for bill presentment using a web-based tool | GRANT | 2012-05-08 | 2003-06-02 | 40347415 | Good | Oracle International Corp | Oracle International Corp |
| US8560436B2 | 0.581 | System and method for assessing credit risk in an on-line lending environment | GRANT | 2013-10-15 | 2009-11-10 | 43974898 | Good | Neobanx Tech Inc | Neobanx Tech Inc |
| US20050058262A1 | 0.580 | Communications methods and systems using voiceprints | APPLICATION | 2005-03-17 | 2003-03-31 | 32989882 | Good | ||
| US20100130172A1 | 0.580 | FRAUD PREVENTION TECHNIQUES | APPLICATION | 2010-05-27 | 2008-11-26 | 42196789 | Good | RingCentral Inc | RingCentral Inc |
| US20110313921A1 | 0.580 | Internetworking Between P2P Networks | APPLICATION | 2011-12-22 | 2009-12-14 | 44226761 | Good | CASH EDGE Inc | Cashedge Inc, CASH EDGE Inc |
| EP0540234A2 | 0.580 | Monitoring of charges debited to an account having an assigned limit | GRANT | 1993-05-05 | 1991-10-31 | 25137852 | Good | American Telephone and Telegraph Co Inc, AT&T Corp | AT&T Corp |
| US20110264581A1 | 0.580 | Systems and Methods to Provide Market Analyses and Alerts | APPLICATION | 2011-10-27 | 2010-04-23 | 44816625 | Good | Visa USA Inc | Visa USA Inc |
| US6938821B2 | 0.579 | Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources | GRANT | 2005-09-06 | 2000-09-18 | 24665016 | Good | E Micro Corp | Stripe Inc |
| US7769998B2 | 0.579 | Method and apparatus to authenticate and authorize user access to a system | GRANT | 2010-08-03 | 2003-06-26 | 33567667 | Good | eBay Inc | PayPal Inc |
| US20020120537A1 | 0.579 | Web based system and method for managing business to business online transactions | APPLICATION | 2002-08-29 | 2001-02-28 | 25166885 | Good | Surepay LP | Velosant LP |
| US20090210886A1 | 0.578 | Method and system for defining financial transaction notification preferences | APPLICATION | 2009-08-20 | 2008-02-19 | 40956367 | Good | ||
| US7873200B1 | 0.578 | Systems and methods for remote deposit of checks | GRANT | 2011-01-18 | 2006-10-31 | 43478579 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| USRE39376E1 | 0.578 | System for accessing amenities through a public telephone network | GRANT | 2006-11-07 | 1991-01-11 | 24566726 | Good | SVI Systems Inc | SVI Systems Inc |
| US8989785B2 | 0.578 | Method of providing voicemails to a wireless information device | GRANT | 2015-03-24 | 2003-04-22 | 32395893 | Good | Nuance Communications Inc | Nuance Communications Inc |
| US7299364B2 | 0.577 | Method and system to maintain application data secure and authentication token for use therein | GRANT | 2007-11-20 | 2002-04-09 | 32067749 | Good | University of Michigan | University of Michigan |
| US7450928B1 | 0.577 | Methods for providing overdraft protection for post-paid communication service plans | GRANT | 2008-11-11 | 2004-01-09 | 39940877 | Good | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US8073777B2 | 0.577 | Integrated business systems for web based telecommunications management | GRANT | 2011-12-06 | 1997-09-26 | 22030944 | Good | Verizon Business Global LLC | Verizon Patent and Licensing Inc |
| WO2003079660A1 | 0.577 | METHOD AND SYSTEM FOR RE-DIRECTION AND HANDOFF FOR PRE-PAID MOBILE SERVICES IN THIRD GENERATION NETWORKS | APPLICATION | 2003-09-25 | 2002-03-14 | 28039252 | Good | ||
| US7028052B2 | 0.576 | Systems and methods for notifying a consumer of changes made to a credit report | GRANT | 2006-04-11 | 2001-05-10 | 25313748 | Good | Equifax Inc | Equifax Inc |
| US20090055904A1 | 0.576 | Distributed Authentication System and Distributed Authentication Method | APPLICATION | 2009-02-26 | 2006-02-17 | 38371548 | Good | NEC Corp | NEC Corp |
| US9712486B2 | 0.576 | Techniques for the deployment and management of network connected devices | GRANT | 2017-07-18 | 2006-09-25 | 55526863 | Good | WEAVED Inc | Remot3it Inc |
| US6128602A | 0.576 | Open-architecture system for real-time consolidation of information from multiple financial systems | GRANT | 2000-10-03 | 1997-10-27 | 26743608 | Good | Bank of America Corp | Bank of America Corp |
| US20070219905A1 | 0.576 | PAYMENT AUTHORIZATION SYSTEM FOR FINANCIAL TRANSACTIONS USING A MESH-CAPABLE DEVICE | APPLICATION | 2007-09-20 | 2005-12-21 | 38519092 | Good | ONCOURSE SERVICES Inc | ONCOURSE SERVICES Inc |
| US20020152166A1 | 0.576 | Method and apparatus for incorporating scanned checks into financial applications | APPLICATION | 2002-10-17 | 2001-04-12 | 25264165 | Good | International Business Machines Corp | PayPal Inc |
| US20070094129A1 | 0.576 | System and method for adding value to a stored-value account using provider specific pin | APPLICATION | 2007-04-26 | 2003-12-19 | 37986437 | Good | E2interactive Inc | E2interactive Inc |
| US4755940A | 0.575 | Transaction security system | GRANT | 1988-07-05 | 1983-09-17 | 10548917 | Good | International Business Machines Corp | International Business Machines Corp |
| US6226364B1 | 0.575 | Method and system for providing prepaid and credit-limited telephone services | GRANT | 2001-05-01 | 1997-12-08 | 25532949 | Good | BellSouth Intellectual Property Management Corp | Xylon LLC, Hanger Solutions LLC |
| US5585787A | 0.575 | Programmable credit card | GRANT | 1996-12-17 | 1991-12-09 | 26929519 | Good | ||
| US4891503A | 0.575 | Distributed authorization system | GRANT | 1990-01-02 | 1988-03-29 | 22637743 | Good | Gascard Inc | GASCARD CLUB Inc, GASCARD CLUB Inc A CORP OF, Gascard Inc |
| US20110302067A1 | 0.574 | Address billing computer database electronic commerce payment codes | APPLICATION | 2011-12-08 | 2010-06-08 | 45065233 | Good | ||
| US20040078424A1 | 0.574 | Web services via instant messaging | APPLICATION | 2004-04-22 | 2002-10-16 | 32092453 | Good | Nokia Oyj | Nokia Solutions and Networks Oy |
| US6973575B2 | 0.574 | System and method for voice recognition password reset | GRANT | 2005-12-06 | 2001-04-05 | 25248260 | Good | International Business Machines Corp | Nuance Communications Inc |
| US20060235775A1 | 0.574 | System and method for making a payment from a financial account | APPLICATION | 2006-10-19 | 1992-10-15 | 37037379 | Good | ||
| US6704039B2 | 0.573 | Method and system for computer-aided telecommunication and financial transactions | GRANT | 2004-03-09 | 1999-10-16 | 25495949 | Good | JOHN ANGELO LASTELLA & SIX TOE LLC | JOHN ANGELO LASTELLA & SIX TOE LLC |
| US7606752B2 | 0.573 | Host exchange in bill paying services | GRANT | 2009-10-20 | 2006-09-07 | 39158076 | Good | Yodlee com Inc | Yodlee com Inc |
| US5955961A | 0.573 | Programmable transaction card | GRANT | 1999-09-21 | 1991-12-09 | 46253150 | Good | ||
| US6289452B1 | 0.573 | Method and system for delivering digital products electronically | GRANT | 2001-09-11 | 1997-11-07 | 25510572 | Good | CyberSource Corp | CyberSource Corp |
| US8504394B2 | 0.573 | System and method for processing of data related to requests for quotes for property and casualty insurance | GRANT | 2013-08-06 | 2003-12-30 | 34703754 | Good | Hartford Fire Insurance Co | Hartford Fire Insurance Co |
| US7024548B1 | 0.573 | Methods and apparatus for auditing and tracking changes to an existing configuration of a computerized device | GRANT | 2006-04-04 | 2003-03-10 | 36102147 | Good | Cisco Technology Inc | Cisco Technology Inc |
| US7783578B2 | 0.573 | System for providing cardless payment | GRANT | 2010-08-24 | 2001-09-21 | 25498941 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20110246196A1 | 0.573 | INTEGRATED VOICE BIOMETRICS CLOUD SECURITY GATEWAY | APPLICATION | 2011-10-06 | 2010-03-30 | 44710678 | Good | Aspen Networks Inc | ACK3 BIONETICS PRIVATE Ltd |
| US9036621B2 | 0.573 | System for deploying voice over internet protocol services | GRANT | 2015-05-19 | 2007-06-19 | 40136402 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US20110035284A1 | 0.573 | LOCATION-AWARE CONTENT AND LOCATION-BASED ADVERTISING WITH A MOBILE DEVICE | APPLICATION | 2011-02-10 | 2009-08-06 | 43535537 | Good | Golba LLC | Golba LLC |
| US7765153B2 | 0.573 | Method and apparatus for verifying financial account information | GRANT | 2010-07-27 | 2003-06-10 | 33299623 | Good | Kagi Inc | ISX IP Ltd |
| US5862325A | 0.573 | Computer-based communication system and method using metadata defining a control structure | GRANT | 1999-01-19 | 1996-02-29 | 27085954 | Good | Intermind Corp | Intermind Corp |
| US8055904B1 | 0.572 | Systems and methods for software application security management | GRANT | 2011-11-08 | 2006-10-19 | 44882618 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US9256904B1 | 0.572 | Multi-bureau credit file freeze and unfreeze | GRANT | 2016-02-09 | 2008-08-14 | 55235632 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US7139734B2 | 0.572 | Preferred credit information data collection method | GRANT | 2006-11-21 | 2002-12-04 | 32467824 | Good | PAY RENT BUILD CREDIT Inc | PAY RENT BUILD CREDIT Inc |
| US7194416B1 | 0.572 | Interactive creation and adjudication of health care insurance claims | GRANT | 2007-03-20 | 1998-12-03 | 22759885 | Good | P5 Inc | PPS Data LLC |
| US9572025B2 | 0.572 | Method server computer program and computer program product for communicating with secure element | GRANT | 2017-02-14 | 2009-04-16 | 42982709 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US8001051B1 | 0.572 | Systems and methods to modify a negotiable instrument | GRANT | 2011-08-16 | 2007-10-30 | 44358637 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7729959B1 | 0.571 | Web-based entry of financial transaction information and subsequent download of such information | GRANT | 2010-06-01 | 1999-09-03 | 23541236 | Good | Intuit Inc | Intuit Inc |
| WO2006091301A2 | 0.571 | PASSCODES | APPLICATION | 2006-08-31 | 2005-01-24 | 36927877 | Good | ||
| US7249113B1 | 0.571 | System and method for facilitating the handling of a dispute | GRANT | 2007-07-24 | 2000-03-29 | 38266957 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US4947028A | 0.571 | Automated order and payment system | GRANT | 1990-08-07 | 1988-07-19 | 25673974 | Good | Arbor International Inc | Visa International Service Association |
| US8738693B2 | 0.571 | System and method for managing distribution of media files | GRANT | 2014-05-27 | 2004-07-09 | 37743862 | Good | Qualcomm Inc | Qualcomm Inc, Qualcomm Atheros Inc |
| US7614546B2 | 0.570 | Method and system for deterring product counterfeiting diversion and piracy | GRANT | 2009-11-10 | 2005-02-03 | 36777943 | Good | YottaMark Inc | Trimble Inc |
| US20050080716A1 | 0.570 | Data validation systems and methods for use in financial transactions | APPLICATION | 2005-04-14 | 2003-09-25 | 34421999 | Good | First Data Corp | First Data Corp |
| US7281652B2 | 0.570 | Point-of-sale provider evaluation | GRANT | 2007-10-16 | 2005-05-18 | 37447425 | Good | Foss Swim School LLC | Foss Swim School LLC |
| US20060004626A1 | 0.570 | Targeted marketing for subscriptions | APPLICATION | 2006-01-05 | 2002-10-31 | 35515150 | Good | Catilina Marketing International Inc | Catalina Marketing Corp |
| US20130311180A1 | 0.570 | REMOTE ACCESS SYSTEM AND METHOD AND INTELLIGENT AGENT THEREFOR | APPLICATION | 2013-11-21 | 2004-05-21 | 35428668 | Good | Voice On Go Inc | Voice On Go Inc |
| US10521781B1 | 0.569 | Wireless electronic check deposit scanning and cashing machine with webbased online account cash management computer application system | GRANT | 2019-12-31 | 2003-10-30 | 34557373 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20030130892A1 | 0.569 | Frequent customer points management method and system | APPLICATION | 2003-07-10 | 2002-01-07 | 19190534 | Good | Hitachi Ltd | Hitachi Ltd |
| US8447272B2 | 0.569 | Authentication and human recognition transaction using a mobile device with an accelerometer | GRANT | 2013-05-21 | 2009-11-25 | 44188152 | Good | Visa International Service Association | Visa International Service Association |
| US20080306846A1 | 0.569 | System and Method for a Frame-Based Internet Enabled User Interface | APPLICATION | 2008-12-11 | 2003-10-31 | 40096737 | Good | Yodlee com Inc | Yodlee com Inc |
| US20140246492A1 | 0.569 | DEVICE SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION | APPLICATION | 2014-09-04 | 2005-09-28 | 37900490 | Good | Visa International Service Association | Visa International Service Association |
| US7120419B2 | 0.568 | Generating one or more triggered operations to prepaid service node based on connection with intelligent peripheral component | GRANT | 2006-10-10 | 2003-12-15 | 34653844 | Good | Nokia of America Corp | Nokia of America Corp, Provenance Asset Group LLC, Nokia USA Inc |
| US8498914B2 | 0.568 | Method and system for increasing client participation in a network-based bill pay service | GRANT | 2013-07-30 | 2007-05-01 | 39940282 | Good | Yodlee com Inc | Yodlee com Inc |
| US9400875B1 | 0.568 | Content routing with rights management | GRANT | 2016-07-26 | 2005-02-11 | 56410966 | Good | Nokia Oyj | Nokia Technologies Oy |
| US8489478B2 | 0.568 | Virtual terminal for payment processing | GRANT | 2013-07-16 | 2006-09-14 | 39275715 | Good | E2interactive Inc | E2interactive Inc |
| US5420405A | 0.568 | Secure automated transaction system that supports an electronic currency operating in mixed debit & credit modes | GRANT | 1995-05-30 | 1993-02-26 | 21813243 | Good | CURSYS Inc (NOW CURRENCY SCIENTIFIC INC) | CURSYS Inc (NOW CURRENCY SCIENTIFIC INC) |
| US9058627B1 | 0.568 | Circular rotational interface for display of consumer credit information | GRANT | 2015-06-16 | 2002-05-30 | 53279928 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20070220275A1 | 0.568 | WEB AUTHORIZATION BY AUTOMATED INTERACTIVE PHONE OR VoIP SESSION | APPLICATION | 2007-09-20 | 2006-02-14 | 38519345 | Good | Snapvine Inc | WHITEPAGESCOM Inc |
| US6219439B1 | 0.567 | Biometric authentication system | GRANT | 2001-04-17 | 1998-07-09 | 26785387 | Good | Biometric Technology Holdings LLC | Biometric Technology Holdings LLC |
| US20020013727A1 | 0.567 | System for advertising on a network by displaying guide codes | APPLICATION | 2002-01-31 | 2000-07-27 | 19680228 | Good | ||
| US7556192B2 | 0.567 | Systems and methods for decisioning or approving a financial credit account based on a customer's check-writing behavior | GRANT | 2009-07-07 | 2005-08-04 | 37718730 | Good | Capital One Financial Corp | Capital One Services LLC |
| US9015492B2 | 0.567 | Device system and method for recording personal encounter history | GRANT | 2015-04-21 | 2006-12-15 | 39527922 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US20090187405A1 | 0.567 | Arrangements for Using Voice Biometrics in Internet Based Activities | APPLICATION | 2009-07-23 | 2008-01-18 | 40877141 | Good | International Business Machines Corp | Activision Publishing Inc |
| US20080147523A1 | 0.567 | Method and apparatus for transaction management | APPLICATION | 2008-06-19 | 2006-12-18 | 39528701 | Good | Mastercard International Inc | Mastercard International Inc |
| US20070288377A1 | 0.567 | SYSTEM AND METHOD FOR AUTHENTICATING A CUSTOMER'S IDENTITY AND COMPLETING A SECURE CREDIT CARD TRANSACTION WITHOUT THE USE OF A CREDIT CARD NUMBER | APPLICATION | 2007-12-13 | 2006-04-26 | 38833833 | Good | YS SHAKED HOLDINGS Ltd | YS SHAKED HOLDINGS Ltd |
| US4900903A | 0.566 | Automated transaction system with insertable cards for transferring account data | GRANT | 1990-02-13 | 1986-11-26 | 26946732 | Good | WRIGHT Tech LP | WRICHT TECHNOLOGIES LP A PARTNERSHIP OF DE, WRIGHT Tech LP |
| US8200966B2 | 0.566 | Secure network access | GRANT | 2012-06-12 | 2001-02-15 | 3710493 | Good | EWISE SYSTEMS Pty Ltd | EWISE SYSTEMS Pty Ltd |
| US8746581B2 | 0.566 | Techniques for providing an electronic representation of a card | GRANT | 2014-06-10 | 2007-06-19 | 40753927 | Good | CodeBroker LLC | CodeBroker LLC |
| US7756787B1 | 0.566 | Bill payment optimization using a genetic algorithm | GRANT | 2010-07-13 | 2003-01-22 | 42314187 | Good | Intuit Inc | Intuit Inc |
| US8694420B1 | 0.566 | System and method for outputting a credit risk report based on debit data | GRANT | 2014-04-08 | 2001-12-05 | 50391923 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US20120323781A1 | 0.566 | COMMUNICATION SYSTEM SETTLEMENT MANAGEMENT APPARATUS AND METHOD PORTABLE INFORMATION TERMINAL AND INFORMATION PROCESSING METHOD AND PROGRAM | APPLICATION | 2012-12-20 | 2003-03-19 | 33291304 | Good | Sony Corp | Sony Corp |
| US8073736B2 | 0.566 | Systems and methods for redeeming rewards associated with accounts | GRANT | 2011-12-06 | 1998-04-24 | 29554403 | Good | First Data Corp | First Data Corp |
| US10412231B2 | 0.566 | System and method for determining and associating tariff rates for institutional calls | GRANT | 2019-09-10 | 2004-04-27 | 41400328 | Good | VALUE-ADDED COMMUNICATIONS Inc | VALUE-ADDED COMMUNICATIONS Inc |
| US10380559B1 | 0.566 | Systems and methods for check representment prevention | GRANT | 2019-08-13 | 2007-03-15 | 67543919 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20080201578A1 | 0.565 | Computer security using visual authentication | APPLICATION | 2008-08-21 | 2007-02-15 | 39707668 | Good | CRYPTOPHOTOCOM PTY Ltd | CRYPTOPHOTOCOM PTY Ltd |
| US20050042983A1 | 0.565 | Device appliances and methods for the diffusion billing payment and playback of digital media contents | APPLICATION | 2005-02-24 | 2001-08-24 | 26009964 | Good | VIRTUAL PAPER EMEDIA SOLUTIONS GmbH | VIRTUAL PAPER EMEDIA SOLUTIONS GmbH |
| US6061668A | 0.564 | Control system for pay-per-use applications | GRANT | 2000-05-09 | 1997-11-10 | 25513145 | Good | ||
| US20040010458A1 | 0.564 | Methods and systems for organizing information from multiple sources | APPLICATION | 2004-01-15 | 2002-07-10 | 30114597 | Good | First Data Corp | First Data Corp |
| US8180904B1 | 0.564 | Data routing and management with routing path selectivity | GRANT | 2012-05-15 | 2001-04-26 | 46033324 | Good | Nokia Oyj | Nokia Technologies Oy |
| US4827508A | 0.564 | Database usage metering and protection system and method | GRANT | 1989-05-02 | 1986-10-14 | 25439822 | Good | Personal Library Software Inc | Electronic Publishing Resources Inc |
| US6807533B1 | 0.564 | Web-based method and system for managing account receivables | GRANT | 2004-10-19 | 2000-05-02 | 24249240 | Good | GE Canada Equipment Finance GP | GE Canada Equipment Finance GP |
| US6556818B1 | 0.564 | Fixed calling party pays charges | GRANT | 2003-04-29 | 2000-04-24 | 24220733 | Good | Bell Atlantic Mobile Inc | Bell Atlantic Mobile Systems LLC |
| US7634651B1 | 0.563 | Secure data transmission web service | GRANT | 2009-12-15 | 2005-10-21 | 41403373 | Good | Intuit Inc | Intuit Inc |
| US20090171838A1 | 0.563 | SYSTEMS AND METHODS WHEREIN A CREDIT PRODUCT IS OFFERED IN ACCORDANCE WITH USAGE OF A PRE-PAID CARD ACCOUNT | APPLICATION | 2009-07-02 | 2007-12-27 | 40799692 | Good | Mastercard International Inc | Mastercard International Inc |
| US20020069122A1 | 0.563 | Method and system for maximizing credit card purchasing power and minimizing interest costs over the internet | APPLICATION | 2002-06-06 | 2000-02-22 | 22675181 | Good | ||
| US7353541B1 | 0.562 | Systems and methods for content distribution using one or more distribution keys | GRANT | 2008-04-01 | 1999-09-07 | 27566721 | Good | Sony Corp | Sony Corp |
| US8234498B2 | 0.562 | Screening using a personal identification code | GRANT | 2012-07-31 | 2005-07-25 | 37680401 | Good | Transunion Rental Screening Solutions Inc | Transunion Rental Screening Solutions Inc |
| US20070078985A1 | 0.562 | Method system and computer program product for preventing illegal user from logging in | APPLICATION | 2007-04-05 | 2005-06-16 | 37519868 | Good | International Business Machines Corp | International Business Machines Corp |
| US20090103732A1 | 0.562 | Method of personalizing a NFC Chipset | APPLICATION | 2009-04-23 | 2007-10-23 | 39535852 | Good | Inside Contactless SA | Verimatrix France SAS |
| US20120311433A1 | 0.562 | PAYMENT MECHANISM INTEGRATION WIZARD | APPLICATION | 2012-12-06 | 2008-07-11 | 41506010 | Good | eBay Inc | PayPal Inc |
| US7069249B2 | 0.562 | Electronic purchase of goods over a communications network including physical delivery while securing private and personal information of the purchasing party | GRANT | 2006-06-27 | 1999-07-26 | 23419497 | Good | iPrivacy LLC | iPrivacy LLC |
| US8370340B1 | 0.562 | User location reputation system | GRANT | 2013-02-05 | 2009-08-07 | 46689888 | Good | Google LLC | Google LLC |
| US8046301B1 | 0.562 | Systems and methods to modify a negotiable instrument | GRANT | 2011-10-25 | 2007-10-30 | 44801450 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7314166B2 | 0.561 | System and method for calculating recommended charge limits | GRANT | 2008-01-01 | 2004-06-16 | 37073767 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US5291543A | 0.561 | Cellular telephone real time account administration system | GRANT | 1994-03-01 | 1990-12-05 | 24494432 | Good | Subscriber Computing Inc | BILLWISE Inc, Transamerica Business Credit Corp |
| US20060036544A1 | 0.561 | On-line payment method | APPLICATION | 2006-02-16 | 2002-11-18 | 32322733 | Good | ||
| US7774270B1 | 0.561 | Credit report lock system | GRANT | 2010-08-10 | 2004-08-19 | 42536638 | Good | Transunion Intelligence LLC | Transunion Intelligence LLC |
| US7512221B2 | 0.560 | System and method for the detection and termination of fraudulent services | GRANT | 2009-03-31 | 2002-07-31 | 26247099 | Good | Cerebrus Solutions Ltd | Cerebrus Solutions Ltd |
| US6247000B1 | 0.560 | Method and system for confirmation and settlement for financial transactions matching | GRANT | 2001-06-12 | 1996-08-21 | 26727611 | Good | Crossmar Inc | Citibank NA |
| US20090248483A1 | 0.560 | METHODS AND SYSTEMS FOR DYNAMICALLY GENERATING COUPONS ASSOCIATED WITH PRESENTATION INSTRUMENTS | APPLICATION | 2009-10-01 | 2008-03-28 | 41114590 | Good | First Data Corp | First Data Corp |
| US20090164380A1 | 0.560 | FINANCIAL TRANSACTION NETWORK | APPLICATION | 2009-06-25 | 2006-12-20 | 40821665 | Good | Fitbit Inc | Fitbit Inc |
| US20050054325A1 | 0.560 | Method for authenticating and charging a subscriber of a radio network | APPLICATION | 2005-03-10 | 2002-11-26 | 32241270 | Good | Siemens AG | Nokia Solutions and Networks GmbH and Co KG |
| US20090098825A1 | 0.560 | METHOD AND MOBILE TERMINAL DEVICE INCLUDING SMARTCARD MODULE AND NEAR FIELD COMMUNICATIONS | APPLICATION | 2009-04-16 | 2005-03-07 | 36952975 | Good | Nokia Oyj | Nokia Technologies Oy |
| US7577665B2 | 0.560 | User characteristic influenced search results | GRANT | 2009-08-18 | 2005-09-14 | 37888369 | Good | Jumptap Inc | Verizon Media Inc |
| US7444518B1 | 0.560 | Method and apparatus for communicating authorization data | GRANT | 2008-10-28 | 2003-06-16 | 39874416 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20100248681A1 | 0.560 | METHOD AND SYSTEM FOR PRODUCING EMERGENCY NOTIFICATIONS | APPLICATION | 2010-09-30 | 2009-03-27 | 42784893 | Good | ||
| WO2006069082A2 | 0.560 | ACCESS KEYS | APPLICATION | 2006-06-29 | 2004-12-20 | 36602274 | Good | ||
| US20040225887A1 | 0.559 | Centralized authentication system | APPLICATION | 2004-11-11 | 2003-05-08 | 33416544 | Good | BellSouth Intellectual Property Corp | AT&T Intellectual Property I LP |
| US7734541B2 | 0.559 | Interactive funds transfer interface | GRANT | 2010-06-08 | 1998-12-08 | 27559005 | Good | Yodlee com Inc | Yodlee com Inc |
| US7012503B2 | 0.559 | Electronic key device a system and a method of managing electronic key information | GRANT | 2006-03-14 | 1999-11-30 | 8107458 | Good | Bording Data AS | Smart Lock LLC |
| US7756789B2 | 0.559 | Method and system for debt recovery | GRANT | 2010-07-13 | 2003-09-11 | 36146567 | Good | Capital One Financial Corp | Capital One Services LLC |
| US8224747B2 | 0.559 | Interactive funds transfer interface | GRANT | 2012-07-17 | 1998-12-08 | 33514928 | Good | Yodlee com Inc | Yodlee com Inc |
| US7840674B1 | 0.559 | Routing messages across a network in a manner that ensures that non-idempotent requests are processed | GRANT | 2010-11-23 | 2004-05-10 | 43087379 | Good | Intuit Inc | Intuit Inc |
| US20150127538A1 | 0.557 | SIGNAL DETECTION AND BLOCKING FOR VOICE PROCESSING EQUIPMENT | APPLICATION | 2015-05-07 | 2008-05-09 | 39571074 | Good | SEMAFONE Ltd | SEMAFONE Ltd |
| US20090319360A1 | 0.557 | Goods/Information Distribution Method by an ATM Terminal Without Using a Debit/Credit Card | APPLICATION | 2009-12-24 | 2006-07-24 | 37944861 | Good | ||
| US20130018657A1 | 0.557 | Method and System for Bio-Metric Voice Print Authentication | APPLICATION | 2013-01-17 | 2005-05-27 | 37452992 | Good | Porticus Tech Inc | Porticus Tech Inc |
| US8095443B2 | 0.557 | Debt trending systems and methods | GRANT | 2012-01-10 | 2008-06-18 | 41432231 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US7668738B2 | 0.557 | Insurance claim filing system and method | GRANT | 2010-02-23 | 2000-06-01 | 26903290 | Good | Blue Cross Blue Shield of South Carolina | Blue Cross Blue Shield of South Carolina |
| US20110270618A1 | 0.557 | MOBILE COMMERCE SYSTEM | APPLICATION | 2011-11-03 | 2010-04-30 | 44858998 | Good | Bank of America Corp | Bank of America Corp |
| US20090006230A1 | 0.557 | Identity Risk Scoring | APPLICATION | 2009-01-01 | 2007-06-27 | 40161742 | Good | Fiserv Inc | Fiserv Inc |
| US6993320B1 | 0.557 | Method and device for accessing a telecommunications network and for billing telecommunication services | GRANT | 2006-01-31 | 1999-06-21 | 26004829 | Good | T Mobile Deutschland GmbH | Telekom Deutschland GmbH |
| US20030196109A1 | 0.557 | Method and apparatus for content transaction aggregation | APPLICATION | 2003-10-16 | 2000-08-28 | 26948848 | Good | Contentguard Holdings Inc | Contentguard Holdings Inc |
| US10417641B2 | 0.557 | System and/or method for handling recalled product purchases and/or return/warranty requests | GRANT | 2019-09-17 | 2009-09-11 | 44012021 | Good | E2interactive Inc | E2interactive Inc |
| US20070235539A1 | 0.556 | Mobile device with near field communication module and secure chip | APPLICATION | 2007-10-11 | 2006-04-05 | 38574147 | Good | Nokia Oyj | Nokia Oyj |
| US7415729B2 | 0.556 | Storage device | GRANT | 2008-08-19 | 2002-06-19 | 30437005 | Good | Hitachi Ltd | Hitachi Ltd, Renesas Electronics Corp, Netezza Corp |
| US20060173776A1 | 0.556 | A Method of Authentication | APPLICATION | 2006-08-03 | 2005-01-28 | 36757817 | Good | ||
| US7330717B2 | 0.556 | Rule-based system and method for managing the provisioning of user applications on limited-resource and/or wireless devices | GRANT | 2008-02-12 | 2001-02-23 | 33434855 | Good | Nokia of America Corp | Alcatel Lucent SAS |
| US20110208601A1 | 0.556 | SYSTEM AND METHOD FOR FINANCIAL TRANSACTION AUTHENTICATION USING TRAVEL INFORMATION | APPLICATION | 2011-08-25 | 2010-02-19 | 44477285 | Good | FINSHPERE CORP | Visa International Service Association, FINSHPERE CORP |
| US6985887B1 | 0.555 | Apparatus and method for authenticated multi-user personal information database | GRANT | 2006-01-10 | 1999-03-19 | 35517909 | Good | Suncrest LLC | GOLD STANDARD Tech LLC |
| US8401875B2 | 0.555 | Secured personal data handling and management system | GRANT | 2013-03-19 | 2010-03-12 | 44560609 | Good | OS New Horizons Personal Computing Solutions Ltd | OS - NEW HORIZONS PERSONAL COMPUTING SOLUTIONS Ltd, OS New Horizons Personal Computing Solutions Ltd |
| US20090177562A1 | 0.555 | SYSTEMS AND METHODS FOR PROVIDING ACH TRANSACTION NOTIFICATION AND FACILITATING ACH TRANSACTION DISPUTES | APPLICATION | 2009-07-09 | 2008-01-04 | 40845338 | Good | Alkami Technology Inc | Alkami Technology Inc |
| US7844522B2 | 0.555 | Method and apparatus for monitoring and verifying a transfer of financial settings | GRANT | 2010-11-30 | 2007-10-30 | 40584115 | Good | Intuit Inc | Intuit Inc |
| US20040143547A1 | 0.555 | Automated accounts payable using image typing and type specific processing | APPLICATION | 2004-07-22 | 2002-07-02 | 32717009 | Good | ||
| US20080103836A1 | 0.554 | Medical document attachment handling | APPLICATION | 2008-05-01 | 2006-10-31 | 39331427 | Good | AthenaHealth Inc | AthenaHealth Inc |
| US20020087488A1 | 0.554 | System and method of tracking vehicle information and bill consolidation | APPLICATION | 2002-07-04 | 2000-11-07 | 26684171 | Good | Gelco Corp | Gelco Corp |
| US20020029192A1 | 0.553 | Settlement method and system | APPLICATION | 2002-03-07 | 2000-06-29 | 18695243 | Good | Hitachi Ltd | Hitachi Ltd, Mitsubishi HC Capital Inc |
| US20140308935A1 | 0.553 | CALL INTERCEPT METHODS SUCH AS FOR CUSTOMER SELF-SUPPORT ON A MOBILE DEVICE | APPLICATION | 2014-10-16 | 2004-02-20 | 34916518 | Good | Nuance Communications Inc | Nuance Communications Inc |
| US7503489B2 | 0.553 | Method and system for monitoring electronic purchases and cash-withdrawals | GRANT | 2009-03-17 | 2005-04-26 | 37185830 | Good | BPRIV LLC | LOCKIP LLC, Spriv LLC |
| US20080077526A1 | 0.553 | ONLINE PAYER AUTHORIZATION SYSTEMS AND METHODS | APPLICATION | 2008-03-27 | 2006-09-20 | 39201823 | Good | First Data Corp | First Data Corp |
| US6075982A | 0.553 | Wireless prepaid platform integration with standard signaling | GRANT | 2000-06-13 | 1997-09-23 | 25467725 | Good | MCI Communications Corp | Verizon Patent and Licensing Inc |
| US20100324999A1 | 0.553 | ADVERTISEMENT PROXY SERVICE | APPLICATION | 2010-12-23 | 2009-06-22 | 43355108 | Good | Mobicious Inc | Synchronoss Technologies Inc, Mobicious Inc |
| US20100250338A1 | 0.552 | TRANSACTION RECURRENCE ENGINE | APPLICATION | 2010-09-30 | 2009-03-27 | 42781544 | Good | Bank of America Corp | Bank of America Corp |
| US20090327108A1 | 0.552 | System and method for online bill payment | APPLICATION | 2009-12-31 | 2008-06-25 | 41448623 | Good | THOMSON RUETER (TAX & ACCOUNTING) SERVICES Inc | Thomson Reuters Enterprise Centre GmbH |
| US20130066783A1 | 0.552 | METHOD FOR PRODUCING A TRANSACTION SIGNAL | APPLICATION | 2013-03-14 | 2010-05-25 | 44527140 | Good | PayCash Labs AG | Mercedes Pay AG |
| US5914472A | 0.552 | Credit card spending authorization control system | GRANT | 1999-06-22 | 1997-09-23 | 25468042 | Good | AT&T Corp | Citicorp USA Inc |
| US8856236B2 | 0.551 | Messaging response system | GRANT | 2014-10-07 | 2002-04-02 | 29782504 | Good | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US20040006536A1 | 0.551 | Electronic money system | APPLICATION | 2004-01-08 | 2001-06-11 | 26616686 | Good | Sony Corp | Sony Corp |
| US20100250379A1 | 0.551 | INTERACTIVE INTERCHANGE RATE DECISIONING | APPLICATION | 2010-09-30 | 2009-03-30 | 42785417 | Good | Bank of America Corp | Bank of America Corp |
| US6549904B1 | 0.551 | Auction notification system | GRANT | 2003-04-15 | 1999-06-25 | 23351204 | Good | Amazon com Inc | Amazon Technologies Inc |
| US5590038A | 0.551 | Universal electronic transaction card including receipt storage and system and methods of conducting electronic transactions | GRANT | 1996-12-31 | 1994-06-20 | 22996979 | Good | Mastercard Mobile Transaction Solutions Inc | Mastercard Mobile Transaction Solutions Inc |
| US7013125B2 | 0.551 | Replenishment of prepaid accounts during multimedia sessions | GRANT | 2006-03-14 | 2001-06-08 | 25370781 | Good | Nokia of America Corp | Beijing Xiaomi Mobile Software Co Ltd |
| US8799147B1 | 0.551 | Systems and methods for remote deposit of negotiable instruments with non-payee institutions | GRANT | 2014-08-05 | 2006-10-31 | 51229172 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20060173772A1 | 0.551 | Systems and methods for automated processing handling and facilitating a trade credit transaction | APPLICATION | 2006-08-03 | 2005-02-02 | 36757814 | Good | FTRANS CORP | FTRANS CORP |
| US8069066B2 | 0.551 | Workers' compensation information processing system | GRANT | 2011-11-29 | 2000-02-17 | 24014567 | Good | StoneRiver Pharmacy Solutions Inc | StoneRiver Pharmacy Solutions Inc |
| US20120089438A1 | 0.550 | POINT-OF-SALE-BASED MARKET TRACKING AND REPORTING | APPLICATION | 2012-04-12 | 2010-04-12 | 44761573 | Good | First Data Corp | First Data Corp |
| US20080092212A1 | 0.550 | Authentication Interworking | APPLICATION | 2008-04-17 | 2006-10-17 | 39304551 | Good | Mavenir Systems Inc | Mavenir Systems Inc |
| US7177846B2 | 0.550 | Technique for account authentication | GRANT | 2007-02-13 | 2002-07-29 | 30770242 | Good | Fiserv Inc | Fiserv Inc, CheckFree Services Corp |
| US6898711B1 | 0.550 | User authentication system and method for multiple process applications | GRANT | 2005-05-24 | 1999-01-13 | 34589820 | Good | International Business Machines Corp | International Business Machines Corp |
| US8001582B2 | 0.550 | Cross-network reputation for online services | GRANT | 2011-08-16 | 2008-01-18 | 40877529 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20120046974A1 | 0.550 | Unemployment Insurance Underwriting System | APPLICATION | 2012-02-23 | 2010-08-23 | 45594784 | Good | Bank of America Corp | Bank of America Corp |
| US8144850B2 | 0.549 | Logging calls according to call context | GRANT | 2012-03-27 | 2001-12-17 | 21810559 | Good | International Business Machines Corp | Daedalus Blue LLC |
| US8959238B2 | 0.549 | Systems methods and computer program products for providing access to web services via device authentication in an IMS network | GRANT | 2015-02-17 | 2007-01-18 | 39642343 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US8320944B1 | 0.549 | Method and system for creating/updating customer lists and profiles | GRANT | 2012-11-27 | 2010-01-04 | 47190949 | Good | Intuit Inc | Intuit Inc |
| US20050154914A1 | 0.549 | Service verifying system authentication requesting terminal service utilizing terminal and service providing method | APPLICATION | 2005-07-14 | 2002-10-16 | 32211549 | Good | NTT Docomo Inc | NTT Docomo Inc |
| US8768836B1 | 0.549 | System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image | GRANT | 2014-07-01 | 2000-02-18 | 50982204 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20070174448A1 | 0.548 | Method and system for notifying customers of transaction opportunities | APPLICATION | 2007-07-26 | 2000-04-14 | 38255470 | Good | Citicorp Development Center Inc | Citicorp Credit Services Inc USA |
| US20030224766A1 | 0.548 | Method and system for chargeable or authorized parking | APPLICATION | 2003-12-04 | 2002-04-10 | 28051767 | Good | Skidata AG | Skidata AG |
| US9003491B2 | 0.548 | Secure push and status communication between client and server | GRANT | 2015-04-07 | 2007-12-17 | 40755100 | Good | Microsoft Technology Licensing LLC | Microsoft Technology Licensing LLC |
| US20040058705A1 | 0.548 | Secure point-of-sale cellular telephone docking module system | APPLICATION | 2004-03-25 | 2001-12-21 | 31989904 | Good | E-MOOLACOM | E-MOOLACOM |
| US6829473B2 | 0.548 | Roaming and hand-off support for prepaid billing for wireless data networks | GRANT | 2004-12-07 | 2002-07-25 | 30773661 | Good | UTStarcom Inc | UTStarcom Inc |
| US5838314A | 0.548 | Digital video services system with optional interactive advertisement capabilities | GRANT | 1998-11-17 | 1996-02-21 | 24418491 | Good | Message Partners | Messager Partners, Message Partners |
| US8352564B1 | 0.547 | System and method for data collection and update utilizing surrogate e-mail addresses using a server | GRANT | 2013-01-08 | 2002-04-18 | 29218947 | Good | Intuit Inc | Intuit Inc |
| US20090143104A1 | 0.547 | Wireless smart card and integrated personal area network near field communication and contactless payment system | APPLICATION | 2009-06-04 | 2007-09-21 | 40202034 | Good | WIRELESS DYNAMICS Inc | WIRELESS DYNAMICS Inc |
| WO1991016691A1 | 0.547 | VALUE TRANSFER SYSTEM | APPLICATION | 1991-10-31 | 1990-04-12 | 10674365 | Good | ||
| US6859212B2 | 0.546 | Interactive transaction center interface | GRANT | 2005-02-22 | 1998-12-08 | 25247427 | Good | Yodlee com Inc | Yodlee com Inc |
| US20080207124A1 | 0.546 | Mobile Device With Near Field Communication Module And Secure Chip | APPLICATION | 2008-08-28 | 2006-04-05 | 39716443 | Good | Nokia Oyj | Nokia Technologies Oy |
| US7917581B2 | 0.546 | Call completion via instant communications client | GRANT | 2011-03-29 | 2002-04-02 | 46150351 | Good | Verizon Business Global LLC | Verizon Patent and Licensing Inc |
| US20140213220A1 | 0.546 | ADMINISTRATION OF ACCESS LISTS FOR FEMTOCELL SERVICE | APPLICATION | 2014-07-31 | 2008-05-13 | 41380451 | Good | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US7861287B2 | 0.545 | System and method for utilizing audit information for challenge/response during a password reset process | GRANT | 2010-12-28 | 2006-05-17 | 38713371 | Good | International Business Machines Corp | LinkedIn Corp |
| US20130218571A1 | 0.545 | SYSTEM AND METHOD FOR IDENTIFYING AND/OR AUTHENTICATING A SOURCE OF RECEIVED ELECTRONIC DATA BY DIGITAL SIGNAL PROCESSING AND/OR VOICE AUTHENTICATION | APPLICATION | 2013-08-22 | 1999-10-04 | 39189743 | Good | Dialware Inc | Dialware Inc |
| US20040111365A1 | 0.545 | Card transaction system and method on on-line and /or off-line | APPLICATION | 2004-06-10 | 2001-03-29 | 26638926 | Good | EBESTCARD Ltd | EBESTCARD Ltd |
| US5825863A | 0.545 | Prepaid limited usage calling card | GRANT | 1998-10-20 | 1995-12-11 | 32230566 | Good | Walker Asset Management LP | Inventor Holdings LLC |
| US8606631B2 | 0.545 | Chasing rewards associated with accounts | GRANT | 2013-12-10 | 1999-04-23 | 23150430 | Good | First Data Corp | First Data Corp |
| US7110978B1 | 0.544 | Internet-based money order system | GRANT | 2006-09-19 | 1999-05-10 | 23189984 | Good | First Data Corp | BIDPAYCOM Inc |
| US8126456B2 | 0.544 | Mobile communication device monitoring systems and methods | GRANT | 2012-02-28 | 2007-01-17 | 39636362 | Good | eAgency Inc | eAgency Inc |
| US7623844B2 | 0.544 | User authentication system and method | GRANT | 2009-11-24 | 2003-03-04 | 32962657 | Good | GameLogic Inc | Scientific Games Holdings Ltd |
| US7065526B2 | 0.544 | Scalable database management system | GRANT | 2006-06-20 | 2002-02-21 | 27733276 | Good | Intuit Inc | Quickbase Inc |
| US8160624B2 | 0.543 | System and method for assigning a senderID | GRANT | 2012-04-17 | 2010-05-26 | 45022543 | Good | Intuit Inc | Intuit Inc |
| US7343149B2 | 0.543 | Network support for credit card notification | GRANT | 2008-03-11 | 2005-06-13 | 37524681 | Good | Nokia of America Corp | Nokia of America Corp |
| US20020198828A1 | 0.543 | Modular business transactions platform | APPLICATION | 2002-12-26 | 2001-04-03 | 25243414 | Good | Bottomline Techonologies DE Inc | Bottomline Technlogies Inc |
| US8041640B2 | 0.543 | Method and system for account verification | GRANT | 2011-10-18 | 2006-05-02 | 38662252 | Good | Compucredit Intellectual Property Holdings Corp II | CC SERVE Corp |
| US6330575B1 | 0.542 | Web commerce tool kit for distributed payment processing | GRANT | 2001-12-11 | 1998-03-31 | 21976879 | Good | International Business Machines Corp | International Business Machines Corp |
| US20080028446A1 | 0.542 | SYSTEM AND METHOD OF EFFICIENT E-MAIL LINK EXPIRATION | APPLICATION | 2008-01-31 | 2006-07-25 | 38987938 | Good | MyPoints com Inc | MyPoints com Inc |
| US20080201401A1 | 0.542 | SECURE SERVER AUTHENTICATION AND BROWSING | APPLICATION | 2008-08-21 | 2004-08-20 | 34979955 | Good | ||
| US8473355B2 | 0.542 | System and method for electronic wallet conversion | GRANT | 2013-06-25 | 2002-12-06 | 34521563 | Good | Facebook Inc | Facebook Inc |
| US8930263B1 | 0.542 | Credit data analysis | GRANT | 2015-01-06 | 2003-05-30 | 52117389 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20030158815A1 | 0.542 | Information processing apparatus and information processing method | APPLICATION | 2003-08-21 | 2001-12-28 | 27604886 | Good | Sony Corp | Sony Corp |
| US8386341B2 | 0.541 | Apparatus systems and methods for applying billing options for multiple carriers for online multi-carrier multi-service parcel shipping management | GRANT | 2013-02-26 | 1999-10-06 | 33515016 | Good | Stamps com Inc, iShip Inc | Stamps com Inc, iShip Inc |
| US8976943B2 | 0.541 | Voice phone-based method and system to authenticate users | GRANT | 2015-03-10 | 2008-08-28 | 41725449 | Good | eBay Inc | PayPal Inc |
| US20030154162A1 | 0.541 | Credit report retrieval system including voice-based interface | APPLICATION | 2003-08-14 | 2002-02-11 | 27669272 | Good | TrueLink Inc | Transunion Interactive Inc |
| US20030028529A1 | 0.540 | Search engine account monitoring | APPLICATION | 2003-02-06 | 2001-08-03 | 26806214 | Good | Overture Services Inc | R2 Solutions LLC, Altaba Inc |
| US9190062B2 | 0.540 | User profiling for voice input processing | GRANT | 2015-11-17 | 2010-02-25 | 44477247 | Good | Apple Inc | Apple Inc |
| US20050059339A1 | 0.540 | Identification information issuing system | APPLICATION | 2005-03-17 | 2001-08-20 | 19078404 | Good | Code com Inc | Code com Inc |
| US20050097039A1 | 0.540 | Multiple credit card management system | APPLICATION | 2005-05-05 | 2003-11-05 | 34551597 | Good | ||
| US8966060B2 | 0.540 | Determination apparatus and determination method to analyze traffic between a client device and a server group | GRANT | 2015-02-24 | 2010-08-10 | 45565582 | Good | Fujitsu Ltd | Fujitsu Ltd |
| US20050193198A1 | 0.540 | System method and apparatus for electronic authentication | APPLICATION | 2005-09-01 | 2004-01-27 | 34976015 | Good | LIVO TECHNOLOGIES SA | LIVO TECHNOLOGIES SA |
| US20020098828A1 | 0.540 | Per-call based prepaid service accessed through a non-prepaid subscription mobile station | APPLICATION | 2002-07-25 | 2001-01-25 | 25087830 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US9064373B2 | 0.540 | Storing information from a verification device and accessing the information from a gaming device to verify that the gaming device is communicating with a server | GRANT | 2015-06-23 | 2006-11-15 | 39369871 | Good | CFPH LLC | CFPH LLC |
| US8407755B2 | 0.539 | Control of IPTV using second device | GRANT | 2013-03-26 | 2010-07-27 | 45528041 | Good | Sony Corp | Sony Corp |
| US20060262929A1 | 0.539 | Method and system for identifying the identity of a user | APPLICATION | 2006-11-23 | 2003-01-31 | 8565507 | Good | Qitec Tech Group Oy | Qitec Tech Group Oy |
| US7069444B2 | 0.539 | Portable wireless access to computer-based systems | GRANT | 2006-06-27 | 2002-01-25 | 27658229 | Good | LOWENSOHN BRENT | LOWENSOHN BRENT |
| US9111411B2 | 0.539 | Verifying a first device is in communications with a server by strong a value from the first device and accessing the value from a second device | GRANT | 2015-08-18 | 2006-11-15 | 39369882 | Good | CFPH LLC | CFPH LLC |
| US7581257B1 | 0.539 | System for handling network transactions | GRANT | 2009-08-25 | 1999-05-25 | 3817507 | Good | Safepay Australia Pty Ltd | Safepay Australia Pty Ltd |
| US7853493B2 | 0.538 | Personal finance integration system and method | GRANT | 2010-12-14 | 2008-06-18 | 41432229 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US7542993B2 | 0.538 | Systems and methods for notifying a consumer of changes made to a credit report | GRANT | 2009-06-02 | 2001-05-10 | 38288206 | Good | Equifax Inc | Equifax Inc |
| US8983841B2 | 0.538 | Method for enhancing the playback of information in interactive voice response systems | GRANT | 2015-03-17 | 2008-07-15 | 41531007 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US7885451B1 | 0.538 | Systems and methods for displaying negotiable instruments derived from various sources | GRANT | 2011-02-08 | 2006-10-31 | 43531995 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7213064B2 | 0.538 | Methods and systems for job-based accounting | GRANT | 2007-05-01 | 2000-11-18 | 26920288 | Good | In2M Corp | Finicity Corp |
| US8261974B2 | 0.538 | Integrated financial transaction and access system | GRANT | 2012-09-11 | 2007-09-14 | 40453387 | Good | ||
| US20020138430A1 | 0.537 | System for enabling smart card transactions to occur over the internet and associated method | APPLICATION | 2002-09-26 | 1995-06-22 | 23961644 | Good | Datascape Inc | WiLAN Technologies Inc |
| US7996315B1 | 0.537 | Systems and methods to modify a negotiable instrument | GRANT | 2011-08-09 | 2007-10-30 | 44350847 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US8332241B2 | 0.537 | Method for selling marine cargo insurance in a network environment | GRANT | 2012-12-11 | 2000-08-29 | 22858919 | Good | American International Group Inc | American International Group Inc |
| US20060264198A1 | 0.537 | Method for wide band data transfer | APPLICATION | 2006-11-23 | 2005-04-19 | 34935348 | Good | ||
| US20120054224A1 | 0.537 | METHOD SYSTEM AND COMPUTER PROGRAM PRODUCT FOR CURRENCY SEARCHING | APPLICATION | 2012-03-01 | 2010-08-30 | 45698537 | Good | ||
| US20030167229A1 | 0.537 | Modular business transations platform | APPLICATION | 2003-09-04 | 2001-04-03 | 25243447 | Good | Bottomline Techonologies DE Inc | Bottomline Technlogies Inc |
| US8260699B2 | 0.537 | Method and system for managing spending through account allocation | GRANT | 2012-09-04 | 2001-05-30 | 25354856 | Good | Finicity Corp | Finicity Corp |
| US9003515B2 | 0.536 | Authenticating human interface device | GRANT | 2015-04-07 | 2009-12-22 | 42173054 | Good | Gemalto SA | Thales DIS France SA |
| US7958029B1 | 0.536 | Method for minimizing financial risk for wireless services | GRANT | 2011-06-07 | 2003-10-20 | 44070945 | Good | Convergys CMG Utah Inc | Netcracker Technology Solutions Inc |
| US20090124273A1 | 0.536 | Method and Arrangement for Providing at Least One Piece of Information to a User Mobile Communication Device | APPLICATION | 2009-05-14 | 2006-04-25 | 38461009 | Good | SMARTMACHINE INTERNATIONAL HOLDING GmbH | SMARTMACHINE INTERNATIONAL HOLDING GmbH |
| US7243369B2 | 0.536 | Uniform resource locator access management and control system and method | GRANT | 2007-07-10 | 2001-08-06 | 29215356 | Good | Sun Microsystems Inc | Oracle America Inc |
| US6934664B1 | 0.536 | System and method for monitoring a security state of an electronic device | GRANT | 2005-08-23 | 2002-05-20 | 34837111 | Good | Palm Inc | Qualcomm Inc |
| US20030126080A1 | 0.536 | Method and apparatus for communicating over a public computer network | APPLICATION | 2003-07-03 | 2001-11-22 | 25682798 | Good | KEHRLI GRANT | 1432794 ONTARIO Ltd |
| US7370794B2 | 0.536 | Device and system for presenting and facilitating payment of a restaurant bill | GRANT | 2008-05-13 | 2006-03-15 | 38516756 | Good | Tablesafe Inc | PAY WITH CHECKMATE |
| US9113206B2 | 0.535 | System and method for distribution of picture objects | GRANT | 2015-08-18 | 2000-02-01 | 4358036 | Good | Swisscom AG | Swisscom AG |
| US20050080697A1 | 0.535 | System method and apparatus for providing financial services | APPLICATION | 2005-04-14 | 2003-10-14 | 34423158 | Good | COMPUCREDIT Corp | Compucredit Intellectual Property Holdings Corp II |
| US7337947B1 | 0.535 | Prepaid account and card | GRANT | 2008-03-04 | 2005-06-30 | 39125340 | Good | Capital One Financial Corp | Capital One Services LLC |
| US7725330B2 | 0.535 | Systems and methods for automated extraction and processing of billing information in patient records | GRANT | 2010-05-25 | 2002-12-03 | 32469471 | Good | Siemens Medical Solutions USA Inc | Cerner Health Services Inc |
| US20090157517A1 | 0.535 | ADJUSTABLE BALANCE LIMIT PREPAID PRESENTATION INSTRUMENT | APPLICATION | 2009-06-18 | 2007-12-14 | 40754496 | Good | Western Union Co | Western Union Co |
| US20060163343A1 | 0.535 | Virtual card service system and method | APPLICATION | 2006-07-27 | 2002-09-28 | 36695708 | Good | Mquay Inc | Mquay Inc |
| US8335739B1 | 0.534 | System and method for providing credit to a customer based on the customer's preliminary use of an account funded by another party | GRANT | 2012-12-18 | 2007-12-14 | 47325326 | Good | Capital One Financial Corp | Capital One Services LLC |
| US20060036537A1 | 0.534 | RISK MANAGEMENT IN AN EXPEDITIOUS FUNDS-HOLDER PAYOR AUTHENTICATION AND FUNDS TRANSFER SYSTEM AND METHODOLOGY | APPLICATION | 2006-02-16 | 2004-08-11 | 35801156 | Good | Neteller PLC | Neteller PLC |
| US20080065490A1 | 0.534 | INTEGRATED SYSTEM AND METHOD FOR MANAGING ELECTRONIC COUPONS | APPLICATION | 2008-03-13 | 2006-09-13 | 39170930 | Good | Team Digital Consulting LLC | Google LLC, Team Digital Consulting LLC |
| US20080128505A1 | 0.534 | System method and apparatus for communicating information from a personal electronic device | APPLICATION | 2008-06-05 | 2006-12-01 | 39492805 | Good | Ecrio Inc | Samsung Electronics Co Ltd |
| US7877784B2 | 0.534 | Verifying authenticity of webpages | GRANT | 2011-01-25 | 2007-06-07 | 40094267 | Good | Alcatel Lucent SAS | Piece Future Pte Ltd |
| US7546266B2 | 0.534 | Method system and storage medium for pre-screening customers for credit card approval at a point of sale | GRANT | 2009-06-09 | 2001-10-18 | 24741135 | Good | General Electric Co | Synchrony Bank |
| US20020095586A1 | 0.534 | Technique for continuous user authentication | APPLICATION | 2002-07-18 | 2001-01-17 | 25071899 | Good | International Business Machines Corp | International Business Machines Corp |
| US8131685B1 | 0.534 | Duplicate account identification and scoring | GRANT | 2012-03-06 | 2006-07-26 | 42184360 | Good | Google LLC | Google LLC |
| US7930285B2 | 0.534 | Systems for and methods of user demographic reporting usable for identifying users and collecting usage data | GRANT | 2011-04-19 | 2000-03-22 | 30773482 | Good | comScore Inc | comScore Inc |
| US8929857B2 | 0.533 | Policy management of electronic devices | GRANT | 2015-01-06 | 2007-06-28 | 47830293 | Good | Kajeet Inc | Kajeet Inc |
| US7672879B1 | 0.533 | Interactive activity interface for managing personal data and performing transactions over a data packet network | GRANT | 2010-03-02 | 1998-12-08 | 41717707 | Good | Yodlee com Inc | Yodlee com Inc |
| US20150324920A1 | 0.533 | Real-Time Insurance Estimate Based on Limited Identification | APPLICATION | 2015-11-12 | 2008-09-30 | 54368257 | Good | Allstate Insurance Co | Allstate Insurance Co |
| US20120011027A1 | 0.533 | DOWNLOADING SYSTEM AND UNIT METHOD AND PROGRAM FOR THE SAME | APPLICATION | 2012-01-12 | 2009-03-25 | 42780476 | Good | NEC Corp | NEC Corp |
| US20100036697A1 | 0.533 | Online Management of the Provision of Advice and Services | APPLICATION | 2010-02-11 | 2008-08-11 | 39790560 | Good | Greatvine Ltd | Greatvine Ltd |
| US20030200180A1 | 0.533 | Money card system method and apparatus | APPLICATION | 2003-10-23 | 2000-05-08 | 29215995 | Good | PHELAN PATRICIA MS | PHELAN PATRICIA MS |
| US7218912B2 | 0.533 | Method and system for providing supervisory control over wireless phone usage | GRANT | 2007-05-15 | 2003-02-25 | 32927592 | Good | Boston Communications Group Inc | Xius Holding Corp |
| US20140108124A1 | 0.533 | System and method for offering and fulfilling situation-based location specific rewards and offers to mobile-oriented consumers | APPLICATION | 2014-04-17 | 2008-06-12 | 43880019 | Good | Google LLC | Google LLC |
| US8032932B2 | 0.533 | Systems and methods for providing security token authentication | GRANT | 2011-10-04 | 2008-08-22 | 41697556 | Good | Citibank NA | Citibank NA |
| US20080115226A1 | 0.533 | OVER-THE-AIR DEVICE KILL PILL AND LOCK | APPLICATION | 2008-05-15 | 2006-11-15 | 39402623 | Good | Palm Inc | Qualcomm Inc |
| US7603314B2 | 0.533 | Automatic billing event submission reconciliation for on demand systems | GRANT | 2009-10-13 | 2004-03-25 | 34991317 | Good | International Business Machines Corp | International Business Machines Corp |
| US7069240B2 | 0.533 | System and method for capture storage and processing of receipts and related data | GRANT | 2006-06-27 | 2002-10-21 | 32599978 | Good | NEAT COMPANY Inc DOING BUSINESS AS NEATRECEIPTS Inc | NEAT COMPANY Inc DOING BUSINESS AS NEATRECEIPTS Inc |
| US20100205662A1 | 0.532 | SYSTEM AND METHOD TO SUPPORT IDENTITY THEFT PROTECTION AS PART OF A DISTRIBUTED SERVICE ORIENTED ECOSYSTEM | APPLICATION | 2010-08-12 | 2009-02-09 | 42541490 | Good | International Business Machines Corp | Workday Inc |
| US20140014720A1 | 0.532 | NETWORK FOR HEALTH MANAGEMENT AND MOBILE DEVICE CONTROLLED ACCESS | APPLICATION | 2014-01-16 | 2005-08-12 | 49913104 | Good | Pharma Smart International Inc | CANANDAIGUA NATIONAL BANK AND TRUST Co |
| US8065233B2 | 0.532 | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites | GRANT | 2011-11-22 | 2000-04-06 | 26890746 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US8392969B1 | 0.532 | Method and apparatus for hosting multiple tenants in the same database securely and with a variety of access modes | GRANT | 2013-03-05 | 2009-06-17 | 47749180 | Good | Intuit Inc | Intuit Inc |
| US7996314B1 | 0.532 | Systems and methods to modify a negotiable instrument | GRANT | 2011-08-09 | 2007-10-30 | 44350846 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US8364969B2 | 0.532 | Protecting privacy of shared personal information | GRANT | 2013-01-29 | 2009-02-02 | 42398674 | Good | Yahoo Inc | R2 Solutions LLC, Altaba Inc |
| US20030144910A1 | 0.532 | System and method for distributing inventory for point-of-sale activation services | APPLICATION | 2003-07-31 | 2002-01-30 | 27616806 | Good | QCOMM INTERNATIONAL Inc | BONDY & SCHLOSS LLP, QCOMM INTERNATIONAL Inc, BONDY & SCHLOSS LLP |
| US20060213985A1 | 0.531 | METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES | APPLICATION | 2006-09-28 | 1996-12-09 | 27117079 | Good | ||
| US20120066046A1 | 0.531 | SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY IN ASSOCIATION WITH A FINANCIAL ACCOUNT | APPLICATION | 2012-03-15 | 2009-01-21 | 44710733 | Good | Billshrink Inc | Truaxis LLC |
| US20110251953A1 | 0.531 | METHOD AND SYSTEM FOR PROCESSING MESSAGES IN A BILL PAYMENT AND PRESENTMENT SYSTEM OVER A COMMUNICATIONS NETWORK | APPLICATION | 2011-10-13 | 2000-03-29 | 26888407 | Good | Mastercard International Inc | Mastercard International Inc |
| US20040133440A1 | 0.531 | System and method for objectively managing complex familial interactions and responsibilities | APPLICATION | 2004-07-08 | 2002-08-22 | 32684857 | Good | nCommon Partners LP | JN IP LLC |
| US20020198829A1 | 0.531 | Modular business transactions platform | APPLICATION | 2002-12-26 | 2001-04-03 | 25243418 | Good | Bottomline Techonologies DE Inc | Bottomline Technlogies Inc |
| US20020198798A1 | 0.530 | Modular business transactions platform | APPLICATION | 2002-12-26 | 2001-04-03 | 25243459 | Good | Bottomline Techonologies DE Inc | Bottomline Technlogies Inc |
| US20060129481A1 | 0.530 | System and method for self-monitoring credit information | APPLICATION | 2006-06-15 | 2004-06-14 | 35510416 | Good | Dun and Bradstreet Inc | Dun and Bradstreet Inc |
| US8370256B1 | 0.530 | Method and apparatus for dynamic financial liability management | GRANT | 2013-02-05 | 2003-10-14 | 46332573 | Good | MoneyAbility Tech LLC | Pfm Solutions LLC |
| US20020194140A1 | 0.530 | Metered access to content | APPLICATION | 2002-12-19 | 2001-04-18 | 25274732 | Good | ||
| US7930411B1 | 0.530 | Network-based verification and fraud-prevention system | GRANT | 2011-04-19 | 1998-12-08 | 43858729 | Good | Yodlee com Inc | Yodlee com Inc |
| US20070219881A1 | 0.529 | Method and system for tracking computer system usage through a remote access security device | APPLICATION | 2007-09-20 | 1998-01-16 | 21731090 | Good | SBC Properties LP | AT&T Intellectual Property I LP |
| US5469497A | 0.529 | Networked interactive call management subsystems with prevention of simultaneous use of a single account number | GRANT | 1995-11-21 | 1993-01-19 | 21717023 | Good | Teledebit | ITELSA Inc |
| US20080282324A1 | 0.529 | Secure Social Networking System with Anti-Predator Monitoring | APPLICATION | 2008-11-13 | 2007-05-10 | 39970342 | Good | ||
| US20080005760A1 | 0.529 | DIGITAL CONTENT DELIVERY SYSTEM TRANSACTION ENGINE | APPLICATION | 2008-01-03 | 2001-03-29 | 25238114 | Good | ROOMSTER Inc | 10TH AVENUE MEDIA LLC |
| US20090222449A1 | 0.529 | CONTROLLING ACCESS TO A DATABASE USING DATABASE INTERNAL AND EXTERNAL AUTHORIZATION INFORMATION | APPLICATION | 2009-09-03 | 2005-02-01 | 36757842 | Good | Apple Inc | Apple Inc |
| US9032097B2 | 0.529 | Data communication with remote network node | GRANT | 2015-05-12 | 2001-04-26 | 36916775 | Good | Nokia Oyj | Nokia Technologies Oy |
| US6934849B2 | 0.529 | Method and system for authorizing a commercial transaction | GRANT | 2005-08-23 | 2000-07-14 | 8169267 | Good | Voice Trust AG | Lumenvox Corp, VOICECASH IP Sarl |
| US20150084738A1 | 0.529 | SYSTEMS AND ALGORITHMS FOR BIOMETRIC AUTHENTICATION WITHOUT A PREVIOUSLY STORED BIOMETRIC TEMPLATE | APPLICATION | 2015-03-26 | 2005-09-01 | 37805756 | Good | MEMPHIS TECHNOLOGIES Inc | MEMPHIS TECHNOLOGIES Inc |
| US6636833B1 | 0.529 | Credit card system and method | GRANT | 2003-10-21 | 1998-03-25 | 49356554 | Good | Obis Patents Ltd | Obis Patents Ltd, Orbis Patents Ltd |
| US20040186807A1 | 0.528 | Credit data collection method and apparatus | APPLICATION | 2004-09-23 | 2003-03-21 | 32987992 | Good | PAY RENT BUILD CREDIT Inc | PAY RENT BUILD CREDIT Inc |
| US20030220858A1 | 0.528 | Method and system for collaborative vendor reconciliation | APPLICATION | 2003-11-27 | 2002-05-24 | 29549168 | Good | Xign Corp | JPMorgan Chase Bank NA |
| US20120030771A1 | 0.528 | NETWORK SECURITY AND FRAUD DETECTION SYSTEM AND METHOD | APPLICATION | 2012-02-02 | 2004-06-14 | 35461883 | Good | Iovation Inc | Iovation Inc |
| US20050015338A1 | 0.528 | Electronic Statement Organizer with User Interface and Integrated Bill Payment | APPLICATION | 2005-01-20 | 2003-07-16 | 34068343 | Good | ||
| US6853987B1 | 0.528 | Centralized authorization and fraud-prevention system for network-based transactions | GRANT | 2005-02-08 | 1999-10-27 | 34102574 | Good | ZixIt Corp | Kioba Processing LLC |
| US8472946B2 | 0.528 | Open to all prepaid roaming systems and methods | GRANT | 2013-06-25 | 2008-08-27 | 41726198 | Good | Altobridge Ltd | ALTOBRIDGE Ltd AN IRELAND Corp, Altobridge Ltd |
| US6064990A | 0.528 | System for electronic notification of account activity | GRANT | 2000-05-16 | 1998-03-31 | 21977187 | Good | International Business Machines Corp | PayPal Inc |
| US7295658B2 | 0.528 | System and method for providing prepaid telecommunication services | GRANT | 2007-11-13 | 2002-03-15 | 28044614 | Good | Locus Telecommunications Inc | Locus Telecommunications Inc |
| US5592560A | 0.528 | Method and system for building a database and performing marketing based upon prior shopping history | GRANT | 1997-01-07 | 1989-05-01 | 27407691 | Good | Credit Verification Corp | Catalina Marketing Corp |
| US20030023555A1 | 0.527 | Method and system for providing financial services | APPLICATION | 2003-01-30 | 2001-07-26 | 26896002 | Good | CashWorks Inc | CashWorks Inc |
| US7996316B1 | 0.526 | Systems and methods to modify a negotiable instrument | GRANT | 2011-08-09 | 2007-10-30 | 44350848 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7066382B2 | 0.526 | Method and apparatus for transferring or receiving data via the Internet securely | GRANT | 2006-06-27 | 2000-04-17 | 27255674 | Good | ||
| US6965881B1 | 0.525 | Digital credential usage reporting | GRANT | 2005-11-15 | 2000-04-24 | 34915301 | Good | Intel Corp | Intel Corp |
| US7505931B2 | 0.525 | Method and system for monitoring transactions | GRANT | 2009-03-17 | 2003-03-03 | 32926497 | Good | Standard Chartered PLC | Standard Chartered UK Holdings Ltd |
| US20050210267A1 | 0.525 | User authentication method and system information terminal device and service providing server subject identification method and system correspondence confirmation method and system object confirmation method and system and program products for them | APPLICATION | 2005-09-22 | 2004-03-18 | 34987739 | Good | Riverbell Inc | Riverbell Inc |
| US5739512A | 0.525 | Digital delivery of receipts | GRANT | 1998-04-14 | 1996-05-30 | 24631731 | Good | Sun Microsystems Inc | Oracle America Inc |
| US7870066B2 | 0.525 | Automatic dispute resolution | GRANT | 2011-01-11 | 2003-06-06 | 33555431 | Good | eBay Inc | eBay Inc |
| US8578496B1 | 0.525 | Method and apparatus for detecting legitimate computer operation misrepresentation | GRANT | 2013-11-05 | 2009-12-29 | 49488040 | Good | Symantec Corp | NortonLifeLock Inc |
| US9031215B2 | 0.524 | Method and apparatus for new subscriber access to telephony features | GRANT | 2015-05-12 | 2009-06-11 | 43306460 | Good | Vonage Network LLC | Vonage America LLC |
| US8630938B2 | 0.524 | Method and apparatus to detect fraudulent activities within a network-based auction facility | GRANT | 2014-01-14 | 2000-11-15 | 26939856 | Good | eBay Inc | PayPal Inc |
| US8185472B1 | 0.524 | Enrollment into an online banking system | GRANT | 2012-05-22 | 2008-06-18 | 46061345 | Good | Bank of America Corp | Bank of America Corp |
| US6324516B1 | 0.524 | System and apparatus for utilization review of medical claims | GRANT | 2001-11-27 | 1997-06-11 | 25361158 | Good | HNC Software Inc | COMPREVIEW Inc, Fair Isaac Corp, COMPREVIEW Inc |
| US20050125686A1 | 0.524 | Method and system for preventing identity theft in electronic communications | APPLICATION | 2005-06-09 | 2003-12-05 | 34633929 | Good | Electronic Data Systems LLC | Hewlett Packard Enterprise Development LP |
| US5953710A | 0.524 | Children's credit or debit card system | GRANT | 1999-09-14 | 1996-10-09 | 24924910 | Good | ||
| US6728397B2 | 0.523 | Check verification system | GRANT | 2004-04-27 | 1998-06-19 | 26781113 | Good | Biometric Payment Solutions LLC | Biometric Payment Solutions LLC |
| US20150169314A1 | 0.523 | Systems For Remote Provisioning Of Electronic Devices | APPLICATION | 2015-06-18 | 2006-10-24 | 44278493 | Good | MedApps Inc | MedApps Inc |
| US8688543B2 | 0.523 | Method and system for processing and authenticating internet purchase transactions | GRANT | 2014-04-01 | 2006-08-29 | 39136852 | Good | Visa International Service Association | Visa International Service Association |
| US5025373A | 0.523 | Portable personal-banking system | GRANT | 1991-06-18 | 1988-06-30 | 22798413 | Good | JML Communications Inc | JAMES MADISON COMMUNICATIONS LLC, JML Communications Inc |
| US7353203B1 | 0.523 | System and method for invoice confirmation and funding | GRANT | 2008-04-01 | 1999-11-23 | 26863188 | Good | Inzap Inc | Inzap Inc |
| US5995822A | 0.523 | Method for handling parallel transactions on telephone pre-paid accounts | GRANT | 1999-11-30 | 1997-06-02 | 25353249 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US6891811B1 | 0.523 | Short messaging service center mobile-originated to HTTP internet communications | GRANT | 2005-05-10 | 2000-04-18 | 26893483 | Good | TeleCommunication Systems Inc | Intellectual Properties | Kft |
| US8104671B2 | 0.523 | Store solutions | GRANT | 2012-01-31 | 2007-06-12 | 40130097 | Good | Catalina Marketing Corp | Catalina Marketing Corp |
| US20070073889A1 | 0.522 | METHODS SYSTEMS AND COMPUTER PROGRAM PRODUCTS FOR VERIFYING AN IDENTITY OF A SERVICE REQUESTER USING PRESENCE INFORMATION | APPLICATION | 2007-03-29 | 2005-09-27 | 37895494 | Good | Swift Creek Systems LLC | Scenera Technologies LLC |
| US7987501B2 | 0.522 | System and method for single session sign-on | GRANT | 2011-07-26 | 2001-12-04 | 26701201 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US5732400A | 0.522 | System and method for a risk-based purchase of goods | GRANT | 1998-03-24 | 1995-01-04 | 23450642 | Good | Citibank NA | Citibank NA |
| US7917412B1 | 0.522 | Method and system for collecting information | GRANT | 2011-03-29 | 2008-01-31 | 43769951 | Good | Intuit Inc | Intuit Inc |
| US8498932B2 | 0.522 | Card based transfer account | GRANT | 2013-07-30 | 2001-05-24 | 26851551 | Good | Western Express Baneshares LLC | WESTERN EXPRESS BANCSHARES LLC, Western Express Baneshares LLC |
| US20080189211A1 | 0.522 | SYSTEM AND METHODS FOR PROCESSING CREDIT TRANSACTIONS | APPLICATION | 2008-08-07 | 2007-02-07 | 39676984 | Good | ||
| US6754640B2 | 0.521 | Universal positive pay match authentication authorization settlement and clearing system | GRANT | 2004-06-22 | 2000-10-30 | 26936036 | Good | BOZEMAN FINANCIAL LLC | BOZEMAN FINANCIAL LLC |
| US8255971B1 | 0.521 | Authentication system and method | GRANT | 2012-08-28 | 2008-03-03 | 46689949 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20120136774A1 | 0.520 | System for resolving transactions | APPLICATION | 2012-05-31 | 2004-10-19 | 36203717 | Good | Apollo Enterprise Solutions Inc | Konowiecki Joseph S, KONOWIECKI, JOSEPH S, Apollo Enterprise Solutions Ltd |
| US20090055322A1 | 0.520 | REMOVABLE MODULE IN PERSONAL HANDHELD DEVICES FOR PERSONAL INFORMATION EXCHANGE | APPLICATION | 2009-02-26 | 2007-08-23 | 40383074 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20120259763A1 | 0.520 | APPARATUS AND METHOD OF A DISTRIBUTED CAPITAL SYSTEM | APPLICATION | 2012-10-11 | 2002-02-14 | 27737522 | Good | ||
| US20060151598A1 | 0.520 | Categorization based spending control | APPLICATION | 2006-07-13 | 2005-01-13 | 36652309 | Good | International Business Machines Corp | International Business Machines Corp |
| US8351678B1 | 0.520 | Duplicate check detection | GRANT | 2013-01-08 | 2008-06-11 | 47427948 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20140089098A1 | 0.520 | METHOD FOR PERFORMING INTERACTIVE SERVICES ON MOBILE DEVICE SUCH AS TIME OR LOCATION INITIATED INTERACTIVE SERVICES | APPLICATION | 2014-03-27 | 2005-12-13 | 38163630 | Good | Nuance Communications Inc | Nuance Communications Inc |
| US20030009301A1 | 0.520 | Integrated utility meter-reading billing payment and usage management system | APPLICATION | 2003-01-09 | 2000-05-30 | 24316112 | Good | ||
| US8260682B2 | 0.520 | Systems and methods for online selection of service providers and management of service accounts | GRANT | 2012-09-04 | 1999-12-30 | 26869639 | Good | Leod Network Holdings LLC | F Poszat HU LLC |
| US20030115126A1 | 0.520 | System and methods for servicing electronic transactions | APPLICATION | 2003-06-19 | 1999-08-11 | 23467828 | Good | C SAM Inc | Mastercard Mobile Transaction Solutions Inc |
| US8346226B2 | 0.520 | Method and system for creating a web listing using a mobile phone | GRANT | 2013-01-01 | 2010-02-01 | 43827688 | Good | Intuit Inc | Intuit Inc |
| US8423463B1 | 0.519 | Personal financial manager with gift cards aggregation | GRANT | 2013-04-16 | 2010-03-24 | 48049251 | Good | Intuit Inc | Intuit Inc |
| US6700961B1 | 0.519 | Prepaid calling with warning announcement | GRANT | 2004-03-02 | 2000-08-03 | 31716156 | Good | Nokia of America Corp | Nokia of America Corp |
| US7340042B2 | 0.519 | System and method of subscription identity authentication utilizing multiple factors | GRANT | 2008-03-04 | 2005-10-21 | 37968275 | Good | VoiceVerified Inc | Csidentity Corp |
| US7481358B2 | 0.519 | Communication system card management server communication method program and record medium having recorded thereon program | GRANT | 2009-01-27 | 2001-02-23 | 18910284 | Good | Sony Corp | Sony Corp |
| US20050080677A1 | 0.519 | Real-time entry and verification of PIN at point-of-sale terminal | APPLICATION | 2005-04-14 | 2003-10-14 | 35839733 | Good | COMPUCREDIT Corp | Compucredit Intellectual Property Holdings Corp II |
| US20030115288A1 | 0.519 | Technique for effective management of information and communications using a mobile device | APPLICATION | 2003-06-19 | 2001-12-14 | 21780327 | Good | Metro One Telecommunications Inc | Metro One Telecommunications Inc |
| US8086525B2 | 0.519 | Methods and systems for providing risk ratings for use in person-to-person transactions | GRANT | 2011-12-27 | 2007-10-31 | 40591769 | Good | Equifax Inc | Equifax Inc |
| US6101378A | 0.518 | Pre-paid cellular telephone system | GRANT | 2000-08-08 | 1996-08-15 | 24805563 | Good | Japan Radio Co Ltd | Japan Radio Co Ltd |
| US7383988B2 | 0.518 | System and method for locking and unlocking a financial account card | GRANT | 2008-06-10 | 2005-08-31 | 37802672 | Good | Metavante Corp | Metavante Corp |
| US8117652B1 | 0.518 | Password input using mouse clicking | GRANT | 2012-02-14 | 2008-04-30 | 45561620 | Good | Trend Micro Inc | Trend Micro Inc |
| US6038551A | 0.518 | System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer | GRANT | 2000-03-14 | 1996-03-11 | 24596058 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20090319294A1 | 0.518 | Managed distribution solution and methods thereof | APPLICATION | 2009-12-24 | 2008-06-18 | 41432147 | Good | CuraScript Inc | CuraScript Inc |
| US9081997B2 | 0.518 | Method of communication with the POS terminal the frequency converter for the post terminal | GRANT | 2015-07-14 | 2008-10-15 | 41382143 | Good | Logomotion sro | SMK Corp |
| US9002333B1 | 0.518 | Mobile device reputation system | GRANT | 2015-04-07 | 2008-08-11 | 52745217 | Good | Trend Micro Inc | Trend Micro Inc |
| US8949608B2 | 0.518 | Field programmable smart card terminal and token device | GRANT | 2015-02-03 | 2000-02-18 | 22673687 | Good | Vasco Data Security Inc | Onespan North America Inc |
| US8700458B2 | 0.518 | System method and database for processing transactions | GRANT | 2014-04-15 | 1989-05-01 | 22375707 | Good | Catalina Marketing Corp | Catalina Marketing Corp |
| US20030061163A1 | 0.518 | Method and apparatus for verification/authorization by credit or debit card owner of use of card concurrently with merchant transaction | APPLICATION | 2003-03-27 | 2001-09-27 | 25511251 | Good | ||
| US6836843B2 | 0.517 | Access control through secure channel using personal identification system | GRANT | 2004-12-28 | 2001-06-29 | 25406859 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US8401941B1 | 0.517 | System and method for usage billing of hosted applications | GRANT | 2013-03-19 | 2009-04-10 | 47844821 | Good | Open Invention Network LLC | Open Invention Network LLC |
| US20040073519A1 | 0.517 | Method of increasing security in respect of payments made with credit cards and cash cards | APPLICATION | 2004-04-15 | 2000-12-22 | 20282400 | Good | PAYMENT SECURITY SWEDEN AB | PAYMENT SECURITY SWEDEN AB |
| US20100057530A1 | 0.517 | System and Method for Electronic Transactions and Providing Consumer Rewards | APPLICATION | 2010-03-04 | 2008-09-03 | 41726702 | Good | ||
| US20070008920A1 | 0.517 | Method of creating a split terminal between a base terminal and equipments connected in series | APPLICATION | 2007-01-11 | 2005-06-22 | 35953850 | Good | Orange SA | Orange SA |
| US8041099B2 | 0.516 | Check verification system | GRANT | 2011-10-18 | 1994-06-15 | 43617349 | Good | Abed Emad Yousef | Abed Emad Yousef |
| US7039656B1 | 0.516 | Method and apparatus for synchronizing data records between a remote device and a data server over a data-packet-network | GRANT | 2006-05-02 | 1999-10-20 | 23674169 | Good | Yodlee com Inc | Yodlee com Inc |
| US9218814B2 | 0.516 | Cross monitoring method and system based on voiceprint recognition and location tracking | GRANT | 2015-12-22 | 2009-10-10 | 42020734 | Good | ||
| US20040193891A1 | 0.516 | Integrity check value for WLAN pseudonym | APPLICATION | 2004-09-30 | 2003-03-31 | 32981741 | Good | Nokia Oyj | Nokia Solutions and Networks Oy |
| US8316400B1 | 0.516 | Method and system for transfer of subscription media | GRANT | 2012-11-20 | 2008-07-03 | 47148149 | Good | Prime Research Alliance E Inc | Prime Research Alliance E Inc |
| US6782379B2 | 0.515 | Preparing output XML based on selected programs and XML templates | GRANT | 2004-08-24 | 2000-12-22 | 27401100 | Good | Oblix Inc | Oracle International Corp |
| US20130275294A1 | 0.515 | SYSTEMS AND METHODS TO SELECT A CREDIT MIGRATION PATH FOR A CONSUMER | APPLICATION | 2013-10-17 | 2007-12-27 | 40799688 | Good | Mastercard International Inc | Mastercard International Inc |
| US7644023B2 | 0.515 | Portfolio synchronizing between different interfaces | GRANT | 2010-01-05 | 1998-12-08 | 46277601 | Good | Yodlee com Inc | Yodlee com Inc |
| US8296229B1 | 0.515 | Method and system for associating consumers with purchase transactions | GRANT | 2012-10-23 | 2003-06-17 | 47017511 | Good | Citicorp Credit Services Inc | Citicorp Credit Services Inc USA |
| US20070245414A1 | 0.515 | Proxy Authentication and Indirect Certificate Chaining | APPLICATION | 2007-10-18 | 2006-04-14 | 38606407 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7131144B2 | 0.515 | Methods and apparatus for protecting information | GRANT | 2006-10-31 | 1999-05-05 | 23181353 | Good | ShieldIP Inc | RPX Corp |
| US8705718B2 | 0.515 | Profile management system including user interface for accessing and maintaining profile data of user subscribed telephony services | GRANT | 2014-04-22 | 1997-04-03 | 26719509 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP, AT&T Labs Inc |
| US7461249B1 | 0.514 | Computer platforms and their methods of operation | GRANT | 2008-12-02 | 1999-08-13 | 8241575 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US20110178860A1 | 0.514 | System and method for resolving transactions employing goal seeking attributes | APPLICATION | 2011-07-21 | 2010-01-15 | 44278210 | Good | Apollo Enterprise Solutions Inc | Apollo Enterprise Solutions Inc |
| US20020031230A1 | 0.514 | Method and apparatus for a web-based application service model for security management | APPLICATION | 2002-03-14 | 2000-08-15 | 27397524 | Good | VIAQUO Corp | SIVAULT Inc |
| US20100299186A1 | 0.514 | METHODS AND DEVICES FOR SAVINGS PARTICIPATION | APPLICATION | 2010-11-25 | 2009-05-20 | 43125194 | Good | US Bank NA | US Bank NA |
| US5748737A | 0.514 | Multimedia electronic wallet with generic card | GRANT | 1998-05-05 | 1994-11-14 | 23330198 | Good | ||
| US20030187780A1 | 0.514 | Systems and methods for managing collections relating to merchant accounts | APPLICATION | 2003-10-02 | 2002-03-27 | 28452940 | Good | First Data Corp | First Data Corp |
| US20090172795A1 | 0.514 | SECURE SINGLE-SIGN-ON PORTAL SYSTEM | APPLICATION | 2009-07-02 | 2007-08-02 | 40304930 | Good | Deluxe Corp | Deluxe Corp |
| US20100145802A1 | 0.514 | Product Distribution Network | APPLICATION | 2010-06-10 | 2007-05-11 | 40549665 | Good | ||
| US20020133457A1 | 0.514 | Apparatus and method for prepaid charging of wireless packet data services | APPLICATION | 2002-09-19 | 2001-01-31 | 25097008 | Good | Nokia of America Corp | Nokia of America Corp |
| US20090171817A1 | 0.513 | REMOTE ACCOUNT MAINTENANCE SYSTEM AND METHOD | APPLICATION | 2009-07-02 | 2007-12-28 | 40799674 | Good | ||
| US6607136B1 | 0.513 | Physical presence digital authentication system | GRANT | 2003-08-19 | 1998-09-16 | 26876408 | Good | Beepcard Inc | Sonixio Inc |
| US20130272511A1 | 0.513 | DYNAMIC SPEECH RESOURCE ALLOCATION | APPLICATION | 2013-10-17 | 2010-04-21 | 49325115 | Good | Angel com Inc | Genesys Telecommunications Laboratories Inc |
| US8141147B2 | 0.513 | System method and apparatus for use in monitoring or controlling internet access | GRANT | 2012-03-20 | 2004-09-09 | 33186732 | Good | Websense UK Ltd | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US20050133606A1 | 0.513 | Programmable magnetic data storage card | APPLICATION | 2005-06-23 | 2003-12-17 | 34677376 | Good | QUECARD Inc, QUEUECARD Inc | Fitbit Inc |
| US6543683B2 | 0.513 | System and method for providing consumer access to a stored digital receipt generated as a result of a purchase transaction and to business/consumer applications related to the stored digital receipt | GRANT | 2003-04-08 | 2001-02-12 | 25124021 | Good | NCR Corp | NCR Corp |
| US6473500B1 | 0.513 | System and method for using a prepaid card | GRANT | 2002-10-29 | 1998-10-28 | 22664027 | Good | Mastercard International Inc | Mastercard International Inc |
| US20110107265A1 | 0.513 | CUSTOMIZABLE GRAPHICAL USER INTERFACE | APPLICATION | 2011-05-05 | 2008-10-16 | 42106834 | Good | Bank of America Corp | Bank of America Corp |
| US20060053296A1 | 0.513 | Method for authenticating a user to a service of a service provider | APPLICATION | 2006-03-09 | 2002-05-24 | 29558288 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US7530097B2 | 0.512 | Methods systems and computer program products that centrally manage password policies | GRANT | 2009-05-05 | 2003-06-05 | 33489804 | Good | International Business Machines Corp | International Business Machines Corp |
| US20090289110A1 | 0.512 | Wireless Biometric Computer Mouse with Integrated Credit Card Reader | APPLICATION | 2009-11-26 | 2008-05-22 | 41341349 | Good | Legacy IP LLC | Oi Holdings 1 LLC |
| US7415614B2 | 0.512 | Cryptographic authentication with ephemeral modules | GRANT | 2008-08-19 | 2001-03-12 | 8860990 | Good | Telediffusion de France ets Public de Diffusion, France Telecom SA | Callahan Cellular LLC |
| US20030101111A1 | 0.512 | Intelligent apparatus system and method for financial data computation report remittance and funds transfer over an interactive communications network | APPLICATION | 2003-05-29 | 2001-11-26 | 25541632 | Good | Hewlett Packard Co | Hewlett Packard Development Co LP |
| US20090089869A1 | 0.512 | TECHNIQUES FOR FRAUD MONITORING AND DETECTION USING APPLICATION FINGERPRINTING | APPLICATION | 2009-04-02 | 2006-04-28 | 40509953 | Good | Oracle International Corp | Oracle International Corp |
| US7225464B2 | 0.511 | Method for verifying the identity of a user for session authentication purposes during Web navigation | GRANT | 2007-05-29 | 2002-04-03 | 28673914 | Good | Yodlee com Inc | Yodlee com Inc |
| US20080114855A1 | 0.511 | OVER-THE-AIR DEVICE SERVICES AND MANAGEMENT | APPLICATION | 2008-05-15 | 2006-11-15 | 39430631 | Good | Palm Inc | Qualcomm Inc |
| US5825880A | 0.511 | Multi-step digital signature method and system | GRANT | 1998-10-20 | 1994-01-13 | 27391477 | Good | CERTCO Inc A Corp OF DELAWARE | CERTCO Inc A Corp OF DELAWARE |
| US9690820B1 | 0.511 | Database system for triggering event notifications based on updates to database records | GRANT | 2017-06-27 | 2007-09-27 | 59069510 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| WO2001090836A2 | 0.511 | REAL-TIME (ALL THE TIME) OPERATION SUPPORT SYSTEM AND METHOD | APPLICATION | 2001-11-29 | 2000-05-25 | 24309476 | Good | ||
| US20060064391A1 | 0.511 | System and method for a secure transaction module | APPLICATION | 2006-03-23 | 2004-09-20 | 36075225 | Good | Way Systems Inc | Verifone Inc |
| US20110320582A1 | 0.510 | ONLINE PRESENCE MANAGEMENT SYSTEM | APPLICATION | 2011-12-29 | 2010-06-23 | 45353576 | Good | ||
| US20060248011A1 | 0.510 | Secure commerce systems | APPLICATION | 2006-11-02 | 2005-04-27 | 36691433 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US5956698A | 0.510 | Information broker for printing system | GRANT | 1999-09-21 | 1997-07-31 | 25417939 | Good | Xerox Corp | Xerox Corp |
| US20040002878A1 | 0.510 | Method and system for user-determined authentication in a federated environment | APPLICATION | 2004-01-01 | 2002-06-28 | 29779416 | Good | International Business Machines Corp | International Business Machines Corp |
| US20060107064A1 | 0.510 | API for a system having a passcode authenticator | APPLICATION | 2006-05-18 | 2004-11-18 | 36387840 | Good | Biogy Inc | Biogy Inc |
| US6816871B2 | 0.510 | Delivering output XML with dynamically selectable processing | GRANT | 2004-11-09 | 2000-12-22 | 27401102 | Good | Oblix Inc | Oracle International Corp |
| US20080010203A1 | 0.510 | Purchasing Alert Methods And Apparatus | APPLICATION | 2008-01-10 | 2004-09-13 | 36060562 | Good | iXept Inc | Toronto-Dominion Bank |
| US8231055B2 | 0.509 | Systems and methods for decoding card swipe signals | GRANT | 2012-07-31 | 2009-10-13 | 43854049 | Good | Square Inc | Square Inc |
| US7107285B2 | 0.509 | Method system and program for an improved enterprise spatial system | GRANT | 2006-09-12 | 2002-03-16 | 32512543 | Good | Questerra Corp | Questerra Corp, CeleritasWorks LLC |
| US8781951B2 | 0.509 | Method and system for providing financing | GRANT | 2014-07-15 | 2006-12-22 | 39544280 | Good | CCIP Corp | CC SERVE Corp |
| US7900265B1 | 0.509 | Method and/or system to authorize access to stored data | GRANT | 2011-03-01 | 2005-09-09 | 37854067 | Good | NetApp Inc | NetApp Inc |
| US20060107312A1 | 0.509 | System for handing requests for access to a passcode protected entity | APPLICATION | 2006-05-18 | 2004-11-18 | 36387996 | Good | ||
| US20040193538A1 | 0.509 | Receipt processing system and method | APPLICATION | 2004-09-30 | 2003-03-31 | 32995033 | Good | ||
| US20060163347A1 | 0.509 | Customer enrollment in a stored value card program | APPLICATION | 2006-07-27 | 2003-10-14 | 46205602 | Good | Compucredit | CC SERVE Corp, COMPUCREDIT Corp |
| US8396747B2 | 0.509 | Identity theft and fraud protection system and method | GRANT | 2013-03-12 | 2005-10-07 | 37911980 | Good | Kemesa Inc | VIPR SYSTEMS LLC, Kemesa LLC, Intersections Inc |
| US7058386B2 | 0.509 | Mobile phone distribution system | GRANT | 2006-06-06 | 1991-09-27 | 23010169 | Good | Telemac Corp | Tracfone Wireless Inc |
| US20110288973A1 | 0.509 | STATE-BASED COMPLIANCE VERIFICATION IN A DISCONNECTED SYSTEM | APPLICATION | 2011-11-24 | 2010-05-20 | 44973272 | Good | Red Hat Inc | Red Hat Inc |
| US20090240567A1 | 0.509 | INTERACTIVE MARKETING SYSTEM | APPLICATION | 2009-09-24 | 2008-02-21 | 41089806 | Good | Micronotes LLC | MICRONOTES Inc, Micronotes LLC |
| US5745706A | 0.509 | Computer system and related equipment for spending and investment account management | GRANT | 1998-04-28 | 1994-12-30 | 23447452 | Good | ||
| US20150088982A1 | 0.508 | LOAD BALANCED INTER-DEVICE MESSAGING | APPLICATION | 2015-03-26 | 2006-09-25 | 52691980 | Good | WEAVED Inc | WEAVED Inc |
| US8355966B1 | 0.508 | Payroll e-file and e-pay assistant | GRANT | 2013-01-15 | 2010-02-26 | 47470991 | Good | Intuit Inc | Intuit Inc |
| US20100045425A1 | 0.508 | DATA TRANSMISSION OF SENSORS | APPLICATION | 2010-02-25 | 2008-08-21 | 41695815 | Good | ||
| US6802042B2 | 0.508 | Method and apparatus for providing calculated and solution-oriented personalized summary-reports to a user through a single user-interface | GRANT | 2004-10-05 | 1999-06-01 | 23687360 | Good | Yodlee com Inc | Yodlee com Inc |
| US6073840A | 0.508 | Fuel dispensing and retail system providing for transponder prepayment | GRANT | 2000-06-13 | 1997-09-26 | 26711822 | Good | Gilbarco Inc | Gilbarco Inc |
| US20090037332A1 | 0.508 | Systems and Methods for Processing Banking Transactions | APPLICATION | 2009-02-05 | 2007-07-31 | 40304877 | Good | City National Bank | City National Bank |
| US20040162981A1 | 0.507 | Apparatus and method for proving authenticity with personal characteristics | APPLICATION | 2004-08-19 | 2003-02-19 | 32850175 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US8820632B1 | 0.507 | Systems and methods for displaying current consumer card status on a wireless device | GRANT | 2014-09-02 | 2008-09-11 | 51399848 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20150076224A1 | 0.507 | BIOMETRIC IDENTIFICATION DEVICE WITH SMARTCARD CAPABILITIES | APPLICATION | 2015-03-19 | 2005-03-24 | 37024700 | Good | 1PERFECTID Inc | 1PERFECTID Inc |
| US6805288B2 | 0.507 | Method for generating customer secure card numbers subject to use restrictions by an electronic card | GRANT | 2004-10-19 | 2000-05-15 | 34427183 | Good | ||
| US20080281726A1 | 0.507 | Credit and transaction systems | APPLICATION | 2008-11-13 | 2007-03-22 | 39970407 | Good | INTELLECTUAL ADVANCE Inc | INTELLECTUAL ADVANCE Inc |
| US8229762B2 | 0.507 | System and method for cardiovascular testing | GRANT | 2012-07-24 | 2001-08-24 | 44261998 | Good | Biomedix Inc | Collaborative Care Diagnostics LLC |
| US8594730B2 | 0.506 | Secure smart card system | GRANT | 2013-11-26 | 2008-08-20 | 41707439 | Good | X Card Holdings LLC | X Card Holdings LLC |
| US8930711B2 | 0.506 | Critical security parameter generation and exchange system and method for smart-card memory modules | GRANT | 2015-01-06 | 2007-11-12 | 40639399 | Good | Micron Technology Inc | Micron Technology Inc |
| US6681205B1 | 0.506 | Method and apparatus for enrolling a user for voice recognition | GRANT | 2004-01-20 | 1999-07-12 | 23382098 | Good | Charles Schwab and Co Inc | Charles Schwab and Co Inc |
| US20040158521A1 | 0.506 | Credit enhancement systems and methods | APPLICATION | 2004-08-12 | 2003-02-06 | 32824035 | Good | First Data Corp | Western Union Co |
| US8036961B2 | 0.506 | Dynamically managing timesheet data associated with multiple billing types | GRANT | 2011-10-11 | 2006-05-31 | 38791497 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20110191241A1 | 0.506 | METHOD OF PROVIDING AN ACCOUNT THAT EMPLOYS A BUFFER AGAINST OVERDRAFTS | APPLICATION | 2011-08-04 | 2010-02-02 | 44342477 | Good | Citizens Financial Group Inc | RBS CITIZENS FINANCIAL GROUP Inc, Citizens Financial Group Inc |
| US8249993B2 | 0.506 | Transparently securing data for transmission on financial networks | GRANT | 2012-08-21 | 2004-09-07 | 39052038 | Good | Verifone Inc | Verifone Inc |
| US20040002916A1 | 0.505 | Systems and methods for managing balance transfer accounts | APPLICATION | 2004-01-01 | 2002-07-01 | 29779823 | Good | ||
| US20100258623A1 | 0.505 | FLAT CARD PRODUCTION SYSTEMS AND METHODS | APPLICATION | 2010-10-14 | 2009-04-14 | 42933566 | Good | First Data Corp | First Data Corp |
| US20100011428A1 | 0.505 | SYSTEM METHOD AND COMPUTER PROGRAM FOR ENABLING ENTRY INTO TRANSACTIONS ON A REMOTE BASIS | APPLICATION | 2010-01-14 | 2006-05-10 | 38667385 | Good | SYNGRAFII Inc | SYNGRAFII Inc |
| US20080277465A1 | 0.505 | METHOD AND SYSTEM FOR IMPLEMENTING A CARD PRODUCT WITH MULTIPLE CUSTOMIZED RELATIONSHIPS | APPLICATION | 2008-11-13 | 2005-05-27 | 39619468 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US7289971B1 | 0.505 | Personal information security and exchange tool | GRANT | 2007-10-30 | 1996-07-22 | 21807484 | Good | CYVA RESEARCH Corp | CYVA RESEARCH HOLDINGS LLC |
| US9247054B2 | 0.505 | Systems and methods for generating and testing interactive voice response applications | GRANT | 2016-01-26 | 2005-12-21 | 38173496 | Good | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US8244635B2 | 0.504 | System and method for syndicated collection aggregation and delivery of personal data | GRANT | 2012-08-14 | 2000-04-25 | 26894952 | Good | Yodlee com Inc | Yodlee com Inc |
| US20060107063A1 | 0.504 | Generating requests for access to a passcode protected entity | APPLICATION | 2006-05-18 | 2004-11-18 | 36387839 | Good | ||
| US8355935B2 | 0.503 | Third party information transfer | GRANT | 2013-01-15 | 2010-08-31 | 45698367 | Good | Intuit Inc | Intuit Inc |
| US7836197B2 | 0.503 | Personalized account migration system and method | GRANT | 2010-11-16 | 2000-11-27 | 36462178 | Good | Esaya com Inc | Microsoft Technology Licensing LLC |
| US7603320B1 | 0.503 | Method and system for protecting sensitive information and preventing unauthorized use of identity information | GRANT | 2009-10-13 | 2002-08-31 | 41138077 | Good | ||
| US9019075B2 | 0.503 | User authentication device and user authentication method | GRANT | 2015-04-28 | 2007-07-09 | 40228248 | Good | Fujitsu Ltd | Fujitsu Ltd |
| US20030163733A1 | 0.503 | System method and apparatus for federated single sign-on services | APPLICATION | 2003-08-28 | 2002-02-28 | 36297372 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US8984626B2 | 0.502 | Multifunction multimedia device | GRANT | 2015-03-17 | 2009-09-14 | 43730081 | Good | Tivo Solutions Inc | Tivo Solutions Inc |
| US20090070148A1 | 0.502 | HEALTH CARE DATA MANAGEMENT | APPLICATION | 2009-03-12 | 2006-11-06 | 41797875 | Good | MLP Tech Inc | MLP Tech Inc |
| US8005755B2 | 0.502 | System and method for syndicated transactions | GRANT | 2011-08-23 | 2000-04-25 | 27394045 | Good | Yodlee com Inc | Yodlee com Inc |
| EP2187564A1 | 0.502 | VIRTUAL PRIVATE NETWORK CHARGING METHOD AND SYSTEM | GRANT | 2010-05-19 | 2008-01-17 | 39623751 | Good | Huawei Technologies Co Ltd | Huawei Technologies Co Ltd |
| US6185414B1 | 0.502 | Wireless telecommunication system with prepaid architecture | GRANT | 2001-02-06 | 1998-07-24 | 22402162 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US7215978B2 | 0.502 | Mobile terminal apparatus mobile terminal settings changing system method used therefor and program thereof | GRANT | 2007-05-08 | 2002-10-09 | 32025526 | Good | NEC Corp | NEC Corp |
| US20020069182A1 | 0.502 | System and method for alternative dispute resolution | APPLICATION | 2002-06-06 | 1999-12-06 | 26864754 | Good | ||
| US20050125291A1 | 0.502 | Systems and methods of managing marketing campaigns | APPLICATION | 2005-06-09 | 2003-11-14 | 34590433 | Good | Canada Post Corp | Canada Post Corp |
| US6950807B2 | 0.502 | System and method for providing financing | GRANT | 2005-09-27 | 2001-12-31 | 21892196 | Good | Credit Acceptance Corp | Credit Acceptance Corp |
| US7197560B2 | 0.501 | Communications system with fraud monitoring | GRANT | 2007-03-27 | 2001-03-20 | 27501179 | Good | MCI LLC | Verizon Patent and Licensing Inc |
| US8548832B2 | 0.501 | Business process automation in a health plan organization | GRANT | 2013-10-01 | 2007-09-18 | 40455535 | Good | IkaSystems Corp | IkaSystems Corp |
| US7155725B1 | 0.501 | Apparatus and method for coordinating multiple e-mail accounts | GRANT | 2006-12-26 | 2002-03-27 | 37569627 | Good | Danger Inc | Danger Inc, Microsoft Technology Licensing LLC |
| US6317783B1 | 0.501 | Apparatus and methods for automated aggregation and delivery of and transactions involving electronic personal information or data | GRANT | 2001-11-13 | 1998-10-28 | 26803095 | Good | VerticalOne Corp | Yodlee com Inc |
| US6714944B1 | 0.500 | System and method for authenticating and registering personal background data | GRANT | 2004-03-30 | 1999-11-30 | 26863794 | Good | VeriVita LLC | VeriVita LLC |
| US7206768B1 | 0.500 | Electronic multiparty accounts receivable and accounts payable system | GRANT | 2007-04-17 | 2000-08-14 | 37856477 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20020133462A1 | 0.500 | Instant electronic notification of credit card use serves as deterrent | APPLICATION | 2002-09-19 | 2001-03-16 | 25205828 | Good | Koninklijke Philips NV | Koninklijke Philips NV |
| US20090265544A1 | 0.500 | Method and system for using personal devices for authentication and service access at service outlets | APPLICATION | 2009-10-22 | 2008-04-21 | 41202097 | Good | Indian Institute of Technology Kanpur | INDIAN INSTITUTE OF TECHNOLOGY KANPUR |
| US20060271456A1 | 0.500 | Debit-based identity theft monitoring and prevention | APPLICATION | 2006-11-30 | 2005-05-26 | 37464637 | Good | Efunds Corp | Efunds Corp |
| US20100030675A1 | 0.499 | Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method | APPLICATION | 2010-02-04 | 2001-12-06 | 41609308 | Good | Bank One Delaware NA | Chase Bank USA NA |
| WO2008103980A1 | 0.499 | A SECURE SYSTEM AND METHOD FOR PAYMENT CARD AND DATA STORAGE AND PROCESSING VIA INFORMATION SPLITTING | APPLICATION | 2008-08-28 | 2007-02-23 | 39710544 | Good | ||
| US20110071949A1 | 0.499 | SECURE PIN ENTRY DEVICE FOR MOBILE PHONES | APPLICATION | 2011-03-24 | 2004-09-20 | 46124174 | Good | Verifone Inc | Verifone Inc |
| US20140162595A1 | 0.499 | ENHANCED CURFEW AND PROTECTION ASSOCIATED WITH A DEVICE GROUP | APPLICATION | 2014-06-12 | 2009-01-28 | 50881446 | Good | Headwater Partners I LLC | Headwater Research LLC |
| US20110082736A1 | 0.499 | METHOD AND SYSTEM FOR LINKING MOBILE PHONE SERVICES WITH A BANKING PROVIDER | APPLICATION | 2011-04-07 | 2009-10-01 | 43823906 | Good | Citizens Financial Group Inc | RBS CITIZENS FINANCIAL GROUP Inc |
| US6871220B1 | 0.499 | System and method for distributed storage and retrieval of personal information | GRANT | 2005-03-22 | 1998-10-28 | 34279646 | Good | Yodlee com Inc | Yodlee com Inc |
| US6532282B1 | 0.499 | Method and system for accumulating call prepayment | GRANT | 2003-03-11 | 1998-02-06 | 10826639 | Good | Orange Personal Communications Services Ltd | Orange SA |
| US7783515B1 | 0.498 | Itemized receipt tracking system | GRANT | 2010-08-24 | 2009-03-27 | 42583401 | Good | Bank of America Corp | Bank of America Corp |
| US20010047332A1 | 0.498 | Methods and systems for online self-service receivables management and automated online receivables dispute resolution | APPLICATION | 2001-11-29 | 2000-02-18 | 26879459 | Good | Oracle Corp | Oracle International Corp |
| US7797734B2 | 0.498 | Systems and methods for user interface control | GRANT | 2010-09-14 | 2005-10-27 | 37968592 | Good | Aurora Financial Systems Inc | AURORA FINANCIAL SYSTEMS HOLDINGS Inc, RBA International Inc |
| US20040159700A1 | 0.497 | Method and apparatus for secure import of information into data aggregation program hosted by personal trusted device | APPLICATION | 2004-08-19 | 2001-12-26 | 33434826 | Good | Vivotech Inc | Vivotech Inc |
| US8736615B2 | 0.497 | Customizing barcode images for particular displays | GRANT | 2014-05-27 | 2006-04-27 | 38656218 | Good | CodeBroker LLC | CodeBroker LLC |
| US20080288400A1 | 0.497 | Centralized Payment Method and System for Online and Offline Transactions | APPLICATION | 2008-11-20 | 2007-04-27 | 39926094 | Good | Cashedge Inc | Cashedge Inc |
| US5802498A | 0.497 | Computer-aided prepaid transmittal charge billing system | GRANT | 1998-09-01 | 1996-01-11 | 27170761 | Good | ||
| US20070249323A1 | 0.497 | Simplified dual mode wireless device authentication apparatus and method | APPLICATION | 2007-10-25 | 2006-04-21 | 38620092 | Good | Cisco Technology Inc | Cisco Technology Inc |
| US20020161476A1 | 0.497 | System for vending and dispensing digital files | APPLICATION | 2002-10-31 | 2001-04-05 | 26815107 | Good | ||
| US20070165799A1 | 0.497 | IVR AUTHENTICATION AND INTENTION VERIFICATION SYSTEM | APPLICATION | 2007-07-19 | 2006-01-11 | 38263165 | Good | Gearworks Inc | Gearworks Inc |
| US20120240223A1 | 0.496 | PROCESS AND APPARATUS FOR AUTOMATICALLY IDENTIFYING USER OF CONSUMER ELECTRONICS | APPLICATION | 2012-09-20 | 2004-08-11 | 37903246 | Good | Sony Interactive Entertainment Inc | Sony Interactive Entertainment Inc |
| US7734047B2 | 0.496 | Information recording medium information processing device information processing method and computer program | GRANT | 2010-06-08 | 2003-03-24 | 33094855 | Good | Sony Corp | Sony Corp |
| US6061557A | 0.496 | Translation and connection device for radio frequency point of sale transaction systems | GRANT | 2000-05-09 | 1993-06-17 | 22143903 | Good | Research in Motion Ltd | BlackBerry Ltd |
| US8204788B1 | 0.496 | Online car buying | GRANT | 2012-06-19 | 2007-11-05 | 46209606 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US8261334B2 | 0.496 | System for performing web authentication of a user by proxy | GRANT | 2012-09-04 | 2008-04-25 | 41216299 | Good | Yodlee com Inc | Yodlee com Inc |
| US5537464A | 0.495 | Method and apparatus for the billing of value-added communication calls | GRANT | 1996-07-16 | 1993-11-02 | 22519427 | Good | Southwestern Bell Telephone Co | PREMIERE NETWORK SERVICES Inc |
| US20090064297A1 | 0.495 | SECURE CREDENTIALS CONTROL METHOD | APPLICATION | 2009-03-05 | 2007-08-30 | 40409671 | Good | Baimmt LLC | Baimmt LLC |
| US6356937B1 | 0.495 | Interoperable full-featured web-based and client-side e-mail system | GRANT | 2002-03-12 | 1999-07-06 | 23363385 | Good | Mec Management LLC | Mec Management LLC |
| US5457305A | 0.495 | Distributed on-line money access card transaction processing system | GRANT | 1995-10-10 | 1994-03-31 | 26789832 | Good | ||
| US20090177581A1 | 0.495 | METHOD OF CASH-LESS CARDLESS PURCHASE TRANSACTION USING MOBILE PHONES | APPLICATION | 2009-07-09 | 2005-08-22 | 37771834 | Good | G Xchange Inc, Utiba Pty Ltd | G-XCHANGE Inc, G Xchange Inc, Utiba Pty Ltd |
| US20040062213A1 | 0.495 | Location-based web browsing | APPLICATION | 2004-04-01 | 1998-06-29 | 32028556 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8787164B2 | 0.495 | Media delivery system and method for transporting media to desired target devices | GRANT | 2014-07-22 | 2004-07-09 | 37903130 | Good | Qualcomm Inc | Qualcomm Inc, Qualcomm Atheros Inc |
| US5060153A | 0.494 | Teller machine with mode for continuously sending off-line collected transaction data to a host while ignoring incomplete data response signals | GRANT | 1991-10-22 | 1988-04-05 | 13841962 | Good | Sharp Corp | Sharp Corp |
| US8005756B2 | 0.494 | Debit purchasing of stored value card for use by and/or delivery to others | GRANT | 2011-08-23 | 1998-06-22 | 22287825 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20040133787A1 | 0.494 | System method and apparatus for enabling transactions using a biometrically enabled programmable magnetic stripe | APPLICATION | 2004-07-08 | 2002-03-28 | 34435370 | Good | Innovation Connection Corp | Innovation Connection Corp |
| US20080288786A1 | 0.494 | System with access keys | APPLICATION | 2008-11-20 | 2004-12-20 | 40028734 | Good | Biogy Inc | Biogy Inc |
| US20080162317A1 | 0.494 | METHOD AND APPARATUS FOR INTEGRATED PAYMENTS PROCESSING AND DECISIONING FOR INTERNET TRANSACTIONS | APPLICATION | 2008-07-03 | 2000-10-31 | 24825051 | Good | ||
| EP1657944A1 | 0.494 | Presence update system and method therefor and mobile communication terminal and non-contact communication apparatus used therefor | GRANT | 2006-05-17 | 2004-11-10 | 35709252 | Good | NEC Corp | Warren and Lewis Investment Corp |
| US4305059A | 0.494 | Modular funds transfer system | GRANT | 1981-12-08 | 1980-01-03 | 22327097 | Good | Currency Scientific Inc | Currency Scientific Inc |
| US6865680B1 | 0.494 | Method and apparatus enabling automatic login for wireless internet-capable devices | GRANT | 2005-03-08 | 2000-10-31 | 34218196 | Good | Yodlee com Inc | Yodlee com Inc |
| US20070061871A1 | 0.493 | Authentication and account protection method and apparatus | APPLICATION | 2007-03-15 | 2005-08-25 | 37856881 | Good | ||
| US7708191B2 | 0.493 | Telebanking apparatus for transferring money or cash value between two parties in the same country or across national borders for paying bills and browsing the internet | GRANT | 2010-05-04 | 2005-07-28 | 37695539 | Good | ||
| US9710852B1 | 0.493 | Credit report timeline user interface | GRANT | 2017-07-18 | 2002-05-30 | 59296426 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20110178841A1 | 0.492 | SYSTEM AND METHOD FOR CLUSTERING A POPULATION USING SPEND LEVEL DATA | APPLICATION | 2011-07-21 | 2010-01-20 | 44278195 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US7117172B1 | 0.492 | Methods and systems for managing financial accounts | GRANT | 2006-10-03 | 1999-03-11 | 37037380 | Good | Corecard Software Inc | Corecard Software Inc |
| US7003677B1 | 0.492 | Method for operating proactively secured applications on an insecure system | GRANT | 2006-02-21 | 1999-11-01 | 35810821 | Good | International Business Machines Corp | Twitter Inc |
| US7571473B1 | 0.492 | Identity management system and method | GRANT | 2009-08-04 | 2005-06-10 | 40910278 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US8244848B1 | 0.492 | Integrated social network environment | GRANT | 2012-08-14 | 2010-04-19 | 46613606 | Good | Facebook Inc | Facebook Inc |
| US20060107068A1 | 0.491 | Method of generating access keys | APPLICATION | 2006-05-18 | 2004-11-18 | 46322005 | Good | Biogy Inc | Biogy Inc |
| US20030158960A1 | 0.491 | System and method for establishing a privacy communication path | APPLICATION | 2003-08-21 | 2000-05-22 | 27738773 | Good | ||
| US8725607B2 | 0.490 | Electronic payment clearing and check image exchange systems and methods | GRANT | 2014-05-13 | 2004-01-30 | 34807970 | Good | Clearing House Payments Co LLC | Clearing House Payments Co LLC |
| US7379978B2 | 0.489 | Electronic item management and archival system and method of operating the same | GRANT | 2008-05-27 | 2002-07-19 | 30443449 | Good | Fiserv Inc | Fiserv Inc |
| US9741027B2 | 0.489 | Memory card based contactless devices | GRANT | 2017-08-22 | 2007-12-14 | 40751915 | Good | Tyfone Inc | Tyfone Inc |
| US20080091818A1 | 0.489 | System And Method Of Employing Web Services Applications To Obtain Real-Time Information From Distributed Sources | APPLICATION | 2008-04-17 | 2006-10-11 | 39304324 | Good | RMB World Enterprises LLC | RMB World Enterprises LLC |
| US20070083463A1 | 0.489 | FRAUD ALERT SWITCH | APPLICATION | 2007-04-12 | 2005-09-20 | 37911983 | Good | MYPUBLICINFO Inc | MYPUBLICINFO Inc |
| US8504685B2 | 0.489 | Personalized service system based on smart card and method thereof and smart card applied to the same | GRANT | 2013-08-06 | 2008-07-10 | 41507532 | Good | SK Planet Co Ltd | SK Planet Co Ltd |
| US8819140B2 | 0.489 | System and method for enabling the establishment and use of a personal network | GRANT | 2014-08-26 | 2004-07-09 | 35733680 | Good | Qualcomm Inc | Qualcomm Inc, Qualcomm Atheros Inc, BravoBrava Inc |
| US8944336B2 | 0.489 | Method system and smart card reader for management of access to a smart card | GRANT | 2015-02-03 | 2006-07-19 | 38956459 | Good | BlackBerry Ltd | BlackBerry Ltd |
| US7620592B2 | 0.488 | Tiered processing method and system for identifying and mitigating merchant risk | GRANT | 2009-11-17 | 2001-02-26 | 25164519 | Good | First Data Corp | First Data Corp |
| US20050086126A1 | 0.488 | Network account linking | APPLICATION | 2005-04-21 | 2003-10-20 | 34521522 | Good | Sony Interactive Entertainment America LLC | Sony Interactive Entertainment LLC |
| US20060107309A1 | 0.488 | Using an access key | APPLICATION | 2006-05-18 | 2004-11-18 | 46322014 | Good | Biogy Inc | Biogy Inc |
| US20040220865A1 | 0.488 | Financial record processing system | APPLICATION | 2004-11-04 | 2003-03-17 | 33313347 | Good | Siemens Medical Solutions Health Services Corp | Siemens Medical Solutions USA Inc |
| US8255978B2 | 0.488 | Verified personal information database | GRANT | 2012-08-28 | 2003-03-11 | 33554978 | Good | Innovatrend Inc | Innovatrend Inc |
| US20050177480A1 | 0.488 | Intelligent billing system | APPLICATION | 2005-08-11 | 2004-01-20 | 34826457 | Good | Silicon Valley Micro C Corp | Silicon Valley Micro C Corp |
| US6167438A | 0.488 | Method and system for distributed caching prefetching and replication | GRANT | 2000-12-26 | 1997-05-22 | 25337146 | Good | Boston University | Akamai Technologies Inc |
| US20020191788A1 | 0.487 | Credit or debit copy-protected optical disc | APPLICATION | 2002-12-19 | 2001-03-28 | 25227551 | Good | Eastman Kodak Co | Eastman Kodak Co |
| US6993572B2 | 0.487 | System and method for facilitating internet commerce with outsourced websites | GRANT | 2006-01-31 | 1998-09-17 | 22281082 | Good | DDR Holdings LLC | DDR Holdings LLC |
| US6892307B1 | 0.487 | Single sign-on framework with trust-level mapping to authentication requirements | GRANT | 2005-05-10 | 1999-08-05 | 23451541 | Good | Sun Microsystems Inc | Oracle America Inc |
| US7333635B2 | 0.487 | Method and system for confirming personal identity | GRANT | 2008-02-19 | 2005-09-02 | 38322126 | Good | Intersections Inc | Intersections Inc |
| US20090198572A1 | 0.487 | System and method for rewards optimization in a computer system | APPLICATION | 2009-08-06 | 2008-02-05 | 40932573 | Good | Wachovia Corp | Wells Fargo Bank NA |
| US20100299731A1 | 0.486 | Electronic System for Securing Electronic Services | APPLICATION | 2010-11-25 | 2006-03-08 | 36660674 | Good | Monitise Group Ltd | Fiserv Inc |
| US4868900A | 0.486 | Credit card verifier | GRANT | 1989-09-19 | 1986-07-25 | 11031983 | Good | TRINTECH Ltd | Verifone Systems Ireland Ltd |
| WO2001044899A1 | 0.486 | CRYPTOGRAPHIC TOKEN AND SECURITY SYSTEM | APPLICATION | 2001-06-21 | 1999-12-13 | 25681390 | Good | ||
| US20050267840A1 | 0.486 | Methods for processing a group of accounts corresponding to different products | APPLICATION | 2005-12-01 | 1998-04-24 | 35426604 | Good | First Data Corp | First Data Corp |
| US20030229779A1 | 0.486 | Security gateway for online console-based gaming | APPLICATION | 2003-12-11 | 2002-06-10 | 29583823 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7775442B2 | 0.486 | Method for accessing after-operation information of secure element applications | GRANT | 2010-08-17 | 2006-07-12 | 38948252 | Good | Nokia Oyj | Nokia Technologies Oy |
| US20060107041A1 | 0.486 | Assembling a security access system | APPLICATION | 2006-05-18 | 2004-11-18 | 46322027 | Good | Biogy Inc | Biogy Inc |
| US20060085334A1 | 0.486 | Dynamic financial liability management | APPLICATION | 2006-04-20 | 2004-10-14 | 36181963 | Good | MoneyAbility Tech LLC | Pfm Solutions LLC |
| US9025749B1 | 0.485 | System method and computer readable medium for establishing communication between devices | GRANT | 2015-05-05 | 2004-09-09 | 49776108 | Good | Open Invention Network LLC | Open Invention Network LLC |
| US7209895B2 | 0.485 | Methods for use in providing user ratings according to prior transactions | GRANT | 2007-04-24 | 2004-05-19 | 35376327 | Good | Yahoo Inc | Google LLC |
| US6510451B2 | 0.485 | System for completing a multi-component task initiated by a client involving Web sites without requiring interaction from the client | GRANT | 2003-01-21 | 1999-10-14 | 23663412 | Good | Yodlee com Inc | Yodlee com Inc |
| US20030154138A1 | 0.485 | Identification verification system and method | APPLICATION | 2003-08-14 | 2001-12-21 | 23339340 | Good | ARISTOTLE INTERNATIONAL Inc | ARISTOTLE INTERNATIONAL Inc |
| US8266515B2 | 0.485 | Categorization of summarized information | GRANT | 2012-09-11 | 1999-06-01 | 38092711 | Good | Yodlee com Inc | Yodlee com Inc |
| US20070168279A1 | 0.485 | Disposable payment account | APPLICATION | 2007-07-19 | 2006-01-13 | 38264402 | Good | Metavante Corp | Metavante Corp |
| US20060107065A1 | 0.485 | System that generates access keys | APPLICATION | 2006-05-18 | 2004-11-18 | 46322044 | Good | ||
| US9436805B1 | 0.485 | Method and system for transfer of subscription media | GRANT | 2016-09-06 | 2008-07-03 | 56878218 | Good | Prime Research Alliance E Inc | Prime Research Alliance E Inc |
| US20050238149A1 | 0.484 | Cellular phone-based automatic payment system | APPLICATION | 2005-10-27 | 2004-04-24 | 35136422 | Good | ||
| US20060107040A1 | 0.484 | Setting up a security access system | APPLICATION | 2006-05-18 | 2004-11-18 | 46322029 | Good | Biogy Inc | Biogy Inc |
| US8423653B2 | 0.484 | Inter-layer parameter liaison systems and methods | GRANT | 2013-04-16 | 2009-03-31 | 42785440 | Good | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US20080059364A1 | 0.484 | Systems and methods for performing a financial trustworthiness assessment | APPLICATION | 2008-03-06 | 2006-09-01 | 39136846 | Good | First Data Corp | First Data Corp |
| US7660771B2 | 0.484 | Express check conversion | GRANT | 2010-02-09 | 2003-10-30 | 34550997 | Good | Wells Fargo Bank NA | Wells Fargo Bank NA |
| US20060041670A1 | 0.484 | Method computer system and computer program product for executing a network supported business transaction | APPLICATION | 2006-02-23 | 2004-08-20 | 34926240 | Good | BASF SE | BASF SE |
| US20060239512A1 | 0.483 | Anti-identity theft system and method | APPLICATION | 2006-10-26 | 2005-04-22 | 37186941 | Good | IMMe LLC | IMMe LLC |
| US20090228392A1 | 0.483 | Online credit escrow service | APPLICATION | 2009-09-10 | 2008-03-05 | 41054624 | Good | ||
| US20060036543A1 | 0.483 | Creating groups of linked accounts | APPLICATION | 2006-02-16 | 1998-04-24 | 35801162 | Good | First Data Corp | First Data Corp |
| US7565142B2 | 0.483 | Method and apparatus for secure immediate wireless access in a telecommunications network | GRANT | 2009-07-21 | 2002-03-04 | 27807336 | Good | Telespree Communications | EVOLVING SYSTEMS LABS Inc |
| US5893077A | 0.483 | Method and apparatus for generating and collecting a billing event object within an on-line network | GRANT | 1999-04-06 | 1995-08-23 | 24064352 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20050080723A1 | 0.483 | Computerized bargaining system and method | APPLICATION | 2005-04-14 | 1998-08-06 | 34422837 | Good | CYBERSETTLE HOLDING Inc | CYBERSETTLE HOLDING Inc |
| US20060107315A1 | 0.482 | System that uses access keys | APPLICATION | 2006-05-18 | 2004-11-18 | 36387826 | Good | Biogy Inc | Biogy Inc |
| US9088386B2 | 0.482 | Regulation of service in restricted telecommunication service area | GRANT | 2015-07-21 | 2009-10-09 | 43063686 | Good | AT&T Mobility II LLC | Simon Fraser University, AT&T Mobility II LLC |
| EP2342688A1 | 0.482 | SYSTEM COMPRISING A CONSUMER ITEM AN APPARATUS FOR DETECTING A CODE IN THE CONSUMER ITEM AND A SERVER AND METHOD FOR CARRYING OUT AN AUTHENTICITY CHECK | GRANT | 2011-07-13 | 2008-10-23 | 40740196 | Good | Rocks Intertainment GmbH | IT S TRUE - THE AUTHENTICATING COMPANY GMBH |
| US8078986B1 | 0.481 | Method and system for a browser module | GRANT | 2011-12-13 | 2007-10-31 | 45092820 | Good | Intuit Inc | Intuit Inc |
| US20060074986A1 | 0.481 | Method and system to authenticate an object | APPLICATION | 2006-04-06 | 2004-08-20 | 36142948 | Good | Viisage Technology Inc | Idemia Identity and Security USA LLC |
| US20070005988A1 | 0.481 | Multimodal authentication | APPLICATION | 2007-01-04 | 2005-06-29 | 37591239 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20100250411A1 | 0.481 | METHOD AND SYSTEM FOR CENTRALIZED IDENTITY AND ACCOUNT CONTROLS | APPLICATION | 2010-09-30 | 2009-03-30 | 42785437 | Good | ||
| US7835990B2 | 0.480 | Privacy protection system and method | GRANT | 2010-11-16 | 2001-05-08 | 26965707 | Good | iPool Corp | iPool Corp |
| US20040255127A1 | 0.480 | System and method of electronic signature verification | APPLICATION | 2004-12-16 | 2003-06-13 | 33511231 | Good | ||
| US7155739B2 | 0.480 | Method and system for secure registration storage management and linkage of personal authentication credentials data over a network | GRANT | 2006-12-26 | 2000-01-14 | 22642645 | Good | JBIP LLC | PINVAULTCOM INCD/B/A CATAVAULT, NortonLifeLock Inc |
| US9031537B2 | 0.480 | Electronic wireless hand held multimedia device | GRANT | 2015-05-12 | 2000-06-27 | 26908898 | Good | Mesa Digital LLC | Mesa Digital LLC |
| US6556127B1 | 0.480 | Speaker verification method | GRANT | 2003-04-29 | 1996-10-15 | 8166367 | Good | Swisscom AG | Swisscom AG |
| US5870459A | 0.480 | Recyclable cellular telephone and method and apparatus for supporting the use of a recyclable cellular telephone within a cellular telephone network | GRANT | 1999-02-09 | 1996-11-01 | 24983254 | Good | Ericsson Inc | BlackBerry Ltd, Ericsson Inc |
| US8271650B2 | 0.480 | Systems and method of identifying and managing abusive requests | GRANT | 2012-09-18 | 2009-08-25 | 46545004 | Good | Vizibility Inc | VIZIBILITY LLC |
| US8290840B2 | 0.480 | Method for determining insurance benefits and premiums from dynamic credit information | GRANT | 2012-10-16 | 2002-11-27 | 39775668 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20100211636A1 | 0.480 | MANAGEMENT OF PROFILES FOR INTERACTIVE MEDIA GUIDANCE APPLICATIONS | APPLICATION | 2010-08-19 | 2006-09-29 | 41105194 | Good | United Video Properties Inc | UV Corp, Rovi Guides Inc, TV Guide Inc |
| US8135831B2 | 0.479 | System method and apparatus for use in monitoring or controlling internet access | GRANT | 2012-03-13 | 2004-09-09 | 33186733 | Good | Websense UK Ltd | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US20010042785A1 | 0.479 | Method and apparatus for funds and credit line transfers | APPLICATION | 2001-11-22 | 1997-06-13 | 25363396 | Good | PayPal Inc | PayPal Inc |
| US8676672B2 | 0.479 | Systems and methods for electronic delivery of stored value | GRANT | 2014-03-18 | 2007-08-23 | 40378658 | Good | E2interactive Inc | E2interactive Inc |
| US9569797B1 | 0.479 | Systems and methods of presenting simulated credit score information | GRANT | 2017-02-14 | 2002-05-30 | 57965091 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20090199094A1 | 0.479 | System and method for rewards integration in a computer system | APPLICATION | 2009-08-06 | 2008-02-05 | 40932942 | Good | Wachovia Corp | Wells Fargo Bank NA |
| US6199077B1 | 0.478 | Server-side web summary generation and presentation | GRANT | 2001-03-06 | 1998-12-08 | 23259897 | Good | Yodlee com Inc | Yodlee com Inc |
| US6745196B1 | 0.478 | Method and apparatus for mapping a community through user interactions on a computer network | GRANT | 2004-06-01 | 1999-10-08 | 32328641 | Good | Intuit Inc | Intuit Inc |
| US20020013899A1 | 0.478 | Automated document distribution and transaction verification | APPLICATION | 2002-01-31 | 2000-06-17 | 26906992 | Good | Cardiff Software Inc | Cardiff Software Inc |
| US20040214600A1 | 0.478 | Guest services device | APPLICATION | 2004-10-28 | 2003-04-24 | 33303214 | Good | NORTH SHORE TRAVEL Ltd | NORTH SHORE TRAVEL Ltd |
| US7296734B2 | 0.478 | Systems and methods for scoring bank customers direct deposit account transaction activity to match financial behavior to specific acquisition performance and risk events defined by the bank using a decision tree and stochastic process | GRANT | 2007-11-20 | 2004-06-02 | 35450205 | Good | ||
| US7773585B2 | 0.478 | Internet protocol telephony voice/video message deposit and retrieval | GRANT | 2010-08-10 | 1999-11-08 | 23733860 | Good | Verizon Business Global LLC | OL Security LLC |
| US8086524B1 | 0.478 | Systems and methods for transaction processing and balance transfer processing | GRANT | 2011-12-27 | 2007-09-10 | 45349912 | Good | Argus Information and Advisory Services LLC | Argus Information and Advisory Services LLC |
| US20100122333A1 | 0.478 | METHOD AND SYSTEM FOR PROVIDING A FEDERATED AUTHENTICATION SERVICE WITH GRADUAL EXPIRATION OF CREDENTIALS | APPLICATION | 2010-05-13 | 2008-11-13 | 42166395 | Good | Vasco Data Security Inc | Onespan North America Inc |
| US9818157B2 | 0.477 | Method for using electronic metadata to verify insurance claims | GRANT | 2017-11-14 | 2008-10-07 | 42076476 | Good | State Farm Mutual Automobile Insurance Co | State Farm Mutual Automobile Insurance Co |
| US20080141346A1 | 0.477 | Mail server coordination activities using message metadata | APPLICATION | 2008-06-12 | 2006-12-11 | 39499902 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20090055292A1 | 0.476 | METHODS AND SYSTEMS TO FACILITATE A PURCHASE OF AN ITEM ON A NETWORK-BASED MARKETPLACE | APPLICATION | 2009-02-26 | 2007-08-23 | 40383061 | Good | eBay Inc | eBay Inc |
| WO2006055767A2 | 0.476 | BIOMETRIC PRINT QUALITY ASSURANCE | APPLICATION | 2006-05-26 | 2004-11-18 | 36407766 | Good | ||
| US6781608B1 | 0.476 | Gradual image display | GRANT | 2004-08-24 | 2000-06-30 | 32871512 | Good | America Online Inc | Facebook Inc |
| US20080126136A1 | 0.476 | Method and system for insuring against loss in connection with an online financial transaction | APPLICATION | 2008-05-29 | 2000-06-15 | 27395638 | Good | Travelers Property Casualty Corp | Travelers Indemnity Co |
| US7502454B2 | 0.476 | Method of accounting prepaid online internet service credit values | GRANT | 2009-03-10 | 2002-05-30 | 29582632 | Good | Slingshot Communications Inc | Qualcomm Inc |
| US20100257234A1 | 0.475 | METHOD AND APPARATUS FOR PROVIDING CONTENT TO MOBILE RECIPIENTS | APPLICATION | 2010-10-07 | 2009-04-03 | 42827078 | Good | ||
| US20090187607A1 | 0.475 | SYSTEM AND METHOD FOR PROFILE SYNCHRONIZATION | APPLICATION | 2009-07-23 | 2008-01-22 | 40612852 | Good | Samsung Electronics Co Ltd | Samsung Electronics Co Ltd |
| US20110184780A1 | 0.475 | INTEGRATION OF eCOMMERCE FEATURES INTO SOCIAL NETWORKING PLATFORM | APPLICATION | 2011-07-28 | 2010-01-21 | 44309655 | Good | eBay Inc | PayPal Inc |
| US7436965B2 | 0.475 | Optical out-of-band key distribution | GRANT | 2008-10-14 | 2003-02-19 | 32736425 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20070118754A1 | 0.475 | Time proof server terminal and time proving method | APPLICATION | 2007-05-24 | 2004-10-27 | 36227537 | Good | Mitsubishi Electric Corp | Mitsubishi Electric Corp |
| US20060136595A1 | 0.475 | Network-based verification and fraud-prevention system | APPLICATION | 2006-06-22 | 1998-12-08 | 38092712 | Good | Yodlee com Inc | Yodlee com Inc |
| US5870721A | 0.475 | System and method for real time loan approval | GRANT | 1999-02-09 | 1993-08-27 | 22348148 | Good | Affinity Tech Group Inc | Decisioningcom Inc |
| US7761384B2 | 0.474 | Strategy-driven methodology for reducing identity theft | GRANT | 2010-07-20 | 2006-03-16 | 38519110 | Good | ||
| US9077766B2 | 0.474 | System and method for combining memory resources for use on a personal network | GRANT | 2015-07-07 | 2004-07-09 | 35944765 | Good | Qualcomm Inc | Qualcomm Inc, Qualcomm Atheros Inc, BravoBrava Inc |
| US20030221113A1 | 0.474 | System for keying protected electronic data to particular media to prevent unauthorized copying using a compound key | APPLICATION | 2003-11-27 | 1998-04-17 | 29552514 | Good | Iomega Corp | EMC Corp |
| US20130013533A1 | 0.474 | APPARATUS METHODS AND COMPUTER PROGRAMS FOR METERING AND ACCOUNTING FOR SERVICES ACCESSED OVER A NETWORK | APPLICATION | 2013-01-10 | 2002-12-16 | 32506764 | Good | International Business Machines Corp | International Business Machines Corp |
| US7085997B1 | 0.474 | Network-based bookmark management and web-summary system | GRANT | 2006-08-01 | 1998-12-08 | 34987758 | Good | Yodlee com Inc | Yodlee com Inc |
| US8255298B1 | 0.474 | Method and apparatus for managing alerts | GRANT | 2012-08-28 | 2005-10-27 | 43617376 | Good | Intuit Inc | Intuit Inc |
| US5842211A | 0.474 | Method and system for transferring a bank file to an application program | GRANT | 1998-11-24 | 1996-03-15 | 26684884 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6725425B1 | 0.473 | Method and apparatus for retrieving information from semi-structured web-based data sources | GRANT | 2004-04-20 | 1998-12-08 | 24122608 | Good | Yodlee com Inc | Yodlee com Inc |
| US8738730B2 | 0.473 | System and method for remotely controlling network resources | GRANT | 2014-05-27 | 2004-07-09 | 36146712 | Good | Qualcomm Inc | Qualcomm Inc, Qualcomm Atheros Inc |
| US7610229B1 | 0.473 | System and method for interactively simulating a credit-worthiness score | GRANT | 2009-10-27 | 2002-05-30 | 41211155 | Good | Experian Information Solutions LLC | Consumerinfo com Inc |
| US20020013827A1 | 0.473 | Personal service environment management apparatus and methods | APPLICATION | 2002-01-31 | 2000-05-18 | 27394777 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US9036794B2 | 0.473 | Messaging system and method for providing information to a user device | GRANT | 2015-05-19 | 2007-04-25 | 39651429 | Good | Alcatel Lucent SAS | Nokia of America Corp |
| US7584126B1 | 0.473 | System and method for managing dedicated use of a credit account | GRANT | 2009-09-01 | 2003-08-18 | 41009251 | Good | Capital One Financial Corp | Capital One Services LLC |
| US8762243B2 | 0.473 | Systems and methods for electronic account certification and enhanced credit reporting | GRANT | 2014-06-24 | 2007-12-26 | 48798036 | Good | Formfree Holdings Corp | Formfree Holdings Corp |
| US6421729B1 | 0.473 | System and method for controlling transmission of stored information to internet websites | GRANT | 2002-07-16 | 1998-04-14 | 26765923 | Good | Citicorp Development Center Inc | Citicorp Credit Services Inc USA |
| US20030041019A1 | 0.473 | Methods and systems for deal structuring for automobile dealers | APPLICATION | 2003-02-27 | 2001-08-15 | 26720703 | Good | WESTLAKE SERVICES Inc | WESTLAKE SERVICES Inc |
| US20110148625A1 | 0.472 | METHOD AND SYSTEM OF PROVIDING LOCATION-BASED ALERTS FOR TRACKING PERSONAL ITEMS | APPLICATION | 2011-06-23 | 2009-12-23 | 44150234 | Good | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US20070093234A1 | 0.472 | IDENTIFY THEFT PROTECTION AND NOTIFICATION SYSTEM | APPLICATION | 2007-04-26 | 2004-08-20 | 39467381 | Good | ||
| US7747521B2 | 0.472 | System and method for monitoring events associated with a person or property | GRANT | 2010-06-29 | 2006-02-22 | 38459725 | Good | First American CoreLogic Inc | FIRST AMERICAN CORELOGIC HOLIDNGS Inc, CoreLogic Solutions LLC |
| US20030220871A1 | 0.472 | Customizable electronic bill presentment and payment system and method | APPLICATION | 2003-11-27 | 2002-05-22 | 29548604 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US5926754A | 0.471 | Directory assistance call processing systems and related methods | GRANT | 1999-07-20 | 1995-12-21 | 33132378 | Good | AT&T Corp | AT&T Corp |
| US20060271457A1 | 0.471 | Identity theft monitoring and prevention | APPLICATION | 2006-11-30 | 2005-05-26 | 37464638 | Good | Efunds Corp | Efunds Corp |
| US8171471B1 | 0.471 | Method and system for performing initial data setup of an application | GRANT | 2012-05-01 | 2007-08-02 | 45990980 | Good | Intuit Inc | Intuit Inc |
| US6070795A | 0.471 | Method of making recoverable smart card transactions a method of recovering such a transaction as well as a smart card allowing recoverable transactions | GRANT | 2000-06-06 | 1996-09-24 | 8224417 | Good | Koninklijke KPN NV | Koninklijke KPN NV |
| US7818228B1 | 0.470 | System and method for managing consumer information | GRANT | 2010-10-19 | 2004-12-16 | 42941281 | Good | Consumerdirect Inc | Consumerdirect Inc |
| US6718313B1 | 0.470 | Integrating live chat into an online credit card application | GRANT | 2004-04-06 | 1998-11-03 | 32034157 | Good | Next Card Inc | LivePerson Inc, Next Card Inc |
| US20060179079A1 | 0.470 | System method and apparatus for data transfer between computing hosts | APPLICATION | 2006-08-10 | 2005-02-09 | 36781123 | Good | Nokia Oyj | Nokia Solutions and Networks Oy |
| US20110072039A1 | 0.470 | SYSTEMS METHODS AND SOFTWARE APPLICATIONS FOR PROVIDING AN IDENTITY AND AGE-APPROPRIATE VERIFICATION REGISTRY | APPLICATION | 2011-03-24 | 2009-09-22 | 43757528 | Good | ||
| US20020042715A1 | 0.470 | Mobile call detail record separation for billing purposes | APPLICATION | 2002-04-11 | 2000-06-28 | 22800723 | Good | Sunward Technologies Inc | Sunward Technologies Inc |
| EP1897051A2 | 0.470 | METHOD AND SYSTEM FOR IDENTIFYING USERS AND DETECTING FRAUD BY USE OF THE INTERNET | GRANT | 2008-03-12 | 2005-06-27 | 37595583 | Good | 41st Parameter Inc | 41st Parameter Inc |
| US6490625B1 | 0.470 | Powerful and flexible server architecture | GRANT | 2002-12-03 | 1997-11-26 | 25527338 | Good | International Business Machines Corp | International Business Machines Corp |
| WO2010077989A1 | 0.469 | SYSTEM AND METHOD FOR AUTHORIZATION AND DISCLOSURE FOR BACKGROUND INFORMATION SEARCHES | APPLICATION | 2010-07-08 | 2008-12-16 | 42310153 | Good | ||
| US8977248B1 | 0.469 | Methods and systems for managing telecommunications and for translating voice messages to text messages | GRANT | 2015-03-10 | 2007-03-26 | 48365383 | Good | Callwave Communications LLC | Callwave Communications LLC |
| US7962410B2 | 0.469 | Customizable software agents in an electronic bill presentment and payment system | GRANT | 2011-06-14 | 2002-06-28 | 29779284 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US6898574B1 | 0.469 | Lender and insurer transaction processing system and method | GRANT | 2005-05-24 | 1998-11-09 | 34589515 | Good | D+h Collateral Management Corp | D+h Collateral Management Corp |
| US6128599A | 0.469 | Method and apparatus for processing customized group reward offers | GRANT | 2000-10-03 | 1997-10-09 | 25487354 | Good | Walker Asset Management LP | Groupon Inc |
| US20060008256A1 | 0.469 | Audio visual player apparatus and system and method of content distribution using the same | APPLICATION | 2006-01-12 | 2003-10-01 | 35541495 | Good | MusicGremlin Inc | SanDisk Technologies LLC |
| US8078516B1 | 0.469 | Method and system for managing financial data | GRANT | 2011-12-13 | 2008-06-17 | 45092765 | Good | Intuit Inc | Intuit Inc |
| US5754632A | 0.468 | Management of communications networks | GRANT | 1998-05-19 | 1993-03-31 | 8214368 | Good | British Telecommunications PLC | Azure Solutions Ltd |
| US6873972B1 | 0.468 | Systems and methods for credit line monitoring | GRANT | 2005-03-29 | 2000-08-01 | 34312577 | Good | General Electric Co | General Electric Co |
| US7562382B2 | 0.468 | Specializing support for a federation relationship | GRANT | 2009-07-14 | 2004-12-16 | 36032172 | Good | International Business Machines Corp | International Business Machines Corp |
| US6330551B1 | 0.468 | Computerized dispute resolution system and method | GRANT | 2001-12-11 | 1998-08-06 | 22443314 | Good | Cybersettle com Inc | CYBER$ETTLECOM Inc, CYBERSETTLE HOLDING Inc |
| US20060240809A1 | 0.468 | Method and system for restricting use of additional functions in a mobile terminal | APPLICATION | 2006-10-26 | 2005-04-20 | 36702649 | Good | Samsung Electronics Co Ltd | Samsung Electronics Co Ltd |
| US20070038568A1 | 0.468 | Fraud analyst smart cookie | APPLICATION | 2007-02-15 | 2004-09-17 | 38655836 | Good | Digital Envoy Inc | Digital Envoy Inc |
| US7050989B1 | 0.467 | Electronic commerce personalized content delivery system and method of operation | GRANT | 2006-05-23 | 2000-03-16 | 36423947 | Good | Coremetrics Inc | International Business Machines Corp |
| US6412073B1 | 0.467 | Method and apparatus for providing and maintaining a user-interactive portal system accessible via internet or other switched-packet-network | GRANT | 2002-06-25 | 1998-12-08 | 22775856 | Good | Yodiee com Inc | Yodlee com Inc, Yodiee com Inc |
| US20060080263A1 | 0.467 | Identity theft protection and notification system | APPLICATION | 2006-04-13 | 2004-10-13 | 36146588 | Good | ID ALARM Inc | ID ALARM Inc |
| US7640200B2 | 0.467 | Financial portfolio management system and method | GRANT | 2009-12-29 | 2000-07-10 | 42076538 | Good | ByAllAccounts Inc | Morningstar Inc |
| US20100217837A1 | 0.467 | MULTI-SERVICES APPLICATION GATEWAY AND SYSTEM EMPLOYING THE SAME | APPLICATION | 2010-08-26 | 2006-12-29 | 39304809 | Good | Prodea Systems Inc | KIP Prod P1 LP |
| US6422462B1 | 0.467 | Apparatus and methods for improved credit cards and credit card transactions | GRANT | 2002-07-23 | 1998-03-30 | 26762534 | Good | ||
| US20050105719A1 | 0.467 | Personal information control and processing | APPLICATION | 2005-05-19 | 2003-10-30 | 34567041 | Good | International Business Machines Corp | International Business Machines Corp |
| US6615193B1 | 0.467 | Monitoring system and method | GRANT | 2003-09-02 | 1997-04-22 | 10811120 | Good | Nice Systems Technologies UK Ltd | Nice Systems Technologies UK Ltd |
| US20050027624A1 | 0.467 | Supplementary prepaid account for postpaid service subscribers | APPLICATION | 2005-02-03 | 2003-07-28 | 34103433 | Good | Nokia of America Corp | Nokia of America Corp |
| US8527596B2 | 0.466 | System and method for monitoring activity of a specified user on internet-based social networks | GRANT | 2013-09-03 | 2009-11-10 | 43974962 | Good | Youdiligence LLC | Profile Protector LLC |
| US20100185546A1 | 0.466 | PERSONAL DATA SUBSCRIBER SYSTEMS AND METHODS | APPLICATION | 2010-07-22 | 2009-01-20 | 42337701 | Good | Titanium Fire Ltd | TITANIUM FIRE Ltd EXECUTIVE PENSION SCHEME |
| US20030018578A1 | 0.466 | Product registration using an electronically read serial number | APPLICATION | 2003-01-23 | 2000-02-03 | 46280650 | Good | Afterbot Inc | Afterbot Inc |
| US20020088853A1 | 0.466 | Service ticket issuing system and service ticket issuing service | APPLICATION | 2002-07-11 | 2000-09-30 | 26603493 | Good | Sega Corp | Sega Corp |
| US7447663B1 | 0.466 | Method for on-line client set-up and authorization of automatic electronic funds transfers | GRANT | 2008-11-04 | 2003-09-10 | 39916566 | Good | Ameriprise Financial Inc | Ameriprise Financial Inc |
| US7792716B2 | 0.466 | Searching for and identifying automated clearing house transactions by transaction type | GRANT | 2010-09-07 | 2002-10-31 | 46302983 | Good | Federal Reserve Bank of Minneapolis, Federal Reserve Bank of Atlanta | Federal Reserve Bank of Minneapolis, Federal Reserve Bank of Atlanta |
| US20090292606A1 | 0.466 | ELECTRONIC OFFER MANAGEMENT SYSTEM AND METHOD THEREFOR | APPLICATION | 2009-11-26 | 2000-09-20 | 24671587 | Good | Quotient Technology Inc | Quotient Technology Inc |
| US20100107230A1 | 0.466 | SYSTEM METHOD AND APPARATUS FOR AUTHENTICATING AND PROTECTING AN IP USER-END DEVICE | APPLICATION | 2010-04-29 | 2007-02-08 | 40798336 | Good | Sipera Systems Inc | Avaya Inc |
| US20030002671A1 | 0.466 | Delivery of electronic content over a network using a hybrid optical disk for authentication | APPLICATION | 2003-01-02 | 2001-06-11 | 25372049 | Good | Eastman Kodak Co | Eastman Kodak Co |
| US10354235B1 | 0.465 | Systems and methods for digital signature detection | GRANT | 2019-07-16 | 2007-09-28 | 53279916 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20060218407A1 | 0.465 | Method of confirming the identity of a person | APPLICATION | 2006-09-28 | 2005-03-24 | 37036580 | Good | ||
| US20120036565A1 | 0.465 | PERSONAL DATA PROTECTION SUITE | APPLICATION | 2012-02-09 | 2010-04-05 | 45557068 | Good | White Sky Inc | White Sky Inc |
| US8347364B2 | 0.464 | Systems and methods for user interface control | GRANT | 2013-01-01 | 2006-10-27 | 43589371 | Good | Aurora Financial Systems Inc | AURORA FINANCIAL SYSTEMS HOLDINGS Inc |
| US6341272B1 | 0.464 | Business service platform network and system | GRANT | 2002-01-22 | 1995-03-08 | 23586182 | Good | Huntington Bancshares Inc | DataTreasury Corp |
| US9019104B2 | 0.464 | System for relative positioning of access points in a real time locating system | GRANT | 2015-04-28 | 2009-08-14 | 43588252 | Good | Accenture Global Services Ltd | Accenture Global Services GmbH, Accenture Global Services Ltd |
| US6308268B1 | 0.464 | Portable electronic device for safe communication system and method for initializing its parameters | GRANT | 2001-10-23 | 1997-08-21 | 9510423 | Good | ActivCard SA | ActivIdentity Europe SA, Assa Abloy AB |
| US6847708B1 | 0.464 | Method and apparatus for validating pre-pay and post-pay communication services using the same integrated database | GRANT | 2005-01-25 | 2000-06-19 | 34062210 | Good | Sprint Communications Co LP | Sprint Communications Co LP |
| US20110083181A1 | 0.463 | COMPREHENSIVE PASSWORD MANAGEMENT ARRANGMENT FACILITATING SECURITY | APPLICATION | 2011-04-07 | 2009-10-01 | 43824171 | Good | Kaspersky Lab AO | Kaspersky Lab AO |
| US20020152070A1 | 0.463 | Electronic system and method for identifying an authorized user and program therefor | APPLICATION | 2002-10-17 | 2001-04-13 | 18966733 | Good | NEC Corp | NEC Corp |
| US20080031447A1 | 0.463 | SYSTEMS AND METHODS FOR AGGREGATION OF ACCESS TO NETWORK PRODUCTS AND SERVICES | APPLICATION | 2008-02-07 | 2006-08-04 | 39029201 | Good | ||
| US7200804B1 | 0.463 | Method and apparatus for providing automation to an internet navigation application | GRANT | 2007-04-03 | 1998-12-08 | 28457919 | Good | Yodlee com Inc | Yodlee com Inc |
| US8676684B2 | 0.463 | System and method for evaluating risk in fraud prevention | GRANT | 2014-03-18 | 2010-04-12 | 45527712 | Good | Iovation Inc | Iovation Inc |
| US7430520B1 | 0.463 | System and method for determining the level of a authentication required for redeeming a customer's award credits | GRANT | 2008-09-30 | 2000-08-11 | 39776552 | Good | Affinion Net Patents Inc | Affinion Net Patents Inc |
| US7280645B1 | 0.463 | Method of associating multiple prepaid cards with a single account | GRANT | 2007-10-09 | 2002-06-27 | 38562196 | Good | AT&T Corp | AT&T Corp, Walmart Inc |
| US20070011724A1 | 0.463 | Mass storage device with automated credentials loading | APPLICATION | 2007-01-11 | 2005-07-08 | 44260296 | Good | SanDisk Corp | SanDisk Technologies LLC |
| US5991411A | 0.463 | Method and means for limiting adverse use of counterfeit credit cards access badges electronic accounts or the like | GRANT | 1999-11-23 | 1996-10-08 | 24930241 | Good | International Business Machines Corp | International Business Machines Corp |
| US10856187B2 | 0.463 | Communication apparatus communication system notification method and program product | GRANT | 2020-12-01 | 2008-07-14 | 41170157 | Good | Sony Corp | Sony Corp |
| US20040106433A1 | 0.462 | Method and system for wireless LAN communication | APPLICATION | 2004-06-03 | 2002-11-29 | 32376107 | Good | NEC Platforms Ltd | NEC Corp |
| US8456293B1 | 0.462 | Providing electronic content based on sensor data | GRANT | 2013-06-04 | 2007-10-22 | 48484293 | Good | Alarm com Inc | Alarm com Inc |
| US7433836B1 | 0.462 | Enterprise information and communication system having a transaction management engine for managing bills vouchers purchases and email notifications | GRANT | 2008-10-07 | 2000-09-01 | 39797362 | Good | Nokia of America Corp | Provenance Asset Group LLC, Nokia USA Inc |
| US20090319648A1 | 0.462 | Branded Advertising Based Dynamic Experience Generator | APPLICATION | 2009-12-24 | 2008-06-24 | 41432392 | Good | MOBILE TRIBE LLC | MOBILE TRIBE LLC |
| US6549770B1 | 0.462 | Over the air programming and/or service activation | GRANT | 2003-04-15 | 2000-05-26 | 24312955 | Good | Cellco Partnership | Cellco Partnership |
| US7849004B2 | 0.462 | Total structural risk model | GRANT | 2010-12-07 | 2008-02-29 | 41013904 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20120072338A1 | 0.462 | Machine Program Product and Computer-Implemented Method to Construct a Person-To-Person Loan | APPLICATION | 2012-03-22 | 2010-02-26 | 45439279 | Good | ||
| US6070796A | 0.461 | Conditional access method and device | GRANT | 2000-06-06 | 1995-08-21 | 26232166 | Good | ||
| US8413239B2 | 0.461 | Web security via response injection | GRANT | 2013-04-02 | 2009-02-22 | 42632082 | Good | Zscaler Inc | Zscaler Inc |
| US20020052798A1 | 0.461 | Service system | APPLICATION | 2002-05-02 | 2000-11-02 | 18815317 | Good | Hitachi Ltd | Hitachi Ltd |
| US20060101508A1 | 0.461 | Identity verification system | APPLICATION | 2006-05-11 | 2004-06-09 | 35510094 | Good | Identifid LLC | Identifid LLC |
| US20030069839A1 | 0.461 | Method for confirming and reporting financial data | APPLICATION | 2003-04-10 | 2000-01-24 | 27050125 | Good | ||
| US20050283414A1 | 0.461 | Remote system management | APPLICATION | 2005-12-22 | 2004-06-17 | 35481786 | Good | Chromavision Medical Systems Inc | Carl Zeiss Microscopy GmbH |
| US8302872B2 | 0.461 | Advanced dynamic credit cards | GRANT | 2012-11-06 | 2007-12-24 | 40787420 | Good | Dynamics Inc | Dynamics Inc |
| US20080210752A1 | 0.460 | SYSTEM AND METHOD FOR TRANSFERRING FUNDS | APPLICATION | 2008-09-04 | 2000-06-06 | 22779332 | Good | UNIVERSAL TRANSACTIONS SYSTEMS Ltd | UNIVERSAL TRANSACTIONS SYSTEMS Ltd |
| US7571322B2 | 0.460 | Enhanced cookie management | GRANT | 2009-08-04 | 2004-08-10 | 35801387 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| WO2006069199A2 | 0.460 | PERSONAL CREDIT MANAGEMENT AND MONITORING SYSTEM AND METHOD | APPLICATION | 2006-06-29 | 2004-12-20 | 36602308 | Good | ||
| US6782120B2 | 0.460 | Method and system for generating a key record | GRANT | 2004-08-24 | 2000-05-09 | 7641311 | Good | Giesecke and Devrient GmbH | Giesecke and Devrient GmbH |
| US20070293191A1 | 0.460 | Pre-paid security mechanism in a post-pay telecommunications system | APPLICATION | 2007-12-20 | 2006-05-26 | 38832277 | Good | Telcordia Technologies Inc | Nytell Software LLC |
| US7058817B1 | 0.460 | System and method for single sign on process for websites with multiple applications and services | GRANT | 2006-06-06 | 1999-07-02 | 36569087 | Good | Chase Manhattan Bank NA | JPMorgan Chase Bank NA |
| US7707271B2 | 0.460 | Delivering personalized content data via local network | GRANT | 2010-04-27 | 2001-04-19 | 8181904 | Good | British Telecommunications PLC | British Telecommunications PLC |
| US20050273431A1 | 0.460 | System and method for consumer control over card-based transactions | APPLICATION | 2005-12-08 | 2000-07-11 | 35450206 | Good | Mastercard International Inc | Mastercard International Inc |
| US20040123113A1 | 0.459 | Portable or embedded access and input devices and methods for giving access to access limited devices apparatuses appliances systems or networks | APPLICATION | 2004-06-24 | 2002-12-18 | 32592957 | Good | ||
| US20050160280A1 | 0.459 | Method and system for providing fraud detection for remote access services | APPLICATION | 2005-07-21 | 2003-05-15 | 33479269 | Good | MCI LLC | Verizon Patent and Licensing Inc |
| US20060146023A1 | 0.459 | Mobile computer mouse | APPLICATION | 2006-07-06 | 2005-01-04 | 36639834 | Good | ||
| US20040093278A1 | 0.459 | Computerized dispute resolution system and method | APPLICATION | 2004-05-13 | 1998-08-06 | 36146529 | Good | CYBERSETTLE HOLDING Inc | CYBERSETTLE HOLDING Inc |
| US6990591B1 | 0.459 | Method and system for remotely configuring and monitoring a communication device | GRANT | 2006-01-24 | 1999-11-18 | 26862122 | Good | SecureWorks Inc | SecureWorks Inc, LURHQ Corp |
| US7187928B1 | 0.458 | Call delivery systems for roaming prepaid subscribers | GRANT | 2007-03-06 | 1998-11-24 | 37807223 | Good | Boston Communications Group Inc | Xius Holding Corp |
| US20110258001A1 | 0.458 | INTEGRATED MEDICAL SOFTWARE SYSTEM WITH LOCATION-DRIVEN BILL CODING | APPLICATION | 2011-10-20 | 2002-04-19 | 42139413 | Good | Greenway Medical Tech Inc | Greenway Health Inc |
| US8069407B1 | 0.458 | Method and apparatus for detecting changes in websites and reporting results to web developers for navigation template repair purposes | GRANT | 2011-11-29 | 1998-12-08 | 44994430 | Good | Yodlee com Inc | Yodlee com Inc |
| US8402526B2 | 0.458 | System integrating an identity selector and user-portable device and method of use in a user-centric identity management system | GRANT | 2013-03-19 | 2008-05-27 | 41381386 | Good | Open Invention Network LLC | Open Invention Network LLC |
| US7769209B2 | 0.458 | Biometric authentication method and biometric authentication apparatus | GRANT | 2010-08-03 | 2006-03-14 | 37499605 | Good | Fujitsu Ltd, Fujitsu Frontech Ltd | Fujitsu Frontech Ltd |
| US20070016518A1 | 0.458 | SYSTEM AND PROCESS FOR PROVIDING LOANS OR OTHER FINANCING INSTRUMENTS | APPLICATION | 2007-01-18 | 2005-07-12 | 37662815 | Good | Kestrel Wireless Inc | NXP BV |
| US20050092835A1 | 0.458 | Registration method as for voting | APPLICATION | 2005-05-05 | 2001-08-02 | 27583757 | Good | Avante International Technology Inc | Avante International Technology Inc |
| US20080222706A1 | 0.458 | GLOBALLY AWARE AUTHENTICATION SYSTEM | APPLICATION | 2008-09-11 | 2007-03-06 | 39742981 | Good | COGNETO DEVELOPMENT Inc | COGNETO DEVELOPMENT Inc |
| US10079825B2 | 0.458 | Method and apparatus for authenticating RFID tags | GRANT | 2018-09-18 | 2009-08-01 | 43526445 | Good | RFMicron Inc | RFMicron Inc |
| US20080060069A1 | 0.458 | METHODS AND APPARATUS FOR DATA TRANSFER | APPLICATION | 2008-03-06 | 2005-08-12 | 39153622 | Good | Slingshot Communications Inc | Slingshot Communications Inc |
| US20010029482A1 | 0.458 | Online mortgage approval and settlement system and method therefor | APPLICATION | 2001-10-11 | 2000-04-10 | 27393504 | Good | Integrate Online Inc | DICKSON LEUNG ESQ, MATTHEW S DEARMEY ESQ |
| US6119103A | 0.458 | Financial risk prediction systems and methods therefor | GRANT | 2000-09-12 | 1997-05-27 | 25341538 | Good | Visa International Service Association | Visa International Service Association |
| US20110053556A1 | 0.457 | Computer Mouse For Secure Communication With A Mobile Communication Device | APPLICATION | 2011-03-03 | 2009-02-27 | 42244680 | Good | Logomotion sro | Logomotion sro |
| US8527357B1 | 0.457 | Client and server system for coordinating messaging between motivated buyers and listed sellers | GRANT | 2013-09-03 | 2007-12-21 | 49034760 | Good | SEEMYLEADCOM DOING BUSINESS AS R2BCOM | Yellcast Inc |
| US20060117188A1 | 0.457 | Biometric print quality assurance | APPLICATION | 2006-06-01 | 2004-11-18 | 36568519 | Good | Bionopoly LLC | Biogy Inc |
| US8249968B1 | 0.457 | Real-time insurance estimate based on non-personal identifying information | GRANT | 2012-08-21 | 2008-02-15 | 44936873 | Good | Allstate Insurance Co | Allstate Insurance Co |
| US20090157693A1 | 0.457 | DYNAMIC SOCIAL NETWORK SYSTEM | APPLICATION | 2009-06-18 | 2007-12-17 | 40751904 | Good | Smooth Productions Inc | Smooth Productions Inc |
| US20030203731A1 | 0.457 | Cellular telephone and method of displaying account information | APPLICATION | 2003-10-30 | 2002-04-29 | 29406748 | Good | Lavaflow LLP | Lavaflow LLP |
| US20040024671A1 | 0.457 | Synthetic funds having structured notes | APPLICATION | 2004-02-05 | 2002-08-02 | 31191344 | Good | Bank One Delaware NA | JPMorgan Chase Bank NA |
| US7970701B2 | 0.456 | Method and apparatus for evaluating fraud risk in an electronic commerce transaction | GRANT | 2011-06-28 | 1997-07-28 | 39499442 | Good | CyberSource Corp | CyberSource Corp |
| US6636803B1 | 0.456 | Real-estate information search and retrieval system | GRANT | 2003-10-21 | 2001-11-30 | 28792631 | Good | Corus Home Realty | Corus Realty Holdings Inc, Corus Home Realty |
| US8065367B1 | 0.456 | Method and apparatus for scheduling requests during presentations | GRANT | 2011-11-22 | 2007-07-31 | 44936896 | Good | Intuit Inc | Intuit Inc |
| US10796392B1 | 0.456 | Systems and methods for facilitating booking bonding and release | GRANT | 2020-10-06 | 2007-05-22 | 72664036 | Good | Securus Technologies LLC | Securus Technologies LLC |
| US20080177655A1 | 0.456 | SYSTEMS AND METHODS OF UNDERWRITING BUSINESS CREDIT | APPLICATION | 2008-07-24 | 2007-01-23 | 39642202 | Good | ||
| US20020035479A1 | 0.455 | Access contract changing method for automatically changing an access contract between a prepaid contract and a postpaid contract | APPLICATION | 2002-03-21 | 2000-09-20 | 18770084 | Good | Fujitsu Ltd | Fujitsu Ltd |
| US7239862B1 | 0.455 | Method of and system for processing prepaid wireless data communications | GRANT | 2007-07-03 | 2002-09-19 | 38196878 | Good | Cellco Partnership | Cellco Partnership |
| US6302326B1 | 0.455 | Financial transaction processing system and method | GRANT | 2001-10-16 | 1996-06-10 | 27486858 | Good | Diebold Inc | Diebold Nixdorf Inc |
| US20120005221A1 | 0.455 | EXTRACTING FACTS FROM SOCIAL NETWORK MESSAGES | APPLICATION | 2012-01-05 | 2010-06-30 | 45400516 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US5819234A | 0.454 | Toll collection system | GRANT | 1998-10-06 | 1996-07-29 | 24736453 | Good | Chase Manhattan Bank NA | JPMorgan Chase Bank NA |
| US6993596B2 | 0.454 | System and method for user enrollment in an e-community | GRANT | 2006-01-31 | 2001-12-19 | 21878201 | Good | International Business Machines Corp | Activision Publishing Inc |
| US6574798B1 | 0.454 | System and controller for control and distribution of audio and video signals | GRANT | 2003-06-03 | 1999-02-03 | 4163259 | Good | Sasktel | Sasktel |
| US9003300B2 | 0.454 | Voice response unit proxy utilizing dynamic web interaction | GRANT | 2015-04-07 | 2008-10-03 | 42076780 | Good | International Business Machines Corp | International Business Machines Corp |
| US20080010372A1 | 0.454 | AUDIO VISUAL PLAYER APPARATUS AND SYSTEM AND METHOD OF CONTENT DISTRIBUTION USING THE SAME | APPLICATION | 2008-01-10 | 2003-10-01 | 46329034 | Good | Music Gremlin Inc | Music Gremlin Inc, SanDisk Technologies LLC |
| US7734637B2 | 0.453 | Method and system for automatic detection of monitoring data sources | GRANT | 2010-06-08 | 2002-12-05 | 32474625 | Good | Borland Software Corp | Borland Software Corp |
| US6597774B1 | 0.453 | System and method for providing an alert during communications | GRANT | 2003-07-22 | 2000-06-13 | 24375477 | Good | Nortel Networks Ltd | Avaya Inc |
| US20060282374A1 | 0.453 | CREDIT UNDERWRITING BASED ELECTRONIC FUND TRANSFER | APPLICATION | 2006-12-14 | 2005-06-09 | 37525230 | Good | Valued Services Intellectual Property Management Inc II | Compucredit Intellectual Property Holdings Corp II |
| US20100030578A1 | 0.453 | SYSTEM AND METHOD FOR COLLABORATIVE SHOPPING BUSINESS AND ENTERTAINMENT | APPLICATION | 2010-02-04 | 2008-03-21 | 40639960 | Good | DRESSBOT Inc | DRESSBOT Inc |
| US20030061168A1 | 0.453 | Method for generating customer secure card numbers | APPLICATION | 2003-03-27 | 2001-09-21 | 25503525 | Good | PrivaSys Inc | PrivaSys Inc |
| US20090024484A1 | 0.453 | SYSTEM AND METHOD FOR MANAGING CUSTOMIZED REWARD OFFERS | APPLICATION | 2009-01-22 | 1997-08-28 | 27025590 | Good | Walker Digital LLC | PayPal Inc |
| US20100077483A1 | 0.453 | METHODS SYSTEMS AND MEDIA FOR BAITING INSIDE ATTACKERS | APPLICATION | 2010-03-25 | 2007-06-12 | 42038975 | Good | Columbia University of New York | Columbia University of New York |
| US8064877B2 | 0.452 | Charging method and network system thereof packet data network gateway and charging system thereof | GRANT | 2011-11-22 | 2007-08-20 | 40377837 | Good | Huawei Technologies Co Ltd | Huawei Technologies Co Ltd |
| US6049710A | 0.452 | Wireless prepaid telephone system with dispensable instruments | GRANT | 2000-04-11 | 1997-06-19 | 25373001 | Good | Dot 23 Technologies LLC | Dot 23 Technologies LLC |
| US20070130347A1 | 0.452 | Method and Apparatus for Providing Calculated and Solution-Oriented Personalized Summary-Reports to a User through a Single User-Interface | APPLICATION | 2007-06-07 | 1998-12-08 | 38120098 | Good | Yodlee com Inc | Yodlee com Inc |
| US20100043055A1 | 0.452 | METHODS AND SYSTEMS FOR ONLINE FRAUD PROTECTION | APPLICATION | 2010-02-18 | 2008-08-12 | 41669660 | Good | First Data Corp | First Data Corp |
| US7779072B2 | 0.452 | SIP-based feature control | GRANT | 2010-08-17 | 1999-11-08 | 23733849 | Good | Verizon Business Global LLC | Verizon Patent and Licensing Inc |
| US20140201770A1 | 0.452 | METHODS FOR ANALYZING AND COMPRESSING MULTIPLE IMAGES | APPLICATION | 2014-07-17 | 2007-01-10 | 51166327 | Good | ||
| US6999941B1 | 0.451 | Providing gift clustering functionality to assist a user in ordering multiple items for a recipient | GRANT | 2006-02-14 | 2000-07-11 | 26911845 | Good | Amazon com Inc | Amazon Technologies Inc |
| US20020143943A1 | 0.451 | Support for multiple data stores | APPLICATION | 2002-10-03 | 2000-12-22 | 27401106 | Good | Oblix Inc | Oracle International Corp |
| US4701601A | 0.451 | Transaction card with magnetic stripe emulator | GRANT | 1987-10-20 | 1985-04-26 | 24924412 | Good | Visa International Service Association | Visa International Service Association |
| US7065566B2 | 0.451 | System and method for business systems transactions and infrastructure management | GRANT | 2006-06-20 | 2001-03-30 | 24735208 | Good | Tonic Software Inc | CAI Software LLC |
| US7475032B1 | 0.451 | Systems and methods for creating financial advice applications | GRANT | 2009-01-06 | 1999-11-16 | 22600045 | Good | Ameriprise Financial Inc | Ameriprise Financial Inc |
| US6137872A | 0.451 | Combination pre-paid and calling card | GRANT | 2000-10-24 | 1998-05-18 | 22158006 | Good | AT&T Corp | AT&T Corp |
| US7099651B2 | 0.451 | Cellular phone managing method managing apparatus record medium and cellular phone apparatus | GRANT | 2006-08-29 | 2000-08-31 | 18750043 | Good | Fujitsu Ltd | Fujitsu Ltd |
| US8930233B2 | 0.450 | System and method for anonymous location based services | GRANT | 2015-01-06 | 2000-06-07 | 46331795 | Good | Apple Inc | Apple Inc |
| US20100258625A1 | 0.450 | Dynamic Card Verification Values and Credit Transactions | APPLICATION | 2010-10-14 | 2009-03-27 | 42814301 | Good | Intersections Inc | Intersections Inc |
| US7229006B2 | 0.450 | Systems and methods for remote account control | GRANT | 2007-06-12 | 2004-05-18 | 35451535 | Good | RBA International Inc | AURORA FINANCIAL SYSTEMS HOLDINGS Inc, RBA International Inc |
| US7940902B2 | 0.450 | Method and apparatus for implementing card call service | GRANT | 2011-05-10 | 2005-04-13 | 37078224 | Good | Huawei Technologies Co Ltd | Huawei Technologies Co Ltd |
| US5878403A | 0.450 | Computer implemented automated credit application analysis and decision routing system | GRANT | 1999-03-02 | 1995-09-12 | 24098752 | Good | CMSI | DealerTrack Inc, CMSI |
| US8312033B1 | 0.450 | Systems and methods for providing an integrated identifier | GRANT | 2012-11-13 | 2008-06-26 | 47114633 | Good | Experian Marketing Solutions Inc | Experian Information Solutions LLC |
| US20040006699A1 | 0.449 | Secure token access distributed database system | APPLICATION | 2004-01-08 | 2002-02-12 | 30002879 | Good | Semtek Innovative Solutions Corp | Verifone Inc |
| US20020198806A1 | 0.449 | Systems and methods for accessing and modifying usage parameters associated with a financial transaction account | APPLICATION | 2002-12-26 | 1998-04-24 | 27491757 | Good | First Data Corp | First Data Corp |
| US7930252B2 | 0.449 | Method and system for sharing anonymous user information | GRANT | 2011-04-19 | 2000-10-24 | 22915801 | Good | Google LLC | Google LLC |
| US20070233597A1 | 0.449 | LEAST COST NETWORK ROUTING FOR ELECTRONIC TRANSACTIONS | APPLICATION | 2007-10-04 | 2006-03-06 | 38475815 | Good | First Data Corp | First Data Corp |
| US20100125521A1 | 0.449 | Biller focused business to business electronic invoice presentment and accounts receivables reconciliation system | APPLICATION | 2010-05-20 | 2001-12-03 | 42172740 | Good | Bank One Delaware NA | Chase Bank USA NA |
| US6963857B1 | 0.448 | Network-accessible account system | GRANT | 2005-11-08 | 1999-07-12 | 34748684 | Good | JSA Technologies | JSA Technologies |
| US20100228658A1 | 0.448 | SYSTEM AND METHOD FOR CREDIT REPORTING | APPLICATION | 2010-09-09 | 2009-03-06 | 42679086 | Good | Clarity Services Inc | Clarity Services Inc |
| US20080269947A1 | 0.448 | Automated Vending of Products Containing Controlled Substances | APPLICATION | 2008-10-30 | 2007-04-25 | 39887965 | Good | Asteres Inc | Asteres Inc |
| US6553178B2 | 0.448 | Advertisement subsidized video-on-demand system | GRANT | 2003-04-22 | 1992-02-07 | 29273465 | Good | Nissim Corp | Nissim Corp |
| US6477565B1 | 0.448 | Method and apparatus for restructuring of personalized data for transmission from a data network to connected and portable network appliances | GRANT | 2002-11-05 | 1999-06-01 | 23574926 | Good | Yodlee com Inc | Yodlee com Inc |
| US20080249869A1 | 0.448 | METHOD AND APPARATUS FOR PRESENTING DISINCENTIVE MARKETING CONTENT TO A CUSTOMER BASED ON A CUSTOMER RISK ASSESSMENT | APPLICATION | 2008-10-09 | 2007-04-03 | 39827788 | Good | International Business Machines Corp | Daedalus Blue LLC |
| US9042526B2 | 0.447 | Method and apparatus for enabling a calling party to leave a voice message for a called party in response to a command provided by the calling party | GRANT | 2015-05-26 | 2007-11-23 | 40667072 | Good | BCE Inc | BCE Inc |
| US7949594B2 | 0.447 | Systems and methods for participant controlled communications regarding financial accounts | GRANT | 2011-05-24 | 2003-09-26 | 34422024 | Good | First Data Corp | First Data Corp |
| US6606690B2 | 0.447 | System and method for accessing a storage area network as network attached storage | GRANT | 2003-08-12 | 2001-02-20 | 25135617 | Good | Hewlett Packard Development Co LP | Hewlett Packard Enterprise Development LP |
| US6154729A | 0.447 | Method of reporting merchant information to banks | GRANT | 2000-11-28 | 1998-06-19 | 22276365 | Good | First Data Corp | RELIANCE DATA LP |
| US20020049677A1 | 0.447 | INFORMATION RECORDING MEDIUM RECORDING APPARATUS INFORMATION TRANSMISSION SYSTEM AND DECRYPTION APPARATUS | APPLICATION | 2002-04-25 | 1997-02-07 | 12162254 | Good | Toshiba Corp | Toshiba Corp |
| US20020111816A1 | 0.447 | System and method for managing consumer information | APPLICATION | 2002-08-15 | 2001-02-13 | 25121991 | Good | Capital One Financial Corp | Capital One Services LLC |
| US6105007A | 0.447 | Automatic financial account processing system | GRANT | 2000-08-15 | 1993-08-27 | 26810799 | Good | Affinity Tech Group Inc | Decisioningcom Inc |
| US20060282373A1 | 0.447 | CREDIT UNDERWRITING BASED ON PAPER INSTRUMENT | APPLICATION | 2006-12-14 | 2005-06-09 | 37525229 | Good | Valued Services Intellectual Property Management Inc II | Valued Services Intellectual Property Management Inc II, Compucredit Intellectual Property Holdings Corp II |
| US8689001B1 | 0.447 | Method and system for protecting user identification information | GRANT | 2014-04-01 | 2007-06-29 | 50349016 | Good | Symantec Corp | NortonLifeLock Inc |
| US9178974B2 | 0.447 | Transaction security method and system | GRANT | 2015-11-03 | 2010-03-22 | 42228111 | Good | Veritape Ltd | ECKOH UK Ltd |
| US8566187B2 | 0.446 | Interactive account management system and method | GRANT | 2013-10-22 | 2007-12-07 | 45931483 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US6115690A | 0.446 | Integrated business-to-business Web commerce and business automation system | GRANT | 2000-09-05 | 1997-12-22 | 25541977 | Good | BIG BABOON Inc | BIG BABOON Inc |
| US9179296B2 | 0.446 | System and method for device authentication in a dynamic network using wireless communication devices | GRANT | 2015-11-03 | 2009-03-03 | 46126988 | Good | Mobilitie LLC | Mobilitie LLC |
| US20050197892A1 | 0.446 | Apparatus systems and methods for zone level rating for each of multiple carriers | APPLICATION | 2005-09-08 | 1999-10-06 | 38874553 | Good | Stamps com Inc, iShip Inc | Stamps com Inc, iShip Inc |
| US20140350932A1 | 0.446 | VOICE PRINT IDENTIFICATION PORTAL | APPLICATION | 2014-11-27 | 2007-03-13 | 39854992 | Good | Voicelt Technologies LLC | VOICEIT TECHNOLOGY |
| US20080033956A1 | 0.446 | Distribution of Content Document to Varying Users With Security Customization and Scalability | APPLICATION | 2008-02-07 | 2006-08-07 | 39030493 | Good | Google LLC | Google LLC |
| US7970698B2 | 0.445 | Application processing and decision systems and processes | GRANT | 2011-06-28 | 2003-08-27 | 34272668 | Good | Equifax Inc | Equifax Inc |
| US6842782B1 | 0.445 | Method and apparatus for tracking functional states of a web-site and reporting results to web developers | GRANT | 2005-01-11 | 1998-12-08 | 34595803 | Good | Yodlee com Inc | Yodlee com Inc |
| US20080179390A1 | 0.445 | Anti-counterfeiting system and method for conducting retail analysis | APPLICATION | 2008-07-31 | 2007-01-25 | 39666818 | Good | Lokesh Prem HARJANI | Lokesh Prem HARJANI |
| US20070055574A1 | 0.445 | Commonly available device statistics for POS devices | APPLICATION | 2007-03-08 | 2005-08-31 | 37831100 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7647344B2 | 0.445 | System method and software for providing persistent entity identification and linking entity information in an integrated data repository | GRANT | 2010-01-12 | 2003-05-29 | 33457577 | Good | Experian Marketing Solutions Inc | Experian Information Solutions LLC |
| US20020032647A1 | 0.445 | A Referrer-Controlled System for Transfering an Inbound Communication to One of a Plurality of Financial Assistance Providers | APPLICATION | 2002-03-14 | 2000-10-19 | 24781637 | Good | Peregrin Services Corp | Peregrin Licensing LLC, Peregrin Services Corp |
| US7302272B2 | 0.445 | Cell phone parental control | GRANT | 2007-11-27 | 2003-09-26 | 34392898 | Good | Disney Enterprises Inc | Disney Enterprises Inc |
| US7844604B2 | 0.445 | Automatically generating user-customized notifications of changes in a social network system | GRANT | 2010-11-30 | 2006-12-28 | 39585448 | Good | Yahoo Inc | R2 Solutions LLC, Altaba Inc |
| US20050033988A1 | 0.445 | Method and system for transparent encryption and authentication of file data protocols over internet protocol | APPLICATION | 2005-02-10 | 2002-10-18 | 34118430 | Good | NeoScale Systems Inc | nCipher Corp Ltd |
| US20130125010A1 | 0.445 | METHOD AND APPARATUS OF PROVIDING PERSONALIZED VIRTUAL ENVIRONMENT | APPLICATION | 2013-05-16 | 2009-05-08 | 43050028 | Good | Nokia Oyj | Beijing Xiaomi Mobile Software Co Ltd |
| US20090158030A1 | 0.445 | Doing business without SSN EIN and charge card numbers | APPLICATION | 2009-06-18 | 2007-12-14 | 40754838 | Good | ||
| US20020120581A1 | 0.445 | Reply based electronic mail transactions | APPLICATION | 2002-08-29 | 2001-02-26 | 25158457 | Good | ePrivacy Group Inc | ePrivacy Group Inc |
| US7801828B2 | 0.445 | Method and system for detecting identity theft in non-personal and personal transactions | GRANT | 2010-09-21 | 2001-07-06 | 34084379 | Good | FRAUD-CHECK Inc | FRAUD-CHECK Inc |
| US20020055906A1 | 0.444 | Methods and apparatus for intelligent selection of goods and services in telephonic and electronic commerce | APPLICATION | 2002-05-09 | 1998-03-11 | 25424542 | Good | West Direct Inc | EUBIQUITY Inc, West Corp, EUBIQUITY Inc |
| US20030061104A1 | 0.444 | Internet based warranty and repair service | APPLICATION | 2003-03-27 | 2000-03-16 | 24096991 | Good | CONXIA Inc | KENSINGTON INVESTMENTS Inc |
| US9025740B2 | 0.444 | Method and system for improved communication security | GRANT | 2015-05-05 | 2010-05-06 | 44118382 | Good | Bellmar Communications LLC | Bellmar Communications LLC |
| US20130067508A1 | 0.444 | CONTROLLING ACCESS OF A USER TO MEDIA CONTENT | APPLICATION | 2013-03-14 | 2010-05-25 | 44509918 | Good | Koninklijke Philips NV | TP Vision Holding BV |
| US20110082733A1 | 0.444 | METHOD AND SYSTEM OF OFFERING AN ENVIRONMENTALLY SENSITIVE BANK ACCOUNT | APPLICATION | 2011-04-07 | 2008-10-10 | 43823904 | Good | Citizens Financial Group Inc | RBS CITIZENS FINANCIAL GROUP Inc |
| US7581678B2 | 0.444 | Electronic transaction card | GRANT | 2009-09-01 | 2005-02-22 | 36911638 | Good | Tyfone Inc | Icashe Inc |
| US8275636B2 | 0.443 | Identity insurance transaction method | GRANT | 2012-09-25 | 2000-10-26 | 22919386 | Good | American International Group Inc | American International Group Inc |
| US6208998B1 | 0.443 | On-line directory service through the internet | GRANT | 2001-03-27 | 1998-12-08 | 22770354 | Good | InfoSpace Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US20040243839A1 | 0.443 | Method and apparatus to facilitate security-enabled content caching | APPLICATION | 2004-12-02 | 2003-05-29 | 33451709 | Good | Oracle International Corp | Oracle International Corp |
| US8219089B1 | 0.443 | Method and system for managing call authorizations for prepaid wireless service | GRANT | 2012-07-10 | 2006-08-17 | 43065910 | Good | Sprint Spectrum LP | Sprint Spectrum LP |
| US20050102180A1 | 0.443 | Passive mining of usage information in a location-based services system | APPLICATION | 2005-05-12 | 2001-04-27 | 46150115 | Good | Accenture LLP | Accenture Global Services Ltd |
| US20070078908A1 | 0.443 | METHOD AND SYSTEM FOR CHILD SAFETY | APPLICATION | 2007-04-05 | 2005-05-17 | 37432147 | Good | Ceelox Inc | Ceelox Inc |
| EP0809387A2 | 0.443 | System amd method for pricing telecommunication transactions | GRANT | 1997-11-26 | 1996-05-21 | 24611552 | Good | AT&T Corp | AT&T Corp |
| US7246740B2 | 0.443 | Suspicious persons database | GRANT | 2007-07-24 | 2003-04-03 | 33493176 | Good | First Data Corp | First Data Corp |
| US20080263638A1 | 0.442 | AUTHORIZATION FOR ACCESS TO WEB SERVICE RESOURCES | APPLICATION | 2008-10-23 | 2007-04-20 | 39873558 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8160961B1 | 0.442 | Charging for prepaid subscribers in a telecommunications system | GRANT | 2012-04-17 | 1999-09-02 | 8555239 | Good | Nokia Oyj | Nokia Technologies Oy |
| US8875139B2 | 0.442 | Method and process for tracking documents by monitoring each document's electronic processing status and physical location | GRANT | 2014-10-28 | 2010-07-30 | 45528026 | Good | MAVRO IMAGING LLC | MAVRO IMAGING LLC |
| US20030046222A1 | 0.442 | System and methods for providing starter credit card accounts | APPLICATION | 2003-03-06 | 2001-06-15 | 25377057 | Good | Capital One Financial Corp | Capital One Services LLC |
| US20020010635A1 | 0.442 | Method of electronic commerce and profile converter used for electronic commerce | APPLICATION | 2002-01-24 | 2000-07-19 | 18713606 | Good | Fujitsu Ltd | Fujitsu Ltd |
| US20080162338A1 | 0.442 | Method and system for mitigating risk of fraud in internet banking | APPLICATION | 2008-07-03 | 2006-12-30 | 39585330 | Good | Fundsxpress Financial Network Inc | Apiture LLC, Fundsxpress Financial Network Inc |
| US6254000B1 | 0.442 | System and method for providing a card transaction authorization fraud warning | GRANT | 2001-07-03 | 1998-11-13 | 22707617 | Good | First Data Corp | First Data Corp |
| US8374960B2 | 0.442 | Prepaid transaction tracking | GRANT | 2013-02-12 | 2002-10-29 | 32107310 | Good | Verizon Business Global LLC | Global Tel*Link Corp |
| US20110178899A1 | 0.442 | BORROWING AND LENDING PLATFORM AND METHOD | APPLICATION | 2011-07-21 | 2008-09-25 | 42060407 | Good | HARELAY LLC | HARELAY LLC, HARCLAY LLC |
| US6496690B1 | 0.442 | Prepaid subscriber service for packet-switched and circuit-switched radio telecommunications networks | GRANT | 2002-12-17 | 1999-05-07 | 23186492 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US9654495B2 | 0.442 | System and method of analyzing web addresses | GRANT | 2017-05-16 | 2006-12-01 | 39477060 | Good | Websense LLC | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US20090018986A1 | 0.442 | Systems and methods for integrating educational software systems | APPLICATION | 2009-01-15 | 2007-07-09 | 40228883 | Good | Blackboard Inc | Blackboard Inc |
| US5995947A | 0.441 | Interactive mortgage and loan information and real-time trading system | GRANT | 1999-11-30 | 1997-09-12 | 25456425 | Good | IMX Mortgage Exchange | IMX Inc |
| US7797644B1 | 0.441 | Method and system for inputting optional values into an input field | GRANT | 2010-09-14 | 2007-10-09 | 42711104 | Good | Intuit Inc | Intuit Inc |
| US7584127B2 | 0.441 | Methods and apparatus for updating credit bureau data | GRANT | 2009-09-01 | 2005-03-11 | 36972210 | Good | ||
| US7715832B2 | 0.441 | Mobile terminal and a method for implementing the guardianship function | GRANT | 2010-05-11 | 2004-09-28 | 36118586 | Good | Huawei Technologies Co Ltd | Huawei Technologies Co Ltd |
| US5220593A | 0.441 | Cellular radiotelephone credit card paystation method | GRANT | 1993-06-15 | 1990-10-24 | 27084220 | Good | GTE Mobile Communications Service Corp | GTE Wireless Inc |
| US5881131A | 0.441 | Analysis and validation system for provisioning network related facilities | GRANT | 1999-03-09 | 1993-11-16 | 46253520 | Good | Bell Atlantic Network Services Inc | Verizon Patent and Licensing Inc |
| US20040094624A1 | 0.441 | Adaptor for magnetic stripe card reader | APPLICATION | 2004-05-20 | 2001-12-26 | 46298904 | Good | Vivotech Inc | INTERNATIONAL TECHNOLOGIES & SYSTEMS Corp |
| US20020194117A1 | 0.441 | Methods and systems for customer relationship management | APPLICATION | 2002-12-19 | 2001-04-06 | 25251739 | Good | General Electric Capital Corp | General Electric Co |
| US8068011B1 | 0.441 | System and method for interactive user-directed interfacing between handheld devices and RFID media | GRANT | 2011-11-29 | 2010-08-27 | 44773125 | Good | Q Street LLC | Q Street LLC |
| US7228335B2 | 0.440 | Method of automatically populating contact information fields for a new contract added to an electronic contact database | GRANT | 2007-06-05 | 2002-02-19 | 27732502 | Good | GoodContacts Res Ltd | GoodContacts Res Ltd, MyLife com Inc |
| US20050256766A1 | 0.440 | Method and system for targeted internet search engine | APPLICATION | 2005-11-17 | 2002-05-31 | 29712076 | Good | InfoSpace Inc | CONTACTPAGECOM Inc, SWITCHBOARD LLC, InfoSpace Inc, CONTACTPAGECOM Inc |
| US20080083021A1 | 0.440 | SYSTEMS AND METHODS FOR DELEGATING INFORMATION TECHNOLOGY AUTHORIZATION TO AT LEAST ONE OTHER PERSON | APPLICATION | 2008-04-03 | 2006-10-02 | 39262533 | Good | PresenceID Inc | PresenceID Inc |
| US20010005832A1 | 0.440 | Transaction system and method | APPLICATION | 2001-06-28 | 1999-12-23 | 10867003 | Good | Nokia Mobile Phones Ltd | Nokia Mobile Phones Ltd |
| US20040083275A1 | 0.440 | Method business processes and apparatus for remote data image and video collection transmission and distribution using cellular electronic serial number enabled devices | APPLICATION | 2004-04-29 | 2002-10-11 | 32096233 | Good | ||
| US6705520B1 | 0.440 | Point of sale adapter for electronic transaction device | GRANT | 2004-03-16 | 1999-11-15 | 23749120 | Good | Mastercard Mobile Transaction Solutions Inc | Mastercard Mobile Transaction Solutions Inc |
| US6631849B2 | 0.439 | Selectable multi-purpose card | GRANT | 2003-10-14 | 2000-12-06 | 24935175 | Good | Bank One Delaware NA | JPMorgan Chase Bank NA |
| US20050154664A1 | 0.439 | Credit and financial information and management system | APPLICATION | 2005-07-14 | 2000-08-22 | 34738922 | Good | Transunion Interactive Inc | Transunion Interactive Inc |
| US8353027B2 | 0.439 | System and method for enhanced protection and control over the use of identity | GRANT | 2013-01-08 | 2005-04-27 | 37215195 | Good | ||
| US7386477B2 | 0.439 | Location-based filtering for a shopping agent in the physical world | GRANT | 2008-06-10 | 1999-02-26 | 22986918 | Good | Accenture LLP | Knapp Investment Co Ltd |
| US7793353B2 | 0.439 | Identification card manufacturing security | GRANT | 2010-09-07 | 2002-03-01 | 27791671 | Good | HID Global Corp | Assa Abloy AB |
| US6157707A | 0.439 | Automated and selective intervention in transaction-based networks | GRANT | 2000-12-05 | 1998-04-03 | 26762716 | Good | Nokia of America Corp | Nokia of America Corp |
| US8175965B2 | 0.439 | System and method for providing prepaid services via an internet protocol network system | GRANT | 2012-05-08 | 2000-06-01 | 22774947 | Good | Verizon Business Global LLC | Global Tel*Link Corp |
| US8978140B2 | 0.439 | System and method of analyzing web content | GRANT | 2015-03-10 | 2006-07-10 | 38740351 | Good | Websense LLC | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US20010044756A1 | 0.439 | Payroll deduction system and method including provision for financing and dispute resolution | APPLICATION | 2001-11-22 | 1999-10-29 | 25424076 | Good | E Duction Inc | E-DUCTION Inc, E Duction Inc |
| US7383225B2 | 0.438 | Module for the interconnectivity of independent software applications | GRANT | 2008-06-03 | 2000-04-04 | 22717359 | Good | Oracle International Corp | Oracle International Corp |
| US20080121696A1 | 0.438 | METHOD AND SYSTEM FOR WIRELESS AND CREDIT CARD TRANSACTIONS | APPLICATION | 2008-05-29 | 2006-11-28 | 39295863 | Good | Motorola Solutions Inc | Google Technology Holdings LLC |
| US20120110677A1 | 0.438 | SYSTEM FOR PROTECTING PERSONAL DATA | APPLICATION | 2012-05-03 | 2009-06-30 | 42651047 | Good | Nokia Solutions and Networks Oy | Nokia Solutions and Networks Oy |
| US20090127345A1 | 0.438 | SMART CARD TELEPHONE COMPRISING SUCH A CARD AND METHOD FOR EXECUTING A COMMAND IN SUCH A CARD | APPLICATION | 2009-05-21 | 2007-11-13 | 39494441 | Good | Oberthur Technologies SA | Idemia France SAS |
| US5813006A | 0.438 | On-line directory service with registration system | GRANT | 1998-09-22 | 1996-05-06 | 24582039 | Good | Banyan Systems Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US6278993B1 | 0.438 | Method and apparatus for extending an on-line internet search beyond pre-referenced sources and returning data over a data-packet-network (DPN) using private search engines as proxy-engines | GRANT | 2001-08-21 | 1998-12-08 | 46203798 | Good | Yodlee com Inc | Yodlee com Inc |
| US8627420B2 | 0.438 | Apparatus for associating a client device or service with a wireless network | GRANT | 2014-01-07 | 2010-04-22 | 44816711 | Good | Cisco Technology Inc | Cisco Technology Inc |
| US6842877B2 | 0.438 | Contextual responses based on automated learning techniques | GRANT | 2005-01-11 | 1998-12-18 | 35515186 | Good | Tangis Corp | Microsoft Technology Licensing LLC |
| US20070094080A1 | 0.438 | Smart shopping method and system | APPLICATION | 2007-04-26 | 2005-10-21 | 37986403 | Good | CoalitionWorks LLC | CoalitionWorks LLC |
| US20060229996A1 | 0.438 | Consumer processing system and method | APPLICATION | 2006-10-12 | 2005-04-11 | 37084242 | Good | I4 Licensing LLC | 14 LICENSING LLC, PayPal Inc |
| US7720750B2 | 0.438 | Systems and methods for providing consumers anonymous pre-approved offers from a consumer-selected group of merchants | GRANT | 2010-05-18 | 1999-12-15 | 22621986 | Good | Equifax Inc | Equifax Inc |
| US20110060673A1 | 0.437 | SYSTEM FOR TRANSFERING AN INBOUND COMMUNICATION TO ONE OF A PLURALITY OF CREDIT-COUNSELING AGENCIES | APPLICATION | 2011-03-10 | 2000-10-19 | 43648446 | Good | Peregrin Services Corp | Peregrin Licensing LLC |
| US20050125350A1 | 0.437 | Systems and methods for assessing the risk of financial transaction using geographic-related information | APPLICATION | 2005-06-09 | 2003-12-09 | 34634305 | Good | First Data Corp | First Data Corp |
| US8037506B2 | 0.437 | Movie studio-based network distribution system and method | GRANT | 2011-10-11 | 2006-03-03 | 38475667 | Good | Verimatrix Inc | Verimatrix Inc |
| US9143545B1 | 0.437 | Device classification for media delivery | GRANT | 2015-09-22 | 2001-04-26 | 54107197 | Good | Nokia Oyj | Nokia Technologies Oy |
| US6760418B1 | 0.437 | Method and apparatus for providing pre-pay and post-pay communication services using a switching system to monitor call duration | GRANT | 2004-07-06 | 2000-06-19 | 24389407 | Good | Sprint Communications Co LP | Sprint Communications Co LP |
| US20030163418A1 | 0.436 | Third party real-time multi-payment and remittance system | APPLICATION | 2003-08-28 | 2002-02-27 | 27742282 | Good | ||
| US20120015717A1 | 0.436 | ONLINE GAME REWARDS FOR ONLINE PURCHASES | APPLICATION | 2012-01-19 | 2010-06-16 | 45329149 | Good | Zynga Inc | Zynga Inc |
| US7593892B2 | 0.436 | Financial institution portal system and method | GRANT | 2009-09-22 | 2004-10-04 | 36148856 | Good | Standard Chartered PLC | Standard Chartered UK Holdings Ltd |
| US20060248048A1 | 0.436 | Household grouping based on public records | APPLICATION | 2006-11-02 | 2004-11-22 | 37235650 | Good | Intelius | Peopleconnect Inc, Silicon Valley Bank Inc |
| US6386444B1 | 0.435 | System and methods for card payment instrument with rebate applied to an insurance premium | GRANT | 2002-05-14 | 1999-07-30 | 23432758 | Good | First USA Bank NA | Chase Bank USA NA |
| US7356516B2 | 0.435 | Method and system for facilitating electronic dispute resolution | GRANT | 2008-04-08 | 2002-06-13 | 29733163 | Good | Visa USA Inc | Visa USA Inc |
| US8127986B1 | 0.435 | Card registry systems and methods | GRANT | 2012-03-06 | 2007-12-14 | 45757856 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20100145836A1 | 0.435 | SYSTEM AND METHOD OF DETECTING FRAUD | APPLICATION | 2010-06-10 | 2005-10-04 | 37684426 | Good | Basepoint Analytics LLC | CoreLogic Information Solutions Inc |
| US20080120155A1 | 0.435 | SYSTEMS AND METHODS FOR DISTRIBUTING TARGETED INCENTIVES TO FINANCIAL INSTITUTION CUSTOMERS | APPLICATION | 2008-05-22 | 1998-04-27 | 40973466 | Good | ||
| US20100215270A1 | 0.435 | System and Methods for Automatically Accessing a Web Site on Behalf of a Client | APPLICATION | 2010-08-26 | 2009-02-26 | 42631012 | Good | Yodlee com Inc | Yodlee com Inc |
| US8224723B2 | 0.435 | Account opening system method and computer program product | GRANT | 2012-07-17 | 2002-05-31 | 29583413 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA, Providian Financial Corp |
| US7409369B1 | 0.434 | Providing a customer one or more options for increasing a line of credit | GRANT | 2008-08-05 | 2002-09-05 | 39670850 | Good | Capital One Financial Corp | Capital One Services LLC |
| US20060136524A1 | 0.434 | Method and device for backing up cookies | APPLICATION | 2006-06-22 | 2004-12-20 | 36597453 | Good | Claria Corp | Gula Consulting LLC |
| US20110066495A1 | 0.434 | SYSTEM AND METHOD FOR CUSTOMIZING ADS IN WEB AND MOBILE APPLICATIONS | APPLICATION | 2011-03-17 | 2009-09-11 | 43731441 | Good | Yahoo Inc | Excalibur IP LLC, Altaba Inc |
| US20060184585A1 | 0.434 | Communication point delivery instructions | APPLICATION | 2006-08-17 | 2004-02-24 | 36724093 | Good | First Data Corp | First Data Corp |
| US6947989B2 | 0.434 | System and method for provisioning resources to users based on policies roles organizational information and attributes | GRANT | 2005-09-20 | 2001-01-29 | 25100732 | Good | International Business Machines Corp | International Business Machines Corp |
| US8271899B1 | 0.434 | Method and system for self-learning customized application launch based on historical usage | GRANT | 2012-09-18 | 2009-11-25 | 46800853 | Good | Intuit Inc | Intuit Inc |
| US7092905B2 | 0.434 | Systems and methods for the processing of financial transactions | GRANT | 2006-08-15 | 2000-11-21 | 26942156 | Good | Citibank NA | Citibank NA |
| US7937323B2 | 0.433 | Data source independent interface for an electronic bill presentment and payment system | GRANT | 2011-05-03 | 2002-05-22 | 29406463 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US20120084866A1 | 0.433 | METHODS SYSTEMS AND MEDIA FOR MEASURING COMPUTER SECURITY | APPLICATION | 2012-04-05 | 2007-06-12 | 45890982 | Good | Columbia University of New York | Columbia University of New York |
| US20040220964A1 | 0.433 | Method and apparatus for management of electronic receipts on portable devices | APPLICATION | 2004-11-04 | 2003-05-02 | 33313690 | Good | Visa USA Inc | Visa USA Inc |
| US7653592B1 | 0.433 | System and method for processing a loan | GRANT | 2010-01-26 | 2003-12-01 | 41559846 | Good | Fannie Mae Inc | Fannie Mae Inc |
| US20080065774A1 | 0.432 | Providing Location-Based Services in a Distributed Environment Without Direct Control Over the Point of Access | APPLICATION | 2008-03-13 | 2006-09-12 | 39171107 | Good | Wayport Inc | Wayport Inc |
| US20100188684A1 | 0.432 | METHOD AND SYSTEM FOR IDENTIFICATION OF SCANNING/TRANSFERRING OF CONFIDENTIAL DOCUMENT | APPLICATION | 2010-07-29 | 2009-01-23 | 42353948 | Good | Toshiba Corp, Toshiba TEC Corp | Toshiba Corp, Toshiba TEC Corp |
| US6405049B2 | 0.432 | Portable data terminal and cradle | GRANT | 2002-06-11 | 1997-08-05 | 25422870 | Good | Symbol Technologies LLC | Symbol Technologies LLC |
| US20110131123A1 | 0.432 | COMPREHENSIVE SUSPICIOUS ACTIVITY MONITORING AND ALERT SYSTEM | APPLICATION | 2011-06-02 | 2009-12-01 | 44069564 | Good | Bank of America Corp | Bank of America Corp |
| EP2088743A1 | 0.432 | Digital file locker | GRANT | 2009-08-12 | 2008-02-11 | 40070759 | Good | Accenture Global Services GmbH | Accenture Global Services Ltd |
| US20110004498A1 | 0.432 | Method and System for Identification By A Cardholder of Credit Card Fraud | APPLICATION | 2011-01-06 | 2009-07-01 | 43413139 | Good | International Business Machines Corp | International Business Machines Corp |
| US5440621A | 0.432 | Apparatus for prepayment of telecommunication connections in a telecommunication switching network without utilization of rate schedules and call cost computations | GRANT | 1995-08-08 | 1991-07-31 | 24968580 | Good | International Integrated Communications Ltd | International Integrated Communications Ltd |
| US8306255B1 | 0.432 | Snapshot-based screen scraping | GRANT | 2012-11-06 | 2008-08-28 | 47075499 | Good | Intuit Inc | Intuit Inc |
| US9990674B1 | 0.432 | Card registry systems and methods | GRANT | 2018-06-05 | 2007-12-14 | 62235147 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20060167985A1 | 0.432 | Network-distributed data routing | APPLICATION | 2006-07-27 | 2001-04-26 | 36462190 | Good | Avvenu Inc | Nokia Oyj |
| US20060173775A1 | 0.431 | Computer system and method for facilitating and managing the project bid and requisition process | APPLICATION | 2006-08-03 | 2002-04-10 | 29218568 | Good | Volt Information Sciences Inc | IQNavigator Inc |
| US20040015714A1 | 0.431 | Systems and methods for user identification user demographic reporting and collecting usage data using biometrics | APPLICATION | 2004-01-22 | 2000-03-22 | 38750802 | Good | comScore Networks Inc | comScore Inc |
| US20100250509A1 | 0.431 | FILE SCANNING TOOL | APPLICATION | 2010-09-30 | 2009-03-27 | 42635193 | Good | Bank of America Corp | Bank of America Corp |
| US6408282B1 | 0.431 | System and method for conducting securities transactions over a computer network | GRANT | 2002-06-18 | 1999-03-01 | 26820289 | Good | Wit Capital Corp | UBS Business Solutions AG |
| US8396743B2 | 0.431 | Sending targeted product offerings based on personal information | GRANT | 2013-03-12 | 1998-10-19 | 37423319 | Good | DIVAN INDUSTRIES LLC | CONSOLIDATED TRANSACTION PROCESSING, LLC |
| US20080307223A1 | 0.431 | APPARATUS AND METHOD FOR ISSUER BASED REVOCATION OF DIRECT PROOF AND DIRECT ANONYMOUS ATTESTATION | APPLICATION | 2008-12-11 | 2007-06-08 | 40096964 | Good | Intel Corp | Intel Corp |
| US10056392B2 | 0.430 | Performing horological functions in commercial transactions using time cells | GRANT | 2018-08-21 | 2000-10-31 | 24825009 | Good | International Business Machines Corp | International Business Machines Corp |
| US20060044599A1 | 0.430 | System for stock images peer-to-peer services over the world wide web | APPLICATION | 2006-03-02 | 2002-11-15 | 35942614 | Good | Kodak IL Ltd | Kodak IL Ltd |
| US20090164421A1 | 0.430 | PERSONAL INVENTORY MANAGER | APPLICATION | 2009-06-25 | 2007-12-20 | 40789804 | Good | Verizon Business Network Services Inc | Verizon Patent and Licensing Inc |
| US9015693B2 | 0.430 | System and method for modifying and updating a speech recognition program | GRANT | 2015-04-21 | 2007-01-10 | 39595024 | Good | Google LLC | Google LLC |
| US6526273B1 | 0.429 | System and method for automated pre-paid wireless replenishment with notification | GRANT | 2003-02-25 | 1999-12-22 | 23861635 | Good | BellSouth Intellectual Property Corp | AT&T Delaware Intellectual Property Inc |
| US20090150170A1 | 0.429 | Method and apparatus for fraud reduction and product recovery | APPLICATION | 2009-06-11 | 2007-12-11 | 40722547 | Good | Nintendo of America Inc | E2interactive Inc |
| US7792903B2 | 0.429 | Identity management for open overlay for social networks and online services | GRANT | 2010-09-07 | 2006-05-31 | 38791685 | Good | Red Hat Inc | Red Hat Inc |
| US4736294A | 0.429 | Data processing methods and apparatus for managing vehicle financing | GRANT | 1988-04-05 | 1985-01-11 | 26745311 | Good | Royal Bank of Canada | Royal Bank of Canada |
| US8359278B2 | 0.429 | Identity protection | GRANT | 2013-01-22 | 2006-10-25 | 39331402 | Good | IndentityTruth Inc | IndentityTruth Inc, Csidentity Corp |
| US7844520B1 | 0.429 | Method and apparatus for monitoring credit reports using a computing system implemented financial management system | GRANT | 2010-11-30 | 2006-05-31 | 43215700 | Good | Intuit Inc | Intuit Inc |
| US5768384A | 0.428 | System for identifying authenticating and tracking manufactured articles | GRANT | 1998-06-16 | 1996-03-28 | 24496687 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US6421453B1 | 0.428 | Apparatus and methods for user recognition employing behavioral passwords | GRANT | 2002-07-16 | 1998-05-15 | 22152594 | Good | International Business Machines Corp | International Business Machines Corp |
| US20090094675A1 | 0.428 | SYSTEM AND PROGRAM PRODUCT FOR AUTOMATICALLY MANAGING INFORMATION PRIVACY | APPLICATION | 2009-04-09 | 2002-11-05 | 32175828 | Good | Daedalus Blue LLC | Daedalus Blue LLC |
| US20100214090A1 | 0.427 | SYSTEM AND METHOD FOR PROVIDING MANAGED REMOTE MONITORING SERVICES | APPLICATION | 2010-08-26 | 2009-02-20 | 42630468 | Good | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US7552089B2 | 0.427 | Method and apparatus for automatically applying/linking transactions in a financial management system | GRANT | 2009-06-23 | 2005-03-23 | 37036369 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6384844B1 | 0.427 | Method and apparatus for use in entering financial data into an electronic device | GRANT | 2002-05-07 | 1999-12-01 | 27496779 | Good | Efunds Corp | Certegy Payment Solutions LLC |
| US20080162383A1 | 0.427 | METHODS SYSTEMS AND APPARATUS FOR LOWERING THE INCIDENCE OF IDENTITY THEFT IN CONSUMER CREDIT TRANSACTIONS | APPLICATION | 2008-07-03 | 2007-01-02 | 39585361 | Good | MYPUBLICINFO Inc | MYPUBLICINFO Inc |
| WO2004114160A2 | 0.427 | SYSTEMS AND PROCESSES FOR AUTOMATED CRITERIA AND ATTRIBUTE GENERATION SEARCHING AUDITING AND REPORTING OF DATA | APPLICATION | 2004-12-29 | 2003-06-13 | 33539090 | Good | ||
| US7490356B2 | 0.427 | End user risk management | GRANT | 2009-02-10 | 2004-07-20 | 35414786 | Good | Reflectent Software Inc | Citrix Systems Inc |
| US9036792B2 | 0.427 | Method for confirming end point location of 911 calls | GRANT | 2015-05-19 | 2003-04-18 | 33300094 | Good | AT&T Intellectual Property II LP | AT&T Corp, AT&T Intellectual Property II LP |
| US6724748B1 | 0.427 | Intelligent network and packet data network interoperability | GRANT | 2004-04-20 | 1998-05-21 | 26774568 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US20020198830A1 | 0.427 | Method and system for handling disputes in an electronic invoice management system | APPLICATION | 2002-12-26 | 2001-05-01 | 25299322 | Good | Canadian National Railway Co | Canadian National Railway Co |
| US9331850B2 | 0.426 | System and method for secure communication of components inside self-service automats | GRANT | 2016-05-03 | 2008-12-09 | 41559923 | Good | Wincor Nixdorf International GmbH | Wincor Nixdorf International GmbH |
| US20070240206A1 | 0.426 | INTERSYSTEM SINGLE SIGN-ON | APPLICATION | 2007-10-11 | 2006-03-22 | 37003055 | Good | Alibaba com Ltd | Advanced New Technologies Co Ltd |
| US20030138135A1 | 0.426 | Generation and verification of a digitized signature | APPLICATION | 2003-07-24 | 2002-01-23 | 27537790 | Good | Amerasia International Technology Inc | Avante International Technology Inc |
| US8150161B2 | 0.426 | Technique for correcting character-recognition errors | GRANT | 2012-04-03 | 2008-09-22 | 41277892 | Good | Intuit Inc | Intuit Inc |
| US8290856B1 | 0.426 | Method for determining insurance benefits and premiums from credit information | GRANT | 2012-10-16 | 2002-11-27 | 46981826 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20040015715A1 | 0.426 | Systems for and methods of placing user indentification in the header of data packets usable in user demographic reporting and collecting usage data | APPLICATION | 2004-01-22 | 2000-03-22 | 46298970 | Good | comScore Networks Inc | comScore Inc |
| US10937090B1 | 0.426 | Report existence monitoring | GRANT | 2021-03-02 | 2009-01-06 | 42312313 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US6385594B1 | 0.426 | Method and computer network for co-ordinating a loan over the internet | GRANT | 2002-05-07 | 1998-05-08 | 22123797 | Good | LendingTree LLC | LendingTree LLC |
| US20050192008A1 | 0.426 | System and method for selective information exchange | APPLICATION | 2005-09-01 | 1999-03-31 | 34891040 | Good | ||
| US8271393B2 | 0.425 | System and method for facilitating transactions between two or more parties | GRANT | 2012-09-18 | 2002-04-02 | 30003973 | Good | Collaborative Agreements LLC | Collaborative Agreements LLC |
| US20140342709A1 | 0.425 | CONSUMER ELECTRONIC REGISTRATION CONTROL AND SUPPORT CONCIERGE DEVICE AND METHOD | APPLICATION | 2014-11-20 | 2005-08-19 | 63581873 | Good | Nexstep Inc | Nexstep Inc |
| US8358826B1 | 0.425 | Systems and methods for receiving and orienting an image of one or more checks | GRANT | 2013-01-22 | 2007-10-23 | 47521761 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20070022141A1 | 0.425 | System and method for acquiring and assembling real property data | APPLICATION | 2007-01-25 | 2005-07-19 | 37669410 | Good | First American Real Estate Solutions LP | First American CoreLogic Inc |
| US7865412B1 | 0.424 | Method and system for account tracking | GRANT | 2011-01-04 | 2007-05-31 | 43385054 | Good | Intuit Inc | Intuit Inc |
| US7315837B2 | 0.424 | Communication interface for a financial modeling and counseling system | GRANT | 2008-01-01 | 1999-11-01 | 25458368 | Good | Accenture LLP | Accenture Global Services Ltd |
| US20080120716A1 | 0.424 | System and method for enhancing security of an electronic device | APPLICATION | 2008-05-22 | 2006-11-21 | 39418428 | Good | Toshiba Corp, Toshiba America Information Systems Inc | Toshiba Corp |
| US7374100B2 | 0.424 | Mobile terminal having smart card coupled with RFID tag and method for performing RFID function in such mobile terminal | GRANT | 2008-05-20 | 2003-11-27 | 34464765 | Good | Samsung Electronics Co Ltd | Samsung Electronics Co Ltd |
| US20110161155A1 | 0.424 | SYSTEM AND METHOD FOR FACILITATING DEBT REDUCTION | APPLICATION | 2011-06-30 | 2009-12-30 | 44188618 | Good | GLOBAL PAYMENTS EXPERTS LLC | GLOBAL PAYMENTS EXPERTS LLC |
| US20060178983A1 | 0.424 | Mortgage broker system allowing broker to match mortgagor with multiple lenders and method therefor | APPLICATION | 2006-08-10 | 2005-02-07 | 36781055 | Good | BROKERBUDDY LLC | BROKERBUDDY LLC |
| US20070073617A1 | 0.424 | SYSTEM AND METHOD FOR EVALUATION OF MONEY TRANSFER PATTERNS | APPLICATION | 2007-03-29 | 2002-03-04 | 27804085 | Good | First Data Corp | First Data Corp, Western Union Co |
| US7076462B1 | 0.424 | System and method for electronic loan application and for correcting credit report errors | GRANT | 2006-07-11 | 2000-03-02 | 36644207 | Good | ONLINE DATA EXCHANGE LLC | ONLINE DATA EXCHANGE LLC |
| US20040167791A1 | 0.423 | Processing transactions | APPLICATION | 2004-08-26 | 2001-03-30 | 9911935 | Good | Nokia Oyj | Nokia Oyj |
| US20100063993A1 | 0.423 | SYSTEM AND METHOD FOR SOCIALLY AWARE IDENTITY MANAGER | APPLICATION | 2010-03-11 | 2008-09-08 | 41800102 | Good | Yahoo Inc | Excalibur IP LLC, Altaba Inc |
| US6904408B1 | 0.423 | Bionet method system and personalized web content manager responsive to browser viewers' psychological preferences behavioral responses and physiological stress indicators | GRANT | 2005-06-07 | 2000-10-19 | 34619771 | Good | ||
| US20130305291A1 | 0.423 | METHOD AND SYSTEM TO SHARE MEDIA CONTENT BETWEEN DEVICES VIA NEAR FIELD COMMMUNICATION (NFC) AND WIRELESS COMMUNICATION | APPLICATION | 2013-11-14 | 2006-01-27 | 38323681 | Good | Syndefense Corp | Syndefense Corp |
| US20110302122A1 | 0.423 | METHOD AND SYSTEM FOR CONFIGURING RULES FOR EXECUTION | APPLICATION | 2011-12-08 | 2010-06-08 | 45065263 | Good | Amdocs Software Systems Ltd | Amdocs Development Ltd, Amdocs Software Systems Ltd |
| US6839690B1 | 0.422 | System for conducting business over the internet | GRANT | 2005-01-04 | 2000-04-11 | 24184106 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US8615800B2 | 0.422 | System and method for analyzing web content | GRANT | 2013-12-24 | 2006-07-10 | 38767400 | Good | Websense LLC | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US6311169B2 | 0.422 | On-line consumer credit data reporting system | GRANT | 2001-10-30 | 1998-06-11 | 22253553 | Good | Consumer Credit Assoc Inc | Consumer Credit Assoc Inc |
| US20010029470A1 | 0.422 | Electronic transaction receipt system and method | APPLICATION | 2001-10-11 | 2000-02-03 | 27391221 | Good | Afterbot Inc | Afterbot Inc |
| US20080133657A1 | 0.422 | KARMA SYSTEM | APPLICATION | 2008-06-05 | 2006-11-30 | 39531308 | Good | Red Hat Inc | Red Hat Inc |
| US20060080235A1 | 0.422 | On-line registration method for registration of employees by representative of employing organization | APPLICATION | 2006-04-13 | 2000-10-27 | 18809604 | Good | ||
| US20080172304A1 | 0.422 | SYSTEM AND METHOD FOR ENABLING CASH GIFTS IN AN ONLINE GIFT REGISTRY | APPLICATION | 2008-07-17 | 2007-01-12 | 39618491 | Good | MY LIFE REGISTRY LLC | MY LIFE REGISTRY LLC |
| US5918227A | 0.421 | On-line directory service with a plurality of databases and processors | GRANT | 1999-06-29 | 1996-05-06 | 24585669 | Good | Switchboard Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US7689563B1 | 0.421 | Electronic record management system | GRANT | 2010-03-30 | 1998-10-20 | 22640830 | Good | Yaszistra Fund III LLC | Hanger Solutions LLC, MARCARTAN LLC, VIRTUAL WORKSPACE Inc |
| US5239462A | 0.421 | METHOD AND APPARATUS FOR AUTOMATICALLY DETERMINING THE APPROVAL STATUS OF A POTENTIAL BORROWER | GRANT | 1993-08-24 | 1992-02-25 | 25284773 | Good | Creative Solutions Groups Inc | NANJI ANVAR, Creative Solutions Groups Inc |
| US20040190694A1 | 0.420 | Power and telecommunications access vending machine | APPLICATION | 2004-09-30 | 1997-02-06 | 26853232 | Good | PowerOasis Inc | PowerOasis Inc |
| US8204774B2 | 0.420 | Estimating the spend capacity of consumer households | GRANT | 2012-06-19 | 2004-10-29 | 39536621 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US9378282B2 | 0.420 | System and method for dynamic and real-time categorization of webpages | GRANT | 2016-06-28 | 2008-06-30 | 41068099 | Good | Raytheon Co | Raytheon Co, Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US20020104027A1 | 0.420 | N-dimensional biometric security system | APPLICATION | 2002-08-01 | 2001-01-31 | 26742703 | Good | IBIOMETRICS Inc | IBIOMETRICS Inc |
| US5317636A | 0.420 | Method and apparatus for securing credit card transactions | GRANT | 1994-05-31 | 1992-12-09 | 25534094 | Good | Arris Group Inc | Arris Enterprises LLC |
| US20090222527A1 | 0.420 | USEFUL DATA AND CONTENT FEEDS IN THE ENTERPRISE | APPLICATION | 2009-09-03 | 2008-03-03 | 41014012 | Good | Oracle International Corp | Oracle International Corp |
| US6993661B1 | 0.420 | System and method that provides for the efficient and effective sanitizing of disk storage units and the like | GRANT | 2006-01-31 | 2001-08-09 | 35695008 | Good | Massachusetts Institute of Technology | Massachusetts Institute of Technology |
| US8099298B2 | 0.420 | Genetic data analysis and database tools | GRANT | 2012-01-17 | 2007-02-14 | 40524043 | Good | Genelex Corp | Invitae Corp |
| US5930764A | 0.420 | Sales and marketing support system using a customer information database | GRANT | 1999-07-27 | 1995-10-17 | 24170756 | Good | Citibank NA | Citibank NA |
| US5180902A | 0.419 | Self verifying transaction card with disabling capability | GRANT | 1993-01-19 | 1988-04-21 | 26879957 | Good | ||
| US7797252B2 | 0.419 | Service plan product and associated system | GRANT | 2010-09-14 | 2006-10-20 | 39317995 | Good | Target Brands Inc | Target Brands Inc |
| US6393269B1 | 0.419 | Signaling system and method for network-based pre-paid wireless telephone service | GRANT | 2002-05-21 | 1998-10-14 | 22629819 | Good | Openwave Systems Inc | IMPERIAL BANK, Unwired Planet LLC, Unwired Planet IP Manager LLC |
| US20090048935A1 | 0.419 | Application program interface to manage gift cards and check authorizations | APPLICATION | 2009-02-19 | 2007-08-16 | 40363714 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7479949B2 | 0.419 | Touch screen device method and graphical user interface for determining commands by applying heuristics | GRANT | 2009-01-20 | 2006-09-06 | 39092692 | Good | Apple Inc | Apple Inc |
| US20040104268A1 | 0.419 | Plug in credit card reader module for wireless cellular phone verifications | APPLICATION | 2004-06-03 | 2002-07-30 | 32392300 | Good | ||
| US20090312011A1 | 0.419 | COMMUNICATIONS DEVICES COMPRISING NEAR FIELD RF COMMUNICATORS | APPLICATION | 2009-12-17 | 2006-12-15 | 39345268 | Good | Broadcom Innovision Ltd | Avago Technologies General IP Singapore Pte Ltd |
| US5950172A | 0.419 | Secured electronic rating system | GRANT | 1999-09-07 | 1996-06-07 | 24746829 | Good | ||
| WO2004031986A1 | 0.419 | METHOD AND APPARATUS FOR USING BUSINESS RULES OR USER ROLES FOR SELECTING PORTLETS IN A WEB PORTAL | APPLICATION | 2004-04-15 | 2002-10-04 | 32046579 | Good | ||
| US20030097342A1 | 0.418 | Method for verifying employment data | APPLICATION | 2003-05-22 | 2000-01-24 | 23948941 | Good | TALX Corp | TALX Corp |
| US9014348B2 | 0.418 | Automatic message management utilizing speech analytics | GRANT | 2015-04-21 | 2007-07-31 | 40338131 | Good | AT&T Intellectual Property I LP | AT&T Delaware Intellectual Property Inc, Nuance Communications Inc |
| US20110035264A1 | 0.418 | SYSTEM FOR COLLECTABLE MEDIUM | APPLICATION | 2011-02-10 | 2009-08-04 | 43535525 | Good | ||
| US7877402B1 | 0.418 | Method and system for providing network search results based in part on a user's financial data | GRANT | 2011-01-25 | 2008-01-15 | 43479852 | Good | Intuit Inc | Intuit Inc |
| US8458062B2 | 0.418 | Real-time product matching | GRANT | 2013-06-04 | 2006-08-11 | 39170968 | Good | Capital One Financial Corp | Capital One Services LLC |
| US6006264A | 0.418 | Method and system for directing a flow between a client and a server | GRANT | 1999-12-21 | 1997-08-01 | 26728367 | Good | Arrowpoint Communications Inc | Cisco Technology Inc |
| US8370229B2 | 0.418 | Evergreen contract billing and in life contract management system and method | GRANT | 2013-02-05 | 2007-05-02 | 39940272 | Good | Genpact Ltd | Genpact Luxembourg SA RL Ii A Luxembourg Private A Responsabilite LLC Ltee Ste |
| US7181418B1 | 0.418 | Internet customer service method and system | GRANT | 2007-02-20 | 1999-11-30 | 37745100 | Good | Ford Motor Co | Ford Motor Co |
| WO2010001406A1 | 0.418 | METHODS AND SYSTEMS FOR BRANDS SOCIAL NETWORKS (BSN) PLATFORM | APPLICATION | 2010-01-07 | 2008-07-04 | 40756210 | Good | ||
| US20070005508A1 | 0.418 | System and method for verifying personal identity on internet | APPLICATION | 2007-01-04 | 2005-06-21 | 37590890 | Good | Ite2 Tech Inc | Ite2 Tech Inc |
| US5793972A | 0.418 | System and method providing an interactive response to direct mail by creating personalized web page based on URL provided on mail piece | GRANT | 1998-08-11 | 1996-05-03 | 24576097 | Good | Westminster International Computers Inc | Callahan Cellular LLC |
| US20090171723A1 | 0.418 | SYSTEMS AND METHODS FOR ELECTRONIC ACCOUNT CERTIFICATION AND ENHANCED CREDIT REPORTING | APPLICATION | 2009-07-02 | 2007-12-26 | 40799596 | Good | Formfree Holdings Corp | Formfree Holdings Corp |
| US8751514B2 | 0.417 | System and method for adapting an internet filter | GRANT | 2014-06-10 | 2001-12-07 | 21784328 | Good | Websense LLC | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US20120191693A1 | 0.417 | SYSTEMS AND METHODS OF IDENTIFYING AND HANDLING ABUSIVE REQUESTERS | APPLICATION | 2012-07-26 | 2009-08-25 | 46544950 | Good | Vizibility Inc | Vizibility Inc |
| US20120054088A1 | 0.417 | APPARATUS AND METHOD FOR SHORT TERM LOANS | APPLICATION | 2012-03-01 | 2010-08-25 | 45698454 | Good | SYMBIUS FINANCIAL Inc | SYMBIUS FINANCIAL Inc |
| US7480631B1 | 0.417 | System and method for detecting and processing fraud and credit abuse | GRANT | 2009-01-20 | 2004-12-15 | 40254716 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA, Chase Bank USA NA |
| US20090248573A1 | 0.417 | CONSUMER BEHAVIORS AT LENDER LEVEL | APPLICATION | 2009-10-01 | 2008-03-28 | 41118588 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US9020114B2 | 0.416 | Systems and methods for detecting a call anomaly using biometric identification | GRANT | 2015-04-28 | 2002-04-29 | 39416946 | Good | Securus Technologies LLC | Securus Technologies LLC |
| US7222369B2 | 0.416 | Role-based portal to a workplace system | GRANT | 2007-05-22 | 2001-12-20 | 30772648 | Good | SAP SE | SAP SE |
| US8850556B2 | 0.416 | Interactive video captcha | GRANT | 2014-09-30 | 2009-07-21 | 43498429 | Good | International Business Machines Corp | International Business Machines Corp |
| US7917754B1 | 0.415 | Method and apparatus for linking businesses to potential customers through a trusted source network | GRANT | 2011-03-29 | 2006-11-03 | 43770495 | Good | Intuit Inc | Intuit Inc |
| US20050010474A1 | 0.415 | Methods systems and computer program products for paperless third-party billing of business directory advertisements | APPLICATION | 2005-01-13 | 2003-07-11 | 33565043 | Good | BellSouth Intellectual Property Corp | AT&T Delaware Intellectual Property Inc |
| US6715679B1 | 0.415 | Universal magnetic stripe card | GRANT | 2004-04-06 | 1999-09-08 | 23548156 | Good | AT&T Corp | AT&T Intellectual Property II LP |
| US7559217B2 | 0.415 | Method and system for offering debt recovery products to a customer | GRANT | 2009-07-14 | 2001-03-21 | 25210746 | Good | Capital One Financial Corp | Capital One Services LLC |
| US20060233332A1 | 0.415 | Credit worthiness rating method | APPLICATION | 2006-10-19 | 2005-03-24 | 37023307 | Good | Cerebrus Solutions Ltd | Cerebrus Solutions Ltd |
| US20130262112A1 | 0.415 | METHOD AND SYSTEM FOR USING CONVERSATIONAL BIOMETRICS AND SPEAKER IDENTIFICATION/VERIFICATION TO FILTER VOICE STREAMS | APPLICATION | 2013-10-03 | 2008-10-06 | 42075820 | Good | International Business Machines Corp | International Business Machines Corp |
| US20080014869A1 | 0.414 | Data security device | APPLICATION | 2008-01-17 | 2001-07-18 | 38955178 | Good | Data Transfer and Communications Ltd | Data Transfer and Communications Ltd |
| WO2001039090A1 | 0.413 | INSURANCE MARKETING METHODS | APPLICATION | 2001-05-31 | 1999-11-26 | 27538763 | Good | ||
| US20080052224A1 | 0.413 | METHOD FOR GUARANTEEING A PEER-TO-PEER LOAN | APPLICATION | 2008-02-28 | 2006-08-24 | 39197857 | Good | PeerFunds Inc | PeerFunds Inc |
| US20080183504A1 | 0.413 | POINT-OF-CARE INFORMATION ENTRY | APPLICATION | 2008-07-31 | 2006-09-14 | 39184415 | Good | CHI-SQUARE TECHNOLOGIES LLC | CHI-SQUARE TECHNOLOGIES LLC |
| US8191782B2 | 0.413 | Swipe card and a method and system of monitoring usage of a swipe card | GRANT | 2012-06-05 | 2007-12-11 | 40720583 | Good | Mastercard International Inc | Mastercard International Inc |
| US20090234814A1 | 0.413 | Configuring a search engine results page with environment-specific information | APPLICATION | 2009-09-17 | 2006-12-12 | 41064119 | Good | Yahoo Inc | Oath Inc |
| US8156175B2 | 0.412 | System and method for searching for specific types of people or information on a peer-to-peer network | GRANT | 2012-04-10 | 2004-01-23 | 37087672 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US7546271B1 | 0.412 | Mortgage fraud detection systems and methods | GRANT | 2009-06-09 | 2007-12-20 | 40688786 | Good | ChoicePoint Asset Co LLC | LexisNexis Risk Solutions Inc, ChoicePoint Asset Co LLC |
| US6493758B1 | 0.412 | Offline viewing of internet content with a mobile device | GRANT | 2002-12-10 | 1998-09-08 | 22531416 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8060424B2 | 0.412 | On-line method and system for monitoring and reporting unused available credit | GRANT | 2011-11-15 | 2008-11-05 | 42132630 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US6098052A | 0.412 | Credit card collection strategy model | GRANT | 2000-08-01 | 1998-02-10 | 21804993 | Good | First USA Bank NA | JPMorgan Chase Bank NA |
| US8286004B2 | 0.412 | Saving encryption keys in one-time programmable memory | GRANT | 2012-10-09 | 2009-10-09 | 43855769 | Good | LSI Corp | Broadcom International Pte Ltd |
| US5218632A | 0.412 | FLEXIBLE CALL DETAIL RECORDING SYSTEM | GRANT | 1993-06-08 | 1991-10-16 | 25113206 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US7205882B2 | 0.412 | Actuating a security system using a wireless device | GRANT | 2007-04-17 | 2004-11-10 | 36315759 | Good | CoreStreet Ltd | Assa Abloy AB |
| US5742769A | 0.412 | Directory with options for access to and display of email addresses | GRANT | 1998-04-21 | 1996-05-06 | 24582035 | Good | Banyan Systems Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US9846871B2 | 0.412 | Systems and/or methods for determining item serial number structure and intelligence | GRANT | 2017-12-19 | 2010-04-12 | 44761602 | Good | E2interactive Inc | E2interactive Inc |
| US20040243508A1 | 0.412 | Systems and methods for automating credit counseling and debt management programs | APPLICATION | 2004-12-02 | 2003-05-30 | 33451820 | Good | SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT Inc | SPRINGBOARD NON-PROFIT CONSUMER CREDIT MANAGEMENT Inc |
| US20150109100A1 | 0.412 | LIFESTYLE MULTIMEDIA SECURITY SYSTEM | APPLICATION | 2015-04-23 | 2002-02-01 | 29547813 | Good | Comcast Cable Communications LLC | Comcast Cable Communications LLC |
| US20120208495A1 | 0.411 | SYSTEM AND METHOD FOR MONITORING ACCOUNT USAGE ON A PLATFORM | APPLICATION | 2012-08-16 | 2010-06-23 | 46637266 | Good | Twilio Inc | Twilio Inc |
| US20130054393A1 | 0.411 | POINT OF SALE TAX REPORTING AND AUTOMATIC COLLECTION SYSTEM WITH TAX REGISTER | APPLICATION | 2013-02-28 | 1995-05-10 | 22720072 | Good | Taxvantage LLC, Taxnet Systems LLC | Taxnet Systems LLC |
| US8606694B2 | 0.411 | Online registration system for CROA-compliant credit advice services | GRANT | 2013-12-10 | 2010-07-02 | 45934943 | Good | Experian Credit Advisors Inc | Experian Credit Advisors Inc |
| US20110161218A1 | 0.411 | CREDIT REPORTING INTERFACE | APPLICATION | 2011-06-30 | 2009-09-22 | 44188645 | Good | Cortera Inc | Cortera Inc |
| US20100332399A1 | 0.411 | SYSTEM AND METHOD FOR PARTNER KEY MANAGEMENT | APPLICATION | 2010-12-30 | 2009-06-29 | 43381799 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US7571143B2 | 0.410 | Software pay-per-use pricing | GRANT | 2009-08-04 | 2002-01-15 | 21936248 | Good | Hewlett Packard Development Co LP | Hewlett Packard Enterprise Development LP |
| US6480591B1 | 0.410 | Real-time call rating and debiting system and method for multiple calls | GRANT | 2002-11-12 | 1998-02-19 | 24055024 | Good | Priority Call Management Inc | Ericsson Telekommunikation GmbH |
| US20090222375A1 | 0.410 | TOTAL STRUCTURAL RISK MODEL | APPLICATION | 2009-09-03 | 2008-02-29 | 41013905 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20110321137A1 | 0.410 | ACCESS CONTROL DEVICE ACCESS CONTROL METHOD PROGRAM STORAGE MEDIUM AND INTEGRATED CIRCUIT | APPLICATION | 2011-12-29 | 2009-07-16 | 43449164 | Good | Panasonic Corp | Sovereign Peak Ventures LLC |
| US7383215B1 | 0.410 | Data center for account management | GRANT | 2008-06-03 | 2000-10-26 | 39466593 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US5274547A | 0.409 | System for generating and transmitting credit reports | GRANT | 1993-12-28 | 1991-01-03 | 24554423 | Good | Credco of Washington Inc | First Advantage Corp |
| US7896232B1 | 0.409 | Systems methods and apparatus for receiving images of one or more checks | GRANT | 2011-03-01 | 2007-11-06 | 43617203 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US7801896B2 | 0.409 | Database access system | GRANT | 2010-09-21 | 1999-07-21 | 38225832 | Good | Alberti Anemometer LLC | Relativity Display LLC |
| US20060253358A1 | 0.409 | System and method for identifying and managing customers in a financial institution | APPLICATION | 2006-11-09 | 2005-04-08 | 36649148 | Good | US BIOMETRICS Corp | US BIOMETRICS Corp |
| US6701348B2 | 0.409 | Method and system for automatically updating contact information within a contact database | GRANT | 2004-03-02 | 2000-12-22 | 24982378 | Good | GoodContacts com | MyLife com Inc |
| US7961101B2 | 0.409 | Small RFID card with integrated inductive element | GRANT | 2011-06-14 | 2008-08-08 | 41652379 | Good | Tyfone Inc | Icashe Inc |
| US6227447B1 | 0.409 | Cardless payment system | GRANT | 2001-05-08 | 1999-05-10 | 23190416 | Good | First USA Bank NA | JPMorgan Chase Bank NA |
| US7953213B2 | 0.408 | Systems and methods for providing prepaid collect telecommunications service | GRANT | 2011-05-31 | 2005-12-06 | 38173484 | Good | Aurora Financial Systems Inc | AURORA FINANCIAL SYSTEMS HOLDINGS Inc, RBA International Inc |
| US20040083230A1 | 0.408 | Method and system for automatically managing an address database | APPLICATION | 2004-04-29 | 2002-10-24 | 32106612 | Good | GOODCONTACTS RESEARCH Ltd | GOODCONTACTS RESEARCH Ltd |
| US20060259364A1 | 0.407 | System and method for granting promotional rewards to credit account holders | APPLICATION | 2006-11-16 | 2002-10-11 | 32599954 | Good | Bank One Delaware NA | JPMorgan Chase Bank NA |
| US20050102226A1 | 0.407 | System and method of accounting for mortgage related transactions | APPLICATION | 2005-05-12 | 2002-12-30 | 34557270 | Good | ||
| US20070005984A1 | 0.407 | Attack resistant phishing detection | APPLICATION | 2007-01-04 | 2005-06-30 | 37591236 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20100083371A1 | 0.407 | User Access Control System And Method | APPLICATION | 2010-04-01 | 2008-10-01 | 42059174 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US20090222379A1 | 0.407 | TOTAL STRUCTURAL RISK MODEL | APPLICATION | 2009-09-03 | 2008-02-29 | 41013909 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US7630932B2 | 0.406 | Loan rate and lending information analysis system | GRANT | 2009-12-08 | 2002-01-31 | 33568663 | Good | Transunion Interactive Inc | Transunion Interactive Inc |
| US7366759B2 | 0.406 | Method and system for characterizing relationships in social networks | GRANT | 2008-04-29 | 2001-02-22 | 26764074 | Good | Parity Communications Inc | Parity Communications Inc |
| US7337133B1 | 0.406 | Internet-based customer referral system | GRANT | 2008-02-26 | 1997-06-27 | 25383309 | Good | Amazon com Inc | Amazon Technologies Inc |
| US6424840B1 | 0.406 | Method and system for dynamic location-based zone assignment for a wireless communication network | GRANT | 2002-07-23 | 1999-11-05 | 23728266 | Good | SignalSoft Corp | Unwired Planet LLC, Unwired Planet IP Manager LLC |
| US20040002907A1 | 0.406 | Template for inputting customized processing features in an electronic bill presentment and payment system | APPLICATION | 2004-01-01 | 2002-06-28 | 29779766 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US8275683B2 | 0.406 | Systems and methods for deposit predictions based upon Monte Carlo analysis | GRANT | 2012-09-25 | 2009-03-20 | 42738478 | Good | Fiserv Inc | Fiserv Inc |
| US20080149713A1 | 0.405 | Detecting Media Areas Likely of Hosting Watermarks | APPLICATION | 2008-06-26 | 2003-08-13 | 39541422 | Good | Digimarc Corp | Digimarc Corp |
| US20090222377A1 | 0.405 | TOTAL STRUCTURAL RISK MODEL | APPLICATION | 2009-09-03 | 2008-02-29 | 41013907 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US7653688B2 | 0.405 | Role-based portal to a workplace system | GRANT | 2010-01-26 | 2003-11-05 | 34573335 | Good | SAP SE | SAP SE |
| US7844039B2 | 0.405 | Methods for providing prepaid telephony service via an internet protocol network system | GRANT | 2010-11-30 | 1999-11-08 | 23731886 | Good | Verizon Business Global LLC | Verizon Patent and Licensing Inc |
| US6304850B1 | 0.405 | Computer-implemented system and method for booking airline travel itineraries | GRANT | 2001-10-16 | 1999-03-17 | 23035221 | Good | Netmarket Group Inc | NGI HOLDINGS Inc, TRAVELPORT Inc, Travelport Operations Inc |
| US20110010283A1 | 0.404 | E-CARD | APPLICATION | 2011-01-13 | 2009-07-09 | 43428231 | Good | ||
| US7657255B2 | 0.404 | Provisioning of wireless connectivity for devices using NFC | GRANT | 2010-02-02 | 2005-06-23 | 37595639 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7941365B1 | 0.404 | Systems and methods for providing a mortgage with a sliding credit line | GRANT | 2011-05-10 | 2002-07-31 | 43928348 | Good | Federal Home Loan Mortgage Corp (Freddie Mac) | Federal Home Loan Mortgage Corp (Freddie Mac) |
| US8571971B1 | 0.404 | Credit application status monitor | GRANT | 2013-10-29 | 2002-04-19 | 49448713 | Good | Wells Fargo Bank NA | WORLD SAVINGS BANK, Wells Fargo Bank NA |
| US8280810B2 | 0.403 | Method and system for automatically harmonizing access to a software application program via different access devices | GRANT | 2012-10-02 | 1996-10-30 | 24979481 | Good | Citicorp Development Center Inc | Citicorp Credit Services Inc USA |
| US20090099941A1 | 0.403 | SYSTEM AND METHOD FOR ENABLING CASH GIFTS IN AN ONLINE REGISTRY | APPLICATION | 2009-04-16 | 2007-01-12 | 40535137 | Good | MY LIFE REGISTRY LLC | MY LIFE REGISTRY LLC |
| WO2000055778A1 | 0.403 | DIGITAL-TIMESHARE-EXCHANGE | APPLICATION | 2000-09-21 | 1999-03-16 | 22272370 | Good | ||
| US20060265323A1 | 0.403 | Method and system for facilitating coordinating and managing a competitive marketplace | APPLICATION | 2006-11-23 | 1999-10-20 | 36710653 | Good | Accenture LLP | Accenture Global Services Ltd |
| US20030154122A1 | 0.403 | Consultancy scheduling billing and record keeping systems and methods | APPLICATION | 2003-08-14 | 2002-02-07 | 27659328 | Good | ||
| US20010049274A1 | 0.403 | Method of transferring data being stored in a database | APPLICATION | 2001-12-06 | 2000-03-24 | 26074233 | Good | Ne Way Sa | Mobile2Web (US) SA |
| US20060202012A1 | 0.402 | Secure data processing system such as a system for detecting fraud and expediting note processing | APPLICATION | 2006-09-14 | 2004-11-12 | 36969781 | Good | VERO Inc | VERO Inc |
| US7620596B2 | 0.402 | Systems and methods for evaluating financial transaction risk | GRANT | 2009-11-17 | 2007-06-01 | 40089366 | Good | Western Union Co | Western Union Co |
| US20090305670A1 | 0.402 | SYSTEM AND METHOD FOR AUTOMATED KNOWLEDGE BASED AUTHENTICATION | APPLICATION | 2009-12-10 | 2008-06-10 | 41400771 | Good | Prairie Interactive Messaging | CSG Interactive Messaging Inc |
| US7801956B1 | 0.402 | Providing notifications to an individual in a multi-dimensional personal information network | GRANT | 2010-09-21 | 2006-08-16 | 42044689 | Good | Resource Consortium Ltd | Resource Consortium Ltd |
| US8180691B2 | 0.402 | System and method for generating optimal bill/payment schedule | GRANT | 2012-05-15 | 2008-02-29 | 41013898 | Good | International Business Machines Corp | International Business Machines Corp |
| US6298250B1 | 0.402 | Wireless prepaid telephone system with extended capability | GRANT | 2001-10-02 | 1997-06-19 | 27128512 | Good | KUYPER REENA (ONE-EIGHTH INTEREST) | Dot 23 Technologies LLC, BETTINA JEAN THOMPSON |
| US20050015273A1 | 0.401 | Warranty management and analysis system | APPLICATION | 2005-01-20 | 2003-07-15 | 34068251 | Good | SAP SE | SAP SE |
| US20130080467A1 | 0.401 | SOCIAL NETWORKING SYSTEM AND METHOD | APPLICATION | 2013-03-28 | 2006-10-26 | 39365005 | Good | ||
| US6295528B1 | 0.401 | Method and apparatus for converting a geographic location to a direct marketing area for a query | GRANT | 2001-09-25 | 1998-11-30 | 22746386 | Good | InfoSpace Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US20090132312A1 | 0.400 | REGULATORY COMPLIANCE SYSTEM AND METHODOLOGY FOR PAYDAY LOANS TO MILITARY SERVICE MEMBERS AND THEIR DEPENDENTS | APPLICATION | 2009-05-21 | 2007-11-19 | 40642910 | Good | VERITEC SOLUTIONS LLC | VERITEC SOLUTIONS LLC |
| US20040044628A1 | 0.400 | Method and system for enforcing online identity consent polices | APPLICATION | 2004-03-04 | 2002-08-27 | 31496012 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US9213461B2 | 0.400 | Web-based real estate mapping system | GRANT | 2015-12-15 | 2004-06-16 | 35507186 | Good | Redfin Corp | Redfin Corp |
| US20110153402A1 | 0.400 | Methods and Apparatus for Credit Card Reward and Cost Management | APPLICATION | 2011-06-23 | 2009-12-23 | 44152386 | Good | NCR Corp | NCR Corp |
| US20110035452A1 | 0.400 | System and Method for Automatic Social Messaging | APPLICATION | 2011-02-10 | 2009-08-06 | 43535619 | Good | OpenPeak Inc | Microsoft Technology Licensing LLC |
| US6574736B1 | 0.400 | Composable roles | GRANT | 2003-06-03 | 1998-11-30 | 22744324 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7904306B2 | 0.400 | Method and apparatus for assessing credit for healthcare patients | GRANT | 2011-03-08 | 2004-09-01 | 36462020 | Good | Search America Inc | Search America Inc |
| US8225395B2 | 0.400 | Systems and methods for detecting child identity theft | GRANT | 2012-07-17 | 2007-11-13 | 40456525 | Good | Equifax Inc | Equifax Inc |
| US7050945B2 | 0.399 | Information providing system information providing method information processing apparatus information processing method communication terminal and a method for communication terminal | GRANT | 2006-05-23 | 2001-09-13 | 19102856 | Good | Sony Corp | Sony Corp |
| WO2001009792A2 | 0.399 | A SYSTEM METHOD AND ARTICLE OF MANUFACTURE FOR AN E-COMMERCE BASED USER FRAMEWORK DESIGN FOR MAINTAINING USER PREFERENCES ROLES AND DETAILS | APPLICATION | 2001-02-08 | 1999-07-30 | 23432969 | Good | ||
| US20100062808A1 | 0.399 | UNIVERSAL INTEGRATED CIRCUIT CARD HAVING A VIRTUAL SUBSCRIBER IDENTITY MODULE FUNCTIONALITY | APPLICATION | 2010-03-11 | 2008-08-25 | 41797773 | Good | InterDigital Patent Holdings Inc | InterDigital Patent Holdings Inc |
| WO2002035453A1 | 0.399 | FINGERPRINT IDENTIFYING METHOD AND SECURITY SYSTEM USING THE SAME | APPLICATION | 2002-05-02 | 2000-10-24 | 27350254 | Good | ||
| US7853436B2 | 0.399 | Method and system for tracking and reporting emissions | GRANT | 2010-12-14 | 2002-12-09 | 39739094 | Good | Verisae Inc | Verisae Inc |
| US20030172039A1 | 0.398 | System and method for managing accounts | APPLICATION | 2003-09-11 | 2002-03-05 | 29547993 | Good | First Data Corp | First Data Corp |
| US20080288299A1 | 0.398 | SYSTEM AND METHOD FOR USER IDENTITY VALIDATION FOR ONLINE TRANSACTIONS | APPLICATION | 2008-11-20 | 2006-10-31 | 41199378 | Good | GenMobi Tech Inc | Gula Consulting LLC |
| US6928487B2 | 0.398 | Computer system method and business method for automating business-to-business communications | GRANT | 2005-08-09 | 2000-12-23 | 25000555 | Good | International Business Machines Corp | International Business Machines Corp |
| US20090133117A1 | 0.398 | Authentication Frequency And Challenge Type Based On Application Usage | APPLICATION | 2009-05-21 | 2007-11-19 | 40643398 | Good | Avaya Inc | Avaya Inc |
| US20080091530A1 | 0.398 | Methods and systems for providing cross-selling with online banking environments | APPLICATION | 2008-04-17 | 2006-04-28 | 38656232 | Good | Efunds Corp | Efunds Corp |
| US6517587B2 | 0.398 | Networked architecture for enabling automated gathering of information from Web servers | GRANT | 2003-02-11 | 1998-12-08 | 23428028 | Good | Yodlee com Inc | Yodlee com Inc |
| US20070162413A1 | 0.397 | Portal site providing system and server method and program used for the same | APPLICATION | 2007-07-12 | 2004-02-23 | 34879437 | Good | NEC Corp | NEC Corp |
| US20030225742A1 | 0.397 | Method and process to optimize correlation of replicated with extracted data from disparated data sources | APPLICATION | 2003-12-04 | 2002-05-31 | 29583384 | Good | International Business Machines Corp | International Business Machines Corp |
| US7739191B2 | 0.397 | Method and system for transacting a purchase using a credit card from the seller | GRANT | 2010-06-15 | 1999-10-18 | 23664800 | Good | ||
| US20120130738A1 | 0.397 | System Management Dashboard | APPLICATION | 2012-05-24 | 2006-11-24 | 39499350 | Good | Compressus Inc | Compressus Inc |
| US6829639B1 | 0.396 | Method and system for intelligent global event notification and control within a distributed computing environment | GRANT | 2004-12-07 | 1999-11-15 | 33476596 | Good | NetVision Inc | F Poszat HU LLC |
| US20090055193A1 | 0.396 | METHOD APPARATUS AND COMPUTER CODE FOR SELECTIVELY PROVIDING ACCESS TO A SERVICE IN ACCORDANCE WITH SPOKEN CONTENT RECEIVED FROM A USER | APPLICATION | 2009-02-26 | 2007-02-22 | 40383006 | Good | Pudding Holdings Israel Ltd | Pudding Holdings Israel Ltd |
| US6792271B1 | 0.396 | Alternative wireless telephone roaming using prepaid services | GRANT | 2004-09-14 | 2001-11-06 | 25538554 | Good | BellSouth Intellectual Property Corp | AT&T Intellectual Property I LP, AT&T Delaware Intellectual Property Inc |
| US20110276396A1 | 0.396 | SYSTEM AND METHOD FOR DYNAMICALLY MONITORING RECORDING PROCESSING ATTACHING DYNAMIC CONTEXTUAL AND ACCESSIBLE ACTIVE LINKS AND PRESENTING OF PHYSICAL OR DIGITAL ACTIVITIES ACTIONS LOCATIONS LOGS LIFE STREAM BEHAVIOR AND STATUS | APPLICATION | 2011-11-10 | 2005-07-22 | 38006298 | Good | Onepatont Software Ltd | Onepatont Software Ltd |
| US8489720B1 | 0.396 | Cost-aware bandwidth management systems adaptive to network conditions | GRANT | 2013-07-16 | 2004-03-31 | 48749178 | Good | Blue Coat Systems Inc | CAI Software LLC |
| US20050013423A1 | 0.396 | Telecommunication method and apparatus with provisions to exceed usage limit | APPLICATION | 2005-01-20 | 2003-07-18 | 34079434 | Good | AT&T Corp | AT&T Corp |
| US6253203B1 | 0.396 | Privacy-enhanced database | GRANT | 2001-06-26 | 1998-10-02 | 22600471 | Good | NCR Corp | NCR Corp |
| US20130073457A1 | 0.396 | AGENT ACCESS PORTAL TO MONEY TRANSFER SYSTEM | APPLICATION | 2013-03-21 | 2008-10-16 | 42109410 | Good | MoneyGram International Inc | MoneyGram International Inc |
| US7188179B1 | 0.396 | System and method for providing service provider choice over a high-speed data connection | GRANT | 2007-03-06 | 2000-12-22 | 37807258 | Good | Cingular Wireless II LLC | AT&T Mobility II LLC, AT&T Wireless Services Inc |
| US20030004855A1 | 0.396 | User rating system for online auctions | APPLICATION | 2003-01-02 | 2001-06-29 | 25403973 | Good | International Business Machines Corp | PayPal Inc |
| US20070208640A1 | 0.395 | Method and Apparatus for Assessing Debtor Payment Behavior | APPLICATION | 2007-09-06 | 2006-02-21 | 38472524 | Good | PredictiveMetrics Inc | SunGard AvantGard LLC |
| US20100145838A1 | 0.395 | METHOD SYSTEM AND APPARATUS FOR OPENING ACCOUNTING DATA CAPABILITIES | APPLICATION | 2010-06-10 | 2007-08-23 | 40386694 | Good | Huawei Technologies Co Ltd | Huawei Technologies Co Ltd |
| US6041319A | 0.395 | Method and system for telephone updates of postal scales | GRANT | 2000-03-21 | 1997-07-14 | 25399398 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US7243075B1 | 0.395 | Real-time process for defining processing and delivering a highly customized contact list over a network | GRANT | 2007-07-10 | 2000-10-03 | 24724119 | Good | Targus Information Corp | Neustar Information Services Inc, MUREX SECURITIES Ltd (REPUBLIC OF IRELAND) |
| US6684072B1 | 0.395 | Global wireless prepaid roaming | GRANT | 2004-01-27 | 2000-08-24 | 30116232 | Good | Level Z LLC | Level Z LLC |
| US7451113B1 | 0.394 | Card management system and method | GRANT | 2008-11-11 | 2003-03-21 | 39854627 | Good | Mighty Net Inc | Consumerinfo com Inc |
| US8219771B2 | 0.394 | Portable device for storing private information such as medical financial or emergency information | GRANT | 2012-07-10 | 2006-10-19 | 39079643 | Good | STMicroelectronics lnc USA | STMicroelectronics lnc USA |
| US20100122316A1 | 0.394 | User Controlled Identity Authentication | APPLICATION | 2010-05-13 | 2008-11-12 | 42166387 | Good | ||
| US7334020B2 | 0.394 | Automatic highlighting of new electronic message address | GRANT | 2008-02-19 | 2002-09-20 | 31992511 | Good | GoodContacts Res Ltd | GoodContacts Res Ltd, MyLife com Inc |
| US8098239B1 | 0.394 | Systems and methods for positional number entry | GRANT | 2012-01-17 | 2008-03-26 | 45445102 | Good | Intuit Inc | Intuit Inc |
| US7630903B1 | 0.394 | Electronic dispute resolution system | GRANT | 2009-12-08 | 2000-02-15 | 31994456 | Good | SquareTrade Inc | TRANSECURE Inc, SquareTrade Inc |
| US20010037204A1 | 0.394 | System and method for on line resolution of disputes | APPLICATION | 2001-11-01 | 2000-05-12 | 26899126 | Good | RESOLVEITNOWCOM | RESOLVEITNOWCOM |
| US20040024717A1 | 0.393 | Computer assisted and/or implemented process and architecture for web-based monitoring of energy related usage and client accessibility therefor | APPLICATION | 2004-02-05 | 1998-04-03 | 27791159 | Good | Enerwise Global Tech Inc | ENERWISE GLOBAL TECHNOLOGIES Inc, Itron Inc, Enerwise Global Tech Inc, Conectiv Solutions LLC |
| US7900052B2 | 0.393 | Confidential data sharing and anonymous entity resolution | GRANT | 2011-03-01 | 2002-11-06 | 32312777 | Good | International Business Machines Corp | International Business Machines Corp |
| US20020174010A1 | 0.393 | System and method of permissive data flow and application transfer | APPLICATION | 2002-11-21 | 1999-09-08 | 25347664 | Good | JOLLY SEVEN SERIES 70 OF ALLIED SECURITY TRUST I | JOLLY SEVEN SERIES 70 OF ALLIED SECURITY TRUST I |
| US20090254971A1 | 0.393 | SECURE DATA INTERCHANGE | APPLICATION | 2009-10-08 | 1999-10-27 | 41134470 | Good | Pinpoint Inc | Cria Inc, Pinpoint Inc |
| US7873441B2 | 0.393 | System for execution of a load operating plan for load control | GRANT | 2011-01-18 | 2006-09-25 | 39230901 | Good | ||
| US20080270038A1 | 0.393 | SYSTEM APPARATUS AND METHOD FOR DETERMINING COMPATIBILITY BETWEEN MEMBERS OF A SOCIAL NETWORK | APPLICATION | 2008-10-30 | 2007-04-24 | 39888004 | Good | MySpace LLC | MySpace LLC |
| US7558777B1 | 0.392 | Technique for identifying and collecting record-keeping information | GRANT | 2009-07-07 | 2007-01-31 | 40811105 | Good | Intuit Inc | Intuit Inc |
| WO2001016896A1 | 0.392 | SYSTEM AND METHOD FOR ASSIGNING A LINE OF CREDIT TO A CREDIT CARD ACCOUNT | APPLICATION | 2001-03-08 | 1999-08-31 | 23524427 | Good | ||
| US6782370B1 | 0.392 | System and method for providing recommendation of goods or services based on recorded purchasing history | GRANT | 2004-08-24 | 1997-09-04 | 32869953 | Good | Cendant Publishing Inc | TRAVELPORT Inc, Intellectual Ventures II LLC |
| US20060173792A1 | 0.392 | System and method for verifying the age and identity of individuals and limiting their access to appropriate material | APPLICATION | 2006-08-03 | 2005-01-13 | 36678272 | Good | ||
| US6275824B1 | 0.392 | System and method for managing data privacy in a database management system | GRANT | 2001-08-14 | 1998-10-02 | 22600435 | Good | NCR Corp | Teradata US Inc |
| US20120016948A1 | 0.392 | SOCIAL NETWORK ACTIVITY MONITORING AND AUTOMATED REACTION | APPLICATION | 2012-01-19 | 2010-07-15 | 45467765 | Good | Avaya Inc | Avaya Inc |
| US7801811B1 | 0.392 | Methods of and systems for money laundering risk assessment | GRANT | 2010-09-21 | 2006-10-10 | 42733987 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20080004957A1 | 0.392 | Targeted advertising for portable devices | APPLICATION | 2008-01-03 | 2006-06-29 | 38877846 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20030130914A1 | 0.392 | Method of rating and charging of postpaid and prepaid subscribers using an intelligent network system | APPLICATION | 2003-07-10 | 2001-09-18 | 8181608 | Good | Siemens AG | Siemens AG |
| US20090234876A1 | 0.392 | SYSTEMS AND METHODS FOR CONTENT SHARING | APPLICATION | 2009-09-17 | 2008-03-14 | 41064161 | Good | ShareThis Inc | ShareThis Inc |
| US6308053B1 | 0.391 | Recyclable wireless telephone unit with a secured activation switch | GRANT | 2001-10-23 | 1997-06-19 | 27397583 | Good | KUYPER REENA (ONE-EIGHTH INTEREST) | RPX Corp |
| US20040138992A1 | 0.391 | Computer implemented automated credit application analysis and decision routing system | APPLICATION | 2004-07-15 | 1997-09-03 | 32718218 | Good | DealerTrack Inc, CMSI | DealerTrack Inc, CMSI |
| US20100049803A1 | 0.391 | ANONYMITY-PRESERVING RECIPROCAL VETTING FROM A SYSTEM PERSPECTIVE | APPLICATION | 2010-02-25 | 2008-08-19 | 41697334 | Good | ||
| US20040102197A1 | 0.391 | Dynamic web page construction based on determination of client device location | APPLICATION | 2004-05-27 | 1999-09-30 | 32326244 | Good | ||
| US20050027633A1 | 0.391 | Application and processes for the review and adjustment of the full lifecycle of consumer finances | APPLICATION | 2005-02-03 | 2003-06-25 | 34107677 | Good | BALLENGER GROUP LLC | DEDALUS CAPITAL Ltd |
| US8560438B2 | 0.390 | Systems and methods for optimization of a financial transaction | GRANT | 2013-10-15 | 2007-01-26 | 39669045 | Good | Nowcom Corp | Nowcom LLC |
| US20040050930A1 | 0.390 | Smart card with onboard authentication facility | APPLICATION | 2004-03-18 | 2002-09-17 | 31992238 | Good | ||
| US20060031177A1 | 0.390 | Method and system to design a dispute resolution process | APPLICATION | 2006-02-09 | 2004-08-03 | 35839855 | Good | eBay Inc | eBay Inc |
| US20090100047A1 | 0.390 | METHOD AND SYSTEM OF MANAGING AND USING PROFILE INFORMATION | APPLICATION | 2009-04-16 | 2007-10-15 | 40535206 | Good | ChaCha Search Inc | ChaCha Search Inc |
| US20050165638A1 | 0.390 | Cable system customized advertising | APPLICATION | 2005-07-28 | 2004-01-22 | 34794865 | Good | Buckeye Cablevision Inc | Buckeye Cablevision Inc |
| US7860114B1 | 0.390 | Method and system for dynamic gateway selection in an IP telephony network | GRANT | 2010-12-28 | 1999-11-08 | 23733866 | Good | Verizon Business Global LLC | Verizon Business Global LLC, Verizon Patent and Licensing Inc |
| US20070262140A1 | 0.390 | Apparatus System and Method for Delivering Products or Services | APPLICATION | 2007-11-15 | 2005-02-03 | 38684184 | Good | Critical Point Group | Critical Point Group |
| US6177950B1 | 0.390 | Multifunctional portable telephone | GRANT | 2001-01-23 | 1996-01-17 | 10787075 | Good | AVT Audio Visual | Iris Connex LLC |
| US20090058676A1 | 0.390 | Automated meter reading billing and payment processing system | APPLICATION | 2009-03-05 | 2000-09-21 | 22883174 | Good | ||
| US5630127A | 0.390 | Program storage device and computer program product for managing an event driven management information system with rule-based application structure stored in a relational database | GRANT | 1997-05-13 | 1992-05-15 | 25382619 | Good | International Business Machines Corp | International Business Machines Corp |
| US8451122B2 | 0.389 | Smartcard performance enhancement circuits and systems | GRANT | 2013-05-28 | 2008-08-08 | 46758475 | Good | Tyfone Inc | Icashe Inc |
| US7254558B2 | 0.389 | Method and system for prioritizing debt collections | GRANT | 2007-08-07 | 2000-12-21 | 24999756 | Good | GE Corporate Financial Services Inc | General Electric Co |
| US8543831B2 | 0.389 | System and method for establishing data connections between electronic devices | GRANT | 2013-09-24 | 2007-11-14 | 40625015 | Good | Qimonda AG | Polaris Innovations Ltd |
| US8078524B2 | 0.389 | Method and apparatus for explaining credit scores | GRANT | 2011-12-13 | 2001-02-22 | 25150723 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20020023108A1 | 0.389 | AUTOMATIC WEB FORM INTERACTION PROXY | APPLICATION | 2002-02-21 | 1999-09-09 | 23556506 | Good | Yodlee com Inc | Yodlee com Inc |
| US20080120129A1 | 0.389 | Consistent set of interfaces derived from a business object model | APPLICATION | 2008-05-22 | 2006-05-13 | 38895061 | Good | SAP SE | SAP SE |
| US20050086176A1 | 0.389 | Method and apparatus for loan management using an electronic portal | APPLICATION | 2005-04-21 | 2003-07-31 | 34527842 | Good | STUDENT LOAN FINANCE Corp | STUDENT LOAN FINANCE Corp |
| US8743892B2 | 0.389 | Method and system for dynamic gateway selection in an IP telephony network | GRANT | 2014-06-03 | 1999-11-08 | 33518942 | Good | Verizon Business Global LLC | Verizon Patent and Licensing Inc |
| US20070295804A1 | 0.389 | Machine for checking all your bank transactions and process them into handheld electronic device | APPLICATION | 2007-12-27 | 2006-06-26 | 38872664 | Good | ||
| US20050238175A1 | 0.389 | Management of the retention and/or discarding of stored data | APPLICATION | 2005-10-27 | 2004-04-22 | 35136438 | Good | Decru Inc | Decru Inc |
| US20110264566A1 | 0.389 | Automated Accounting Method | APPLICATION | 2011-10-27 | 1994-09-28 | 23218056 | Good | NOAH Systems Inc | NOAH Systems Inc |
| US7624068B1 | 0.389 | Method and system for dynamically adjusting discount rates for a card transaction | GRANT | 2009-11-24 | 2003-08-18 | 41327908 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA, Chase Bank USA NA |
| US7330835B2 | 0.388 | Method and system for tracking and reporting automated clearing house transaction status | GRANT | 2008-02-12 | 2002-10-31 | 33101010 | Good | Federal Reserve Bank of Minneapolis | Federal Reserve Bank of Minneapolis |
| US20080195548A1 | 0.388 | License Data Structure and License Issuing Method | APPLICATION | 2008-08-14 | 2005-04-11 | 37087224 | Good | Electronics and Telecommunications Research Institute ETRI | Electronics and Telecommunications Research Institute ETRI |
| US20020099612A1 | 0.388 | Parts requirement planning system and method across an extended supply chain | APPLICATION | 2002-07-25 | 2000-12-06 | 24936383 | Good | International Business Machines Corp | eBay Inc |
| US5436960A | 0.387 | Electronic mail system with RF communications to mobile processors and method of operation thereof | GRANT | 1995-07-25 | 1991-05-20 | 24823238 | Good | NTP Inc | NTP Inc |
| US4977595A | 0.387 | Method and apparatus for implementing electronic cash | GRANT | 1990-12-11 | 1989-04-03 | 27303627 | Good | Nippon Telegraph and Telephone Corp | Nippon Telegraph and Telephone Corp |
| US6314171B1 | 0.387 | Method and apparatus for extending a pre-paid calling card limit | GRANT | 2001-11-06 | 1998-04-27 | 22077468 | Good | AT&T Corp | AT&T Corp |
| US20090276368A1 | 0.387 | SYSTEMS AND METHODS FOR PROVIDING PERSONALIZED RECOMMENDATIONS OF PRODUCTS AND SERVICES BASED ON EXPLICIT AND IMPLICIT USER DATA AND FEEDBACK | APPLICATION | 2009-11-05 | 2008-04-28 | 41255383 | Good | Strands Inc | Strands Inc |
| WO1996015633A1 | 0.387 | SYSTEM FOR SUBSCRIBER ADMINISTRATION IN TELECOMMUNICATION NETWORK | APPLICATION | 1996-05-23 | 1994-11-11 | 26159836 | Good | ||
| US20120008851A1 | 0.387 | Remote negotiable instrument processor | APPLICATION | 2012-01-12 | 2010-07-12 | 45438624 | Good | APTYS SOLUTIONS LLC | APTYS SOLUTIONS LLC |
| US20080090527A1 | 0.387 | Device and Method for Selectively Controlling the Utility of an Integrated Circuit Device | APPLICATION | 2008-04-17 | 2005-02-18 | 36931495 | Good | NXP BV | NXP BV |
| US5774660A | 0.387 | World-wide-web server with delayed resource-binding for resource-based load balancing on a distributed resource multi-node network | GRANT | 1998-06-30 | 1996-08-05 | 24774814 | Good | Resonate Inc | Resonate Inc |
| US20020193094A1 | 0.386 | Method and system for downloading software products directly to wireless phones | APPLICATION | 2002-12-19 | 2001-06-15 | 25379571 | Good | ||
| US20040153642A1 | 0.386 | Encryption based security system for network storage | APPLICATION | 2004-08-05 | 2002-05-14 | 32772174 | Good | Decru Inc | NetApp Inc |
| US8209659B2 | 0.386 | Method and apparatus for creating a custom workflow | GRANT | 2012-06-26 | 2006-07-28 | 38987892 | Good | Intuit Inc | Intuit Inc |
| US7249080B1 | 0.386 | Investment advice systems and methods | GRANT | 2007-07-24 | 1999-10-25 | 38266952 | Good | Upstream Technologies LLC | Upstream Technologies LLC, Fiserv Investment Solutions Inc |
| US7792732B2 | 0.386 | Using commercial share of wallet to rate investments | GRANT | 2010-09-07 | 2004-10-29 | 46325834 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20070050777A1 | 0.385 | Duration of alerts and scanning of large data stores | APPLICATION | 2007-03-01 | 2003-06-09 | 37805853 | Good | Verano Inc | Leidos Cyber Inc |
| US7062475B1 | 0.385 | Personalized multi-service computer environment | GRANT | 2006-06-13 | 2000-05-30 | 36576618 | Good | Alberti Anemometer LLC | Commworks Solutions LLC, DOUBLE AGENT Inc |
| US20110113086A1 | 0.385 | SYSTEM AND METHOD FOR MONITORING ACTIVITY ON INTERNET-BASED SOCIAL NETWORKS | APPLICATION | 2011-05-12 | 2009-11-10 | 43974957 | Good | YOU DILIGENCE LLC | YOU DILIGENCE LLC |
| US8131614B2 | 0.385 | Using commercial share of wallet to compile marketing company lists | GRANT | 2012-03-06 | 2004-10-29 | 46325837 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20040199456A1 | 0.385 | Method and apparatus for explaining credit scores | APPLICATION | 2004-10-07 | 2000-08-01 | 26916547 | Good | Fair Isaac Corp | FAIRLSAAC AND COMPANY Inc, Fair Isaac Corp, FAIRLSAAC AND COMPANY Inc |
| US20020016767A1 | 0.385 | Automated bill paying system | APPLICATION | 2002-02-07 | 2000-02-11 | 26877472 | Good | ||
| US20070067297A1 | 0.385 | System and methods for a micropayment-enabled marketplace with permission-based self-service precision-targeted delivery of advertising entertainment and informational content and relationship marketing to anonymous internet users | APPLICATION | 2007-03-22 | 2004-04-30 | 37885412 | Good | ||
| US6764005B2 | 0.384 | Universal credit card apparatus and method | GRANT | 2004-07-20 | 1994-11-04 | 23307369 | Good | Technology Licensing Corp | Technology Licensing Corp |
| US7085727B2 | 0.384 | Movie rental and notification system | GRANT | 2006-08-01 | 2002-09-26 | 32029139 | Good | Benhov GmbH LLC | Benhov GmbH LLC |
| US7900822B1 | 0.384 | Systems methods and apparatus for receiving images of one or more checks | GRANT | 2011-03-08 | 2007-11-06 | 43639203 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20080208548A1 | 0.384 | Credit Report-Based Predictive Models | APPLICATION | 2008-08-28 | 2007-02-27 | 39716906 | Good | Transunion Interactive Inc | Transunion Interactive Inc |
| US20040107250A1 | 0.384 | METHODS AND SYSTEMS FOR INTEGRATING COMMUNICATION RESOURCES USING THE INTERNET | APPLICATION | 2004-06-03 | 2002-10-21 | 32397048 | Good | ||
| WO2011005876A1 | 0.384 | METHOD OF SHARING INFORMATION AND POSITIVE RATINGS OF PRODUCTS SERVICES INDIVIDUALS AND ORGANIZATIONS IN A SOCIAL NETWORK | APPLICATION | 2011-01-13 | 2009-07-07 | 43429523 | Good | ||
| US5611052A | 0.383 | Lender direct credit evaluation and loan processing system | GRANT | 1997-03-11 | 1993-11-01 | 22518557 | Good | Golden 1 Credit Union | CU DIRECT Corp |
| US7212999B2 | 0.383 | User interface for an electronic trading system | GRANT | 2007-05-01 | 1999-04-09 | 23112017 | Good | Trading Technologies International Inc | Trading Technologies International Inc |
| US20090089190A1 | 0.383 | SYSTEMS AND METHODS FOR MONITORING FINANCIAL ACTIVITIES OF CONSUMERS | APPLICATION | 2009-04-02 | 2007-09-27 | 40475168 | Good | Experian Information Solutions LLC | Life Technologies Corp, Experian Information Solutions LLC |
| US20040111292A1 | 0.383 | Healthcare credit evaluation method | APPLICATION | 2004-06-10 | 2002-12-06 | 32468401 | Good | NATIONAL MEDSEARCH LLC | NATIONAL MEDSEARCH LLC |
| US8407194B1 | 0.382 | Data classification and privacy repository | GRANT | 2013-03-26 | 2009-01-15 | 47892405 | Good | Privity Systems Inc | Privity Systems Inc |
| US5276311A | 0.382 | Method and device for simplifying the use of a plurality of credit cards or the like | GRANT | 1994-01-04 | 1989-03-01 | 6375163 | Good | E-PASS TECHNOLOGIES Inc | E-PASS TECHNOLOGIES Inc |
| US20070204033A1 | 0.382 | Methods and systems to detect abuse of network services | APPLICATION | 2007-08-30 | 2006-02-24 | 38445349 | Good | SBC Knowledge Ventures LP | AT&T Intellectual Property I LP |
| US20080040610A1 | 0.382 | SYSTEMS AND METHODS FOR CLIENT SCREENING IN THE FINANCIAL SERVICES INDUSTRY | APPLICATION | 2008-02-14 | 2006-06-01 | 39052231 | Good | Investigo Corp | Broadridge Securities Processing Solutions Inc |
| US8086523B1 | 0.382 | Credit risk evaluation with responsibility factors | GRANT | 2011-12-27 | 2006-08-07 | 45349911 | Good | Allstate Insurance Co | Allstate Insurance Co |
| US5699527A | 0.382 | Method and system for processing loan | GRANT | 1997-12-16 | 1995-05-01 | 23714765 | Good | S Aqua Semiconductor LLC | S Aqua Semiconductor LLC |
| US20080255992A1 | 0.382 | Double recognizing method by means of telephone number and identification code for online credit card transactions over the internet | APPLICATION | 2008-10-16 | 2007-04-16 | 39768161 | Good | ||
| WO2008064603A1 | 0.381 | A METHOD AND A SYSTEM FOR IMPLEMENTING ROAM CROSS-NETWORK FOR PREPAID USERS | APPLICATION | 2008-06-05 | 2006-11-29 | 38072013 | Good | ||
| US7747520B2 | 0.381 | Method and system for monitoring for and reporting of lien distress events | GRANT | 2010-06-29 | 2005-08-05 | 37727977 | Good | First American CoreLogic Inc | FIRST AMERICAN CORELOGIC HOLIDNGS Inc, CoreLogic Solutions LLC |
| US6233683B1 | 0.381 | System and method for a multi-application smart card which can facilitate a post-issuance download of an application onto the smart card | GRANT | 2001-05-15 | 1997-03-24 | 26718169 | Good | Visa International Service Association | GLOBALPLATFORM Inc |
| US20110302653A1 | 0.381 | System and Method for Network Security Including Detection of Attacks Through Partner Websites | APPLICATION | 2011-12-08 | 2010-03-01 | 45065530 | Good | Silver Tail Systems LLC | EMC Corp |
| US20070149184A1 | 0.381 | System and method for real-time management of mobile resources | APPLICATION | 2007-06-28 | 2005-10-14 | 37963084 | Good | Carrier Web LLC | Carrier Web LLC, I D Systems Inc |
| US6988085B2 | 0.381 | System and method for real-time electronic inquiry delivery and reporting of credit information | GRANT | 2006-01-17 | 1999-10-19 | 23668237 | Good | Advanced Business Computers of America Inc | F Poszat HU LLC |
| US20070055891A1 | 0.381 | Protocol translation | APPLICATION | 2007-03-08 | 2005-09-08 | 37831297 | Good | NetApp Inc | NetApp Inc |
| US20030198350A1 | 0.380 | Method system and program product for managing a size of a key management block during content distribution | APPLICATION | 2003-10-23 | 2002-04-18 | 29214764 | Good | International Business Machines Corp | International Business Machines Corp |
| US20010021651A1 | 0.380 | Call detail record generation in a telecommunications system | APPLICATION | 2001-09-13 | 2000-03-10 | 9887257 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US20020016771A1 | 0.380 | System and method for managing financial transaction information | APPLICATION | 2002-02-07 | 1999-12-14 | 22620772 | Good | Citicorp Development Center Inc | Citicorp Development Center Inc |
| US20110214187A1 | 0.379 | System and Method for Network Security Including Detection of Attacks Through Partner Websites | APPLICATION | 2011-09-01 | 2010-03-01 | 44506026 | Good | Silver Tail Systems LLC | EMC Corp |
| US8391599B1 | 0.379 | Systems and methods for adaptive binarization of an image | GRANT | 2013-03-05 | 2008-10-17 | 47749066 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20070220003A1 | 0.379 | System and method for collecting and/or managing data for remote service providers | APPLICATION | 2007-09-20 | 2006-03-17 | 38519164 | Good | ESTREET IP LLC | ESTREET IP LLC |
| US20090037326A1 | 0.379 | Virtual Card Selector for a Portable Electronic Device | APPLICATION | 2009-02-05 | 2007-07-30 | 40305228 | Good | Motorola Solutions Inc | Motorola Solutions Inc |
| US6457012B1 | 0.379 | Method and system of updating address records utilizing a clientserver interface | GRANT | 2002-09-24 | 1997-06-10 | 25359571 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US20020174061A1 | 0.379 | Method and apparatus for intelligent scalable communications in a multi-asset financial fulfillment network | APPLICATION | 2002-11-21 | 2000-12-04 | 22950378 | Good | Ecreditcom Inc | Ecreditcom Inc |
| US20080047017A1 | 0.378 | SYSTEM AND METHOD FOR DYNAMICALLY ASSESSING SECURITY RISKS ATTRIBUTED TO A COMPUTER USER'S BEHAVIOR | APPLICATION | 2008-02-21 | 2006-06-23 | 38833044 | Good | COGNETO DEVELOPMENT Inc | COGNETO DEVELOPMENT Inc |
| US8554584B2 | 0.378 | Interactive credential system and method | GRANT | 2013-10-08 | 2006-07-03 | 45874167 | Good | Hargroder Cos Inc | Hargroder Cos Inc |
| US20050089172A1 | 0.378 | Vocal print authentication system and vocal print authentication program | APPLICATION | 2005-04-28 | 2003-10-24 | 34386545 | Good | Aruze Corp | Universal Entertainment Corp |
| US5787187A | 0.378 | Systems and methods for biometric identification using the acoustic properties of the ear canal | GRANT | 1998-07-28 | 1996-04-01 | 24511480 | Good | Sandia Corp | National Technology and Engineering Solutions of Sandia LLC |
| US20060212486A1 | 0.378 | METHODS AND SYSTEMS FOR COMPLIANCE MONITORING KNOWLEDGE BASE | APPLICATION | 2006-09-21 | 2005-03-21 | 37011630 | Good | OVERSIGHT SYSTEMS Inc | OVERSIGHT SYSTEMS Inc |
| US9281996B1 | 0.378 | Method and system for dynamic gateway selection in an IP telephony network | GRANT | 2016-03-08 | 1999-11-08 | 24256251 | Good | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US7640209B1 | 0.378 | Process for an inclusive automated consumer controlled mortgage system (ACCMS) containing an automated mortgage monitoring and government compliance auditing system | GRANT | 2009-12-29 | 2007-02-20 | 41433088 | Good | PETRONIS INNOVATECH LLC | PETRONIS INNOVATECH LLC |
| US20090172788A1 | 0.378 | TECHNIQUES FOR CREDENTIAL STRENGTH ANALYSIS VIA FAILED INTRUDER ACCESS ATTEMPTS | APPLICATION | 2009-07-02 | 2007-12-27 | 40800391 | Good | Micro Focus Software Inc | Apple Inc |
| US6421675B1 | 0.378 | Search engine | GRANT | 2002-07-16 | 1998-03-16 | 26760224 | Good | S L I Systems Inc | Globalbrainnet Inc, S L I Systems Inc |
| US20030190913A1 | 0.378 | Subscriber registration method | APPLICATION | 2003-10-09 | 2000-08-08 | 11042654 | Good | Markport Ltd | Markport Ltd |
| US20090094237A1 | 0.378 | Methods Systems and Computer Program Products for Generating Data Quality Indicators for Relationships in a Database | APPLICATION | 2009-04-09 | 2007-10-04 | 40524174 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US20120173339A1 | 0.378 | Tile Space User Interface For Mobile Devices | APPLICATION | 2012-07-05 | 2005-09-16 | 37911604 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20070168267A1 | 0.377 | Automated aggregation and comparison of business spending relative to similar businesses | APPLICATION | 2007-07-19 | 2006-01-13 | 38264392 | Good | Intuit Inc | Intuit Inc |
| US5481672A | 0.377 | Detecting rewriting of stored data using codes based on password and the stored data | GRANT | 1996-01-02 | 1991-02-27 | 27459702 | Good | Canon Inc | Canon Inc |
| US7096043B1 | 0.377 | Call origination control | GRANT | 2006-08-22 | 2003-10-24 | 36821796 | Good | Nortel Networks Ltd | RPX Clearinghouse LLC |
| US7720705B2 | 0.377 | System and method for real-time updating service provider ratings | GRANT | 2010-05-18 | 2000-01-18 | 23937816 | Good | Service Ratings LLC | Service Ratings LLC |
| US20100114744A1 | 0.377 | REPUTATION SCORING AND REPORTING SYSTEM | APPLICATION | 2010-05-06 | 2008-10-30 | 42132627 | Good | Metro Enterprises Inc | Telesign Corp |
| US5812642A | 0.377 | Audience response monitor and analysis system and method | GRANT | 1998-09-22 | 1995-07-12 | 23993573 | Good | ||
| US20060120348A1 | 0.377 | Method and apparatus for enabling the downloading of network based information to IP phones | APPLICATION | 2006-06-08 | 2004-12-03 | 36096424 | Good | AT&T Corp | AT&T Corp |
| US6311270B1 | 0.377 | Method and apparatus for securing communication utilizing a security processor | GRANT | 2001-10-30 | 1998-09-14 | 22543563 | Good | International Business Machines Corp | International Business Machines Corp |
| US7773980B2 | 0.377 | Event and data management system and method | GRANT | 2010-08-10 | 2006-01-13 | 38263096 | Good | PAYjr Inc | Cardlab Inc |
| US20080054079A1 | 0.377 | DYNAMIC CREDIT CARD WITH MAGNETIC STRIPE AND EMBEDDED ENCODER AND METHODS FOR USING THE SAME TO PROVIDE A COPY-PROOF CREDIT CARD | APPLICATION | 2008-03-06 | 2005-05-09 | 39028194 | Good | Dynamics Inc | Dynamics Inc |
| US20100022273A1 | 0.377 | RADIOFREQUENCY LOCAL COMMUNICATION INTERFACE BETWEEN A MOBILE PHONE AND A CONTACTLESS READER | APPLICATION | 2010-01-28 | 2006-12-20 | 38001808 | Good | Smart Packaging Solutions SPS | Smart Packaging Solutions SPS |
| US7603317B2 | 0.377 | Using a privacy agreement framework to improve handling of personally identifiable information | GRANT | 2009-10-13 | 2001-06-19 | 25384337 | Good | International Business Machines Corp | International Business Machines Corp |
| US7958046B2 | 0.377 | Computer systems and methods for providing credit information data | GRANT | 2011-06-07 | 2003-04-23 | 32946862 | Good | SAP SE | SAP SE |
| US4876592A | 0.377 | System for merchandising and the evaluation of responses to broadcast transmissions | GRANT | 1989-10-24 | 1986-03-10 | 26887888 | Good | Response Reward Systems LC | INTERTECH HOLDINGS LLC |
| US7860769B2 | 0.377 | Method of preventing fraud | GRANT | 2010-12-28 | 2006-07-26 | 38987554 | Good | ||
| WO2012016572A1 | 0.376 | METHOD AND AUTOMATED SYSTEM FOR IDENTIFYING THE AUTHENTICITY OF LABELLING ON GOODS FOR SALE | APPLICATION | 2012-02-09 | 2010-08-05 | 44544187 | Good | ||
| WO2001039589A2 | 0.376 | METHOD AND APPARATUS FOR PROVIDING ONLINE FINANCIAL ACCOUNT SERVICES | APPLICATION | 2001-06-07 | 1999-12-01 | 27538773 | Good | ||
| US20060032909A1 | 0.376 | System and method for providing database security measures | APPLICATION | 2006-02-16 | 2004-08-06 | 35066038 | Good | ||
| US5930776A | 0.376 | Lender direct credit evaluation and loan processing system | GRANT | 1999-07-27 | 1993-11-01 | 26844199 | Good | Golden 1 Credit Union | CU DIRECT Corp |
| WO2007004158A2 | 0.376 | DEBTOR MANAGEMENT SYSTEM AND METHOD | APPLICATION | 2007-01-11 | 2005-07-05 | 37409825 | Good | ||
| US7832006B2 | 0.376 | System and method for providing network security | GRANT | 2010-11-09 | 2005-08-09 | 37744042 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US7688813B2 | 0.375 | Monitoring control system and method | GRANT | 2010-03-30 | 2004-11-22 | 35840310 | Good | LG Electronics Inc | LG Electronics Inc |
| US6285987B1 | 0.375 | Internet advertising system | GRANT | 2001-09-04 | 1997-01-22 | 25143080 | Good | Engage Inc | FLYCAST COMMUNICATIONS Corp (A DELAWARE CORPORATION), BEH Investments LLC |
| US20040243588A1 | 0.375 | Systems and methods for administering a global information database | APPLICATION | 2004-12-02 | 2003-05-29 | 33451331 | Good | Equifax Inc | Equifax Inc |
| US20060136180A1 | 0.375 | Selecting virtual brick models | APPLICATION | 2006-06-22 | 2003-05-20 | 37450744 | Good | Interlego AG | Lego AS |
| US20020016175A1 | 0.375 | Method of accessing a service from a mobile telephone using a short-code number | APPLICATION | 2002-02-07 | 2000-06-22 | 8851567 | Good | Alcatel SA | Alcatel SA |
| US20060036748A1 | 0.375 | Apparatus and method for computerized information management | APPLICATION | 2006-02-16 | 2004-07-28 | 35801311 | Good | ||
| US7962361B2 | 0.375 | Customer relationship management system for physical locations | GRANT | 2011-06-14 | 2002-11-07 | 32228981 | Good | Novitaz | Maplebear Inc |
| US8599315B2 | 0.374 | On screen displays associated with remote video source devices | GRANT | 2013-12-03 | 2007-07-25 | 39824321 | Good | Silicon Image Inc | Lattice Semiconductor Corp |
| US6996543B1 | 0.374 | System for protection of goods against counterfeiting | GRANT | 2006-02-07 | 1998-04-14 | 22026862 | Good | International Business Machines Corp | Toshiba Global Commerce Solutions Holdings Corp |
| US20080065530A1 | 0.374 | Method System and Apparatus for Providing a Variable Credit Account to a Consumer | APPLICATION | 2008-03-13 | 2004-05-18 | 35463079 | Good | 14 LICENSING LLC | 14 LICENSING LLC, PayPal Inc |
| US4989141A | 0.374 | Computer system for financial analyses and reporting | GRANT | 1991-01-29 | 1987-06-01 | 22000381 | Good | Corporate Class Software | CORPORATE CLASS SOFTWARE Inc A CORP OF, Oracle International Corp, Corporate Class Software |
| US20060004623A1 | 0.374 | System and method for online professional services networks | APPLICATION | 2006-01-05 | 2004-07-02 | 35515148 | Good | ||
| US5706338A | 0.374 | Real-time communications fraud monitoring system | GRANT | 1998-01-06 | 1993-03-31 | 21912936 | Good | AT&T Corp | AT&T Corp |
| US20090024462A1 | 0.374 | METHOD AND SYSTEM FOR PROVIDING TARGETED OFFERS BASED ON A CREDIT ATTRIBUTE | APPLICATION | 2009-01-22 | 2007-07-16 | 40265584 | Good | CREDIT KARMA Inc | CREDIT KARMA Inc |
| US5802142A | 0.373 | Data correction system for communications network | GRANT | 1998-09-01 | 1993-03-31 | 27266643 | Good | British Telecommunications PLC | British Telecommunications PLC |
| US7711635B2 | 0.373 | System and method for helping consumers understand and interpret credit scores | GRANT | 2010-05-04 | 2001-02-22 | 37036352 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20070124254A1 | 0.373 | Online charging in a communications network | APPLICATION | 2007-05-31 | 2003-05-07 | 32981891 | Good | Nortel Networks Ltd | Apple Inc |
| US5317733A | 0.373 | Office automation system for data base management and forms generation | GRANT | 1994-05-31 | 1990-01-26 | 23871024 | Good | CISGEM Tech Inc | CISGEM TECHNOLOGIES Inc, CISGEM Tech Inc |
| US7310511B2 | 0.373 | Monitoring and management of roaming users | GRANT | 2007-12-18 | 2004-02-13 | 34700211 | Good | StarHome GmbH | StarHome GmbH |
| US20110071950A1 | 0.373 | CUSTOMER-ORIENTED CUSTOMER RELATIONSHIP MANAGEMENT PROCESS AND SYSTEM | APPLICATION | 2011-03-24 | 2009-09-23 | 43757478 | Good | Webcom Inc | Callidus Software Inc |
| US20140298485A1 | 0.373 | PERSISTENT AGENT SUPPORTED BY PROCESSOR | APPLICATION | 2014-10-02 | 2005-03-18 | 37464988 | Good | Absolute Software Corp | Absolute Software Corp |
| US20070198336A1 | 0.373 | AUTOMATED SYSTEM AND METHOD FOR DISCOUNTING MEDICAL BILLS OF SELF-PAY PATIENTS | APPLICATION | 2007-08-23 | 2006-02-23 | 38429467 | Good | ||
| US8478686B1 | 0.372 | Method of determining credit worthiness and profitability | GRANT | 2013-07-02 | 2009-07-29 | 48671305 | Good | Advertising Data Tech LLC | Advertising Data Tech LLC |
| US7841004B1 | 0.372 | Child identity monitor | GRANT | 2010-11-23 | 2007-04-05 | 43087417 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20080103800A1 | 0.372 | Identity Protection | APPLICATION | 2008-05-01 | 2006-10-25 | 39331403 | Good | IdentityTruth Inc | IdentityTruth Inc |
| US20070040015A1 | 0.372 | Method and system for creating banking sub-accounts with varying limits | APPLICATION | 2007-02-22 | 2005-08-16 | 37766553 | Good | International Business Machines Corp | Google LLC |
| US20110307474A1 | 0.372 | PARTY REPUTATION AGGREGATION SYSTEM AND METHOD | APPLICATION | 2011-12-15 | 2010-06-15 | 45097072 | Good | International Business Machines Corp | International Business Machines Corp |
| US20110276604A1 | 0.372 | REPUTATION BASED ACCESS CONTROL | APPLICATION | 2011-11-10 | 2010-05-06 | 44902646 | Good | International Business Machines Corp | International Business Machines Corp |
| US20090261172A1 | 0.372 | SYSTEMS METHODS AND COMPUTER PROGRAM PRODUCTS FOR SUPPORTING MULTIPLE CONTACTLESS APPLICATIONS USING DIFFERENT SECURITY KEYS | APPLICATION | 2009-10-22 | 2008-04-18 | 41199791 | Good | Vivotech Inc | Mastercard International Inc |
| US6901406B2 | 0.372 | Methods and systems for accessing multi-dimensional customer data | GRANT | 2005-05-31 | 1999-12-29 | 26869322 | Good | General Electric Capital Corp | GE Capital US Holdings Inc |
| US20060190334A1 | 0.372 | Automated system and method for discounting medical bills of self-pay patients | APPLICATION | 2006-08-24 | 2005-02-22 | 36913963 | Good | ||
| US20060161478A1 | 0.372 | System method and computer program product for currency redemption in loyalty reward programs | APPLICATION | 2006-07-20 | 2005-01-06 | 36685143 | Good | AFFINION LOYALTY GROUP Inc | AFFINION LOYALTY GROUP Inc |
| US20140332588A1 | 0.371 | Card Reader Device for a Cell Phone and Method of Use | APPLICATION | 2014-11-13 | 2009-06-10 | 42130206 | Good | REM Holdings 3 a Missouri LLC LLC | REM Holdings 3 a Missouri LLC LLC |
| US20090315737A1 | 0.371 | COMBINATION RENTAL VEHICLE AND PARKING SPACE MANAGEMENT SYSTEM | APPLICATION | 2009-12-24 | 2007-05-12 | 39154970 | Good | Mayalys Ltd | Mayalys Ltd |
| US6745935B1 | 0.371 | Method for exchanging data between an automatic dispenser and a microcircuit card | GRANT | 2004-06-08 | 1998-10-13 | 9531464 | Good | Regie Autonome des Transports Parisiens | Regie Autonome des Transports Parisiens |
| US20050203768A1 | 0.371 | System and method for associating aerial images map features and information | APPLICATION | 2005-09-15 | 2000-10-23 | 34923517 | Good | Costar Group Inc | Costar Realty Information Inc |
| US20070143123A1 | 0.371 | System method and service for recording household assets | APPLICATION | 2007-06-21 | 2005-12-06 | 38174842 | Good | Arkiva Inc | Arkiva Inc |
| US20090327120A1 | 0.371 | Tagged Credit Profile System for Credit Applicants | APPLICATION | 2009-12-31 | 2008-06-27 | 41448629 | Good | CENTRRO Inc | CENTRRO Inc |
| US20080103798A1 | 0.370 | Identity Protection | APPLICATION | 2008-05-01 | 2006-10-25 | 39331401 | Good | IdentityTruth Inc | IdentityTruth Inc |
| US20060200583A1 | 0.370 | System and method for synchronisation of data between service portals and access platforms for services using such a synchronization system | APPLICATION | 2006-09-07 | 2003-02-03 | 32696298 | Good | France Telecom SA | Orange SA |
| US20060248021A1 | 0.370 | Verification system using public records | APPLICATION | 2006-11-02 | 2004-11-22 | 37235632 | Good | Intelius | Peopleconnect Inc, Silicon Valley Bank Inc |
| US20020099635A1 | 0.370 | Control of account utilization | APPLICATION | 2002-07-25 | 2001-01-24 | 26735649 | Good | ||
| US7630933B2 | 0.370 | System and method for matching loan consumers and lenders | GRANT | 2009-12-08 | 2004-02-20 | 34861203 | Good | Horizon Digital Finance LLC | Horizon Digital Finance LLC |
| US20030208412A1 | 0.370 | Method and system facilitating transactions between consumers and service providers | APPLICATION | 2003-11-06 | 2001-09-28 | 29270452 | Good | CREDITMINDERS Inc | CREDITMINDERS Inc |
| US20120124498A1 | 0.369 | System and Method for Simultaneous Display of Multiple Information Sources | APPLICATION | 2012-05-17 | 1999-10-29 | 46331896 | Good | Surfcast Inc | Surfcast Inc |
| US20080244208A1 | 0.369 | Memory card hidden command protocol | APPLICATION | 2008-10-02 | 2007-03-30 | 39796310 | Good | Tyfone Inc | Tyfone Inc |
| US6397224B1 | 0.369 | Anonymously linking a plurality of data records | GRANT | 2002-05-28 | 1999-12-10 | 23823661 | Good | Iqvia Inc | Iqvia Inc |
| US20030009418A1 | 0.369 | Systems and methods for electronically verifying and processing information | APPLICATION | 2003-01-09 | 2000-12-08 | 26674362 | Good | ||
| US20100153278A1 | 0.369 | WEB SITES THAT INTRODUCE A SELLER TO A UNIVERSE OF BUYERS WEB SITES THAT RECEIVE A BUYER'S LISTING OF WHAT HE WANTS TO BUY OTHER INTRODUCTION WEB SITES SYSTEMS USING INTRODUCTION WEB SITES AND INTERNET-BASED INTRODUCTIONS | APPLICATION | 2010-06-17 | 2008-12-16 | 42241701 | Good | ||
| US8938399B1 | 0.369 | Method and system for automatically repairing a fraudulent identity theft incident | GRANT | 2015-01-20 | 2003-09-23 | 52301742 | Good | ||
| US20080086431A1 | 0.369 | SOCIAL INTERACTION MESSAGING AND NOTIFICATION | APPLICATION | 2008-04-10 | 2006-09-15 | 39184660 | Good | Icebreaker Inc | DENA PACIFIC COMMUNICATIONS Inc |
| US20050130704A1 | 0.368 | Credit limit recommendation | APPLICATION | 2005-06-16 | 2003-12-15 | 34653795 | Good | Dun and Bradstreet Inc | Dun and Bradstreet Inc |
| US20050114345A1 | 0.368 | Method for accessing a personalized content on a home page hosted on a web site | APPLICATION | 2005-05-26 | 1995-12-14 | 24288303 | Good | ||
| US7509487B2 | 0.368 | Secure networking using a resource-constrained device | GRANT | 2009-03-24 | 2003-09-29 | 34576905 | Good | Gemalto Inc | Axalto Inc, Gemalto Inc |
| US5226177A | 0.368 | Real-time wireless audience response system | GRANT | 1993-07-06 | 1990-03-27 | 27414142 | Good | Viewfacts Inc | Viewfacts Inc |
| US20010039532A1 | 0.367 | Chargeback calculator | APPLICATION | 2001-11-08 | 2000-04-11 | 26891916 | Good | SmithKline Beecham Corp | SmithKline Beecham Corp |
| US5920701A | 0.367 | Scheduling data transmission | GRANT | 1999-07-06 | 1995-01-19 | 24828127 | Good | Starburst Communications Corp | Rateze Remote Mgmt LLC, Hanger Solutions LLC |
| US7860782B2 | 0.366 | System and method for defining attributes decision rules or both for remote execution claim set IV | GRANT | 2010-12-28 | 2005-05-24 | 37717229 | Good | Magnum Communications Ltd | CRIBIS Corp |
| US20090271248A1 | 0.366 | PRECALCULATION OF TRENDING ATTRIBUTES | APPLICATION | 2009-10-29 | 2008-03-27 | 41215917 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US20010011247A1 | 0.366 | PRIVACY-ENABLED LOYALTY CARD SYSTEM AND METHOD | APPLICATION | 2001-08-02 | 1998-10-02 | 22598971 | Good | NCR Corp | NCR Corp |
| US7983932B2 | 0.366 | Network and methods for integrating individualized clinical test results and nutritional treatment | GRANT | 2011-07-19 | 2004-02-17 | 34886179 | Good | Bodybio Inc | Bodybio Inc |
| US20110307938A1 | 0.366 | Integrating Account Selectors with Passive Authentication Protocols | APPLICATION | 2011-12-15 | 2010-06-15 | 45097361 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| USRE42743E1 | 0.366 | System for authorizing functionality in adaptable hardware devices | GRANT | 2011-09-27 | 2001-11-28 | 25544654 | Good | QST Holdings LLC | Cornami Inc |
| US20090210241A1 | 0.365 | Emergency Contact System that Interfaces with Government ID | APPLICATION | 2009-08-20 | 2008-02-15 | 40955916 | Good | ||
| US20080010687A1 | 0.365 | REGISTRATION VERIFICATION AND NOTIFICATION SYSTEM | APPLICATION | 2008-01-10 | 2005-01-11 | 36653257 | Good | Metro Enterprises Inc | Telesign Corp |
| US20020035511A1 | 0.365 | Management method for receiving orders and management system for receiving orders | APPLICATION | 2002-03-21 | 2000-02-02 | 18551549 | Good | Seiko Epson Corp | Seiko Epson Corp |
| US20100010935A1 | 0.365 | SYSTEMS AND METHODS FOR CREDIT WORTHINESS SCORING AND LOAN FACILITATION | APPLICATION | 2010-01-14 | 2008-06-09 | 41506023 | Good | Quest Growth Partners LLC | RADCLIFF GROUP Inc |
| US7809797B2 | 0.365 | Parental control using social metrics system and method | GRANT | 2010-10-05 | 2007-04-06 | 39328272 | Good | Symantec Corp | NortonLifeLock Inc |
| US20010037450A1 | 0.365 | System and method for process protection | APPLICATION | 2001-11-01 | 2000-03-02 | 22685342 | Good | ||
| US20090204518A1 | 0.364 | System for electronically implementing a business transaction between a payee and a payor | APPLICATION | 2009-08-13 | 2000-11-20 | 40939715 | Good | ||
| US7805362B1 | 0.364 | Methods of and systems for money laundering risk assessment | GRANT | 2010-09-28 | 2006-10-10 | 42753202 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US6070147A | 0.364 | Customer identification and marketing analysis systems | GRANT | 2000-05-30 | 1996-07-02 | 24698930 | Good | Tecmark Services Inc | IDLOYALTY LLC |
| US7676410B2 | 0.364 | Combined debt consolidation and settlement program | GRANT | 2010-03-09 | 2006-05-12 | 38686282 | Good | Compucredit Intellectual Property Holdings Corp II | CC SERVE Corp |
| US9075977B2 | 0.364 | System for using spoken utterances to provide access to authorized humans and automated agents | GRANT | 2015-07-07 | 2008-06-23 | 41432134 | Good | John Nicholas and Kristin Gross Trust U/A/D Apr 13 2010 | Knapp Investment Co Ltd |
| US20100274815A1 | 0.364 | System and method for indexing correlating managing referencing and syndicating identities and relationships across systems | APPLICATION | 2010-10-28 | 2007-01-30 | 42993051 | Good | ||
| US20010003093A1 | 0.364 | Communication system that communicates position information of roaming mobile stations | APPLICATION | 2001-06-07 | 1997-05-06 | 25312343 | Good | ||
| US20120113147A1 | 0.364 | METHOD OF OPERATING A DEVICE | APPLICATION | 2012-05-10 | 2010-07-15 | 46019216 | Good | Nokia Oyj | Nokia Oyj |
| US20040158723A1 | 0.364 | Methods for providing high-integrity enrollments into biometric authentication databases | APPLICATION | 2004-08-12 | 2003-02-06 | 32823785 | Good | ||
| US20100076966A1 | 0.363 | SYSTEMS AND METHODS FOR GENERATING SOCIAL INDEX SCORES FOR KEY TERM ANALYSIS AND COMPARISONS | APPLICATION | 2010-03-25 | 2008-09-21 | 42038680 | Good | Vitrue Inc | Oracle International Corp |
| US20130295881A1 | 0.363 | MANAGEMENT OF ACCESS TO SERVICE IN AN ACCESS POINT | APPLICATION | 2013-11-07 | 2009-10-15 | 43880287 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US9548050B2 | 0.363 | Intelligent automated assistant | GRANT | 2017-01-17 | 2010-01-18 | 44304930 | Good | Apple Inc | Apple Inc |
| US20110119169A1 | 0.363 | Computer-Based System and Method for Automating the Settlement of Debts | APPLICATION | 2011-05-19 | 2009-11-13 | 44012037 | Good | ||
| US7653613B1 | 0.363 | Method and apparatus for facilitating simultaneous modifications to financial-data by multiple users | GRANT | 2010-01-26 | 2007-01-31 | 41559851 | Good | Intuit Inc | Intuit Inc |
| US6592044B1 | 0.362 | Anonymous electronic card for generating personal coupons useful in commercial and security transactions | GRANT | 2003-07-15 | 2000-05-15 | 24284710 | Good | PrivaSys Inc | PrivaSys Inc |
| US8595101B1 | 0.362 | Systems and methods for managing consumer accounts using data migration | GRANT | 2013-11-26 | 2008-09-08 | 49596742 | Good | Exerian Information Solutions Inc | Experian Information Solutions LLC, Exerian Information Solutions Inc |
| US20080208726A1 | 0.362 | Method and system for securing credit accounts | APPLICATION | 2008-08-28 | 2005-09-02 | 39717008 | Good | Intersections Inc | Intersections Inc |
| US20040066278A1 | 0.362 | Challenged-based tag authentication medel | APPLICATION | 2004-04-08 | 2002-10-04 | 32042039 | Good | Battelle Memorial Institute Inc | Battelle Memorial Institute Inc |
| US9002713B2 | 0.361 | System and method for speech personalization by need | GRANT | 2015-04-07 | 2009-06-09 | 43301372 | Good | AT&T Intellectual Property I LP | Nuance Communications Inc |
| US6766327B2 | 0.361 | Data linking system and method using encoded links | GRANT | 2004-07-20 | 1997-07-29 | 31187921 | Good | Acxiom Corp | Liveramp Inc |
| US20020133365A1 | 0.361 | System and method for aggregating reputational information | APPLICATION | 2002-09-19 | 2001-03-19 | 25208755 | Good | International Business Machines Corp | International Business Machines Corp |
| US6094643A | 0.361 | System for detecting counterfeit financial card fraud | GRANT | 2000-07-25 | 1996-06-14 | 23015787 | Good | Card Alert Services Inc | Fair Isaac Corp |
| US20010034618A1 | 0.361 | Healthcare payment and compliance system | APPLICATION | 2001-10-25 | 2000-02-24 | 22678250 | Good | Sterling Medical Services LLC | Sterling Medical Services LLC |
| US20020017557A1 | 0.361 | System for automatic connection to a network | APPLICATION | 2002-02-14 | 1999-02-18 | 46277605 | Good | ||
| US8131846B1 | 0.360 | Global location-aware computer security | GRANT | 2012-03-06 | 2009-07-06 | 45758031 | Good | Symantec Corp | CAI Software LLC |
| US20090125972A1 | 0.360 | FEDERATED SINGLE SIGN-ON (F-SSO) REQUEST PROCESSING USING A TRUST CHAIN HAVING A CUSTOM MODULE | APPLICATION | 2009-05-14 | 2007-11-14 | 40625007 | Good | International Business Machines Corp | International Business Machines Corp |
| US7181427B1 | 0.360 | Automated credit application system | GRANT | 2007-02-20 | 1995-09-12 | 32718273 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA, DealerTrack Inc |
| US20030065563A1 | 0.360 | Method and apparatus for atm-based cross-selling of products and services | APPLICATION | 2003-04-03 | 1999-12-01 | 27538774 | Good | Efunds Corp | Efunds Corp |
| US20040253988A1 | 0.360 | Cellular telephone having data card reader and method for dialing responsively | APPLICATION | 2004-12-16 | 2003-06-16 | 33511543 | Good | ||
| US20080052349A1 | 0.359 | Methods and System for Aggregating Disparate Batches of Digital Media Files Captured During an Event for the Purpose of Inclusion into Public Collections for Sharing | APPLICATION | 2008-02-28 | 2006-08-27 | 39197928 | Good | ||
| US20080040176A1 | 0.359 | Online Protection Plan Supplemental Services | APPLICATION | 2008-02-14 | 2006-07-31 | 39051965 | Good | MONTAGE Inc | MONTAGE Inc |
| US20090313562A1 | 0.359 | OUTAGE MANAGEMENT PORTAL LEVERAGING BACK-END RESOURCES TO CREATE A ROLE AND USER TAILORED FRONT-END INTERFACE FOR COORDINATING OUTAGE RESPONSES | APPLICATION | 2009-12-17 | 2008-06-11 | 41415901 | Good | International Business Machines Corp | Daedalus Blue LLC |
| US20060184410A1 | 0.359 | SYSTEM AND METHOD FOR CAPTURE OF USER ACTIONS AND USE OF CAPTURE DATA IN BUSINESS PROCESSES | APPLICATION | 2006-08-17 | 2003-12-30 | 36816767 | Good | MEASURELIVE Inc | QLIP MEDIA Inc |
| US8229393B2 | 0.359 | Private cellular system with auto-registration functionality | GRANT | 2012-07-24 | 2009-06-26 | 43381286 | Good | Altobridge Ltd | Altobridge Ltd, Commscope Connectivity LLC |
| US7155508B2 | 0.359 | Target information generation and ad server | GRANT | 2006-12-26 | 2000-09-01 | 25248092 | Good | Yodlee com Inc | Yodlee com Inc |
| US20030105742A1 | 0.358 | Method and system for grouping entries in a directory server by group memberships defined by roles | APPLICATION | 2003-06-05 | 2001-05-29 | 25350467 | Good | Sun Microsystems Inc | Oracle America Inc |
| US20030212618A1 | 0.358 | Systems and methods associated with targeted leading indicators | APPLICATION | 2003-11-13 | 2002-05-07 | 29399066 | Good | General Electric Capital Corp | General Electric Co |
| US20080133273A1 | 0.358 | System and method for sharing medical information | APPLICATION | 2008-06-05 | 2006-12-04 | 39476922 | Good | WebMD Inc | WebMD Inc |
| US8725613B1 | 0.358 | Systems and methods for early account score and notification | GRANT | 2014-05-13 | 2010-04-27 | 50635740 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US8255868B1 | 0.358 | Method and system for providing setup assistance for computing system implemented applications | GRANT | 2012-08-28 | 2007-09-11 | 46689938 | Good | Intuit Inc | Intuit Inc |
| US20080183585A1 | 0.358 | APPARATUS AND METHODS FOR PROVIDING CAREER EMPLOYMENT SERVICES | APPLICATION | 2008-07-31 | 2002-03-19 | 28040047 | Good | CAREER DESTINATION DEVELOPMENT LLC | CAREER DESTINATION DEVELOPMENT LLC |
| US7013323B1 | 0.358 | System and method for developing and interpreting e-commerce metrics by utilizing a list of rules wherein each rule contain at least one of entity-specific criteria | GRANT | 2006-03-14 | 2000-05-23 | 35998909 | Good | Cyveillance Inc | Zerofox Inc |
| US7555459B2 | 0.357 | Automated loan processing system and method | GRANT | 2009-06-30 | 2000-10-02 | 22892585 | Good | International Projects Consultancy Services Inc | International Projects Consultancy Services Inc |
| US5774883A | 0.357 | Method for selecting a seller's most profitable financing program | GRANT | 1998-06-30 | 1995-05-25 | 23786861 | Good | AUTO DATA Inc | AUTO DATA Inc |
| US6792088B2 | 0.357 | Telephone device capable of preventing unauthorized transmission when sending messages | GRANT | 2004-09-14 | 2001-12-28 | 19189517 | Good | NEC Corp | Lenovo Innovations Ltd Hong Kong |
| US20090254757A1 | 0.357 | OPERATOR RECOGNITION DEVICE OPERATOR RECOGNITION METHOD AND OPERATOR RECOGNITION PROGRAM | APPLICATION | 2009-10-08 | 2005-03-31 | 37086801 | Good | Pioneer Corp, Tech Experts Inc | Pioneer Corp, Tech Experts Inc |
| US20040128215A1 | 0.357 | System and method for accessing geographic-based data | APPLICATION | 2004-07-01 | 2000-10-23 | 34273474 | Good | Costar Group Inc | Costar Realty Information Inc |
| US20110313915A1 | 0.357 | COLLECTING AND SHARING REVENUE ASSOCIATED WITH PERSONAL DATA ASSETS | APPLICATION | 2011-12-22 | 2008-08-11 | 45329529 | Good | Abbyy Software Ltd | Abbyy Production LLC |
| US20120136763A1 | 0.356 | USING COMMERCIAL SHARE OF WALLET IN PRIVATE EQUITY INVESTMENTS | APPLICATION | 2012-05-31 | 2005-10-24 | 39763582 | Good | Experian Marketing Solutions Inc | Experian Marketing Solutions Inc |
| US20030078897A1 | 0.356 | System and method for collection distribution and use of information in connection with commercial real estate | APPLICATION | 2003-04-24 | 2000-10-23 | 27406381 | Good | Costar Group Inc | Costar Realty Information Inc |
| US8800059B2 | 0.356 | System and method for processing and protecting content | GRANT | 2014-08-05 | 1999-03-19 | 31999900 | Good | Broadcom Corp | Avago Technologies International Sales Pte Ltd |
| US6750985B2 | 0.356 | Digital watermarks and methods for security documents | GRANT | 2004-06-15 | 1994-03-17 | 22430478 | Good | Digimarc Corp | Digimarc Corp |
| US20030069943A1 | 0.356 | Method and apparatus for user personalized and adaptive business processing modeling and integration | APPLICATION | 2003-04-10 | 2001-10-04 | 25518083 | Good | International Business Machines Corp | International Business Machines Corp |
| US20040167793A1 | 0.356 | Network monitoring method for information system operational risk evaluation method service business performing method and insurance business managing method | APPLICATION | 2004-08-26 | 2003-02-26 | 32866600 | Good | Hitachi Ltd | Hitachi Ltd |
| WO2001080053A2 | 0.355 | METHOD AND SYSTEM FOR INTERFACING CLIENTS WITH RELATIONSHIP MANAGEMENT (RM) ACCOUNTS AND FOR PERMISSIONING MARKETING | APPLICATION | 2001-10-25 | 2000-04-14 | 22729346 | Good | ||
| US6397197B1 | 0.355 | Apparatus and method for obtaining lowest bid from information product vendors | GRANT | 2002-05-28 | 1998-08-26 | 26793830 | Good | e Lynxx Corp | E-LYNXX Corp, e Lynxx Corp |
| US7895227B1 | 0.355 | System and method for detecting trends in network-based content | GRANT | 2011-02-22 | 2007-04-27 | 43597183 | Good | Intuit Inc | Intuit Inc |
| US20070157107A1 | 0.355 | Sidebar information sharing | APPLICATION | 2007-07-05 | 2006-01-04 | 38226116 | Good | Yahoo Inc | Oath Inc |
| US8256013B1 | 0.355 | Method and apparatus for dynamic creation of persona | GRANT | 2012-08-28 | 2006-12-22 | 46689954 | Good | Symantec Corp | NortonLifeLock Inc |
| US6900731B2 | 0.354 | Method for monitoring and tracking objects | GRANT | 2005-05-31 | 2002-10-30 | 32174622 | Good | BellSouth Intellectual Property Corp | AT&T Delaware Intellectual Property Inc |
| US7133852B2 | 0.354 | Electricity generation equipment management system | GRANT | 2006-11-07 | 2000-10-13 | 18792681 | Good | Kurita Water Industries Ltd | Kurita Water Industries Ltd |
| US20060095363A1 | 0.354 | Systems and methods for performing two-way one-to-many and many-to-many auctions for financial instruments | APPLICATION | 2006-05-04 | 1997-10-14 | 22042311 | Good | Blackbird Holdings Inc | GFInet Inc |
| US20090089205A1 | 0.354 | AUTOMATED QUALIFYING OF A CUSTOMER TO RECEIVE A CASH LOAN AT AN AUTOMATED TELLER MACHINE | APPLICATION | 2009-04-02 | 2007-09-29 | 40509476 | Good | ||
| US20070061432A1 | 0.354 | System and/or method relating to managing a network | APPLICATION | 2007-03-15 | 2005-09-09 | 37856599 | Good | NetApp Inc, US Department of Army | NetApp Inc, US Department of Army |
| US8353029B2 | 0.354 | On demand protection against web resources associated with undesirable activities | GRANT | 2013-01-08 | 2005-11-10 | 38054934 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20040047459A1 | 0.353 | Online method and apparatus for the interactive creation of custom prepaid virtual calling cards | APPLICATION | 2004-03-11 | 2002-09-06 | 31977697 | Good | ||
| US8019690B2 | 0.353 | Method and system for transacting an anonymous purchase over the internet | GRANT | 2011-09-13 | 1999-07-29 | 23430481 | Good | PrivaCash Inc | PrivaCash Inc |
| US7840484B2 | 0.353 | Credit score and scorecard development | GRANT | 2010-11-23 | 2004-10-29 | 46322209 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US10055264B2 | 0.353 | Reception according to a data transfer protocol of data directed to any of a plurality of destination entities | GRANT | 2018-08-21 | 2005-06-15 | 36975390 | Good | Solarflare Communications Inc | Xilinx Inc |
| US20120005542A1 | 0.353 | LOG COLLECTION STRUCTURING AND PROCESSING | APPLICATION | 2012-01-05 | 2010-07-01 | 45400682 | Good | LogRhythm Inc | LogRhythm Inc |
| US20100169159A1 | 0.353 | Media for Service and Marketing | APPLICATION | 2010-07-01 | 2008-12-30 | 42286032 | Good | SAP SE | SAP SE |
| US7039607B2 | 0.353 | System for evaluating a company's customer equity | GRANT | 2006-05-02 | 2001-04-26 | 18978605 | Good | Dentsu Tec Inc | Dentsu Tec Inc |
| US8024778B2 | 0.353 | System and method for defining attributes decision rules or both for remote execution claim set I | GRANT | 2011-09-20 | 2005-05-24 | 37568731 | Good | CRIF Corp | CRIF Corp |
| US6983320B1 | 0.352 | System method and computer program product for analyzing e-commerce competition of an entity by utilizing predetermined entity-specific metrics and analyzed statistics from web pages | GRANT | 2006-01-03 | 2000-05-23 | 35509151 | Good | Cyveillance Inc | Zerofox Inc |
| US8006261B1 | 0.352 | System and method for personalized message creation and delivery | GRANT | 2011-08-23 | 2000-04-07 | 24174532 | Good | Visible World LLC | Tivo Corp |
| WO2001084281A2 | 0.352 | CARD MANAGEMENT SYSTEM AND METHOD THEREFORE | APPLICATION | 2001-11-08 | 2000-05-04 | 22748138 | Good | ||
| US20070162458A1 | 0.352 | Method and apparatus for collecting and storing information about individuals in a social network | APPLICATION | 2007-07-12 | 2006-01-10 | 38233918 | Good | FASCIANO MARISA | STAY AWAKE Inc D/B/A KARMA411 |
| US20090055404A1 | 0.352 | SYSTEM AND METHOD FOR ONLINE PROFILE MANAGEMENT | APPLICATION | 2009-02-26 | 2007-08-13 | 40383124 | Good | VisualCV Inc | VisualCV Inc |
| US20030177091A1 | 0.352 | Emerging market banking system | APPLICATION | 2003-09-18 | 2002-03-12 | 28038962 | Good | ||
| US7664699B1 | 0.352 | Automatic generation of temporary credit card information | GRANT | 2010-02-16 | 2005-12-21 | 41665884 | Good | Symantec Corp | NortonLifeLock Inc |
| US20030009426A1 | 0.352 | Methods and apparatus for protecting against credit card fraud check fraud and identity theft | APPLICATION | 2003-01-09 | 2001-04-19 | 26823784 | Good | ||
| US8224974B1 | 0.351 | Method and apparatus for downloading information | GRANT | 2012-07-17 | 2007-01-29 | 46465596 | Good | Intuit Inc | Intuit Inc |
| US20020198822A1 | 0.351 | Method and apparatus for evaluating an application for a financial product | APPLICATION | 2002-12-26 | 2001-06-21 | 25390079 | Good | General Electric Capital Corp | General Electric Co |
| US7814004B2 | 0.351 | Method and apparatus for development and use of a credit score based on spend capacity | GRANT | 2010-10-12 | 2004-10-29 | 46322207 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20100312691A1 | 0.351 | Loan Quotation System and Method | APPLICATION | 2010-12-09 | 2009-05-12 | 43301435 | Good | Timothy E Gribben Commissioner For Bureau Of Fiscal Service Agency Of United States Department Of Treasury And Successors And Assigns Thereto | Andrei Iancu Under Secretary Of Commerce For Intellectual Property And Director Of United States Patent And Trademark Office And Successors Thereto, Ashley Moody Florida Office Of Attorney General And Successors Thereto, HEUER, JOAN D., Jeanette Nunez Lieutenant Governor Of Florida And Successors Thereto, Laurel M Lee Florida Secretary Of State And Successors Thereto, Steven Mnuchin United States Secretary Of Treasury And Successors Thereto, Timothy E Gribben Commissioner For Bureau Of Fiscal Service Agency Of United States Department Of Treasury And Successors And Assigns Thereto, Andrei Iancu Under Secretary Of Commerce For Intellectual Property And Director Of United States Patent And Trademark Office And Successors Thereto, Ashley Moody Florida Office Of Attorney General And Successors Thereto, HEUER, JOAN D., Jeanette Nunez Lieutenant Governor Of Florida And Successors Thereto, Laurel M Lee Florida Secretary Of State And Successors Thereto, Steven Mnuchin United States Secretary O |
| US20110307434A1 | 0.351 | Method for detecting suspicious individuals in a friend list | APPLICATION | 2011-12-15 | 2010-06-11 | 45097044 | Good | SOCIALSHIELD Inc | Avira Holding & Co KG GmbH |
| US5774870A | 0.350 | Fully integrated on-line interactive frequency and award redemption program | GRANT | 1998-06-30 | 1995-12-14 | 24285997 | Good | Netcentives Inc | Affinion Net Patents Inc |
| US7912770B2 | 0.350 | Method and apparatus for consumer interaction based on spend capacity | GRANT | 2011-03-22 | 2004-10-29 | 40336414 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US7594019B2 | 0.350 | System and method for adult approval URL pre-screening | GRANT | 2009-09-22 | 2003-11-12 | 34552690 | Good | Intel Corp | Intel Corp |
| US20040236678A1 | 0.350 | Better register | APPLICATION | 2004-11-25 | 2003-05-24 | 33457436 | Good | ||
| US20030043984A1 | 0.350 | Prepaid telephone service with automatic number identification recognition | APPLICATION | 2003-03-06 | 2001-07-12 | 26890175 | Good | TeleCents Communications Inc | TeleCents Communications Inc |
| US20070032240A1 | 0.350 | Realtime interactive and geographically defined computerized personal matching systems and methods | APPLICATION | 2007-02-08 | 2005-08-03 | 37718247 | Good | Resight LLC | Resight LLC |
| US9031221B2 | 0.350 | System and method for automated voice quality testing | GRANT | 2015-05-12 | 2009-12-22 | 50475332 | Good | Cyara Solutions Pty Ltd | Cyara Solutions Pty Ltd |
| US20050288998A1 | 0.350 | Managing customer entitlements to rewards from multiple entitlement programs | APPLICATION | 2005-12-29 | 2004-06-25 | 35507221 | Good | SAP SE | SAP SE |
| US20070124256A1 | 0.349 | Comprehensive Identity Protection System | APPLICATION | 2007-05-31 | 2005-06-02 | 37482375 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20140164398A1 | 0.349 | SOCIAL MEDIA CONTRIBUTOR WEIGHT | APPLICATION | 2014-06-12 | 2010-05-19 | 50072268 | Good | Adobe Systems Inc | Adobe Inc |
| US5956693A | 0.349 | Computer system for merchant communication to customers | GRANT | 1999-09-21 | 1996-07-19 | 24746973 | Good | VERBIND Inc | SAS Institute Inc |
| US20040122697A1 | 0.349 | Systems and methods for providing insurance and non-insurance products | APPLICATION | 2004-06-24 | 2002-09-20 | 32030776 | Good | Fortis Inc | Assurant Inc |
| US20090249451A1 | 0.349 | Access to Trusted User-Generated Content Using Social Networks | APPLICATION | 2009-10-01 | 2008-03-31 | 41119198 | Good | Yahoo Inc | R2 Solutions LLC, Altaba Inc |
| US20050050027A1 | 0.349 | Determining and/or using location information in an ad system | APPLICATION | 2005-03-03 | 2003-09-03 | 34218054 | Good | Google LLC | Google LLC |
| US20070266439A1 | 0.348 | PRIVACY MANAGEMENT AND TRANSACTION SYSTEM | APPLICATION | 2007-11-15 | 2005-11-30 | 38686591 | Good | MYPUBLICINFO Inc | MYPUBLICINFO Inc |
| US8543498B2 | 0.348 | Method and system for designating and tracking feature sets for individual accounts | GRANT | 2013-09-24 | 2005-09-19 | 37895321 | Good | Aurora Financial Systems Inc | AURORA FINANCIAL SYSTEMS HOLDINGS Inc, RBA International Inc |
| US8505826B2 | 0.348 | Anti-interrogation for portable device | GRANT | 2013-08-13 | 2007-04-16 | 39855010 | Good | Visa USA Inc | Visa USA Inc |
| US6665715B1 | 0.348 | Method and systems for locating geographical locations of online users | GRANT | 2003-12-16 | 2000-04-03 | 29712419 | Good | Microsoft Corp | INFOSPLIT ACQUISITION LLC, Microsoft Technology Licensing LLC |
| US6067565A | 0.348 | Technique for prefetching a web page of potential future interest in lieu of continuing a current information download | GRANT | 2000-05-23 | 1998-01-15 | 21728685 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20080140476A1 | 0.347 | Smart advertisement generating system | APPLICATION | 2008-06-12 | 2006-12-12 | 39499374 | Good | Yahoo Inc | Oath Inc |
| US20100023448A1 | 0.347 | Online Loan Application System Using Borrower Profile Information | APPLICATION | 2010-01-28 | 2007-04-16 | 41569507 | Good | Tamiras Per Pte Ltd LLC | Tamiras Per Pte Ltd LLC |
| US8386377B1 | 0.347 | System and method for credit scoring using an identity network connectivity | GRANT | 2013-02-26 | 2003-05-12 | 47721311 | Good | ID Analytics LLC | Altiris Inc |
| US5963939A | 0.347 | Method and apparatus for an incremental editor technology | GRANT | 1999-10-05 | 1997-09-30 | 25477066 | Good | Compaq Computer Corp | Hewlett Packard Development Co LP |
| US8548903B2 | 0.346 | Systems and methods for minimizing effects of authorized user credit tradelines | GRANT | 2013-10-01 | 2007-10-23 | 40564439 | Good | Trans Union LLC | Trans Union LLC |
| US6099319A | 0.346 | Neuroimaging as a marketing tool | GRANT | 2000-08-08 | 1998-02-24 | 46255251 | Good | Nielsen Co US LLC | Nielsen Co US LLC |
| US20040148200A1 | 0.346 | Method for offering insurance protection for a consumer item as an inducement for opening a credit card account | APPLICATION | 2004-07-29 | 2003-01-24 | 32735470 | Good | Trilegiant Corp | Trilegiant Corp |
| US20070152068A1 | 0.346 | Data communicating apparatus and method for managing memory of data communicating apparatus | APPLICATION | 2007-07-05 | 2004-01-06 | 34746983 | Good | Sony Corp | Sony Corp |
| US5924082A | 0.345 | Negotiated matching system | GRANT | 1999-07-13 | 1994-08-17 | 10760013 | Good | Geneva Branch of Reuters Transaction Services Ltd | Geneva Branch of Reuters Transaction Services Ltd |
| US20070043577A1 | 0.345 | Apparatus and method of enabling a victim of identity theft to resolve and prevent fraud | APPLICATION | 2007-02-22 | 2005-08-16 | 37768285 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20040030649A1 | 0.345 | System and method of application processing | APPLICATION | 2004-02-12 | 2002-05-06 | 29424530 | Good | Zoot Enterprises Inc | Zoot Enterprises Inc |
| US20120290660A1 | 0.345 | SOCIAL MEDIA SYSTEM WITH MULTIPLE PROFILES | APPLICATION | 2012-11-15 | 1996-12-16 | 46328240 | Good | IP Holdings Inc | IP Holdings Inc |
| US20150073929A1 | 0.344 | TRANSACTION FACILITATING MARKETPLACE PLATFORM | APPLICATION | 2015-03-12 | 2007-11-14 | 52626482 | Good | Panjiva Inc | Panjiva Inc |
| US6871789B2 | 0.344 | Document printed with graphical symbols which encode information | GRANT | 2005-03-29 | 2001-02-09 | 27516006 | Good | Enseal Systems Ltd | FISERV CIR Inc |
| US20060047605A1 | 0.344 | Privacy management method and apparatus | APPLICATION | 2006-03-02 | 2004-08-27 | 35944591 | Good | Trustedid Inc | Trustedid Inc |
| US20020120757A1 | 0.344 | Controlled access system for online communities | APPLICATION | 2002-08-29 | 2001-02-09 | 4168307 | Good | Siberra Corp, OPENGRAPHICS Corp | OPENGRAPHICS Corp |
| US20070032225A1 | 0.344 | Realtime location-based cell phone enhancements uses and applications | APPLICATION | 2007-02-08 | 2005-08-03 | 46325993 | Good | Resight LLC | Resight LLC |
| US20130185782A1 | 0.344 | SYSTEMS AND METHODS FOR DUAL READER EMULATION | APPLICATION | 2013-07-18 | 2005-03-08 | 36953897 | Good | XceedId Corp | XceedId Corp |
| US20050283415A1 | 0.343 | System and method for displaying market data including last trade data | APPLICATION | 2005-12-22 | 2004-06-22 | 35481787 | Good | Chicago Mercantile Exchange Inc | CME Group Inc |
| US7853998B2 | 0.343 | Firewall propagation | GRANT | 2010-12-14 | 2007-03-22 | 39776053 | Good | Mocana Corp | Mocana Corp |
| WO2005010683A2 | 0.343 | INTERACTIVE ONLINE RESEARCH SYSTEM AND METHOD | APPLICATION | 2005-02-03 | 2003-07-15 | 34103156 | Good | ||
| US7739707B2 | 0.343 | Parental controls using view limits | GRANT | 2010-06-15 | 2001-11-20 | 26971938 | Good | Starz Entertainment LLC | Starz Entertainment LLC |
| US5208446A | 0.343 | Method and apparatus for validating credit information during home delivery of order | GRANT | 1993-05-04 | 1991-09-19 | 27169380 | Good | Nissle Tod R | BOATWRIGHT DOYLE W, EPERT JOHN E, HENRY W MARTINEZ |
| US6298348B1 | 0.343 | Consumer profiling system | GRANT | 2001-10-02 | 1998-12-03 | 46256328 | Good | Expanse Networks Inc | Prime Research Alliance E Inc |
| US20060248525A1 | 0.343 | System and method for detecting peer-to-peer network software | APPLICATION | 2006-11-02 | 2005-04-12 | 37087674 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US7870078B2 | 0.343 | System method and computer program product for assessing risk of identity theft | GRANT | 2011-01-11 | 2002-11-01 | 32775811 | Good | ID Insight Inc | ID Insight Inc |
| US20110029388A1 | 0.343 | Social Advertisements and Other Informational Messages on a Social Networking Website and Advertising Model for Same | APPLICATION | 2011-02-03 | 2007-11-05 | 40589145 | Good | ||
| US20120047219A1 | 0.342 | Systems and Methods for Social Media Data Mining | APPLICATION | 2012-02-23 | 2010-08-18 | 45594913 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| WO2000011574A2 | 0.342 | SYSTEM AND METHOD FOR UPDATING A CREDIT INFORMATION DATABASE | APPLICATION | 2000-03-02 | 1998-08-20 | 26793126 | Good | ||
| US20080148368A1 | 0.342 | SECURE EXTRANET ACCESS TO COLLABORATIVE ACTIVITIES IN A COLLABORATIVE COMPUTING ENVIRONMENT | APPLICATION | 2008-06-19 | 2006-12-14 | 39273331 | Good | International Business Machines Corp | International Business Machines Corp |
| US7647274B2 | 0.342 | System and method for matching loan consumers and lenders | GRANT | 2010-01-12 | 2004-02-20 | 46326942 | Good | Horizon Digital Finance LLC | Horizon Digital Finance LLC |
| US7987124B1 | 0.342 | Method of and system for evaluating an appraisal value associated with a loan | GRANT | 2011-07-26 | 2004-08-20 | 44280181 | Good | Fannie Mae Inc | Fannie Mae Inc |
| US6233566B1 | 0.342 | System method and computer program product for online financial products trading | GRANT | 2001-05-15 | 1998-12-31 | 26812354 | Good | Ultraprise Corp | GHR Systems Inc |
| US8099341B2 | 0.342 | System and method for recreating tax documents | GRANT | 2012-01-17 | 2006-01-31 | 37525212 | Good | OREM Financial Services Inc | OREM Financial Services Inc |
| US6615243B1 | 0.342 | System and method for programming and transmitting macros for controlling audio/video devices | GRANT | 2003-09-02 | 1999-04-01 | 27765892 | Good | Thomson Licensing SAS | Thomson Licensing SAS |
| US20060043201A1 | 0.341 | Apparatus system method and computer program product for implementing an automatic identification system with a personal communication system to improve functionality | APPLICATION | 2006-03-02 | 2003-02-20 | 32868035 | Good | Nokia Oyj | Provenance Asset Group LLC, Nokia USA Inc |
| US6694353B2 | 0.341 | Method and system for automatically updating electronic mail address information within an electronic mail address database | GRANT | 2004-02-17 | 2001-03-28 | 25225730 | Good | Good Contacts com | Good Contacts com, MyLife com Inc |
| US20040098546A1 | 0.341 | System and method for synchronizing related data elements in disparate storage systems | APPLICATION | 2004-05-20 | 2000-10-25 | 28792435 | Good | ||
| US6567791B2 | 0.341 | Method and apparatus for a verifiable on line rejection of an application for credit | GRANT | 2003-05-20 | 1998-11-03 | 22682795 | Good | NextCard Inc | NEXTCARD A TEXAS LLC LLC |
| US20070214000A1 | 0.341 | GLOBAL CUSTOMER SATISFACTION SYSTEM | APPLICATION | 2007-09-13 | 2006-03-02 | 38480058 | Good | Global Customer Satisfaction System LLC | Global Customer Satisfaction System LLC |
| US20040215673A1 | 0.341 | Storage sub-system and management program | APPLICATION | 2004-10-28 | 2003-04-25 | 33296548 | Good | Hitachi Ltd | Hitachi Ltd |
| US8001235B2 | 0.341 | System for managing patient medical data derived from a plurality of medical devices | GRANT | 2011-08-16 | 2005-04-22 | 36794835 | Good | Draeger Medical Systems Inc | Draeger Medical Systems Inc |
| US6546413B1 | 0.341 | Access-method-independent exchange using a communication primitive | GRANT | 2003-04-08 | 1994-12-12 | 23391089 | Good | Cappelle Networking DE LLC | Cappelle Networking DE LLC |
| US20080148392A1 | 0.341 | METHOD AND APPARATUS FOR STORING RETRIEVING AND VIEWING PERSONAL PASSCODES | APPLICATION | 2008-06-19 | 2006-12-13 | 39529273 | Good | Motorola Solutions Inc | Motorola Solutions Inc |
| US6161133A | 0.341 | Method and apparatus for configuration of an internet appliance | GRANT | 2000-12-12 | 1998-10-19 | 22642001 | Good | Lexton Systems Inc | Rovi Technologies Corp, Lexton Systems Inc |
| WO1995020298A1 | 0.341 | METHOD FOR TRANSMITTING TARIFF DATA TO A SUBSCRIBER UNIT | APPLICATION | 1995-07-27 | 1994-01-24 | 8539673 | Good | ||
| US5844218A | 0.340 | Method and system for using an application programmable smart card for financial transactions in multiple countries | GRANT | 1998-12-01 | 1996-07-16 | 24745423 | Good | Transaction Technology Inc | Transaction Technology Inc, Citicorp Credit Services Inc USA |
| US20030028477A1 | 0.340 | Automated method and system for consumer financial counseling | APPLICATION | 2003-02-06 | 2001-07-31 | 26900139 | Good | Accredited Bankruptcy Services Inc | Accredited Bankruptcy Services Inc |
| US9037451B2 | 0.340 | Systems and methods for multiple mode voice and data communications using intelligently bridged TDM and packet buses and methods for implementing language capabilities using the same | GRANT | 2015-05-19 | 1998-09-25 | 38576525 | Good | RPX Corp | RPX Corp |
| US7689506B2 | 0.340 | System and method for rapid updating of credit information | GRANT | 2010-03-30 | 2001-06-07 | 23140751 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA, Chase Bank USA NA |
| US20110125632A1 | 0.339 | Consumer Direct Loan Qualification System And Method For Submitting Loan Applications | APPLICATION | 2011-05-26 | 2009-11-23 | 44062794 | Good | MORTGAGESOFT CORP | MORTGAGESOFT CORP |
| US20090217342A1 | 0.339 | Parental Control for Social Networking | APPLICATION | 2009-08-27 | 2008-02-25 | 40999690 | Good | International Business Machines Corp | International Business Machines Corp |
| US20090177529A1 | 0.339 | Internet eco system for transacting information and transactional data for compensation | APPLICATION | 2009-07-09 | 2007-12-31 | 40845320 | Good | ||
| US8065175B1 | 0.339 | System and method for relational scheduling of people and/or resources | GRANT | 2011-11-22 | 2007-01-30 | 44936874 | Good | Intuit Inc | Intuit Inc |
| US20100042542A1 | 0.339 | SYSTEM AND METHOD FOR RETAIL ON-LINE ACCOUNT OPENING | APPLICATION | 2010-02-18 | 2008-08-12 | 41681933 | Good | Branch Banking and Trust Co | Truist Bank |
| US20100197224A1 | 0.338 | NEAR FIELD CONNECTION ESTABLISHMENT | APPLICATION | 2010-08-05 | 2006-09-20 | 39200216 | Good | Nokia Oyj | Nokia Technologies Oy |
| US7707122B2 | 0.338 | System and method of information filtering using measures of affinity of a relationship | GRANT | 2010-04-27 | 2004-01-29 | 34812089 | Good | Yahoo Inc | Altaba Inc, Slack Technologies Inc |
| US20070250459A1 | 0.338 | Method and system for conducting background investigations | APPLICATION | 2007-10-25 | 2006-03-07 | 38620654 | Good | Intersections Inc | Intersections Inc |
| US20060155639A1 | 0.338 | System and method for automated process of deal structuring | APPLICATION | 2006-07-13 | 2000-06-03 | 36654421 | Good | ||
| US6823319B1 | 0.337 | System and method for automated process of deal structuring | GRANT | 2004-11-23 | 1999-07-19 | 33434725 | Good | Home American Credit Inc | HOME AMERICAN CREDIT Inc D/B/A UPLAND MORTGATE, Home American Credit Inc |
| US20060287767A1 | 0.337 | Privacy Information Reporting Systems with Refined Information Presentation Model | APPLICATION | 2006-12-21 | 2005-06-20 | 37595747 | Good | MYPUBLICINFO Inc | MYPUBLICINFO Inc |
| US20080140507A1 | 0.337 | Identifying industry segments with highest potential for new customers or new spending for current customers | APPLICATION | 2008-06-12 | 2006-12-12 | 39499396 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US8732813B2 | 0.336 | Method and system for securing data from an external network to a non point of sale device | GRANT | 2014-05-20 | 2008-11-05 | 42133097 | Good | Apriva LLC | Apriva LLC |
| US20090204514A1 | 0.336 | Systems Methods and Media for Managing Shared Inventory in a Virtual Universe | APPLICATION | 2009-08-13 | 2008-02-11 | 40939711 | Good | International Business Machines Corp | International Business Machines Corp |
| US20110302055A1 | 0.336 | SYSTEM AND METHOD FOR AN INTERNET BASED CHARITABLE EVENT | APPLICATION | 2011-12-08 | 2010-06-03 | 45065225 | Good | ||
| US20070016500A1 | 0.336 | Using commercial share of wallet to determine insurance risk | APPLICATION | 2007-01-18 | 2004-10-29 | 46325360 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20100023434A1 | 0.335 | Automated Credit/Debt Management Counsel By Isaiah Bond | APPLICATION | 2010-01-28 | 2008-07-27 | 41569501 | Good | ||
| US20080154758A1 | 0.335 | Systems and methods for maintaining credit information about an entity | APPLICATION | 2008-06-26 | 2006-12-21 | 39544275 | Good | SAP SE | SAP SE |
| US20050023359A1 | 0.335 | System and method for manufacturing a punch-out RFID transaction device | APPLICATION | 2005-02-03 | 2001-07-10 | 34109311 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US20080041943A1 | 0.335 | METHOD AND SYSTEM FOR CONTROLLING ACCESS TO AN ENCLOSED AREA | APPLICATION | 2008-02-21 | 2006-08-16 | 39100456 | Good | Isonas Security Systems Inc | Isonas Security Systems Inc, Isonas Inc |
| US20130031109A1 | 0.335 | METHOD SYSTEM AND COMPUTER PROGRAM PRODUCT FOR LINKING CUSTOMER INFORMATION | APPLICATION | 2013-01-31 | 2005-09-30 | 38369821 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US20070168462A1 | 0.335 | ONLINE PRODUCTION AND MEDIA COORDINATION PORTAL/SYSTEM FOR TELEPHONE RINGBACK MESSAGES AND DIGITAL MEDIA CONTENT | APPLICATION | 2007-07-19 | 2006-01-18 | 38288398 | Good | ||
| US5749075A | 0.335 | Method for providing prepaid internet access and/or long distance calling including the distribution of specialized calling cards | GRANT | 1998-05-05 | 1995-06-06 | 46251738 | Good | Interactive Media Works LLC | INTERACTIVE MEDIA WORKS Inc A TEXAS Corp |
| US7730078B2 | 0.334 | Role based internet access and individualized role based systems to view biometric information | GRANT | 2010-06-01 | 2006-09-28 | 39262220 | Good | Honeywell Hommed LLC | Honeywell Hommed LLC |
| US7571138B2 | 0.334 | Method system and program for credit risk management utilizing credit limits | GRANT | 2009-08-04 | 2003-09-16 | 34381071 | Good | Rome Corp | TRIPLE POINT TECHNOLOGY Inc |
| US7841008B1 | 0.334 | Threat personalization | GRANT | 2010-11-23 | 2006-03-31 | 43087418 | Good | Symantec Corp | NortonLifeLock Inc |
| US8966610B2 | 0.334 | Method and system for securing data from a non-point of sale device over an external network | GRANT | 2015-02-24 | 2008-11-05 | 42133098 | Good | Apriva LLC | Apriva LLC |
| US7788152B2 | 0.334 | Method and apparatus for estimating the spend capacity of consumers | GRANT | 2010-08-31 | 2004-10-29 | 37188214 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US5940812A | 0.334 | Apparatus and method for automatically matching a best available loan to a potential borrower via global telecommunications network | GRANT | 1999-08-17 | 1997-08-19 | 25434589 | Good | LoanMarket Resources LLC | LoanMarket Resources LLC |
| US20110040629A1 | 0.333 | Behavior aggregation | APPLICATION | 2011-02-17 | 2006-12-06 | 40338977 | Good | Apptera Inc | Apptera Inc |
| US8376223B2 | 0.333 | Method and apparatus for securely activating a credit card for a limited period of time | GRANT | 2013-02-19 | 2008-12-23 | 42264574 | Good | ||
| US7562814B1 | 0.332 | System and method for identity-based fraud detection through graph anomaly detection | GRANT | 2009-07-21 | 2003-05-12 | 40872543 | Good | ID Analytics LLC | Altiris Inc |
| US8412593B1 | 0.332 | Credit card matching | GRANT | 2013-04-02 | 2008-10-07 | 47989894 | Good | LowerMyBills com Inc | Lmb Mortgage Services Inc |
| US8560161B1 | 0.332 | System and method for monitoring and predicting vehicle attributes | GRANT | 2013-10-15 | 2008-10-23 | 49321557 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US20060031158A1 | 0.332 | Credit card with incentives tied to credit score | APPLICATION | 2006-02-09 | 2004-08-09 | 35758564 | Good | SUZE ORMAN MEDIA Inc | SUZE ORMAN MEDIA Inc |
| US20050154769A1 | 0.332 | Systems and methods for benchmarking business performance data against aggregated business performance data | APPLICATION | 2005-07-14 | 2004-01-13 | 36565488 | Good | llumen Inc | ILUMEN Inc, llumen Inc |
| US20080066188A1 | 0.331 | Identity verification system | APPLICATION | 2008-03-13 | 2006-08-08 | 39201579 | Good | ||
| US5659731A | 0.331 | Method for rating a match for a given entity found in a list of entities | GRANT | 1997-08-19 | 1995-06-19 | 23953480 | Good | Dun and Bradstreet Inc | NEW DUN & BRADSTREET Corp |
| US20040128150A1 | 0.331 | Methods and structure for collaborative customer account management | APPLICATION | 2004-07-01 | 2002-12-31 | 32655008 | Good | EMPLOYERS REASSURANCE Corp | Employers Reinsurance Corp |
| US6988082B1 | 0.331 | Computerized systems and methods for facilitating the flow of capital through the housing finance industry | GRANT | 2006-01-17 | 2000-06-13 | 35550858 | Good | Fannie Mae Inc | Fannie Mae Inc |
| US7697520B2 | 0.331 | System for identifying the presence of Peer-to-Peer network software applications | GRANT | 2010-04-13 | 2005-04-12 | 37903157 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US20120054592A1 | 0.331 | SEGMENTING FORMS FOR MULTIPLE USER COMPLETION | APPLICATION | 2012-03-01 | 2010-08-31 | 45698780 | Good | Change Healthcare Holdings LLC | Change Healthcare Holdings LLC |
| US20030140062A1 | 0.331 | Card management system and server | APPLICATION | 2003-07-24 | 2002-01-24 | 19191941 | Good | R and B 21 | R and B 21 |
| US7212995B2 | 0.330 | Loan underwriting system and method | GRANT | 2007-05-01 | 2003-06-02 | 33451989 | Good | Transunion LLC | DATAQUICK LENDING SOLUTIONS Inc, MACDONALD DETTWILER INFORMATION TECHNOLOGY SERVICES LLC, MDA LENDING SOLUTIONS Inc, PROPERTY DATA (LUXEMBOURG) SA RL, Transunion LLC |
| US8175889B1 | 0.330 | Systems and methods for tracking changes of address based on service disconnect/connect data | GRANT | 2012-05-08 | 2005-04-06 | 46002158 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US20080235091A1 | 0.330 | Cash in advance incentive and rewards program | APPLICATION | 2008-09-25 | 2007-03-20 | 39775681 | Good | ||
| US7552080B1 | 0.330 | Customized credit offer strategy based on terms specified by an applicant | GRANT | 2009-06-23 | 2001-03-09 | 40765997 | Good | Nextcard LLC | NEXTCARD A TEXAS LLC LLC |
| US20040088540A1 | 0.330 | Community creation between communication devices by identification of member credentials | APPLICATION | 2004-05-06 | 2002-10-30 | 32174694 | Good | Motorola Solutions Inc | Motorola Solutions Inc |
| US20080319861A1 | 0.330 | System and method for advertising on a peer-to-peer network | APPLICATION | 2008-12-25 | 2007-04-12 | 40130414 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US6401118B1 | 0.330 | Method and computer program product for an online monitoring search engine | GRANT | 2002-06-04 | 1998-06-30 | 26783662 | Good | Online Monitoring Services | Zerofox Inc |
| US8774184B2 | 0.329 | Memory and processor efficient network communications protocol | GRANT | 2014-07-08 | 2004-11-09 | 36316254 | Good | Texas Instruments Inc | Texas Instruments Inc |
| US7805348B2 | 0.329 | Systems and methods enabling investment activities via the creation and use of client-specific security files | GRANT | 2010-09-28 | 2006-03-31 | 38560546 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US7979908B2 | 0.328 | Method and system of verifying and authenticating background and consumer records | GRANT | 2011-07-12 | 2005-02-11 | 36816756 | Good | SecureTest Inc | IREVIEWNOW LLC |
| US7686214B1 | 0.328 | System and method for identity-based fraud detection using a plurality of historical identity records | GRANT | 2010-03-30 | 2003-05-12 | 42044497 | Good | ID Analytics LLC | Altiris Inc |
| US6581025B2 | 0.328 | Time and work tracker for wireless devices | GRANT | 2003-06-17 | 1995-04-17 | 46278840 | Good | Discovision Associates | Rakuten Inc, Discovision Associates |
| US20090119299A1 | 0.328 | Online Identity Management and Identity Verification | APPLICATION | 2009-05-07 | 2007-11-02 | 40589237 | Good | ||
| US7016870B1 | 0.328 | Identifying a recommended portfolio of financial products for an investor based upon financial products that are available to the investor | GRANT | 2006-03-21 | 1997-12-02 | 35542529 | Good | Financial Engines Inc | Financial Engines Inc |
| US7536348B2 | 0.328 | Enhancing delinquent debt collection using statistical models of debt historical information and account events | GRANT | 2009-05-19 | 2000-02-01 | 26875401 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20040204952A1 | 0.328 | System and a method for performing personalised interactive automated electronic marketing of the marketing service provider | APPLICATION | 2004-10-14 | 2001-05-07 | 19773353 | Good | ||
| US20030028466A1 | 0.328 | System and method for providing financial planning and advice | APPLICATION | 2003-02-06 | 2001-07-31 | 26905543 | Good | American Express Travel Related Services Co Inc | Ameriprise Financial Inc |
| US20030229580A1 | 0.328 | Method for establishing or improving a credit score or rating for a business | APPLICATION | 2003-12-11 | 2002-06-10 | 29710926 | Good | ||
| US20070078741A1 | 0.328 | Using commercial share of wallet in private equity investments | APPLICATION | 2007-04-05 | 2004-10-29 | 46325838 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20070288355A1 | 0.327 | Evaluating customer risk | APPLICATION | 2007-12-13 | 2006-05-26 | 38779315 | Good | PricewaterhouseCoopers LLP | PricewaterhouseCoopers LLP |
| WO2010150251A1 | 0.327 | METHOD AND SYSTEM OF MONITORING A NETWORK BASED COMMUNICATION AMONG USERS | APPLICATION | 2010-12-29 | 2009-06-22 | 43386089 | Good | ||
| US20130179332A1 | 0.327 | System and Method for Generating Graphical User Interface | APPLICATION | 2013-07-11 | 2000-02-15 | 33455935 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20110126275A1 | 0.327 | SYSTEM AND METHOD FOR DISCOVERY ENRICHMENT IN AN INTELLIGENT WORKLOAD MANAGEMENT SYSTEM | APPLICATION | 2011-05-26 | 2009-11-25 | 44062913 | Good | Micro Focus Software Inc | Micro Focus Software Inc |
| US6324524B1 | 0.327 | Method and apparatus for an account level offer of credit and real time balance transfer | GRANT | 2001-11-27 | 1998-11-03 | 22679143 | Good | NextCard Inc | NEXTCARD A TEXAS LLC LLC |
| US7984436B1 | 0.327 | Management of compatibility of software products installed on a user's computing device | GRANT | 2011-07-19 | 2005-09-27 | 44262048 | Good | Intuit Inc | Intuit Inc |
| US20060059073A1 | 0.327 | System and method for analyzing financial risk | APPLICATION | 2006-03-16 | 2004-09-15 | 36035280 | Good | WALZAK RISK ANALYSIS LLC | WALZAK RISK ANALYSIS LLC |
| WO2002029636A1 | 0.327 | METHOD FOR FINDING A PERSON BY USING AN INTERNET WEB SITE | APPLICATION | 2002-04-11 | 2000-09-19 | 19198266 | Good | ||
| US7822667B1 | 0.327 | Distribution of cash deposits and withdrawals in multi-style managed client investment accounts | GRANT | 2010-10-26 | 2003-02-25 | 42987606 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US20060149674A1 | 0.327 | System and method for identity-based fraud detection for transactions using a plurality of historical identity records | APPLICATION | 2006-07-06 | 2004-12-30 | 36641865 | Good | ID Analytics LLC | ID Analytics LLC |
| US7458508B1 | 0.326 | System and method for identity-based fraud detection | GRANT | 2008-12-02 | 2003-05-12 | 40073709 | Good | ID Analytics LLC | Altiris Inc |
| US20070226114A1 | 0.326 | Using commercial share of wallet to manage investments | APPLICATION | 2007-09-27 | 2004-10-29 | 46326406 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20060095289A1 | 0.326 | Warranty tracking systems and methods | APPLICATION | 2006-05-04 | 2004-11-01 | 36263195 | Good | ||
| US20080208736A1 | 0.326 | SYSTEM AND METHOD FOR SETTLING TRADES IN A DIGITAL MERCHANT EXCHANGE | APPLICATION | 2008-08-28 | 2001-02-16 | 25143778 | Good | ASF Financial Corp | ASF Financial Corp |
| US20070244732A1 | 0.326 | Using commercial share of wallet to manage vendors | APPLICATION | 2007-10-18 | 2004-10-29 | 46325359 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20070016501A1 | 0.326 | Using commercial share of wallet to rate business prospects | APPLICATION | 2007-01-18 | 2004-10-29 | 46325358 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20030212745A1 | 0.326 | Selective multi-step email message marketing | APPLICATION | 2003-11-13 | 2002-05-08 | 29399381 | Good | GoodContacts com Inc | GoodContacts com Inc |
| US20020010616A1 | 0.326 | System and method for dissemination of counseling and advice in a distributed networking environment | APPLICATION | 2002-01-24 | 2000-04-17 | 22731447 | Good | PNONLINECOM | PNONLINECOM |
| US6993504B1 | 0.326 | User interface for semi-fungible trading | GRANT | 2006-01-31 | 1999-04-09 | 35694978 | Good | Trading Technologies International Inc | Trading Technologies International Inc |
| US20100205076A1 | 0.326 | Methods and Apparatus for Analysing and/or Pre-Processing Financial Accounting Data | APPLICATION | 2010-08-12 | 2007-02-13 | 39333098 | Good | Future Route Ltd | Validis Uk Ltd |
| US20100094774A1 | 0.326 | INTERACTIVE AND COLLABORATIVE FINANCIAL CUSTOMER EXPERIENCE APPLICATION | APPLICATION | 2010-04-15 | 2008-10-15 | 41571090 | Good | Bank of America Corp | Bank of America Corp |
| US20050154665A1 | 0.325 | Fraud prevention system | APPLICATION | 2005-07-14 | 2002-11-22 | 46304100 | Good | Florida Bankers Association Inc | Florida Bankers Association Inc |
| US6330546B1 | 0.325 | Risk determination and management using predictive modeling and transaction profiles for individual transacting entities | GRANT | 2001-12-11 | 1992-09-08 | 25477381 | Good | HNC Software Inc | Fair Isaac Corp |
| US20060129472A1 | 0.325 | Method and system for tracking derivatives positions and monitoring credit limits | APPLICATION | 2006-06-15 | 2004-12-10 | 36578676 | Good | Thomson TradeWeb LLC | Tradeweb Markets LLC |
| US6405181B2 | 0.325 | Method and apparatus for real time on line credit approval | GRANT | 2002-06-11 | 1998-11-03 | 22680019 | Good | NextCard Inc | NEXTCARD A TEXAS LLC LLC |
| US20060161554A1 | 0.325 | Schema-Based Services For Identity-Based Data Access | APPLICATION | 2006-07-20 | 2001-03-14 | 26690183 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6029892A | 0.325 | Method for electronically transferring personal information on credit gaining card and mini IC card adapter card terminal adapter slip issuing device portable terminal used therein | GRANT | 2000-02-29 | 1996-11-15 | 17940480 | Good | MIYAKAE AKIKO | MIYAKAE AKIKO |
| US5937392A | 0.324 | Banner advertising display system and method with frequency of advertisement control | GRANT | 1999-08-10 | 1997-07-28 | 25414081 | Good | Switchboard Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US20070226093A1 | 0.324 | Financial services data model | APPLICATION | 2007-09-27 | 2002-12-20 | 38534726 | Good | Siebel Systems Inc | Oracle America Inc |
| US7809624B1 | 0.324 | Drift determination in multi-style managed client investment account | GRANT | 2010-10-05 | 2003-02-25 | 42797837 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US20090281816A1 | 0.324 | ACCOUNT ABUSE DETECTION OR PREVENTION DEVICE DATA COLLECTION DEVICE AND ACCOUNT ABUSE DETECTION OR PREVENTION PROGRAM | APPLICATION | 2009-11-12 | 2005-08-29 | 37808678 | Good | Daikin Industries Ltd | Daikin Industries Ltd |
| US20090048957A1 | 0.324 | Method and system for financial counseling | APPLICATION | 2009-02-19 | 2007-04-02 | 40363730 | Good | INCHARGE INSTITUTE OF AMERICA Inc | INCHARGE INSTITUTE OF AMERICA Inc |
| US20020059201A1 | 0.323 | Method and apparatus for internet-based human network brokering | APPLICATION | 2002-05-16 | 2000-05-09 | 26898554 | Good | ||
| US8078453B2 | 0.323 | System and method for computerized psychological content analysis of computer and media generated communications to produce communications management support indications and warnings of dangerous behavior assessment of media images and personnel selection support | GRANT | 2011-12-13 | 2001-01-24 | 39360745 | Good | Shaw Stroz LLC | Stroz Friedberg Inc |
| US5025138A | 0.323 | Method and system for providing verifiable line of credit information | GRANT | 1991-06-18 | 1984-02-27 | 26838837 | Good | ||
| US20110314383A1 | 0.323 | SECURED AND FILTERED PERSONAL INFORMATION PUBLISHING | APPLICATION | 2011-12-22 | 2005-12-01 | 38092593 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6052690A | 0.323 | Coherent data structure with multiple interaction contexts for a smart card | GRANT | 2000-04-18 | 1994-02-08 | 8216620 | Good | Belle Gate Investments BV | Belle Gate Investments BV |
| US20090088077A1 | 0.323 | Communications Apparatus | APPLICATION | 2009-04-02 | 2005-04-11 | 34610926 | Good | Broadcom Innovision Ltd | NXP USA Inc |
| US20030115122A1 | 0.322 | System and method for alert processing and delivery | APPLICATION | 2003-06-19 | 2000-10-13 | 46281894 | Good | UBS Financial Services Inc, UBS PaineWebber Inc | UBS Financial Services Inc |
| US20070244807A1 | 0.322 | Method and system for preventing and detecting identity theft | APPLICATION | 2007-10-18 | 2006-02-28 | 38605997 | Good | Intersections Inc | Intersections Inc |
| US20110307397A1 | 0.322 | SYSTEMS AND METHODS FOR APPLYING SOCIAL INFLUENCE | APPLICATION | 2011-12-15 | 2010-06-09 | 45097015 | Good | ||
| US6088686A | 0.322 | System and method to performing on-line credit reviews and approvals | GRANT | 2000-07-11 | 1995-12-12 | 26678297 | Good | Citibank NA | Citibank NA |
| US7366694B2 | 0.322 | Credit/financing process | GRANT | 2008-04-29 | 2001-08-16 | 46280943 | Good | Mortgage Grader Inc | Mortgage Grader Inc |
| US20060041464A1 | 0.322 | System and method for developing an analytic fraud model | APPLICATION | 2006-02-23 | 2004-08-19 | 35910714 | Good | Transunion LLC | Transunion LLC |
| US20070226047A1 | 0.322 | Method and Process for Capturing Storing Processing and Displaying Customer Satisfaction Information | APPLICATION | 2007-09-27 | 2003-01-18 | 32712244 | Good | ||
| US5918217A | 0.321 | User interface for a financial advisory system | GRANT | 1999-06-29 | 1997-12-10 | 25533945 | Good | Financial Engines Inc | Financial Engines Inc |
| US20020091650A1 | 0.321 | Methods of anonymizing private information | APPLICATION | 2002-07-11 | 2001-01-09 | 25050320 | Good | Gazelle Systems Inc | Gazelle Systems Inc |
| US6442590B1 | 0.321 | Method and apparatus for a site-sensitive interactive chat network | GRANT | 2002-08-27 | 1999-05-27 | 23258021 | Good | Yodlee com Inc | Yodlee com Inc |
| US20050127166A1 | 0.321 | Secure device and information processing apparatus | APPLICATION | 2005-06-16 | 2003-12-15 | 34554851 | Good | Panasonic Corp | Panasonic Corp |
| US20120036127A1 | 0.320 | METHOD AND SYSTEM FOR REPUTATION EVALUATION OF ONLINE USERS IN A SOCIAL NETWORKING SCHEME | APPLICATION | 2012-02-09 | 2004-09-02 | 35941200 | Good | LinkedIn Corp | LinkedIn Corp |
| US20140164112A1 | 0.320 | SYSTEM AND METHOD FOR TARGETING FAMILY MEMBERS OF TRANSACTION ACCOUNT PRODUCT HOLDERS TO RECEIVE SUPPLEMENTARY TRANSACTION ACCOUNT PRODUCTS | APPLICATION | 2014-06-12 | 2006-12-29 | 39585274 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US7248895B2 | 0.320 | Controlling settings for mobile telecommunications apparatus | GRANT | 2007-07-24 | 2003-06-12 | 33511303 | Good | Nokia Oyj | Provenance Asset Group LLC, Nokia USA Inc |
| US6112187A | 0.320 | Encryption communication system for generating passwords on the basis of start information on both parties of communication | GRANT | 2000-08-29 | 1997-05-20 | 15008747 | Good | Any Co Ltd | Any Co Ltd |
| US20060293987A1 | 0.319 | Methods and systems for originating and scoring a financial instrument | APPLICATION | 2006-12-28 | 2005-01-12 | 36678125 | Good | NATIONWIDE MUTUAL CAPITAL LLC | EARN Corp, NATIONWIDE MUTUAL CAPITAL LLC, EARN Corp |
| US7386466B2 | 0.319 | Continuously updated data processing system and method for measuring and reporting on value creation performance that supports real-time benchmarking | GRANT | 2008-06-10 | 2000-05-17 | 27560144 | Good | TVC International Inc | TVC International Inc |
| US20110137760A1 | 0.319 | METHOD SYSTEM AND COMPUTER PROGRAM PRODUCT FOR CUSTOMER LINKING AND IDENTIFICATION CAPABILITY FOR INSTITUTIONS | APPLICATION | 2011-06-09 | 2009-12-03 | 44082938 | Good | Experian Marketing Solutions Inc | Experian Marketing Solutions Inc |
| US20080301016A1 | 0.319 | Method System and Computer Program Product for Customer Linking and Identification Capability for Institutions | APPLICATION | 2008-12-04 | 2007-05-30 | 40089346 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US7729969B1 | 0.318 | Coordinated rebalancing by money manager portfolio management systems and a master overlay manager portfolio management system | GRANT | 2010-06-01 | 2003-02-25 | 42200277 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US7356503B1 | 0.318 | ASP business decision engine | GRANT | 2008-04-08 | 2001-02-21 | 39263578 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US7792715B1 | 0.318 | Method of on-line credit information monitoring and control | GRANT | 2010-09-07 | 2002-09-21 | 42669722 | Good | Mighty Net Inc | Consumerinfo com Inc |
| US7142699B2 | 0.318 | Fingerprint matching using ridge feature maps | GRANT | 2006-11-28 | 2001-12-14 | 27791481 | Good | Siemens Corporate Research Inc | Siemens Corp |
| US20050074123A1 | 0.318 | Cruable U-NII wireless radio with secure integral antenna connection via SM BIOS in U-NII wireless ready device | APPLICATION | 2005-04-07 | 2003-10-07 | 34394453 | Good | International Business Machines Corp | Lenovo PC International Ltd |
| US20050097017A1 | 0.318 | Financial funding system and methods | APPLICATION | 2005-05-05 | 2001-11-02 | 23315125 | Good | BANK RHODE ISLAND | BANK RHODE ISLAND |
| US7583682B2 | 0.318 | Method for improving peer to peer network communication | GRANT | 2009-09-01 | 2004-01-23 | 34795209 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US20030018558A1 | 0.318 | System method and computer program product for online financial products trading | APPLICATION | 2003-01-23 | 1998-12-31 | 27381526 | Good | Ultraprise Loan Technologies Inc | Ultraprise Loan Technologies Inc |
| US20090234775A1 | 0.318 | REAL ESTATE APPRAISAL SYSTEM AND METHOD | APPLICATION | 2009-09-17 | 2008-03-12 | 41064089 | Good | ||
| US7552086B1 | 0.317 | Methods and systems for managing credit | GRANT | 2009-06-23 | 2001-12-03 | 40765998 | Good | Oracle International Corp | Oracle International Corp |
| US20100281020A1 | 0.317 | METHOD AND SYSTEM FOR UNIQUELY IDENTIFYING A PERSON TO THE EXCLUSION OF ALL OTHERS | APPLICATION | 2010-11-04 | 2008-01-11 | 40853481 | Good | Verus Analytics LLC | Verus Analytics LLC |
| US20070226122A1 | 0.317 | Electronic trading system | APPLICATION | 2007-09-27 | 2005-11-02 | 38534739 | Good | PRIVATE TRADING SYSTEMS PLC | PREVENTIA Inc, PRIVATE TRADING SYSTEM Inc |
| WO2011155915A1 | 0.317 | METHOD AND APPARATUS FOR SECURELY ACTIVATING A CREDIT CARD FOR A LIMITED PERIOD OF TIME | APPLICATION | 2011-12-15 | 2010-06-10 | 45098322 | Good | ||
| US20120005070A1 | 0.316 | SALES LEAD GENERATION SYSTEM USING A CREDIT SCORE SURVEY | APPLICATION | 2012-01-05 | 2010-07-01 | 45400431 | Good | Veretech Holdings Inc | Veretech Holdings Inc |
| US5351186A | 0.316 | System and method for obtaining information concerning a product or a service | GRANT | 1994-09-27 | 1991-01-16 | 24575847 | Good | Bullock Communications Inc | BULLOCK COMMUNICATIONS Inc A PA Corp |
| US20050055275A1 | 0.316 | System and method for analyzing marketing efforts | APPLICATION | 2005-03-10 | 2003-06-10 | 33551667 | Good | Citicorp Credit Services Inc | Citicorp Credit Services Inc USA |
| US20070179798A1 | 0.316 | VEHICLE EMAIL SYSTEM AND METHOD WITH FINANCIAL NOTIFICATION FEATURES | APPLICATION | 2007-08-02 | 2005-12-31 | 38228956 | Good | Motors Liquidation Co | General Motors LLC |
| US6175924B1 | 0.316 | Method and apparatus for protecting application data in secure storage areas | GRANT | 2001-01-16 | 1997-06-20 | 25370695 | Good | International Business Machines Corp | International Business Machines Corp |
| US20070156718A1 | 0.316 | Business intelligence data repository and data management system and method | APPLICATION | 2007-07-05 | 2005-12-30 | 38225858 | Good | eCollege com | eCollege com |
| US20030163513A1 | 0.316 | Providing role-based views from business web portals | APPLICATION | 2003-08-28 | 2002-02-22 | 27752934 | Good | International Business Machines Corp | International Business Machines Corp |
| US20020096570A1 | 0.316 | Card with a dynamic embossing apparatus | APPLICATION | 2002-07-25 | 2001-01-25 | 25090779 | Good | PrivaSys Inc | PrivaSys Inc |
| US20020188511A1 | 0.315 | Interactive online point redemption system | APPLICATION | 2002-12-12 | 2001-05-14 | 26841473 | Good | Trilegiant Loyalty Solutions | Trilegiant Loyalty Solutions |
| US20040249532A1 | 0.315 | Method and system of managing service reminders and promotions using mileage estimates | APPLICATION | 2004-12-09 | 2003-06-03 | 33493473 | Good | ONSTATION Inc | ADP Dealer Services Inc |
| US20060123461A1 | 0.315 | Systems and methods for protecting privacy | APPLICATION | 2006-06-08 | 2004-12-02 | 36575904 | Good | Xerox Corp | Palo Alto Research Center Inc, Xerox Corp |
| US20050080821A1 | 0.315 | System and method for managing collections accounts | APPLICATION | 2005-04-14 | 2003-07-21 | 34425803 | Good | Capital One Financial Corp | Capital One Financial Corp |
| US20060282886A1 | 0.315 | Service oriented security device management network | APPLICATION | 2006-12-14 | 2005-06-09 | 37525560 | Good | Lockheed Martin Corp | Lockheed Martin Corp |
| US6035288A | 0.315 | Interactive computer-implemented system and method for negotiating sale of goods and/or services | GRANT | 2000-03-07 | 1998-06-29 | 22310159 | Good | Cendant Publishing Inc | NGI HOLDINGS Inc, TRAVELPORT Inc, Travelport Operations Inc |
| US20080120204A1 | 0.315 | Method for transferring product service records | APPLICATION | 2008-05-22 | 2006-10-31 | 39418065 | Good | Caterpillar Inc | Caterpillar Inc |
| US7328233B2 | 0.315 | Method and apparatus for implementing an active information model | GRANT | 2008-02-05 | 2000-01-19 | 26872821 | Good | Corybant Inc | Corybant Inc |
| US6076070A | 0.315 | Apparatus and method for on-line price comparison of competitor's goods and/or services over a computer network | GRANT | 2000-06-13 | 1998-07-23 | 22394491 | Good | Cendant Publishing Inc | TRAVELPORT Inc, Travelport Operations Inc |
| US7729983B1 | 0.314 | Credit risk managing loan pools | GRANT | 2010-06-01 | 2001-11-21 | 42200278 | Good | Clayton Fixed Income Services Inc | CLAYTON FIXED SERVICES LLC |
| US20110296003A1 | 0.314 | USER ACCOUNT BEHAVIOR TECHNIQUES | APPLICATION | 2011-12-01 | 2010-06-01 | 45023031 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20070156554A1 | 0.314 | Method and Apparatus for Computer Assisted Settling of Debts | APPLICATION | 2007-07-05 | 2005-12-19 | 38225749 | Good | ADS PROCESSING Inc | ADS PROCESSING Inc |
| US20080294501A1 | 0.314 | COLLECTING AND PROVIDING INFORMATION ABOUT VENDORS PRODUCTS AND SERVICES | APPLICATION | 2008-11-27 | 2007-05-21 | 40073255 | Good | ||
| US20080229415A1 | 0.313 | SYSTEMS AND METHODS FOR PROCESSING DATA FLOWS | APPLICATION | 2008-09-18 | 2005-07-01 | 39764038 | Good | Blue Coat Systems Inc | Blue Coat Systems Inc |
| US20070043684A1 | 0.313 | Central Management of a Credential Production System | APPLICATION | 2007-02-22 | 2005-08-18 | 37768353 | Good | Fargo Electronics Inc | Assa Abloy AB |
| US5952641A | 0.313 | Security device for controlling the access to a personal computer or to a computer terminal | GRANT | 1999-09-14 | 1995-11-28 | 4254607 | Good | C SAM SA | C SAM SA |
| US7912865B2 | 0.313 | System and method for linking multiple entities in a business database | GRANT | 2011-03-22 | 2006-09-26 | 39110517 | Good | Experian Marketing Solutions Inc | Experian Information Solutions LLC |
| US20040225545A1 | 0.313 | System and method for offering unsecured consumer credit transactions | APPLICATION | 2004-11-11 | 2003-05-08 | 33416623 | Good | E2interactive Inc | E2interactive Inc |
| US20020044043A1 | 0.313 | Patient care and communication system | APPLICATION | 2002-04-18 | 1990-07-27 | 27534454 | Good | Hill Rom Services Inc | Hill Rom Services Inc |
| US20090198557A1 | 0.313 | TIMING COMMERCIAL OFFERS BASED ON LONG-TERM USER DATA | APPLICATION | 2009-08-06 | 2008-01-31 | 40932564 | Good | Intuit Inc | Intuit Inc |
| US7127068B2 | 0.312 | Geographical comparison system and method | GRANT | 2006-10-24 | 2000-05-24 | 26901618 | Good | Info Space Inc | SWITCHBOARD LLC, Info Space Inc, InfoSpace Inc |
| US20070288360A1 | 0.312 | Systems and methods for determining whether candidates are qualified for desired situations based on credit scores | APPLICATION | 2007-12-13 | 2006-05-03 | 38653203 | Good | ||
| US20120010927A1 | 0.312 | METHODS SYSTEMS AND MEDIA FOR APPLYING SCORES AND RATINGS TO WEB PAGES WEB SITES AND CONTENT FOR SAFE AND EFFECTIVE ONLINE ADVERTISING | APPLICATION | 2012-01-12 | 2010-06-01 | 45439233 | Good | ADSAFE MEDIA Ltd | Integral Ad Science Inc |
| US8015083B1 | 0.312 | Method and apparatus for client-specific notification service | GRANT | 2011-09-06 | 2006-09-11 | 44513635 | Good | Intuit Inc | Intuit Inc |
| US8732004B1 | 0.312 | Automated analysis of data to generate prospect notifications based on trigger events | GRANT | 2014-05-20 | 2004-09-22 | 50692335 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US7330831B2 | 0.312 | System and method for multiple account single security trading | GRANT | 2008-02-12 | 2001-06-29 | 27663702 | Good | Fiserv Inc | Fiserv Inc, Fiserv Investment Solutions Inc |
| US10445743B2 | 0.312 | Non-serialized electronic product registration system and method of operating same | GRANT | 2019-10-15 | 2001-11-15 | 23293987 | Good | E2interactive Inc | E2interactive Inc |
| US20110307957A1 | 0.311 | Method and System for Managing and Monitoring Continuous Improvement in Detection of Compliance Violations | APPLICATION | 2011-12-15 | 2010-06-15 | 45097373 | Good | International Business Machines Corp | International Business Machines Corp |
| US20100223211A1 | 0.311 | Decision service method and system | APPLICATION | 2010-09-02 | 2000-10-11 | 42667665 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20110035315A1 | 0.310 | Methods and Apparatus for Directing Consumers to Debt Settlement Providers | APPLICATION | 2011-02-10 | 2009-08-06 | 43535550 | Good | ENYFCU HOLDINGS LLC | SETTLEMYACCOUNT LLC |
| US8036941B2 | 0.310 | Online purchasing system supporting lenders with affordability screening | GRANT | 2011-10-11 | 2000-03-21 | 27558815 | Good | Enpulz LLC | PayPal Inc |
| US20110213670A1 | 0.310 | SYSTEMS AND METHODS FOR CREATING AND INSERTING APPLICATION MEDIA CONTENT INTO SOCIAL MEDIA SYSTEM DISPLAYS | APPLICATION | 2011-09-01 | 2009-08-19 | 44505795 | Good | Vitrue Inc | Oracle International Corp |
| US20090018996A1 | 0.310 | CROSS-CATEGORY VIEW OF A DATASET USING AN ANALYTIC PLATFORM | APPLICATION | 2009-01-15 | 2007-01-26 | 39645224 | Good | Information Resources Inc | Information Resources Inc |
| US20110112899A1 | 0.310 | SYSTEMS AND METHODS FOR MANAGING MARKETING PROGRAMS ON MULTIPLE SOCIAL MEDIA SYSTEMS | APPLICATION | 2011-05-12 | 2009-08-19 | 43974872 | Good | Vitrue Inc | Oracle International Corp |
| US20080294996A1 | 0.310 | CUSTOMIZED RETAILER PORTAL WITHIN AN ANALYTIC PLATFORM | APPLICATION | 2008-11-27 | 2007-01-31 | 40073545 | Good | Information Resources Inc | Information Resources Inc |
| WO2010062537A2 | 0.309 | METHOD AND APPARATUS FOR PROVIDING AN ADVERTISEMENT TO A USER BASED ON AN ACTION OF A FRIEND | APPLICATION | 2010-06-03 | 2008-11-26 | 42226313 | Good | ||
| US7913173B2 | 0.309 | Method and apparatus for acquiring data presented within a web browser | GRANT | 2011-03-22 | 2007-04-30 | 40073550 | Good | Intuit Inc | Intuit Inc |
| US20120011158A1 | 0.309 | SYSTEM AND METHODS THEREOF FOR REAL-TIME MONITORING OF A SENTIMENT TREND WITH RESPECT OF A DESIRED PHRASE | APPLICATION | 2012-01-12 | 2010-03-24 | 45439336 | Good | TAYKEY Ltd | Innovid Inc |
| US7912778B2 | 0.308 | Systems methods and computer program products for processing orders subject to investment restrictions | GRANT | 2011-03-22 | 2006-03-27 | 38534737 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US20140181898A1 | 0.308 | SYSTEM AND METHOD FOR IMPLEMENTING ADAPTIVE SECURITY ZONES | APPLICATION | 2014-06-26 | 2009-10-28 | 43899521 | Good | LiveOps Inc | Serenova LLC |
| WO2009064694A2 | 0.308 | APPARATUS METHOD AND SYSTEM FOR SUBSEQUENTLY CONNECTING PEOPLE | APPLICATION | 2009-05-22 | 2007-11-17 | 40639405 | Good | ||
| US7376603B1 | 0.307 | Method and system for evaluating customers of a financial institution using customer relationship value tags | GRANT | 2008-05-20 | 1997-08-19 | 39387684 | Good | Fair Isaac Corp | Citibank NA, Fair Isaac Corp |
| US20110137924A1 | 0.307 | CLUSTER PROCESSING OF AN AGGREGATED DATASET | APPLICATION | 2011-06-09 | 2007-01-26 | 46331842 | Good | SymphonyIRI Group Inc | Information Resources Inc |
| US20040001565A1 | 0.307 | Portal/portlet application data synchronization | APPLICATION | 2004-01-01 | 2002-06-26 | 29778952 | Good | International Business Machines Corp | International Business Machines Corp |
| US20130030826A1 | 0.307 | AUTOMATED PATIENT MANAGEMENT SYSTEM | APPLICATION | 2013-01-31 | 2004-11-24 | 47597973 | Good | Millennia Patient Services LLC | Millennia Patient Services LLC |
| US8625791B2 | 0.307 | Methods and apparatuses for selective data encryption | GRANT | 2014-01-07 | 2008-06-30 | 40566230 | Good | Thomson Licensing SAS | Magnolia Licensing LLC |
| US6973462B2 | 0.306 | Integrated guardianship information system | GRANT | 2005-12-06 | 2001-04-03 | 26813301 | Good | Florida Atlantic University | Florida Atlantic University |
| US20100136956A1 | 0.306 | Real-time discovery and mutual screening of candidates for direct personal contact in user-designated vicinities | APPLICATION | 2010-06-03 | 2008-12-02 | 42223281 | Good | ||
| US7437679B2 | 0.306 | Displaying information with visual cues to indicate both the importance and the urgency of the information | GRANT | 2008-10-14 | 2002-05-16 | 29419016 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20040199789A1 | 0.306 | Anonymizer data collection device | APPLICATION | 2004-10-07 | 2002-12-30 | 33096616 | Good | Cable Television Laboratories Inc | Cable Television Laboratories Inc |
| US20020194120A1 | 0.306 | Consultative decision engine method and system for financial transactions | APPLICATION | 2002-12-19 | 2001-05-11 | 26842799 | Good | Nexstar Financial Corp | Bank of America Corp |
| US7970676B2 | 0.306 | Method and system for modeling future action impact in credit scoring | GRANT | 2011-06-28 | 2007-08-01 | 40339014 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20150023480A1 | 0.306 | VOICE INTERACTIVE SERVICE SYSTEM AND METHOD FOR PROVIDING DIFFERENT SPEECH-BASED SERVICES | APPLICATION | 2015-01-22 | 2009-08-26 | 43626164 | Good | Swisscom AG | Swisscom AG |
| US20040249811A1 | 0.305 | Web based dating service with filter for filtering potential friends/mates using physical and/or personality attractiveness criteria | APPLICATION | 2004-12-09 | 2000-12-14 | 46300556 | Good | Dateplaycom Inc | Dateplaycom Inc |
| US20070058801A1 | 0.305 | Managing the encryption of data | APPLICATION | 2007-03-15 | 2005-09-09 | 37855117 | Good | NetApp Inc | NetApp Inc |
| US20090234665A1 | 0.305 | System and method for customer feedback | APPLICATION | 2009-09-17 | 2008-03-11 | 41064007 | Good | Electronic Data Systems LLC | Ent Services Development Corp LP |
| US20080120416A1 | 0.304 | SYSTEM AND METHOD FOR PEER TO PEER COMPENSATION | APPLICATION | 2008-05-22 | 2006-11-07 | 39365106 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US20040083159A1 | 0.304 | Systems and methods for facilitating settlement of cross-border securities transactions | APPLICATION | 2004-04-29 | 1999-07-21 | 23407997 | Good | ||
| US20020107765A1 | 0.304 | Electronic financing system | APPLICATION | 2002-08-08 | 2000-12-13 | 24962844 | Good | autobytel com Inc | autobytel com Inc |
| US6397212B1 | 0.303 | Self-learning and self-personalizing knowledge search engine that delivers holistic results | GRANT | 2002-05-28 | 1999-03-04 | 26680559 | Good | Hanger Solutions LLC | ON-OFFLINE |
| US7423515B1 | 0.303 | FPALM II fingerprint authentication lock mechanism II | GRANT | 2008-09-09 | 2003-04-10 | 39734346 | Good | Biogy Inc | Biogy Inc |
| US20070174903A1 | 0.302 | Method and system for managing user identities on a network | APPLICATION | 2007-07-26 | 2006-01-26 | 38287161 | Good | Neogent Inc | Sun Microsystems Inc |
| US7596512B1 | 0.302 | System and method for determining vehicle price adjustment values | GRANT | 2009-09-29 | 2003-11-26 | 41109880 | Good | Carfax Inc | Carfax Inc |
| US20030235307A1 | 0.302 | Encryption and decryption program | APPLICATION | 2003-12-25 | 2002-06-13 | 29727902 | Good | ||
| US20080267403A1 | 0.302 | System and method for privacy enhancement via adaptive cryptographic embedding | APPLICATION | 2008-10-30 | 2006-11-09 | 39886998 | Good | University of Colorado | University of Colorado |
| US20060085361A1 | 0.302 | Anomaly detector in a health care system using adapter | APPLICATION | 2006-04-20 | 2004-10-14 | 36181978 | Good | TriZetto Group Inc | TriZetto Group Inc |
| US20060226217A1 | 0.301 | Sleeve for electronic transaction card | APPLICATION | 2006-10-12 | 2005-04-07 | 36778396 | Good | Tyfone Inc | Tyfone Inc |
| US20080097822A1 | 0.301 | System And Method For Facilitating Network Connectivity Based On User Characteristics | APPLICATION | 2008-04-24 | 2004-10-11 | 36149011 | Good | ShareThis Inc | NEXTUMI Inc C/O BLUE CHIP VENTURE Co |
| US4346442A | 0.301 | Securities brokerage-cash management system | GRANT | 1982-08-24 | 1980-07-29 | 22631543 | Good | Merrill Lynch Pierce Fenner and Smith Inc | Bank of America Corp |
| US20090119116A1 | 0.301 | METHOD AND SYSTEM FOR CREDIT REPORT REMINDER SERVICE | APPLICATION | 2009-05-07 | 2007-11-05 | 40589105 | Good | RelyData LLC | RelyData LLC |
| US20040243450A1 | 0.301 | Method system and computer program product for real property metric monitoring | APPLICATION | 2004-12-02 | 2003-06-02 | 33451991 | Good | ||
| US6941323B1 | 0.300 | System and method for image comparison and retrieval by enhancing defining and parameterizing objects in images | GRANT | 2005-09-06 | 1999-08-09 | 23459327 | Good | Almen Laboratories Inc | Almen Laboratories Inc |
| US6505168B1 | 0.299 | System and method for gathering and standardizing customer purchase information for target marketing | GRANT | 2003-01-07 | 1999-08-16 | 23480070 | Good | International Business Machines Corp, First USA Bank NA | International Business Machines Corp, JPMorgan Chase Bank NA |
| US9026438B2 | 0.299 | Detecting barge-in in a speech dialogue system | GRANT | 2015-05-05 | 2008-03-31 | 39464337 | Good | Nuance Communications Inc | Harman Becker Automotive Systems GmbH, Cerence Operating Co |
| US20100205432A1 | 0.299 | METHOD SYSTEM TRUSTED SERVICE MANAGER SERVICE PROVIDER AND MEMORY ELEMENT FOR MANAGING ACCESS RIGHTS FOR TRUSTED APPLICATIONS | APPLICATION | 2010-08-12 | 2007-09-27 | 38740325 | Good | NXP BV | NXP BV |
| US6954757B2 | 0.299 | Framework architecture method and system for reducing latency of business operations of an enterprise | GRANT | 2005-10-11 | 2001-02-02 | 23012760 | Good | Hewlett Packard Development Co LP | HTC Corp |
| US7318093B2 | 0.299 | Method and apparatus for monitoring and controlling programs in a network | GRANT | 2008-01-08 | 1994-04-05 | 29550530 | Good | Intel Corp | Intel Corp |
| US7676418B1 | 0.299 | Credit portfolio benchmarking system and method | GRANT | 2010-03-09 | 2005-06-24 | 41785082 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US20030048294A1 | 0.298 | System and method for the creation of interactive display ads | APPLICATION | 2003-03-13 | 2001-09-07 | 23236675 | Good | Switchboard Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US20130191018A1 | 0.298 | Portable navigation device with wireless interface | APPLICATION | 2013-07-25 | 2006-09-27 | 38895741 | Good | TomTom International BV | TomTom International BV |
| US20050021551A1 | 0.298 | Current mailing address identification and verification | APPLICATION | 2005-01-27 | 2003-05-29 | 33490696 | Good | LOCATEPLUS CORP | LOCATEPLUS CORP |
| US20060267999A1 | 0.298 | SYSTEM AND METHOD FOR DEFINING ATTRIBUTES DECISION RULES OR BOTH FOR REMOTE EXECUTION CLAIM SET II | APPLICATION | 2006-11-30 | 2005-05-24 | 37462791 | Good | Magnum Communications Ltd | CRIF Corp |
| US6577329B1 | 0.298 | Method and system for relevance feedback through gaze tracking and ticker interfaces | GRANT | 2003-06-10 | 1999-02-25 | 22975291 | Good | International Business Machines Corp | Tobii AB |
| US20010034631A1 | 0.297 | Method and apparatus for the automatic selection of parties to an arrangement between a requestor and a satisfier of selected requirements | APPLICATION | 2001-10-25 | 2000-01-21 | 25073743 | Good | ||
| US20070039049A1 | 0.297 | Real-time activity monitoring and reporting | APPLICATION | 2007-02-15 | 2005-08-11 | 37744044 | Good | NetManage Inc | Micro Focus US Inc |
| US20110145064A1 | 0.297 | SYSTEMS AND METHODS FOR MANAGING CONTENT ASSOCIATED WITH MULTIPLE BRAND CATEGORIES WITHIN A SOCIAL MEDIA SYSTEM | APPLICATION | 2011-06-16 | 2009-09-11 | 44143951 | Good | Vitrue Inc | Oracle International Corp |
| US20090310546A1 | 0.296 | METHOD AND SYSTEM FOR ALLOWING AND PREVENTING WIRELESS DEVICES TO TRANSMIT WIRELESS SIGNALS | APPLICATION | 2009-12-17 | 2004-04-06 | 37024364 | Good | Airtight Networks Inc | Arista Networks Inc |
| US20060080251A1 | 0.296 | Systems and methods for offering credit line products | APPLICATION | 2006-04-13 | 2004-09-22 | 36119462 | Good | Citibank NA | Citibank NA |
| US8626642B2 | 0.296 | System and method for dynamically managing a financial account | GRANT | 2014-01-07 | 2003-08-22 | 34194460 | Good | Compucredit Intellectual Property Holdings Corp III | CC SERVE Corp |
| US20030231767A1 | 0.296 | Efficient encryption of image data | APPLICATION | 2003-12-18 | 2002-04-12 | 28799636 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US6249770B1 | 0.296 | Method and system of financial spreading and forecasting | GRANT | 2001-06-19 | 1998-01-30 | 22111681 | Good | Citibank NA | Citibank NA |
| US7801812B2 | 0.296 | Methods and systems for characteristic leveling | GRANT | 2010-09-21 | 2006-03-10 | 38510213 | Good | VantageScore Solutions LLC | VantageScore Solutions LLC |
| US7636686B2 | 0.296 | Automated actions based on restrictions | GRANT | 2009-12-22 | 2005-06-07 | 37495312 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US5615408A | 0.296 | Apparatus and method for credit based management of telecommunication activity | GRANT | 1997-03-25 | 1992-11-12 | 25523108 | Good | Coral Systems Inc | Authorize Net LLC |
| US6552670B2 | 0.296 | Location encoder | GRANT | 2003-04-22 | 2000-05-26 | 27395107 | Good | Switchboard Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US7003476B1 | 0.296 | Methods and systems for defining targeted marketing campaigns using embedded models and historical data | GRANT | 2006-02-21 | 1999-12-29 | 35810777 | Good | General Electric Capital Corp | General Electric Co |
| US6539392B1 | 0.295 | System and method for data collection evaluation information generation and presentation | GRANT | 2003-03-25 | 2000-03-29 | 24145003 | Good | Bizrate com | Shopzilla Inc, Bizrate Insights Inc |
| US20040044673A1 | 0.295 | System and method for a planner and a deduplicating planner | APPLICATION | 2004-03-04 | 2002-09-04 | 31981563 | Good | Advanced Health Media LLC | Advanced Health Media LLC |
| US7318224B2 | 0.295 | Versioning in a rules based decision management system | GRANT | 2008-01-08 | 1998-03-05 | 26758627 | Good | American Management Systems Inc | CGI Technologies and Solutions Inc |
| US20080133322A1 | 0.295 | Industry Size of Wallet | APPLICATION | 2008-06-05 | 2006-12-01 | 39476956 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20110282943A1 | 0.295 | SYSTEMS AND METHODS FOR DETERMINING VALUE OF SOCIAL MEDIA PAGES | APPLICATION | 2011-11-17 | 2010-05-11 | 44912696 | Good | Vitrue Inc | Oracle International Corp |
| US5126936A | 0.295 | Goal-directed financial asset management system | GRANT | 1992-06-30 | 1989-09-01 | 23592156 | Good | Champion Securities | Champion Securities |
| US20070204338A1 | 0.294 | Reverse Firewall with Self-Provisioning | APPLICATION | 2007-08-30 | 2005-02-17 | 36264048 | Good | AT&T Corp | AT&T Intellectual Property II LP |
| US20090037279A1 | 0.294 | Dynamic Creation of Personalized Presentations For Network Communication Systems | APPLICATION | 2009-02-05 | 2007-07-27 | 40338994 | Good | Ortiva Wireless Inc | Allot Communications Ltd |
| US4651150A | 0.294 | Merchandise verification and information system | GRANT | 1987-03-17 | 1981-06-22 | 27402809 | Good | Light Signatures Inc | Light Signatures Inc |
| US20090164582A1 | 0.294 | JURY SYSTEM FOR USE IN ONLINE ANSWERS ENVIRONMENT | APPLICATION | 2009-06-25 | 2007-12-20 | 40789933 | Good | Yahoo Inc | Verizon Media Inc |
| US20020035480A1 | 0.294 | Alternative dispute resolution preparation method and systems | APPLICATION | 2002-03-21 | 2000-06-28 | 26909417 | Good | ||
| US20030171942A1 | 0.294 | Contact relationship management system and method | APPLICATION | 2003-09-11 | 2002-03-06 | 29548020 | Good | I Centrix LLC | I Centrix LLC |
| US20080170579A1 | 0.293 | METHODS APPARATUS AND COMPUTER PROGRAMS FOR MANAGING PERFORMANCE AND RESOURCE UTILIZATION WITHIN CLUSTER-BASED SYSTEMS | APPLICATION | 2008-07-17 | 2003-10-22 | 34521702 | Good | International Business Machines Corp | Facebook Inc |
| US20070245245A1 | 0.293 | SEARCHING AND REFERENCE CHECKING WITHIN SOCIAL NETWORKS | APPLICATION | 2007-10-18 | 2006-02-13 | 38606288 | Good | LinkedIn Corp | Microsoft Technology Licensing LLC |
| US6405173B1 | 0.293 | Decision management system providing qualitative account/customer assessment via point in time simulation | GRANT | 2002-06-11 | 1998-03-05 | 26758628 | Good | American Management Systems Inc | CGI Technologies and Solutions Inc |
| US7653081B2 | 0.293 | Internet protocol transport of PSTN-to-PSTN telephony services | GRANT | 2010-01-26 | 1999-06-14 | 23299813 | Good | Verizon Business Global LLC | Verizon Patent and Licensing Inc |
| US20120011432A1 | 0.292 | SYSTEMS AND METHODS FOR ASSOCIATING SOCIAL MEDIA SYSTEMS AND WEB PAGES | APPLICATION | 2012-01-12 | 2009-08-19 | 45439453 | Good | Vitrue Inc | Oracle International Corp |
| US7971141B1 | 0.292 | Method and system for populating a form based on an existing format | GRANT | 2011-06-28 | 2006-10-31 | 44169531 | Good | Intuit Inc | Intuit Inc |
| US20020099641A1 | 0.292 | Credit handling in an anonymous trading system | APPLICATION | 2002-07-25 | 2000-06-23 | 24415758 | Good | Electronic Broking Services Ltd | EBS SERVICE Co Ltd, Electronic Broking Services Ltd, CME Group Inc |
| US20120109752A1 | 0.292 | SYSTEMS AND METHODS FOR DELIVERING TARGETED CONTENT TO A CONSUMER'S MOBILE DEVICE BASED ON THE CONSUMER'S PHYSICAL LOCATION AND SOCIAL MEDIA MEMBERSHIPS | APPLICATION | 2012-05-03 | 2009-08-19 | 45997705 | Good | Vitrue Inc | Oracle International Corp |
| US20110246244A1 | 0.292 | COMPUTER NETWORK FOR GENERATING PROPOSED INSURANCE CLAIM SETTLEMENTS AND SUBMITTING THEM TO INSURANCE CARRIERS | APPLICATION | 2011-10-06 | 2010-04-06 | 44710704 | Good | Farmers Insurance Group of Cos | Farmers Insurance Group of Cos |
| US20080228556A1 | 0.292 | METHOD AND APPARATUS FOR CONSUMER INTERACTION BASED ON SPEND CAPACITY | APPLICATION | 2008-09-18 | 2005-10-24 | 39763594 | Good | Experian Marketing Solutions Inc | Experian Marketing Solutions Inc |
| US20030236701A1 | 0.291 | Method and system for affiliate tracking | APPLICATION | 2003-12-25 | 2001-05-15 | 25319394 | Good | Netcentives Inc | Affinion Net Patents Inc |
| US20060129419A1 | 0.291 | Coupling of a business component model to an information technology model | APPLICATION | 2006-06-15 | 2004-12-14 | 36585265 | Good | International Business Machines Corp | International Business Machines Corp |
| US8130075B1 | 0.290 | System and method for touchscreen combination lock | GRANT | 2012-03-06 | 2009-01-23 | 45757925 | Good | Intuit Inc | Intuit Inc |
| US20060282819A1 | 0.290 | General purpose annotation service for portal-based applications | APPLICATION | 2006-12-14 | 2005-06-09 | 37525515 | Good | International Business Machines Corp | International Business Machines Corp |
| US7765166B2 | 0.290 | Compiling user profile information from multiple sources | GRANT | 2010-07-27 | 2002-12-23 | 32600274 | Good | SAP SE | SAP SE |
| US7072909B2 | 0.290 | Method and apparatus for electronic collection translation grouping and delivery of wage assignment information | GRANT | 2006-07-04 | 1998-05-15 | 26773023 | Good | Conduent State and Local Solutions Inc | Conduent State and Local Solutions Inc |
| US20130204753A1 | 0.290 | EXTERNALLY AUGMENTED ASSET MANAGEMENT | APPLICATION | 2013-08-08 | 2006-10-05 | 39275734 | Good | Trimble Inc | Trimble Inc |
| US7542922B2 | 0.290 | Online purchasing system supporting sellers with affordability screening | GRANT | 2009-06-02 | 2000-03-21 | 27497865 | Good | PayPal Inc | PayPal Inc |
| US20080060054A1 | 0.289 | METHOD AND SYSTEM FOR DNS-BASED ANTI-PHARMING | APPLICATION | 2008-03-06 | 2006-09-05 | 39153611 | Good | Cyveillance Inc | Cyveillance Inc |
| US7835983B2 | 0.289 | Credit approval monitoring system and method | GRANT | 2010-11-16 | 2003-09-18 | 34316615 | Good | Trans Union LLC | Trans Union LLC, Transunion LLC |
| US20080221972A1 | 0.289 | Method and apparatus for determining credit characteristics of a consumer | APPLICATION | 2008-09-11 | 2005-10-24 | 39742585 | Good | Experian Marketing Solutions Inc | Experian Marketing Solutions Inc |
| US20100268660A1 | 0.289 | SYSTEMS AND METHODS FOR VERIFYING AND RATING MORTGAGE FINANCIAL COMPANIES | APPLICATION | 2010-10-21 | 2009-04-15 | 42981737 | Good | ||
| US20080270209A1 | 0.287 | MERCHANT SCORING SYSTEM AND TRANSACTIONAL DATABASE | APPLICATION | 2008-10-30 | 2007-04-25 | 39888106 | Good | Interactive Security Group LLC | RIPCORD LLC, Google LLC, RIPCORD LLC |
| US20030093311A1 | 0.287 | Targeted advertising | APPLICATION | 2003-05-15 | 2001-11-05 | 21752673 | Good | Intel Corp | Intel Corp |
| US6112190A | 0.287 | Method and system for commercial credit analysis | GRANT | 2000-08-29 | 1997-08-19 | 25432581 | Good | Citibank NA | Citibank NA |
| US6430539B1 | 0.287 | Predictive modeling of consumer financial behavior | GRANT | 2002-08-06 | 1999-05-06 | 23184422 | Good | HNC Software | Callahan Cellular LLC, HNC Software |
| US7653593B2 | 0.286 | Macroeconomic-adjusted credit risk score systems and methods | GRANT | 2010-01-26 | 2007-11-08 | 40624671 | Good | Equifax Inc | Equifax Inc |
| US20050064814A1 | 0.286 | Communication apparatus | APPLICATION | 2005-03-24 | 2003-07-22 | 33487689 | Good | Sony Corp | Sisvel International SA |
| US20050055231A1 | 0.286 | Candidate-initiated background check and verification | APPLICATION | 2005-03-10 | 2003-09-08 | 34228823 | Good | CERTIFION Corp | CERTIFION Corp |
| US20080222027A1 | 0.286 | Credit score and scorecard development | APPLICATION | 2008-09-11 | 2005-10-24 | 39742616 | Good | Experian Marketing Solutions Inc | Experian Marketing Solutions Inc |
| US5963656A | 0.285 | System and method for determining the quality of fingerprint images | GRANT | 1999-10-05 | 1996-09-30 | 24903075 | Good | International Business Machines Corp | Pendragon Networks LLC |
| US20060106685A1 | 0.285 | Generating system for automatically generating the bill of materials for electrical products | APPLICATION | 2006-05-18 | 2004-11-16 | 36387567 | Good | First International Computer Inc | First International Computer Inc |
| US20030036952A1 | 0.285 | Redemption system for award redemption | APPLICATION | 2003-02-20 | 2001-08-17 | 25462549 | Good | Trilegiant Corp | Affinion Net Patents Inc |
| US6523041B1 | 0.285 | Data linking system and method using tokens | GRANT | 2003-02-18 | 1997-07-29 | 23862399 | Good | Acxiom Corp | Liveramp Inc |
| US20090198602A1 | 0.285 | RANKING COMMERCIAL OFFERS BASED ON USER FINANCIAL DATA | APPLICATION | 2009-08-06 | 2008-01-31 | 40932596 | Good | Intuit Inc | Intuit Inc |
| US7433864B2 | 0.284 | Compiling information obtained by combinatorial searching | GRANT | 2008-10-07 | 2004-04-08 | 35061770 | Good | AT&T Intellectual Property I LP | Google LLC |
| US20050171850A1 | 0.284 | Device for ordering at dining table | APPLICATION | 2005-08-04 | 2004-02-02 | 34807790 | Good | Partner Tech Corp | Partner Tech Corp |
| US20060123471A1 | 0.283 | Credential production using a secured consumable supply | APPLICATION | 2006-06-08 | 2003-02-21 | 36575910 | Good | Fargo Electronics Inc | Assa Abloy AB |
| US7343295B2 | 0.283 | Automated complaint resolution system | GRANT | 2008-03-11 | 2000-04-05 | 27394582 | Good | ||
| US7814431B1 | 0.282 | Method and system for predictive form completion | GRANT | 2010-10-12 | 2007-04-27 | 42831041 | Good | Intuit Inc | Intuit Inc |
| US7412228B2 | 0.282 | Method for notifying a primary wireless unit of group calling plan activity | GRANT | 2008-08-12 | 2004-07-01 | 34941776 | Good | Nokia of America Corp | Nokia of America Corp |
| US20170323358A1 | 0.282 | EVALUATING PUBLIC RECORDS OF SUPPLY TRANSACTIONS | APPLICATION | 2017-11-09 | 2007-11-14 | 40639168 | Good | Panjiva Inc | Panjiva Inc |
| US7558748B2 | 0.281 | Purpose-based adaptive rendering | GRANT | 2009-07-07 | 1999-12-17 | 23852155 | Good | Dorado Network Systems Corp | CoreLogic Inc, CoreLogic Dorado LLC |
| US20080222015A1 | 0.281 | Method and apparatus for development and use of a credit score based on spend capacity | APPLICATION | 2008-09-11 | 2005-10-24 | 39742610 | Good | Experian Marketing Solutions Inc | Experian Marketing Solutions Inc |
| US20090007231A1 | 0.281 | Secured systems and methods for tracking and management of logistical processes | APPLICATION | 2009-01-01 | 2007-06-29 | 40162448 | Good | Caterpillar Inc | Caterpillar Inc |
| US20130317954A1 | 0.280 | RANKING ENTITIES BASED ON A COUNT OF SHIPMENTS DETERMINED IN AGGREGATED PUBLIC TRANSACTION RECORDS | APPLICATION | 2013-11-28 | 2007-11-14 | 44305836 | Good | Panjiva Inc | Panjiva Inc |
| US20020198736A1 | 0.280 | Identification storage and display of land data on a website | APPLICATION | 2002-12-26 | 2001-06-01 | 27538669 | Good | LandNet Corp | LandNet Corp |
| US20040059786A1 | 0.280 | Method for contact information verification and update | APPLICATION | 2004-03-25 | 2002-09-25 | 31993249 | Good | GOODCONTACTS RESEARCH Ltd | GOODCONTACTS RESEARCH Ltd |
| US6009415A | 0.280 | Data processing technique for scoring bank customer relationships and awarding incentive rewards | GRANT | 1999-12-28 | 1991-12-16 | 25198461 | Good | Harrison Co LLC | Harrison Co LLC |
| US7373324B1 | 0.280 | Method and system for exchange of financial investment advice | GRANT | 2008-05-13 | 1999-10-07 | 39361705 | Good | STRATEGYXCOM | STRATEGYXCOM |
| US20020198800A1 | 0.280 | Integration of computer applications and e-business capability | APPLICATION | 2002-12-26 | 2001-06-26 | 25399452 | Good | International Business Machines Corp | International Business Machines Corp |
| EP0919942A2 | 0.279 | Database relationship analysis and strategy implementation tool | GRANT | 1999-06-02 | 1997-11-28 | 10822891 | Good | NCR International Inc | NCR International Inc |
| US20100278338A1 | 0.279 | CODING DEVICE AND METHOD WITH RECONFIGURABLE AND SCALABLE ENCRYPTION/DECRYPTION MODULES | APPLICATION | 2010-11-04 | 2009-05-04 | 43030350 | Good | MediaTek Singapore Pte Ltd | MediaTek Singapore Pte Ltd |
| US7401050B2 | 0.279 | Method to improve debt collection practices | GRANT | 2008-07-15 | 2002-07-22 | 30443492 | Good | Accenture Global Services GmbH | Accenture Global Services Ltd |
| US7890403B1 | 0.279 | Systems and methods for implementing real estate future market value insurance | GRANT | 2011-02-15 | 2008-08-15 | 43568632 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20020111890A1 | 0.279 | Financial modeling and counseling system | APPLICATION | 2002-08-15 | 1999-11-01 | 25454902 | Good | Accenture LLP | Accenture Global Services Ltd |
| US20070174634A1 | 0.279 | System and/or method for encrypting data | APPLICATION | 2007-07-26 | 2005-09-09 | 38286985 | Good | NetApp Inc | NetApp Inc |
| US20080263013A1 | 0.278 | System and method for creating a list of shared information on a peer-to-peer network | APPLICATION | 2008-10-23 | 2007-04-12 | 39864586 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US20080216156A1 | 0.278 | Fault tolerant security system method and apparatus | APPLICATION | 2008-09-04 | 2007-03-02 | 39734071 | Good | Controls Systems Corp Pty | Controls Systems Corp Pty |
| US20090191812A1 | 0.278 | INFORMATION PROCESSING APPARATUS METHOD AND PROGRAM FOR PERFORMING NEAR FIELD COMMUNICATION WITH AN EXTERNAL DEVICE | APPLICATION | 2009-07-30 | 2007-12-18 | 40568670 | Good | Sony Corp | Sony Corp |
| US7395232B1 | 0.277 | Method and system for providing financial functions | GRANT | 2008-07-01 | 2000-08-30 | 24610063 | Good | TradeRisks Inc | TradeRisks Inc |
| US6021397A | 0.277 | Financial advisory system | GRANT | 2000-02-01 | 1997-12-02 | 25529671 | Good | Financial Engines Inc | Financial Engines Inc |
| US20030064705A1 | 0.277 | Communication of real estate information utilizing moving map GPS and wireless telecommunications to access MLS and other property specific information from remote databases | APPLICATION | 2003-04-03 | 2001-10-02 | 26753264 | Good | ||
| US20080249925A1 | 0.277 | LIABILITY ADVICE SYSTEM AND METHOD | APPLICATION | 2008-10-09 | 2007-04-04 | 39827819 | Good | FINANCIAL CROSSING Inc | CREDIT SESAME Inc |
| US20080059317A1 | 0.277 | ONLINE CREDIT CARD PRESCREEN SYSTEMS AND METHODS | APPLICATION | 2008-03-06 | 2006-08-31 | 39157802 | Good | Experian Interactive Innovation Center LLC | Cpl Assets LLC, Metareward Inc |
| US7370044B2 | 0.277 | System and method for managing and updating information relating to economic entities | GRANT | 2008-05-06 | 2001-11-19 | 25538762 | Good | Equifax Inc | Equifax Inc |
| US20160224996A1 | 0.277 | SIMILARITY MATCHING OF PRODUCTS BASED ON MULTIPLE CLASSIFICATION SCHEMES | APPLICATION | 2016-08-04 | 2007-01-26 | 40222256 | Good | Information Resources Inc | Information Resources Inc |
| US7698214B1 | 0.276 | Systems and methods of trading closed loans debt and other financial obligations | GRANT | 2010-04-13 | 2007-04-03 | 42078277 | Good | General Mortgage Finance Corp | General Mortgage Finance Corp |
| US20070121843A1 | 0.276 | Advertising and incentives over a social network | APPLICATION | 2007-05-31 | 2005-09-02 | 38087522 | Good | Swaayed Inc | Swaayed Inc |
| US20060282359A1 | 0.276 | METHOD AND APPARATUS FOR OBTAINING ORGANIZING AND ANALYZING MULTI-SOURCE DATA | APPLICATION | 2006-12-14 | 2005-06-09 | 37525217 | Good | Bank of America Corp | Bank of America Corp |
| US8032822B1 | 0.276 | Method and system for explaining dependencies on a document | GRANT | 2011-10-04 | 2006-07-28 | 44676837 | Good | Intuit Inc | Intuit Inc |
| US20080201257A1 | 0.276 | ALTERNATIVE METHOD AND SYSTEM FOR LEASING FINANCING AND PURCHASING RESIDENTIAL REAL ESTATE | APPLICATION | 2008-08-21 | 2007-02-15 | 39707488 | Good | CASCADIA IP LLC | CASCADIA IP LLC |
| US9398346B2 | 0.275 | Methods and apparatus for predictive capacity allocation | GRANT | 2016-07-19 | 2007-05-04 | 39939484 | Good | Time Warner Cable Enterprises LLC | Time Warner Cable Enterprises LLC, Spectrum Management Holding Co LLC |
| US20030212909A1 | 0.275 | Tool method and apparatus for assessing network security | APPLICATION | 2003-11-13 | 2002-01-18 | 29406603 | Good | Nokia of America Corp | LGS Innovations LLC |
| US7451095B1 | 0.275 | Systems and methods for income scoring | GRANT | 2008-11-11 | 2002-10-30 | 39940886 | Good | Federal Home Loan Mortgage Corp (Freddie Mac) | Federal Home Loan Mortgage Corp (Freddie Mac) |
| US20080028435A1 | 0.275 | Methods and systems for determining privacy requirements for an informatin resource | APPLICATION | 2008-01-31 | 2003-05-20 | 34656875 | Good | US Postal Service (USPS) | US Postal Service (USPS) |
| US20050149355A1 | 0.274 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711226 | Good | Cerner Corp | Cerner Corp |
| US7711626B2 | 0.274 | Systems methods and computer program products for adjusting the assets of an investment account | GRANT | 2010-05-04 | 2006-06-30 | 38950420 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US7333937B2 | 0.273 | Health care financing method | GRANT | 2008-02-19 | 2001-09-13 | 25492400 | Good | ADS ResponseCorp Inc | Transunion Intelligence LLC |
| US7403923B2 | 0.273 | Debt collection practices | GRANT | 2008-07-22 | 2001-10-12 | 21750749 | Good | Accenture Global Services GmbH | Accenture Global Services Ltd |
| US4797542A | 0.273 | Multiple application electronic card-like apparatus | GRANT | 1989-01-10 | 1986-02-04 | 12085581 | Good | Casio Computer Co Ltd | Casio Computer Co Ltd |
| WO2005124619A1 | 0.273 | CREDIT MANAGEMENT SYSTEM | APPLICATION | 2005-12-29 | 2004-06-18 | 35509916 | Good | ||
| US8027975B2 | 0.273 | Identifying and changing personal information | GRANT | 2011-09-27 | 2007-01-31 | 39410413 | Good | Reputation com Inc | Reputation com Inc |
| US20070192167A1 | 0.273 | Methods and systems for managing transaction card customer accounts | APPLICATION | 2007-08-16 | 2005-10-24 | 37968417 | Good | Citibank NA | Citibank NA |
| US7340679B2 | 0.272 | Processing life and work events | GRANT | 2008-03-04 | 2002-04-24 | 29254032 | Good | SAP SE | SAP SE |
| US6078922A | 0.272 | Market research database having historical control designator | GRANT | 2000-06-20 | 1997-12-19 | 25541436 | Good | AC Nielsen Co | Nielsen Co US LLC |
| US7715889B2 | 0.272 | Portable electronic device | GRANT | 2010-05-11 | 2004-07-29 | 35731019 | Good | Kyocera Corp | Kyocera Corp |
| US8494122B2 | 0.272 | Interactive voice response (IVR) system call interruption handling | GRANT | 2013-07-23 | 2009-05-07 | 43062324 | Good | International Business Machines Corp | International Business Machines Corp |
| US20020049624A1 | 0.272 | System and method for tracking real estate transactions | APPLICATION | 2002-04-25 | 1999-12-10 | 27500683 | Good | ||
| US7219107B2 | 0.271 | Collaborative information spaces | GRANT | 2007-05-15 | 2002-12-23 | 32601088 | Good | SAP SE | SAP SE |
| US20050149378A1 | 0.271 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711224 | Good | Cerner Corp | Cerner Corp |
| US8099309B1 | 0.271 | Financial policy change advisor | GRANT | 2012-01-17 | 2006-06-26 | 45445156 | Good | Intuit Inc | Intuit Inc |
| US7954698B1 | 0.271 | System and method for matching customers to financial products services and incentives based on bank account transaction activity | GRANT | 2011-06-07 | 2004-06-02 | 44070796 | Good | ||
| US20100257577A1 | 0.270 | MANAGING PRIVACY SETTINGS FOR A SOCIAL NETWORK | APPLICATION | 2010-10-07 | 2009-04-03 | 42827244 | Good | International Business Machines Corp | HCL Technologies Ltd |
| US20040044585A1 | 0.270 | Customer service management system | APPLICATION | 2004-03-04 | 2000-08-15 | 31982273 | Good | ||
| US4718009A | 0.269 | Default proof credit card method system | GRANT | 1988-01-05 | 1984-02-27 | 27078848 | Good | Default Proof Credit Card System Inc | Default Proof Credit Card System Inc |
| US20090064045A1 | 0.269 | Low memory rendering of graphical objects | APPLICATION | 2009-03-05 | 2007-09-04 | 40409482 | Good | Apple Inc | Apple Inc |
| US20020080871A1 | 0.269 | System and method for data feed acceleration and encryption | APPLICATION | 2002-06-27 | 2000-10-03 | 26930818 | Good | Realtime Data LLC | Realtime Data LLC |
| US7228289B2 | 0.268 | System and method for trading and displaying market information in an electronic trading environment | GRANT | 2007-06-05 | 2000-03-02 | 50548971 | Good | Trading Technologies International Inc | Trading Technologies International Inc |
| US20070150321A1 | 0.268 | METHOD AND APPARATUS FOR INTERNET FEAST | APPLICATION | 2007-06-28 | 2005-12-27 | 38195063 | Good | ||
| US20090327054A1 | 0.268 | PERSONAL REPUTATION SYSTEM BASED ON SOCIAL NETWORKING | APPLICATION | 2009-12-31 | 2008-06-27 | 41448585 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20090254656A1 | 0.268 | METHOD AND APPARATUS FOR CUSTODIAL MONITORING FILTERING AND APPROVING OF CONTENT | APPLICATION | 2009-10-08 | 2008-03-03 | 41134277 | Good | KIDZUI Inc | Leapfrog Enterprises Inc |
| US20110173116A1 | 0.268 | SYSTEM AND METHOD OF DETECTING AND ASSESSING MULTIPLE TYPES OF RISKS RELATED TO MORTGAGE LENDING | APPLICATION | 2011-07-14 | 2010-01-13 | 44259274 | Good | First American CoreLogic Inc | CoreLogic Solutions LLC |
| US20020165757A1 | 0.267 | Systems methods and computer program products for comparing business performance | APPLICATION | 2002-11-07 | 2001-05-01 | 25298674 | Good | ||
| US6185543B1 | 0.267 | Method and apparatus for determining loan prepayment scores | GRANT | 2001-02-06 | 1998-05-15 | 22146673 | Good | Marketswitch Corp | Experian Information Solutions LLC |
| US20050144143A1 | 0.267 | Method and system for identity theft prevention detection and victim assistance | APPLICATION | 2005-06-30 | 2003-09-03 | 36036755 | Good | Citicorp Credit Services Inc | Citicorp Credit Services Inc USA |
| US20090199206A1 | 0.267 | DATA STORAGE MEDIUM AND METHOD FOR CONTACTLESS COMMUNICATION BETWEEN THE DATA STORAGE MEDIUM AND A READER | APPLICATION | 2009-08-06 | 2006-06-12 | 38692079 | Good | Giesecke and Devrient GmbH | Giesecke and Devrient Mobile Security GmbH |
| US7616797B2 | 0.266 | Minutia detection from measurement of a human skull and identifying and profiling individuals from the human skull detection | GRANT | 2009-11-10 | 2004-08-23 | 36386316 | Good | Secure Logistix | Secure Logistix |
| US20040210661A1 | 0.266 | Systems and methods of profiling matching and optimizing performance of large networks of individuals | APPLICATION | 2004-10-21 | 2003-01-14 | 33162077 | Good | WEATTRACTCOM | WEATTRACTCOM |
| US20080212845A1 | 0.266 | Automatic form generation | APPLICATION | 2008-09-04 | 2007-02-26 | 39733097 | Good | EMC Corp | Open Text Corp |
| US20100063942A1 | 0.266 | SYSTEM METHOD AND COMPUTER PROGRAM PRODUCT FOR MANAGING A VIRTUAL PORTFOLIO OF FINANCIAL OBJECTS | APPLICATION | 2010-03-11 | 2002-04-10 | 41800081 | Good | Research Affiliates LLC | Research Affiliates LLC |
| US20070287415A1 | 0.265 | Remote service system for a vehicle | APPLICATION | 2007-12-13 | 2006-04-06 | 38681412 | Good | Denso Corp | Huawei Technologies Co Ltd |
| US6041305A | 0.263 | Method and apparatus of controlling reservation for goods and the like | GRANT | 2000-03-21 | 1996-04-25 | 26445740 | Good | Daishin Frame Inc | NEURON Inc |
| US7568065B2 | 0.262 | Method for carrying out writing updating and allocating memory on a memory medium | GRANT | 2009-07-28 | 2003-06-17 | 33484507 | Good | Thales SA | Thales SA |
| US20090327487A1 | 0.262 | METHOD AND SYSTEM FOR DISCOVERING DNS RESOLVERS | APPLICATION | 2009-12-31 | 2008-06-30 | 41448861 | Good | Cyveillance Inc | Cyveillance Inc |
| US20090299911A1 | 0.262 | Computer-Implemented Systems And Methods For Loan Evaluation Using A Credit Assessment Framework | APPLICATION | 2009-12-03 | 2008-05-29 | 41380971 | Good | SAS Institute Inc | SAS Institute Inc |
| US20040030667A1 | 0.262 | Automated systems and methods for generating statistical models | APPLICATION | 2004-02-12 | 2002-08-02 | 31494274 | Good | Capital One Financial Corp | Capital One Financial Corp |
| US20040111359A1 | 0.261 | Business method for credit verification and correction | APPLICATION | 2004-06-10 | 2002-06-04 | 32474221 | Good | ||
| US8660919B2 | 0.261 | Method for monitoring and reporting changes in the value of real estate | GRANT | 2014-02-25 | 2005-07-01 | 37590808 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20070276750A1 | 0.261 | Method and system for credit status calculation monitoring and maintenance | APPLICATION | 2007-11-29 | 2005-06-10 | 38750684 | Good | ||
| US20090106846A1 | 0.261 | SYSTEM AND METHOD FOR DETECTION AND MITIGATION OF IDENTITY THEFT | APPLICATION | 2009-04-23 | 2007-10-23 | 40564861 | Good | Identity Rehab Corp | Identity Rehab Corp |
| US20080208735A1 | 0.261 | Method System and Computer Program Product for Managing Business Customer Contacts | APPLICATION | 2008-08-28 | 2007-02-22 | 39717014 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US8604929B1 | 0.261 | Personal alert system and method | GRANT | 2013-12-10 | 2009-04-27 | 49681542 | Good | Navigator Technology Inc | Navigator Technology Inc |
| US20030200142A1 | 0.261 | On-line employee incentive system | APPLICATION | 2003-10-23 | 2002-04-23 | 29215279 | Good | Trilegiant Loyalty Solutions | Trilegiant Loyalty Solutions |
| US20110078073A1 | 0.261 | SYSTEM AND METHOD FOR PREDICTING CONSUMER CREDIT RISK USING INCOME RISK BASED CREDIT SCORE | APPLICATION | 2011-03-31 | 2009-09-30 | 43781378 | Good | Scorelogix LLC | Scorelogix LLC |
| US20030219709A1 | 0.260 | System and method for educating managing and evaluating clients of professionals | APPLICATION | 2003-11-27 | 2002-05-24 | 29549150 | Good | ||
| US20040188515A1 | 0.260 | Pre-paid internet credit card | APPLICATION | 2004-09-30 | 2003-03-26 | 32989794 | Good | ||
| US20030004853A1 | 0.260 | Graphical front end system for real time security trading | APPLICATION | 2003-01-02 | 2001-06-28 | 25400670 | Good | ||
| US20090132347A1 | 0.260 | Systems And Methods For Aggregating And Utilizing Retail Transaction Records At The Customer Level | APPLICATION | 2009-05-21 | 2003-08-12 | 40642932 | Good | JPMorgan Chase Bank NA, Chase Bank USA NA | JPMorgan Chase Bank NA |
| US20070112668A1 | 0.260 | Method and apparatus for a consumer interactive credit report analysis and score reconciliation adaptive education and counseling system | APPLICATION | 2007-05-17 | 2005-11-12 | 38068978 | Good | INCHARGE INSTITUTE OF AMERICA Inc | INCHARGE INSTITUTE OF AMERICA Inc |
| US20050149354A1 | 0.260 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711225 | Good | Cerner Corp | Cerner Corp |
| US20030023531A1 | 0.259 | Methods and systems for assisting financial services firms and their representatives | APPLICATION | 2003-01-30 | 2001-07-27 | 25438366 | Good | Investigo Corp | Broadridge Securities Processing Solutions Inc |
| US8374973B2 | 0.259 | Reputation system | GRANT | 2013-02-12 | 2006-02-16 | 38369858 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7296754B2 | 0.259 | IC card module | GRANT | 2007-11-20 | 2004-05-11 | 34940753 | Good | Renesas Technology Corp | NEC Electronics Corp, Renesas Electronics Corp |
| US20080086400A1 | 0.258 | COMPUTERIZED CREDIT SERVICES INFORMATION MANAGEMENT SYSTEM | APPLICATION | 2008-04-10 | 2006-09-15 | 39185646 | Good | CREDIT SOLUTIONS OF AMERICA Inc | CREDIT SOLUTIONS OF AMERICA Inc, CSA-CREDIT SOLUTIONS OF AMERICA LLC |
| US9054408B2 | 0.258 | Removable card for a contactless communication its utilization and the method of production | GRANT | 2015-06-09 | 2008-08-29 | 41259541 | Good | Logomotion sro | SMK Corp |
| US20100030649A1 | 0.258 | METHOD AND SYSTEM FOR BATCH EXECUTION OF VARIABLE INPUT DATA | APPLICATION | 2010-02-04 | 2008-06-27 | 41609297 | Good | Trans Union LLC | Trans Union LLC, Transunion LLC |
| US20070072190A1 | 0.257 | System and method for universal identification of biological humans | APPLICATION | 2007-03-29 | 2002-12-16 | 37894521 | Good | ||
| US20040030621A1 | 0.257 | Method of reconciling credit union corporate accounts | APPLICATION | 2004-02-12 | 2002-08-07 | 31494718 | Good | ||
| US7792725B2 | 0.257 | Investment company that invests in fixed income securities and has conventional and ETF share classes with different dividend payment frequencies | GRANT | 2010-09-07 | 2007-09-20 | 40472757 | Good | Vanguard Group Inc | Vanguard Group Inc |
| US20030037248A1 | 0.257 | Crypto-pointers for secure data storage | APPLICATION | 2003-02-20 | 2001-03-26 | 23066519 | Good | Galois Connections Inc | Galois Inc |
| US20020173994A1 | 0.257 | Method and apparatus for insuring an insured from identity theft peril and identity reclamation and credit restoration | APPLICATION | 2002-11-21 | 2001-05-21 | 25337752 | Good | ||
| US20050055549A1 | 0.257 | Electronic unit provided in a microcircuit card and including cryptographic means for high-speed data processing | APPLICATION | 2005-03-10 | 2001-12-21 | 8870887 | Good | Oberthur Card Systems SA France | Idemia France SAS |
| US20020032611A1 | 0.257 | Methods and systems for sourcing bill of material and data handling configurations software | APPLICATION | 2002-03-14 | 2000-03-06 | 26882778 | Good | ||
| US20100293090A1 | 0.256 | SYSTEMS METHODS AND APPARATUS FOR DETERMINING FRAUD PROBABILITY SCORES AND IDENTITY HEALTH SCORES | APPLICATION | 2010-11-18 | 2009-05-14 | 43069303 | Good | IdentityTruth Inc | IdentityTruth Inc |
| US7761373B2 | 0.256 | Method and system for predicting credit ratings transitions | GRANT | 2010-07-20 | 2008-04-30 | 41257687 | Good | Moodys Investors Service Inc | Moodys Investors Service Inc |
| US20110264531A1 | 0.256 | WATCHING A USER'S ONLINE WORLD | APPLICATION | 2011-10-27 | 2010-04-26 | 44816596 | Good | Yahoo Inc | Excalibur IP LLC, Yahoo Holdings Inc |
| US8977547B2 | 0.255 | Voice recognition system for registration of stable utterances | GRANT | 2015-03-10 | 2009-01-30 | 42395195 | Good | Mitsubishi Electric Corp | Mitsubishi Electric Corp |
| US20040046033A1 | 0.255 | Electronic warranty system and method | APPLICATION | 2004-03-11 | 2002-08-29 | 31990385 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US20100174813A1 | 0.255 | METHOD AND APPARATUS FOR THE MONITORING OF RELATIONSHIPS BETWEEN TWO PARTIES | APPLICATION | 2010-07-08 | 2007-06-06 | 38318821 | Good | CRISP THINKING Ltd | CRISP THINKING Ltd |
| US20060271633A1 | 0.255 | Geographically specific broadcasting system providing advisory alerts of sexual predators | APPLICATION | 2006-11-30 | 2005-05-25 | 37464750 | Good | ||
| US5834756A | 0.255 | Magnetically communicative card | GRANT | 1998-11-10 | 1996-06-03 | 24636011 | Good | Motorola Solutions Inc | Google Technology Holdings LLC |
| US20020035520A1 | 0.255 | Property rating and ranking system and method | APPLICATION | 2002-03-21 | 2000-08-02 | 27585095 | Good | Case Shiller Weiss Inc | Fiserv CSW Inc |
| US20090282479A1 | 0.254 | METHOD AND SYSTEM FOR MISUSE DETECTION | APPLICATION | 2009-11-12 | 2008-05-07 | 41267979 | Good | Cyveillance Inc | Zerofox Inc |
| US8131598B2 | 0.254 | System and method of selecting freight forwarding companies | GRANT | 2012-03-06 | 2003-09-12 | 34434847 | Good | Cartus Corp | Cartus Corp |
| US7509278B2 | 0.253 | Long-term investing | GRANT | 2009-03-24 | 2001-07-16 | 26686821 | Good | ||
| US8060532B2 | 0.253 | Determining suitability of entity to provide products or services based on factors of acquisition context | GRANT | 2011-11-15 | 2009-01-15 | 42337772 | Good | University of Texas System, Performance Accountability LLC | University of Texas System, Performance Accountability LLC |
| US20070012761A1 | 0.253 | Secure personal identification document and system for preventing unauthorized use of same | APPLICATION | 2007-01-18 | 2005-07-18 | 37660788 | Good | ||
| US20050149356A1 | 0.252 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711228 | Good | Cerner Corp | Cerner Corp |
| US20030187768A1 | 0.252 | Virtual finance/insurance company | APPLICATION | 2003-10-02 | 2001-10-03 | 28456895 | Good | ||
| US8260649B2 | 0.252 | Resource planning to handle contact volume across a plurality of contact channels | GRANT | 2012-09-04 | 2007-01-11 | 39618467 | Good | Intuit Inc | Intuit Inc |
| US10567975B2 | 0.250 | Multifactorial optimization system and method | GRANT | 2020-02-18 | 2005-10-04 | 37943336 | Good | ||
| US20090254375A1 | 0.250 | SYSTEM AND METHODS FOR AUTOMATED HEALTHCARE PATIENT RECORD SEARCH EXTRACTION AND CREATION | APPLICATION | 2009-10-08 | 2008-04-08 | 41134074 | Good | Quantum Group Inc | GUILLAMA Noel J |
| US7708196B2 | 0.250 | Modular web-based ASP application for multiple products | GRANT | 2010-05-04 | 2005-10-05 | 37943383 | Good | Dun and Bradstreet Corp | Dun and Bradstreet Corp |
| US20050149379A1 | 0.250 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711227 | Good | Cerner Corp | Cerner Corp |
| US20090228990A1 | 0.249 | SYSTEM AND METHOD FOR PRIVACY PROTECTION USING IDENTIFIABILITY RISK ASSESSMENT | APPLICATION | 2009-09-10 | 2006-07-03 | 38878420 | Good | ||
| US20090043691A1 | 0.249 | SYSTEM AND METHOD FOR GATHERING PROCESSING AUTHENTICATING AND DISTRIBUTING PERSONAL INFORMATION | APPLICATION | 2009-02-12 | 2007-08-06 | 40347416 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20020065902A1 | 0.249 | Webpad and method for using the same | APPLICATION | 2002-05-30 | 2000-09-05 | 26923908 | Good | Simple Devices | Simple Devices, Callahan Cellular LLC, SimpleDevices Inc |
| US20030009411A1 | 0.249 | Interactive grid-based graphical trading system for real time security trading | APPLICATION | 2003-01-09 | 2001-07-03 | 25407903 | Good | ||
| US20110125924A1 | 0.248 | METHOD AND SYSTEM FOR SYNCHRONIZING USER CONTENT IN A SOCIAL NETWORK | APPLICATION | 2011-05-26 | 2009-11-23 | 43928087 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US20080109740A1 | 0.248 | APPARATUS AND METHOD FOR DISPLAYING A VARIETY OF VISUALIZATIONS LINKED TO ONE OR MORE DATA SOURCE QUERIES | APPLICATION | 2008-05-08 | 2006-11-03 | 39361086 | Good | SAP France SA | Business Objects Software Ltd |
| US7925578B1 | 0.248 | Systems and methods for performing scoring optimization | GRANT | 2011-04-12 | 2005-08-26 | 43837198 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US5696907A | 0.247 | System and method for performing risk and credit analysis of financial service applications | GRANT | 1997-12-09 | 1995-02-27 | 23562117 | Good | General Electric Co | General Electric Co |
| US20050154617A1 | 0.247 | System and method for providing global information on risks and related hedging strategies | APPLICATION | 2005-07-14 | 2000-09-30 | 34743844 | Good | Zywave Inc | Zywave Inc |
| EP1850278A1 | 0.247 | Improving portal page personalization offering a direct manipulative window arrangement functionality | GRANT | 2007-10-31 | 2006-04-26 | 38001736 | Good | SAP SE | SAP SE |
| US6481623B1 | 0.247 | Card reader for transmission of data by sound | GRANT | 2002-11-19 | 1998-08-03 | 22432075 | Good | Privicom Inc | Privicom Inc |
| US20080172324A1 | 0.247 | System and method for modifying criteria used with decision engines | APPLICATION | 2008-07-17 | 2004-08-03 | 39618505 | Good | Zoot Enterprises Inc | Zoot Enterprises Inc |
| US20030236738A1 | 0.247 | Replicated derivatives having demand-based adjustable returns and trading exchange therefor | APPLICATION | 2003-12-25 | 1999-07-21 | 33563611 | Good | Longitude Inc | Longitude LLC |
| US20020147669A1 | 0.247 | System and method for offering a financial product | APPLICATION | 2002-10-10 | 2001-01-19 | 26949576 | Good | Chase Manhattan Bank NA | JPMorgan Chase Bank NA |
| US8937526B2 | 0.246 | Method and apparatus for a merged power-communication cable in door security environment | GRANT | 2015-01-20 | 2005-02-04 | 36778032 | Good | ||
| US7702576B2 | 0.246 | Apparatus and method for simulating an analytic value chain | GRANT | 2010-04-20 | 2005-08-09 | 37758137 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20040111358A1 | 0.245 | Enhanced parimutuel wagering | APPLICATION | 2004-06-10 | 1999-07-21 | 34216340 | Good | Longitude Inc | Longitude LLC |
| US7672833B2 | 0.245 | Method and apparatus for automatic entity disambiguation | GRANT | 2010-03-02 | 2005-09-22 | 37885404 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20050137899A1 | 0.244 | Method and system for linking business entities | APPLICATION | 2005-06-23 | 2003-12-23 | 34678910 | Good | Dun and Bradstreet Inc | Dun and Bradstreet Inc |
| US20130321585A1 | 0.244 | System and Method for 3D Imaging using Structured Light Illumination | APPLICATION | 2013-12-05 | 2003-05-21 | 46465532 | Good | University of Kentucky Research Foundation | University of Kentucky Research Foundation |
| US20030115133A1 | 0.244 | Higher risk score for identifying potential illegality in business-to-business relationships | APPLICATION | 2003-06-19 | 2001-12-13 | 21803199 | Good | Dun and Bradstreet Inc | Dun and Bradstreet Inc |
| US20040243506A1 | 0.244 | System and method for offering risk-based interest rates in a credit instrument | APPLICATION | 2004-12-02 | 2003-05-30 | 33451438 | Good | Chase Manhattan Bank USA NA | JPMorgan Chase Bank NA |
| US20050027632A1 | 0.243 | Financial investment advice system and method | APPLICATION | 2005-02-03 | 2003-07-31 | 34107982 | Good | UBS Financial Services Inc | UBS Financial Services Inc |
| US20020161664A1 | 0.242 | Intelligent performance-based product recommendation system | APPLICATION | 2002-10-31 | 2000-10-18 | 22910565 | Good | Johnson and Johnson Consumer Companies LLC | Johnson and Johnson Consumer Inc |
| US5689651A | 0.242 | System for processing and displaying financial information | GRANT | 1997-11-18 | 1994-10-13 | 23254814 | Good | BLUE WATER PARTNERS Inc | BLUE WATER PARTNERS Inc |
| US8285656B1 | 0.242 | Systems and methods for data verification | GRANT | 2012-10-09 | 2007-03-30 | 46964309 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20090125369A1 | 0.242 | SYSTEM AND METHOD FOR ANALYZING AND DISPOSITIONING MONEY LAUNDERING SUSPICIOUS ACTIVITY ALERTS | APPLICATION | 2009-05-14 | 2007-10-26 | 40624630 | Good | Crowe Horwath LLP | Crowe Horwath LLP |
| US6938011B1 | 0.241 | Click based trading with market depth display | GRANT | 2005-08-30 | 2000-03-02 | 34713347 | Good | Trading Technologies International Inc | Trading Technologies International Inc |
| US5809322A | 0.241 | Apparatus and method for signal processing | GRANT | 1998-09-15 | 1993-12-12 | 26322747 | Good | Associative Computing Ltd | Asp Solutions Ltd, Gsi Technology Israel Ltd |
| US20030063782A1 | 0.240 | Method and apparatus to reduce false minutiae in a binary fingerprint image | APPLICATION | 2003-04-03 | 2001-09-13 | 25492701 | Good | Intel Corp | INDIAN STATISTICAL INSTITUTE, Intel Corp, INDIAN STATISTICAL INSTITUTE |
| US6014645A | 0.240 | Real-time financial card application system | GRANT | 2000-01-11 | 1996-04-19 | 24547375 | Good | Block Financial Corp | Block Financial LLC |
| US20010044729A1 | 0.240 | Automated complaint management system | APPLICATION | 2001-11-22 | 2000-04-05 | 27539486 | Good | ||
| US20080040475A1 | 0.239 | Systems and methods for measuring user affinity in a social network environment | APPLICATION | 2008-02-14 | 2006-08-11 | 39052157 | Good | Facebook Inc | Facebook Inc |
| US20040267714A1 | 0.237 | Method and system for computerized creating maintaining updating and querying inventory database over the internet for the locations and the obiects with time-dependent and time-independent attributes | APPLICATION | 2004-12-30 | 2003-06-27 | 33540049 | Good | VIP DATA SOLUTIONS Inc | VIP DATA SOLUTIONS Inc |
| US7308417B1 | 0.237 | Method for creating and displaying a multi-dimensional business model comparative static | GRANT | 2007-12-11 | 2001-03-12 | 38792948 | Good | Micro Focus Software Inc | EMC Corp |
| US7880728B2 | 0.237 | Application switching via a touch screen interface | GRANT | 2011-02-01 | 2006-06-29 | 38876103 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20050264303A1 | 0.236 | Radiation monitoring of body part sizing and use of such sizing for person monitoring | APPLICATION | 2005-12-01 | 2004-02-12 | 35424521 | Good | ||
| US7107241B1 | 0.236 | System and method for processing a secured collateral loan | GRANT | 2006-09-12 | 2000-03-10 | 36951917 | Good | Lenders Residential Asset Co LLC | Lenders Residential Asset Co LLC |
| US20020138470A1 | 0.236 | System and method of personal and business web cards | APPLICATION | 2002-09-26 | 2001-03-21 | 25213271 | Good | Inter China Network Software Co Ltd | Inter China Network Software Co Ltd, Oath Inc |
| US20010027413A1 | 0.236 | System software and method of evaluating buying and selling consumer's present and potential buying power through a clearing house | APPLICATION | 2001-10-04 | 2000-02-23 | 26880420 | Good | ||
| WO1999046710A1 | 0.235 | COMPUTER SYSTEM AND PROCESS FOR A CREDIT-DRIVEN ANALYSIS OF ASSET-BACKED SECURITIES | APPLICATION | 1999-09-16 | 1998-03-12 | 21916846 | Good | ||
| US7836111B1 | 0.235 | Detecting change in data | GRANT | 2010-11-16 | 2005-01-31 | 43065952 | Good | Hewlett Packard Development Co LP | Hewlett Packard Enterprise Development LP |
| US20060277089A1 | 0.235 | Dynamically configuring a role-based collaborative space | APPLICATION | 2006-12-07 | 2005-06-03 | 37495283 | Good | International Business Machines Corp | International Business Machines Corp |
| US20090157936A1 | 0.234 | INTERRUPT MORPHING AND CONFIGURATION CIRCUITS SYSTEMS AND PROCESSES | APPLICATION | 2009-06-18 | 2007-12-13 | 40754770 | Good | Texas Instruments Inc | Texas Instruments Inc |
| US7689451B2 | 0.234 | Systems and methods for marketing financial products and services | GRANT | 2010-03-30 | 2001-12-12 | 21754694 | Good | Capital One Financial Corp | Capital One Services LLC |
| US20100094910A1 | 0.233 | METHOD AND SYSTEM FOR LINKING AND DELINKING DATA RECORDS | APPLICATION | 2010-04-15 | 2003-02-04 | 41581407 | Good | Seisint Inc | LexisNexis Risk Data Management Inc |
| US20070160019A1 | 0.233 | Method and apparatus for implementing spatial division multiple access ("SDMA") to communicate user data and backhaul data with the same wireless time-frequency resources | APPLICATION | 2007-07-12 | 2006-01-12 | 38232668 | Good | Motorola Solutions Inc | Google Technology Holdings LLC |
| US20100017209A1 | 0.232 | RANDOM VOICEPRINT CERTIFICATION SYSTEM RANDOM VOICEPRINT CIPHER LOCK AND CREATING METHOD THEREFOR | APPLICATION | 2010-01-21 | 2006-12-07 | 39547491 | Good | Top Digital Co Ltd | Top Digital Co Ltd |
| US20080133278A1 | 0.232 | Method and system for providing multi-credit card insurance | APPLICATION | 2008-06-05 | 2002-03-29 | 39476926 | Good | Intersections Inc | Intersections Inc |
| US20100094768A1 | 0.232 | Fraud Detection and Analysis System | APPLICATION | 2010-04-15 | 2008-06-12 | 41417148 | Good | Guardian Analytics Inc | Guardian Analytics Inc |
| US20080015919A1 | 0.232 | Methods systems and computer program products for financial analysis and data gathering | APPLICATION | 2008-01-17 | 2006-07-14 | 38950368 | Good | SAP SE | SAP SE |
| US7310618B2 | 0.231 | Automated loan evaluation system | GRANT | 2007-12-18 | 2000-02-22 | 37768333 | Good | Lehman Brothers Inc | Lehman Brothers Inc, Lehman Brothers Bank FSB |
| US7395273B2 | 0.229 | System providing receipt inspection reporting | GRANT | 2008-07-01 | 2002-10-31 | 29248109 | Good | General Electric Co | General Electric Co |
| US20130191270A1 | 0.229 | Method for Generating Dynamic and Collaborative Pricing Offers in a Financial Platform Environment | APPLICATION | 2013-07-25 | 2001-10-04 | 26949968 | Good | H O M E Mortgage Card LLC | H O M E Mortgage Card LLC |
| US20050096950A1 | 0.229 | Method and apparatus for creating and evaluating strategies | APPLICATION | 2005-05-05 | 2003-10-29 | 34550489 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20080026752A1 | 0.228 | METHOD AND APPARATUS FOR MAINTAINING CALL CONTINUITY IN WIRELESS COMMUNICATION | APPLICATION | 2008-01-31 | 2006-06-27 | 38846517 | Good | Qualcomm Inc | Qualcomm Inc |
| US20040138995A1 | 0.228 | Preparation of an advanced report for use in assessing credit worthiness of borrower | APPLICATION | 2004-07-15 | 2002-10-16 | 32717301 | Good | Fidelity National Financial Inc | Fidelity National Information Solutions Inc, Fidelity National Financial Inc |
| US8005759B2 | 0.228 | System and method for providing a score for a used vehicle | GRANT | 2011-08-23 | 2006-08-17 | 39083156 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US20030036995A1 | 0.228 | Credit/financing process | APPLICATION | 2003-02-20 | 2001-08-16 | 27495366 | Good | Mortgage Grader Inc | Mortgage Grader Inc |
| US20050197169A1 | 0.227 | Battery pack having a dual-type smart card interface | APPLICATION | 2005-09-08 | 2002-08-12 | 32025999 | Good | Info Trust Inc | Info Trust Inc |
| US7249076B1 | 0.227 | Method for providing credit offering and credit management information services | GRANT | 2007-07-24 | 2001-05-14 | 38266950 | Good | Compucredit Intellectual Property Holdings Corp III | Compucredit Intellectual Property Holdings Corp II |
| US5905873A | 0.226 | System and method of routing communications data with multiple protocols using crossbar switches | GRANT | 1999-05-18 | 1997-01-16 | 25130715 | Good | Advanced Micro Devices Inc | GlobalFoundries Inc |
| US20040039586A1 | 0.226 | Method and apparatus for monitoring events concerning record subjects on behalf of third parties | APPLICATION | 2004-02-26 | 2002-03-13 | 28041979 | Good | ||
| US8055579B2 | 0.225 | Methods and systems for score consistency | GRANT | 2011-11-08 | 2008-02-06 | 40932601 | Good | VantageScore Solutions LLC | VantageScore Solutions LLC |
| US20080140780A1 | 0.224 | SYSTEM AND METHOD FOR ENHANCED EXPERIENCE WITH A PEER TO PEER NETWORK | APPLICATION | 2008-06-12 | 2006-11-07 | 39365107 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US8126820B1 | 0.222 | Community to support the definition and sharing of source trust level configurations | GRANT | 2012-02-28 | 2007-01-30 | 45694541 | Good | Intuit Inc | Intuit Inc |
| US20080059352A1 | 0.222 | SYSTEMS AND METHODS OF RANKING A PLURALITY OF CREDIT CARD OFFERS | APPLICATION | 2008-03-06 | 2006-08-31 | 39153147 | Good | Experian Interactive Innovation Center LLC | Cpl Assets LLC, Metareward Inc |
| US20060106670A1 | 0.222 | System and method for interactively and progressively determining customer satisfaction within a networked community | APPLICATION | 2006-05-18 | 2004-11-15 | 36387560 | Good | ||
| US20040111363A1 | 0.222 | Method and system for enhancing credit line management price management and other discretionary levels setting for financial accounts | APPLICATION | 2004-06-10 | 2002-11-18 | 45034492 | Good | First USA Bank NA | JPMorgan Chase Bank NA, Chase Bank USA NA |
| US5262941A | 0.221 | Expert credit recommendation method and system | GRANT | 1993-11-16 | 1990-03-30 | 23999679 | Good | ITT Corp | Deutsche Financial Services Corp |
| US20020045154A1 | 0.221 | Method and system for determining personal characteristics of an individaul or group and using same to provide personalized advice or services | APPLICATION | 2002-04-18 | 2000-06-22 | 22796249 | Good | EECAD Inc | ADVISOR TEAMCOM Inc, EECAD Inc, ADVISOR TEAMCOM Inc |
| US20090119199A1 | 0.220 | Loan determination method and apparatus | APPLICATION | 2009-05-07 | 2007-11-07 | 40589169 | Good | NameYourLoan | NameYourLoan |
| US7899757B1 | 0.220 | Mechanism for indicating and resolving the trust level of information | GRANT | 2011-03-01 | 2007-01-30 | 43617383 | Good | Intuit Inc | Intuit Inc |
| EP2151793A1 | 0.220 | Method for compiling a series of weighted areas of interest of a user of a plurality of social computer networks and system therefor | GRANT | 2010-02-10 | 2008-08-07 | 40494924 | Good | A Stroeve Beheer BV | A Stroeve Beheer BV |
| US8280789B2 | 0.219 | Method of billing a client for using a computerized numerical control machine | GRANT | 2012-10-02 | 2007-02-15 | 39707492 | Good | Siemens AG | Siemens AG |
| US20020052836A1 | 0.219 | Method and apparatus for determining a prepayment score for an individual applicant | APPLICATION | 2002-05-02 | 2000-08-31 | 22859232 | Good | Marketswitch Corp | Experian Information Solutions LLC |
| US20050006462A1 | 0.218 | Security system | APPLICATION | 2005-01-13 | 2003-07-10 | 33568834 | Good | Callahan Cellular LLC | ROUILLE TECHNOLOGIES LLC |
| US7120599B2 | 0.218 | Methods and systems for modeling using classification and regression trees | GRANT | 2006-10-10 | 1999-12-30 | 26869820 | Good | GE Capital Commercial Finance Inc | General Electric Co |
| US20070055621A1 | 0.218 | Automated method and system for predicting and/or verifying income | APPLICATION | 2007-03-08 | 2005-09-01 | 37831134 | Good | First Advantage Corp | FIRST ADVANTAGES Corp, First Advantage Corp |
| US20060277102A1 | 0.218 | System and Method for Generating Effective Advertisements in Electronic Commerce | APPLICATION | 2006-12-07 | 2005-06-06 | 37499064 | Good | Better Inc | Better Inc |
| US7797224B2 | 0.218 | Systems and methods for automatically backing out by orders | GRANT | 2010-09-14 | 2006-12-29 | 39585324 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US20020032645A1 | 0.217 | System and method for score calculation | APPLICATION | 2002-03-14 | 2000-09-13 | 18768088 | Good | Hitachi Ltd | Hitachi Ltd |
| US20060052055A1 | 0.217 | Electronic near field communication enabled multifunctional device and method of its operation | APPLICATION | 2006-03-09 | 2004-09-08 | 35996866 | Good | Nokia Oyj | Nokia Technologies Oy |
| US20110167011A1 | 0.217 | DYNAMIC EMPLOYEE SECURITY RISK SCORING | APPLICATION | 2011-07-07 | 2010-01-04 | 44225301 | Good | Bank of America Corp | Bank of America Corp |
| US20050010513A1 | 0.216 | Security-to-entity crosswalk | APPLICATION | 2005-01-13 | 2003-06-13 | 33544375 | Good | Standard and Poors a division of McGraw Hill Co, Telekurs USA Inc, Dun and Bradstreet Inc | Standard and Poors a division of McGraw Hill Co, Telekurs USA Inc, Dun and Bradstreet Inc |
| US6045043A | 0.215 | Contact/contactless data transaction card | GRANT | 2000-04-04 | 1996-12-31 | 11069647 | Good | On Track Innovations Ltd | On Track Innovations Ltd |
| US20080120569A1 | 0.215 | System and method for providing dynamic user information in an interactive display | APPLICATION | 2008-05-22 | 2003-04-25 | 33299162 | Good | Microsoft Technology Licensing LLC | Microsoft Technology Licensing LLC |
| US9026440B1 | 0.215 | Method for identifying speech and music components of a sound signal | GRANT | 2015-05-05 | 2009-07-02 | 52996377 | Good | ||
| US20050137963A1 | 0.215 | Stock purchase indices | APPLICATION | 2005-06-23 | 1999-05-20 | 26833047 | Good | Ameritrade Holding Corp | TD Ameritrade IP Co Inc |
| US7970796B1 | 0.215 | Method and system for importing data to a repository | GRANT | 2011-06-28 | 2006-12-01 | 44169491 | Good | Intuit Inc | Intuit Inc |
| US7873563B2 | 0.214 | Systems and methods for automatically backing out buy orders | GRANT | 2011-01-18 | 2006-12-29 | 39585323 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US20070205266A1 | 0.214 | Method and system for reporting identity document usage | APPLICATION | 2007-09-06 | 2003-10-17 | 46324993 | Good | Digimarc Corp | L 1 Secure Credentialing LLC |
| US20050080761A1 | 0.214 | Data path media security system and method in a storage area network | APPLICATION | 2005-04-14 | 2002-10-18 | 34425730 | Good | NeoScale Systems | NeoScale Systems |
| US8225270B2 | 0.214 | Technique for managing the process of developing software | GRANT | 2012-07-17 | 2007-06-12 | 40133530 | Good | Intuit Inc | Intuit Inc |
| US20020165839A1 | 0.214 | Segmentation and construction of segmentation classifiers | APPLICATION | 2002-11-07 | 2001-03-14 | 23054219 | Good | Battelle Memorial Institute Inc | Battelle Memorial Institute Inc |
| US7711636B2 | 0.213 | Systems and methods for analyzing data | GRANT | 2010-05-04 | 2006-03-10 | 38480111 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC, Experian Scorex LLC |
| US20020032635A1 | 0.213 | Systems and methods for monitoring credit of trading couterparties | APPLICATION | 2002-03-14 | 2000-01-06 | 22637978 | Good | Espeed Inc | BGC Partners LP |
| US20070112667A1 | 0.213 | System and method for providing a fraud risk score | APPLICATION | 2007-05-17 | 2005-10-31 | 38006467 | Good | Dun and Bradstreet Corp | Dun and Bradstreet Corp, Dun and Bradstreet Inc |
| US20030163435A1 | 0.212 | Credit repair services system | APPLICATION | 2003-08-28 | 2002-02-22 | 27753420 | Good | PAVONE BERNADINO | PAVONE BERNADINO, NATIONAL CREDIT EDUCATION AND REVIEW Inc |
| US20050171983A1 | 0.212 | Smart card with volatile memory file subsystem | APPLICATION | 2005-08-04 | 2000-11-27 | 34807402 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20100153290A1 | 0.212 | Methods of matching job profiles and candidate profiles | APPLICATION | 2010-06-17 | 2008-12-12 | 42241712 | Good | ||
| US20060064306A1 | 0.211 | On-line credit information system | APPLICATION | 2006-03-23 | 2002-11-25 | 32391124 | Good | ||
| US20050251474A1 | 0.209 | Method of financing home ownership for sub prime prospective home buyers | APPLICATION | 2005-11-10 | 2003-12-31 | 35240577 | Good | ||
| US9020816B2 | 0.209 | Hidden markov model for speech processing with training method | GRANT | 2015-04-28 | 2008-08-14 | 41669315 | Good | 21CT Inc | 21CT Inc |
| US20070073577A1 | 0.209 | System and Method of Real Estate Market Growth Analysis and Display | APPLICATION | 2007-03-29 | 2004-02-27 | 46326502 | Good | Terradatum Inc | Terradatum Inc |
| US20070136109A1 | 0.208 | Systems and Methods for Customizing Homeowner's Insurance | APPLICATION | 2007-06-14 | 2004-11-19 | 38169298 | Good | Allstate Insurance Co | Allstate Insurance Co |
| US7856203B2 | 0.207 | System for inhibiting texting and similar distractions while driving moving vehicles | GRANT | 2010-12-21 | 1999-08-27 | 42731136 | Good | CourteousCellphones (Texas) LLC | CourteousCellphones LLC |
| US6195738B1 | 0.207 | Combined associative processor and random access memory architecture | GRANT | 2001-02-27 | 1993-12-12 | 43706126 | Good | Associative Computing Ltd | Gsi Technology Israel Ltd |
| US20140019333A1 | 0.206 | Methods and Systems for Segmentation Using Multiple Dependent Variables | APPLICATION | 2014-01-16 | 2007-03-12 | 49914827 | Good | VantageScore Solutions LLC | VantageScore Solutions LLC |
| US20060212386A1 | 0.206 | Credit scoring method and system | APPLICATION | 2006-09-21 | 2005-03-15 | 36992410 | Good | BRIDGEFORCE Inc, Global Analytics Inc | BRIDGEFORCE Inc, Global Analytics Inc |
| US6402029B1 | 0.205 | Method and apparatus for combining data for multiple magnetic stripe cards or other sources | GRANT | 2002-06-11 | 1998-05-29 | 22203642 | Good | E Micro Corp | Stripe Inc |
| US20100306834A1 | 0.205 | SYSTEMS AND METHODS FOR MANAGING SECURITY AND/OR PRIVACY SETTINGS | APPLICATION | 2010-12-02 | 2009-05-19 | 42988393 | Good | International Business Machines Corp | International Business Machines Corp |
| US20050027983A1 | 0.205 | Integrated verification system | APPLICATION | 2005-02-03 | 2003-08-01 | 34104528 | Good | ||
| US4736751A | 0.205 | Brain wave source network location scanning method and system | GRANT | 1988-04-12 | 1986-12-16 | 25477718 | Good | EEG SYSTEMS LABS | EEG SYSTEMS LABORATORY A CORP OF CA, EEG SYSTEMS LABS |
| US20080027841A1 | 0.204 | System for integrating enterprise performance management | APPLICATION | 2008-01-31 | 2002-01-16 | 38987544 | Good | Asset Trust Inc | Eder Jeffrey, Asset Trust Inc |
| US5857174A | 0.202 | Real estate appraisal method and device for standardizing real property marketing analysis by using pre-adjusted appraised comparable sales | GRANT | 1999-01-05 | 1997-11-21 | 25523038 | Good | ||
| US20090228295A1 | 0.201 | Method for automatically establishing an identification theft recovery service based on the purchase of an item | APPLICATION | 2009-09-10 | 2008-02-08 | 41054566 | Good | ||
| US6286005B1 | 0.201 | Method and apparatus for analyzing data and advertising optimization | GRANT | 2001-09-04 | 1998-03-11 | 21899617 | Good | Cannon Holdings LLC | Nielsen Co US LLC |
| US20050041812A1 | 0.199 | Method and system for stateful storage processing in storage area networks | APPLICATION | 2005-02-24 | 2002-10-18 | 34197661 | Good | NeoScale Systems Inc | NeoScale Systems Inc, NeoScale Systems |
| US20080228775A1 | 0.199 | Youth communities in a geo-spatial environment | APPLICATION | 2008-09-18 | 2007-03-15 | 39763695 | Good | Fatdoor Inc | Google LLC |
| US20030085288A1 | 0.198 | Contactless SIM card carrier with detachable antenna and carrier therefore | APPLICATION | 2003-05-08 | 2001-11-06 | 26847309 | Good | Quadnovation Inc | Quadnovation Inc |
| US6766304B2 | 0.198 | Click based trading with intuitive grid display of market depth | GRANT | 2004-07-20 | 2000-03-02 | 26881974 | Good | Trading Technologies International Inc | Trading Technologies International Inc |
| US20040044617A1 | 0.198 | Methods and systems for enterprise risk auditing and management | APPLICATION | 2004-03-04 | 2002-09-03 | 34192945 | Good | ||
| US20040122681A1 | 0.196 | Displaying strengths of social relationships between a user and other people | APPLICATION | 2004-06-24 | 2002-12-19 | 32593250 | Good | International Business Machines Corp | International Business Machines Corp |
| US20080312969A1 | 0.195 | SYSTEM AND METHOD FOR INSURANCE UNDERWRITING AND RATING | APPLICATION | 2008-12-18 | 2007-04-20 | 40133176 | Good | Carfax Inc | Carfax Inc |
| US3713148A | 0.195 | TRANSPONDER APPARATUS AND SYSTEM | GRANT | 1973-01-23 | 1970-05-21 | 21904786 | Good | COMMUNICATIONS SERVICES CORP I | COMMUNICATIONS SERVICES CORP I |
| US20100082476A1 | 0.193 | COMPREHENSIVE METHOD FOR INCREASING CREDIT SCORES | APPLICATION | 2010-04-01 | 2008-10-01 | 42058497 | Good | ||
| US20040153437A1 | 0.192 | Support apparatus method and system for real time operations and maintenance | APPLICATION | 2004-08-05 | 2003-01-30 | 32776187 | Good | Kellogg Brown and Root LLC | Landmark Graphics Corp |
| US20060195351A1 | 0.192 | Internet-based system and method for leasing rental property to a prospective tenant based on criminal history | APPLICATION | 2006-08-31 | 2005-02-07 | 36932936 | Good | CORELOGIC SAFERENT Inc | CORELOGIC SAFERENT Inc |
| US20050102209A1 | 0.192 | Method and system for computing personal and business financial information | APPLICATION | 2005-05-12 | 2003-11-12 | 34552457 | Good | TM Acquisition Corp | REALOGY OPERATIONS LLC |
| US20040039688A1 | 0.191 | System and method for monitoring managing and valuing credit accounts | APPLICATION | 2004-02-26 | 2001-10-05 | 31888194 | Good | Argus Information and Advisory Services LLC | Argus Information and Advisory Services LLC |
| US20030161469A1 | 0.189 | Method and apparatus for embedding data in compressed audio data stream | APPLICATION | 2003-08-28 | 2002-02-25 | 27753112 | Good | Panasonic Corp | Panasonic Corp |
| US7672865B2 | 0.189 | Method and apparatus for retail data mining using pair-wise co-occurrence consistency | GRANT | 2010-03-02 | 2005-10-21 | 37997676 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US7177441B2 | 0.188 | System and method for secret communication | GRANT | 2007-02-13 | 2002-12-09 | 32468530 | Good | International Business Machines Corp | International Business Machines Corp |
| US20040199775A1 | 0.188 | Method and device for computer-based processing a template minutia set of a fingerprint and a computer readable storage medium | APPLICATION | 2004-10-07 | 2001-05-09 | 20428932 | Good | Nanyang Technological University | Nanyang Technological University |
| US20050240578A1 | 0.187 | Litigation management system and method of providing the same | APPLICATION | 2005-10-27 | 2004-04-27 | 35137710 | Good | CASEKNOWLEDGE LLC | CASEKNOWLEDGE LLC |
| US20080021802A1 | 0.185 | METHOD FOR PROVIDING CREDIT OFFERING AND CREDIT MANAGEMENT INFORMATION SERVICES | APPLICATION | 2008-01-24 | 2001-05-14 | 46329036 | Good | CC SERVE Corp | CC SERVE Corp |
| US20130246254A1 | 0.184 | SYSTEMS AND METHODS FOR MAKING STRUCTURED REFERENCE CREDIT DECISIONS | APPLICATION | 2013-09-19 | 2007-07-04 | 40226553 | Good | Global Analytics Inc | Gain Credit Holdings Inc |
| US5361201A | 0.184 | Real estate appraisal using predictive modeling | GRANT | 1994-11-01 | 1992-10-19 | 25507885 | Good | HNC Inc | FIRST AMERICAN CORELOGIC HOLIDNGS Inc, CoreLogic Solutions LLC, HNC Software Inc |
| US5884287A | 0.184 | System and method for generating and displaying risk and return in an investment portfolio | GRANT | 1999-03-16 | 1996-04-12 | 26687356 | Good | LFG Inc | LFG Inc |
| US20140046872A1 | 0.182 | METHOD OF COMBINING DEMOGRAPHY MONETARY POLICY METRICS AND FISCAL POLICY METRICS FOR SECURITY SELECTION WEIGHTING AND ASSET ALLOCATION | APPLICATION | 2014-02-13 | 2002-06-03 | 50066939 | Good | Research Affiliates LLC | Research Affiliates LLC |
| US20050102498A1 | 0.182 | Data storage and/or retrieval | APPLICATION | 2005-05-12 | 2003-11-07 | 34552049 | Good | Decru Inc | NetApp Inc |
| US20110029566A1 | 0.182 | PROVIDING AND MANAGING PRIVACY SCORES | APPLICATION | 2011-02-03 | 2009-07-31 | 43527986 | Good | International Business Machines Corp | International Business Machines Corp |
| US20030009415A1 | 0.177 | Methods and systems for trading futures contracts for intangible assets | APPLICATION | 2003-01-09 | 2001-05-14 | 26687737 | Good | CFPH LLC | CFPH LLC |
| US8788314B2 | 0.176 | Method and system for facility location optimization | GRANT | 2014-07-22 | 2005-12-30 | 47562355 | Good | AT&T Intellectual Property II LP | AT&T Corp, AT&T Intellectual Property II LP |
| US20040035942A1 | 0.174 | Dynamic virtual magnetic stripe | APPLICATION | 2004-02-26 | 2001-12-07 | 31888450 | Good | ||
| US20040044615A1 | 0.171 | Multiple severity and urgency risk events credit scoring system | APPLICATION | 2004-03-04 | 2002-09-03 | 31977292 | Good | ||
| US20020116247A1 | 0.171 | Public-initiated incident reporting system and method | APPLICATION | 2002-08-22 | 2001-02-15 | 26755232 | Good | ||
| US7536329B2 | 0.169 | Method and apparatus for an incomplete information model of credit risk | GRANT | 2009-05-19 | 2003-01-17 | 32776040 | Good | Barra Inc | Barra Inc |
| US7127424B2 | 0.168 | Click based trading with intuitive grid display of market depth and price consolidation | GRANT | 2006-10-24 | 2000-03-02 | 36698092 | Good | Trading Technologies International Inc | Trading Technologies International Inc |
| US20020087460A1 | 0.167 | Method for identity theft protection | APPLICATION | 2002-07-04 | 2001-01-04 | 26713902 | Good | ||
| US20030105646A1 | 0.166 | Warranty method and system | APPLICATION | 2003-06-05 | 2001-09-20 | 23259740 | Good | ||
| US20080099559A1 | 0.166 | Dual Interface SIM Card Adapter with Detachable Antenna | APPLICATION | 2008-05-01 | 2006-10-31 | 39328929 | Good | Macronix International Co Ltd | Macronix International Co Ltd |
| US20050108631A1 | 0.166 | Method of conducting data quality analysis | APPLICATION | 2005-05-19 | 2003-09-29 | 34576652 | Good | DATA INNOVATIONS | DATA INNOVATIONS |
| US4786791A | 0.166 | Data processing apparatus with portable card having magnetic strip simulator | GRANT | 1988-11-22 | 1987-02-10 | 21757499 | Good | Gateway Technologies Inc | Gateway Technologies Inc |
| US5563783A | 0.165 | Method and system for securities pool allocation | GRANT | 1996-10-08 | 1992-05-13 | 25380232 | Good | Columbia University of New York | Columbia University of New York |
| US7280980B1 | 0.164 | Algorithm for explaining credit scores | GRANT | 2007-10-09 | 2000-08-01 | 38562228 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20020073017A1 | 0.163 | Method and system of presenting data and analysis for use in stock market trading | APPLICATION | 2002-06-13 | 2000-09-05 | 22861622 | Good | Robert Bender Consulting Ltd | Robert Bender Consulting Ltd |
| US20060100954A1 | 0.163 | Automated trading system | APPLICATION | 2006-05-11 | 2004-08-13 | 34980401 | Good | EBS Group Ltd, NEX Group PLC | EBS Group Ltd, CME Group Inc |
| US7340060B2 | 0.162 | System and method for behavioural modelling | GRANT | 2008-03-04 | 2005-10-26 | 38042079 | Good | Black Box Intelligence Ltd | Black Box Intelligence Ltd |
| US20030195830A1 | 0.160 | System method and framework for generating scenarios | APPLICATION | 2003-10-16 | 2002-04-12 | 30116416 | Good | Algorithmics International Corp | International Business Machines Corp |
| US20070124235A1 | 0.158 | Method and system for income estimation | APPLICATION | 2007-05-31 | 2005-11-29 | 38088686 | Good | Citicorp Trust Bank FSB | Citicorp Trust Bank FSB |
| US7769657B2 | 0.155 | Credit index a system and method for structuring a credit index and a system and method for operating a credit index | GRANT | 2010-08-03 | 2001-06-05 | 26969369 | Good | Goldman Sachs and Co LLC | Goldman Sachs and Co LLC |
| US8463892B2 | 0.154 | Method and system for information leak prevention | GRANT | 2013-06-11 | 2005-07-14 | 37695873 | Good | PortAuthority Technologies LLC | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US20040133493A1 | 0.154 | Method and system for comprehensive real estate transaction management | APPLICATION | 2004-07-08 | 2002-11-04 | 32312667 | Good | DYNACONNECTIONS Inc | DYNACONNECTIONS Inc |
| US20030229504A1 | 0.154 | Methods and arrangements for facilitating the processing of real estate information | APPLICATION | 2003-12-11 | 2002-06-10 | 29710814 | Good | REALOGY SERVICES GROUP LLC, REALOGY OPERATIONS LLC | LEADROUTER LLC |
| US20100030677A1 | 0.153 | FRAUD PREVENTION AND REPLACEMENT OF CREDIT/DEBIT CARDS - LOST STOLEN DEFECTIVE OR FRAUDULENTLY USED | APPLICATION | 2010-02-04 | 2008-03-08 | 41609310 | Good | ||
| US7364092B2 | 0.150 | Electronic stripe cards | GRANT | 2008-04-29 | 2005-07-18 | 37669510 | Good | Tyfone Inc | Icashe Inc |
| US20040019549A1 | 0.149 | Method for estimating whether a stock is over-valued or under-valued | APPLICATION | 2004-01-29 | 2002-07-26 | 30770158 | Good | ||
| US20130006843A1 | 0.149 | QUANTATIVE DIVIDENDS METHOD AND SYSTEM | APPLICATION | 2013-01-03 | 2010-04-08 | 44763178 | Good | INVENTION CAPITAL LLP | INVENTION CAPITAL LLP |
| US5608417A | 0.148 | RF transponder system with parallel resonant interrogation series resonant response | GRANT | 1997-03-04 | 1994-09-30 | 23230232 | Good | Palomar Technologies Corp | Assa Abloy AB |
| US20090157564A1 | 0.148 | System and Method for Selecting Securities for Investment | APPLICATION | 2009-06-18 | 2001-08-03 | 40029553 | Good | ||
| US6073856A | 0.147 | Noncontact IC device | GRANT | 2000-06-13 | 1997-09-05 | 26542617 | Good | Dai Nippon Printing Co Ltd | Dai Nippon Printing Co Ltd |
| US20010037289A1 | 0.145 | Methods and systems of identifying processing and credit evaluating low-moderate income populations and reject inferencing of credit applicants | APPLICATION | 2001-11-01 | 2000-04-27 | 27394090 | Good | ||
| US9027839B2 | 0.139 | Security elements for antennas | GRANT | 2015-05-12 | 2006-08-03 | 38542654 | Good | Giesecke and Devrient GmbH | Giesecke and Devrient Mobile Security GmbH |
| US20090258334A1 | 0.137 | Human amalgamation ratiocination process sublimation system | APPLICATION | 2009-10-15 | 2008-04-10 | 41164291 | Good | ||
| US20040030574A1 | 0.133 | System and method of warranting products monitored for proper use | APPLICATION | 2004-02-12 | 2002-08-01 | 31498648 | Good | ||
| US20050171884A1 | 0.132 | Non-capitalization weighted indexing system method and computer program product | APPLICATION | 2005-08-04 | 2004-02-04 | 34811464 | Good | Research Affiliates LLC | Research Affiliates LLC |
| US6115694A | 0.132 | Method for validating specified prices on real property | GRANT | 2000-09-05 | 1995-08-25 | 24068063 | Good | General Electric Co | General Electric Co |
| US7418417B2 | 0.129 | Credit index a system and method for structuring a credit index and a system and method for operating a credit index | GRANT | 2008-08-26 | 2000-02-11 | 27388968 | Good | Goldman Sachs and Co LLC | INTERNATIONAL INDEX Co Ltd, Markit Indices Ltd |
| US3762316A | 0.126 | APPARATUS FOR RECORDING AND PROCESSING CREDIT TRANSACTION DATA | GRANT | 1973-10-02 | 1971-04-07 | 22452219 | Good | ||
| US6173260B1 | 0.125 | System and method for automatic classification of speech based upon affective content | GRANT | 2001-01-09 | 1997-10-29 | 26728824 | Good | Interval Research Corp | Vulcan Patents LLC |
| US7537169B2 | 0.124 | Credit card sized USB flash drive | GRANT | 2009-05-26 | 2006-04-27 | 38426498 | Good | SanDisk Corp | SanDisk Technologies LLC |
| US20070294195A1 | 0.124 | METHODS OF DETERRING DETECTING AND MITIGATING FRAUD BY MONITORING BEHAVIORS AND ACTIVITIES OF AN INDIVIDUAL AND/OR INDIVIDUALS WITHIN AN ORGANIZATION | APPLICATION | 2007-12-20 | 2006-06-14 | 38832764 | Good | ||
| US20060011731A1 | 0.124 | Durable plastic mini card and method for testing its durability | APPLICATION | 2006-01-19 | 2004-07-19 | 35598440 | Good | Gemplus SA | Thales DIS France SA |
| US7403919B2 | 0.121 | System and method for determining the liquidity of a credit | GRANT | 2008-07-22 | 2001-06-05 | 39970418 | Good | Goldman Sachs and Co LLC | INTERNATIONAL INDEX Co Ltd, Markit Indices Ltd |
| WO1996026500A1 | 0.121 | A MAGNETIC STRIPE CARD SIMULATION MEANS SYSTEM AND METHOD | APPLICATION | 1996-08-29 | 1995-02-21 | 19925147 | Good | ||
| US5148365A | 0.115 | Scenario optimization | GRANT | 1992-09-15 | 1989-08-15 | 23557475 | Good | International Business Machines Corp | International Business Machines Corp |
| US20080003882A1 | 0.114 | Super-Digital (SD) Flash Card with Asymmetric Circuit Board and Mechanical Switch | APPLICATION | 2008-01-03 | 2004-08-06 | 46329239 | Good | Super Talent Electronics Inc | Super Talent Electronics Inc |
| US8231061B2 | 0.111 | Contactless device with miniaturized antenna | GRANT | 2012-07-31 | 2009-02-24 | 42630094 | Good | Tyfone Inc | Icashe Inc |
| US20010039523A1 | 0.110 | System and method for supporting provision of rating related service | APPLICATION | 2001-11-08 | 2000-04-28 | 18639023 | Good | Tokio Marine and Fire Insurance Co Ltd | Tokio Marine and Fire Insurance Co Ltd |
| US6202053B1 | 0.109 | Method and apparatus for generating segmentation scorecards for evaluating credit risk of bank card applicants | GRANT | 2001-03-13 | 1998-01-23 | 21753977 | Good | First USA Bank NA | Chase Bank USA NA |
| US5528222A | 0.101 | Radio frequency circuit and memory in thin flexible package | GRANT | 1996-06-18 | 1994-09-09 | 23174512 | Good | International Business Machines Corp | Intermec IP Corp |
| US6721196B1 | 0.099 | Semiconductor memory chip module | GRANT | 2004-04-13 | 1999-06-23 | 7912247 | Good | Giesecke and Devrient GmbH | Giesecke and Devrient Mobile Security GmbH |
| US20080162236A1 | 0.099 | Method for trust management in complex organizations | APPLICATION | 2008-07-03 | 2006-12-28 | 39585258 | Good | ||
| US20040030629A1 | 0.091 | System and method for portfolio valuation using an age adjusted delinquency rate | APPLICATION | 2004-02-12 | 2002-06-17 | 29736613 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US5038782A | 0.090 | Electrode system for brain wave detection | GRANT | 1991-08-13 | 1986-12-16 | 27410313 | Good | Sam Tech Inc | SAM TECHNOLOGY Inc A CORP OF, Sam Tech Inc |
| US20150122888A1 | 0.087 | Check Processing Device | APPLICATION | 2015-05-07 | 2006-12-28 | 39199384 | Good | Seiko Epson Corp | Seiko Epson Corp |
| US20050072595A1 | 0.086 | Method of manufacturing substrate for circuit board and smart label having the substrate | APPLICATION | 2005-04-07 | 2003-10-01 | 34386669 | Good | Samsung Techwin Co Ltd | Hanwha Techwin Co Ltd |
| US20090137152A1 | 0.080 | MEMORY CARD SOCKET | APPLICATION | 2009-05-28 | 2005-10-07 | 37942704 | Good | Panasonic Electric Works Co Ltd | Panasonic Electric Works Co Ltd |
| US20040193535A1 | 0.079 | Global failure risk score | APPLICATION | 2004-09-30 | 2003-03-26 | 32989093 | Good | Dun and Bradstreet Inc | Dun and Bradstreet Inc |
| US7623832B2 | 0.071 | Wireless communication apparatus | GRANT | 2009-11-24 | 2003-03-28 | 33105305 | Good | Fujitsu Ltd | Fujitsu Ltd |
| US11030598B2 | NR | System and method for remote management of sale transaction data | GRANT | 2021-06-08 | 2010-03-02 | 54265393 | Good | Lightspeed Commerce Usa Inc | Lightspeed Commerce Usa Inc |
| KR20110128573A | NR | MOBILE COMMUNICATION TERMINAL AND MOBILE PAYMENT METHOD USING THE SAME MOBILE PAYMENT SYSTEM | APPLICATION | 2011-11-30 | 2010-05-24 | 45396737 | Good | ||
| KR20110112594A | NR | MOBILE COMMUNICATION TERMINAL AND MOBILE RECOMMENDATION PAYMENT METHOD USING THE SAME MOBILE RECOMMENDATION PAYMENT SYSTEM | APPLICATION | 2011-10-13 | 2010-04-07 | 45028218 | Good | ||
| KR20110111801A | NR | MOBILE PAYMENT SYSTEM MOBILE COMMUNICATION TERMINAL USING INSTALLMENT PLAN AND METHOD THEREOF | APPLICATION | 2011-10-12 | 2010-04-05 | 45027753 | Good | ||
| KR20110012270A | NR | METHOD FOR PROCESSING SECURITY NUMBERS USING A VOICE AND A RANDOM VARIABLE KEY ATTANGEMENT AND SYSTEM USING THE SAME | APPLICATION | 2011-02-09 | 2009-07-30 | 43772221 | Good | ||
| KR20020039203A | NR | Method of Searching for a person Using Computer Network. | APPLICATION | 2002-05-25 | 2000-11-20 | 19701015 | Good | ||
| KR20000063313A | NR | No title | APPLICATION | 2000-11-06 | 2000-06-26 | 19674048 | Good | ||
| KR100977654B1 | NR | METHOD FOR SELECTING AND SWITCHING ACCOUNTING MODE AND DEVICE THEREOF | GRANT | 2010-08-24 | 2005-11-03 | 37078241 | Good | ||
| JPH1063740A | NR | METHOD AND DEVICE FOR DIGITALLY ENCODING INDIVIDUAL SIGNATURE | GRANT | 1998-03-06 | 1996-05-30 | 24627674 | Good | ||
| JPH07231367A | NR | PERSONAL COMMUNICATION CHARGING SERVICE DEVICE BY CREDIT CARD | GRANT | 1995-08-29 | 1994-02-17 | 12015871 | Good | ||
| JP2002042031A | NR | AUTHENTICATION METHOD AND SYSTEM THEREFOR AND SETTLEMENT METHOD AND SYSTEM THEREFOR | APPLICATION | 2002-02-08 | 2000-05-18 | 26592159 | Good | ||
| GB2478304A | NR | Secure financial transaction for gift voucher system | GRANT | 2011-09-07 | 2010-03-02 | 42125847 | Good | ENRIA Ltd | ENRIA Ltd |
| GB2477348A | NR | A handheld mobile credit card reader | GRANT | 2011-08-03 | 2010-02-01 | 42084300 | Good | ||
| GB2363889A | NR | Payment method & system using mobile network | GRANT | 2002-01-09 | 2000-04-05 | 18616723 | Good | NEC Corp | NEC Corp |
| GB2347257A | NR | Financial transaction method and system | GRANT | 2000-08-30 | 1999-01-29 | 22903307 | Good | International Business Machines Corp | International Business Machines Corp |
| GB2316908A | NR | Memory card with digitally encoded image of user | GRANT | 1998-03-11 | 1996-09-06 | 10799540 | Good | ||
| GB2171877A | NR | Telephone system | GRANT | 1986-09-03 | 1985-01-13 | 26321398 | Good | ||
| GB2102606A | NR | Apparatus and methods for making payments electronically | GRANT | 1983-02-02 | 1981-06-19 | 26279853 | Good | National Research Development Corp UK | National Research Development Corp UK |
| FR2863811A1 | NR | Information e.g. commercial offer communication system has mobile radiotelephony network and short wave network allowing transfer of coded information between client module and server module by sending chained message | GRANT | 2005-06-17 | 2003-12-16 | 34508683 | Good | MELISSIMA START | MELISSIMA START |
| CN1290373A | NR | System and method of targeted marketing | GRANT | 2001-04-04 | 1997-10-27 | 25501182 | Good | ||
| CN102783084A | NR | Method and system for recharging user terminal account | GRANT | 2012-11-14 | 2010-05-07 | 44903581 | Good | ||
| CA2611595A1 | NR | CREDIT SCORE SIMULATION | GRANT | 2006-12-21 | 2005-06-10 | 37532755 | Good | Experian Scorex LLC | Experian Scorex LLC |
| CA2509842A1 | NR | METHOD AND SYSTEM FOR ENFORCING SECURE NETWORK CONNECTION | GRANT | 2005-12-14 | 2004-06-14 | 35511205 | Good | Hackerproof Security Inc | Hackerproof Security Inc |
| US8810834B2 | 0.675 | Image processing apparatus charging management system charging management method and recording medium | GRANT | 2014-08-19 | 2008-09-19 | 42039219 | Fair | Konica Minolta Inc | Konica Minolta Inc |
| US7305233B2 | 0.644 | Method and apparatus for image distribution using a cellular phone | GRANT | 2007-12-04 | 2004-05-27 | 35426031 | Fair | Exclaim Inc | Synchronoss Technologies Inc |
| US8490126B2 | 0.643 | System and method of restricting access to video content | GRANT | 2013-07-16 | 2006-10-02 | 39304515 | Fair | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US7746496B2 | 0.632 | Method and system for pay per use document transfer via computer network transfer protocols | GRANT | 2010-06-29 | 2000-03-28 | 39705234 | Fair | MongoNet | Advanced Messaging Technologies Inc |
| US8037097B2 | 0.593 | Universal device identifier for globally identifying and binding disparate device identifiers to the same mobile device | GRANT | 2011-10-11 | 2008-05-30 | 41381098 | Fair | Yahoo Inc | Verizon Media Inc |
| US7809398B2 | 0.580 | System and method of storing contact information | GRANT | 2010-10-05 | 2006-03-24 | 38533434 | Fair | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| EP1376398A2 | 0.559 | Proxy server apparatus and method for providing service using the same | GRANT | 2004-01-02 | 2002-06-21 | 29717539 | Fair | Hitachi Ltd | Hitachi Ltd |
| US6073140A | 0.556 | Method and system for the creation enhancement and update of remote data using persistent keys | GRANT | 2000-06-06 | 1997-07-29 | 25416034 | Fair | Acxiom Corp | Acxiom Corp |
| US6085242A | 0.554 | Method for managing a repository of user information using a personalized uniform locator | GRANT | 2000-07-04 | 1999-01-05 | 22845693 | Fair | Open Invention Network LLC | Open Invention Network LLC |
| US7711707B2 | 0.540 | Method for synchronizing and updating bookmarks on multiple computer devices | GRANT | 2010-05-04 | 2005-12-14 | 37603671 | Fair | International Business Machines Corp | Twitter Inc |
| US20120195412A1 | 0.532 | METHOD OF RETRIEVING SERVICE INFORMATION | APPLICATION | 2012-08-02 | 2009-09-30 | 41727992 | Fair | British Telecommunications PLC | British Telecommunications PLC |
| US6810323B1 | 0.522 | System and method for storing and using information associated with geographic locations of interest to a mobile user | GRANT | 2004-10-26 | 2000-09-25 | 24685441 | Fair | Motorola Solutions Inc | Google Technology Holdings LLC |
| US8041127B2 | 0.521 | Method and system for obscuring and securing financial data in an online banking application | GRANT | 2011-10-18 | 2006-11-30 | 39475804 | Fair | Intuit Inc | Intuit Inc |
| US6072894A | 0.518 | Biometric face recognition for applicant screening | GRANT | 2000-06-06 | 1997-10-17 | 25493931 | Fair | Hanger Solutions LLC | Rateze Remote Mgmt LLC |
| US7941560B1 | 0.517 | Client caching of target addresses for network requests | GRANT | 2011-05-10 | 2006-07-14 | 43928365 | Fair | Intuit Inc | Intuit Inc |
| US20020111942A1 | 0.516 | Method and system for providing remote access to the facilities of a server computer | APPLICATION | 2002-08-15 | 1998-11-16 | 26806129 | Fair | Punch Networks Corp | DEEP9 Corp |
| US20070224980A1 | 0.513 | Methods systems and devices for detecting and indicating loss of proximity between mobile devices | APPLICATION | 2007-09-27 | 2006-03-24 | 37807845 | Fair | Sony Mobile Communications AB | Sony Corp |
| US7013310B2 | 0.512 | Method and apparatus for retrieving and processing data | GRANT | 2006-03-14 | 2002-01-03 | 21910325 | Fair | Cashedge Inc | CheckFree Services Corp |
| US20080109528A1 | 0.506 | Method of Providing Content to a Wireless Computing Device | APPLICATION | 2008-05-08 | 2004-12-06 | 34073237 | Fair | Omnifone Ltd | Omnifone Ltd |
| US8838075B2 | 0.505 | Communication system with voice mail access and call by spelling functionality | GRANT | 2014-09-16 | 2008-06-19 | 41431758 | Fair | Intelligent Mechatronic Systems Inc | Value8 Co Ltd |
| US20070220092A1 | 0.503 | SYSTEM APPARATUS AND METHOD FOR ENABLING MOBILITY TO VIRTUAL COMMUNITIES VIA PERSONAL AND GROUP FORUMS | APPLICATION | 2007-09-20 | 2006-02-14 | 38519227 | Fair | Snapvine Inc | WHITEPAGESCOM Inc |
| US8194956B2 | 0.492 | Medical imaging system and related methods | GRANT | 2012-06-05 | 2010-03-31 | 44709731 | Fair | MyLife Global Inc | MED-HOT THERMAL IMAGING Inc, MyLife Global Inc |
| US6775519B1 | 0.492 | Method and apparatus for accounting for user terminal session-based connection to a satellite communication system | GRANT | 2004-08-10 | 1995-06-07 | 32830079 | Fair | Globalstar LP | THERMO FUNDING Co LLC, GLOBALSTAR Inc |
| US7787869B2 | 0.487 | Device method and computer program product for providing enhanced blogging features on a mobile phone | GRANT | 2010-08-31 | 2007-02-26 | 39205139 | Fair | Sony Mobile Communications AB | Sony Mobile Communications AB |
| US8271906B1 | 0.486 | Method and system for using a dynamic cursor area to facilitate user interaction | GRANT | 2012-09-18 | 2008-06-09 | 46800855 | Fair | Intuit Inc | Intuit Inc |
| US20080291932A1 | 0.476 | Multi-protocol digital convergent system | APPLICATION | 2008-11-27 | 2007-05-22 | 40072340 | Fair | ||
| US8432275B2 | 0.475 | Mobile device safety | GRANT | 2013-04-30 | 2008-01-10 | 40850140 | Fair | Cisco Technology Inc | Cisco Technology Inc |
| US20060253620A1 | 0.474 | Data structure of flash memory having system area with variable size in which data can be updated USB memory device having the flash memory and method of controlling the system area | APPLICATION | 2006-11-09 | 2005-05-06 | 37395294 | Fair | IOCELL CO Ltd | LG Electronics Inc, Iocell Corp |
| US6847974B2 | 0.473 | Method and apparatus for intelligent data assimilation | GRANT | 2005-01-25 | 2001-03-26 | 26959353 | Fair | U S Search Com Inc | CRICKET OPERATING Co LLC, Us Searchcom Inc, U S Search Com Inc |
| US20020103933A1 | 0.472 | Internet-access enabled device personalization | APPLICATION | 2002-08-01 | 2001-01-29 | 25088087 | Fair | BLINKCOM | BLINKCOM |
| US7467197B2 | 0.470 | Workflow anywhere: invocation of workflows from a remote device | GRANT | 2008-12-16 | 2005-01-20 | 36046972 | Fair | International Business Machines Corp | International Business Machines Corp |
| US8051074B2 | 0.464 | Method of controlling display of comments | GRANT | 2011-11-01 | 2007-09-12 | 40433017 | Fair | NHN Corp | NHN Corp |
| US5197094A | 0.463 | SYSTEM FOR REMOTELY CREDITING AND BILLING USAGE OF ELECTRONIC ENTERTAINMENT MACHINES | GRANT | 1993-03-23 | 1990-06-15 | 24148624 | Fair | Arachnid Inc | Arachnid Inc |
| US20040225643A1 | 0.462 | Progressive relaxation of search criteria | APPLICATION | 2004-11-11 | 2003-05-08 | 33416810 | Fair | Oracle International Corp | Oracle International Corp |
| US5077582A | 0.457 | PHOTOCOPY MONITORING SYSTEM | GRANT | 1991-12-31 | 1988-05-17 | 26890318 | Fair | Monitel Products Corp | Imaging Portals Inc, International Printer Corp |
| US20090280467A1 | 0.456 | PLATFORM AND METHOD FOR AUTOMATED PHONE EDUCATION | APPLICATION | 2009-11-12 | 2008-05-12 | 41267151 | Fair | ||
| US20090094202A1 | 0.454 | ITEM LOCATION FINDER | APPLICATION | 2009-04-09 | 2007-10-09 | 40524147 | Fair | International Business Machines Corp | International Business Machines Corp |
| US20090094201A1 | 0.454 | ITEM LOCATION FINDER | APPLICATION | 2009-04-09 | 2007-10-09 | 40524146 | Fair | International Business Machines Corp | International Business Machines Corp |
| US8768914B2 | 0.450 | System and method for searching and matching databases | GRANT | 2014-07-01 | 2002-11-08 | 32312875 | Fair | Dun and Bradstreet Inc | Dun and Bradstreet Inc |
| US9183377B1 | 0.449 | Unauthorized account monitoring system and method | GRANT | 2015-11-10 | 2008-06-18 | 54363500 | Fair | Symantec Corp | CAI Software LLC |
| US7870491B1 | 0.448 | System and method for user support based on user interaction histories | GRANT | 2011-01-11 | 2007-04-27 | 43415755 | Fair | Intuit Inc | Intuit Inc |
| US20110252071A1 | 0.447 | Cloud Based Operating and Virtual File System | APPLICATION | 2011-10-13 | 2010-02-22 | 44761697 | Fair | Barracuda Networks Inc | Barracuda Networks Inc |
| US5774885A | 0.445 | System and method for combining individual statements into a single mailing envelope | GRANT | 1998-06-30 | 1995-11-21 | 24241612 | Fair | International Billing Services Inc | DST Output West LLC |
| US7046139B2 | 0.445 | Method and parental control and monitoring of usage of devices connected to home network | GRANT | 2006-05-16 | 2004-04-26 | 35137960 | Fair | Panasonic Corp | Security Video Camera Systems Inc |
| US6629245B1 | 0.438 | Apparatus for stimulating keypad entry of an access code into a keypad type security system | GRANT | 2003-09-30 | 1999-10-22 | 28454936 | Fair | MISSING LINK COMMUNICATIONS | MISSING LINK COMMUNICATIONS |
| US7577934B2 | 0.438 | Framework for modeling and providing runtime behavior for business software applications | GRANT | 2009-08-18 | 2003-03-12 | 32824834 | Fair | Microsoft Corp | ServiceNow Inc |
| US7380137B2 | 0.433 | Content guard system for copy protection of recordable media | GRANT | 2008-05-27 | 1999-07-20 | 32823768 | Fair | Intel Corp, International Business Machines Corp | Intel Corp, International Business Machines Corp |
| US8423285B2 | 0.432 | Enhanced adaptive optimization and presentation of on-line map data | GRANT | 2013-04-16 | 2009-03-05 | 42678972 | Fair | International Business Machines Corp | Airbnb Inc |
| US6704409B1 | 0.432 | Method and apparatus for processing real-time transactions and non-real-time transactions | GRANT | 2004-03-09 | 1997-12-31 | 31886085 | Fair | Aspect Communications Corp | Aspect Communications Corp, Wilmington Trust NA |
| US6832229B2 | 0.432 | System and method for maintaining large-grained database concurrency with a log monitor incorporating dynamically redefinable business logic | GRANT | 2004-12-14 | 2001-03-09 | 25189538 | Fair | Oracle International Corp | Oracle International Corp |
| US8386966B1 | 0.429 | Real-time tracking of user-application interaction | GRANT | 2013-02-26 | 2010-07-22 | 47721372 | Fair | Intuit Inc | Intuit Inc |
| US7016907B2 | 0.424 | Enumerated roles in a directory system | GRANT | 2006-03-21 | 2001-05-29 | 25349922 | Fair | Sun Microsystems Inc | Oracle America Inc |
| US8131777B2 | 0.423 | Method for client-side personalization | GRANT | 2012-03-06 | 2000-06-02 | 34221012 | Fair | Open Text SA | Open Text SA |
| US5034807A | 0.422 | System for evaluation and rewarding of responses and predictions | GRANT | 1991-07-23 | 1986-03-10 | 26888008 | Fair | Response Reward Systems LC | INTERTECH HOLDINGS LLC |
| US6202067B1 | 0.421 | Method and apparatus for correct and complete transactions in a fault tolerant distributed database system | GRANT | 2001-03-13 | 1998-04-07 | 22004804 | Fair | Nokia of America Corp | Nokia of America Corp, WSOU Investments LLC |
| US7904899B2 | 0.420 | Third-party customization of a configuration file | GRANT | 2011-03-08 | 2006-06-20 | 38862973 | Fair | Intuit Inc | Intuit Inc |
| US6026440A | 0.419 | Web server account manager plug-in for monitoring resources | GRANT | 2000-02-15 | 1997-01-27 | 25148426 | Fair | International Business Machines Corp | International Business Machines Corp |
| EP1239378A2 | 0.418 | Method for providing at least one personalized web user page | GRANT | 2002-09-11 | 2001-03-07 | 7676588 | Fair | Deutsche Telekom AG | Deutsche Telekom AG |
| US6223984B1 | 0.416 | Distinct smart card reader having wiegand magnetic strip and bar code types emulation output | GRANT | 2001-05-01 | 1995-03-31 | 23641700 | Fair | Cybermark Inc | BridgePoint Systems Inc |
| US20060240806A1 | 0.416 | Data security device | APPLICATION | 2006-10-26 | 2001-07-18 | 37187575 | Fair | Data Transfer and Communications Ltd | Data Transfer and Communications Ltd |
| US7630941B2 | 0.415 | Performing horological functions in commercial transactions using time cells | GRANT | 2009-12-08 | 2000-10-31 | 34889883 | Fair | International Business Machines Corp | International Business Machines Corp |
| US20090210807A1 | 0.414 | APPARATUS AND METHOD FOR GENERATING AND USING A CUSTOMIZED UNIFORM RESOURCE LOCATOR | APPLICATION | 2009-08-20 | 2008-01-30 | 40946146 | Fair | International Business Machines Corp | International Business Machines Corp |
| US20030224831A1 | 0.413 | Interchangeable covering additions to a mobile communication device for display and key reorientation | APPLICATION | 2003-12-04 | 2001-01-22 | 29587898 | Fair | Wildseed Ltd | SMART SKINS LLC |
| US20030046365A1 | 0.410 | System and method for caching content | APPLICATION | 2003-03-06 | 2001-09-04 | 25483970 | Fair | Schlumberger Technology Corp | Axalto Inc |
| US6334778B1 | 0.410 | Remote psychological diagnosis and monitoring system | GRANT | 2002-01-01 | 1994-04-26 | 27574284 | Fair | Health Hero Network Inc | Robert Bosch Healthcare Systems Inc |
| US20110023115A1 | 0.409 | HOST INTRUSION PREVENTION SYSTEM USING SOFTWARE AND USER BEHAVIOR ANALYSIS | APPLICATION | 2011-01-27 | 2009-07-21 | 43498433 | Fair | Sophos Ltd | Sophos Ltd |
| US6898279B1 | 0.408 | Methods and computer readable media for creating dialing strings useful in an international dial-up session for transferring data | GRANT | 2005-05-24 | 1998-11-30 | 34589673 | Fair | 3Com Corp | HP Inc, Hewlett Packard Enterprise Development LP |
| US6055570A | 0.407 | Subscribed update monitors | GRANT | 2000-04-25 | 1997-04-03 | 25246987 | Fair | Sun Microsystems Inc | Oracle America Inc |
| US7925982B2 | 0.406 | System and method of overlaying and integrating data with geographic mapping applications | GRANT | 2011-04-12 | 2006-09-01 | 39136950 | Fair | ||
| US6970183B1 | 0.405 | Multimedia surveillance and monitoring system including network configuration | GRANT | 2005-11-29 | 2000-06-14 | 35405215 | Fair | e-Watch Inc | e-Watch Inc |
| US7965275B1 | 0.404 | User interface for lenient exception feedback | GRANT | 2011-06-21 | 2006-01-13 | 44147786 | Fair | Intuit Inc | Intuit Inc |
| US20090147774A1 | 0.403 | Multimedia interactive telephony services | APPLICATION | 2009-06-11 | 2007-10-30 | 40721608 | Fair | CounterPath Corp | CounterPath Corp |
| US10796111B2 | 0.403 | Determining an environmental condition of an RFID tag | GRANT | 2020-10-06 | 2009-08-01 | 65138270 | Fair | RFMicron Inc | RFMicron Inc |
| WO2001057720A2 | 0.403 | AUTOMATED CLIENT-SERVER DATA VALIDATION | APPLICATION | 2001-08-09 | 2000-02-04 | 22660471 | Fair | ||
| US6703930B2 | 0.401 | Personal alerting apparatus and methods | GRANT | 2004-03-09 | 2001-10-05 | 29216380 | Fair | Hewlett Packard Development Co LP | INNOVATIVE BUILDING MANAGEMENT SYSTEMS Inc |
| US20060223043A1 | 0.401 | Method of providing and administering a web-based personal financial management course | APPLICATION | 2006-10-05 | 2005-04-01 | 37070960 | Fair | Georgetown University | Georgetown University |
| US6687825B1 | 0.400 | Data processing system and method for protecting data in a hard drive utilizing a signature device | GRANT | 2004-02-03 | 2000-03-17 | 30444281 | Fair | International Business Machines Corp | Lenovo PC International Ltd |
| US6804346B1 | 0.397 | Staged predictive dialing system | GRANT | 2004-10-12 | 1999-07-13 | 33102067 | Fair | Interactive Intelligence Inc | Genesys Telecommunications Laboratories Inc |
| US5612683A | 0.395 | Security key holder | GRANT | 1997-03-18 | 1994-08-26 | 23142406 | Fair | ||
| US9038907B1 | 0.394 | Imaging device and method for validating a document with selectable single side illumination | GRANT | 2015-05-26 | 2007-09-19 | 53176268 | Fair | E Seek Inc | E Seek Inc |
| US20030214775A1 | 0.393 | Portal site server system portal site method and computer-readable storage medium | APPLICATION | 2003-11-20 | 2002-05-15 | 29416930 | Fair | Fujitsu Ltd | Fujitsu Ltd |
| US20050234832A1 | 0.393 | Recording/reproduction device for encrypting and recording data on storage medium and method thereof | APPLICATION | 2005-10-20 | 2004-03-30 | 35050327 | Fair | Sanyo Electric Co Ltd | Sanyo Electric Co Ltd |
| WO2001009752A2 | 0.393 | A SYSTEM METHOD AND ARTICLE OF MANUFACTURE FOR A HOST FRAMEWORK DESIGN IN AN E-COMMERCE ARCHITECTURE | APPLICATION | 2001-02-08 | 1999-07-30 | 23435833 | Fair | ||
| US7685209B1 | 0.393 | Apparatus and method for normalizing user-selected keywords in a folksonomy | GRANT | 2010-03-23 | 2004-09-28 | 42027078 | Fair | Yahoo Inc | R2 Solutions LLC, Altaba Inc |
| US7075571B1 | 0.393 | Digital camera and system for detecting falsification of an image | GRANT | 2006-07-11 | 1999-09-06 | 17226133 | Fair | Seiko Epson Corp | Advanced Interconnect Systems Ltd |
| US10057609B2 | 0.391 | Methods and apparatus for predictive delivery of content over a network | GRANT | 2018-08-21 | 2008-01-30 | 40900581 | Fair | Time Warner Cable Enterprises LLC | Time Warner Cable Enterprises LLC |
| US7620653B1 | 0.391 | Service for retrieving and aggregating data used to generate web pages or other content items | GRANT | 2009-11-17 | 2006-02-01 | 41279736 | Fair | Amazon Technologies Inc | Amazon Technologies Inc |
| US20070273558A1 | 0.390 | DYNAMIC MAP RENDERING AS A FUNCTION OF A USER PARAMETER | APPLICATION | 2007-11-29 | 2005-04-21 | 39615660 | Fair | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20100023506A1 | 0.389 | AUGMENTING ONLINE CONTENT WITH ADDITIONAL CONTENT RELEVANT TO USER INTERESTS | APPLICATION | 2010-01-28 | 2008-07-22 | 41569544 | Fair | Yahoo Inc | R2 Solutions LLC, Altaba Inc |
| US20070219966A1 | 0.389 | DIRECTORY HAVING MULTIPLE LISTING TYPES | APPLICATION | 2007-09-20 | 2006-03-14 | 38519137 | Fair | WHITEPAGESCOM Inc | WHITEPAGESCOM Inc |
| US6607127B2 | 0.389 | Magnetic stripe bridge | GRANT | 2003-08-19 | 2001-09-18 | 25494650 | Fair | ||
| US5884302A | 0.388 | System and method to answer a question | GRANT | 1999-03-16 | 1996-12-02 | 25053539 | Fair | Hanger Solutions LLC | IP LEARN Inc, ProfessorQ Inc |
| US6230188B1 | 0.388 | System and method for providing a proxy identifier in an on-line directory | GRANT | 2001-05-08 | 1998-12-08 | 22770357 | Fair | InfoSpace Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US20040097256A1 | 0.388 | Protective cover | APPLICATION | 2004-05-20 | 2000-08-31 | 7654525 | Fair | Siemens AG | Siemens AG |
| US7239151B2 | 0.386 | Human body: scanning typing and profiling system | GRANT | 2007-07-03 | 1999-12-30 | 30447984 | Fair | Secure Logistix Inc | Secure Logistix, Secure Logistix Inc |
| US7664725B2 | 0.384 | Method and apparatus for transparently mapping a request to open a data file | GRANT | 2010-02-16 | 2006-07-21 | 38972631 | Fair | Intuit Inc | Intuit Inc |
| US20080059447A1 | 0.382 | SYSTEM METHOD AND COMPUTER PROGRAM PRODUCT FOR RANKING PROFILES | APPLICATION | 2008-03-06 | 2006-08-24 | 39107395 | Fair | SPOCK NETWORKS Inc | Peopleconnect Inc, Silicon Valley Bank Inc |
| US7810152B2 | 0.381 | System and method for securely controlling access to device functions | GRANT | 2010-10-05 | 2002-05-08 | 29399689 | Fair | Broadcom Corp | Avago Technologies General IP Singapore Pte Ltd |
| US6523021B1 | 0.381 | Business directory search engine | GRANT | 2003-02-18 | 2000-07-31 | 24522313 | Fair | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20070220581A1 | 0.381 | NETWORK TYPE TELEVISION VIDEO RECORDER | APPLICATION | 2007-09-20 | 2006-02-24 | 38519551 | Fair | APPRO Tech Inc | APPRO Tech Inc |
| US7280983B2 | 0.381 | Information recording medium having reproduction control program recorded thereon and reproduction control program | GRANT | 2007-10-09 | 2002-09-02 | 31986315 | Fair | Pioneer Corp | Pioneer Corp |
| US20040254935A1 | 0.376 | Method and apparatus for automatic consolidation of personalized dynamic data | APPLICATION | 2004-12-16 | 2003-06-12 | 33511010 | Fair | International Business Machines Corp | International Business Machines Corp |
| US7388606B2 | 0.374 | Method and apparatus for creating a digital picture with a watermark as well as removing the watermark from the digital picture | GRANT | 2008-06-17 | 2002-10-02 | 46205444 | Fair | ||
| US20100033310A1 | 0.374 | POWER NEGOTATION FOR SMALL RFID CARD | APPLICATION | 2010-02-11 | 2008-08-08 | 41652381 | Fair | Tyfone Inc | Tyfone Inc |
| US8983042B1 | 0.373 | System to record and analyze voice message usage information | GRANT | 2015-03-17 | 2005-10-13 | 44121943 | Fair | TP Lab Inc | TP Lab Inc |
| US20050080796A1 | 0.372 | Data synchronization between distributed computers | APPLICATION | 2005-04-14 | 2003-10-10 | 29433683 | Fair | International Business Machines Corp | International Business Machines Corp |
| US5640577A | 0.372 | Data processing system with automated at least partial forms completion | GRANT | 1997-06-17 | 1991-12-30 | 25219462 | Fair | Concerto Software Inc | Aspect Software Inc, Wilmington Trust NA |
| US9020117B2 | 0.370 | Performing human client verification over a voice interface | GRANT | 2015-04-28 | 2008-12-23 | 42266124 | Fair | International Business Machines Corp | International Business Machines Corp |
| US6826707B1 | 0.369 | Apparatus and method for remote data recovery | GRANT | 2004-11-30 | 1996-06-18 | 27099802 | Fair | Kroll Ontrack Inc | Kroll Ontrack Inc |
| US6145088A | 0.369 | Apparatus and method for remote data recovery | GRANT | 2000-11-07 | 1996-06-18 | 24680372 | Fair | Ontrack Data International Inc | Kroll Ontrack Inc |
| US7904447B1 | 0.369 | Method and system for directing local data access from a remote system | GRANT | 2011-03-08 | 2008-01-22 | 43639384 | Fair | Intuit Inc | Intuit Inc |
| US6473808B1 | 0.369 | High performance communication controller for processing high speed data streams wherein execution of a task can be skipped if it involves fetching information from external memory bank | GRANT | 2002-10-29 | 1999-04-02 | 23094597 | Fair | Motorola Solutions Inc | Apple Inc |
| US6811082B2 | 0.368 | Advanced magnetic stripe bridge (AMSB) | GRANT | 2004-11-02 | 2001-09-18 | 46280150 | Fair | ||
| US6182068B1 | 0.366 | Personalized search methods | GRANT | 2001-01-30 | 1997-08-01 | 27365894 | Fair | Ask Jeeves Inc | IAC Search and Media Inc |
| US8250081B2 | 0.366 | Resource access filtering system and database structure for use therewith | GRANT | 2012-08-21 | 2007-01-22 | 37846731 | Fair | Websense UK Ltd | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US7788040B2 | 0.365 | System for managing healthcare data including genomic and other patient specific information | GRANT | 2010-08-31 | 2003-12-19 | 34742366 | Fair | Siemens Medical Solutions USA Inc | Siemens Medical Solutions USA Inc |
| US8024660B1 | 0.365 | Method and apparatus for variable help content and abandonment intervention based on user behavior | GRANT | 2011-09-20 | 2007-01-31 | 44587177 | Fair | Intuit Inc | Intuit Inc |
| EP2224375A1 | 0.364 | Power supply for a system including chip card connected to a host device | GRANT | 2010-09-01 | 2009-02-25 | 40910800 | Fair | Vodafone Holding GmbH | Vodafone Holding GmbH |
| US20020133504A1 | 0.363 | Integrating heterogeneous data and tools | APPLICATION | 2002-09-19 | 2000-10-27 | 22921400 | Fair | ENTIGEN Corp | ENTIGEN Corp |
| US7103602B2 | 0.363 | System and method for data management | GRANT | 2006-09-05 | 2000-08-31 | 22863013 | Fair | Kroll Ontrack Inc | Kroll Ontrack Inc |
| US6149441A | 0.361 | Computer-based educational system | GRANT | 2000-11-21 | 1998-11-06 | 22685877 | Fair | Technology for Connecticut Inc | Technology for Connecticut Inc |
| US6233588B1 | 0.361 | System for security access control in multiple regions | GRANT | 2001-05-15 | 1998-12-02 | 22754087 | Fair | Lenel Systems International Inc | Carrier Fire and Security Americas Corp |
| US9513375B2 | 0.361 | Positioning system and method using GPS with wireless access points | GRANT | 2016-12-06 | 2007-11-14 | 40623214 | Fair | Ip3 Series 100 Of Allied Security Trust I | Uber Technologies Inc |
| US20040141005A1 | 0.360 | System and method for integrating online meeting materials in a place | APPLICATION | 2004-07-22 | 2003-01-22 | 32712707 | Fair | International Business Machines Corp | International Business Machines Corp |
| US20030105733A1 | 0.357 | Method and system for incorporating filtered roles in a directory system | APPLICATION | 2003-06-05 | 2001-05-29 | 25350463 | Fair | Sun Microsystems Inc | Oracle America Inc |
| US7549058B1 | 0.354 | Method and apparatus for encrypting and decrypting digital data | GRANT | 2009-06-16 | 2005-06-30 | 37597886 | Fair | MAVs Lab Inc | MAVs Lab Inc |
| US7908242B1 | 0.354 | Systems and methods for optimizing database queries | GRANT | 2011-03-15 | 2005-04-11 | 43708207 | Fair | Experian Information Solutions LLC | Experian Information Solutions LLC |
| WO2006050278A2 | 0.353 | SEARCH SYSTEM AND METHODS WITH INTEGRATION OF USER JUDGMENTS INCLUDING TRUST NETWORKS | APPLICATION | 2006-05-11 | 2004-10-28 | 36319745 | Fair | ||
| US7613600B2 | 0.353 | Unified personalization | GRANT | 2009-11-03 | 2003-12-24 | 34710677 | Fair | SAP SE | SAP SE |
| US20090300604A1 | 0.352 | SYSTEM AND METHOD FOR BUILDING VIRTUAL APPLIANCES USING A REPOSITORY METADATA SERVER AND A DEPENDENCY RESOLUTION SERVICE | APPLICATION | 2009-12-03 | 2008-05-30 | 41381091 | Fair | Micro Focus Software Inc | Oracle International Corp |
| US8261204B1 | 0.351 | Method and system for obtaining form data from a user | GRANT | 2012-09-04 | 2009-01-30 | 46726637 | Fair | Intuit Inc | Intuit Inc |
| US20130296035A1 | 0.350 | System and Method for Game Brokering | APPLICATION | 2013-11-07 | 2008-04-30 | 41342511 | Fair | Scientific Games Holdings Ltd | Scientific Games Holdings Ltd |
| US20090193491A1 | 0.349 | SECURE ELEMENT MANAGER | APPLICATION | 2009-07-30 | 2008-01-24 | 40900586 | Fair | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US6738804B1 | 0.349 | Method and apparatus for enabling sectored data refreshing of Web-site data during session | GRANT | 2004-05-18 | 2000-09-15 | 32298498 | Fair | Yodlee com Inc | Yodlee com Inc |
| US7357305B2 | 0.348 | Bill delivery apparatus for wall-type automated-teller machine | GRANT | 2008-04-15 | 2004-06-29 | 35504536 | Fair | Nautilus Hyosung Inc | Nautilus Hyosung Inc |
| US5423033A | 0.346 | Report generation system and method | GRANT | 1995-06-06 | 1992-09-30 | 25495282 | Fair | Intuit Inc | Intuit Inc |
| US6347375B1 | 0.346 | Apparatus and method for remote virus diagnosis and repair | GRANT | 2002-02-12 | 1998-07-08 | 22341765 | Fair | Ontrack Data International Inc | Kroll Ontrack Inc |
| US20080072316A1 | 0.345 | DYNAMICALLY CONFIGURING EXTENSIBLE ROLE BASED MANAGEABLE RESOURCES | APPLICATION | 2008-03-20 | 2006-08-29 | 39190210 | Fair | International Business Machines Corp | International Business Machines Corp |
| US7966325B2 | 0.343 | System and method for ranking search results using social information | GRANT | 2011-06-21 | 2008-09-24 | 42058583 | Fair | Yahoo Inc | R2 Solutions LLC, Altaba Inc |
| US8155950B1 | 0.342 | Method and system for providing a personalized electronic dictionary and vocabulary builder | GRANT | 2012-04-10 | 2008-11-20 | 45922176 | Fair | Intuit Inc | Intuit Inc |
| US8090794B1 | 0.342 | Technique for customizing displayed content | GRANT | 2012-01-03 | 2008-08-25 | 45374665 | Fair | Intuit Inc | Intuit Inc |
| US7796949B2 | 0.342 | Wireless communications terminal communications protocol switching method communications protocol switching program and integrated circuit of wireless communications terminal | GRANT | 2010-09-14 | 2004-05-21 | 34966893 | Fair | Panasonic Corp | Intertrust Technologies Corp |
| US8229911B2 | 0.342 | Network search engine utilizing client browser activity information | GRANT | 2012-07-24 | 2008-05-13 | 41317106 | Fair | Enpulz LLC | PayPal Inc |
| US5832068A | 0.342 | Data processing system with real time priority updating of data records and dynamic record exclusion | GRANT | 1998-11-03 | 1994-06-01 | 26942250 | Fair | Concerto Software Inc | Aspect Software Inc, Wilmington Trust NA |
| US20050226224A1 | 0.341 | Method of synchronizing management information between a plurality of managing devices in a home network | APPLICATION | 2005-10-13 | 2004-04-07 | 34910089 | Fair | LG Electronics Inc | LG Electronics Inc |
| US20080129758A1 | 0.340 | Method and system for utilizing a JPEG compatible image and icon | APPLICATION | 2008-06-05 | 2002-10-02 | 36647996 | Fair | PHOTAGS Inc | PHOTAGS Inc |
| US20050160062A1 | 0.340 | Method to report personal security information about a person | APPLICATION | 2005-07-21 | 2004-01-16 | 34753081 | Fair | SAFE PLACES LLC | SAFE PLACES LLC |
| US20100010993A1 | 0.339 | Distributed personal information aggregator | APPLICATION | 2010-01-14 | 2008-03-31 | 41506059 | Fair | PEEK YOU LLC | PEEKANALYTICS Inc |
| US20050125397A1 | 0.338 | Transparent search engine | APPLICATION | 2005-06-09 | 2003-12-04 | 34676690 | Fair | PERFECT MARKET TECHNOLOGIES Inc | PERFECT MARKET TECHNOLOGIES Inc |
| US6520905B1 | 0.338 | Management of physiological and psychological state of an individual using images portable biosensor device | GRANT | 2003-02-18 | 1998-02-26 | 21858385 | Fair | Eastman Kodak Co | Carestream Health Inc |
| US6339790B1 | 0.337 | Method and system for controlling data delivery and reception based on timestamps of data records | GRANT | 2002-01-15 | 1998-03-16 | 13279406 | Fair | Fujitsu Ltd | Fujitsu Ltd |
| US7124144B2 | 0.337 | Method and apparatus for storing semi-structured data in a structured manner | GRANT | 2006-10-17 | 2000-03-02 | 27414658 | Fair | Actuate Corp | Open Text Holdings Inc |
| US20030186729A1 | 0.335 | Personalizing electronic device and smart covering | APPLICATION | 2003-10-02 | 2001-05-17 | 27492100 | Fair | Wildseed Ltd | Wildseed Ltd |
| US6754564B2 | 0.333 | Integrated vehicle information system | GRANT | 2004-06-22 | 2001-01-30 | 25092377 | Fair | ||
| US20060169778A1 | 0.333 | Electronic voting apparatus system and method | APPLICATION | 2006-08-03 | 2000-11-20 | 36755460 | Fair | Amerasia International Technology Inc, AI Technology | Avante International Technology Inc |
| US7987173B2 | 0.333 | Systems and methods of handling internet spiders | GRANT | 2011-07-26 | 2009-08-25 | 43626498 | Fair | Vizibility Inc | VIZIBILITY LLC |
| US8201257B1 | 0.333 | System and method of managing network security risks | GRANT | 2012-06-12 | 2004-03-31 | 46177954 | Fair | McAfee LLC | McAfee LLC |
| US7840597B2 | 0.333 | Method and apparatus for managing metadata associated with entities in a computing system | GRANT | 2010-11-23 | 2008-01-31 | 40932669 | Fair | Intuit Inc | Intuit Inc |
| US5537618A | 0.333 | Method and apparatus for implementing user feedback | GRANT | 1996-07-16 | 1993-12-23 | 22634244 | Fair | Diacom Tech Inc | Intellectual Ventures Fund 83 LLC |
| US20030065525A1 | 0.332 | Systems and methods for providing beauty guidance | APPLICATION | 2003-04-03 | 2001-10-01 | 26698669 | Fair | LOreal SA | LOreal SA |
| US7831609B1 | 0.332 | System and method for searching formulating distributing and monitoring usage of predefined internet search queries | GRANT | 2010-11-09 | 2009-08-25 | 43034925 | Fair | Vizibility Inc | VIZIBILITY LLC |
| US6647383B1 | 0.330 | System and method for providing interactive dialogue and iterative search functions to find information | GRANT | 2003-11-11 | 2000-09-01 | 29401784 | Fair | Nokia of America Corp | Nokia of America Corp |
| US20070288766A1 | 0.329 | Information access control method and apparatus | APPLICATION | 2007-12-13 | 2006-06-13 | 38474256 | Fair | Toshiba Corp | Toshiba Corp |
| US20070129113A1 | 0.328 | Cell phone alerting system | APPLICATION | 2007-06-07 | 2005-12-01 | 38119483 | Fair | ||
| US20060056397A1 | 0.328 | Access management apparatus program and remote start-up method of terminal device | APPLICATION | 2006-03-16 | 2004-09-15 | 36033828 | Fair | Toshiba Corp | Toshiba Corp |
| US6669487B1 | 0.328 | IC card | GRANT | 2003-12-30 | 2000-04-28 | 11735985 | Fair | Hitachi Ltd, Hitachi ULSI Systems Co Ltd | NEC Electronics Corp, Renesas Electronics Corp |
| US8099376B2 | 0.327 | Rule-based management of adaptive models and agents | GRANT | 2012-01-17 | 2007-02-22 | 39717045 | Fair | Fair Isaac Corp | Fair Isaac Corp |
| US20020086703A1 | 0.327 | Mobile computing device docking station | APPLICATION | 2002-07-04 | 2000-12-28 | 26701470 | Fair | Brother International Corp | Brother International Corp |
| US6374262B1 | 0.327 | Relational database synchronization method and a recording medium storing a program therefore | GRANT | 2002-04-16 | 1998-03-25 | 13617821 | Fair | Fujitsu Ltd | Fujitsu Ltd |
| US7627617B2 | 0.326 | Clustered hierarchical file services | GRANT | 2009-12-01 | 2004-02-11 | 34914851 | Fair | Storage Technology Corp | Oracle America Inc |
| US20030050929A1 | 0.326 | Automated creation and delivery of database content | APPLICATION | 2003-03-13 | 2001-08-16 | 26913201 | Fair | Sentius Corp | Sentius International LLC |
| US6112225A | 0.326 | Task distribution processing system and the method for subscribing computers to perform computing tasks during idle time | GRANT | 2000-08-29 | 1998-03-30 | 21966258 | Fair | International Business Machines Corp | International Business Machines Corp |
| US6622266B1 | 0.326 | Method for specifying printer alert processing | GRANT | 2003-09-16 | 2000-06-09 | 27805457 | Fair | International Business Machines Corp | Ricoh Co Ltd |
| US8423563B2 | 0.324 | System and methodology for name searches | GRANT | 2013-04-16 | 2003-10-16 | 34526209 | Fair | Sybase Inc | Sybase Inc |
| US8280723B1 | 0.324 | Technique for comparing a string to large sets of strings | GRANT | 2012-10-02 | 2009-01-29 | 46924830 | Fair | Intuit Inc | Intuit Inc |
| US20060155780A1 | 0.323 | Adding personalized value to web sites | APPLICATION | 2006-07-13 | 2004-12-27 | 36654526 | Fair | International Business Machines Corp | International Business Machines Corp |
| US20070156692A1 | 0.319 | Essential data communication system | APPLICATION | 2007-07-05 | 2004-02-25 | 34916861 | Fair | ||
| US6353795B1 | 0.318 | Method and system for matching an incident to a route | GRANT | 2002-03-05 | 2000-02-01 | 23970080 | Fair | InfoSpace Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US7016548B2 | 0.318 | Mobile image transmission and reception for compressing and decompressing without transmitting coding and quantization tables and compatibility with JPEG | GRANT | 2006-03-21 | 1997-11-14 | 8549951 | Fair | Nokia Mobile Phones Ltd | Nokia Mobile Phones Ltd |
| US4599647A | 0.317 | Receiver with interface for interaction with controller-decoder | GRANT | 1986-07-08 | 1983-11-03 | 24188521 | Fair | Arris Technology Inc | Arris Technology Inc |
| US7209911B2 | 0.316 | Synchronization of databases using filters | GRANT | 2007-04-24 | 1996-11-13 | 21888413 | Fair | Intellisync Corp | Intellisync Corp |
| US4894777A | 0.316 | Operator mental condition detector | GRANT | 1990-01-16 | 1986-07-28 | 16001023 | Fair | Canon Inc | Canon Inc |
| US20030046311A1 | 0.311 | Dynamic search engine and database | APPLICATION | 2003-03-06 | 2001-06-19 | 23155926 | Fair | BioZak Inc | BioZak Inc |
| US7752179B1 | 0.310 | Method and system for extracting consistent disjoint set membership from multiple inconsistent data sources | GRANT | 2010-07-06 | 2006-02-24 | 42307128 | Fair | Intuit Inc | Intuit Inc |
| US8099187B2 | 0.309 | Securely processing and tracking consumable supplies and consumable material | GRANT | 2012-01-17 | 2005-08-18 | 37831383 | Fair | HID Global Corp | Assa Abloy AB |
| US7200602B2 | 0.308 | Data set comparison and net change processing | GRANT | 2007-04-03 | 2003-02-07 | 32849597 | Fair | International Business Machines Corp | Google LLC |
| US7386786B2 | 0.307 | Method and apparatus for processing a dynamic webpage | GRANT | 2008-06-10 | 2003-01-24 | 32735650 | Fair | Cobalt Group Inc | SINCRO, LLC |
| US7672944B1 | 0.307 | Method and system for multiple column/row data sorting in a display table | GRANT | 2010-03-02 | 2007-01-19 | 41717716 | Fair | Intuit Inc | Intuit Inc |
| US6510325B1 | 0.306 | Convertible portable telephone | GRANT | 2003-01-21 | 1996-04-19 | 46279507 | Fair | ||
| US7305260B2 | 0.305 | Function specific interchangeable cover piece for a mobile communication device | GRANT | 2007-12-04 | 2004-01-30 | 34808139 | Fair | Nokia Oyj | Provenance Asset Group LLC, Nokia USA Inc |
| US20020033846A1 | 0.303 | Apparatus for controlling the display of and for resolving special characters in URLs URIs & email addresses and mehtod therefor | APPLICATION | 2002-03-21 | 2000-09-14 | 26929176 | Fair | ||
| US6581075B1 | 0.303 | System and method for database synchronization | GRANT | 2003-06-17 | 2000-12-28 | 25028066 | Fair | Nortel Networks Ltd | RPX Clearinghouse LLC |
| US8341545B2 | 0.302 | System and method for focusing a view of data on a selected subset | GRANT | 2012-12-25 | 2008-03-06 | 41054899 | Fair | Intuit Inc | Intuit Inc |
| US20050086261A1 | 0.301 | Child locator apparatus and method | APPLICATION | 2005-04-21 | 2003-10-20 | 34521351 | Fair | ||
| US6571236B1 | 0.301 | Method and apparatus for problem diagnosis and solution | GRANT | 2003-05-27 | 2000-01-10 | 23908528 | Fair | General Electric Co | Haier US Appliance Solutions Inc |
| US20050071328A1 | 0.300 | Personalization of web search | APPLICATION | 2005-03-31 | 2003-09-30 | 34377443 | Fair | Google LLC | Google LLC |
| US20030191731A1 | 0.300 | Method and system for rule based validation prior to committing data to a database system | APPLICATION | 2003-10-09 | 2002-04-04 | 28674183 | Fair | Daleen Technologies Inc | Daleen Technologies Inc |
| US8037115B1 | 0.298 | Method and system to compensate for inaccuracy associated with processing values with finite precision | GRANT | 2011-10-11 | 2007-01-17 | 44730045 | Fair | Intuit Inc | Intuit Inc |
| US20050216524A1 | 0.298 | Smart and selective synchronization between databases in a document management system | APPLICATION | 2005-09-29 | 2004-03-23 | 34964705 | Fair | Integrated Data Corp | Integrated Data Corp |
| US6374264B1 | 0.298 | Method and apparatus for detecting and recovering from data corruption of a database via read prechecking and deferred maintenance of codewords | GRANT | 2002-04-16 | 1998-09-04 | 27378787 | Fair | Nokia of America Corp | Alcatel Lucent SAS, Sound View Innovations LLC |
| US5745654A | 0.296 | Fast explanations of scored observations | GRANT | 1998-04-28 | 1996-02-13 | 24405340 | Fair | HNC Software Inc | Fair Isaac Corp |
| US20080140734A1 | 0.296 | METHOD FOR IDENTIFYING LOGICAL DATA DISCREPANCIES BETWEEN DATABASE REPLICAS IN A DATABASE CLUSTER | APPLICATION | 2008-06-12 | 2006-12-07 | 39499552 | Fair | ||
| US20110066618A1 | 0.295 | QUERY TERM RELATIONSHIP CHARACTERIZATION FOR QUERY RESPONSE DETERMINATION | APPLICATION | 2011-03-17 | 2009-09-14 | 43731512 | Fair | Yahoo Inc | Oath Inc |
| US20060294199A1 | 0.294 | Systems and Methods for Providing A Foundational Web Platform | APPLICATION | 2006-12-28 | 2005-06-24 | 37568892 | Fair | Zeppo Network Inc | Zeppo Network Inc |
| US20050114429A1 | 0.292 | Method and apparatus for load balancing of distributed processing units based on performance metrics | APPLICATION | 2005-05-26 | 2003-11-25 | 34591968 | Fair | EMC Corp | EMC Corp |
| US20080122920A1 | 0.292 | WEB SERVER AND METHOD FOR MONITORING SYSTEM | APPLICATION | 2008-05-29 | 2006-11-24 | 39463248 | Fair | APPRO Tech Inc | APPRO Tech Inc |
| US6712468B1 | 0.292 | Techniques for facilitating use of eye tracking data | GRANT | 2004-03-30 | 2001-12-12 | 21783163 | Fair | ||
| US20060072784A1 | 0.291 | Information processing apparatus method program and storage medium | APPLICATION | 2006-04-06 | 2004-10-04 | 36125597 | Fair | Canon Inc | Canon Inc |
| US20060248106A1 | 0.289 | Interpolated timestamps in high-speed data capture and analysis | APPLICATION | 2006-11-02 | 2005-03-17 | 37024368 | Fair | Finisar Corp | Viavi Solutions Inc |
| US20090228918A1 | 0.288 | Content recommender | APPLICATION | 2009-09-10 | 2008-03-05 | 41054963 | Fair | ChangingWorlds Ltd | Amdocs Development Ltd, Amdocs Software Systems Ltd |
| US6029178A | 0.288 | Enterprise data movement system and method which maintains and compares edition levels for consistency of replicated data | GRANT | 2000-02-22 | 1998-03-18 | 26730354 | Fair | BMC Software Inc | Informatica LLC |
| US20030004922A1 | 0.288 | System and method for data management | APPLICATION | 2003-01-02 | 2001-06-27 | 25402982 | Fair | Ontrack Data International Inc | Kroll Ontrack Inc |
| US20040098418A1 | 0.286 | Method and server for system synchronization | APPLICATION | 2004-05-20 | 2002-11-14 | 32116347 | Fair | Alcatel SA | Sound View Innovations LLC |
| US7720846B1 | 0.285 | System and method of using ghost identifiers in a database | GRANT | 2010-05-18 | 2003-02-04 | 42166721 | Fair | LexisNexis Risk Data Management Inc | LexisNexis Risk Data Management Inc |
| US20100009320A1 | 0.285 | CREDIT MANAGEMENT COURSE | APPLICATION | 2010-01-14 | 2008-07-11 | 41505463 | Fair | ||
| US6748588B1 | 0.285 | One-pass greedy-pattern-matching finite-state-machine code generation | GRANT | 2004-06-08 | 1999-03-31 | 32324310 | Fair | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7403942B1 | 0.285 | Method and system for processing data records | GRANT | 2008-07-22 | 2003-02-04 | 39619604 | Fair | Seisint Inc | LexisNexis Risk Data Management Inc |
| US20070094230A1 | 0.284 | METHOD APPARATUS AND SYSTEM FOR SEARCHING BASED ON FILTER SEARCH SPECIFICATION | APPLICATION | 2007-04-26 | 2001-06-18 | 37986488 | Fair | Siebel Systems Inc | Oracle America Inc |
| US6934714B2 | 0.283 | Method and system for identification and maintenance of families of data records | GRANT | 2005-08-23 | 2002-03-04 | 27804122 | Fair | Intelesis Engineering Inc | MEINIG KELLY L |
| US7810036B2 | 0.283 | Systems and methods for personalizing a portal | GRANT | 2010-10-05 | 2003-02-28 | 33423252 | Fair | BEA Systems Inc | Oracle International Corp |
| US6295541B1 | 0.282 | System and methods for synchronizing two or more datasets | GRANT | 2001-09-25 | 1997-12-16 | 27490787 | Fair | Starfish Software Inc | Intellisync Corp |
| US7912842B1 | 0.282 | Method and system for processing and linking data records | GRANT | 2011-03-22 | 2003-02-04 | 43741863 | Fair | LexisNexis Risk Data Management Inc | LexisNexis Risk Data Management Inc |
| US20040250107A1 | 0.281 | In-context security advisor in a computing environment | APPLICATION | 2004-12-09 | 2003-06-05 | 33490201 | Fair | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7849397B1 | 0.280 | System and method for providing electronic data entry forms with trainable data field sequencing | GRANT | 2010-12-07 | 2007-04-12 | 43244220 | Fair | Intuit Inc | Intuit Inc |
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