Patent Id | Score | Title | Patent Type | Publication Date | Priority Date | Family Id | Search Efficiency | Original Assignee | Current Assignee |
|---|---|---|---|---|---|---|---|---|---|
| US20120011007A1 | 1.733 | 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 | 1.589 | 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 | 1.509 | MOBILE COMMERCE AUTHENTICATION AND AUTHORIZATION SYSTEMS | GRANT | 2012-05-02 | 2009-06-02 | 43298439 | Great | Qualcomm Inc | Qualcomm Inc |
| EP1530177A1 | 1.446 | 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 |
| EP2266087A2 | 1.413 | MOBILE TELEPHONE TRANSACTION SYSTEMS AND METHODS | GRANT | 2010-12-29 | 2008-04-02 | 41134122 | Great | Global 1 Enterprises Inc | Global 1 Enterprises Inc |
| US8374916B2 | 1.399 | Secure mobile-based financial transactions | GRANT | 2013-02-12 | 2009-10-27 | 43899202 | Great | AT&T Mobility II LLC | AT&T Mobility II LLC |
| WO2011103661A1 | 1.376 | SECURE BILLING SYSTEM AND METHOD FOR A MOBILE DEVICE | APPLICATION | 2011-09-01 | 2010-02-26 | 43448730 | Great | ||
| US9195981B2 | 1.326 | System and method for authorizing transactions via mobile devices | GRANT | 2015-11-24 | 2008-10-23 | 42118454 | Great | IMS Health Inc | Iqvia Inc |
| EP1784772A1 | 1.318 | 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 |
| EP1387329A1 | 1.307 | 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 |
| EP2189932A1 | 1.306 | 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 |
| EP1348185A1 | 1.304 | PAYMENT SYSTEM | GRANT | 2003-10-01 | 2000-09-04 | 9898799 | Great | Sonera Oy | TeliaSonera Finland Oyj, Sonera Oy |
| US10762558B1 | 1.292 | 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 |
| EP1627364A1 | 1.290 | CREDIT CARD SMS PORTAL TRANSMISSION SYSTEM AND PROCESS | GRANT | 2006-02-22 | 2003-05-12 | 33488746 | Great | Briza Technologies Inc | Briza Technologies Inc |
| EP2080160A1 | 1.290 | 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 |
| EP1102465B1 | 1.289 | Charging for telecommunications services | GRANT | 2015-12-30 | 1999-11-22 | 8555622 | Great | Nokia Technologies Oy | Nokia Oyj, Nokia Technologies Oy |
| EP1456822B1 | 1.283 | 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 |
| EP2599038A1 | 1.276 | PROGRAMMABLE CARD | GRANT | 2013-06-05 | 2010-07-26 | 45494376 | Great | Visa International Service Association | Visa International Service Association |
| US9881297B2 | 1.275 | 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 |
| EP1810177B1 | 1.275 | ONLINE COMMERCIAL TRANSACTION SYSTEM AND METHOD OF OPERATION THEREOF | GRANT | 2011-09-07 | 2004-09-14 | 33306534 | Great | Waterleaf Ltd | Waterleaf Ltd |
| EP1415283B1 | 1.269 | 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 |
| US8538819B2 | 1.267 | Method and system for dynamic funding | GRANT | 2013-09-17 | 2007-07-30 | 40304669 | Great | eBay Inc | PayPal Inc |
| EP1213690A2 | 1.264 | 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 |
| EP1280115A2 | 1.264 | Electronic payment method system and devices | GRANT | 2003-01-29 | 2001-07-23 | 26619133 | Great | NTT Docomo Inc | NTT Docomo Inc |
| EP2122557A2 | 1.262 | SYSTEMS AND METHOD FOR SECURE WIRELESS PAYMENT TRANSACTIONS | GRANT | 2009-11-25 | 2007-01-18 | 39636721 | Great | Mocapay Inc | Mocapay Inc |
| EP1938571A2 | 1.255 | METHODS AND SYSTEMS FOR FINANCIAL TRANSACTIONS IN A MOBILE ENVIRONMENT | GRANT | 2008-07-02 | 2006-07-06 | 38895043 | Great | Firethorn Holdings LLC | Qualcomm Inc |
| EP0739526B1 | 1.254 | REAL TIME TELE-PAYMENT SYSTEM | GRANT | 2001-12-19 | 1994-10-28 | 8541684 | Great | ||
| EP1277301A2 | 1.252 | METHOD FOR TRANSMITTING PAYMENT INFORMATION BETWEEN A TERMINAL AND A THIRD EQUIPEMENT | GRANT | 2003-01-22 | 2000-04-28 | 8168586 | Great | Swisscom Mobile AG | Swisscom Mobile AG, Swisscom Schweiz AG, Swisscom Fixnet AG, Swisscom AG |
| US7512567B2 | 1.251 | 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 |
| EP2425392B1 | 1.250 | PROXIMITY PURCHASE RINGTONES | GRANT | 2018-08-01 | 2009-05-01 | 43031121 | Great | Qualcomm Inc | Qualcomm Inc |
| EP1145200A1 | 1.247 | METHOD AND SYSTEM FOR TRANSACTING PAYMENTS | GRANT | 2001-10-17 | 1999-10-25 | 4551728 | Great | Swisscom Mobile AG | Swisscom Schweiz AG |
| EP1947600A2 | 1.245 | Bill payment card method and system | GRANT | 2008-07-23 | 2007-01-16 | 39618511 | Great | E2interactive Inc | E2interactive Inc |
| EP2556477A2 | 1.243 | MOBILE PHONE PAYMENT PROCESSING METHODS AND SYSTEMS | GRANT | 2013-02-13 | 2010-04-09 | 44761591 | Great | Paydiant LLC | PayPal Inc |
| EP2374102A1 | 1.243 | 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 |
| EP2529344A1 | 1.236 | SYSTEMS AND METHODS TO AUTHENTICATE USERS | GRANT | 2012-12-05 | 2010-01-26 | 44309994 | Great | Boku Inc | Boku Inc |
| EP2156397A1 | 1.235 | SECURE PAYMENT CARD TRANSACTIONS | GRANT | 2010-02-24 | 2007-05-17 | 40122166 | Great | Shift4 Corp | Shift4 Corp |
| EP1914675A1 | 1.235 | 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 |
| US8290433B2 | 1.234 | Method and system for securing transactions made through a mobile communication device | GRANT | 2012-10-16 | 2007-11-14 | 40624178 | Great | Blaze Mobile Inc | Blaze Mobile Inc |
| WO2009112793A1 | 1.233 | MOBILE PAYMENTS | APPLICATION | 2009-09-17 | 2008-03-14 | 39328165 | Great | ||
| EP2526517B1 | 1.231 | TOKEN BASED TRANSACTION AUTHENTICATION | GRANT | 2018-08-08 | 2010-01-19 | 44278246 | Great | Visa International Service Association | Visa International Service Association |
| EP1590950A1 | 1.227 | PAYMENT SYSTEM | GRANT | 2005-11-02 | 2002-12-20 | 9950127 | Great | Inca Payments Ltd | Inca Payments Ltd |
| US9741028B2 | 1.223 | 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 |
| EP2510490A1 | 1.222 | SYSTEMS AND METHODS TO SECURE TRANSACTIONS VIA MOBILE DEVICES | GRANT | 2012-10-17 | 2009-12-10 | 44143493 | Great | Boku Inc | Boku Inc |
| EP1120761A2 | 1.222 | 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 |
| EP2353129A1 | 1.221 | SYSTEM AND METHOD OF CONDUCTING TRANSACTIONS USING A MOBILE WALLET SYSTEM | GRANT | 2011-08-10 | 2008-11-17 | 41459816 | Great | Outlier Inc | Gimbal Inc |
| US8355987B2 | 1.220 | Systems and methods to manage information | GRANT | 2013-01-15 | 2010-05-06 | 44902586 | Great | Boku Inc | Boku Inc |
| EP1437669B1 | 1.218 | Method for carrying out payments using a communications network | GRANT | 2006-07-26 | 2003-01-08 | 32479933 | Great | Siemens AG | Siemens AG |
| EP2008236A2 | 1.217 | METHOD FOR UNIVERSAL ELECTRONIC PAYMENT PROCESSING | GRANT | 2008-12-31 | 2006-04-03 | 38581772 | Great | Ebizmobility Ltd | EBIZ.MOBILITY LTD |
| EP2603891A2 | 1.213 | 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 |
| US7349884B1 | 1.211 | 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 |
| EP0734556B1 | 1.202 | 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 |
| EP2422306A1 | 1.201 | PAYMENT TRANSACTION CLIENT SERVER AND SYSTEM | GRANT | 2012-02-29 | 2009-04-22 | 40974398 | Great | Euro-Wallet Bv | FIBONACCI FINANCE GROUP B.V. |
| EP1216462B1 | 1.200 | 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 |
| EP2593913A1 | 1.196 | MONEY TRANSFER SYSTEM GATEWAY SERVICE | GRANT | 2013-05-22 | 2010-07-16 | 45467700 | Great | Mastercard International Inc | Mastercard International Inc |
| WO2003044710A1 | 1.196 | APPARATUS METHOD AND SYSTEM FOR PAYMENT USING A MOBILE DEVICE | APPLICATION | 2003-05-30 | 2001-10-11 | 20428997 | Great | ||
| EP1327230B1 | 1.194 | 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 |
| US9697510B2 | 1.192 | Systems and methods to facilitate retail transactions | GRANT | 2017-07-04 | 2009-07-23 | 43498125 | Great | Boku Inc | Boku Inc |
| EP2389194A2 | 1.188 | SYSTEMS AND METHODS TO FACILITATE ELECTRONIC PAYMENTS | GRANT | 2011-11-30 | 2009-01-23 | 42354935 | Great | VIDICOM Ltd | VIDICOM Ltd |
| EP2422485A1 | 1.188 | SYSTEMS AND METHODS TO PROCESS TRANSACTION REQUESTS | GRANT | 2012-02-29 | 2009-04-20 | 42981370 | Great | Boku Inc | Boku Inc |
| US9576285B2 | 1.186 | 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 | ||
| US8548426B2 | 1.186 | Systems and methods to approve electronic payments | GRANT | 2013-10-01 | 2009-02-20 | 42631409 | Great | Boku Inc | Boku Inc |
| EP1345139A1 | 1.184 | 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 |
| EP2008237A1 | 1.183 | MOBILE PERSON-TO-PERSON PAYMENT SYSTEM | GRANT | 2008-12-31 | 2006-03-30 | 38532095 | Great | Obopay Inc | Obopay Inc |
| EP1769419B1 | 1.183 | TRANSACTION & PAYMENT SYSTEM SECURING REMOTE AUTHENTICATION/VALIDATION OF TRANSACTIONS FROM A TRANSACTION PROVIDER | GRANT | 2012-11-21 | 2004-06-21 | 35481809 | Great | Nokia Oyj | Nokia Oyj |
| WO2010130106A1 | 1.183 | METHOD FOR CONTROLLING PAYMENT OR TRANSFER BY A USER VIA A MOBILE TELEPHONE TERMINAL | APPLICATION | 2010-11-18 | 2009-05-13 | 41220699 | Great | ||
| US9208505B1 | 1.182 | 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 | ||
| EP1298613B1 | 1.180 | Method for conducting payment transactions in a data network | GRANT | 2010-02-24 | 2001-09-27 | 7700481 | Great | Deutsche Telekom AG | Deutsche Telekom AG |
| US9990623B2 | 1.179 | Systems and methods to provide information | GRANT | 2018-06-05 | 2009-03-02 | 42667656 | Great | Boku Inc | Boku Inc |
| EP2365469A1 | 1.178 | 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 |
| WO2011106120A1 | 1.178 | SYSTEMS AND METHODS TO PROCESS PAYMENTS | APPLICATION | 2011-09-01 | 2010-02-26 | 44505796 | Great | ||
| US8565723B2 | 1.178 | Onetime passwords for mobile wallets | GRANT | 2013-10-22 | 2007-10-17 | 40563951 | Great | First Data Corp | First Data Corp |
| US9619794B2 | 1.177 | 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 |
| EP1872188A2 | 1.176 | NETWORK COMMERCIAL TRANSACTIONS | GRANT | 2008-01-02 | 2005-04-19 | 37115927 | Great | Microsoft Corp | Microsoft Corp |
| EP1225549B1 | 1.175 | Terminal and method for electronic payment | GRANT | 2005-10-19 | 2001-01-04 | 8858530 | Great | SAGEM SA | SAGEM SA, Safran Electronics and Defense SAS |
| US9824349B2 | 1.175 | 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 |
| EP2016543A1 | 1.175 | 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 |
| EP2255328A2 | 1.174 | SYSTEMS AND METHODS TO VERIFY PAYMENT TRANSACTIONS | GRANT | 2010-12-01 | 2008-02-12 | 39247500 | Great | VIDICOM Ltd | VIDICOM Ltd |
| EP2016544A1 | 1.174 | SECURE NETWORK COMMERCIAL TRANSACTIONS | GRANT | 2009-01-21 | 2006-04-18 | 38655823 | Great | Microsoft Corp | Microsoft Corp |
| EP1023705B1 | 1.173 | 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 |
| EP1240631A1 | 1.172 | PAYMENT TRANSACTION METHOD AND PAYMENT TRANSACTION SYSTEM | GRANT | 2002-09-18 | 1999-12-23 | 4551756 | Great | Swisscom Mobile AG | Swisscom Schweiz AG |
| EP1211653A1 | 1.172 | Bill payment system using telephone networks | GRANT | 2002-06-05 | 2000-12-01 | 8173966 | Great | Atlinks SAS | Atlinks SAS |
| EP1240632A1 | 1.172 | PAYMENT TRANSACTION METHOD AND PAYMENT TRANSACTION SYSTEM | GRANT | 2002-09-18 | 1999-12-23 | 4551757 | Great | Swisscom Mobile AG | Swisscom Fixnet AG, Swisscom AG |
| EP1249996B1 | 1.171 | Method for billing of services in a communication system | GRANT | 2005-06-22 | 2001-04-12 | 8181578 | Great | Siemens AG | Siemens AG |
| EP1906349A1 | 1.170 | Payment and transaction system using digital mobile telephones | GRANT | 2008-04-02 | 2003-07-02 | 38829555 | Great | Mobipay International SA | Mobipay International SA |
| EP1131761A2 | 1.168 | ELECTRONIC PAYMENT SYSTEM UTILIZING INTERMEDIARY ACCOUNT | GRANT | 2001-09-12 | 1998-11-17 | 26806236 | Great | PreNet Corp | PRECASH Inc |
| EP1430456B1 | 1.166 | ELECTRONIC PAYMENT SYSTEM THAT IS USED TO PURCHASE GOODS OR SERVICES OFFERED BY A MERCHANT SERVER AND THE METHOD USED IN ONE SUCH SYSTEM | GRANT | 2006-12-20 | 2001-09-25 | 8867591 | Great | France Telecom SA | Orange SA |
| US9595028B2 | 1.166 | 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 |
| US7461010B2 | 1.166 | Computer network method for conducting payment over a network by debiting and crediting telecommunication accounts | GRANT | 2008-12-02 | 1999-09-13 | 25250169 | Great | ||
| US9235831B2 | 1.165 | Mobile payment systems and methods | GRANT | 2016-01-12 | 2009-04-22 | 54190934 | Great | GoFigure Payments LLC | GoFigure Payments LLC |
| US9361616B2 | 1.165 | 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 | ||
| EP0820620B1 | 1.164 | 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 |
| EP1264484B1 | 1.163 | 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 |
| EP2389654A2 | 1.162 | SYSTEMS AND METHODS TO CONTROL ONLINE TRANSACTIONS | GRANT | 2011-11-30 | 2009-01-23 | 42354553 | Great | VIDICOM Ltd | VIDICOM Ltd |
| EP1710980B1 | 1.161 | Authentication services using mobile device | GRANT | 2012-08-08 | 2005-04-08 | 36636465 | Great | Fujitsu Ltd | Fujitsu Ltd |
| EP2372628A2 | 1.160 | 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 |
| US8700530B2 | 1.157 | Systems and methods to process user initiated transactions | GRANT | 2014-04-15 | 2009-03-10 | 42731466 | Great | Boku Inc | Boku Inc |
| US9519892B2 | 1.156 | Systems and methods to accelerate transactions | GRANT | 2016-12-13 | 2009-08-04 | 43535545 | Great | Boku Inc | Boku Inc |
| US7537152B2 | 1.156 | Delivery of value identifiers using short message service (SMS) | GRANT | 2009-05-26 | 2005-03-23 | 38877322 | Great | E2interactive Inc | E2interactive Inc |
| EP1998279A1 | 1.155 | Secure payment transaction in multi-host environment | GRANT | 2008-12-03 | 2007-05-29 | 38521634 | Great | First Data Corp | First Data Corp |
| EP2332092A1 | 1.154 | 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 |
| EP1282887B1 | 1.153 | A BILLING SERVICE SYSTEM AND METHOD | GRANT | 2009-11-04 | 2000-05-19 | 24295600 | Great | ||
| EP2411947A1 | 1.153 | SYSTEMS AND METHODS TO PROCESS TRANSACTIONS BASED ON SOCIAL NETWORKING | GRANT | 2012-02-01 | 2009-03-27 | 44991026 | Great | Boku Inc | Boku Inc |
| US8583504B2 | 1.152 | Systems and methods to provide offers on mobile devices | GRANT | 2013-11-12 | 2010-03-29 | 44657039 | Great | Boku Inc | Boku Inc |
| EP2558990A1 | 1.151 | METHOD AND APPARATUS FOR PROVIDING AUTOMATED PAYMENT | GRANT | 2013-02-20 | 2010-04-14 | 44788952 | Great | Nokia Oyj | Nokia Oyj, Nokia Technologies Oy |
| US10726398B2 | 1.151 | Mobile agent point-of-sale (POS) | GRANT | 2020-07-28 | 2010-04-07 | 44761598 | Great | Western Union Co | Western Union Co |
| EP2135210A1 | 1.150 | BILL PAYMENT SYSTEM | GRANT | 2009-12-23 | 2007-04-02 | 39795977 | Great | Visa USA Inc | Visa USA Inc |
| US8095113B2 | 1.149 | Onetime passwords for smart chip cards | GRANT | 2012-01-10 | 2007-10-17 | 40938061 | Great | First Data Corp | First Data Corp |
| WO2011109508A2 | 1.149 | SYSTEMS AND METHODS USING MOBILE DEVICE IN PAYMENT TRANSACTION | APPLICATION | 2011-09-09 | 2010-03-03 | 44532121 | Great | ||
| EP2128809A1 | 1.147 | 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 |
| EP2350942A1 | 1.147 | 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 | 1.145 | 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 |
| EP2266083A2 | 1.145 | NETWORK-BASED VIRAL PAYMENT SYSTEM | GRANT | 2010-12-29 | 2008-03-14 | 41065888 | Great | Obopay Inc | Obopay Inc |
| US8332272B2 | 1.145 | Single tap transactions using an NFC enabled mobile device | GRANT | 2012-12-11 | 2006-08-25 | 40676721 | Great | Blaze Mobile Inc | Blaze Mobile Inc |
| WO2007008860A2 | 1.144 | SECURE ELECTRONIC TRANSACTIONS BETWEEN A MOBILE DEVICE AND OTHER MOBILE FIXED OR VIRTUAL DEVICES | APPLICATION | 2007-01-18 | 2005-07-11 | 37619360 | Great | ||
| EP2216742A1 | 1.144 | Mobile payment method and devices | GRANT | 2010-08-11 | 2009-02-09 | 40757543 | Great | ||
| US8245044B2 | 1.142 | 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 |
| EP2561470A1 | 1.142 | THIRD PARTY TRANSACTION PAYMENT PRCESSING | GRANT | 2013-02-27 | 2010-04-26 | 44816611 | Great | ||
| US20030212601A1 | 1.141 | Credit card SMS portal transmission system and process | APPLICATION | 2003-11-13 | 2002-05-09 | 29406487 | Great | BRIZA TECHNOLOGIES Inc | BRIZA TECHNOLOGIES Inc |
| US8756161B2 | 1.141 | Customer initiated payment method using mobile device | GRANT | 2014-06-17 | 2008-02-11 | 41089845 | Great | Accenture Global Services Ltd | Accenture Global Services Ltd |
| EP1616248A1 | 1.141 | 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 |
| EP2435961A1 | 1.139 | SYSTEMS AND METHODS TO PROCESS TRANSACTIONS BASED ON SOCIAL NETWORKING | GRANT | 2012-04-04 | 2009-05-27 | 43221328 | Great | Boku Inc | Boku Inc |
| US8190087B2 | 1.139 | 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 |
| EP2257096B1 | 1.137 | Method system server and computer program for services | GRANT | 2018-03-14 | 2009-05-28 | 41278639 | Great | Telia Co AB | Telia Co AB |
| EP2156395A1 | 1.137 | 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 |
| US10783523B2 | 1.136 | Alternate mobile payment service | GRANT | 2020-09-22 | 2010-03-23 | 44657412 | Great | Visa International Service Association | Visa International Service Association |
| US7575177B2 | 1.134 | Dual use payment device | GRANT | 2009-08-18 | 2007-10-03 | 40522420 | Great | Mastercard International Inc | Mastercard International Inc |
| EP2368339B1 | 1.133 | SECURE TRANSACTION AUTHENTICATION | GRANT | 2017-08-09 | 2008-12-03 | 42233671 | Great | Entersekt International Ltd | ENTERSEKT INTERNATIONAL LIMITED |
| US9697508B1 | 1.131 | Mobile payments using point-of-sale infrastructure | GRANT | 2017-07-04 | 2010-03-23 | 44657413 | Great | Amazon Technologies Inc | Amazon Technologies Inc |
| EP2368224A1 | 1.129 | MOBILE BARCODE GENERATION AND PAYMENT | GRANT | 2011-09-28 | 2008-12-02 | 42223690 | Great | eBay Inc | PayPal Inc |
| US7770789B2 | 1.129 | Secure payment card transactions | GRANT | 2010-08-10 | 2007-05-17 | 40026494 | Great | Shift4 Corp | Shift4 Corp |
| US20090150248A1 | 1.129 | 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 |
| EP1286317A2 | 1.128 | Method of crediting an account | GRANT | 2003-02-26 | 2001-08-22 | 9920814 | Great | Turriff International Ltd | Turriff International Ltd |
| US9400978B2 | 1.128 | Methods and systems for selecting accounts and offers in payment transactions | GRANT | 2016-07-26 | 2010-04-09 | 49114936 | Great | PayPal Inc | PayPal Inc |
| US8489067B2 | 1.127 | 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 |
| EP2082558B1 | 1.126 | SYSTEM AND METHOD FOR AUTHENTICATING REMOTE SERVER ACCESS | GRANT | 2019-04-10 | 2006-10-19 | 39319449 | Great | Qualcomm Inc | Qualcomm Inc |
| US9852426B2 | 1.125 | Method and system for secure transactions | GRANT | 2017-12-26 | 2008-02-20 | 53265658 | Great | Collective Dynamics LLC | Collective Dynamics LLC |
| EP1723593A2 | 1.125 | WIRELESS WALLET | GRANT | 2006-11-22 | 2004-02-17 | 34891268 | Great | Fujitsu Ltd | Fujitsu Ltd |
| US7200551B1 | 1.125 | Automated bill payment system | GRANT | 2007-04-03 | 2000-02-28 | 37897685 | Great | TelPay Inc | TelPay Inc |
| US8224709B2 | 1.124 | 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 |
| WO2012027694A2 | 1.122 | ACCOUNT NUMBER BASED BILL PAYMENT PLATFORM APPARATUSES METHODS AND SYSTEMS | APPLICATION | 2012-03-01 | 2010-08-27 | 45724092 | Great | ||
| EP2218046A2 | 1.121 | PAYMENT TRANSACTION USING MOBILE PHONE AS RELAY | GRANT | 2010-08-18 | 2007-10-25 | 40580421 | Great | Visa International Service Association | Visa International Service Association |
| US8255327B2 | 1.121 | System and method for issuer originated payments for on-line banking bill payments | GRANT | 2012-08-28 | 2004-09-01 | 36146573 | Great | ||
| US8160959B2 | 1.121 | Methods and systems for payment transactions in a mobile environment | GRANT | 2012-04-17 | 2006-07-06 | 38920175 | Great | Firethorn Mobile Inc | Qualcomm Inc |
| US9953308B2 | 1.120 | 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 |
| US8510220B2 | 1.120 | 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 |
| EP2491526A1 | 1.119 | MOBILE PAYMENT STATION SYSTEM AND METHOD | GRANT | 2012-08-29 | 2009-10-19 | 43880031 | Great | Faber Financial LLC | MOBILE EQUITY CORP. |
| EP2329440A2 | 1.119 | 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 |
| WO2008063990A2 | 1.118 | SYSTEM HARDWARE AND METHOD FOR MOBILE POS PAYMENT | APPLICATION | 2008-05-29 | 2006-11-13 | 39430477 | Great | ||
| US9177314B2 | 1.118 | 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 |
| EP1107198B1 | 1.117 | 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 |
| EP2339521B1 | 1.116 | 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 |
| EP2340519A1 | 1.116 | 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 |
| US8467766B2 | 1.115 | Methods and systems for managing payment sources in a mobile environment | GRANT | 2013-06-18 | 2006-07-06 | 38920191 | Great | Qualcomm Inc | Qualcomm Inc |
| US8145568B2 | 1.114 | 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 |
| EP2149084B1 | 1.114 | 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 |
| US8275312B2 | 1.114 | Induction triggered transactions using an external NFC device | GRANT | 2012-09-25 | 2005-12-31 | 46329685 | Great | Blaze Mobile Inc | Blaze Mobile Inc |
| EP2546791A1 | 1.114 | METHOD AND SYSTEM FOR PERFORMING A TRANSACTION | GRANT | 2013-01-16 | 2010-03-08 | 42244338 | Great | Telefonica SA | Telefonica SA |
| EP2396754A2 | 1.112 | SECURE PAYMENT AND BILLING METHOD USING MOBILE PHONE NUMBER OR ACCOUNT | GRANT | 2011-12-21 | 2009-02-14 | 42562267 | Great | NET2TEXT Ltd | NET2TEXT Ltd |
| US9911114B2 | 1.109 | 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 |
| US7891563B2 | 1.108 | Secure payment card transactions | GRANT | 2011-02-22 | 2007-05-17 | 40026492 | Great | Shift4 Corp | Shift4 Corp |
| US9443238B2 | 1.108 | Distributed payment system and method | GRANT | 2016-09-13 | 2007-03-07 | 39742625 | Great | Playspan Inc | Playspan Inc |
| US7841523B2 | 1.108 | Secure payment card transactions | GRANT | 2010-11-30 | 2007-05-17 | 40026493 | Great | Shift4 Corp | Shift4 Corp |
| US8121945B2 | 1.108 | 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 |
| EP1450316B1 | 1.108 | Method and system for administration of a financial account | GRANT | 2014-08-27 | 2003-02-21 | 32731599 | Great | Swisscom AG | Swisscom AG |
| US10496979B2 | 1.104 | Smart wallet | GRANT | 2019-12-03 | 2010-06-29 | 47422872 | Great | PayPal Inc | PayPal Inc |
| US5699528A | 1.103 | 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 |
| EP1334475B1 | 1.102 | ELECTRONIC PAYMENT AND ASSOCIATED SYSTEMS | GRANT | 2006-08-23 | 2000-11-15 | 9903254 | Great | ||
| US8041639B2 | 1.100 | Systems and methods to facilitate online transactions | GRANT | 2011-10-18 | 2009-01-23 | 42354936 | Great | VIDICOM Ltd | Boku Inc |
| EP2304678A1 | 1.100 | MOBILE PAYMENT SYSTEM | GRANT | 2011-04-06 | 2008-06-09 | 41417096 | Great | Obopay Inc | Obopay Inc |
| EP1430454A2 | 1.096 | REMOTE PAYMENT METHOD AND SYSTEM | GRANT | 2004-06-23 | 2000-10-27 | 26709357 | Great | Icom Mobile Ltd | Icom Mobile Ltd |
| US8914302B2 | 1.096 | Mobile commerce authentication and authorization system | GRANT | 2014-12-16 | 2008-01-24 | 40901424 | Great | Qualcomm Inc | Qualcomm Inc |
| EP1428185A1 | 1.096 | 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 |
| EP1271435A2 | 1.096 | Authentication and access control system | GRANT | 2003-01-02 | 2001-06-15 | 25381729 | Great | Hewlett Packard Co | HP Inc, Hewlett Packard Development Co LP |
| EP1450317B1 | 1.096 | 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 |
| US8566188B2 | 1.095 | Systems and methods to route messages to facilitate online transactions | GRANT | 2013-10-22 | 2010-01-13 | 44259271 | Great | Boku Inc | Boku Inc |
| WO2011129986A1 | 1.094 | SYSTEMS AND METHODS TO PROVIDE CREDITS VIA MOBILE DEVICES | APPLICATION | 2011-10-20 | 2010-04-15 | 44788924 | Great | ||
| US8249965B2 | 1.094 | Member-supported mobile payment system | GRANT | 2012-08-21 | 2006-03-30 | 38560566 | Great | Obopay Inc | OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE Ltd |
| US9501773B2 | 1.093 | Secured transaction system | GRANT | 2016-11-22 | 2010-02-02 | 44342480 | Great | ||
| US8160943B2 | 1.092 | 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 |
| EP2559012A1 | 1.092 | 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 |
| US7024174B2 | 1.091 | Method and system for data management in electronic payments transactions | GRANT | 2006-04-04 | 2001-07-24 | 23190130 | Great | Citibank NA | Citibank NA |
| EP1657687B1 | 1.090 | Prepaid payment card for instant remote recharging by coupon | GRANT | 2007-09-05 | 2004-11-10 | 34931586 | Great | ||
| US10134031B2 | 1.088 | Transaction token issuing authorities | GRANT | 2018-11-20 | 2010-04-09 | 59561594 | Great | PayPal Inc | PayPal Inc |
| EP2113895A1 | 1.087 | Mobile phone as a point of sale (POS) device | GRANT | 2009-11-04 | 2008-04-30 | 40921960 | Great | Utiba Pte Ltd | Utiba Pte Ltd |
| EP1374193B1 | 1.087 | Method for conducting secure e-commerce transactions | GRANT | 2007-10-17 | 2001-04-04 | 4168768 | Great | Sips Inc | Sips Inc |
| EP2380308B1 | 1.087 | SECURE REMOTE AUTHENTICATION THROUGH AN UNTRUSTED NETWORK | GRANT | 2017-08-16 | 2009-01-15 | 42319976 | Great | Visa International Service Association | Visa International Service Association |
| US7873573B2 | 1.087 | Virtual pooled account for mobile banking | GRANT | 2011-01-18 | 2006-03-30 | 40589162 | Great | Obopay Inc | OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE Ltd |
| US9129269B2 | 1.085 | Secured point-of-sale transaction system | GRANT | 2015-09-08 | 2010-02-02 | 44342481 | Great | ||
| EP2438562A1 | 1.085 | 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 |
| EP1450322A1 | 1.084 | Payment method and system | GRANT | 2004-08-25 | 2003-02-21 | 32731597 | Great | Swisscom Mobile AG | Swisscom AG |
| US20110217994A1 | 1.084 | Systems and Methods to Automate Transactions via Mobile Devices | APPLICATION | 2011-09-08 | 2010-03-03 | 44531779 | Great | Boku Inc | Boku Inc |
| EP1450320A1 | 1.082 | 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 |
| US20110125610A1 | 1.082 | 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 |
| EP1849132A2 | 1.080 | SYSTEM AND METHOD FOR CONVERSION BETWEEN INTERNET AND NON-INTERNET BASE TRANSACTIONS | GRANT | 2007-10-31 | 2005-01-28 | 36741131 | Great | CardinalCommerce Corp | CardinalCommerce Corp |
| EP2494804B1 | 1.079 | METHOD AND APPARATUS FOR RECOVERY DURING AUTHENTICATION | GRANT | 2019-04-24 | 2009-10-30 | 43921401 | Great | Nokia Technologies Oy | Nokia Oyj, Nokia Technologies Oy |
| EP1495454A1 | 1.079 | 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 |
| EP1342146A2 | 1.074 | BAR CODED BILL PAYMENT SYSTEM AND METHOD | GRANT | 2003-09-10 | 2000-12-14 | 24962246 | Great | Pacific Payment Systems Inc | Pacific Payment Systems Inc |
| EP2589003A1 | 1.073 | SMART WALLET | GRANT | 2013-05-08 | 2010-06-29 | 45353433 | Great | eBay Inc | PayPal Inc |
| EP1316076B1 | 1.073 | CODE IDENTIFICATION METHOD AND SYSTEM | GRANT | 2013-03-06 | 2000-09-07 | 27255877 | Great | Swivel Secure Ltd | Swivel Secure Ltd |
| EP2070028A2 | 1.072 | STAGED TRANSACTION SYSTEM FOR MOBILE COMMERCE | GRANT | 2009-06-17 | 2006-09-28 | 39231025 | Great | First Data Corp | First Data Corp |
| EP2171659B1 | 1.071 | SECURE MOBILE PAYMENT SYSTEM | GRANT | 2016-04-06 | 2007-06-25 | 40137518 | Great | Visa International Service Association | Visa International Service Association |
| US10304051B2 | 1.069 | NFC mobile wallet processing systems and methods | GRANT | 2019-05-28 | 2010-04-09 | 53482237 | Great | PayPal Inc | PayPal Inc |
| EP1922681B1 | 1.067 | MOBILE ACCOUNT MANAGEMENT | GRANT | 2013-04-03 | 2005-08-12 | 35098237 | Great | Vodafone Group PLC | Vodafone Group PLC |
| EP1869911A2 | 1.067 | INTEGRATED MOBILE APPLICATION SERVER AND COMMUNICATION GATEWAY | GRANT | 2007-12-26 | 2005-04-06 | 37073937 | Great | SHOP TEXT, INC. | SHOP TEXT, INC. |
| EP1563697A2 | 1.059 | MOBILE COMMUNICATION DEVICE EQUIPPED WITH A MAGNETIC STRIPE READER | GRANT | 2005-08-17 | 2002-10-30 | 32179925 | Great | Way Systems Inc | Way Systems Inc |
| US8019365B2 | 1.058 | Conducting a payment using a secure element and SMS | GRANT | 2011-09-13 | 2005-12-31 | 46329684 | Great | Blaze Mobile Inc | Blaze Mobile Inc |
| WO1996004618A1 | 1.058 | SYSTEM FOR REMOTE PURCHASE PAYMENT AND REMOTE BILL PAYMENT TRANSACTIONS | APPLICATION | 1996-02-15 | 1994-08-05 | 23099405 | Great | ||
| WO2006031923A2 | 1.057 | METHODS AND SYSTEMS FOR PERFORMING TOKENLESS FINANCIAL TRANSACTIONS OVER A TRANSACTION NETWORK USING BIOMETRIC DATA | APPLICATION | 2006-03-23 | 2004-09-15 | 36060687 | Great | ||
| EP2589002A1 | 1.057 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE | GRANT | 2013-05-08 | 2010-07-02 | 45400435 | Great | Qualcomm Inc | Qualcomm Inc |
| US9208482B2 | 1.056 | Transaction token issuing authorities | GRANT | 2015-12-08 | 2010-04-09 | 50774121 | Great | PayPal Inc | PayPal Inc |
| WO2012011054A1 | 1.055 | DEVICE SYSTEM AND METHOD OF MOBILE-DEVICE APPROVAL OF PAYMENT | APPLICATION | 2012-01-26 | 2010-07-19 | 45496576 | Great | ||
| US8600883B2 | 1.055 | Mobile barcode generation and payment | GRANT | 2013-12-03 | 2008-12-02 | 46491477 | Great | eBay Inc | PayPal Inc |
| US9799067B2 | 1.053 | Point of sale payment method | GRANT | 2017-10-24 | 2008-02-11 | 39628887 | Great | Accenture Global Services Ltd | Accenture Global Services Ltd |
| US8660911B2 | 1.052 | Systems and methods to facilitate online transactions | GRANT | 2014-02-25 | 2009-09-23 | 43757465 | Great | Boku Inc | Boku Inc |
| US8290865B2 | 1.051 | 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 |
| EP2359323B1 | 1.051 | DEVICE INCLUDING AUTHENTICATION GLYPH | GRANT | 2019-01-02 | 2008-11-13 | 42164668 | Great | Visa International Service Association | Visa International Service Association |
| US6721716B1 | 1.050 | 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 |
| US8977567B2 | 1.048 | Recordation of electronic payment transaction information | GRANT | 2015-03-10 | 2008-09-22 | 42039918 | Great | Visa International Service Association | Visa International Service Association |
| EP0960402B1 | 1.047 | 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 |
| US10373133B2 | 1.045 | Portable account number for consumer payment account | GRANT | 2019-08-06 | 2010-03-03 | 44532118 | Great | Visa International Service Association | Visa International Service Association |
| US10147076B2 | 1.044 | Digital currency (virtual payment cards) issued by central bank for mobile and wearable devices | GRANT | 2018-12-04 | 2002-10-01 | 62243261 | Great | ||
| EP2387772A1 | 1.042 | 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 |
| US20100312645A1 | 1.041 | Systems and Methods to Facilitate Purchases on Mobile Devices | APPLICATION | 2010-12-09 | 2009-06-09 | 43301417 | Great | Boku Inc | Boku Inc |
| EP1046144B1 | 1.039 | 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 |
| EP2465081A2 | 1.039 | SYSTEMS AND METHODS FOR PROCESSING PURCHASE TRANSACTIONS BETWEEN MOBILE PHONES | GRANT | 2012-06-20 | 2009-08-11 | 43586587 | Great | Ericsson Television Inc | Ericsson Television Inc |
| EP1758053A1 | 1.038 | Wireless computer wallet for physical point of sale (POS) transactions | GRANT | 2007-02-28 | 2005-08-01 | 37487378 | Great | Fujitsu Ltd | PCMS Holdings Inc |
| US20110238483A1 | 1.037 | Systems and Methods to Distribute and Redeem Offers | APPLICATION | 2011-09-29 | 2010-03-29 | 44657419 | Great | Boku Inc | Boku Inc |
| US9824355B2 | 1.037 | 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 |
| US20110143710A1 | 1.037 | SYSTEMS AND METHODS TO FACILITATE ELECTRONIC PAYMENTS | APPLICATION | 2011-06-16 | 2009-12-16 | 44143492 | Great | Boku Inc | Boku Inc |
| US7870077B2 | 1.036 | 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 |
| US8412625B2 | 1.036 | 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 |
| EP1200940B1 | 1.035 | 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 |
| US8768778B2 | 1.035 | Effecting an electronic payment | GRANT | 2014-07-01 | 2007-06-29 | 40161733 | Great | Boku Inc | Boku Inc |
| US20070214078A1 | 1.034 | Bill payment apparatus and method | APPLICATION | 2007-09-13 | 2005-09-28 | 38480113 | Great | TransPayment Inc | TransPayment Inc |
| US8260694B1 | 1.033 | 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 |
| EP2591463B1 | 1.033 | 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 |
| US10521776B2 | 1.031 | 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 | ||
| US7668766B1 | 1.031 | 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 |
| EP1723600A2 | 1.030 | 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 |
| US20040019564A1 | 1.030 | System and method for payment transaction authentication | APPLICATION | 2004-01-29 | 2002-07-26 | 30770147 | Great | Way Systems Inc | Verifone Inc |
| EP2038227B1 | 1.030 | SYSTEM AND METHOD FOR ACTIVATING TELEPHONE-BASED PAYMENT INSTRUMENT | GRANT | 2014-12-17 | 2006-05-10 | 38684179 | Great | First Data Corp | First Data Corp |
| US8244609B2 | 1.029 | Payment management on mobile devices | GRANT | 2012-08-14 | 2010-04-02 | 44284242 | Great | Intel Corp | Intel Corp |
| US5754655A | 1.028 | System for remote purchase payment and remote bill payment transactions | GRANT | 1998-05-19 | 1992-05-26 | 26963959 | Great | ||
| US7571140B2 | 1.026 | Payment management | GRANT | 2009-08-04 | 2002-12-16 | 32507082 | Great | First Data Corp, Western Union Co | First Data Corp, Western Union Co |
| US8667560B2 | 1.025 | 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 |
| US20100306015A1 | 1.025 | Systems and Methods to Schedule Transactions | APPLICATION | 2010-12-02 | 2009-05-29 | 43221265 | Great | Boku Inc | Boku Inc |
| US8851369B2 | 1.025 | 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 |
| EP1178444A1 | 1.024 | Electronic payment using SMS | GRANT | 2002-02-06 | 2000-08-01 | 8169421 | Great | mega-tel AG | mega-tel AG |
| EP1514211A1 | 1.024 | 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 |
| EP1362273A2 | 1.022 | TRANSACTION AUTHENTICATION | GRANT | 2003-11-19 | 2000-11-01 | 8173357 | Great | British Telecommunications PLC | British Telecommunications PLC |
| US8180686B2 | 1.022 | 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 |
| EP1705890B1 | 1.021 | Delivery of value identifiers using short message service (SMS) | GRANT | 2008-08-20 | 2005-03-23 | 36582038 | Great | E2interactive Inc | E2interactive Inc |
| EP2316100A2 | 1.019 | MOBILE PAYER AUTHENTICATION | GRANT | 2011-05-04 | 2008-08-11 | 41669631 | Great | Visa USA Inc | Visa USA Inc |
| US8949146B2 | 1.017 | 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 |
| US8219542B2 | 1.017 | Systems and methods to provide access control via mobile phones | GRANT | 2012-07-10 | 2010-03-25 | 44657032 | Great | Boku Inc | Boku Inc |
| EP1817868B1 | 1.017 | 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 |
| US20060131390A1 | 1.016 | Method and system for providing transaction notification and mobile reply authorization | APPLICATION | 2006-06-22 | 2004-12-16 | 36594441 | Great | ||
| US8170527B2 | 1.015 | Real-time balance on a mobile phone | GRANT | 2012-05-01 | 2007-09-26 | 40472197 | Great | Visa USA Inc | Visa USA Inc |
| US6292789B1 | 1.014 | Method and system for bill presentment and payment | GRANT | 2001-09-18 | 1997-08-26 | 27369019 | Great | Citibank NA | Citibank NA |
| EP0504287A1 | 1.011 | 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 |
| US20080010191A1 | 1.011 | 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 |
| US7693790B2 | 1.008 | 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 |
| US20120041879A1 | 1.008 | METHODS AND SYSTEMS FOR PAYMENT PROCESSING BETWEEN CONSUMERS AND MERCHANTS | APPLICATION | 2012-02-16 | 2010-08-10 | 45565501 | Great | KREDITFLY Inc | KREDITFLY Inc |
| US9940627B2 | 1.007 | Mobile coupon method and system | GRANT | 2018-04-10 | 2006-12-26 | 39588981 | Great | Visa USA Inc | Visa USA Inc |
| EP2380149B1 | 1.006 | ENHANCED SMART CARD USAGE | GRANT | 2016-10-12 | 2008-12-19 | 41651512 | Great | NXP BV | NXP BV |
| US8453940B2 | 1.006 | Wireless mobile communicator for contactless payment on account read from removable card | GRANT | 2013-06-04 | 2008-08-14 | 41669723 | Great | Visa USA Inc | Visa USA Inc |
| EP1490745A2 | 1.002 | 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 |
| US5832460A | 1.001 | Method and system for bill presentation and payment reconciliation | GRANT | 1998-11-03 | 1995-06-02 | 23822672 | Great | International Business Machines Corp | PayPal Inc |
| US9424413B2 | 0.997 | 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 |
| US7945240B1 | 0.995 | Mobile communications billing architecture | GRANT | 2011-05-17 | 2005-05-13 | 43981617 | Great | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US20020035539A1 | 0.994 | 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 | ||
| US20070255662A1 | 0.994 | Authenticating Wireless Person-to-Person Money Transfers | APPLICATION | 2007-11-01 | 2006-03-30 | 38649487 | Great | Obopay Inc | OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE Ltd |
| US9489673B2 | 0.992 | Payment system and methods | GRANT | 2016-11-08 | 2005-10-11 | 52116546 | Great | National Payment Card Association | National Payment Card Association |
| EP2953389B1 | 0.992 | VIRTUAL SIM CARD FOR MOBILE HANDSETS | GRANT | 2017-11-22 | 2007-12-24 | 40513858 | Great | Qualcomm Inc | Qualcomm Inc |
| US20080010204A1 | 0.990 | 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 |
| US7958049B2 | 0.984 | 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 |
| US10726413B2 | 0.983 | Securing external systems with account token substitution | GRANT | 2020-07-28 | 2010-08-12 | 45565502 | Great | Visa International Service Association | Visa International Service Association |
| US20070244811A1 | 0.982 | Mobile Client Application for Mobile Payments | APPLICATION | 2007-10-18 | 2006-03-30 | 38606000 | Great | Obopay Inc | OBOPAY MOBILE TECHNOLOGY INDIA PRIVATE Ltd |
| US8073774B2 | 0.982 | Billing system and method for micro-transactions | GRANT | 2011-12-06 | 2005-06-06 | 37499031 | Great | SMS AC Inc | SMS AC Inc |
| US8392300B1 | 0.982 | Method and system for transferring bill payment data | GRANT | 2013-03-05 | 2008-11-25 | 47749112 | Great | Intuit Inc | Intuit Inc |
| US7383226B2 | 0.982 | Integrated electronic bill presentment and risk based payment | GRANT | 2008-06-03 | 1991-07-25 | 21877194 | Great | Fiserv Inc | CheckFree Services Corp |
| US10922689B2 | 0.981 | Payment system and method | GRANT | 2021-02-16 | 2007-08-31 | 40408982 | Great | Microsoft Technology Licensing LLC | Microsoft Technology Licensing LLC |
| US7716132B1 | 0.981 | 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 |
| US7831246B1 | 0.980 | Mobile merchant | GRANT | 2010-11-09 | 2006-12-08 | 43034886 | Great | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US6044362A | 0.979 | Electronic invoicing and payment system | GRANT | 2000-03-28 | 1997-09-08 | 25451590 | Great | Invoicelink Corp | Emergis Technologies Inc |
| US20110016051A1 | 0.979 | INTELLIGENT AUTHENTICATION | APPLICATION | 2011-01-20 | 2009-06-30 | 43411722 | Great | Visa International Service Association | Visa International Service Association |
| US7379921B1 | 0.979 | Method and apparatus for providing authentication | GRANT | 2008-05-27 | 2004-11-08 | 39426954 | Great | Pisafe Inc | Gula Consulting LLC |
| US7499875B1 | 0.977 | 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 |
| US7314167B1 | 0.977 | Method and apparatus for providing secure identification verification and authorization | GRANT | 2008-01-01 | 2005-03-08 | 38870419 | Great | Pisafe Inc | Gula Consulting LLC |
| US7983994B2 | 0.974 | Module ID based encryption for financial transactions | GRANT | 2011-07-19 | 2007-11-29 | 40676741 | Great | Visa USA Inc | Visa USA Inc |
| US20060224470A1 | 0.974 | Digital mobile telephone transaction and payment system | APPLICATION | 2006-10-05 | 2003-07-02 | 33560926 | Great | Mobipay International SA | Mobipay International SA |
| US8662384B2 | 0.974 | Text message payment | GRANT | 2014-03-04 | 2006-02-28 | 38445206 | Great | Google LLC | Google LLC |
| EP1430452B1 | 0.972 | POINT-OF-SALE (POS) VOICE AUTHENTICATION TRANSACTION SYSTEM | GRANT | 2007-03-14 | 2001-06-15 | 25379849 | Great | Koninklijke Philips NV | Koninklijke Philips NV |
| US9704327B2 | 0.971 | 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 |
| US6078907A | 0.971 | 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 |
| US20110093387A1 | 0.970 | 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 |
| US5884288A | 0.968 | Method and system for electronic bill payment | GRANT | 1999-03-16 | 1996-07-01 | 25065848 | Great | Sun Microsystems Inc | Oracle America Inc |
| US20090089193A1 | 0.967 | BILL PAYMENT AGGREGATION SERVICE | APPLICATION | 2009-04-02 | 2007-09-28 | 40509468 | Great | Western Union Co | Western Union Co |
| US20090271276A1 | 0.965 | ELECTRONIC PAYMENT SYSTEM | APPLICATION | 2009-10-29 | 2008-04-24 | 40790534 | Great | Qualcomm Inc | Qualcomm Inc |
| US20050086164A1 | 0.965 | 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 |
| US7970669B1 | 0.964 | Method and system for store-to-consumer transaction management | GRANT | 2011-06-28 | 2008-07-25 | 44169474 | Great | Intuit Inc | Intuit Inc |
| US6049786A | 0.964 | 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 |
| US6343284B1 | 0.962 | 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 |
| US20110302083A1 | 0.961 | 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 |
| US7374079B2 | 0.961 | 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 |
| US8484131B2 | 0.959 | Methods and systems for processing a financial transaction | GRANT | 2013-07-09 | 2007-08-03 | 40339011 | Great | Mastercard International Inc | Mastercard International Inc |
| US8423466B2 | 0.956 | Secure authentication and payment system | GRANT | 2013-04-16 | 2006-10-25 | 37545927 | Great | Payfont Ltd | Leading Software Ltd |
| US20120011063A1 | 0.955 | VIRTUAL WALLET ACCOUNT WITH AUTOMATIC-LOADING | APPLICATION | 2012-01-12 | 2010-07-06 | 45439289 | Great | Mastercard International Inc | Mastercard International Inc |
| US7437324B1 | 0.955 | System and method of tracking bill payment methods | GRANT | 2008-10-14 | 2001-09-10 | 39828392 | Great | NCR Corp | NCR Corp |
| US7362869B2 | 0.955 | Method of distributing a public key | GRANT | 2008-04-22 | 2001-12-10 | 8160887 | Great | Cryptomathic AS | Cryptomathic AS |
| US20010044764A1 | 0.954 | Accepting and processing electronic checks authorized via a public network | APPLICATION | 2001-11-22 | 2000-01-19 | 22646821 | Great | CyberSource Corp | CyberSource Corp |
| EP2308014A1 | 0.954 | TRUSTED SERVICE MANAGER (TSM) ARCHITECTURES AND METHODS | GRANT | 2011-04-13 | 2008-06-06 | 41401179 | Great | eBay Inc | PayPal Inc |
| US20050125347A1 | 0.954 | 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 |
| US9715709B2 | 0.954 | Communication device including multi-part alias identifier | GRANT | 2017-07-25 | 2008-05-09 | 41265450 | Great | Visa International Service Association | Visa International Service Association |
| US10430780B2 | 0.954 | 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 |
| US9530131B2 | 0.953 | Transaction processing using a global unique identifier | GRANT | 2016-12-27 | 2008-07-29 | 41609315 | Great | Visa USA Inc | Visa USA Inc |
| US8433654B2 | 0.952 | 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 |
| US20110022515A1 | 0.946 | Mobile payment system | APPLICATION | 2011-01-27 | 2009-07-23 | 43498139 | Great | Wausau Financial Systems Inc | Wausau Financial Systems Inc |
| US20100280944A1 | 0.939 | PAPERLESS CHECKING TRANSACTIONS | APPLICATION | 2010-11-04 | 2009-04-30 | 43031122 | Great | eBay Inc | PayPal Inc |
| US20110022516A1 | 0.938 | Multiple Payments at One Click | APPLICATION | 2011-01-27 | 2009-07-25 | 43498140 | Great | ||
| US20110307381A1 | 0.938 | METHODS AND SYSTEMS FOR THIRD PARTY AUTHENTICATION AND FRAUD DETECTION FOR A PAYMENT TRANSACTION | APPLICATION | 2011-12-15 | 2010-06-10 | 45097004 | Great | ||
| US20080052091A1 | 0.936 | 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 |
| US7702579B2 | 0.934 | Interactive invoicer interface | GRANT | 2010-04-20 | 2000-12-19 | 24981472 | Great | Emergis Technologies Inc | Emergis Technologies Inc |
| US8484104B1 | 0.934 | 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 |
| US10255601B2 | 0.933 | Multifactor authentication using a directory server | GRANT | 2019-04-09 | 2010-02-25 | 44477320 | Great | Visa International Service Association | Visa International Service Association |
| US20170068947A1 | 0.932 | Method and apparatus for payments between mobile devices | APPLICATION | 2017-03-09 | 2006-09-24 | 49779114 | Great | RFCyber Corp | RFCyber Corp |
| US20030022655A1 | 0.931 | System and method for implementing financial transactions using cellular telephone data | APPLICATION | 2003-01-30 | 2001-07-25 | 25435134 | Great | NCR Corp | NCR Corp |
| US10733604B2 | 0.930 | Account permanence | GRANT | 2020-08-04 | 2007-09-13 | 40452833 | Great | Visa USA Inc | Visa USA Inc |
| US7788172B2 | 0.929 | Inter-network electronic billing | GRANT | 2010-08-31 | 2000-07-25 | 25400675 | Great | CheckFree Services Corp | CheckFree Services Corp |
| US7711690B1 | 0.929 | Dual source remittance processing | GRANT | 2010-05-04 | 1998-01-21 | 42109431 | Great | Fiserv Inc | Fiserv Inc |
| US20050177517A1 | 0.929 | System and method for facilitating electronic financial transactions using a mobile telecommunication device | APPLICATION | 2005-08-11 | 2001-12-04 | 3833044 | Great | ||
| US20100100480A1 | 0.928 | Apparatus and Method for Bill Payment Card Enrollment | APPLICATION | 2010-04-22 | 2008-09-15 | 42005537 | Great | Mastercard International Inc | Mastercard International Inc |
| US8249961B1 | 0.928 | 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 |
| EP0913789A2 | 0.927 | Pre-paid links to networks servers | GRANT | 1999-05-06 | 1997-10-31 | 25505273 | Great | Sun Microsystems Inc | Sun Microsystems Inc |
| US20080133403A1 | 0.927 | Mobile-To-Mobile Payment System And Method | APPLICATION | 2008-06-05 | 2006-11-14 | 39311032 | Great | Globaltel Media Inc | APPTECH CORP |
| US20170221087A1 | 0.925 | 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 | ||
| US20100250376A1 | 0.925 | VIRTUAL TERMINAL FOR MOBILE DEVICES | APPLICATION | 2010-09-30 | 2009-03-31 | 42785416 | Great | eBay Inc | PayPal Inc |
| US10262308B2 | 0.925 | Cardless challenge systems and methods | GRANT | 2019-04-16 | 2007-06-25 | 40137502 | Great | Visa USA Inc | Visa USA Inc |
| US7909243B2 | 0.924 | 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 |
| US20110264582A1 | 0.923 | DIRECT BILL PAYMENT APPARATUSES METHODS AND SYSTEMS | APPLICATION | 2011-10-27 | 2010-03-24 | 44673616 | Great | Visa International Service Association | Visa International Service Association |
| US20050250538A1 | 0.920 | 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 |
| US6932268B1 | 0.919 | Dual mode credit card based payment technique | GRANT | 2005-08-23 | 2003-06-30 | 34837611 | Great | Fiserv Inc | Fiserv Inc |
| US5283829A | 0.918 | System and method for paying bills electronically | GRANT | 1994-02-01 | 1992-10-01 | 25496364 | Great | Telcordia Technologies Inc | Nytell Software LLC |
| US20080177661A1 | 0.918 | SYSTEM AND METHODS FOR PHONE-BASED PAYMENTS | APPLICATION | 2008-07-24 | 2007-01-22 | 39642205 | Great | VOISIGN LLC | VOISIGN LLC |
| EP2196010B1 | 0.916 | UPDATING MOBILE DEVICES WITH ADDITIONAL ELEMENTS | GRANT | 2012-07-04 | 2007-09-12 | 40119295 | Great | Device Fidelity Inc | Device Fidelity Inc |
| US20110078077A1 | 0.916 | Systems and Methods to Facilitate Online Transactions | APPLICATION | 2011-03-31 | 2009-09-29 | 43781381 | Great | Boku Inc | Boku Inc |
| US8117100B1 | 0.915 | 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 |
| EP1727085A1 | 0.915 | 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 |
| US20040024702A1 | 0.914 | CATV billing system | APPLICATION | 2004-02-05 | 2002-07-31 | 31186724 | Great | Mavenir Ltd | Mavenir Ltd |
| US6895391B1 | 0.914 | 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 |
| US9792611B2 | 0.914 | Secure authentication system and method | GRANT | 2017-10-17 | 2009-05-15 | 45492768 | Great | Visa International Service Association | Visa International Service Association |
| US10445723B2 | 0.913 | NFC-transaction processing systems and methods | GRANT | 2019-10-15 | 2010-04-09 | 49582099 | Great | PayPal Inc | PayPal Inc |
| US5336870A | 0.913 | 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 |
| US8494958B2 | 0.912 | 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 |
| US7653591B1 | 0.908 | Late fee avoidance system | GRANT | 2010-01-26 | 2002-09-13 | 41559845 | Great | ||
| US9715681B2 | 0.907 | Verification of portable consumer devices | GRANT | 2017-07-25 | 2009-04-28 | 42992980 | Great | Visa International Service Association | Visa International Service Association |
| US7707120B2 | 0.906 | Mobile account authentication service | GRANT | 2010-04-27 | 2002-04-17 | 29219700 | Great | Visa International Service Association | Visa International Service Association |
| US20060085337A1 | 0.905 | 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 |
| US20100250416A1 | 0.904 | DIRECTING PAYMENTS TO SATISFY PERIODIC FINANCIAL OBLIGATIONS | APPLICATION | 2010-09-30 | 2009-03-24 | 42199257 | Great | Yodlee com Inc | Yodlee com Inc |
| US20100153227A1 | 0.904 | MOBILE PHONE BILLING FOR CONTENT PAYMENT | APPLICATION | 2010-06-17 | 2008-12-12 | 42241673 | Great | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20100146263A1 | 0.902 | 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 |
| US20090182634A1 | 0.901 | Image-Based Payment Medium | APPLICATION | 2009-07-16 | 2008-01-10 | 40851487 | Great | ||
| US8285641B2 | 0.901 | 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 |
| US20040167823A1 | 0.900 | Automated electronic payment system | APPLICATION | 2004-08-26 | 1997-09-08 | 33434797 | Great | BCE Emergis Technologies Inc | Emergis Technologies Inc |
| US8014756B1 | 0.899 | Mobile authorization service | GRANT | 2011-09-06 | 2007-02-28 | 44513620 | Great | Intuit Inc | Intuit Inc |
| US20110191196A1 | 0.899 | 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 |
| US6304860B1 | 0.898 | Automated debt payment system and method using ATM network | GRANT | 2001-10-16 | 1997-10-03 | 25479377 | Great | ||
| US20100076880A1 | 0.897 | Third-Party Billing System and Method | APPLICATION | 2010-03-25 | 2000-08-28 | 24602591 | Great | Atolaire Ltd | Atolaire Ltd |
| US10380573B2 | 0.897 | Peer-to-peer financial transaction devices and methods | GRANT | 2019-08-13 | 2008-09-30 | 42058500 | Great | Apple Inc | Apple Inc |
| US8473353B2 | 0.896 | Conducting commerce between individuals | GRANT | 2013-06-25 | 1999-02-19 | 26832990 | Great | ||
| US7822624B2 | 0.895 | Healthcare eligibility transactions | GRANT | 2010-10-26 | 2006-07-26 | 38982314 | Great | Metavante Corp | Alegeus Technologies LLC |
| US20080243650A1 | 0.895 | 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 |
| US20080052182A1 | 0.894 | 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 |
| US20090172402A1 | 0.893 | Multi-factor authentication and certification system for electronic transactions | APPLICATION | 2009-07-02 | 2007-12-31 | 40800096 | Great | ||
| US20040122766A1 | 0.893 | Method and apparatus for paying bills online | APPLICATION | 2004-06-24 | 2002-12-20 | 32594270 | Great | Corillian Corp | Corillian Corp |
| US20120089521A1 | 0.893 | 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 |
| US6438527B1 | 0.893 | 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 |
| US7216104B2 | 0.893 | Disallow payment for E-billing system | GRANT | 2007-05-08 | 2000-03-14 | 26884911 | Great | Verizon Business Global LLC | Rakuten Inc |
| US20050137948A1 | 0.893 | SYSTEM AND METHOD FOR BILL PAYMENT | APPLICATION | 2005-06-23 | 2003-12-22 | 34552639 | Great | Pitney Bowes Inc | Pitney Bowes Inc |
| US7392223B1 | 0.890 | Electronic billing with updateable electronic bill summary | GRANT | 2008-06-24 | 1998-02-02 | 39530098 | Great | Fiserv Inc | Fiserv Inc |
| US20100257102A1 | 0.890 | 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 |
| US7792749B2 | 0.889 | Dynamic biller list generation | GRANT | 2010-09-07 | 1999-04-26 | 23152416 | Great | Fiserv Inc | Fiserv Inc, CheckFree Services Corp |
| US7627524B2 | 0.888 | 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 |
| US10289999B2 | 0.887 | 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 |
| US7949609B2 | 0.885 | System for secure online selling buying and bill pay in an electronic commerce setting | GRANT | 2011-05-24 | 2006-01-06 | 38286710 | Great | ||
| US20030125969A1 | 0.883 | 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 |
| US8117124B2 | 0.882 | Transferring funds electronically | GRANT | 2012-02-14 | 2008-05-23 | 39615971 | Great | VIDICOM Ltd | Boku Inc |
| US8037511B1 | 0.881 | 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 |
| US7698217B1 | 0.881 | 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 |
| US9449313B2 | 0.881 | Customer to supplier funds transfer | GRANT | 2016-09-20 | 2008-05-23 | 39615969 | Great | Boku Inc | Boku Inc |
| US10296889B2 | 0.880 | Group peer-to-peer financial transactions | GRANT | 2019-05-21 | 2008-09-30 | 42056315 | Great | Apple Inc | Swedish Orphan Biovitrum AB, Apple Inc |
| US6334116B1 | 0.880 | Technique for centrally tracking transactions in an electronic billing system | GRANT | 2001-12-25 | 1998-02-02 | 32660252 | Great | Fiserv Inc | Fiserv Inc |
| US8359003B1 | 0.880 | Alternative text billing system and method | GRANT | 2013-01-22 | 2009-12-21 | 47521770 | Great | Sprint Communications Co LP | T Mobile Innovations LLC |
| US20110251962A1 | 0.879 | Transaction method for secure electronic gift cards | APPLICATION | 2011-10-13 | 2010-04-13 | 44761633 | Great | ||
| US7734543B2 | 0.877 | Electronic bill presentment and payment system | GRANT | 2010-06-08 | 2000-05-09 | 22752205 | Great | Metavante Corp | Metavante Corp |
| US10296874B1 | 0.877 | 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 |
| US7848974B1 | 0.876 | 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 |
| US8443202B2 | 0.875 | Methods and systems for authenticating users | GRANT | 2013-05-14 | 2009-08-05 | 43535780 | Great | Daon Holdings Ltd | Daon Holdings Ltd |
| US20050222961A1 | 0.875 | 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 |
| US20110196791A1 | 0.874 | FRAUD REDUCTION SYSTEM FOR TRANSACTIONS | APPLICATION | 2011-08-11 | 2010-02-08 | 44354463 | Great | Visa International Service Association | Visa International Service Association |
| US20060195398A1 | 0.874 | Method and apparatus for processing payment requests | APPLICATION | 2006-08-31 | 2005-02-04 | 36932974 | Great | Cashedge Inc | Cashedge Inc |
| US20050278250A1 | 0.874 | Transaction processing payment system | APPLICATION | 2005-12-15 | 2004-06-10 | 35461678 | Great | ||
| US7587363B2 | 0.873 | 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 |
| US10586229B2 | 0.872 | Anytime validation tokens | GRANT | 2020-03-10 | 2010-01-12 | 44259549 | Great | Visa International Service Association | Visa International Service Association |
| US7849014B2 | 0.872 | 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 |
| US20100042537A1 | 0.872 | ELECTRONIC BILL PAYMENT WITH VARIABLE PAYMENT OPTIONS | APPLICATION | 2010-02-18 | 2008-08-13 | 41681946 | Great | MoneyGram International Inc | MoneyGram International Inc |
| US7302411B2 | 0.872 | Electronic Billing with required viewing of supplemental information | GRANT | 2007-11-27 | 1999-10-08 | 23642709 | Great | Fiserv Inc | Fiserv Inc, CheckFree Services Corp |
| US7739193B2 | 0.871 | 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 |
| US8326261B2 | 0.870 | Supplier funds reception electronically | GRANT | 2012-12-04 | 2008-05-23 | 39615967 | Great | Boku Inc | Boku Inc |
| US20080011825A1 | 0.870 | 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 |
| US20090292642A1 | 0.869 | Method and system for automatically issuing digital merchant based online payment card | APPLICATION | 2009-11-26 | 2005-07-06 | 37897399 | Great | ||
| US20100217706A1 | 0.869 | BILL PAYMENT MANAGEMENT | APPLICATION | 2010-08-26 | 2009-02-23 | 42237103 | Great | Bank of America Corp | Bank of America Corp |
| US8527410B2 | 0.867 | Control of billing in a communications system | GRANT | 2013-09-03 | 2001-02-19 | 8555894 | Great | Nokia Oyj | Nokia Technologies Oy |
| US20040139005A1 | 0.866 | Making cashless purchases without identifying the purchase's payment account | APPLICATION | 2004-07-15 | 1999-04-26 | 23153317 | Great | Fiserv Inc | Fiserv Inc |
| US20070297610A1 | 0.866 | Data protection for a mobile device | APPLICATION | 2007-12-27 | 2006-06-23 | 38873598 | Great | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7752130B2 | 0.865 | 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 |
| US7177830B2 | 0.864 | On-line payment system | GRANT | 2007-02-13 | 2000-09-15 | 4167151 | Great | Hyperwallet Systems Inc | PayPal Inc |
| US20050161502A1 | 0.864 | 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 |
| US8452704B2 | 0.864 | 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 |
| US20060206425A1 | 0.864 | 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 |
| US20070011093A1 | 0.862 | SECURE PAYMENT METHOD AND SYSTEM | APPLICATION | 2007-01-11 | 2001-05-02 | 29252429 | Great | Virtual Access Ltd | Resource Consortium Ltd |
| US8489513B2 | 0.861 | 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 |
| US20080154757A1 | 0.860 | 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 |
| US8401965B2 | 0.860 | Payment handling | GRANT | 2013-03-19 | 2007-10-31 | 40231289 | Great | Bank of America Corp | Bank of America Corp |
| US20020052841A1 | 0.859 | Electronic payment system | APPLICATION | 2002-05-02 | 2000-10-27 | 27399716 | Great | Brodia Group | Brodia Group |
| US7752132B2 | 0.858 | 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 |
| US7708190B2 | 0.858 | 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 |
| US8116747B2 | 0.857 | Funds transfer electronically | GRANT | 2012-02-14 | 2008-05-23 | 39615968 | Great | VIDICOM Ltd | Boku Inc |
| US6856974B1 | 0.856 | Electronic bill presentment technique with enhanced biller control | GRANT | 2005-02-15 | 1998-02-02 | 34114822 | Great | Fiserv Inc | Fiserv Inc |
| US20090240624A1 | 0.855 | 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 |
| US8285640B2 | 0.855 | System and methods for facilitating fund transfers over a network | GRANT | 2012-10-09 | 2008-07-23 | 41569509 | Great | eBay Inc | PayPal Inc |
| US8615426B2 | 0.855 | Coupon offers from multiple entities | GRANT | 2013-12-24 | 2006-12-26 | 39544256 | Great | Visa USA Inc | Visa USA Inc |
| US10699261B2 | 0.854 | 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 |
| US6988657B1 | 0.854 | Wireless payment processing system | GRANT | 2006-01-24 | 2004-07-20 | 35613966 | Great | ROK MONICA LINDA | ROK MONICA LINDA |
| US20090043696A1 | 0.854 | 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 |
| US20030126076A1 | 0.853 | Systems and methods for secure authorization of electronic transactions | APPLICATION | 2003-07-03 | 2001-12-27 | 21873996 | Great | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US8121894B2 | 0.853 | Early-payment discount for e-billing system | GRANT | 2012-02-21 | 2000-03-14 | 26884910 | Great | Verizon Business Global LLC | Rakuten Inc |
| US20070063017A1 | 0.852 | System and method for securely making payments and deposits | APPLICATION | 2007-03-22 | 2005-09-21 | 37883072 | Great | ||
| US7107243B1 | 0.852 | System and method for automated bill payment service | GRANT | 2006-09-12 | 1998-08-10 | 36951919 | Great | Citibank NA | Citibank NA |
| US20100306103A1 | 0.851 | System and method for waterfall prioritized payment processing | APPLICATION | 2010-12-02 | 2003-10-31 | 42669723 | Great | ||
| US7945491B2 | 0.851 | Integrated systems for electronic bill presentment and payment | GRANT | 2011-05-17 | 2000-01-12 | 22641497 | Great | Metavante Corp | Metavante Corp, Derivion Corp |
| US7752135B2 | 0.850 | Credit authorization system and method | GRANT | 2010-07-06 | 2002-01-16 | 21946487 | Great | International Business Machines Corp | Toshiba Global Commerce Solutions Holdings Corp |
| US20030191701A1 | 0.850 | Methods devices and systems for electronic bill presentment and payment | APPLICATION | 2003-10-09 | 1999-08-31 | 23526942 | Great | Oracle Corp | Oracle Corp |
| US7644035B1 | 0.850 | 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 |
| US7401049B2 | 0.850 | System and method for a prepaid card issued by a foreign financial institution | GRANT | 2008-07-15 | 2001-05-29 | 23131907 | Great | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US20030177090A1 | 0.849 | 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 |
| US6968319B1 | 0.849 | 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 |
| US7548886B2 | 0.847 | 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 |
| US20080015985A1 | 0.847 | 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 |
| US9582801B2 | 0.846 | 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 |
| US8140432B2 | 0.845 | Aggregated postal billing and payment methods and systems | GRANT | 2012-03-20 | 2002-12-12 | 32599694 | Great | Oracle International Corp | Oracle International Corp |
| US20020040355A1 | 0.845 | 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 |
| US7286813B1 | 0.844 | Validating a transaction with user voice authentication using wireless communications | GRANT | 2007-10-23 | 2000-05-25 | 29420771 | Great | Sprint Communications Co LP | Sprint Communications Co LP |
| US6910624B1 | 0.843 | Mobile communication terminal and card information reading device | GRANT | 2005-06-28 | 1999-12-10 | 26579597 | Great | NTT Docomo Inc | Google LLC |
| US7290288B2 | 0.843 | 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 |
| US20020103753A1 | 0.842 | Charge splitter application | APPLICATION | 2002-08-01 | 2001-01-31 | 25102449 | Great | ||
| US8500006B2 | 0.841 | Gift card purchasing system | GRANT | 2013-08-06 | 2009-08-13 | 43586765 | Great | Visa International Service Association | Visa International Service Association |
| US6064987A | 0.841 | 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 |
| US8151344B1 | 0.841 | Method and apparatus to authenticate a user | GRANT | 2012-04-03 | 2009-01-29 | 45877509 | Great | Intuit Inc | Intuit Inc |
| US8510223B2 | 0.841 | Money transfer transactions via pre-paid wireless communication devices | GRANT | 2013-08-13 | 2006-08-03 | 39030433 | Great | Western Union Co | Western Union Co |
| US9038886B2 | 0.839 | Verification of portable consumer devices | GRANT | 2015-05-26 | 2009-05-15 | 43069459 | Great | Visa International Service Association | Visa International Service Association |
| US7966255B2 | 0.838 | 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 |
| US6473740B2 | 0.838 | Electronic commerce using a transaction network | GRANT | 2002-10-29 | 1998-11-29 | 22745334 | Great | Qpass Inc | Amdocs Development Ltd, Amdocs Inc |
| US20020120582A1 | 0.836 | 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 |
| US8265591B1 | 0.836 | Blocking subscribers defaulting payment from network access | GRANT | 2012-09-11 | 2010-02-02 | 46760710 | Great | Sprint Communications Co LP | T Mobile Innovations LLC |
| US20100325045A1 | 0.835 | JSI biometric payment system | APPLICATION | 2010-12-23 | 2009-06-22 | 43355128 | Great | ||
| US20020060246A1 | 0.834 | 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 |
| US20050033690A1 | 0.834 | System and method for digital bill presentment and payment | APPLICATION | 2005-02-10 | 1996-03-01 | 27086062 | Great | ||
| US20100280914A1 | 0.833 | SECURITY SYSTEM AND METHOD INCLUDING ALERT MESSAGES | APPLICATION | 2010-11-04 | 2009-05-04 | 43031108 | Great | Visa International Service Association | Visa International Service Association |
| US20010014878A1 | 0.833 | TRANSACTION METHOD AND APPARATUS | APPLICATION | 2001-08-16 | 1998-11-09 | 22693804 | Great | AT&T Corp | AT&T Corp |
| US20100042539A1 | 0.833 | Money Movement Network Hub System | APPLICATION | 2010-02-18 | 2008-08-18 | 41681947 | Great | Cashedge Inc | Cashedge Inc |
| US20110082788A1 | 0.832 | Electronic Funds Transfer | APPLICATION | 2011-04-07 | 2005-12-14 | 38140617 | Great | Navaho Networks Inc | Navaho Networks Inc |
| US20100114768A1 | 0.832 | Payment vehicle with on and off function | APPLICATION | 2010-05-06 | 2008-10-31 | 42132639 | Great | Wachovia Corp | Wells Fargo Bank NA |
| US10255591B2 | 0.832 | 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 |
| US7606355B2 | 0.832 | 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 |
| US20050240526A1 | 0.832 | Automated financial service system | APPLICATION | 2005-10-27 | 2004-04-26 | 35242145 | Great | PayCenters LLC | PayCenters LLC |
| US20010005840A1 | 0.832 | 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 |
| US8407141B2 | 0.831 | System and method for processing multiple methods of payment | GRANT | 2013-03-26 | 2007-10-30 | 40584116 | Great | Visa USA Inc | Visa USA Inc |
| US20080046363A1 | 0.830 | Automated bill payment | APPLICATION | 2008-02-21 | 2006-08-16 | 39083023 | Great | SBC Knowledge Ventures LP | AT&T Intellectual Property I LP |
| US9372971B2 | 0.830 | 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 |
| US7366702B2 | 0.830 | System and method for secure network purchasing | GRANT | 2008-04-29 | 1999-07-30 | 46277715 | Great | iPass Inc | iPass Inc |
| US8538871B2 | 0.828 | Method for facilitating payment of a computerized transaction | GRANT | 2013-09-17 | 2000-06-27 | 24419941 | Great | Western Union Co | Western Union Co, Western Union Financial Services Inc |
| US20050010523A1 | 0.828 | 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 |
| US7574405B2 | 0.828 | 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 |
| US8538874B2 | 0.828 | 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 |
| US6289323B1 | 0.828 | System and method for completing monetary transactions by presentment of postage value to a postal authority | GRANT | 2001-09-11 | 1999-06-18 | 23312400 | Great | US Postal Service (USPS) | US Postal Service (USPS) |
| US20060173778A1 | 0.828 | Enterprise billing system for medical billing | APPLICATION | 2006-08-03 | 2005-02-01 | 36757819 | Great | Epic Systems Corp | Epic Systems Corp |
| US20100179907A1 | 0.827 | METHODS AND A SYSTEM FOR PROVIDING TRANSACTION RELATED INFORMATION | APPLICATION | 2010-07-15 | 2007-02-01 | 37891119 | Great | Monitise Group Ltd | Monitise Group Ltd |
| US9317848B2 | 0.827 | Integration of verification tokens with mobile communication devices | GRANT | 2016-04-19 | 2009-05-15 | 45994723 | Great | Visa International Service Association | Visa International Service Association |
| US7890358B2 | 0.827 | Accessibility insurance coverage management | GRANT | 2011-02-15 | 2002-12-12 | 32506375 | Great | International Business Machines Corp | International Business Machines Corp |
| US20060018450A1 | 0.827 | Mobile telephone transaction system employing electronic account card | APPLICATION | 2006-01-26 | 2004-07-26 | 35657126 | Great | ||
| US20110264586A1 | 0.826 | SYSTEM AND METHOD FOR MULTIPATH CONTACTLESS TRANSACTIONS | APPLICATION | 2011-10-27 | 2010-02-11 | 44816627 | Great | Cimbal Inc | Cimbal Inc |
| US7827115B2 | 0.825 | Online payer authentication service | GRANT | 2010-11-02 | 2000-04-24 | 22738768 | Great | Visa International Service Association | Visa International Service Association |
| US8352362B2 | 0.825 | Secure authentication and payment system | GRANT | 2013-01-08 | 2001-07-06 | 25411715 | Great | Aliaswire Inc | Aliaswire Inc |
| US7711645B2 | 0.825 | System and method for processing payments | GRANT | 2010-05-04 | 2006-12-15 | 39528719 | Great | ||
| US9317844B2 | 0.824 | 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 |
| US7693783B2 | 0.824 | Universal merchant platform for payment authentication | GRANT | 2010-04-06 | 2002-06-12 | 46150487 | Great | CardinalCommerce Corp | CardinalCommerce Corp |
| US20070027816A1 | 0.824 | METHODS AND SYSTEMS FOR IMPROVED SECURITY FOR FINANCIAL TRANSACTIONS THROUGH A TRUSTED THIRD PARTY ENTITY | APPLICATION | 2007-02-01 | 2005-07-27 | 37709130 | Great | ||
| US10846683B2 | 0.824 | 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 |
| US20060178986A1 | 0.823 | 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 |
| US5383113A | 0.822 | 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 |
| US20020069168A1 | 0.822 | 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 |
| US8527377B2 | 0.821 | Point code to billing ID | GRANT | 2013-09-03 | 2008-12-12 | 42241684 | Great | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US5991749A | 0.821 | Wireless telephony for collecting tolls conducting financial transactions and authorizing other activities | GRANT | 1999-11-23 | 1996-09-11 | 26693306 | Great | 736 Partners LLC | 736 Partners LLC |
| US8016185B2 | 0.821 | Money transfer service with authentication | GRANT | 2011-09-13 | 2004-07-06 | 34973071 | Great | Visa International Service Association | Visa International Service Association |
| US20100293065A1 | 0.821 | 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 |
| US6529880B1 | 0.821 | Automatic payment system for a plurality of remote merchants | GRANT | 2003-03-04 | 1999-12-01 | 23796907 | Great | Intermec IP Corp | Intermec IP Corp |
| US9542687B2 | 0.820 | 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 |
| US5655008A | 0.819 | 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 |
| US20080082990A1 | 0.819 | APPARATUS AND METHOD FOR INTERFACING IN A COMMUNICATION SYSTEM | APPLICATION | 2008-04-03 | 2006-09-30 | 38984179 | Great | Samsung Electronics Co Ltd | Samsung Electronics Co Ltd |
| US20060195396A1 | 0.819 | 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 |
| US20110208659A1 | 0.818 | 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 |
| US8145188B2 | 0.818 | 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 |
| US7765148B2 | 0.818 | 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 |
| US20020107745A1 | 0.818 | 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 |
| US8417635B2 | 0.817 | 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 |
| US7331518B2 | 0.816 | Transaction processing systems and methods | GRANT | 2008-02-19 | 2006-04-04 | 38557355 | Great | FactorTrust Inc | Gula Consulting LLC |
| US10026076B2 | 0.816 | 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 |
| US7296004B1 | 0.814 | Electronic bill payment system with merchant identification | GRANT | 2007-11-13 | 1997-12-19 | 25540238 | Great | Fiserv Inc | Fiserv Inc |
| US20020040346A1 | 0.814 | 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 | ||
| US8117077B2 | 0.814 | Method and system of online shopping via third party using blog | GRANT | 2012-02-14 | 2009-03-24 | 42785428 | Great | ||
| US20100325048A1 | 0.813 | SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION | APPLICATION | 2010-12-23 | 2009-04-28 | 43050745 | Great | Visa International Service Association | Visa International Service Association |
| US6973671B1 | 0.813 | 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 |
| US7395241B1 | 0.813 | Consumer-directed financial transfers using automated clearinghouse networks | GRANT | 2008-07-01 | 2000-01-19 | 23934910 | Great | Intuit Inc | Intuit Inc |
| US7089208B1 | 0.812 | System and method for electronically exchanging value among distributed users | GRANT | 2006-08-08 | 1999-04-30 | 27384198 | Great | PayPal Inc | PayPal Inc |
| US6845448B1 | 0.812 | Online repository for personal information | GRANT | 2005-01-18 | 2000-01-07 | 33563780 | Great | Pennar Software Corp | PENNER SOFTWARE Corp, Pennar Software Corp |
| US8827154B2 | 0.812 | Verification of portable consumer devices | GRANT | 2014-09-09 | 2009-05-15 | 43069362 | Great | Visa International Service Association | Visa International Service Association |
| US7292840B2 | 0.812 | Method for ascertaining a billing tariff for a data transfer | GRANT | 2007-11-06 | 2003-07-31 | 33522364 | Great | Siemens AG | Redknee Inc |
| US7437328B2 | 0.812 | Value insertion using bill pay card preassociated with biller | GRANT | 2008-10-14 | 2003-11-14 | 39313082 | Great | E2interactive Inc | E2interactive Inc |
| US20080114657A1 | 0.812 | INTERNET PAYMENT SYSTEM AND METHOD | APPLICATION | 2008-05-15 | 2002-11-01 | 46205008 | Great | ModaSolutions Corp | Western Union Financial Services Inc |
| US20110065418A1 | 0.811 | 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 |
| US6032132A | 0.811 | Telecommunications access cost management system | GRANT | 2000-02-29 | 1998-06-12 | 22261391 | Great | CSG Systems Inc | CSG Systems Inc |
| US7689487B1 | 0.810 | Computer-assisted funds transfer system | GRANT | 2010-03-30 | 1999-05-14 | 42027064 | Great | Amazon com Inc | Amazon Technologies Inc |
| US8060916B2 | 0.810 | System and method for website authentication using a shared secret | GRANT | 2011-11-15 | 2006-11-06 | 39361034 | Great | Symantec Corp | NortonLifeLock Inc |
| US11004043B2 | 0.810 | 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 |
| US8620299B2 | 0.809 | 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 |
| US5903830A | 0.809 | Transaction security apparatus and method | GRANT | 1999-05-11 | 1996-08-08 | 24787826 | Great | JOAO BOCK TRANSACTION SYSTEMS LLC | JOAO BOCK TRANSACTION SYSTEMS LLC |
| US20110218849A1 | 0.808 | CLOUD PLATFORM FOR MULTIPLE ACCOUNT MANAGEMENT & AUTOMATED TRANSACTION PROCESSING | APPLICATION | 2011-09-08 | 2010-03-03 | 44532104 | Great | ||
| US9536243B2 | 0.808 | 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 |
| US20100078471A1 | 0.808 | System and method for processing peer-to-peer financial transactions | APPLICATION | 2010-04-01 | 2008-09-30 | 42056314 | Great | Apple Inc | Apple Inc |
| US7080049B2 | 0.808 | 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 |
| US6977998B2 | 0.807 | Destination device billing according to call recipient | GRANT | 2005-12-20 | 2001-12-17 | 21814897 | Good | International Business Machines Corp | PayPal Inc |
| US6173272B1 | 0.806 | Electronic funds transfer method and system and bill presentment method and system | GRANT | 2001-01-09 | 1998-04-27 | 22071154 | Good | Clearing House Service Co LLC | Clearing House Payments Co LLC |
| US5903881A | 0.805 | Personal online banking with integrated online statement and checkbook user interface | GRANT | 1999-05-11 | 1997-06-05 | 25353849 | Good | Intuit Inc | Intuit Inc |
| US20010056390A1 | 0.805 | Method and system hosting of multiple billers in an internet bill presentment and payment environment | APPLICATION | 2001-12-27 | 2000-06-23 | 26908814 | Good | Netscape Communications Corp | Sun Microsystems Inc |
| US8326747B2 | 0.804 | System and method for flexible deferred payment terms | GRANT | 2012-12-04 | 2007-04-17 | 39873189 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US20070083465A1 | 0.804 | Method and system using bill payment reminders | APPLICATION | 2007-04-12 | 2005-10-07 | 37911985 | Good | Visa USA Inc | Visa USA Inc |
| US6748367B1 | 0.804 | 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 | ||
| US7319987B1 | 0.803 | Tokenless financial access system | GRANT | 2008-01-15 | 1996-08-29 | 38963154 | Good | Indivos Corp | INDIVOS Corp A DELAWARE CORPORATION, Open Invention Network LLC, Excel Innovations Inc |
| US20110136468A1 | 0.803 | Devices Systems and Methods for Location Based Billing | APPLICATION | 2011-06-09 | 2009-12-07 | 44082508 | Good | AT&T Mobility II LLC | AT&T Mobility II LLC |
| US20070067239A1 | 0.802 | Method and Apparatus for Transferring Financial Information | APPLICATION | 2007-03-22 | 2005-09-19 | 37885366 | Good | Cashedge Inc | Cashedge Inc |
| US5326959A | 0.802 | Automated customer initiated entry remittance processing system | GRANT | 1994-07-05 | 1992-08-04 | 25451935 | Good | ||
| US7613656B2 | 0.801 | Coupon payment system | GRANT | 2009-11-03 | 2003-08-11 | 34193206 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20010051915A1 | 0.800 | Data transfer system using mobile terminal and two-dimensional barcode | APPLICATION | 2001-12-13 | 2000-03-29 | 26588748 | Good | International Business Machines Corp | Toshiba Global Commerce Solutions Holdings Corp |
| US20080097851A1 | 0.800 | METHOD OF DISTRIBUTING INFORMATION VIA MOBILE DEVICES AND ENABLING ITS USE AT A POINT OF TRANSACTION | APPLICATION | 2008-04-24 | 2006-10-17 | 39314782 | Good | Solidus Networks Inc | Solidus Networks Inc, YOU Technology LLC |
| US20110196795A1 | 0.799 | 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 | Good | ||
| US7792518B2 | 0.799 | System and method to initiate a mobile data communication utilizing a trigger system | GRANT | 2010-09-07 | 2003-07-18 | 39970511 | Good | M Qube Inc | Mantis Communications LLC |
| US8112354B2 | 0.799 | Method and system for virtual consolidation of biller direct web sites | GRANT | 2012-02-07 | 2005-04-08 | 37084236 | Good | Billeo Inc | Paymentus Inc |
| US5616902A | 0.798 | Bill pay system and method | GRANT | 1997-04-01 | 1994-09-12 | 23175794 | Good | Lottery Enterprises Inc | E-POINT TECHNOLOGIES Inc, Lottery Enterprises Inc |
| US6144726A | 0.797 | Telecommunications access cost management system | GRANT | 2000-11-07 | 1998-06-12 | 22259069 | Good | CSG Systems Inc | CSG Systems Inc |
| US20100250394A1 | 0.797 | Method and system of online auction using blog | APPLICATION | 2010-09-30 | 2009-03-24 | 42785427 | Good | ||
| US10992817B2 | 0.797 | 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 | Good | Mastercard International Inc | Mastercard International Inc |
| US8504474B2 | 0.795 | Consolidated payment account system and method | GRANT | 2013-08-06 | 2001-06-27 | 23162921 | Good | American Express Travel Related Services Co Inc | American Express Travel Related Services Co Inc |
| US8725579B2 | 0.795 | Device ID and financial information | GRANT | 2014-05-13 | 2010-04-30 | 44859040 | Good | Qualcomm Inc | Qualcomm Inc |
| WO2010129257A2 | 0.795 | MULTIPLE CHANNEL OPTIMIZATION FOR TRANSACTION MESSAGES | APPLICATION | 2010-11-11 | 2009-04-28 | 42992085 | Good | ||
| US20110137765A1 | 0.795 | ELECTRONIC SETTLEMENT SYSTEM ELECTRONIC SETTLEMENT SERVER MOBILE COMMUNICATIONS TERMINAL AND ELECTRONIC SETTLEMENT METHOD | APPLICATION | 2011-06-09 | 2008-06-12 | 41416455 | Good | Universal Entertainment Corp | Universal Entertainment Corp |
| US7537153B2 | 0.794 | 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 |
| US7953660B2 | 0.793 | Method and system for payment processing | GRANT | 2011-05-31 | 2000-12-28 | 46277461 | Good | CheckFree Services Corp | CheckFree Services Corp |
| US7895107B2 | 0.792 | Method of interacting with printed form | GRANT | 2011-02-22 | 1999-05-25 | 27158144 | Good | Silverbrook Research Pty Ltd | Silverbrook Research Pty Ltd |
| US8601602B1 | 0.792 | Enhanced multi-factor authentication | GRANT | 2013-12-03 | 2010-08-31 | 46964364 | Good | Google LLC | Google LLC |
| US20080249936A1 | 0.792 | BILL PAYING SYSTEMS AND ASSOCIATED METHODS | APPLICATION | 2008-10-09 | 2007-04-04 | 39827825 | Good | PREMIER PAYMENT SERVICES LLC | PREMIER PAYMENT SERVICES LLC |
| US20130030996A1 | 0.792 | SYSTEMS AND METHODS FOR BILL PAY WITH CREDIT CARD FUNDING | APPLICATION | 2013-01-31 | 2004-04-16 | 35097479 | Good | Wells Fargo Bank NA | Wells Fargo Bank NA |
| US7707109B2 | 0.792 | 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 |
| US7693787B2 | 0.791 | 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 |
| US5721768A | 0.790 | Pre-paid card system and method | GRANT | 1998-02-24 | 1994-06-06 | 26943919 | Good | Call Processing Inc | Call Processing Inc |
| US20020077978A1 | 0.790 | Method and system for processing internet payments | APPLICATION | 2002-06-20 | 2000-06-22 | 27395866 | Good | Chase Manhattan Bank NA | JPMorgan Chase Bank NA |
| US5999596A | 0.789 | Method and system for controlling authorization of credit card transactions | GRANT | 1999-12-07 | 1998-03-06 | 21886817 | Good | Walker Asset Management LP | Inventor Holdings LLC |
| US8054957B2 | 0.788 | Origin device billing according to caller | GRANT | 2011-11-08 | 2001-12-17 | 21814906 | Good | International Business Machines Corp | eBay Inc |
| US6842740B1 | 0.788 | Method for providing automatic payment when making duplicates of copyrighted material | GRANT | 2005-01-11 | 1999-12-20 | 33551406 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US6612488B2 | 0.788 | 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 |
| US8452709B2 | 0.787 | 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 |
| US7707117B1 | 0.787 | Method and apparatus for communicating state information in an electronic transaction message | GRANT | 2010-04-27 | 2003-03-24 | 42112560 | Good | CyberSource Corp | CyberSource Corp |
| US8225992B2 | 0.787 | Method and apparatus for distribution of money transfers | GRANT | 2012-07-24 | 2006-12-07 | 39499435 | Good | MoneyGram International Inc | MoneyGram International Inc |
| US6128603A | 0.787 | 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 |
| US7818229B2 | 0.786 | 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 |
| US8745698B1 | 0.786 | Dynamic authentication engine | GRANT | 2014-06-03 | 2009-06-09 | 50781447 | Good | Bank of America Corp | Bank of America Corp |
| US20050222952A1 | 0.785 | 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 |
| US7831521B1 | 0.785 | 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 |
| US20080162295A1 | 0.784 | METHOD AND SYSTEM FOR PAYMENT AUTHENTICATION | APPLICATION | 2008-07-03 | 2006-12-29 | 39316407 | Good | eBay Inc | PayPal Inc |
| US20130191278A1 | 0.784 | 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 |
| US4578530A | 0.784 | End-to-end encryption system and method of operation | GRANT | 1986-03-25 | 1981-06-26 | 26958844 | Good | Visa USA Inc | Visa USA Inc |
| US7620383B2 | 0.784 | Client-based context-based billing for wireless networks | GRANT | 2009-11-17 | 2004-12-29 | 36612412 | Good | United States Cellular Corp | United States Cellular Corp |
| US6052671A | 0.784 | Computerized bill consolidation billing and payment authorization with remote access to the billing information | GRANT | 2000-04-18 | 1997-12-03 | 25530790 | Good | Avista Advantage Inc | Engie Insight Services Inc |
| US7665657B2 | 0.783 | Bank transaction method linking accounts via common accounts | GRANT | 2010-02-23 | 2003-12-18 | 36693355 | Good | ||
| US20080133351A1 | 0.782 | 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 |
| US20030217000A1 | 0.782 | System and method for collecting information via the internet using existing web sites | APPLICATION | 2003-11-20 | 2002-05-17 | 29419315 | Good | ||
| US10693531B2 | 0.782 | Secure end-to-end transport through intermediary nodes | GRANT | 2020-06-23 | 2002-01-08 | 26995056 | Good | Seven Networks Inc | Seven Networks Inc |
| US5850446A | 0.781 | 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 |
| US7370014B1 | 0.781 | 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 |
| US20030014360A1 | 0.781 | Service activation by virtual prepaid card | APPLICATION | 2003-01-16 | 2000-02-09 | 8846874 | Good | France Telecom SA | Orange SA |
| US20050177518A1 | 0.781 | Electronic funds transfer and electronic bill receipt and payment system | APPLICATION | 2005-08-11 | 2004-02-10 | 34827302 | Good | ||
| US20040030659A1 | 0.780 | Transaction system and method | APPLICATION | 2004-02-12 | 2000-05-25 | 25646337 | Good | ||
| US8165635B2 | 0.780 | 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 | Good | Vivotech Inc | Mastercard International Inc |
| US6996542B1 | 0.780 | 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 |
| EP1447962A1 | 0.779 | 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 |
| US7729283B2 | 0.779 | 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 |
| US20060195395A1 | 0.779 | 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 |
| US5774533A | 0.778 | Method and system for providing a billing directed communication service | GRANT | 1998-06-30 | 1996-08-14 | 24821014 | Good | BellSouth LLC | AT&T Delaware Intellectual Property Inc |
| US20080110973A1 | 0.778 | 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 |
| US8538878B2 | 0.778 | Methods and systems for automated generation of bills | GRANT | 2013-09-17 | 2002-08-30 | 46261538 | Good | SAP SE | SAP SE |
| US8290835B2 | 0.778 | Systems methods and apparatus for establishing payees based on cleared items posted to a financial account | GRANT | 2012-10-16 | 2009-05-28 | 43221322 | Good | Fiserv Inc | Fiserv Inc |
| US20070179885A1 | 0.778 | 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 |
| US20060195397A1 | 0.777 | Centralized electronic bill presentment | APPLICATION | 2006-08-31 | 2005-02-28 | 36932973 | Good | Fiserv Inc | Fiserv Inc |
| US20090292603A1 | 0.776 | Method and System for Transferring Funds | APPLICATION | 2009-11-26 | 2008-05-20 | 41340470 | Good | Regions Asset Co | Regions Bank |
| US7748614B2 | 0.775 | Transaction system and method | GRANT | 2010-07-06 | 2000-06-27 | 34988596 | Good | ||
| US20130013509A1 | 0.775 | METHOD AND SYSTEM FOR PROCESSING MICROPAYMENT TRANSACTIONS | APPLICATION | 2013-01-10 | 2006-10-11 | 39283630 | Good | Visa International Service Association | Visa International Service Association |
| US20090006254A1 | 0.775 | 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 |
| US7752095B1 | 0.775 | Electronic bill presentment and payment | GRANT | 2010-07-06 | 1999-06-24 | 27385564 | Good | Siebel Systems Inc | Oracle America Inc |
| US8150754B2 | 0.775 | 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 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US7849170B1 | 0.774 | 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 |
| US7904354B2 | 0.774 | Web based auto bill analysis method | GRANT | 2011-03-08 | 2007-05-04 | 39940253 | Good | Validas LLC | Validas LLC |
| US5923756A | 0.773 | 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 |
| US7769651B2 | 0.773 | Method and system of processing billing data | GRANT | 2010-08-03 | 2003-03-31 | 32990095 | Good | AT&T Intellectual Property I LP | Uber Technologies Inc |
| US20090260064A1 | 0.773 | 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 |
| US20090098854A1 | 0.773 | 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 |
| US20040044601A1 | 0.772 | Batch type billing method and system by using dispersed processing | APPLICATION | 2004-03-04 | 2002-08-01 | 32685705 | Good | KTFreetel Co Ltd | KT Corp |
| US6993658B1 | 0.771 | Use of personal communication devices for user authentication | GRANT | 2006-01-31 | 2000-03-06 | 24069961 | Good | April System Design AB | DYNAPASS Inc |
| US7909246B2 | 0.770 | 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 |
| US20080120698A1 | 0.770 | Systems and methods for authenticating a device | APPLICATION | 2008-05-22 | 2006-11-22 | 39418416 | Good | INNOFONECOM Inc | INNOFONECOM Inc |
| US5815665A | 0.770 | System and method for providing trusted brokering services over a distributed network | GRANT | 1998-09-29 | 1996-04-03 | 24510468 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7437331B1 | 0.770 | Short message service (SMS) e-commerce | GRANT | 2008-10-14 | 1999-08-12 | 7918153 | Good | Vodafone Holding GmbH | Vodafone Holding GmbH |
| EP1591931A1 | 0.770 | Selective noticing of availability of an electronic bill based on service provider data | GRANT | 2005-11-02 | 2004-04-27 | 34924753 | Good | Fiserv Inc | Fiserv Inc |
| US20020046185A1 | 0.769 | System and method conducting POS transactions | APPLICATION | 2002-04-18 | 2000-08-30 | 26923145 | Good | Hewlett Packard Co | Hewlett Packard Development Co LP |
| US9010646B2 | 0.769 | Optical contact loaded magnetic card | GRANT | 2015-04-21 | 2010-04-01 | 45353417 | Good | COIN Inc | Fitbit Inc |
| US20090244600A1 | 0.768 | BILLING AND REMITTANCE PAYMENT SYSTEM | APPLICATION | 2009-10-01 | 2007-11-27 | 40679220 | Good | REGULUS GROUP LLC | REGULUS GROUP LLC |
| US6431439B1 | 0.768 | 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 |
| US20040127256A1 | 0.768 | Mobile device equipped with a contactless smart card reader/writer | APPLICATION | 2004-07-01 | 2002-07-30 | 31188608 | Good | Way Systems Inc | Verifone Inc |
| US6954630B2 | 0.768 | Method for location-based billing for mobile communication | GRANT | 2005-10-11 | 2001-12-13 | 8179534 | Good | Siemens AG | Nokia Solutions and Networks GmbH and Co KG |
| US7249092B2 | 0.768 | 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 |
| US20080109355A1 | 0.767 | METHOD AND APPARATUS FOR BILL PAYMENTS AT AN AUTOMATIC TELLER MACHINE | APPLICATION | 2008-05-08 | 2001-04-12 | 25264163 | Good | ||
| US20130124406A1 | 0.767 | 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 |
| US7917410B2 | 0.767 | Real-time accounting using wireless traffic control | GRANT | 2011-03-29 | 2001-05-15 | 23120566 | Good | Nihon Dot Com Co Ltd | ABC BULK CORP |
| US20060212407A1 | 0.767 | User authentication and secure transaction system | APPLICATION | 2006-09-21 | 2005-03-17 | 37011570 | Good | AUTHENTICOL SYSTEMS LLC | AUTHENTICOL SYSTEMS LLC |
| US20120310836A1 | 0.766 | LOCATION BASED AUTHENTICATION SYSTEM | APPLICATION | 2012-12-06 | 2005-07-05 | 36950500 | Good | mConfirm Ltd | mConfirm Ltd |
| US20010037295A1 | 0.766 | Push model internet bill presentment and payment system and method | APPLICATION | 2001-11-01 | 2000-01-31 | 25102522 | Good | BROKAT TECHNOLOGIES Inc | Metavante Corp |
| US7292996B2 | 0.765 | 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 |
| US8271362B2 | 0.765 | 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 |
| US8001045B1 | 0.764 | Account synchronization | GRANT | 2011-08-16 | 2008-07-10 | 44358636 | Good | Bank of America Corp | Bank of America Corp |
| US20010037297A1 | 0.764 | Bill paying with the aid of a scanner | APPLICATION | 2001-11-01 | 2000-03-09 | 26884276 | Good | ||
| US7827108B2 | 0.764 | 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 |
| US7263497B1 | 0.763 | Secure online music distribution system | GRANT | 2007-08-28 | 1998-02-06 | 38433215 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6021943A | 0.763 | Process for executing payment transactions | GRANT | 2000-02-08 | 1996-10-09 | 26703165 | Good | Hanger Solutions LLC | Mineral Lassen LLC |
| US7519557B1 | 0.762 | 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 |
| US20030195859A1 | 0.762 | System and methods for authenticating and monitoring transactions | APPLICATION | 2003-10-16 | 2002-04-16 | 28790861 | Good | ||
| US7072856B1 | 0.762 | Communication enhancement means | GRANT | 2006-07-04 | 2000-01-18 | 36613864 | Good | ||
| US6314425B1 | 0.761 | 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 |
| US8346615B2 | 0.760 | Financial gadgets | GRANT | 2013-01-01 | 2008-11-25 | 42223679 | Good | Yodlee com Inc | Yodlee com Inc |
| EP1028401A2 | 0.760 | Method and system for performing a bankcard transaction | GRANT | 2000-08-16 | 1999-02-12 | 26817734 | Good | Citibank NA | Citibank NA |
| US8275710B1 | 0.759 | Systems and methods for automatic bill pay enrollment | GRANT | 2012-09-25 | 2008-09-30 | 46846399 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US8458740B2 | 0.759 | Enablement of premium content for internet video client | GRANT | 2013-06-04 | 2010-05-04 | 44902745 | Good | Sony Corp | Sony Corp |
| US8645971B2 | 0.759 | Real-time balance updates | GRANT | 2014-02-04 | 2006-12-26 | 39585952 | Good | Visa USA Inc | Visa USA Inc |
| US5809143A | 0.758 | Secure keyboard | GRANT | 1998-09-15 | 1995-12-12 | 24281992 | Good | STURIALE VICKI | STURIALE VICKI |
| US20110145899A1 | 0.758 | Single Action Authentication via Mobile Devices | APPLICATION | 2011-06-16 | 2009-12-10 | 44144433 | Good | Verisign Inc | NortonLifeLock Inc |
| US6327578B1 | 0.758 | 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 |
| US7349885B2 | 0.758 | Wallet consolidator and related methods of processing a transaction using a wallet consolidator | GRANT | 2008-03-25 | 1998-05-29 | 22203642 | Good | E Micro Corp | Stripe Inc |
| USRE42154E1 | 0.757 | Parallel data network billing and collection system | GRANT | 2011-02-15 | 1995-05-24 | 23783320 | Good | Hewlett Packard Development Co LP | Qualcomm Inc |
| US8352365B1 | 0.756 | 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 |
| US20090094156A1 | 0.756 | Automated Budget Management Multiple Payment and Payment Authority Management | APPLICATION | 2009-04-09 | 2006-04-21 | 38624462 | Good | Controlabill Pty Ltd | Controlabill Pty Ltd |
| US20100299260A1 | 0.755 | PAY YOURSELF FIRST WITH REVENUE GENERATION | APPLICATION | 2010-11-25 | 2000-11-06 | 46332439 | Good | CONSUMER AND MERCHANT AWARENESS FOUNDATION | Liberty Peak Ventures LLC |
| US20090204519A1 | 0.755 | Method and system for generating account reconciliation data | APPLICATION | 2009-08-13 | 2002-09-30 | 40939716 | Good | Canadian National Railway Co | Canadian National Railway Co |
| US20050085931A1 | 0.755 | Online ATM transaction with digital certificate | APPLICATION | 2005-04-21 | 2000-08-31 | 22861074 | Good | ATMDIRECT | Accullink Inc |
| US7610216B1 | 0.755 | Method and system for detecting fraud | GRANT | 2009-10-27 | 2000-07-13 | 24466227 | Good | eBay Inc | PayPal Inc |
| US20100268557A1 | 0.755 | ENROLLMENT SERVER | APPLICATION | 2010-10-21 | 2009-04-17 | 42981682 | Good | Visa International Service Association | Visa International Service Association |
| US7769697B2 | 0.755 | 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 |
| US20100114724A1 | 0.755 | BANK CARD AUTHORIZATION WITH BALANCE INDICATOR | APPLICATION | 2010-05-06 | 2008-10-30 | 42129276 | Good | Bank of America Corp | Bank of America Corp |
| US20090271265A1 | 0.753 | ELECTRONIC RECEIPT SYSTEM AND METHOD | APPLICATION | 2009-10-29 | 2008-04-28 | 41215930 | Good | Cyndigo Corp | Cyndigo Corp |
| US8989705B1 | 0.752 | 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 |
| US20050187882A1 | 0.751 | 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 |
| US9098958B2 | 0.750 | 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 |
| US7813943B1 | 0.750 | 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 |
| US8205081B2 | 0.749 | Systems and methods for verifying the authenticity of a remote device | GRANT | 2012-06-19 | 2007-06-09 | 40363916 | Good | Apple Inc | Apple Inc |
| US8417644B2 | 0.749 | Method and system for network transaction management | GRANT | 2013-04-09 | 1999-06-01 | 46303608 | Good | Yodlee com Inc | Yodlee com Inc |
| US5708422A | 0.749 | Transaction authorization and alert system | GRANT | 1998-01-13 | 1995-05-31 | 23810820 | Good | AT&T Corp | AT&T Corp |
| US8706630B2 | 0.748 | 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 |
| US5649115A | 0.748 | Tracking method and apparatus | GRANT | 1997-07-15 | 1994-06-02 | 22957011 | Good | Intuit Inc | Intuit Inc |
| US6487540B1 | 0.747 | Methods and systems for electronic receipt transmission and management | GRANT | 2002-11-26 | 2000-07-25 | 24504761 | Good | In2M Corp | Finicity Corp |
| US7587368B2 | 0.746 | Information record infrastructure system and method | GRANT | 2009-09-08 | 2000-07-06 | 26910771 | Good | RPX Corp | RPX Corp |
| US8385521B2 | 0.745 | Billing for call complete calls | GRANT | 2013-02-26 | 2010-06-21 | 45328680 | Good | Kirusa Inc | Aawaaz Inc |
| US5500513A | 0.745 | Automated purchasing control system | GRANT | 1996-03-19 | 1994-05-11 | 22909270 | Good | Visa International Service Association | Visa International Service Association |
| US20040122685A1 | 0.745 | 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 |
| US20100036769A1 | 0.744 | ACCOUNT HOLDER DEMAND ACCOUNT UPDATE | APPLICATION | 2010-02-11 | 2008-08-05 | 41653809 | Good | Visa USA Inc | Visa USA Inc |
| US6154879A | 0.744 | 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 |
| US20080275812A1 | 0.744 | CREDIT UNDERWRITING FOR MULTIPLE FINANCIAL TRANSACTIONS | APPLICATION | 2008-11-06 | 2005-06-09 | 37525231 | Good | ||
| US20100082445A1 | 0.743 | Smart menu options | APPLICATION | 2010-04-01 | 2008-09-30 | 41449897 | Good | Apple Inc | Apple Inc |
| US8002175B2 | 0.743 | 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 |
| US20020186845A1 | 0.743 | 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 |
| US8108272B2 | 0.743 | 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 |
| US8348155B2 | 0.742 | All in one card | GRANT | 2013-01-08 | 2007-09-21 | 40468141 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| EP0869652A2 | 0.742 | Document delivery system | GRANT | 1998-10-07 | 1997-04-01 | 27125312 | Good | Tumbleweed Software Corp | Tumbleweed Software Corp |
| US20050065893A1 | 0.742 | 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 |
| US8229850B2 | 0.742 | Method and apparatus for managing transactions | GRANT | 2012-07-24 | 2000-09-20 | 24672096 | Good | Cashedge Inc | Cashedge Inc |
| US7155203B2 | 0.741 | Method and apparatus for billing for usage-based group communication between wireless devices | GRANT | 2006-12-26 | 2004-06-25 | 34981911 | Good | Qualcomm Inc | Qualcomm Inc |
| US7386597B2 | 0.740 | Contents distributing method and distributing system | GRANT | 2008-06-10 | 2002-03-20 | 29228048 | Good | Hitachi Ltd | Hitachi Ltd |
| US7543739B2 | 0.740 | Automated payment card fraud detection and location | GRANT | 2009-06-09 | 2003-12-17 | 46324284 | Good | Qsecure Inc | Fitbit Inc |
| US7848500B2 | 0.739 | 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 |
| US7395243B1 | 0.739 | Technique for presenting matched billers to a consumer | GRANT | 2008-07-01 | 2002-11-01 | 39561201 | Good | Fiserv Inc | Fiserv Inc |
| US8359266B2 | 0.738 | 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 |
| US20040225609A1 | 0.738 | Electronic bill presentation and payment system | APPLICATION | 2004-11-11 | 2003-03-13 | 33029899 | Good | PI-COM LLC | PI-COM LLC |
| US20080162350A1 | 0.738 | 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 |
| US8374578B2 | 0.737 | Methods and apparatus for charging a subscriber roaming in a mobile communication network | GRANT | 2013-02-12 | 2005-06-30 | 34778406 | Good | Nokia Oyj | Nokia Technologies Oy |
| US20100161466A1 | 0.737 | ELECTRONIC LOCKBOX USING DIGITALLY ORIGINATED CHECKS | APPLICATION | 2010-06-24 | 2006-10-10 | 44563836 | Good | ||
| US20100229245A1 | 0.737 | 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 | ||
| US20080208739A1 | 0.737 | TRANSACTIONAL SERVICES ASSOCIATED WITH MOBILE DEVICES | APPLICATION | 2008-08-28 | 2007-02-27 | 39717016 | Good | HUNTS POINT VENTURES Inc | HUNTS POINT VENTURES Inc |
| US8332958B2 | 0.737 | Image forming system | GRANT | 2012-12-11 | 2009-01-20 | 42337887 | Good | Kyocera Document Solutions Inc | Kyocera Document Solutions Inc |
| US20060165060A1 | 0.736 | 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 |
| US8117648B2 | 0.736 | Secure information storage and delivery system and method | GRANT | 2012-02-14 | 2008-02-08 | 40940038 | Good | Intersections Inc | Intersections Inc |
| US9883381B1 | 0.736 | Providing secure access to smart card applications | GRANT | 2018-01-30 | 2007-10-02 | 61005585 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US20090157792A1 | 0.735 | 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 |
| US20110112919A1 | 0.734 | GIFT-CARD AND ONLINE PAYMENT SYSTEM | APPLICATION | 2011-05-12 | 2009-10-14 | 43974882 | Good | Retail Royalty Co | Retail Royalty Co |
| US6804720B1 | 0.734 | Mobile internet access | GRANT | 2004-10-12 | 2000-06-07 | 33098389 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US20110246361A1 | 0.731 | METHOD AND APPARATUS FOR FACILITATING PURCHASE TRANSACTIONS ACROSS A NETWORK | APPLICATION | 2011-10-06 | 2000-04-27 | 40973476 | Good | ||
| US20070038563A1 | 0.730 | Systems and methods for managing buildings and finances | APPLICATION | 2007-02-15 | 2005-08-15 | 37743720 | Good | ||
| EP1320214A1 | 0.730 | Unified account management for data network access | GRANT | 2003-06-18 | 2001-12-12 | 8183619 | Good | Markport Ltd | Markport Ltd |
| US7630926B2 | 0.729 | 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 |
| US20030204752A1 | 0.729 | 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 |
| US7552467B2 | 0.728 | Security systems for protecting an asset | GRANT | 2009-06-23 | 2006-04-24 | 38620975 | Good | ||
| US7526448B2 | 0.728 | Matching consumers with billers having bills available for electronic presentment | GRANT | 2009-04-28 | 2002-11-01 | 32175229 | Good | Fiserv Inc | CheckFree Services Corp |
| US20020059139A1 | 0.728 | SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION | APPLICATION | 2002-05-16 | 1999-03-12 | 23020348 | Good | ||
| US20030229590A1 | 0.727 | Global integrated payment system | APPLICATION | 2003-12-11 | 2001-12-12 | 23328389 | Good | Paradata Systems Inc | Payment Processing Inc |
| US20040019539A1 | 0.727 | Prepaid billing system for wireless data networks | APPLICATION | 2004-01-29 | 2002-07-25 | 30773659 | Good | 3Com Corp | UTStarcom Inc |
| US7620602B2 | 0.727 | 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 |
| US10083482B2 | 0.727 | Augmented reality money transfer | GRANT | 2018-09-25 | 2010-06-29 | 45353405 | Good | Western Union Co | Western Union Co |
| US5864620A | 0.727 | 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 |
| US20080052208A1 | 0.727 | SYSTEM METHOD AND COMPUTER PROGRAM PRODUCT FOR PROCESSING PAYMENTS | APPLICATION | 2008-02-28 | 2006-08-28 | 39197846 | Good | ||
| US8533118B2 | 0.726 | Online challenge-response | GRANT | 2013-09-10 | 2008-11-06 | 42132643 | Good | Visa International Service Association | Visa International Service Association |
| US10152716B2 | 0.726 | Secure electronic commerce | GRANT | 2018-12-11 | 2001-02-23 | 23032039 | Good | RIAVERA CORP | RIAVERA CORP |
| US20110191209A1 | 0.725 | 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 |
| US5684965A | 0.725 | 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 |
| US20070282743A1 | 0.724 | Electronic Transaction Apparatus and Method | APPLICATION | 2007-12-06 | 2006-05-23 | 38724103 | Good | Mastercard International Inc | Mastercard International Inc |
| US7274928B2 | 0.724 | Portable cellular phone system having automatic initialization | GRANT | 2007-09-25 | 1998-10-02 | 39152347 | Good | Telespree Communications | EVOLVING SYSTEMS LABS Inc |
| US20070094150A1 | 0.724 | Transaction authorization service | APPLICATION | 2007-04-26 | 2005-10-11 | 37986448 | Good | Amazon Technologies Inc | Amazon Technologies Inc |
| US9697520B2 | 0.723 | Merchant configured advertised incentives funded through statement credits | GRANT | 2017-07-04 | 2010-03-22 | 44647946 | Good | Visa USA Inc | Visa International Service Association |
| EP1261192A1 | 0.723 | 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 |
| US20100223184A1 | 0.722 | Sponsored Accounts For Computer-Implemented Payment System | APPLICATION | 2010-09-02 | 2006-10-11 | 43922547 | Good | Visa International Service Association | Visa International Service Association |
| US20110218863A1 | 0.722 | METHOD AND SYSTEM FOR AUTOMATICALLY CHARGING ADVERTISEMENT FEES | APPLICATION | 2011-09-08 | 2008-08-28 | 41722144 | Good | NHN Business Platform Corp | Naver Corp |
| US8244612B2 | 0.722 | 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 |
| US20100049642A1 | 0.722 | ONLINE BILLPAY ATTACHMENTS | APPLICATION | 2010-02-25 | 2008-08-19 | 41697245 | Good | Bank of America Corp | Bank of America Corp |
| US7996310B1 | 0.722 | Electronic financial management and analysis system and related methods | GRANT | 2011-08-09 | 2000-07-19 | 42536639 | Good | Globys Inc | Globys Inc |
| US8374962B2 | 0.722 | Stored value payouts | GRANT | 2013-02-12 | 2001-10-26 | 21944647 | Good | First Data Corp, Western Union Co | First Data Corp, Western Union Co |
| US6434379B1 | 0.721 | Method for dynamic management of a prepaid terminal subscription | GRANT | 2002-08-13 | 1997-06-10 | 9507803 | Good | France Telecom SA | Orange SA |
| US20020062249A1 | 0.721 | 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 | ||
| US8498613B2 | 0.721 | Method and system for location-dependent billing for services | GRANT | 2013-07-30 | 2006-02-06 | 36604218 | Good | Swisscom AG | Swisscom AG |
| US20090247122A1 | 0.720 | 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 |
| US9324088B2 | 0.720 | 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 |
| US8430300B2 | 0.720 | 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 |
| US7020645B2 | 0.720 | Systems and methods for state-less authentication | GRANT | 2006-03-28 | 2001-04-19 | 25280036 | Good | eOriginal Inc | Callahan Cellular LLC |
| US20070174186A1 | 0.720 | AUTHENTICATED AND DISTRIBUTED TRANSACTION PROCESSING | APPLICATION | 2007-07-26 | 2004-03-18 | 34993891 | Good | ||
| US7920851B2 | 0.719 | Secure mobile information management system and method | GRANT | 2011-04-05 | 2006-05-25 | 38779231 | Good | Celltrust Corp | Celltrust Corp |
| US8458741B2 | 0.719 | 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 |
| US20020046055A1 | 0.719 | Biometric verification system and method for internet services | APPLICATION | 2002-04-18 | 2000-09-05 | 22864270 | Good | Mediacom net LLC | Mediacom net LLC |
| US20090156170A1 | 0.719 | 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 |
| US20050036611A1 | 0.719 | Method and system for secure authentication | APPLICATION | 2005-02-17 | 2003-03-31 | 33159662 | Good | Visa USA Inc | Visa USA Inc |
| US5719941A | 0.718 | Method for changing passwords on a remote computer | GRANT | 1998-02-17 | 1996-01-12 | 24351586 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20070239493A1 | 0.718 | Benefit plan intermediary | APPLICATION | 2007-10-11 | 2006-04-10 | 38576572 | Good | Accenture Global Services GmbH | Accenture Global Services Ltd |
| US20090288012A1 | 0.718 | Secured Electronic Transaction System | APPLICATION | 2009-11-19 | 2008-05-18 | 40848593 | Good | Zetawire Inc | Google LLC |
| US7529698B2 | 0.718 | 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 |
| US20100131396A1 | 0.717 | Bill Payment Methods | APPLICATION | 2010-05-27 | 2006-10-17 | 42197210 | Good | ||
| US7983979B2 | 0.716 | Method and system for managing account information | GRANT | 2011-07-19 | 2005-03-10 | 36992244 | Good | Debix One Inc | Debix One Inc |
| US7627527B1 | 0.716 | System and method to provide a payment | GRANT | 2009-12-01 | 2007-10-29 | 41350959 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US9972021B2 | 0.715 | 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 |
| US20060122932A1 | 0.715 | 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 |
| EP1301887A1 | 0.715 | 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 |
| US20060059110A1 | 0.715 | System and method for detecting card fraud | APPLICATION | 2006-03-16 | 2002-04-03 | 28460469 | Good | ||
| US8195566B2 | 0.714 | 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 |
| US20070198432A1 | 0.714 | TRANSACTIONAL SERVICES | APPLICATION | 2007-08-23 | 2001-01-19 | 37943389 | Good | Mastercard Mobile Transaction Solutions Inc | Mastercard Mobile Transaction Solutions Inc |
| US8015085B2 | 0.714 | 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 |
| US20070100749A1 | 0.712 | Online bill payment management and projected account balances | APPLICATION | 2007-05-03 | 2005-10-28 | 37997729 | Good | Intuit Inc | Intuit Inc |
| US20050091159A1 | 0.712 | Bill handling apparatus | APPLICATION | 2005-04-28 | 2003-10-28 | 34510284 | Good | Hitachi Omron Terminal Solutions Corp | Hitachi Omron Terminal Solutions Corp |
| US7653600B2 | 0.711 | 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 |
| US4734858A | 0.710 | Data terminal and system for placing orders | GRANT | 1988-03-29 | 1983-12-05 | 24229021 | Good | PORTEL SERVICES NETWORK Inc | CREST MANAGEMENT Inc |
| US20080184351A1 | 0.710 | 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 |
| US20040187018A1 | 0.709 | Multi-factor authentication system | APPLICATION | 2004-09-23 | 2001-10-09 | 23280447 | Good | Wireless Key Identification Systems Inc | KARETEK HOLDINGS LLC |
| US20040133509A1 | 0.709 | Technique for making payments for a non-subscriber payor | APPLICATION | 2004-07-08 | 2002-11-01 | 32680652 | Good | Fiserv Inc | Fiserv Inc |
| US7866548B2 | 0.708 | 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 |
| US7899750B1 | 0.708 | Goal orientated computing system implemented financial management using projected balances | GRANT | 2011-03-01 | 2006-10-31 | 43617381 | Good | Intuit Inc | Intuit Inc |
| US8560410B2 | 0.707 | Mapping a mobile device location to billing regions in internet protocol multimedia subsystems | GRANT | 2013-10-15 | 2010-08-13 | 45565495 | Good | T Mobile USA Inc | T Mobile USA Inc |
| US7933834B2 | 0.707 | Interactive bill payment center | GRANT | 2011-04-26 | 1998-12-08 | 25137062 | Good | Yodlee com Inc | Yodlee com Inc |
| US8261970B2 | 0.707 | Wireless payment system having long range crediting and short range payment approval | GRANT | 2012-09-11 | 2007-04-11 | 39875176 | Good | ||
| US8145189B2 | 0.706 | Technique for securely communicating information | GRANT | 2012-03-27 | 2007-06-27 | 40161765 | Good | Intuit Inc | Intuit Inc |
| US20100275010A1 | 0.706 | Method of Authentication of Users in Data Processing Systems | APPLICATION | 2010-10-28 | 2007-10-30 | 39721916 | Good | Telecom Italia SpA | Telecom Italia SpA |
| US20100049643A1 | 0.705 | ONLINE BILLPAY MEMO DATA | APPLICATION | 2010-02-25 | 2008-08-19 | 41697246 | Good | Bank of America Corp | Bank of America Corp |
| US20110166889A1 | 0.705 | 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 |
| US7430537B2 | 0.703 | System and method for verifying a financial instrument | GRANT | 2008-09-30 | 2000-07-10 | 26911712 | Good | PayPal Inc | PayPal Inc |
| US8127982B1 | 0.703 | Parental controls | GRANT | 2012-03-06 | 2009-01-09 | 45757854 | Good | Apple Inc | Apple Inc |
| US6343279B1 | 0.703 | 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 |
| US20050055296A1 | 0.703 | Method and system for underwriting and servicing financial accounts | APPLICATION | 2005-03-10 | 2003-09-08 | 34226554 | Good | ||
| US5978780A | 0.702 | Integrated bill consolidation payment aggregation and settlement system | GRANT | 1999-11-02 | 1997-11-21 | 25523862 | Good | PayPal Inc | PayPal Inc |
| US20090216640A1 | 0.701 | NON-CASH TRANSACTION INCENTIVE AND COMMISSION DISTRIBUTION SYSTEM | APPLICATION | 2009-08-27 | 1997-08-15 | 40999234 | Good | ||
| US20020065772A1 | 0.701 | 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 |
| US20140012737A1 | 0.701 | 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 |
| US20110270754A1 | 0.701 | 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 |
| US8594626B1 | 0.700 | Post-paid wireless service balance management | GRANT | 2013-11-26 | 2008-04-02 | 49596713 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US20020143674A1 | 0.700 | Invoice distribution method and apparatus | APPLICATION | 2002-10-03 | 2001-03-29 | 25233158 | Good | Hewlett Packard Co | Hewlett Packard Development Co LP |
| US7184530B2 | 0.699 | Prepaid billing support for simultaneous communication sessions in data networks | GRANT | 2007-02-27 | 2002-07-25 | 30773660 | Good | UTStarcom Inc | UTStarcom Inc |
| WO2003017636A1 | 0.698 | 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 | ||
| US20060258331A1 | 0.698 | Network billing | APPLICATION | 2006-11-16 | 2005-05-03 | 34942593 | Good | Hewlett Packard Development Co LP | Hewlett Packard Enterprise Development LP |
| US20040044739A1 | 0.698 | System and methods for processing PIN-authenticated transactions | APPLICATION | 2004-03-04 | 2002-09-04 | 33510281 | Good | ATMDIRECT, Accullink Inc, ATMDIRECT | ATM ONLINE Inc |
| US6788772B2 | 0.697 | System and method for controlling outgoing telephone calls | GRANT | 2004-09-07 | 2001-03-07 | 26956265 | Good | OL Security LLC | OL Security LLC |
| US8306861B2 | 0.696 | 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 |
| US20100223160A1 | 0.696 | Money Management Network | APPLICATION | 2010-09-02 | 2001-10-16 | 42667646 | Good | ||
| US7509117B2 | 0.695 | 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 |
| US20060169766A1 | 0.694 | 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 |
| US7885637B2 | 0.693 | 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 |
| US20040267646A1 | 0.693 | Billing system with authenticated wireless device transaction event data | APPLICATION | 2004-12-30 | 2003-06-30 | 33541147 | Good | Qualcomm Inc | Qualcomm Inc |
| US20070100770A1 | 0.692 | System and method for facilitating on-line payment | APPLICATION | 2007-05-03 | 2003-06-25 | 31954266 | Good | EWISE SYSTEMS Pty Ltd | PayWithMyBank Inc |
| US20110078762A1 | 0.692 | MOBILE OR USER DEVICE AUTHENTICATION AND TRACKING | APPLICATION | 2011-03-31 | 2009-09-29 | 43781809 | Good | eBay Inc | PayPal Inc |
| US6543686B1 | 0.692 | Identification card and billing process with an identification card | GRANT | 2003-04-08 | 1998-02-16 | 4185417 | Good | Swisscom AG | Swisscom AG |
| US20050171900A1 | 0.691 | Automated bill presentment and payment | APPLICATION | 2005-08-04 | 2004-02-02 | 34808190 | Good | ||
| US8364711B2 | 0.691 | Contact management system and method | GRANT | 2013-01-29 | 2006-05-09 | 39715939 | Good | SyncUp Corp | SyncUp Corp |
| US20040117262A1 | 0.691 | System and method for conducting a monetary transaction | APPLICATION | 2004-06-17 | 2002-12-17 | 32507152 | Good | Motorola Solutions Inc | Motorola Solutions Inc |
| US9189777B1 | 0.690 | Electronic commerce with cryptographic authentication | GRANT | 2015-11-17 | 1999-09-20 | 26851727 | Good | Security First Corp | Security First Corp |
| US20080270304A1 | 0.690 | FUNDS TRANSFER SYSTEM AND METHOD | APPLICATION | 2008-10-30 | 2000-06-27 | 46206185 | Good | ||
| US20120036065A1 | 0.690 | 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 |
| US8423452B1 | 0.690 | 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 | 0.689 | 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 |
| US8073773B2 | 0.689 | Technique for identifying probable billers of a consumer | GRANT | 2011-12-06 | 2002-11-01 | 33298250 | Good | Fiserv Inc | CheckFree Services Corp |
| US7890371B2 | 0.689 | 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 |
| US6684197B1 | 0.689 | 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 |
| US6421768B1 | 0.689 | 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 |
| US7363257B2 | 0.689 | Method and system for in-line secondary transactions | GRANT | 2008-04-22 | 2005-03-31 | 36272486 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| EP0542298A2 | 0.688 | Electronic monetary system | GRANT | 1993-05-19 | 1991-11-15 | 25161747 | Good | Citibank NA | Citibank NA |
| US8572391B2 | 0.688 | System and method for risk based authentication | GRANT | 2013-10-29 | 2003-09-12 | 34312372 | Good | EMC Corp | EMC Corp, Cyota Inc |
| US20090240610A1 | 0.687 | Integrated e-Commerce Sales & Use Tax Exchange System and Method | APPLICATION | 2009-09-24 | 2002-12-30 | 41089836 | Good | Intuit Inc | Intuit Inc |
| US6882986B1 | 0.687 | Method for automatic processing of invoices | GRANT | 2005-04-19 | 2000-08-07 | 34435281 | Good | Tymetrix | Tymetrix |
| US20110004921A1 | 0.686 | PERSONALIZED SECURITY MANAGEMENT | APPLICATION | 2011-01-06 | 2009-07-01 | 43413326 | Good | Fiserv Inc | Fiserv Inc |
| US8195567B2 | 0.685 | 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) |
| US20040128257A1 | 0.685 | 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 |
| US7337468B2 | 0.684 | 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 |
| US20090248583A1 | 0.684 | DEVICE SYSTEM AND METHOD FOR SECURE ONLINE TRANSACTIONS | APPLICATION | 2009-10-01 | 2008-03-31 | 41118593 | Good | Intel Corp | Intel Corp |
| US20110295662A1 | 0.684 | Local Payment Collection and Information Management Apparatus and Method | APPLICATION | 2011-12-01 | 2010-05-28 | 45022842 | Good | ||
| US20090076950A1 | 0.683 | Universal Network-Based Deposit Management Service | APPLICATION | 2009-03-19 | 2007-09-18 | 40455597 | Good | Yodlee com Inc | Yodlee com Inc |
| US8165940B2 | 0.683 | Non-credit account credit rating | GRANT | 2012-04-24 | 2008-01-31 | 40932602 | Good | Visa USA Inc | Visa USA Inc |
| US8998096B2 | 0.683 | Magnetic emissive use of preloaded payment card account numbers | GRANT | 2015-04-07 | 2010-04-01 | 44708473 | Good | COIN Inc | Fitbit Inc |
| US8086219B2 | 0.683 | 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 |
| US6832212B1 | 0.683 | 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 |
| US6128602A | 0.682 | 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 |
| US20040230527A1 | 0.682 | Authentication for online money transfers | APPLICATION | 2004-11-18 | 2003-04-29 | 33423627 | Good | First Data Corp | Western Union Co |
| US20040172360A1 | 0.682 | Methods and systems for managing accounts payable | APPLICATION | 2004-09-02 | 2003-02-28 | 32907982 | Good | General Electric Co | General Electric Co |
| US7725385B2 | 0.682 | 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 |
| US7389913B2 | 0.681 | Method and apparatus for online check processing | GRANT | 2008-06-24 | 2006-04-28 | 38823067 | Good | ||
| US20070250441A1 | 0.681 | 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 |
| US20100030687A1 | 0.680 | 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 |
| US4774664A | 0.679 | 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 |
| US7203315B1 | 0.679 | 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 |
| US9443253B2 | 0.679 | 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 |
| WO2000051052A1 | 0.679 | STORED VALUE ELECTRONIC CERTIFICATE PROCESSING | APPLICATION | 2000-08-31 | 1999-02-25 | 22399738 | Good | ||
| US20040122754A1 | 0.679 | 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 |
| US20020120861A1 | 0.679 | 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 |
| US7236950B2 | 0.679 | 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 |
| US20040024709A1 | 0.678 | 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 |
| US6956833B1 | 0.678 | 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 |
| US8152061B2 | 0.678 | 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 |
| US20010037264A1 | 0.678 | 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 |
| US6532450B1 | 0.677 | 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 |
| US7761353B1 | 0.676 | Validating financial accounts | GRANT | 2010-07-20 | 2005-12-07 | 42332705 | Good | Amazon Technologies Inc | Amazon Technologies Inc |
| US20020128917A1 | 0.676 | Method and apparatus for processing financial transactions | APPLICATION | 2002-09-12 | 2001-03-06 | 25178644 | Good | Electronic Data Systems LLC | HP Enterprise Services LLC |
| US20050033651A1 | 0.675 | Method and apparatus for on-line payment of a transaction in cash | APPLICATION | 2005-02-10 | 2003-08-06 | 34116174 | Good | ||
| US8321339B2 | 0.675 | 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 |
| US6725381B1 | 0.674 | Solicited authentication of a specific user | GRANT | 2004-04-20 | 1999-08-31 | 23529894 | Good | Tumbleweed Communications Corp | AXWAY Inc |
| US6070141A | 0.674 | 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 |
| US20040143546A1 | 0.674 | Easy user activation of electronic commerce services | APPLICATION | 2004-07-22 | 2002-11-01 | 32710703 | Good | Fiserv Inc | Fiserv Inc |
| US4891503A | 0.673 | 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 |
| US5561706A | 0.673 | 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 |
| US20050080716A1 | 0.672 | 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 |
| US20070219905A1 | 0.672 | 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 |
| US8140649B2 | 0.672 | 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 |
| US20160217446A1 | 0.672 | 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 |
| US20030115142A1 | 0.672 | Identity authentication portfolio system | APPLICATION | 2003-06-19 | 2001-12-12 | 21784794 | Good | Intel Corp | Intel Corp |
| US20030105710A1 | 0.671 | 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 |
| US7308254B1 | 0.671 | Wireless electronic couponing technique | GRANT | 2007-12-11 | 1999-12-15 | 23832229 | Good | Nokia Oyj | Nokia Oyj |
| US20060259438A1 | 0.671 | Secure multi function network for point of sale transactions | APPLICATION | 2006-11-16 | 2002-10-25 | 38123196 | Good | ||
| US20090228966A1 | 0.671 | Authentication Method for Wireless Transactions | APPLICATION | 2009-09-10 | 2006-05-18 | 38723533 | Good | Fronde Anywhere Ltd | Fronde Anywhere Ltd |
| US20020120537A1 | 0.670 | 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 |
| US5920848A | 0.670 | 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 |
| US8626137B1 | 0.670 | Providing caller identification to mobile devices | GRANT | 2014-01-07 | 2010-08-20 | 49840937 | Good | WhitePages Inc | Hiya Inc |
| US8391846B1 | 0.669 | 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 |
| US20070199053A1 | 0.669 | Flexible and adjustable authentication in cyberspace | APPLICATION | 2007-08-23 | 2006-02-13 | 38372090 | Good | Tricipher Inc | VMware Inc |
| US8078881B1 | 0.669 | Password resetting method | GRANT | 2011-12-13 | 2004-11-12 | 45092808 | Good | ||
| US6871063B1 | 0.669 | Method and apparatus for controlling access to a computer system | GRANT | 2005-03-22 | 2000-06-30 | 34273197 | Good | Intel Corp | Intel Corp |
| US20120317005A1 | 0.668 | System and Method for Prepay Account Management System | APPLICATION | 2012-12-13 | 2006-03-23 | 38581727 | Good | Exceleron Software Inc | EXCELERON SOFTWARE LLC |
| US7780075B2 | 0.668 | Methods and systems for transferring funds | GRANT | 2010-08-24 | 2001-06-08 | 37769505 | Good | Continental Exchange Solutions Inc | Continental Exchange Solutions Inc |
| US6263447B1 | 0.668 | System and method for authentication of network users | GRANT | 2001-07-17 | 1998-05-21 | 22197333 | Good | Equifax Inc | Equifax Inc |
| US7024689B2 | 0.668 | Granting access rights to unattended software | GRANT | 2006-04-04 | 2002-12-13 | 32506393 | Good | Intuit Inc | Intuit Inc |
| US6337901B1 | 0.668 | Customer billing relationships software | GRANT | 2002-01-08 | 1999-10-15 | 23659708 | Good | BellSouth Intellectual Property Corp | AT&T Delaware Intellectual Property Inc |
| US20090254476A1 | 0.667 | METHOD AND SYSTEM FOR MANAGING PERSONAL AND FINANCIAL INFORMATION | APPLICATION | 2009-10-08 | 2008-04-04 | 41134149 | Good | QUICKRECEIPT SOLUTIONS Inc | QUICKRECEIPT SOLUTIONS Inc |
| US7765153B2 | 0.666 | Method and apparatus for verifying financial account information | GRANT | 2010-07-27 | 2003-06-10 | 33299623 | Good | Kagi Inc | ISX IP Ltd |
| US20040133515A1 | 0.665 | 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 |
| US20080027859A1 | 0.664 | 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 |
| US20040062370A1 | 0.664 | Interactive billing control system | APPLICATION | 2004-04-01 | 1999-01-29 | 22908362 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20080114670A1 | 0.664 | SYSTEMS AND METHODS FOR A TRANSACTION VETTING SERVICE | APPLICATION | 2008-05-15 | 2006-11-14 | 39402454 | Good | SGL NETWORK Inc | SGL NETWORK Inc |
| US20090212104A1 | 0.664 | Automated banking machine that operates responsive to data bearing records | APPLICATION | 2009-08-27 | 2002-05-07 | 41581396 | Good | Diebold Inc | Diebold Nixdorf Inc |
| US7848972B1 | 0.664 | Electronic bill presentment and payment systems and processes | GRANT | 2010-12-07 | 2000-04-06 | 24170134 | Good | Metavante Corp | Metavante Corp |
| US5794221A | 0.663 | Internet billing method | GRANT | 1998-08-11 | 1995-07-07 | 23985643 | Good | AT&T Intellectual Property I LP | AT&T Intellectual Property I LP |
| US6934691B1 | 0.663 | System and method for managing mail/bills through a central location | GRANT | 2005-08-23 | 1999-02-09 | 22933710 | Good | Metavante Corp | Metavante Corp |
| US20080015982A1 | 0.663 | Funds transfer method and system including payment enabled invoices | APPLICATION | 2008-01-17 | 2000-09-20 | 38950407 | Good | Cashedge Inc | Cashedge Inc |
| US7437752B2 | 0.663 | Client architecture for portable device with security policies | GRANT | 2008-10-14 | 2002-09-23 | 37110108 | Good | Credant Technologies Inc | Dell Marketing LP |
| US20090106150A1 | 0.662 | UNIFIED IDENTITY VERIFICATION | APPLICATION | 2009-04-23 | 2007-10-19 | 40564444 | Good | eBay Inc | PayPal Inc |
| US7653187B2 | 0.662 | 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 |
| US7895445B1 | 0.661 | Token-based remote data access | GRANT | 2011-02-22 | 2001-04-26 | 43597205 | Good | Nokia Oyj | Nokia Technologies Oy |
| US20020111908A1 | 0.661 | Subscription-based payment | APPLICATION | 2002-08-15 | 2000-07-11 | 21803401 | Good | First Data Corp | First Data Corp, Western Union Co |
| US6636973B1 | 0.661 | 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 |
| US20040230524A1 | 0.660 | Charity bundling site | APPLICATION | 2004-11-18 | 2003-05-13 | 33417218 | Good | ||
| US20100179906A1 | 0.660 | Payment authorization method and apparatus | APPLICATION | 2010-07-15 | 2000-03-17 | 26073040 | Good | ||
| US5173935A | 0.660 | METHOD SYSTEM AND APPARATUS FOR TELEPRINTING | GRANT | 1992-12-22 | 1988-03-31 | 11163408 | Good | Industria Grafica Meschi SRL | Industria Grafica Meschi SRL |
| US20110184863A1 | 0.660 | SMART ON-LINE FILING SYSTEM | APPLICATION | 2011-07-28 | 2010-01-28 | 44309704 | Good | Brite Bill Ltd | Brite Bill Ltd |
| US20050091164A1 | 0.660 | Method and apparatus for the rental or sale and secure distribution of digital content | APPLICATION | 2005-04-28 | 2003-10-24 | 34526969 | Good | ||
| US7814005B2 | 0.660 | 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 |
| US20090300668A1 | 0.659 | 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 |
| US9841282B2 | 0.659 | Successive offer communications with an offer recipient | GRANT | 2017-12-12 | 2009-07-27 | 43498084 | Good | Visa USA Inc | Visa USA Inc |
| US7310611B2 | 0.659 | Order processing system and method | GRANT | 2007-12-18 | 2000-05-15 | 26591854 | Good | Nifty Corp | Nifty Corp |
| US20070133768A1 | 0.658 | Fraud detection for use in payment processing | APPLICATION | 2007-06-14 | 2005-12-12 | 38139374 | Good | Sapphire Mobile Systems Inc | Mpower Mobile Inc |
| US20070288377A1 | 0.658 | 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 |
| US20060286962A1 | 0.658 | 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 |
| US7743405B2 | 0.658 | Method of authentication via a secure wireless communication system | GRANT | 2010-06-22 | 2003-11-07 | 34575760 | Good | Siemens AG | Siemens AG |
| US8483473B2 | 0.658 | 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 |
| US20040133514A1 | 0.657 | 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 |
| US6321339B1 | 0.656 | 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 |
| US20090164380A1 | 0.656 | FINANCIAL TRANSACTION NETWORK | APPLICATION | 2009-06-25 | 2006-12-20 | 40821665 | Good | Fitbit Inc | Fitbit Inc |
| US7580884B2 | 0.656 | Collecting and aggregating creditworthiness data | GRANT | 2009-08-25 | 2001-06-25 | 25399588 | Good | Intuit Inc | Intuit Inc |
| US6957336B2 | 0.656 | Establishing initial PuK-linked account database | GRANT | 2005-10-18 | 2000-08-04 | 22834916 | Good | First Data Corp | First Data Corp |
| US20110047606A1 | 0.656 | Method And System For Storing And Using A Plurality Of Passwords | APPLICATION | 2011-02-24 | 2007-09-17 | 40468741 | Good | ||
| US6385595B1 | 0.656 | Electronic statement presentment system | GRANT | 2002-05-07 | 1996-10-09 | 21841555 | Good | Visa International Service Association | Visa International Service Association |
| US7848978B2 | 0.656 | 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 |
| US6516190B1 | 0.655 | 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 |
| US20080262964A1 | 0.655 | NETWORK BASED USER-TO-USER PAYMENT SERVICE | APPLICATION | 2008-10-23 | 2000-10-30 | 27399748 | Good | Amazon Technologies Inc | Amazon Technologies Inc |
| US20110270749A1 | 0.655 | ELECTRONIC INVOICE PRESENTATION AND PAYMENT SYSTEM | APPLICATION | 2011-11-03 | 2010-04-30 | 44859068 | Good | INVOICE CLOUD Inc | INVOICE CLOUD Inc |
| US6880751B2 | 0.654 | 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 |
| US20130191231A1 | 0.654 | PORTABLE COMPUTERIZED WIRELESS PAYMENT APPARATUS AND METHODS | APPLICATION | 2013-07-25 | 2003-12-17 | 39764123 | Good | West View Research LLC | West View Research LLC |
| US7089594B2 | 0.654 | Application rights management in a mobile environment | GRANT | 2006-08-08 | 2003-07-21 | 34079888 | Good | July Systems LLC | Cisco Technology Inc |
| US20100211445A1 | 0.653 | INCENTIVES ASSOCIATED WITH LINKED FINANCIAL ACCOUNTS | APPLICATION | 2010-08-19 | 2009-01-15 | 42340306 | Good | Visa USA Inc | Visa USA Inc |
| US6282658B2 | 0.652 | System and method for authentication of network users with preprocessing | GRANT | 2001-08-28 | 1998-05-21 | 22197328 | Good | Equifax Inc | Equifax Inc |
| US20040133513A1 | 0.652 | Identity protection technique in matching consumers with electronic billers | APPLICATION | 2004-07-08 | 2002-11-01 | 32680653 | Good | Fiserv Inc | Fiserv Inc |
| US8744956B1 | 0.652 | 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 |
| US7403602B2 | 0.651 | 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 |
| US20090192928A1 | 0.650 | 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 |
| US20060161435A1 | 0.650 | System and method for identity verification and management | APPLICATION | 2006-07-20 | 2004-12-07 | 36578498 | Good | ||
| US8073777B2 | 0.650 | 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 |
| US6748426B1 | 0.650 | 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 |
| US20060107067A1 | 0.649 | 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 |
| US20020026423A1 | 0.649 | 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 |
| US7966192B2 | 0.648 | Method and apparatus for processing electronic dispute data | GRANT | 2011-06-21 | 2002-01-30 | 27616355 | Good | First Data Corp | First Data Corp |
| WO2003093923A2 | 0.648 | SYSTEM AND APPARATUS FOR AUTHENTICATING TO A SYSTEM OR NETWORK | APPLICATION | 2003-11-13 | 2002-04-30 | 29406780 | Good | ||
| US7802104B2 | 0.648 | Context sensitive dynamic authentication in a cryptographic system | GRANT | 2010-09-21 | 1999-09-20 | 38374124 | Good | Security First Corp | Security First Corp |
| US20040088237A1 | 0.648 | Identifying candidate billers or payees of a payor | APPLICATION | 2004-05-06 | 2002-11-01 | 32175230 | Good | Fiserv Inc | Fiserv Inc |
| US20100049619A1 | 0.648 | TELEPHONE-BASED COMMERCE SYSTEM AND METHOD | APPLICATION | 2010-02-25 | 2006-06-28 | 38981953 | Good | Planet Payment Inc | Planet Payment Inc |
| US7870025B2 | 0.648 | Vendor comparison advertising and switching | GRANT | 2011-01-11 | 2001-09-20 | 25499900 | Good | Intuit Inc | Intuit Inc |
| US4900903A | 0.647 | 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 |
| US7581112B2 | 0.647 | Identifying fraudulent activities and the perpetrators thereof | GRANT | 2009-08-25 | 2004-12-30 | 36654876 | Good | eBay Inc | PayPal Inc |
| US20110119182A1 | 0.647 | Value Transfer System for Online Commerce Using Smart Card and Biometric Reader | APPLICATION | 2011-05-19 | 2009-08-31 | 44012041 | Good | ||
| US6871287B1 | 0.646 | System and method for verification of identity | GRANT | 2005-03-22 | 2000-01-21 | 23942445 | Good | EDENTIFY Inc | EDENTIFY Inc |
| US20100100945A1 | 0.646 | USER AUTHENTICATION MANAGEMENT | APPLICATION | 2010-04-22 | 2008-10-20 | 42109674 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7458507B2 | 0.645 | 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 |
| US8521657B2 | 0.645 | 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) |
| US20080175360A1 | 0.643 | Method and system to verify the identity of a user | APPLICATION | 2008-07-24 | 2007-01-18 | 39641205 | Good | PaymentOne Corp | PaymentOne Corp |
| US8078528B1 | 0.643 | System and method for providing borrowing schemes | GRANT | 2011-12-13 | 2008-02-21 | 45092770 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US10637724B2 | 0.643 | Managing network connected devices | GRANT | 2020-04-28 | 2006-09-25 | 59848032 | Good | Remot3it Inc | Remot3it Inc |
| US8140847B1 | 0.643 | Digital safe | GRANT | 2012-03-20 | 2007-09-18 | 45813450 | Good | ||
| US7769998B2 | 0.643 | 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 |
| US5914472A | 0.642 | Credit card spending authorization control system | GRANT | 1999-06-22 | 1997-09-23 | 25468042 | Good | AT&T Corp | Citicorp USA Inc |
| US20110302067A1 | 0.642 | Address billing computer database electronic commerce payment codes | APPLICATION | 2011-12-08 | 2010-06-08 | 45065233 | Good | ||
| US20110264581A1 | 0.641 | Systems and Methods to Provide Market Analyses and Alerts | APPLICATION | 2011-10-27 | 2010-04-23 | 44816625 | Good | Visa USA Inc | Visa USA Inc |
| US5845260A | 0.641 | System and method for parent-controlled charging for on-line services | GRANT | 1998-12-01 | 1995-02-06 | 11956168 | Good | Sony Corp | Sony Corp |
| US20040103057A1 | 0.641 | 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 |
| US7542468B1 | 0.640 | Dynamic host configuration protocol with security | GRANT | 2009-06-02 | 2005-10-18 | 40672467 | Good | Intuit Inc | Intuit Inc |
| US7028013B2 | 0.640 | Personal authentication system and personal authentication method and program used therefor | GRANT | 2006-04-11 | 2000-04-26 | 18635081 | Good | NEC Corp | NEC Corp |
| US20050165681A1 | 0.640 | Method for automatic processing of invoices | APPLICATION | 2005-07-28 | 2000-08-07 | 34794504 | Good | Tymetrix Inc | Tymetrix Inc |
| US20100250410A1 | 0.639 | CARDLESS FINANCIAL TRANSACTIONS SYSTEM | APPLICATION | 2010-09-30 | 2009-03-30 | 42785406 | Good | Ai Oasis Inc | Ai Oasis Inc |
| US20080052244A1 | 0.639 | ANONYMOUS TRANSACTION AUTHENTICATION | APPLICATION | 2008-02-28 | 1999-04-19 | 32111236 | Good | First Data Corp | First Data Corp |
| US8046581B2 | 0.639 | 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 |
| US20060235775A1 | 0.639 | System and method for making a payment from a financial account | APPLICATION | 2006-10-19 | 1992-10-15 | 37037379 | Good | ||
| US6438601B1 | 0.639 | 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 |
| US20070100748A1 | 0.639 | 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 |
| US7227935B2 | 0.639 | Bill payment configuration | GRANT | 2007-06-05 | 2004-08-12 | 35799969 | Good | International Business Machines Corp | International Business Machines Corp |
| US5420405A | 0.639 | 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) |
| US20070220275A1 | 0.638 | WEB AUTHORIZATION BY AUTOMATED INTERACTIVE PHONE OR VoIP SESSION | APPLICATION | 2007-09-20 | 2006-02-14 | 38519345 | Good | Snapvine Inc | WHITEPAGESCOM Inc |
| US20100250359A1 | 0.638 | 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 |
| US6307956B1 | 0.638 | Writing implement for identity verification system | GRANT | 2001-10-23 | 1998-04-07 | 27580927 | Good | Pen One Inc | United States Cp LLC |
| US8213585B2 | 0.638 | 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 |
| US8225383B1 | 0.637 | Method and system for user-initiated account activation | GRANT | 2012-07-17 | 2009-02-20 | 46465633 | Good | Intuit Inc | Intuit Inc |
| US20090210886A1 | 0.637 | Method and system for defining financial transaction notification preferences | APPLICATION | 2009-08-20 | 2008-02-19 | 40956367 | Good | ||
| US6807533B1 | 0.637 | 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 |
| US7463878B2 | 0.637 | Real-time interconnect billing system and method of use | GRANT | 2008-12-09 | 2003-12-31 | 34748859 | Good | Megasoft Consultants Inc | Megasoft Ltd |
| US8320539B2 | 0.637 | Advanced payment for telephone services | GRANT | 2012-11-27 | 2008-02-26 | 40998310 | Good | IDI Billing Solutions | INFO DIRECTIONS Inc, IDI Billing Solutions |
| US7069249B2 | 0.636 | 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 |
| US20050021353A1 | 0.636 | DONATION SYSTEM AND METHOD | APPLICATION | 2005-01-27 | 2003-07-25 | 34083640 | Good | American Express Travel Related Services Co Inc | Liberty Peak Ventures LLC |
| US8103501B2 | 0.636 | 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 |
| US20080021761A1 | 0.636 | TRANSACTION PROCESSING SYSTEMS AND METHODS | APPLICATION | 2008-01-24 | 2006-07-20 | 38972544 | Good | FactorTrust Inc | Gula Consulting LLC |
| US7110978B1 | 0.636 | Internet-based money order system | GRANT | 2006-09-19 | 1999-05-10 | 23189984 | Good | First Data Corp | BIDPAYCOM Inc |
| US7012503B2 | 0.636 | 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 |
| US5590038A | 0.636 | 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 |
| US20100138314A1 | 0.635 | METHOD FOR PROVIDING MICRO BILLING FOR GENERIC INTERNET SERVICE IN AN ACCESS NETWORK | APPLICATION | 2010-06-03 | 2007-06-28 | 40185918 | Good | ||
| US20110113084A1 | 0.635 | AUTOMATIC PROFILE UPDATE IN A MOBILE DEVICE | APPLICATION | 2011-05-12 | 2008-08-19 | 41550910 | Good | CIRCLEBACK Inc | CIRCLEBACK Inc |
| US20110112851A1 | 0.635 | SYSTEMATIC PAYMENT AUDITING | APPLICATION | 2011-05-12 | 2009-11-12 | 43974848 | Good | Nobelus Inc | LACLARO Inc |
| US6805287B2 | 0.635 | 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 |
| US7886155B2 | 0.635 | System for generating requests to a passcode protected entity | GRANT | 2011-02-08 | 2004-12-20 | 37084435 | Good | Biogy Inc | Biogy Inc |
| US8646051B2 | 0.635 | 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 |
| US7945252B2 | 0.635 | 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 |
| US7139734B2 | 0.634 | 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 |
| US7792743B2 | 0.634 | Flexible advertiser billing system with mixed postpayment and prepayment capabilities | GRANT | 2010-09-07 | 2007-05-02 | 39639440 | Good | Google LLC | Google LLC |
| US4755940A | 0.634 | Transaction security system | GRANT | 1988-07-05 | 1983-09-17 | 10548917 | Good | International Business Machines Corp | International Business Machines Corp |
| US20050192839A1 | 0.634 | 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 |
| US20100125514A1 | 0.634 | Least Cost Routing of Fund Transfer Transactions | APPLICATION | 2010-05-20 | 2008-11-14 | 42170280 | Good | Bank of America Corp | Bank of America Corp |
| US7991688B2 | 0.633 | Methods and apparatus for automatically exchanging credit information | GRANT | 2011-08-02 | 2000-11-14 | 26939252 | Good | Knowledge Works Inc | Knowledge Works Inc |
| US6006333A | 0.633 | 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 |
| US7441263B1 | 0.632 | 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 |
| US20030233321A1 | 0.632 | Integrated invoice solution | APPLICATION | 2003-12-18 | 2001-11-30 | 26962934 | Good | Accenture Global Services GmbH | Accenture Global Services GmbH |
| US7249113B1 | 0.632 | 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 |
| US20060173776A1 | 0.632 | A Method of Authentication | APPLICATION | 2006-08-03 | 2005-01-28 | 36757817 | Good | ||
| US7770002B2 | 0.632 | Multi-factor authentication | GRANT | 2010-08-03 | 2006-08-17 | 39102733 | Good | Fiserv Inc | Fiserv Inc |
| US20040078424A1 | 0.632 | Web services via instant messaging | APPLICATION | 2004-04-22 | 2002-10-16 | 32092453 | Good | Nokia Oyj | Nokia Solutions and Networks Oy |
| EP0540234A2 | 0.631 | 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 |
| US20090030776A1 | 0.631 | SYSTEM FOR PROVIDING OFFERS USING A BILLING STATEMENT | APPLICATION | 2009-01-29 | 1997-12-01 | 27493149 | Good | PayPal Inc | PayPal Inc |
| US7734541B2 | 0.630 | Interactive funds transfer interface | GRANT | 2010-06-08 | 1998-12-08 | 27559005 | Good | Yodlee com Inc | Yodlee com Inc |
| US8224747B2 | 0.630 | Interactive funds transfer interface | GRANT | 2012-07-17 | 1998-12-08 | 33514928 | Good | Yodlee com Inc | Yodlee com Inc |
| US7486784B2 | 0.629 | Bill payment service | GRANT | 2009-02-03 | 2004-08-12 | 35799970 | Good | International Business Machines Corp | International Business Machines Corp |
| US7606752B2 | 0.629 | Host exchange in bill paying services | GRANT | 2009-10-20 | 2006-09-07 | 39158076 | Good | Yodlee com Inc | Yodlee com Inc |
| US7467401B2 | 0.628 | User authentication without prior user enrollment | GRANT | 2008-12-16 | 2004-08-12 | 35801381 | Good | Avatier Corp | Avatier Corp |
| US20100223165A1 | 0.628 | FINANCIAL TRANSACTION ANNOTATIONS | APPLICATION | 2010-09-02 | 2009-02-27 | 42665950 | Good | Bank of America Corp | Bank of America Corp |
| US7308708B2 | 0.627 | 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 |
| US7281652B2 | 0.626 | Point-of-sale provider evaluation | GRANT | 2007-10-16 | 2005-05-18 | 37447425 | Good | Foss Swim School LLC | Foss Swim School LLC |
| US7243369B2 | 0.626 | 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 |
| US8868914B2 | 0.626 | System and methods for distributing trusted time | GRANT | 2014-10-21 | 1999-07-02 | 40472878 | Good | Time Certain LLC | Time Certain LLC |
| US20120066119A1 | 0.626 | METHOD AND SYSTEM FOR ACCESSING WIRELESS ACCOUNT INFORMATION | APPLICATION | 2012-03-15 | 2007-10-23 | 44245627 | Good | GoTV Networks Inc | GoTV Networks Inc |
| US4947028A | 0.626 | Automated order and payment system | GRANT | 1990-08-07 | 1988-07-19 | 25673974 | Good | Arbor International Inc | Visa International Service Association |
| US7299364B2 | 0.625 | 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 |
| US6796497B2 | 0.625 | 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 |
| US20040147270A1 | 0.625 | Identification scheme for a communication device | APPLICATION | 2004-07-29 | 2002-12-31 | 32717814 | Good | Symbol Technologies LLC | Symbol Technologies LLC |
| US20060229961A1 | 0.623 | Risk evaluation method and system using ACH data | APPLICATION | 2006-10-12 | 2005-04-08 | 37084217 | Good | Efunds Corp | Efunds Corp |
| US6161139A | 0.623 | Administrative roles that govern access to administrative functions | GRANT | 2000-12-12 | 1998-07-10 | 22350479 | Good | Encommerce Inc | Entrust Ltd |
| US7386511B2 | 0.623 | Methods and systems for processing financial instrument deposits | GRANT | 2008-06-10 | 2000-04-28 | 32684801 | Good | NETDEPOSIT Inc | PPS Data LLC, NetDeposit LLC |
| US8244646B2 | 0.623 | Systems and methods for determining estimated lead times | GRANT | 2012-08-14 | 2009-06-09 | 43301389 | Good | Fiserv Inc | Fiserv Inc |
| US8121947B1 | 0.623 | 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 |
| US7382868B2 | 0.622 | 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 |
| US20030154162A1 | 0.622 | Credit report retrieval system including voice-based interface | APPLICATION | 2003-08-14 | 2002-02-11 | 27669272 | Good | TrueLink Inc | Transunion Interactive Inc |
| US6247000B1 | 0.622 | Method and system for confirmation and settlement for financial transactions matching | GRANT | 2001-06-12 | 1996-08-21 | 26727611 | Good | Crossmar Inc | Citibank NA |
| US8170931B2 | 0.621 | Configuring user-customized services for networked devices | GRANT | 2012-05-01 | 2008-10-28 | 42040624 | Good | Dell Products LP | Dell Products LP |
| US8463831B2 | 0.621 | 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 |
| US20090012889A1 | 0.621 | PAYMENT ACCOUNT MONITORING SYSTEM AND METHOD | APPLICATION | 2009-01-08 | 2007-07-02 | 40222214 | Good | Early Warning Services LLC | Early Warning Services LLC |
| US20110313921A1 | 0.620 | Internetworking Between P2P Networks | APPLICATION | 2011-12-22 | 2009-12-14 | 44226761 | Good | CASH EDGE Inc | Cashedge Inc, CASH EDGE Inc |
| US9712486B2 | 0.620 | Techniques for the deployment and management of network connected devices | GRANT | 2017-07-18 | 2006-09-25 | 55526863 | Good | WEAVED Inc | Remot3it Inc |
| US8560436B2 | 0.619 | 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 |
| US8032930B2 | 0.619 | 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 |
| US20050042983A1 | 0.619 | 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 |
| US8078527B2 | 0.619 | 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 |
| US7958029B1 | 0.618 | 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 |
| US20060036537A1 | 0.618 | 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 |
| US20020198828A1 | 0.618 | Modular business transactions platform | APPLICATION | 2002-12-26 | 2001-04-03 | 25243414 | Good | Bottomline Techonologies DE Inc | Bottomline Technlogies Inc |
| WO2003079660A1 | 0.618 | 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 | ||
| US20090204435A1 | 0.618 | SYSTEM FOR AUTOMATING MEDICAL IMAGING DIAGNOSTIC SERVICE DELIVERY | APPLICATION | 2009-08-13 | 2008-01-31 | 40939659 | Good | COLOSCAN Inc | BAKER SCOTT HOLDINGS LLC |
| US5862325A | 0.618 | 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 |
| US8560444B2 | 0.617 | 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 |
| US6859212B2 | 0.617 | Interactive transaction center interface | GRANT | 2005-02-22 | 1998-12-08 | 25247427 | Good | Yodlee com Inc | Yodlee com Inc |
| US20020069122A1 | 0.617 | 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 | ||
| US6226364B1 | 0.616 | 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 |
| US6655583B2 | 0.616 | Medical billing method and system | GRANT | 2003-12-02 | 2001-04-13 | 29418380 | Good | Advanced Medical Interventions Inc | Advanced Medical Interventions Inc |
| US8600886B2 | 0.616 | Managing transaction accounts | GRANT | 2013-12-03 | 2006-06-30 | 38895382 | Good | Amazon Technologies Inc | Amazon Technologies Inc |
| US6453353B1 | 0.616 | Role-based navigation of information resources | GRANT | 2002-09-17 | 1998-07-10 | 46276326 | Good | Entrust Ltd | Entrust Ltd |
| US20080126233A1 | 0.616 | Purchase notification system | APPLICATION | 2008-05-29 | 2006-11-29 | 39464873 | Good | Verizon Services Organization Inc | Verizon Patent and Licensing Inc |
| US8849242B2 | 0.615 | 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 |
| US20060004626A1 | 0.615 | Targeted marketing for subscriptions | APPLICATION | 2006-01-05 | 2002-10-31 | 35515150 | Good | Catilina Marketing International Inc | Catalina Marketing Corp |
| US6938821B2 | 0.615 | 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 |
| US6035398A | 0.615 | Cryptographic key generation using biometric data | GRANT | 2000-03-07 | 1997-11-14 | 25516731 | Good | DigitalPersona Inc | DigitalPersona Inc |
| US7194416B1 | 0.614 | Interactive creation and adjudication of health care insurance claims | GRANT | 2007-03-20 | 1998-12-03 | 22759885 | Good | P5 Inc | PPS Data LLC |
| US20030061163A1 | 0.614 | 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 | ||
| US10412231B2 | 0.614 | 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 |
| US8027921B1 | 0.614 | 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 |
| US8751294B2 | 0.613 | Processing value-ascertainable items | GRANT | 2014-06-10 | 2009-12-04 | 44082927 | Good | E2interactive Inc | E2interactive Inc |
| US7689716B2 | 0.613 | 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 |
| US6622131B1 | 0.613 | Method and system for auctioning loans through a computing system | GRANT | 2003-09-16 | 1999-12-23 | 27805385 | Good | rateGenius Inc | Resource Consortium Ltd |
| US20080281737A1 | 0.613 | 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 |
| US20090228714A1 | 0.613 | Secure mobile device with online vault | APPLICATION | 2009-09-10 | 2004-11-18 | 41054831 | Good | Biogy Inc | Biogy Inc |
| US20030101111A1 | 0.613 | 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 |
| US20030167229A1 | 0.612 | Modular business transations platform | APPLICATION | 2003-09-04 | 2001-04-03 | 25243447 | Good | Bottomline Techonologies DE Inc | Bottomline Technlogies Inc |
| US7669236B2 | 0.611 | Determining whether to grant access to a passcode protected system | GRANT | 2010-02-23 | 2004-11-18 | 36387841 | Good | Biogy Inc | Biogy Inc |
| US20030130892A1 | 0.611 | Frequent customer points management method and system | APPLICATION | 2003-07-10 | 2002-01-07 | 19190534 | Good | Hitachi Ltd | Hitachi Ltd |
| US8688543B2 | 0.610 | 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 |
| US20090177562A1 | 0.610 | 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 |
| US7774270B1 | 0.610 | Credit report lock system | GRANT | 2010-08-10 | 2004-08-19 | 42536638 | Good | Transunion Intelligence LLC | Transunion Intelligence LLC |
| US20080177630A1 | 0.609 | 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 |
| US20100005024A1 | 0.609 | 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 |
| US5457305A | 0.609 | Distributed on-line money access card transaction processing system | GRANT | 1995-10-10 | 1994-03-31 | 26789832 | Good | ||
| US20090281891A1 | 0.609 | SYSTEMS AND METHODS FOR VENDING MACHINE FINANCING | APPLICATION | 2009-11-12 | 2006-09-06 | 39157533 | Good | Walker Digital LLC | Walker Digital LLC |
| US20080077526A1 | 0.609 | ONLINE PAYER AUTHORIZATION SYSTEMS AND METHODS | APPLICATION | 2008-03-27 | 2006-09-20 | 39201823 | Good | First Data Corp | First Data Corp |
| US20050154914A1 | 0.609 | 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 |
| US7415729B2 | 0.608 | Storage device | GRANT | 2008-08-19 | 2002-06-19 | 30437005 | Good | Hitachi Ltd | Hitachi Ltd, Renesas Electronics Corp, Netezza Corp |
| US20020198798A1 | 0.608 | Modular business transactions platform | APPLICATION | 2002-12-26 | 2001-04-03 | 25243459 | Good | Bottomline Techonologies DE Inc | Bottomline Technlogies Inc |
| US9003491B2 | 0.608 | 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 |
| US20110231912A1 | 0.608 | 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 |
| US8175969B2 | 0.607 | 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 |
| US20030224766A1 | 0.607 | Method and system for chargeable or authorized parking | APPLICATION | 2003-12-04 | 2002-04-10 | 28051767 | Good | Skidata AG | Skidata AG |
| US6061668A | 0.607 | Control system for pay-per-use applications | GRANT | 2000-05-09 | 1997-11-10 | 25513145 | Good | ||
| US8151343B1 | 0.607 | Method and system for providing authentication credentials | GRANT | 2012-04-03 | 2007-07-30 | 45877508 | Good | Intuit Inc | Intuit Inc |
| US7634651B1 | 0.606 | Secure data transmission web service | GRANT | 2009-12-15 | 2005-10-21 | 41403373 | Good | Intuit Inc | Intuit Inc |
| US5838314A | 0.606 | Digital video services system with optional interactive advertisement capabilities | GRANT | 1998-11-17 | 1996-02-21 | 24418491 | Good | Message Partners | Messager Partners, Message Partners |
| US5956690A | 0.606 | Bundled billing accounting computer systems | GRANT | 1999-09-21 | 1997-09-03 | 25447880 | Good | Detroit Medical Center | VHS OF MICHIGAN Inc |
| US7577665B2 | 0.606 | User characteristic influenced search results | GRANT | 2009-08-18 | 2005-09-14 | 37888369 | Good | Jumptap Inc | Verizon Media Inc |
| US6898711B1 | 0.606 | 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 |
| US20100130172A1 | 0.605 | FRAUD PREVENTION TECHNIQUES | APPLICATION | 2010-05-27 | 2008-11-26 | 42196789 | Good | RingCentral Inc | RingCentral Inc |
| US7083087B1 | 0.605 | 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 |
| US6934849B2 | 0.605 | 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 |
| US20050097039A1 | 0.605 | Multiple credit card management system | APPLICATION | 2005-05-05 | 2003-11-05 | 34551597 | Good | ||
| US6330575B1 | 0.605 | 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 |
| US6289452B1 | 0.605 | Method and system for delivering digital products electronically | GRANT | 2001-09-11 | 1997-11-07 | 25510572 | Good | CyberSource Corp | CyberSource Corp |
| US20130212016A1 | 0.605 | MOBILE DEVICE CREDIT ACCOUNT | APPLICATION | 2013-08-15 | 2007-11-20 | 40642977 | Good | Wells Fargo Bank NA | Wells Fargo Bank NA |
| US20060121880A1 | 0.605 | 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 |
| US20020198829A1 | 0.604 | Modular business transactions platform | APPLICATION | 2002-12-26 | 2001-04-03 | 25243418 | Good | Bottomline Techonologies DE Inc | Bottomline Technlogies Inc |
| USRE39376E1 | 0.604 | System for accessing amenities through a public telephone network | GRANT | 2006-11-07 | 1991-01-11 | 24566726 | Good | SVI Systems Inc | SVI Systems Inc |
| US20020156676A1 | 0.604 | 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 |
| US6754640B2 | 0.604 | 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 |
| US20050058262A1 | 0.604 | Communications methods and systems using voiceprints | APPLICATION | 2005-03-17 | 2003-03-31 | 32989882 | Good | ||
| US6704039B2 | 0.603 | 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 |
| US8209751B2 | 0.603 | Receiving an access key | GRANT | 2012-06-26 | 2004-11-18 | 40845661 | Good | Biogy Inc | Biogy Inc |
| US7314166B2 | 0.603 | 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 |
| US7624433B1 | 0.602 | Keyfob for use with multiple authentication entities | GRANT | 2009-11-24 | 2005-02-24 | 41327949 | Good | Intuit Inc | Intuit Inc |
| US7024548B1 | 0.602 | 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 |
| US20110208601A1 | 0.602 | 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 |
| US8386341B2 | 0.602 | 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 |
| US20020087488A1 | 0.602 | System and method of tracking vehicle information and bill consolidation | APPLICATION | 2002-07-04 | 2000-11-07 | 26684171 | Good | Gelco Corp | Gelco Corp |
| US5291543A | 0.602 | 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 |
| US20050216955A1 | 0.601 | Security attack detection and defense | APPLICATION | 2005-09-29 | 2004-03-25 | 34991709 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20050080697A1 | 0.601 | 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 |
| US7575152B2 | 0.601 | Temporary value card method and system | GRANT | 2009-08-18 | 2005-11-15 | 38039731 | Good | E2interactive Inc | E2interactive Inc |
| US9055122B2 | 0.600 | 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 |
| US20100241535A1 | 0.600 | ACCOUNT ACTIVITY ALERT | APPLICATION | 2010-09-23 | 2009-03-19 | 42738471 | Good | Visa USA Inc | Visa USA Inc |
| US20020013727A1 | 0.600 | System for advertising on a network by displaying guide codes | APPLICATION | 2002-01-31 | 2000-07-27 | 19680228 | Good | ||
| US7503489B2 | 0.600 | 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 |
| US7013125B2 | 0.600 | 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 |
| US20060262929A1 | 0.599 | 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 |
| US8498914B2 | 0.599 | 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 |
| US7117529B1 | 0.598 | Identification and authentication management | GRANT | 2006-10-03 | 2001-10-22 | 37037444 | Good | Intuit Inc | Intuit Inc |
| US7512221B2 | 0.598 | 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 |
| US7756787B1 | 0.598 | Bill payment optimization using a genetic algorithm | GRANT | 2010-07-13 | 2003-01-22 | 42314187 | Good | Intuit Inc | Intuit Inc |
| US20030196109A1 | 0.598 | Method and apparatus for content transaction aggregation | APPLICATION | 2003-10-16 | 2000-08-28 | 26948848 | Good | Contentguard Holdings Inc | Contentguard Holdings Inc |
| US10909617B2 | 0.598 | 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 |
| US20120311433A1 | 0.598 | PAYMENT MECHANISM INTEGRATION WIZARD | APPLICATION | 2012-12-06 | 2008-07-11 | 41506010 | Good | eBay Inc | PayPal Inc |
| US8746581B2 | 0.597 | Techniques for providing an electronic representation of a card | GRANT | 2014-06-10 | 2007-06-19 | 40753927 | Good | CodeBroker LLC | CodeBroker LLC |
| US7729959B1 | 0.597 | 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 |
| US20120203680A1 | 0.597 | 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 |
| US9400875B1 | 0.596 | Content routing with rights management | GRANT | 2016-07-26 | 2005-02-11 | 56410966 | Good | Nokia Oyj | Nokia Technologies Oy |
| US20080128505A1 | 0.596 | 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 |
| US7668738B2 | 0.596 | 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 |
| US7614546B2 | 0.596 | Method and system for deterring product counterfeiting diversion and piracy | GRANT | 2009-11-10 | 2005-02-03 | 36777943 | Good | YottaMark Inc | Trimble Inc |
| US7840674B1 | 0.595 | 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 |
| US8086508B2 | 0.595 | Method and apparatus for delegating authority | GRANT | 2011-12-27 | 2000-07-24 | 34865019 | Good | Cashedge Inc | CheckFree Services Corp |
| US20060173772A1 | 0.595 | 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 |
| US20110184840A1 | 0.595 | SYSTEMS AND METHODS FOR FACILITATING ACCOUNT VERIFICATION OVER A NETWORK | APPLICATION | 2011-07-28 | 2010-01-27 | 44309694 | Good | eBay Inc | PayPal Inc |
| US8069066B2 | 0.595 | Workers' compensation information processing system | GRANT | 2011-11-29 | 2000-02-17 | 24014567 | Good | StoneRiver Pharmacy Solutions Inc | StoneRiver Pharmacy Solutions Inc |
| US20030200180A1 | 0.595 | Money card system method and apparatus | APPLICATION | 2003-10-23 | 2000-05-08 | 29215995 | Good | PHELAN PATRICIA MS | PHELAN PATRICIA MS |
| WO1991016691A1 | 0.595 | VALUE TRANSFER SYSTEM | APPLICATION | 1991-10-31 | 1990-04-12 | 10674365 | Good | ||
| US8065233B2 | 0.594 | 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 |
| US7330717B2 | 0.594 | 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 |
| US7370794B2 | 0.594 | 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 |
| US20020152166A1 | 0.593 | 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 |
| US7690032B1 | 0.593 | 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 |
| US20080306846A1 | 0.593 | 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 |
| US6038551A | 0.593 | 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 |
| US7575157B2 | 0.592 | Fraud protection | GRANT | 2009-08-18 | 2007-05-22 | 39683576 | Good | Bank of America Corp | Bank of America Corp |
| US8073736B2 | 0.592 | Systems and methods for redeeming rewards associated with accounts | GRANT | 2011-12-06 | 1998-04-24 | 29554403 | Good | First Data Corp | First Data Corp |
| US8180904B1 | 0.592 | Data routing and management with routing path selectivity | GRANT | 2012-05-15 | 2001-04-26 | 46033324 | Good | Nokia Oyj | Nokia Technologies Oy |
| US6965881B1 | 0.591 | Digital credential usage reporting | GRANT | 2005-11-15 | 2000-04-24 | 34915301 | Good | Intel Corp | Intel Corp |
| US7213064B2 | 0.591 | Methods and systems for job-based accounting | GRANT | 2007-05-01 | 2000-11-18 | 26920288 | Good | In2M Corp | Finicity Corp |
| US5592560A | 0.591 | 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 |
| US6993320B1 | 0.590 | 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 |
| US20020194140A1 | 0.590 | Metered access to content | APPLICATION | 2002-12-19 | 2001-04-18 | 25274732 | Good | ||
| US9247414B2 | 0.590 | 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 |
| US7383988B2 | 0.590 | System and method for locking and unlocking a financial account card | GRANT | 2008-06-10 | 2005-08-31 | 37802672 | Good | Metavante Corp | Metavante Corp |
| US20090055904A1 | 0.590 | Distributed Authentication System and Distributed Authentication Method | APPLICATION | 2009-02-26 | 2006-02-17 | 38371548 | Good | NEC Corp | NEC Corp |
| US5825880A | 0.589 | 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 |
| US6549904B1 | 0.589 | Auction notification system | GRANT | 2003-04-15 | 1999-06-25 | 23351204 | Good | Amazon com Inc | Amazon Technologies Inc |
| US7672879B1 | 0.589 | 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 | 0.589 | Real-Time Insurance Estimate Based on Limited Identification | APPLICATION | 2015-11-12 | 2008-09-30 | 54368257 | Good | Allstate Insurance Co | Allstate Insurance Co |
| US10417641B2 | 0.588 | 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 |
| US20080147523A1 | 0.588 | Method and apparatus for transaction management | APPLICATION | 2008-06-19 | 2006-12-18 | 39528701 | Good | Mastercard International Inc | Mastercard International Inc |
| US7444518B1 | 0.588 | Method and apparatus for communicating authorization data | GRANT | 2008-10-28 | 2003-06-16 | 39874416 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20110107400A1 | 0.588 | 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 |
| US20020029192A1 | 0.587 | Settlement method and system | APPLICATION | 2002-03-07 | 2000-06-29 | 18695243 | Good | Hitachi Ltd | Hitachi Ltd, Mitsubishi HC Capital Inc |
| US20020098828A1 | 0.587 | 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 |
| US20070174448A1 | 0.587 | 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 |
| US20080103836A1 | 0.586 | Medical document attachment handling | APPLICATION | 2008-05-01 | 2006-10-31 | 39331427 | Good | AthenaHealth Inc | AthenaHealth Inc |
| US8200966B2 | 0.586 | Secure network access | GRANT | 2012-06-12 | 2001-02-15 | 3710493 | Good | EWISE SYSTEMS Pty Ltd | EWISE SYSTEMS Pty Ltd |
| US20030023555A1 | 0.585 | Method and system for providing financial services | APPLICATION | 2003-01-30 | 2001-07-26 | 26896002 | Good | CashWorks Inc | CashWorks Inc |
| US8069213B2 | 0.585 | 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 |
| US20120259763A1 | 0.585 | APPARATUS AND METHOD OF A DISTRIBUTED CAPITAL SYSTEM | APPLICATION | 2012-10-11 | 2002-02-14 | 27737522 | Good | ||
| US20060151598A1 | 0.585 | Categorization based spending control | APPLICATION | 2006-07-13 | 2005-01-13 | 36652309 | Good | International Business Machines Corp | International Business Machines Corp |
| US8700458B2 | 0.585 | System method and database for processing transactions | GRANT | 2014-04-15 | 1989-05-01 | 22375707 | Good | Catalina Marketing Corp | Catalina Marketing Corp |
| US6556818B1 | 0.585 | Fixed calling party pays charges | GRANT | 2003-04-29 | 2000-04-24 | 24220733 | Good | Bell Atlantic Mobile Inc | Bell Atlantic Mobile Systems LLC |
| US20100250338A1 | 0.584 | TRANSACTION RECURRENCE ENGINE | APPLICATION | 2010-09-30 | 2009-03-27 | 42781544 | Good | Bank of America Corp | Bank of America Corp |
| US7353541B1 | 0.584 | 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 |
| US20120323781A1 | 0.584 | 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 |
| US20060163343A1 | 0.584 | Virtual card service system and method | APPLICATION | 2006-07-27 | 2002-09-28 | 36695708 | Good | Mquay Inc | Mquay Inc |
| US20090037332A1 | 0.583 | Systems and Methods for Processing Banking Transactions | APPLICATION | 2009-02-05 | 2007-07-31 | 40304877 | Good | City National Bank | City National Bank |
| US7412487B2 | 0.583 | 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 |
| US7206768B1 | 0.583 | 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 |
| US5875236A | 0.583 | Call handling method for credit and fraud management | GRANT | 1999-02-23 | 1995-11-21 | 24245364 | Good | AT&T Corp | AT&T Corp |
| US20120136774A1 | 0.583 | 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 |
| US7028052B2 | 0.583 | 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 |
| US8738693B2 | 0.582 | 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 |
| US20040186807A1 | 0.582 | 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 |
| US20070078985A1 | 0.582 | 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 |
| US20060213985A1 | 0.582 | METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES | APPLICATION | 2006-09-28 | 1996-12-09 | 27117079 | Good | ||
| US8260699B2 | 0.582 | Method and system for managing spending through account allocation | GRANT | 2012-09-04 | 2001-05-30 | 25354856 | Good | Finicity Corp | Finicity Corp |
| US20100250379A1 | 0.581 | INTERACTIVE INTERCHANGE RATE DECISIONING | APPLICATION | 2010-09-30 | 2009-03-30 | 42785417 | Good | Bank of America Corp | Bank of America Corp |
| US6829473B2 | 0.581 | 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 |
| US20110178860A1 | 0.581 | 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 |
| US7870066B2 | 0.581 | Automatic dispute resolution | GRANT | 2011-01-11 | 2003-06-06 | 33555431 | Good | eBay Inc | eBay Inc |
| US7930411B1 | 0.580 | Network-based verification and fraud-prevention system | GRANT | 2011-04-19 | 1998-12-08 | 43858729 | Good | Yodlee com Inc | Yodlee com Inc |
| US8255978B2 | 0.580 | Verified personal information database | GRANT | 2012-08-28 | 2003-03-11 | 33554978 | Good | Innovatrend Inc | Innovatrend Inc |
| US7644285B1 | 0.580 | Recovery access to secure data | GRANT | 2010-01-05 | 2004-04-08 | 41460449 | Good | Intuit Inc | Intuit Inc |
| WO2006091301A2 | 0.580 | PASSCODES | APPLICATION | 2006-08-31 | 2005-01-24 | 36927877 | Good | ||
| US20030144910A1 | 0.580 | 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 |
| US20040133440A1 | 0.580 | 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 |
| US8401875B2 | 0.580 | 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 |
| US7756789B2 | 0.579 | Method and system for debt recovery | GRANT | 2010-07-13 | 2003-09-11 | 36146567 | Good | Capital One Financial Corp | Capital One Services LLC |
| US7069444B2 | 0.579 | Portable wireless access to computer-based systems | GRANT | 2006-06-27 | 2002-01-25 | 27658229 | Good | LOWENSOHN BRENT | LOWENSOHN BRENT |
| US8606631B2 | 0.579 | Chasing rewards associated with accounts | GRANT | 2013-12-10 | 1999-04-23 | 23150430 | Good | First Data Corp | First Data Corp |
| US20110251953A1 | 0.579 | 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 |
| US20040006536A1 | 0.579 | Electronic money system | APPLICATION | 2004-01-08 | 2001-06-11 | 26616686 | Good | Sony Corp | Sony Corp |
| US7054665B2 | 0.579 | 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 |
| US8352564B1 | 0.579 | 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 |
| US20040225887A1 | 0.579 | Centralized authentication system | APPLICATION | 2004-11-11 | 2003-05-08 | 33416544 | Good | BellSouth Intellectual Property Corp | AT&T Intellectual Property I LP |
| US6064990A | 0.578 | System for electronic notification of account activity | GRANT | 2000-05-16 | 1998-03-31 | 21977187 | Good | International Business Machines Corp | PayPal Inc |
| US8041099B2 | 0.578 | Check verification system | GRANT | 2011-10-18 | 1994-06-15 | 43617349 | Good | Abed Emad Yousef | Abed Emad Yousef |
| US9256904B1 | 0.578 | Multi-bureau credit file freeze and unfreeze | GRANT | 2016-02-09 | 2008-08-14 | 55235632 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US20030220858A1 | 0.578 | Method and system for collaborative vendor reconciliation | APPLICATION | 2003-11-27 | 2002-05-24 | 29549168 | Good | Xign Corp | JPMorgan Chase Bank NA |
| US7065526B2 | 0.577 | Scalable database management system | GRANT | 2006-06-20 | 2002-02-21 | 27733276 | Good | Intuit Inc | Quickbase Inc |
| US20050015338A1 | 0.577 | Electronic Statement Organizer with User Interface and Integrated Bill Payment | APPLICATION | 2005-01-20 | 2003-07-16 | 34068343 | Good | ||
| US5025373A | 0.577 | Portable personal-banking system | GRANT | 1991-06-18 | 1988-06-30 | 22798413 | Good | JML Communications Inc | JAMES MADISON COMMUNICATIONS LLC, JML Communications Inc |
| US7725330B2 | 0.577 | 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 |
| US5469497A | 0.577 | 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 |
| US8370256B1 | 0.576 | Method and apparatus for dynamic financial liability management | GRANT | 2013-02-05 | 2003-10-14 | 46332573 | Good | MoneyAbility Tech LLC | Pfm Solutions LLC |
| US20090006230A1 | 0.576 | Identity Risk Scoring | APPLICATION | 2009-01-01 | 2007-06-27 | 40161742 | Good | Fiserv Inc | Fiserv Inc |
| US8041640B2 | 0.575 | Method and system for account verification | GRANT | 2011-10-18 | 2006-05-02 | 38662252 | Good | Compucredit Intellectual Property Holdings Corp II | CC SERVE Corp |
| US20040010458A1 | 0.575 | Methods and systems for organizing information from multiple sources | APPLICATION | 2004-01-15 | 2002-07-10 | 30114597 | Good | First Data Corp | First Data Corp |
| US8086524B1 | 0.575 | 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 |
| US5732400A | 0.575 | System and method for a risk-based purchase of goods | GRANT | 1998-03-24 | 1995-01-04 | 23450642 | Good | Citibank NA | Citibank NA |
| US20030028529A1 | 0.575 | Search engine account monitoring | APPLICATION | 2003-02-06 | 2001-08-03 | 26806214 | Good | Overture Services Inc | R2 Solutions LLC, Altaba Inc |
| US6324516B1 | 0.574 | 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 |
| US20090171838A1 | 0.574 | 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 |
| WO2001090836A2 | 0.573 | REAL-TIME (ALL THE TIME) OPERATION SUPPORT SYSTEM AND METHOD | APPLICATION | 2001-11-29 | 2000-05-25 | 24309476 | Good | ||
| US7209895B2 | 0.573 | Methods for use in providing user ratings according to prior transactions | GRANT | 2007-04-24 | 2004-05-19 | 35376327 | Good | Yahoo Inc | Google LLC |
| US7644023B2 | 0.573 | Portfolio synchronizing between different interfaces | GRANT | 2010-01-05 | 1998-12-08 | 46277601 | Good | Yodlee com Inc | Yodlee com Inc |
| US20120054224A1 | 0.573 | METHOD SYSTEM AND COMPUTER PROGRAM PRODUCT FOR CURRENCY SEARCHING | APPLICATION | 2012-03-01 | 2010-08-30 | 45698537 | Good | ||
| US20120089438A1 | 0.572 | POINT-OF-SALE-BASED MARKET TRACKING AND REPORTING | APPLICATION | 2012-04-12 | 2010-04-12 | 44761573 | Good | First Data Corp | First Data Corp |
| US20070219881A1 | 0.572 | 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 |
| US20020031230A1 | 0.572 | 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 |
| US20050193198A1 | 0.572 | System method and apparatus for electronic authentication | APPLICATION | 2005-09-01 | 2004-01-27 | 34976015 | Good | LIVO TECHNOLOGIES SA | LIVO TECHNOLOGIES SA |
| US8320944B1 | 0.572 | Method and system for creating/updating customer lists and profiles | GRANT | 2012-11-27 | 2010-01-04 | 47190949 | Good | Intuit Inc | Intuit Inc |
| US8281372B1 | 0.571 | Device system and method of accessing electronic mail | GRANT | 2012-10-02 | 2009-12-18 | 46924908 | Good | Google LLC | Google LLC |
| US8261974B2 | 0.571 | Integrated financial transaction and access system | GRANT | 2012-09-11 | 2007-09-14 | 40453387 | Good | ||
| US8055904B1 | 0.570 | 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 |
| US8332241B2 | 0.570 | 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 |
| US7917581B2 | 0.570 | Call completion via instant communications client | GRANT | 2011-03-29 | 2002-04-02 | 46150351 | Good | Verizon Business Global LLC | Verizon Patent and Licensing Inc |
| US6782379B2 | 0.570 | Preparing output XML based on selected programs and XML templates | GRANT | 2004-08-24 | 2000-12-22 | 27401100 | Good | Oblix Inc | Oracle International Corp |
| US5953710A | 0.570 | Children's credit or debit card system | GRANT | 1999-09-14 | 1996-10-09 | 24924910 | Good | ||
| US7058386B2 | 0.570 | Mobile phone distribution system | GRANT | 2006-06-06 | 1991-09-27 | 23010169 | Good | Telemac Corp | Tracfone Wireless Inc |
| US20090240567A1 | 0.569 | INTERACTIVE MARKETING SYSTEM | APPLICATION | 2009-09-24 | 2008-02-21 | 41089806 | Good | Micronotes LLC | MICRONOTES Inc, Micronotes LLC |
| US20020013899A1 | 0.569 | Automated document distribution and transaction verification | APPLICATION | 2002-01-31 | 2000-06-17 | 26906992 | Good | Cardiff Software Inc | Cardiff Software Inc |
| US10956550B2 | 0.569 | Embedded authentication systems in an electronic device | GRANT | 2021-03-23 | 2007-09-24 | 40429680 | Good | Apple Inc | Apple Inc |
| US8234498B2 | 0.568 | 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 |
| US20110270618A1 | 0.568 | MOBILE COMMERCE SYSTEM | APPLICATION | 2011-11-03 | 2010-04-30 | 44858998 | Good | Bank of America Corp | Bank of America Corp |
| US7844522B2 | 0.568 | 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 |
| US20090089869A1 | 0.568 | TECHNIQUES FOR FRAUD MONITORING AND DETECTION USING APPLICATION FINGERPRINTING | APPLICATION | 2009-04-02 | 2006-04-28 | 40509953 | Good | Oracle International Corp | Oracle International Corp |
| US20030009301A1 | 0.567 | Integrated utility meter-reading billing payment and usage management system | APPLICATION | 2003-01-09 | 2000-05-30 | 24316112 | Good | ||
| US7447663B1 | 0.567 | 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 |
| US20020161476A1 | 0.567 | System for vending and dispensing digital files | APPLICATION | 2002-10-31 | 2001-04-05 | 26815107 | Good | ||
| US7225464B2 | 0.567 | 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 |
| US8396747B2 | 0.567 | 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 |
| US7353203B1 | 0.566 | System and method for invoice confirmation and funding | GRANT | 2008-04-01 | 1999-11-23 | 26863188 | Good | Inzap Inc | Inzap Inc |
| US4305059A | 0.566 | Modular funds transfer system | GRANT | 1981-12-08 | 1980-01-03 | 22327097 | Good | Currency Scientific Inc | Currency Scientific Inc |
| US20070083463A1 | 0.566 | FRAUD ALERT SWITCH | APPLICATION | 2007-04-12 | 2005-09-20 | 37911983 | Good | MYPUBLICINFO Inc | MYPUBLICINFO Inc |
| US20120066046A1 | 0.565 | 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 |
| US7340042B2 | 0.565 | System and method of subscription identity authentication utilizing multiple factors | GRANT | 2008-03-04 | 2005-10-21 | 37968275 | Good | VoiceVerified Inc | Csidentity Corp |
| US5739512A | 0.564 | Digital delivery of receipts | GRANT | 1998-04-14 | 1996-05-30 | 24631731 | Good | Sun Microsystems Inc | Oracle America Inc |
| US6816871B2 | 0.564 | Delivering output XML with dynamically selectable processing | GRANT | 2004-11-09 | 2000-12-22 | 27401102 | Good | Oblix Inc | Oracle International Corp |
| US8856236B2 | 0.564 | Messaging response system | GRANT | 2014-10-07 | 2002-04-02 | 29782504 | Good | Verizon Patent and Licensing Inc | Verizon Patent and Licensing Inc |
| US8001582B2 | 0.563 | Cross-network reputation for online services | GRANT | 2011-08-16 | 2008-01-18 | 40877529 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20060041670A1 | 0.563 | 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 |
| US6950807B2 | 0.563 | System and method for providing financing | GRANT | 2005-09-27 | 2001-12-31 | 21892196 | Good | Credit Acceptance Corp | Credit Acceptance Corp |
| US20090327108A1 | 0.562 | 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 |
| US20080162317A1 | 0.562 | METHOD AND APPARATUS FOR INTEGRATED PAYMENTS PROCESSING AND DECISIONING FOR INTERNET TRANSACTIONS | APPLICATION | 2008-07-03 | 2000-10-31 | 24825051 | Good | ||
| US5825863A | 0.561 | Prepaid limited usage calling card | GRANT | 1998-10-20 | 1995-12-11 | 32230566 | Good | Walker Asset Management LP | Inventor Holdings LLC |
| US8401941B1 | 0.561 | 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 |
| WO2006069082A2 | 0.561 | ACCESS KEYS | APPLICATION | 2006-06-29 | 2004-12-20 | 36602274 | Good | ||
| US8781951B2 | 0.561 | Method and system for providing financing | GRANT | 2014-07-15 | 2006-12-22 | 39544280 | Good | CCIP Corp | CC SERVE Corp |
| US20120011027A1 | 0.561 | DOWNLOADING SYSTEM AND UNIT METHOD AND PROGRAM FOR THE SAME | APPLICATION | 2012-01-12 | 2009-03-25 | 42780476 | Good | NEC Corp | NEC Corp |
| US8104671B2 | 0.561 | Store solutions | GRANT | 2012-01-31 | 2007-06-12 | 40130097 | Good | Catalina Marketing Corp | Catalina Marketing Corp |
| US7218912B2 | 0.560 | 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 |
| US7861287B2 | 0.560 | 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 |
| US7337947B1 | 0.560 | Prepaid account and card | GRANT | 2008-03-04 | 2005-06-30 | 39125340 | Good | Capital One Financial Corp | Capital One Services LLC |
| US8370340B1 | 0.560 | User location reputation system | GRANT | 2013-02-05 | 2009-08-07 | 46689888 | Good | Google LLC | Google LLC |
| US20080005760A1 | 0.560 | DIGITAL CONTENT DELIVERY SYSTEM TRANSACTION ENGINE | APPLICATION | 2008-01-03 | 2001-03-29 | 25238114 | Good | ROOMSTER Inc | 10TH AVENUE MEDIA LLC |
| US7877784B2 | 0.560 | Verifying authenticity of webpages | GRANT | 2011-01-25 | 2007-06-07 | 40094267 | Good | Alcatel Lucent SAS | Piece Future Pte Ltd |
| US6985887B1 | 0.559 | 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 |
| US7542993B2 | 0.559 | 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 |
| US6728397B2 | 0.559 | Check verification system | GRANT | 2004-04-27 | 1998-06-19 | 26781113 | Good | Biometric Payment Solutions LLC | Biometric Payment Solutions LLC |
| US6607136B1 | 0.559 | Physical presence digital authentication system | GRANT | 2003-08-19 | 1998-09-16 | 26876408 | Good | Beepcard Inc | Sonixio Inc |
| US20010047332A1 | 0.559 | 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 |
| US7107285B2 | 0.559 | 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 |
| US4827508A | 0.559 | 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 |
| US20040143547A1 | 0.559 | Automated accounts payable using image typing and type specific processing | APPLICATION | 2004-07-22 | 2002-07-02 | 32717009 | Good | ||
| US20080028446A1 | 0.559 | SYSTEM AND METHOD OF EFFICIENT E-MAIL LINK EXPIRATION | APPLICATION | 2008-01-31 | 2006-07-25 | 38987938 | Good | MyPoints com Inc | MyPoints com Inc |
| US6745196B1 | 0.558 | 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 |
| US8705718B2 | 0.558 | 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 |
| US8244635B2 | 0.557 | 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 |
| US20080115226A1 | 0.557 | OVER-THE-AIR DEVICE KILL PILL AND LOCK | APPLICATION | 2008-05-15 | 2006-11-15 | 39402623 | Good | Palm Inc | Qualcomm Inc |
| US8144850B2 | 0.557 | Logging calls according to call context | GRANT | 2012-03-27 | 2001-12-17 | 21810559 | Good | International Business Machines Corp | Daedalus Blue LLC |
| US20080010203A1 | 0.557 | Purchasing Alert Methods And Apparatus | APPLICATION | 2008-01-10 | 2004-09-13 | 36060562 | Good | iXept Inc | Toronto-Dominion Bank |
| US20100036697A1 | 0.556 | Online Management of the Provision of Advice and Services | APPLICATION | 2010-02-11 | 2008-08-11 | 39790560 | Good | Greatvine Ltd | Greatvine Ltd |
| US20090228392A1 | 0.556 | Online credit escrow service | APPLICATION | 2009-09-10 | 2008-03-05 | 41054624 | Good | ||
| US20050080723A1 | 0.555 | Computerized bargaining system and method | APPLICATION | 2005-04-14 | 1998-08-06 | 34422837 | Good | CYBERSETTLE HOLDING Inc | CYBERSETTLE HOLDING Inc |
| US20110191241A1 | 0.555 | 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 |
| US7066382B2 | 0.555 | Method and apparatus for transferring or receiving data via the Internet securely | GRANT | 2006-06-27 | 2000-04-17 | 27255674 | Good | ||
| US20030158815A1 | 0.555 | Information processing apparatus and information processing method | APPLICATION | 2003-08-21 | 2001-12-28 | 27604886 | Good | Sony Corp | Sony Corp |
| US20020133462A1 | 0.555 | 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 |
| US8005755B2 | 0.555 | System and method for syndicated transactions | GRANT | 2011-08-23 | 2000-04-25 | 27394045 | Good | Yodlee com Inc | Yodlee com Inc |
| US20090199294A1 | 0.554 | Managing Password Expiry | APPLICATION | 2009-08-06 | 2008-02-05 | 40933088 | Good | Red Hat Inc | Red Hat Inc |
| US8261334B2 | 0.554 | 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 |
| US20030187780A1 | 0.554 | 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 |
| US20030163733A1 | 0.553 | 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 |
| US20080091818A1 | 0.553 | 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 |
| US6543683B2 | 0.553 | 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 |
| US7289971B1 | 0.552 | Personal information security and exchange tool | GRANT | 2007-10-30 | 1996-07-22 | 21807484 | Good | CYVA RESEARCH Corp | CYVA RESEARCH HOLDINGS LLC |
| US20090248483A1 | 0.552 | 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 |
| US8316400B1 | 0.552 | 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 |
| US20090198572A1 | 0.552 | 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 |
| US8694420B1 | 0.552 | 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 |
| US20090177581A1 | 0.552 | 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 |
| US7333635B2 | 0.552 | Method and system for confirming personal identity | GRANT | 2008-02-19 | 2005-09-02 | 38322126 | Good | Intersections Inc | Intersections Inc |
| US20070245414A1 | 0.552 | Proxy Authentication and Indirect Certificate Chaining | APPLICATION | 2007-10-18 | 2006-04-14 | 38606407 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20050238149A1 | 0.551 | Cellular phone-based automatic payment system | APPLICATION | 2005-10-27 | 2004-04-24 | 35136422 | Good | ||
| US20110107265A1 | 0.551 | CUSTOMIZABLE GRAPHICAL USER INTERFACE | APPLICATION | 2011-05-05 | 2008-10-16 | 42106834 | Good | Bank of America Corp | Bank of America Corp |
| US20080282324A1 | 0.551 | Secure Social Networking System with Anti-Predator Monitoring | APPLICATION | 2008-11-13 | 2007-05-10 | 39970342 | Good | ||
| US8095443B2 | 0.550 | Debt trending systems and methods | GRANT | 2012-01-10 | 2008-06-18 | 41432231 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20080201578A1 | 0.550 | Computer security using visual authentication | APPLICATION | 2008-08-21 | 2007-02-15 | 39707668 | Good | CRYPTOPHOTOCOM PTY Ltd | CRYPTOPHOTOCOM PTY Ltd |
| US20040159700A1 | 0.550 | 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 |
| US7603320B1 | 0.550 | Method and system for protecting sensitive information and preventing unauthorized use of identity information | GRANT | 2009-10-13 | 2002-08-31 | 41138077 | Good | ||
| US20040193538A1 | 0.550 | Receipt processing system and method | APPLICATION | 2004-09-30 | 2003-03-31 | 32995033 | Good | ||
| US20120030771A1 | 0.550 | NETWORK SECURITY AND FRAUD DETECTION SYSTEM AND METHOD | APPLICATION | 2012-02-02 | 2004-06-14 | 35461883 | Good | Iovation Inc | Iovation Inc |
| US20020191788A1 | 0.549 | Credit or debit copy-protected optical disc | APPLICATION | 2002-12-19 | 2001-03-28 | 25227551 | Good | Eastman Kodak Co | Eastman Kodak Co |
| US7461249B1 | 0.549 | 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 |
| US7117172B1 | 0.549 | Methods and systems for managing financial accounts | GRANT | 2006-10-03 | 1999-03-11 | 37037380 | Good | Corecard Software Inc | Corecard Software Inc |
| US5060153A | 0.549 | 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 |
| US8335739B1 | 0.549 | 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 |
| US20100030675A1 | 0.548 | 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 |
| US7930285B2 | 0.548 | 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 |
| US8010674B2 | 0.548 | Learning and community-based web aggregation techniques | GRANT | 2011-08-30 | 2008-03-31 | 41118747 | Good | Intuit Inc | Intuit Inc |
| US20060248011A1 | 0.547 | Secure commerce systems | APPLICATION | 2006-11-02 | 2005-04-27 | 36691433 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US8260682B2 | 0.547 | 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 |
| US8255971B1 | 0.547 | Authentication system and method | GRANT | 2012-08-28 | 2008-03-03 | 46689949 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US7120419B2 | 0.546 | 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 |
| US20100011428A1 | 0.546 | 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 |
| US20030115288A1 | 0.545 | 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 |
| US20090055322A1 | 0.545 | 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 |
| US20080281726A1 | 0.545 | Credit and transaction systems | APPLICATION | 2008-11-13 | 2007-03-22 | 39970407 | Good | INTELLECTUAL ADVANCE Inc | INTELLECTUAL ADVANCE Inc |
| US9058627B1 | 0.545 | Circular rotational interface for display of consumer credit information | GRANT | 2015-06-16 | 2002-05-30 | 53279928 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US7505931B2 | 0.545 | Method and system for monitoring transactions | GRANT | 2009-03-17 | 2003-03-03 | 32926497 | Good | Standard Chartered PLC | Standard Chartered UK Holdings Ltd |
| US7295658B2 | 0.544 | System and method for providing prepaid telecommunication services | GRANT | 2007-11-13 | 2002-03-15 | 28044614 | Good | Locus Telecommunications Inc | Locus Telecommunications Inc |
| US7917435B2 | 0.544 | 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 |
| US8032932B2 | 0.544 | Systems and methods for providing security token authentication | GRANT | 2011-10-04 | 2008-08-22 | 41697556 | Good | Citibank NA | Citibank NA |
| US8141147B2 | 0.544 | 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 |
| US6802042B2 | 0.543 | 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 |
| US20080201401A1 | 0.543 | SECURE SERVER AUTHENTICATION AND BROWSING | APPLICATION | 2008-08-21 | 2004-08-20 | 34979955 | Good | ||
| US20080189211A1 | 0.543 | SYSTEM AND METHODS FOR PROCESSING CREDIT TRANSACTIONS | APPLICATION | 2008-08-07 | 2007-02-07 | 39676984 | Good | ||
| US7917412B1 | 0.543 | Method and system for collecting information | GRANT | 2011-03-29 | 2008-01-31 | 43769951 | Good | Intuit Inc | Intuit Inc |
| US20090222449A1 | 0.543 | 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 |
| US20090157517A1 | 0.542 | ADJUSTABLE BALANCE LIMIT PREPAID PRESENTATION INSTRUMENT | APPLICATION | 2009-06-18 | 2007-12-14 | 40754496 | Good | Western Union Co | Western Union Co |
| US6254000B1 | 0.542 | 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 |
| US20030041019A1 | 0.542 | Methods and systems for deal structuring for automobile dealers | APPLICATION | 2003-02-27 | 2001-08-15 | 26720703 | Good | WESTLAKE SERVICES Inc | WESTLAKE SERVICES Inc |
| US20080114855A1 | 0.542 | OVER-THE-AIR DEVICE SERVICES AND MANAGEMENT | APPLICATION | 2008-05-15 | 2006-11-15 | 39430631 | Good | Palm Inc | Qualcomm Inc |
| US8407755B2 | 0.542 | Control of IPTV using second device | GRANT | 2013-03-26 | 2010-07-27 | 45528041 | Good | Sony Corp | Sony Corp |
| US8504394B2 | 0.541 | 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 |
| US7039656B1 | 0.540 | 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 |
| US20090171817A1 | 0.540 | REMOTE ACCOUNT MAINTENANCE SYSTEM AND METHOD | APPLICATION | 2009-07-02 | 2007-12-28 | 40799674 | Good | ||
| US6865680B1 | 0.540 | 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 |
| US6873972B1 | 0.540 | Systems and methods for credit line monitoring | GRANT | 2005-03-29 | 2000-08-01 | 34312577 | Good | General Electric Co | General Electric Co |
| US20030069839A1 | 0.540 | Method for confirming and reporting financial data | APPLICATION | 2003-04-10 | 2000-01-24 | 27050125 | Good | ||
| US20090199094A1 | 0.540 | 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 |
| US7603314B2 | 0.540 | 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 |
| US7556192B2 | 0.539 | 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 |
| EP2342688A1 | 0.539 | 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 |
| US20100248681A1 | 0.539 | METHOD AND SYSTEM FOR PRODUCING EMERGENCY NOTIFICATIONS | APPLICATION | 2010-09-30 | 2009-03-27 | 42784893 | Good | ||
| US20030158960A1 | 0.538 | System and method for establishing a privacy communication path | APPLICATION | 2003-08-21 | 2000-05-22 | 27738773 | Good | ||
| US20150088982A1 | 0.538 | LOAD BALANCED INTER-DEVICE MESSAGING | APPLICATION | 2015-03-26 | 2006-09-25 | 52691980 | Good | WEAVED Inc | WEAVED Inc |
| US6356937B1 | 0.538 | 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 |
| US20100299186A1 | 0.538 | METHODS AND DEVICES FOR SAVINGS PARTICIPATION | APPLICATION | 2010-11-25 | 2009-05-20 | 43125194 | Good | US Bank NA | US Bank NA |
| US20060271456A1 | 0.537 | Debit-based identity theft monitoring and prevention | APPLICATION | 2006-11-30 | 2005-05-26 | 37464637 | Good | Efunds Corp | Efunds Corp |
| US20050125686A1 | 0.537 | 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 |
| US20060239512A1 | 0.537 | Anti-identity theft system and method | APPLICATION | 2006-10-26 | 2005-04-22 | 37186941 | Good | IMMe LLC | IMMe LLC |
| US8473355B2 | 0.537 | System and method for electronic wallet conversion | GRANT | 2013-06-25 | 2002-12-06 | 34521563 | Good | Facebook Inc | Facebook Inc |
| US8296229B1 | 0.536 | 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 |
| US7430520B1 | 0.536 | 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 |
| US20110082736A1 | 0.536 | 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 |
| US20040214600A1 | 0.536 | Guest services device | APPLICATION | 2004-10-28 | 2003-04-24 | 33303214 | Good | NORTH SHORE TRAVEL Ltd | NORTH SHORE TRAVEL Ltd |
| US7177846B2 | 0.536 | Technique for account authentication | GRANT | 2007-02-13 | 2002-07-29 | 30770242 | Good | Fiserv Inc | Fiserv Inc, CheckFree Services Corp |
| US20020069182A1 | 0.536 | System and method for alternative dispute resolution | APPLICATION | 2002-06-06 | 1999-12-06 | 26864754 | Good | ||
| US7708191B2 | 0.536 | 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 | ||
| US8930263B1 | 0.536 | Credit data analysis | GRANT | 2015-01-06 | 2003-05-30 | 52117389 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US7761384B2 | 0.536 | Strategy-driven methodology for reducing identity theft | GRANT | 2010-07-20 | 2006-03-16 | 38519110 | Good | ||
| US8346226B2 | 0.536 | 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 |
| US7003677B1 | 0.535 | 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 |
| US20090289110A1 | 0.535 | 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 |
| US8630938B2 | 0.535 | 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 |
| US9032097B2 | 0.535 | Data communication with remote network node | GRANT | 2015-05-12 | 2001-04-26 | 36916775 | Good | Nokia Oyj | Nokia Technologies Oy |
| US7155739B2 | 0.535 | 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 |
| US7987501B2 | 0.535 | 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 |
| US8676672B2 | 0.535 | Systems and methods for electronic delivery of stored value | GRANT | 2014-03-18 | 2007-08-23 | 40378658 | Good | E2interactive Inc | E2interactive Inc |
| US20030002671A1 | 0.535 | 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 |
| US20100324999A1 | 0.534 | ADVERTISEMENT PROXY SERVICE | APPLICATION | 2010-12-23 | 2009-06-22 | 43355108 | Good | Mobicious Inc | Synchronoss Technologies Inc, Mobicious Inc |
| US6422462B1 | 0.534 | Apparatus and methods for improved credit cards and credit card transactions | GRANT | 2002-07-23 | 1998-03-30 | 26762534 | Good | ||
| US20050273431A1 | 0.534 | 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 |
| US20090319294A1 | 0.534 | Managed distribution solution and methods thereof | APPLICATION | 2009-12-24 | 2008-06-18 | 41432147 | Good | CuraScript Inc | CuraScript Inc |
| US20070168279A1 | 0.534 | Disposable payment account | APPLICATION | 2007-07-19 | 2006-01-13 | 38264402 | Good | Metavante Corp | Metavante Corp |
| US6490625B1 | 0.534 | Powerful and flexible server architecture | GRANT | 2002-12-03 | 1997-11-26 | 25527338 | Good | International Business Machines Corp | International Business Machines Corp |
| US5956698A | 0.534 | Information broker for printing system | GRANT | 1999-09-21 | 1997-07-31 | 25417939 | Good | Xerox Corp | Xerox Corp |
| US20050125291A1 | 0.534 | Systems and methods of managing marketing campaigns | APPLICATION | 2005-06-09 | 2003-11-14 | 34590433 | Good | Canada Post Corp | Canada Post Corp |
| US20110288973A1 | 0.534 | STATE-BASED COMPLIANCE VERIFICATION IN A DISCONNECTED SYSTEM | APPLICATION | 2011-11-24 | 2010-05-20 | 44973272 | Good | Red Hat Inc | Red Hat Inc |
| US7620592B2 | 0.533 | 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 |
| US7818228B1 | 0.533 | System and method for managing consumer information | GRANT | 2010-10-19 | 2004-12-16 | 42941281 | Good | Consumerdirect Inc | Consumerdirect Inc |
| US8275636B2 | 0.533 | Identity insurance transaction method | GRANT | 2012-09-25 | 2000-10-26 | 22919386 | Good | American International Group Inc | American International Group Inc |
| US20080288400A1 | 0.532 | Centralized Payment Method and System for Online and Offline Transactions | APPLICATION | 2008-11-20 | 2007-04-27 | 39926094 | Good | Cashedge Inc | Cashedge Inc |
| 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 |
| US6510451B2 | 0.532 | 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 |
| US20070249323A1 | 0.532 | Simplified dual mode wireless device authentication apparatus and method | APPLICATION | 2007-10-25 | 2006-04-21 | 38620092 | Good | Cisco Technology Inc | Cisco Technology Inc |
| US8528813B1 | 0.532 | Selectable multi-purpose card | GRANT | 2013-09-10 | 2000-12-06 | 24935175 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US9436805B1 | 0.532 | 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 |
| US7797734B2 | 0.531 | 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 |
| US20080277465A1 | 0.531 | 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 |
| US6871220B1 | 0.531 | 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 |
| US8266515B2 | 0.531 | Categorization of summarized information | GRANT | 2012-09-11 | 1999-06-01 | 38092711 | Good | Yodlee com Inc | Yodlee com Inc |
| US6167438A | 0.531 | Method and system for distributed caching prefetching and replication | GRANT | 2000-12-26 | 1997-05-22 | 25337146 | Good | Boston University | Akamai Technologies Inc |
| US6615193B1 | 0.531 | Monitoring system and method | GRANT | 2003-09-02 | 1997-04-22 | 10811120 | Good | Nice Systems Technologies UK Ltd | Nice Systems Technologies UK Ltd |
| WO2001044899A1 | 0.530 | CRYPTOGRAPHIC TOKEN AND SECURITY SYSTEM | APPLICATION | 2001-06-21 | 1999-12-13 | 25681390 | Good | ||
| US7356516B2 | 0.530 | Method and system for facilitating electronic dispute resolution | GRANT | 2008-04-08 | 2002-06-13 | 29733163 | Good | Visa USA Inc | Visa USA Inc |
| US20040002878A1 | 0.530 | 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 |
| US6317783B1 | 0.530 | 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 |
| US20060080263A1 | 0.530 | Identity theft protection and notification system | APPLICATION | 2006-04-13 | 2004-10-13 | 36146588 | Good | ID ALARM Inc | ID ALARM Inc |
| US20100122333A1 | 0.529 | 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 |
| US20100205662A1 | 0.529 | 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 |
| US6963857B1 | 0.528 | Network-accessible account system | GRANT | 2005-11-08 | 1999-07-12 | 34748684 | Good | JSA Technologies | JSA Technologies |
| US8423463B1 | 0.528 | Personal financial manager with gift cards aggregation | GRANT | 2013-04-16 | 2010-03-24 | 48049251 | Good | Intuit Inc | Intuit Inc |
| US8392969B1 | 0.528 | 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 |
| US20070005508A1 | 0.528 | System and method for verifying personal identity on internet | APPLICATION | 2007-01-04 | 2005-06-21 | 37590890 | Good | Ite2 Tech Inc | Ite2 Tech Inc |
| US7415614B2 | 0.527 | 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 |
| US6574798B1 | 0.527 | System and controller for control and distribution of audio and video signals | GRANT | 2003-06-03 | 1999-02-03 | 4163259 | Good | Sasktel | Sasktel |
| US6714944B1 | 0.527 | System and method for authenticating and registering personal background data | GRANT | 2004-03-30 | 1999-11-30 | 26863794 | Good | VeriVita LLC | VeriVita LLC |
| EP1657944A1 | 0.527 | 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 |
| US7783515B1 | 0.526 | Itemized receipt tracking system | GRANT | 2010-08-24 | 2009-03-27 | 42583401 | Good | Bank of America Corp | Bank of America Corp |
| US6330551B1 | 0.526 | Computerized dispute resolution system and method | GRANT | 2001-12-11 | 1998-08-06 | 22443314 | Good | Cybersettle com Inc | CYBER$ETTLECOM Inc, CYBERSETTLE HOLDING Inc |
| US6892307B1 | 0.526 | 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 |
| US8498932B2 | 0.526 | 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 |
| US7565142B2 | 0.526 | 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 |
| US20100250411A1 | 0.525 | METHOD AND SYSTEM FOR CENTRALIZED IDENTITY AND ACCOUNT CONTROLS | APPLICATION | 2010-09-30 | 2009-03-30 | 42785437 | Good | ||
| US20010042785A1 | 0.525 | Method and apparatus for funds and credit line transfers | APPLICATION | 2001-11-22 | 1997-06-13 | 25363396 | Good | PayPal Inc | PayPal Inc |
| US7069240B2 | 0.525 | 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 |
| US20050267840A1 | 0.525 | 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 |
| US20080210752A1 | 0.525 | SYSTEM AND METHOD FOR TRANSFERRING FUNDS | APPLICATION | 2008-09-04 | 2000-06-06 | 22779332 | Good | UNIVERSAL TRANSACTIONS SYSTEMS Ltd | UNIVERSAL TRANSACTIONS SYSTEMS Ltd |
| US20040193891A1 | 0.525 | Integrity check value for WLAN pseudonym | APPLICATION | 2004-09-30 | 2003-03-31 | 32981741 | Good | Nokia Oyj | Nokia Solutions and Networks Oy |
| US7197560B2 | 0.525 | Communications system with fraud monitoring | GRANT | 2007-03-27 | 2001-03-20 | 27501179 | Good | MCI LLC | Verizon Patent and Licensing Inc |
| US6700961B1 | 0.525 | Prepaid calling with warning announcement | GRANT | 2004-03-02 | 2000-08-03 | 31716156 | Good | Nokia of America Corp | Nokia of America Corp |
| US5991411A | 0.524 | 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 |
| US20040158521A1 | 0.524 | Credit enhancement systems and methods | APPLICATION | 2004-08-12 | 2003-02-06 | 32824035 | Good | First Data Corp | Western Union Co |
| US7623844B2 | 0.524 | User authentication system and method | GRANT | 2009-11-24 | 2003-03-04 | 32962657 | Good | GameLogic Inc | Scientific Games Holdings Ltd |
| US7835990B2 | 0.524 | Privacy protection system and method | GRANT | 2010-11-16 | 2001-05-08 | 26965707 | Good | iPool Corp | iPool Corp |
| US6898574B1 | 0.523 | 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 |
| US8126456B2 | 0.523 | Mobile communication device monitoring systems and methods | GRANT | 2012-02-28 | 2007-01-17 | 39636362 | Good | eAgency Inc | eAgency Inc |
| US5995947A | 0.523 | Interactive mortgage and loan information and real-time trading system | GRANT | 1999-11-30 | 1997-09-12 | 25456425 | Good | IMX Mortgage Exchange | IMX Inc |
| 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 |
| US20060107064A1 | 0.522 | API for a system having a passcode authenticator | APPLICATION | 2006-05-18 | 2004-11-18 | 36387840 | Good | Biogy Inc | Biogy Inc |
| US20020013827A1 | 0.522 | Personal service environment management apparatus and methods | APPLICATION | 2002-01-31 | 2000-05-18 | 27394777 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US20060136595A1 | 0.522 | Network-based verification and fraud-prevention system | APPLICATION | 2006-06-22 | 1998-12-08 | 38092712 | Good | Yodlee com Inc | Yodlee com Inc |
| US20100145802A1 | 0.522 | Product Distribution Network | APPLICATION | 2010-06-10 | 2007-05-11 | 40549665 | Good | ||
| US7131144B2 | 0.522 | Methods and apparatus for protecting information | GRANT | 2006-10-31 | 1999-05-05 | 23181353 | Good | ShieldIP Inc | RPX Corp |
| US20060107312A1 | 0.521 | System for handing requests for access to a passcode protected entity | APPLICATION | 2006-05-18 | 2004-11-18 | 36387996 | Good | ||
| US20120046974A1 | 0.521 | Unemployment Insurance Underwriting System | APPLICATION | 2012-02-23 | 2010-08-23 | 45594784 | Good | Bank of America Corp | Bank of America Corp |
| US20060036543A1 | 0.521 | Creating groups of linked accounts | APPLICATION | 2006-02-16 | 1998-04-24 | 35801162 | Good | First Data Corp | First Data Corp |
| US8736615B2 | 0.521 | Customizing barcode images for particular displays | GRANT | 2014-05-27 | 2006-04-27 | 38656218 | Good | CodeBroker LLC | CodeBroker LLC |
| EP2187564A1 | 0.520 | VIRTUAL PRIVATE NETWORK CHARGING METHOD AND SYSTEM | GRANT | 2010-05-19 | 2008-01-17 | 39623751 | Good | Huawei Technologies Co Ltd | Huawei Technologies Co Ltd |
| US20050033988A1 | 0.520 | 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 |
| US7546266B2 | 0.520 | 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 |
| US8976943B2 | 0.520 | Voice phone-based method and system to authenticate users | GRANT | 2015-03-10 | 2008-08-28 | 41725449 | Good | eBay Inc | PayPal Inc |
| WO2010077989A1 | 0.520 | SYSTEM AND METHOD FOR AUTHORIZATION AND DISCLOSURE FOR BACKGROUND INFORMATION SEARCHES | APPLICATION | 2010-07-08 | 2008-12-16 | 42310153 | Good | ||
| US20040002916A1 | 0.519 | Systems and methods for managing balance transfer accounts | APPLICATION | 2004-01-01 | 2002-07-01 | 29779823 | Good | ||
| US20060107063A1 | 0.519 | Generating requests for access to a passcode protected entity | APPLICATION | 2006-05-18 | 2004-11-18 | 36387839 | Good | ||
| US20080059364A1 | 0.519 | Systems and methods for performing a financial trustworthiness assessment | APPLICATION | 2008-03-06 | 2006-09-01 | 39136846 | Good | First Data Corp | First Data Corp |
| US7379978B2 | 0.518 | 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 |
| US6302326B1 | 0.518 | Financial transaction processing system and method | GRANT | 2001-10-16 | 1996-06-10 | 27486858 | Good | Diebold Inc | Diebold Nixdorf Inc |
| US20060163347A1 | 0.518 | Customer enrollment in a stored value card program | APPLICATION | 2006-07-27 | 2003-10-14 | 46205602 | Good | Compucredit | CC SERVE Corp, COMPUCREDIT Corp |
| US6549770B1 | 0.518 | Over the air programming and/or service activation | GRANT | 2003-04-15 | 2000-05-26 | 24312955 | Good | Cellco Partnership | Cellco Partnership |
| US5537464A | 0.517 | 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 |
| US8219089B1 | 0.517 | 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 |
| US6154729A | 0.517 | Method of reporting merchant information to banks | GRANT | 2000-11-28 | 1998-06-19 | 22276365 | Good | First Data Corp | RELIANCE DATA LP |
| US7571473B1 | 0.517 | Identity management system and method | GRANT | 2009-08-04 | 2005-06-10 | 40910278 | Good | Sprint Communications Co LP | T Mobile Innovations LLC |
| US8229762B2 | 0.517 | System and method for cardiovascular testing | GRANT | 2012-07-24 | 2001-08-24 | 44261998 | Good | Biomedix Inc | Collaborative Care Diagnostics LLC |
| US8527357B1 | 0.517 | 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 |
| US20080126136A1 | 0.517 | 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 |
| US7853493B2 | 0.516 | Personal finance integration system and method | GRANT | 2010-12-14 | 2008-06-18 | 41432229 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20100258625A1 | 0.516 | Dynamic Card Verification Values and Credit Transactions | APPLICATION | 2010-10-14 | 2009-03-27 | 42814301 | Good | Intersections Inc | Intersections Inc |
| US20070233597A1 | 0.516 | LEAST COST NETWORK ROUTING FOR ELECTRONIC TRANSACTIONS | APPLICATION | 2007-10-04 | 2006-03-06 | 38475815 | Good | First Data Corp | First Data Corp |
| US20020095586A1 | 0.516 | Technique for continuous user authentication | APPLICATION | 2002-07-18 | 2001-01-17 | 25071899 | Good | International Business Machines Corp | International Business Machines 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 |
| US7343149B2 | 0.515 | Network support for credit card notification | GRANT | 2008-03-11 | 2005-06-13 | 37524681 | Good | Nokia of America Corp | Nokia of America Corp |
| US6199077B1 | 0.515 | Server-side web summary generation and presentation | GRANT | 2001-03-06 | 1998-12-08 | 23259897 | Good | Yodlee com Inc | Yodlee com Inc |
| US20060271457A1 | 0.514 | Identity theft monitoring and prevention | APPLICATION | 2006-11-30 | 2005-05-26 | 37464638 | Good | Efunds Corp | Efunds Corp |
| US8762243B2 | 0.514 | 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 |
| US20050177480A1 | 0.514 | Intelligent billing system | APPLICATION | 2005-08-11 | 2004-01-20 | 34826457 | Good | Silicon Valley Micro C Corp | Silicon Valley Micro C Corp |
| US6993572B2 | 0.514 | 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 |
| US7433836B1 | 0.513 | 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 |
| US6115690A | 0.513 | 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 |
| US5870721A | 0.513 | System and method for real time loan approval | GRANT | 1999-02-09 | 1993-08-27 | 22348148 | Good | Affinity Tech Group Inc | Decisioningcom Inc |
| US20070118754A1 | 0.512 | Time proof server terminal and time proving method | APPLICATION | 2007-05-24 | 2004-10-27 | 36227537 | Good | Mitsubishi Electric Corp | Mitsubishi Electric Corp |
| US20060085334A1 | 0.512 | Dynamic financial liability management | APPLICATION | 2006-04-20 | 2004-10-14 | 36181963 | Good | MoneyAbility Tech LLC | Pfm Solutions LLC |
| US20100299731A1 | 0.512 | Electronic System for Securing Electronic Services | APPLICATION | 2010-11-25 | 2006-03-08 | 36660674 | Good | Monitise Group Ltd | Fiserv Inc |
| US6308268B1 | 0.511 | 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 |
| US20050210267A1 | 0.511 | 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 |
| US20020055906A1 | 0.511 | 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 |
| US20090070148A1 | 0.511 | HEALTH CARE DATA MANAGEMENT | APPLICATION | 2009-03-12 | 2006-11-06 | 41797875 | Good | MLP Tech Inc | MLP Tech Inc |
| US20080269947A1 | 0.511 | Automated Vending of Products Containing Controlled Substances | APPLICATION | 2008-10-30 | 2007-04-25 | 39887965 | Good | Asteres Inc | Asteres Inc |
| US20040255127A1 | 0.511 | System and method of electronic signature verification | APPLICATION | 2004-12-16 | 2003-06-13 | 33511231 | Good | ||
| US6384844B1 | 0.510 | 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 |
| US20100258623A1 | 0.510 | FLAT CARD PRODUCTION SYSTEMS AND METHODS | APPLICATION | 2010-10-14 | 2009-04-14 | 42933566 | Good | First Data Corp | First Data Corp |
| US20080288786A1 | 0.510 | System with access keys | APPLICATION | 2008-11-20 | 2004-12-20 | 40028734 | Good | Biogy Inc | Biogy Inc |
| US20100217837A1 | 0.509 | 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 |
| US6769607B1 | 0.509 | Point of sale and display adapter for electronic transaction device | GRANT | 2004-08-03 | 1999-11-15 | 23749120 | Good | Mastercard Mobile Transaction Solutions Inc | Mastercard Mobile Transaction Solutions Inc |
| US20030221113A1 | 0.509 | 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 |
| US8131685B1 | 0.509 | Duplicate account identification and scoring | GRANT | 2012-03-06 | 2006-07-26 | 42184360 | Good | Google LLC | Google LLC |
| US20110178841A1 | 0.509 | 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 |
| US20060101508A1 | 0.509 | Identity verification system | APPLICATION | 2006-05-11 | 2004-06-09 | 35510094 | Good | Identifid LLC | Identifid LLC |
| US5745706A | 0.509 | Computer system and related equipment for spending and investment account management | GRANT | 1998-04-28 | 1994-12-30 | 23447452 | Good | ||
| US8175965B2 | 0.508 | 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 |
| US7900265B1 | 0.508 | Method and/or system to authorize access to stored data | GRANT | 2011-03-01 | 2005-09-09 | 37854067 | Good | NetApp Inc | NetApp Inc |
| US8271650B2 | 0.508 | Systems and method of identifying and managing abusive requests | GRANT | 2012-09-18 | 2009-08-25 | 46545004 | Good | Vizibility Inc | VIZIBILITY LLC |
| US6421729B1 | 0.508 | 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 |
| US7660771B2 | 0.508 | Express check conversion | GRANT | 2010-02-09 | 2003-10-30 | 34550997 | Good | Wells Fargo Bank NA | Wells Fargo Bank NA |
| US20070016518A1 | 0.507 | SYSTEM AND PROCESS FOR PROVIDING LOANS OR OTHER FINANCING INSTRUMENTS | APPLICATION | 2007-01-18 | 2005-07-12 | 37662815 | Good | Kestrel Wireless Inc | NXP BV |
| US6947989B2 | 0.507 | 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 |
| US20120036565A1 | 0.507 | PERSONAL DATA PROTECTION SUITE | APPLICATION | 2012-02-09 | 2010-04-05 | 45557068 | Good | White Sky Inc | White Sky Inc |
| US6725425B1 | 0.507 | 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 |
| US7296734B2 | 0.507 | 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 | ||
| US20060282374A1 | 0.507 | 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 |
| US8160624B2 | 0.506 | System and method for assigning a senderID | GRANT | 2012-04-17 | 2010-05-26 | 45022543 | Good | Intuit Inc | Intuit Inc |
| US7562382B2 | 0.506 | Specializing support for a federation relationship | GRANT | 2009-07-14 | 2004-12-16 | 36032172 | Good | International Business Machines Corp | International Business Machines Corp |
| US20070038568A1 | 0.506 | Fraud analyst smart cookie | APPLICATION | 2007-02-15 | 2004-09-17 | 38655836 | Good | Digital Envoy Inc | Digital Envoy Inc |
| US6606690B2 | 0.505 | 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 |
| US20060229996A1 | 0.505 | Consumer processing system and method | APPLICATION | 2006-10-12 | 2005-04-11 | 37084242 | Good | I4 Licensing LLC | 14 LICENSING LLC, PayPal Inc |
| US20070093234A1 | 0.505 | IDENTIFY THEFT PROTECTION AND NOTIFICATION SYSTEM | APPLICATION | 2007-04-26 | 2004-08-20 | 39467381 | Good | ||
| US8527596B2 | 0.505 | 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 |
| US20050197892A1 | 0.505 | 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 |
| US7085997B1 | 0.504 | Network-based bookmark management and web-summary system | GRANT | 2006-08-01 | 1998-12-08 | 34987758 | Good | Yodlee com Inc | Yodlee com Inc |
| US5802498A | 0.504 | Computer-aided prepaid transmittal charge billing system | GRANT | 1998-09-01 | 1996-01-11 | 27170761 | Good | ||
| US20090055292A1 | 0.504 | 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 |
| US8086525B2 | 0.504 | 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 |
| US9690820B1 | 0.503 | 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 |
| US6597774B1 | 0.503 | System and method for providing an alert during communications | GRANT | 2003-07-22 | 2000-06-13 | 24375477 | Good | Nortel Networks Ltd | Avaya Inc |
| US20040093278A1 | 0.503 | Computerized dispute resolution system and method | APPLICATION | 2004-05-13 | 1998-08-06 | 36146529 | Good | CYBERSETTLE HOLDING Inc | CYBERSETTLE HOLDING Inc |
| US8249968B1 | 0.502 | 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 |
| US8005756B2 | 0.502 | 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 |
| US8185472B1 | 0.502 | Enrollment into an online banking system | GRANT | 2012-05-22 | 2008-06-18 | 46061345 | Good | Bank of America Corp | Bank of America Corp |
| US6781608B1 | 0.502 | Gradual image display | GRANT | 2004-08-24 | 2000-06-30 | 32871512 | Good | America Online Inc | Facebook Inc |
| US6208998B1 | 0.502 | On-line directory service through the internet | GRANT | 2001-03-27 | 1998-12-08 | 22770354 | Good | InfoSpace Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US7962410B2 | 0.502 | 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 |
| US7610229B1 | 0.501 | 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 |
| US7058817B1 | 0.501 | 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 |
| US20010029482A1 | 0.501 | 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 |
| US6341272B1 | 0.501 | Business service platform network and system | GRANT | 2002-01-22 | 1995-03-08 | 23586182 | Good | Huntington Bancshares Inc | DataTreasury Corp |
| US8290840B2 | 0.501 | 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 |
| US20030018578A1 | 0.500 | Product registration using an electronically read serial number | APPLICATION | 2003-01-23 | 2000-02-03 | 46280650 | Good | Afterbot Inc | Afterbot Inc |
| US20030220871A1 | 0.500 | Customizable electronic bill presentment and payment system and method | APPLICATION | 2003-11-27 | 2002-05-22 | 29548604 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US8355966B1 | 0.500 | Payroll e-file and e-pay assistant | GRANT | 2013-01-15 | 2010-02-26 | 47470991 | Good | Intuit Inc | Intuit Inc |
| US20060129481A1 | 0.500 | 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 |
| US8472946B2 | 0.500 | 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 |
| US7502454B2 | 0.499 | Method of accounting prepaid online internet service credit values | GRANT | 2009-03-10 | 2002-05-30 | 29582632 | Good | Slingshot Communications Inc | Qualcomm Inc |
| US20030097342A1 | 0.499 | Method for verifying employment data | APPLICATION | 2003-05-22 | 2000-01-24 | 23948941 | Good | TALX Corp | TALX Corp |
| US20030229779A1 | 0.499 | Security gateway for online console-based gaming | APPLICATION | 2003-12-11 | 2002-06-10 | 29583823 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8548832B2 | 0.499 | Business process automation in a health plan organization | GRANT | 2013-10-01 | 2007-09-18 | 40455535 | Good | IkaSystems Corp | IkaSystems Corp |
| US20050086126A1 | 0.498 | Network account linking | APPLICATION | 2005-04-21 | 2003-10-20 | 34521522 | Good | Sony Interactive Entertainment America LLC | Sony Interactive Entertainment LLC |
| US9569797B1 | 0.498 | Systems and methods of presenting simulated credit score information | GRANT | 2017-02-14 | 2002-05-30 | 57965091 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20080179390A1 | 0.498 | Anti-counterfeiting system and method for conducting retail analysis | APPLICATION | 2008-07-31 | 2007-01-25 | 39666818 | Good | Lokesh Prem HARJANI | Lokesh Prem HARJANI |
| US8374960B2 | 0.498 | Prepaid transaction tracking | GRANT | 2013-02-12 | 2002-10-29 | 32107310 | Good | Verizon Business Global LLC | Global Tel*Link Corp |
| US8347364B2 | 0.497 | 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 |
| US20090187607A1 | 0.497 | SYSTEM AND METHOD FOR PROFILE SYNCHRONIZATION | APPLICATION | 2009-07-23 | 2008-01-22 | 40612852 | Good | Samsung Electronics Co Ltd | Samsung Electronics Co Ltd |
| US20060053296A1 | 0.497 | 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 |
| US20100125521A1 | 0.497 | 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 |
| US6412073B1 | 0.497 | 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 |
| US5926754A | 0.496 | Directory assistance call processing systems and related methods | GRANT | 1999-07-20 | 1995-12-21 | 33132378 | Good | AT&T Corp | AT&T Corp |
| US8255298B1 | 0.496 | Method and apparatus for managing alerts | GRANT | 2012-08-28 | 2005-10-27 | 43617376 | Good | Intuit Inc | Intuit Inc |
| US20080307223A1 | 0.496 | 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 |
| US7584127B2 | 0.496 | Methods and apparatus for updating credit bureau data | GRANT | 2009-09-01 | 2005-03-11 | 36972210 | Good | ||
| US6532282B1 | 0.496 | Method and system for accumulating call prepayment | GRANT | 2003-03-11 | 1998-02-06 | 10826639 | Good | Orange Personal Communications Services Ltd | Orange SA |
| US6718313B1 | 0.496 | 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 |
| US20050102180A1 | 0.496 | 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 |
| US20060107065A1 | 0.496 | System that generates access keys | APPLICATION | 2006-05-18 | 2004-11-18 | 46322044 | Good | ||
| US8171471B1 | 0.496 | Method and system for performing initial data setup of an application | GRANT | 2012-05-01 | 2007-08-02 | 45990980 | Good | Intuit Inc | Intuit Inc |
| US7530097B2 | 0.495 | 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 |
| US20090172795A1 | 0.495 | SECURE SINGLE-SIGN-ON PORTAL SYSTEM | APPLICATION | 2009-07-02 | 2007-08-02 | 40304930 | Good | Deluxe Corp | Deluxe Corp |
| US6847708B1 | 0.495 | 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 |
| US7065566B2 | 0.495 | 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 |
| US6408282B1 | 0.495 | 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 |
| US6105007A | 0.495 | Automatic financial account processing system | GRANT | 2000-08-15 | 1993-08-27 | 26810799 | Good | Affinity Tech Group Inc | Decisioningcom Inc |
| US20060282373A1 | 0.495 | 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 |
| US8069407B1 | 0.494 | 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 |
| US20020010635A1 | 0.494 | Method of electronic commerce and profile converter used for electronic commerce | APPLICATION | 2002-01-24 | 2000-07-19 | 18713606 | Good | Fujitsu Ltd | Fujitsu Ltd |
| US8244848B1 | 0.493 | Integrated social network environment | GRANT | 2012-08-14 | 2010-04-19 | 46613606 | Good | Facebook Inc | Facebook Inc |
| US7239862B1 | 0.493 | Method of and system for processing prepaid wireless data communications | GRANT | 2007-07-03 | 2002-09-19 | 38196878 | Good | Cellco Partnership | Cellco Partnership |
| US20030203731A1 | 0.493 | Cellular telephone and method of displaying account information | APPLICATION | 2003-10-30 | 2002-04-29 | 29406748 | Good | Lavaflow LLP | Lavaflow LLP |
| US7383225B2 | 0.493 | Module for the interconnectivity of independent software applications | GRANT | 2008-06-03 | 2000-04-04 | 22717359 | Good | Oracle International Corp | Oracle International Corp |
| US20110258001A1 | 0.492 | 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 |
| US20020088853A1 | 0.492 | Service ticket issuing system and service ticket issuing service | APPLICATION | 2002-07-11 | 2000-09-30 | 26603493 | Good | Sega Corp | Sega Corp |
| US20030061104A1 | 0.492 | Internet based warranty and repair service | APPLICATION | 2003-03-27 | 2000-03-16 | 24096991 | Good | CONXIA Inc | KENSINGTON INVESTMENTS Inc |
| US7773585B2 | 0.492 | 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 |
| US20040123113A1 | 0.491 | 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 | ||
| US20080162383A1 | 0.491 | 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 |
| US20020143943A1 | 0.491 | Support for multiple data stores | APPLICATION | 2002-10-03 | 2000-12-22 | 27401106 | Good | Oblix Inc | Oracle International Corp |
| US7734047B2 | 0.491 | 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 |
| US6839690B1 | 0.490 | System for conducting business over the internet | GRANT | 2005-01-04 | 2000-04-11 | 24184106 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US20100211636A1 | 0.489 | 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 |
| US20060107068A1 | 0.489 | Method of generating access keys | APPLICATION | 2006-05-18 | 2004-11-18 | 46322005 | Good | Biogy Inc | Biogy Inc |
| US7229006B2 | 0.489 | 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 |
| US20080031447A1 | 0.489 | SYSTEMS AND METHODS FOR AGGREGATION OF ACCESS TO NETWORK PRODUCTS AND SERVICES | APPLICATION | 2008-02-07 | 2006-08-04 | 39029201 | Good | ||
| US20090094675A1 | 0.489 | SYSTEM AND PROGRAM PRODUCT FOR AUTOMATICALLY MANAGING INFORMATION PRIVACY | APPLICATION | 2009-04-09 | 2002-11-05 | 32175828 | Good | Daedalus Blue LLC | Daedalus Blue LLC |
| US20040006699A1 | 0.489 | Secure token access distributed database system | APPLICATION | 2004-01-08 | 2002-02-12 | 30002879 | Good | Semtek Innovative Solutions Corp | Verifone Inc |
| US20090319648A1 | 0.488 | Branded Advertising Based Dynamic Experience Generator | APPLICATION | 2009-12-24 | 2008-06-24 | 41432392 | Good | MOBILE TRIBE LLC | MOBILE TRIBE LLC |
| US6119103A | 0.488 | Financial risk prediction systems and methods therefor | GRANT | 2000-09-12 | 1997-05-27 | 25341538 | Good | Visa International Service Association | Visa International Service Association |
| US7836197B2 | 0.487 | Personalized account migration system and method | GRANT | 2010-11-16 | 2000-11-27 | 36462178 | Good | Esaya com Inc | Microsoft Technology Licensing LLC |
| US6842782B1 | 0.487 | 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 |
| US7246740B2 | 0.487 | Suspicious persons database | GRANT | 2007-07-24 | 2003-04-03 | 33493176 | Good | First Data Corp | First Data Corp |
| US7584126B1 | 0.487 | 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 |
| US7707271B2 | 0.487 | Delivering personalized content data via local network | GRANT | 2010-04-27 | 2001-04-19 | 8181904 | Good | British Telecommunications PLC | British Telecommunications PLC |
| EP2088743A1 | 0.487 | Digital file locker | GRANT | 2009-08-12 | 2008-02-11 | 40070759 | Good | Accenture Global Services GmbH | Accenture Global Services Ltd |
| US10796392B1 | 0.487 | Systems and methods for facilitating booking bonding and release | GRANT | 2020-10-06 | 2007-05-22 | 72664036 | Good | Securus Technologies LLC | Securus Technologies LLC |
| US20130067508A1 | 0.487 | CONTROLLING ACCESS OF A USER TO MEDIA CONTENT | APPLICATION | 2013-03-14 | 2010-05-25 | 44509918 | Good | Koninklijke Philips NV | TP Vision Holding BV |
| US7200804B1 | 0.487 | 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 |
| US20100257234A1 | 0.486 | METHOD AND APPARATUS FOR PROVIDING CONTENT TO MOBILE RECIPIENTS | APPLICATION | 2010-10-07 | 2009-04-03 | 42827078 | Good | ||
| US9710852B1 | 0.486 | Credit report timeline user interface | GRANT | 2017-07-18 | 2002-05-30 | 59296426 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20050154664A1 | 0.486 | Credit and financial information and management system | APPLICATION | 2005-07-14 | 2000-08-22 | 34738922 | Good | Transunion Interactive Inc | Transunion Interactive Inc |
| US5893077A | 0.486 | 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 |
| US7937323B2 | 0.486 | 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 |
| US7155725B1 | 0.485 | 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 |
| US20060107309A1 | 0.485 | Using an access key | APPLICATION | 2006-05-18 | 2004-11-18 | 46322014 | Good | Biogy Inc | Biogy Inc |
| US20070130347A1 | 0.485 | 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 |
| US20040190694A1 | 0.485 | Power and telecommunications access vending machine | APPLICATION | 2004-09-30 | 1997-02-06 | 26853232 | Good | PowerOasis Inc | PowerOasis Inc |
| US7792716B2 | 0.484 | 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 |
| US7801828B2 | 0.484 | 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 |
| US6990591B1 | 0.484 | 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 |
| US8036961B2 | 0.483 | Dynamically managing timesheet data associated with multiple billing types | GRANT | 2011-10-11 | 2006-05-31 | 38791497 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| EP1897051A2 | 0.483 | 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 |
| US8355935B2 | 0.483 | Third party information transfer | GRANT | 2013-01-15 | 2010-08-31 | 45698367 | Good | Intuit Inc | Intuit Inc |
| US20020032647A1 | 0.483 | 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 |
| US6278993B1 | 0.483 | 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 |
| US7571322B2 | 0.482 | Enhanced cookie management | GRANT | 2009-08-04 | 2004-08-10 | 35801387 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US7315837B2 | 0.482 | Communication interface for a financial modeling and counseling system | GRANT | 2008-01-01 | 1999-11-01 | 25458368 | Good | Accenture LLP | Accenture Global Services Ltd |
| US5317636A | 0.482 | Method and apparatus for securing credit card transactions | GRANT | 1994-05-31 | 1992-12-09 | 25534094 | Good | Arris Group Inc | Arris Enterprises LLC |
| US20110082733A1 | 0.482 | 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 |
| US20040106433A1 | 0.482 | Method and system for wireless LAN communication | APPLICATION | 2004-06-03 | 2002-11-29 | 32376107 | Good | NEC Platforms Ltd | NEC Corp |
| US7747521B2 | 0.481 | 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 |
| US20060107040A1 | 0.481 | Setting up a security access system | APPLICATION | 2006-05-18 | 2004-11-18 | 46322029 | Good | Biogy Inc | Biogy Inc |
| US20020042715A1 | 0.481 | Mobile call detail record separation for billing purposes | APPLICATION | 2002-04-11 | 2000-06-28 | 22800723 | Good | Sunward Technologies Inc | Sunward Technologies Inc |
| US7552089B2 | 0.481 | 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 |
| US20060107041A1 | 0.481 | Assembling a security access system | APPLICATION | 2006-05-18 | 2004-11-18 | 46322027 | Good | Biogy Inc | Biogy Inc |
| WO2006069199A2 | 0.480 | PERSONAL CREDIT MANAGEMENT AND MONITORING SYSTEM AND METHOD | APPLICATION | 2006-06-29 | 2004-12-20 | 36602308 | Good | ||
| US7302272B2 | 0.480 | Cell phone parental control | GRANT | 2007-11-27 | 2003-09-26 | 34392898 | Good | Disney Enterprises Inc | Disney Enterprises Inc |
| US8204788B1 | 0.480 | Online car buying | GRANT | 2012-06-19 | 2007-11-05 | 46209606 | Good | United Services Automobile Association USAA | United Services Automobile Association USAA |
| US20030163418A1 | 0.480 | Third party real-time multi-payment and remittance system | APPLICATION | 2003-08-28 | 2002-02-27 | 27742282 | Good | ||
| US20060240809A1 | 0.480 | 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 |
| US20020120581A1 | 0.479 | Reply based electronic mail transactions | APPLICATION | 2002-08-29 | 2001-02-26 | 25158457 | Good | ePrivacy Group Inc | ePrivacy Group Inc |
| US20040243839A1 | 0.479 | Method and apparatus to facilitate security-enabled content caching | APPLICATION | 2004-12-02 | 2003-05-29 | 33451709 | Good | Oracle International Corp | Oracle International Corp |
| US7792903B2 | 0.479 | 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 |
| US20020198806A1 | 0.478 | 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 |
| US6993596B2 | 0.478 | 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 |
| US20110072039A1 | 0.478 | SYSTEMS METHODS AND SOFTWARE APPLICATIONS FOR PROVIDING AN IDENTITY AND AGE-APPROPRIATE VERIFICATION REGISTRY | APPLICATION | 2011-03-24 | 2009-09-22 | 43757528 | Good | ||
| US20090157693A1 | 0.478 | DYNAMIC SOCIAL NETWORK SYSTEM | APPLICATION | 2009-06-18 | 2007-12-17 | 40751904 | Good | Smooth Productions Inc | Smooth Productions Inc |
| US20080263638A1 | 0.478 | AUTHORIZATION FOR ACCESS TO WEB SERVICE RESOURCES | APPLICATION | 2008-10-23 | 2007-04-20 | 39873558 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6526273B1 | 0.477 | 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 |
| US20110060673A1 | 0.477 | 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 |
| US7653592B1 | 0.477 | System and method for processing a loan | GRANT | 2010-01-26 | 2003-12-01 | 41559846 | Good | Fannie Mae Inc | Fannie Mae Inc |
| US20090064297A1 | 0.477 | SECURE CREDENTIALS CONTROL METHOD | APPLICATION | 2009-03-05 | 2007-08-30 | 40409671 | Good | Baimmt LLC | Baimmt LLC |
| US6227447B1 | 0.477 | Cardless payment system | GRANT | 2001-05-08 | 1999-05-10 | 23190416 | Good | First USA Bank NA | JPMorgan Chase Bank NA |
| US20060107315A1 | 0.477 | System that uses access keys | APPLICATION | 2006-05-18 | 2004-11-18 | 36387826 | Good | Biogy Inc | Biogy Inc |
| US20010044756A1 | 0.476 | 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 |
| US20120240223A1 | 0.476 | 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 |
| US6311169B2 | 0.476 | On-line consumer credit data reporting system | GRANT | 2001-10-30 | 1998-06-11 | 22253553 | Good | Consumer Credit Assoc Inc | Consumer Credit Assoc Inc |
| US6386444B1 | 0.476 | 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 |
| US5842211A | 0.475 | 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 |
| US20020052798A1 | 0.475 | Service system | APPLICATION | 2002-05-02 | 2000-11-02 | 18815317 | Good | Hitachi Ltd | Hitachi Ltd |
| US20080141346A1 | 0.474 | Mail server coordination activities using message metadata | APPLICATION | 2008-06-12 | 2006-12-11 | 39499902 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6477565B1 | 0.474 | 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 |
| US7386477B2 | 0.474 | 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 |
| US8353027B2 | 0.473 | System and method for enhanced protection and control over the use of identity | GRANT | 2013-01-08 | 2005-04-27 | 37215195 | Good | ||
| US5930764A | 0.473 | Sales and marketing support system using a customer information database | GRANT | 1999-07-27 | 1995-10-17 | 24170756 | Good | Citibank NA | Citibank NA |
| US20040062213A1 | 0.473 | Location-based web browsing | APPLICATION | 2004-04-01 | 1998-06-29 | 32028556 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20040024671A1 | 0.473 | Synthetic funds having structured notes | APPLICATION | 2004-02-05 | 2002-08-02 | 31191344 | Good | Bank One Delaware NA | JPMorgan Chase Bank NA |
| US8064877B2 | 0.473 | 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 |
| US7092905B2 | 0.472 | Systems and methods for the processing of financial transactions | GRANT | 2006-08-15 | 2000-11-21 | 26942156 | Good | Citibank NA | Citibank NA |
| US7877402B1 | 0.472 | 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 |
| US5950172A | 0.472 | Secured electronic rating system | GRANT | 1999-09-07 | 1996-06-07 | 24746829 | Good | ||
| US20110161218A1 | 0.472 | CREDIT REPORTING INTERFACE | APPLICATION | 2011-06-30 | 2009-09-22 | 44188645 | Good | Cortera Inc | Cortera Inc |
| US20130013533A1 | 0.472 | 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 |
| US8135831B2 | 0.472 | 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 |
| US20130054393A1 | 0.472 | 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 |
| US20050027624A1 | 0.472 | Supplementary prepaid account for postpaid service subscribers | APPLICATION | 2005-02-03 | 2003-07-28 | 34103433 | Good | Nokia of America Corp | Nokia of America Corp |
| US5813006A | 0.471 | On-line directory service with registration system | GRANT | 1998-09-22 | 1996-05-06 | 24582039 | Good | Banyan Systems Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US5819234A | 0.471 | Toll collection system | GRANT | 1998-10-06 | 1996-07-29 | 24736453 | Good | Chase Manhattan Bank NA | JPMorgan Chase Bank NA |
| US20060074986A1 | 0.471 | 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 |
| US8566187B2 | 0.471 | Interactive account management system and method | GRANT | 2013-10-22 | 2007-12-07 | 45931483 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20050125350A1 | 0.470 | 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 |
| US20100043055A1 | 0.470 | METHODS AND SYSTEMS FOR ONLINE FRAUD PROTECTION | APPLICATION | 2010-02-18 | 2008-08-12 | 41669660 | Good | First Data Corp | First Data Corp |
| US20080133657A1 | 0.470 | KARMA SYSTEM | APPLICATION | 2008-06-05 | 2006-11-30 | 39531308 | Good | Red Hat Inc | Red Hat Inc |
| US8627420B2 | 0.470 | 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 |
| US8271899B1 | 0.470 | 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 |
| US8578496B1 | 0.470 | Method and apparatus for detecting legitimate computer operation misrepresentation | GRANT | 2013-11-05 | 2009-12-29 | 49488040 | Good | Symantec Corp | NortonLifeLock Inc |
| US20110184780A1 | 0.469 | INTEGRATION OF eCOMMERCE FEATURES INTO SOCIAL NETWORKING PLATFORM | APPLICATION | 2011-07-28 | 2010-01-21 | 44309655 | Good | eBay Inc | PayPal Inc |
| US5878403A | 0.469 | Computer implemented automated credit application analysis and decision routing system | GRANT | 1999-03-02 | 1995-09-12 | 24098752 | Good | CMSI | DealerTrack Inc, CMSI |
| US7181418B1 | 0.469 | Internet customer service method and system | GRANT | 2007-02-20 | 1999-11-30 | 37745100 | Good | Ford Motor Co | Ford Motor Co |
| US5440621A | 0.469 | 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 |
| US5881131A | 0.469 | 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 |
| US20020035479A1 | 0.469 | 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 |
| US8456293B1 | 0.469 | Providing electronic content based on sensor data | GRANT | 2013-06-04 | 2007-10-22 | 48484293 | Good | Alarm com Inc | Alarm com Inc |
| US20060173775A1 | 0.469 | 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 |
| US20130073457A1 | 0.469 | AGENT ACCESS PORTAL TO MONEY TRANSFER SYSTEM | APPLICATION | 2013-03-21 | 2008-10-16 | 42109410 | Good | MoneyGram International Inc | MoneyGram International Inc |
| US20070293191A1 | 0.468 | 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 |
| US20090150170A1 | 0.468 | Method and apparatus for fraud reduction and product recovery | APPLICATION | 2009-06-11 | 2007-12-11 | 40722547 | Good | Nintendo of America Inc | E2interactive Inc |
| US20080052224A1 | 0.468 | METHOD FOR GUARANTEEING A PEER-TO-PEER LOAN | APPLICATION | 2008-02-28 | 2006-08-24 | 39197857 | Good | PeerFunds Inc | PeerFunds Inc |
| US5793972A | 0.468 | 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 |
| US20040243508A1 | 0.468 | 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 |
| US20120015717A1 | 0.468 | ONLINE GAME REWARDS FOR ONLINE PURCHASES | APPLICATION | 2012-01-19 | 2010-06-16 | 45329149 | Good | Zynga Inc | Zynga Inc |
| US10079825B2 | 0.468 | Method and apparatus for authenticating RFID tags | GRANT | 2018-09-18 | 2009-08-01 | 43526445 | Good | RFMicron Inc | RFMicron Inc |
| US20080033956A1 | 0.468 | 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 |
| US7228335B2 | 0.467 | 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 |
| US7076462B1 | 0.467 | 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 |
| US20020111816A1 | 0.467 | System and method for managing consumer information | APPLICATION | 2002-08-15 | 2001-02-13 | 25121991 | Good | Capital One Financial Corp | Capital One Services LLC |
| US20090158030A1 | 0.467 | Doing business without SSN EIN and charge card numbers | APPLICATION | 2009-06-18 | 2007-12-14 | 40754838 | Good | ||
| US20100030578A1 | 0.466 | SYSTEM AND METHOD FOR COLLABORATIVE SHOPPING BUSINESS AND ENTERTAINMENT | APPLICATION | 2010-02-04 | 2008-03-21 | 40639960 | Good | DRESSBOT Inc | DRESSBOT Inc |
| US20040015714A1 | 0.466 | 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 |
| US20100145836A1 | 0.466 | SYSTEM AND METHOD OF DETECTING FRAUD | APPLICATION | 2010-06-10 | 2005-10-04 | 37684426 | Good | Basepoint Analytics LLC | CoreLogic Information Solutions Inc |
| US20090018986A1 | 0.466 | Systems and methods for integrating educational software systems | APPLICATION | 2009-01-15 | 2007-07-09 | 40228883 | Good | Blackboard Inc | Blackboard Inc |
| US20050105719A1 | 0.466 | Personal information control and processing | APPLICATION | 2005-05-19 | 2003-10-30 | 34567041 | Good | International Business Machines Corp | International Business Machines Corp |
| US20080162338A1 | 0.466 | 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 |
| US6760418B1 | 0.466 | 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 |
| US20070240206A1 | 0.466 | INTERSYSTEM SINGLE SIGN-ON | APPLICATION | 2007-10-11 | 2006-03-22 | 37003055 | Good | Alibaba com Ltd | Advanced New Technologies Co Ltd |
| US6457012B1 | 0.465 | 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 |
| US20110320582A1 | 0.465 | ONLINE PRESENCE MANAGEMENT SYSTEM | APPLICATION | 2011-12-29 | 2010-06-23 | 45353576 | Good | ||
| US20080177655A1 | 0.465 | SYSTEMS AND METHODS OF UNDERWRITING BUSINESS CREDIT | APPLICATION | 2008-07-24 | 2007-01-23 | 39642202 | Good | ||
| US8359278B2 | 0.465 | Identity protection | GRANT | 2013-01-22 | 2006-10-25 | 39331402 | Good | IndentityTruth Inc | IndentityTruth Inc, Csidentity Corp |
| US20050256766A1 | 0.465 | 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 |
| US7050989B1 | 0.465 | 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 |
| US7475032B1 | 0.465 | Systems and methods for creating financial advice applications | GRANT | 2009-01-06 | 1999-11-16 | 22600045 | Good | Ameriprise Financial Inc | Ameriprise Financial Inc |
| US20110148625A1 | 0.464 | 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 |
| US20060080235A1 | 0.464 | On-line registration method for registration of employees by representative of employing organization | APPLICATION | 2006-04-13 | 2000-10-27 | 18809604 | Good | ||
| US20080120155A1 | 0.464 | SYSTEMS AND METHODS FOR DISTRIBUTING TARGETED INCENTIVES TO FINANCIAL INSTITUTION CUSTOMERS | APPLICATION | 2008-05-22 | 1998-04-27 | 40973466 | Good | ||
| US7715832B2 | 0.464 | 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 |
| US7490356B2 | 0.464 | End user risk management | GRANT | 2009-02-10 | 2004-07-20 | 35414786 | Good | Reflectent Software Inc | Citrix Systems Inc |
| US20050283414A1 | 0.464 | Remote system management | APPLICATION | 2005-12-22 | 2004-06-17 | 35481786 | Good | Chromavision Medical Systems Inc | Carl Zeiss Microscopy GmbH |
| US7099651B2 | 0.463 | 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 |
| US5768384A | 0.463 | System for identifying authenticating and tracking manufactured articles | GRANT | 1998-06-16 | 1996-03-28 | 24496687 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US20070022141A1 | 0.463 | 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 |
| US6782120B2 | 0.463 | 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 |
| US8819140B2 | 0.463 | 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 |
| 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 |
| US20040167791A1 | 0.462 | Processing transactions | APPLICATION | 2004-08-26 | 2001-03-30 | 9911935 | Good | Nokia Oyj | Nokia Oyj |
| US20050192008A1 | 0.462 | System and method for selective information exchange | APPLICATION | 2005-09-01 | 1999-03-31 | 34891040 | Good | ||
| US7630932B2 | 0.462 | Loan rate and lending information analysis system | GRANT | 2009-12-08 | 2002-01-31 | 33568663 | Good | Transunion Interactive Inc | Transunion Interactive Inc |
| US6006264A | 0.462 | 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 |
| US8037506B2 | 0.461 | Movie studio-based network distribution system and method | GRANT | 2011-10-11 | 2006-03-03 | 38475667 | Good | Verimatrix Inc | Verimatrix Inc |
| US20100228658A1 | 0.461 | SYSTEM AND METHOD FOR CREDIT REPORTING | APPLICATION | 2010-09-09 | 2009-03-06 | 42679086 | Good | Clarity Services Inc | Clarity Services Inc |
| US20090047992A1 | 0.461 | ELECTRONIC WIRELESS HAND HELD MULTIMEDIA DEVICE | APPLICATION | 2009-02-19 | 2000-06-27 | 26908898 | Good | Mesa Digital LLC | Mesa Digital LLC |
| US20070094080A1 | 0.461 | Smart shopping method and system | APPLICATION | 2007-04-26 | 2005-10-21 | 37986403 | Good | CoalitionWorks LLC | CoalitionWorks LLC |
| US7779072B2 | 0.461 | SIP-based feature control | GRANT | 2010-08-17 | 1999-11-08 | 23733849 | Good | Verizon Business Global LLC | Verizon Patent and Licensing Inc |
| US7187928B1 | 0.461 | Call delivery systems for roaming prepaid subscribers | GRANT | 2007-03-06 | 1998-11-24 | 37807223 | Good | Boston Communications Group Inc | Xius Holding Corp |
| US20110178899A1 | 0.461 | BORROWING AND LENDING PLATFORM AND METHOD | APPLICATION | 2011-07-21 | 2008-09-25 | 42060407 | Good | HARELAY LLC | HARELAY LLC, HARCLAY LLC |
| US20040015715A1 | 0.461 | 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 |
| US8078516B1 | 0.461 | Method and system for managing financial data | GRANT | 2011-12-13 | 2008-06-17 | 45092765 | Good | Intuit Inc | Intuit Inc |
| US7844520B1 | 0.461 | 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 |
| US8099298B2 | 0.461 | Genetic data analysis and database tools | GRANT | 2012-01-17 | 2007-02-14 | 40524043 | Good | Genelex Corp | Invitae Corp |
| US7409369B1 | 0.461 | 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 |
| US20110083181A1 | 0.460 | COMPREHENSIVE PASSWORD MANAGEMENT ARRANGMENT FACILITATING SECURITY | APPLICATION | 2011-04-07 | 2009-10-01 | 43824171 | Good | Kaspersky Lab AO | Kaspersky Lab AO |
| EP0809387A2 | 0.460 | System amd method for pricing telecommunication transactions | GRANT | 1997-11-26 | 1996-05-21 | 24611552 | Good | AT&T Corp | AT&T Corp |
| US7917754B1 | 0.460 | 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 |
| US20100188684A1 | 0.460 | 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 |
| US20060265323A1 | 0.459 | 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 |
| US7930252B2 | 0.459 | Method and system for sharing anonymous user information | GRANT | 2011-04-19 | 2000-10-24 | 22915801 | Good | Google LLC | Google LLC |
| US20060167985A1 | 0.458 | Network-distributed data routing | APPLICATION | 2006-07-27 | 2001-04-26 | 36462190 | Good | Avvenu Inc | Nokia Oyj |
| US20050160280A1 | 0.458 | 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 |
| US5754632A | 0.457 | Management of communications networks | GRANT | 1998-05-19 | 1993-03-31 | 8214368 | Good | British Telecommunications PLC | Azure Solutions Ltd |
| US8787164B2 | 0.457 | 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 |
| US8738730B2 | 0.457 | System and method for remotely controlling network resources | GRANT | 2014-05-27 | 2004-07-09 | 36146712 | Good | Qualcomm Inc | Qualcomm Inc, Qualcomm Atheros Inc |
| US6904408B1 | 0.457 | 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 | ||
| US9077766B2 | 0.457 | 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 |
| US20100185546A1 | 0.457 | PERSONAL DATA SUBSCRIBER SYSTEMS AND METHODS | APPLICATION | 2010-07-22 | 2009-01-20 | 42337701 | Good | Titanium Fire Ltd | TITANIUM FIRE Ltd EXECUTIVE PENSION SCHEME |
| US20050165638A1 | 0.457 | Cable system customized advertising | APPLICATION | 2005-07-28 | 2004-01-22 | 34794865 | Good | Buckeye Cablevision Inc | Buckeye Cablevision Inc |
| US8413239B2 | 0.456 | Web security via response injection | GRANT | 2013-04-02 | 2009-02-22 | 42632082 | Good | Zscaler Inc | Zscaler Inc |
| US20020194117A1 | 0.456 | Methods and systems for customer relationship management | APPLICATION | 2002-12-19 | 2001-04-06 | 25251739 | Good | General Electric Capital Corp | General Electric Co |
| US7940902B2 | 0.456 | 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 |
| US9990674B1 | 0.456 | Card registry systems and methods | GRANT | 2018-06-05 | 2007-12-14 | 62235147 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20060136524A1 | 0.456 | Method and device for backing up cookies | APPLICATION | 2006-06-22 | 2004-12-20 | 36597453 | Good | Claria Corp | Gula Consulting LLC |
| US20080288299A1 | 0.456 | 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 |
| US8402526B2 | 0.456 | 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 |
| US7849004B2 | 0.455 | 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 |
| US7383215B1 | 0.455 | Data center for account management | GRANT | 2008-06-03 | 2000-10-26 | 39466593 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US4736294A | 0.455 | 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 |
| US20080014869A1 | 0.455 | Data security device | APPLICATION | 2008-01-17 | 2001-07-18 | 38955178 | Good | Data Transfer and Communications Ltd | Data Transfer and Communications Ltd |
| US20090132312A1 | 0.454 | 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 |
| US6724748B1 | 0.454 | Intelligent network and packet data network interoperability | GRANT | 2004-04-20 | 1998-05-21 | 26774568 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US7640200B2 | 0.453 | Financial portfolio management system and method | GRANT | 2009-12-29 | 2000-07-10 | 42076538 | Good | ByAllAccounts Inc | Morningstar Inc |
| US7739191B2 | 0.453 | Method and system for transacting a purchase using a credit card from the seller | GRANT | 2010-06-15 | 1999-10-18 | 23664800 | Good | ||
| WO2001009792A2 | 0.453 | 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 | ||
| US8065367B1 | 0.452 | Method and apparatus for scheduling requests during presentations | GRANT | 2011-11-22 | 2007-07-31 | 44936896 | Good | Intuit Inc | Intuit Inc |
| US7689563B1 | 0.452 | 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 |
| US8224723B2 | 0.452 | 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 |
| US5274547A | 0.452 | System for generating and transmitting credit reports | GRANT | 1993-12-28 | 1991-01-03 | 24554423 | Good | Credco of Washington Inc | First Advantage Corp |
| WO2001039090A1 | 0.452 | INSURANCE MARKETING METHODS | APPLICATION | 2001-05-31 | 1999-11-26 | 27538763 | Good | ||
| US6128599A | 0.452 | Method and apparatus for processing customized group reward offers | GRANT | 2000-10-03 | 1997-10-09 | 25487354 | Good | Walker Asset Management LP | Groupon Inc |
| US20060218407A1 | 0.451 | Method of confirming the identity of a person | APPLICATION | 2006-09-28 | 2005-03-24 | 37036580 | Good | ||
| US9143545B1 | 0.451 | Device classification for media delivery | GRANT | 2015-09-22 | 2001-04-26 | 54107197 | Good | Nokia Oyj | Nokia Technologies Oy |
| US20100332399A1 | 0.451 | SYSTEM AND METHOD FOR PARTNER KEY MANAGEMENT | APPLICATION | 2010-12-30 | 2009-06-29 | 43381799 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20120072338A1 | 0.451 | Machine Program Product and Computer-Implemented Method to Construct a Person-To-Person Loan | APPLICATION | 2012-03-22 | 2010-02-26 | 45439279 | Good | ||
| US7593892B2 | 0.450 | Financial institution portal system and method | GRANT | 2009-09-22 | 2004-10-04 | 36148856 | Good | Standard Chartered PLC | Standard Chartered UK Holdings Ltd |
| US6999941B1 | 0.450 | 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 |
| US8127986B1 | 0.450 | Card registry systems and methods | GRANT | 2012-03-06 | 2007-12-14 | 45757856 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20110004498A1 | 0.449 | 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 |
| WO2010001406A1 | 0.449 | METHODS AND SYSTEMS FOR BRANDS SOCIAL NETWORKS (BSN) PLATFORM | APPLICATION | 2010-01-07 | 2008-07-04 | 40756210 | Good | ||
| US20080249869A1 | 0.449 | 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 |
| US20110161155A1 | 0.449 | SYSTEM AND METHOD FOR FACILITATING DEBT REDUCTION | APPLICATION | 2011-06-30 | 2009-12-30 | 44188618 | Good | GLOBAL PAYMENTS EXPERTS LLC | GLOBAL PAYMENTS EXPERTS LLC |
| US20010037204A1 | 0.449 | System and method for on line resolution of disputes | APPLICATION | 2001-11-01 | 2000-05-12 | 26899126 | Good | RESOLVEITNOWCOM | RESOLVEITNOWCOM |
| US20020099635A1 | 0.449 | Control of account utilization | APPLICATION | 2002-07-25 | 2001-01-24 | 26735649 | Good | ||
| US20110302122A1 | 0.448 | 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 |
| US7797644B1 | 0.448 | Method and system for inputting optional values into an input field | GRANT | 2010-09-14 | 2007-10-09 | 42711104 | Good | Intuit Inc | Intuit Inc |
| US20010029470A1 | 0.448 | Electronic transaction receipt system and method | APPLICATION | 2001-10-11 | 2000-02-03 | 27391221 | Good | Afterbot Inc | Afterbot Inc |
| US20090171723A1 | 0.447 | 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 |
| US7970701B2 | 0.447 | 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 |
| US20040220865A1 | 0.447 | Financial record processing system | APPLICATION | 2004-11-04 | 2003-03-17 | 33313347 | Good | Siemens Medical Solutions Health Services Corp | Siemens Medical Solutions USA Inc |
| US5918227A | 0.446 | 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 |
| US20060178983A1 | 0.446 | 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 |
| US20060253358A1 | 0.446 | 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 |
| US7546271B1 | 0.446 | 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 |
| US20050102226A1 | 0.445 | System and method of accounting for mortgage related transactions | APPLICATION | 2005-05-12 | 2002-12-30 | 34557270 | Good | ||
| US9654495B2 | 0.445 | System and method of analyzing web addresses | GRANT | 2017-05-16 | 2006-12-01 | 39477060 | Good | Websense LLC | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US8078986B1 | 0.445 | Method and system for a browser module | GRANT | 2011-12-13 | 2007-10-31 | 45092820 | Good | Intuit Inc | Intuit Inc |
| US7479949B2 | 0.444 | 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 |
| US7734637B2 | 0.444 | 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 |
| US7720750B2 | 0.444 | 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 |
| US20090254971A1 | 0.444 | SECURE DATA INTERCHANGE | APPLICATION | 2009-10-08 | 1999-10-27 | 41134470 | Good | Pinpoint Inc | Cria Inc, Pinpoint Inc |
| US20020016771A1 | 0.444 | 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 |
| US20050086176A1 | 0.443 | 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 |
| US10056392B2 | 0.443 | 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 |
| US20080195548A1 | 0.443 | 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 |
| US6829639B1 | 0.443 | 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 |
| US20030154122A1 | 0.442 | Consultancy scheduling billing and record keeping systems and methods | APPLICATION | 2003-08-14 | 2002-02-07 | 27659328 | Good | ||
| US20110264566A1 | 0.442 | Automated Accounting Method | APPLICATION | 2011-10-27 | 1994-09-28 | 23218056 | Good | NOAH Systems Inc | NOAH Systems Inc |
| US20080065774A1 | 0.442 | 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 |
| US20090024484A1 | 0.442 | SYSTEM AND METHOD FOR MANAGING CUSTOMIZED REWARD OFFERS | APPLICATION | 2009-01-22 | 1997-08-28 | 27025590 | Good | Walker Digital LLC | PayPal Inc |
| US8676684B2 | 0.441 | System and method for evaluating risk in fraud prevention | GRANT | 2014-03-18 | 2010-04-12 | 45527712 | Good | Iovation Inc | Iovation Inc |
| US6157707A | 0.441 | 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 |
| US9818157B2 | 0.441 | 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 |
| US7480631B1 | 0.441 | 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 |
| US6636803B1 | 0.441 | 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 |
| US20070295804A1 | 0.440 | Machine for checking all your bank transactions and process them into handheld electronic device | APPLICATION | 2007-12-27 | 2006-06-26 | 38872664 | Good | ||
| US20080255992A1 | 0.440 | 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 | ||
| US6304850B1 | 0.440 | 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 |
| US20030004855A1 | 0.440 | User rating system for online auctions | APPLICATION | 2003-01-02 | 2001-06-29 | 25403973 | Good | International Business Machines Corp | PayPal Inc |
| US5742769A | 0.440 | 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 |
| US20020174010A1 | 0.440 | 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 |
| US6792271B1 | 0.439 | 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 |
| US20080083021A1 | 0.439 | 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 |
| US7640209B1 | 0.439 | 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 |
| US9378282B2 | 0.438 | 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 |
| US7243075B1 | 0.438 | 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) |
| US7212999B2 | 0.437 | User interface for an electronic trading system | GRANT | 2007-05-01 | 1999-04-09 | 23112017 | Good | Trading Technologies International Inc | Trading Technologies International Inc |
| US20020198830A1 | 0.437 | 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 |
| US8370229B2 | 0.437 | 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 |
| US20090222527A1 | 0.437 | USEFUL DATA AND CONTENT FEEDS IN THE ENTERPRISE | APPLICATION | 2009-09-03 | 2008-03-03 | 41014012 | Good | Oracle International Corp | Oracle International Corp |
| US9213461B2 | 0.437 | Web-based real estate mapping system | GRANT | 2015-12-15 | 2004-06-16 | 35507186 | Good | Redfin Corp | Redfin Corp |
| US7254558B2 | 0.437 | Method and system for prioritizing debt collections | GRANT | 2007-08-07 | 2000-12-21 | 24999756 | Good | GE Corporate Financial Services Inc | General Electric Co |
| US20130125010A1 | 0.437 | 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 |
| US7222369B2 | 0.437 | Role-based portal to a workplace system | GRANT | 2007-05-22 | 2001-12-20 | 30772648 | Good | SAP SE | SAP SE |
| US20060259364A1 | 0.436 | 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 |
| US6928487B2 | 0.436 | 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 |
| US7797252B2 | 0.436 | Service plan product and associated system | GRANT | 2010-09-14 | 2006-10-20 | 39317995 | Good | Target Brands Inc | Target Brands Inc |
| US20120054088A1 | 0.436 | APPARATUS AND METHOD FOR SHORT TERM LOANS | APPLICATION | 2012-03-01 | 2010-08-25 | 45698454 | Good | SYMBIUS FINANCIAL Inc | SYMBIUS FINANCIAL Inc |
| US6496690B1 | 0.435 | 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 |
| US7865412B1 | 0.435 | Method and system for account tracking | GRANT | 2011-01-04 | 2007-05-31 | 43385054 | Good | Intuit Inc | Intuit Inc |
| US20040024717A1 | 0.435 | 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 |
| US8978140B2 | 0.435 | System and method of analyzing web content | GRANT | 2015-03-10 | 2006-07-10 | 38740351 | Good | Websense LLC | Forcepoint LLC, Forcepoint Federal Holdings 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 |
| US6098052A | 0.434 | Credit card collection strategy model | GRANT | 2000-08-01 | 1998-02-10 | 21804993 | Good | First USA Bank NA | JPMorgan Chase Bank NA |
| WO2004114160A2 | 0.434 | SYSTEMS AND PROCESSES FOR AUTOMATED CRITERIA AND ATTRIBUTE GENERATION SEARCHING AUDITING AND REPORTING OF DATA | APPLICATION | 2004-12-29 | 2003-06-13 | 33539090 | Good | ||
| US7801896B2 | 0.433 | Database access system | GRANT | 2010-09-21 | 1999-07-21 | 38225832 | Good | Alberti Anemometer LLC | Relativity Display LLC |
| US6517587B2 | 0.433 | 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 |
| US8290856B1 | 0.433 | 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 |
| US6701348B2 | 0.433 | 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 |
| US20080222706A1 | 0.433 | GLOBALLY AWARE AUTHENTICATION SYSTEM | APPLICATION | 2008-09-11 | 2007-03-06 | 39742981 | Good | COGNETO DEVELOPMENT Inc | COGNETO DEVELOPMENT Inc |
| US20110153402A1 | 0.432 | Methods and Apparatus for Credit Card Reward and Cost Management | APPLICATION | 2011-06-23 | 2009-12-23 | 44152386 | Good | NCR Corp | NCR Corp |
| US8458062B2 | 0.432 | Real-time product matching | GRANT | 2013-06-04 | 2006-08-11 | 39170968 | Good | Capital One Financial Corp | Capital One Services LLC |
| US20100214090A1 | 0.432 | 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 |
| US7249080B1 | 0.432 | Investment advice systems and methods | GRANT | 2007-07-24 | 1999-10-25 | 38266952 | Good | Upstream Technologies LLC | Upstream Technologies LLC, Fiserv Investment Solutions Inc |
| US20110010283A1 | 0.432 | E-CARD | APPLICATION | 2011-01-13 | 2009-07-09 | 43428231 | Good | ||
| US20080060069A1 | 0.432 | METHODS AND APPARATUS FOR DATA TRANSFER | APPLICATION | 2008-03-06 | 2005-08-12 | 39153622 | Good | Slingshot Communications Inc | Slingshot Communications Inc |
| US6285987B1 | 0.431 | Internet advertising system | GRANT | 2001-09-04 | 1997-01-22 | 25143080 | Good | Engage Inc | FLYCAST COMMUNICATIONS Corp (A DELAWARE CORPORATION), BEH Investments LLC |
| US20080172304A1 | 0.431 | 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 |
| US8060424B2 | 0.431 | 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 |
| US7571143B2 | 0.431 | Software pay-per-use pricing | GRANT | 2009-08-04 | 2002-01-15 | 21936248 | Good | Hewlett Packard Development Co LP | Hewlett Packard Enterprise Development LP |
| US7853436B2 | 0.430 | Method and system for tracking and reporting emissions | GRANT | 2010-12-14 | 2002-12-09 | 39739094 | Good | Verisae Inc | Verisae Inc |
| US7801956B1 | 0.430 | 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 |
| US7085727B2 | 0.430 | Movie rental and notification system | GRANT | 2006-08-01 | 2002-09-26 | 32029139 | Good | Benhov GmbH LLC | Benhov GmbH LLC |
| US6094643A | 0.430 | System for detecting counterfeit financial card fraud | GRANT | 2000-07-25 | 1996-06-14 | 23015787 | Good | Card Alert Services Inc | Fair Isaac Corp |
| US20020023108A1 | 0.430 | AUTOMATIC WEB FORM INTERACTION PROXY | APPLICATION | 2002-02-21 | 1999-09-09 | 23556506 | Good | Yodlee com Inc | Yodlee com Inc |
| 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 |
| US20080120716A1 | 0.430 | 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 |
| US6424840B1 | 0.429 | 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 |
| US20050027633A1 | 0.429 | 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 |
| US6782370B1 | 0.428 | 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 |
| US20040002907A1 | 0.428 | 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 |
| US20050015273A1 | 0.428 | Warranty management and analysis system | APPLICATION | 2005-01-20 | 2003-07-15 | 34068251 | Good | SAP SE | SAP SE |
| US20070067297A1 | 0.428 | 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 | ||
| WO2001039589A2 | 0.427 | METHOD AND APPARATUS FOR PROVIDING ONLINE FINANCIAL ACCOUNT SERVICES | APPLICATION | 2001-06-07 | 1999-12-01 | 27538773 | Good | ||
| US20070149184A1 | 0.427 | 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 |
| US5239462A | 0.427 | 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 |
| US20060173792A1 | 0.427 | 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 | ||
| US7630903B1 | 0.426 | Electronic dispute resolution system | GRANT | 2009-12-08 | 2000-02-15 | 31994456 | Good | SquareTrade Inc | TRANSECURE Inc, SquareTrade Inc |
| US8423653B2 | 0.426 | 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 |
| US20090164421A1 | 0.426 | PERSONAL INVENTORY MANAGER | APPLICATION | 2009-06-25 | 2007-12-20 | 40789804 | Good | Verizon Business Network Services Inc | Verizon Patent and Licensing Inc |
| US5706338A | 0.426 | Real-time communications fraud monitoring system | GRANT | 1998-01-06 | 1993-03-31 | 21912936 | Good | AT&T Corp | AT&T Corp |
| US20080183504A1 | 0.425 | POINT-OF-CARE INFORMATION ENTRY | APPLICATION | 2008-07-31 | 2006-09-14 | 39184415 | Good | CHI-SQUARE TECHNOLOGIES LLC | CHI-SQUARE TECHNOLOGIES LLC |
| US8160961B1 | 0.425 | Charging for prepaid subscribers in a telecommunications system | GRANT | 2012-04-17 | 1999-09-02 | 8555239 | Good | Nokia Oyj | Nokia Technologies Oy |
| US7844604B2 | 0.425 | 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 |
| WO2004031986A1 | 0.425 | 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 | ||
| US8554584B2 | 0.425 | Interactive credential system and method | GRANT | 2013-10-08 | 2006-07-03 | 45874167 | Good | Hargroder Cos Inc | Hargroder Cos Inc |
| US7620596B2 | 0.425 | Systems and methods for evaluating financial transaction risk | GRANT | 2009-11-17 | 2007-06-01 | 40089366 | Good | Western Union Co | Western Union Co |
| US20060004623A1 | 0.424 | System and method for online professional services networks | APPLICATION | 2006-01-05 | 2004-07-02 | 35515148 | Good | ||
| US6842877B2 | 0.423 | Contextual responses based on automated learning techniques | GRANT | 2005-01-11 | 1998-12-18 | 35515186 | Good | Tangis Corp | Microsoft Technology Licensing LLC |
| US6993661B1 | 0.423 | 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 |
| US20030198350A1 | 0.422 | 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 |
| US7653688B2 | 0.422 | Role-based portal to a workplace system | GRANT | 2010-01-26 | 2003-11-05 | 34573335 | Good | SAP SE | SAP SE |
| US20120110677A1 | 0.422 | SYSTEM FOR PROTECTING PERSONAL DATA | APPLICATION | 2012-05-03 | 2009-06-30 | 42651047 | Good | Nokia Solutions and Networks Oy | Nokia Solutions and Networks Oy |
| US7451113B1 | 0.422 | Card management system and method | GRANT | 2008-11-11 | 2003-03-21 | 39854627 | Good | Mighty Net Inc | Consumerinfo com Inc |
| US6421453B1 | 0.422 | 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 |
| US20110131123A1 | 0.422 | COMPREHENSIVE SUSPICIOUS ACTIVITY MONITORING AND ALERT SYSTEM | APPLICATION | 2011-06-02 | 2009-12-01 | 44069564 | Good | Bank of America Corp | Bank of America Corp |
| US20060031177A1 | 0.421 | Method and system to design a dispute resolution process | APPLICATION | 2006-02-09 | 2004-08-03 | 35839855 | Good | eBay Inc | eBay Inc |
| US8478686B1 | 0.421 | Method of determining credit worthiness and profitability | GRANT | 2013-07-02 | 2009-07-29 | 48671305 | Good | Advertising Data Tech LLC | Advertising Data Tech LLC |
| US8751514B2 | 0.421 | 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 |
| US20110035264A1 | 0.421 | SYSTEM FOR COLLECTABLE MEDIUM | APPLICATION | 2011-02-10 | 2009-08-04 | 43535525 | Good | ||
| US7844039B2 | 0.421 | 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 |
| US7366759B2 | 0.420 | Method and system for characterizing relationships in social networks | GRANT | 2008-04-29 | 2001-02-22 | 26764074 | Good | Parity Communications Inc | Parity Communications Inc |
| US20060233332A1 | 0.420 | Credit worthiness rating method | APPLICATION | 2006-10-19 | 2005-03-24 | 37023307 | Good | Cerebrus Solutions Ltd | Cerebrus Solutions Ltd |
| US20090234814A1 | 0.420 | Configuring a search engine results page with environment-specific information | APPLICATION | 2009-09-17 | 2006-12-12 | 41064119 | Good | Yahoo Inc | Oath Inc |
| US8312033B1 | 0.420 | 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 |
| US20100122316A1 | 0.420 | User Controlled Identity Authentication | APPLICATION | 2010-05-13 | 2008-11-12 | 42166387 | Good | ||
| US7949594B2 | 0.419 | 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 |
| US8560438B2 | 0.419 | Systems and methods for optimization of a financial transaction | GRANT | 2013-10-15 | 2007-01-26 | 39669045 | Good | Nowcom Corp | Nowcom LLC |
| US10937090B1 | 0.419 | Report existence monitoring | GRANT | 2021-03-02 | 2009-01-06 | 42312313 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US20060161478A1 | 0.419 | 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 |
| US20100215270A1 | 0.419 | 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 |
| US20020174061A1 | 0.419 | 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 |
| US20080010687A1 | 0.419 | REGISTRATION VERIFICATION AND NOTIFICATION SYSTEM | APPLICATION | 2008-01-10 | 2005-01-11 | 36653257 | Good | Metro Enterprises Inc | Telesign Corp |
| US8150161B2 | 0.418 | Technique for correcting character-recognition errors | GRANT | 2012-04-03 | 2008-09-22 | 41277892 | Good | Intuit Inc | Intuit Inc |
| US20040153642A1 | 0.418 | Encryption based security system for network storage | APPLICATION | 2004-08-05 | 2002-05-14 | 32772174 | Good | Decru Inc | NetApp Inc |
| US5774660A | 0.418 | 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 |
| US6493758B1 | 0.418 | Offline viewing of internet content with a mobile device | GRANT | 2002-12-10 | 1998-09-08 | 22531416 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8615800B2 | 0.418 | System and method for analyzing web content | GRANT | 2013-12-24 | 2006-07-10 | 38767400 | Good | Websense LLC | Forcepoint LLC, Forcepoint Federal Holdings LLC |
| US6901406B2 | 0.418 | 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 |
| US20070226122A1 | 0.417 | Electronic trading system | APPLICATION | 2007-09-27 | 2005-11-02 | 38534739 | Good | PRIVATE TRADING SYSTEMS PLC | PREVENTIA Inc, PRIVATE TRADING SYSTEM Inc |
| US8396743B2 | 0.417 | Sending targeted product offerings based on personal information | GRANT | 2013-03-12 | 1998-10-19 | 37423319 | Good | DIVAN INDUSTRIES LLC | CONSOLIDATED TRANSACTION PROCESSING, LLC |
| US7953213B2 | 0.417 | 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 |
| US20090222375A1 | 0.417 | 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 |
| US8606694B2 | 0.417 | 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 |
| US20100114744A1 | 0.417 | REPUTATION SCORING AND REPORTING SYSTEM | APPLICATION | 2010-05-06 | 2008-10-30 | 42132627 | Good | Metro Enterprises Inc | Telesign Corp |
| US5774883A | 0.417 | 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 |
| US8271393B2 | 0.416 | 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 |
| US20080149713A1 | 0.416 | Detecting Media Areas Likely of Hosting Watermarks | APPLICATION | 2008-06-26 | 2003-08-13 | 39541422 | Good | Digimarc Corp | Digimarc Corp |
| US20040199456A1 | 0.416 | 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 |
| US20120005221A1 | 0.416 | EXTRACTING FACTS FROM SOCIAL NETWORK MESSAGES | APPLICATION | 2012-01-05 | 2010-06-30 | 45400516 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20120084866A1 | 0.416 | 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 |
| US5699527A | 0.415 | Method and system for processing loan | GRANT | 1997-12-16 | 1995-05-01 | 23714765 | Good | S Aqua Semiconductor LLC | S Aqua Semiconductor LLC |
| US7970698B2 | 0.415 | Application processing and decision systems and processes | GRANT | 2011-06-28 | 2003-08-27 | 34272668 | Good | Equifax Inc | Equifax Inc |
| US7205882B2 | 0.415 | Actuating a security system using a wireless device | GRANT | 2007-04-17 | 2004-11-10 | 36315759 | Good | CoreStreet Ltd | Assa Abloy AB |
| US6275824B1 | 0.415 | 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 |
| US8407194B1 | 0.415 | Data classification and privacy repository | GRANT | 2013-03-26 | 2009-01-15 | 47892405 | Good | Privity Systems Inc | Privity Systems Inc |
| US20080040610A1 | 0.415 | 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 |
| US5436960A | 0.414 | 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 |
| US20060248048A1 | 0.414 | Household grouping based on public records | APPLICATION | 2006-11-02 | 2004-11-22 | 37235650 | Good | Intelius | Peopleconnect Inc, Silicon Valley Bank Inc |
| WO2006055767A2 | 0.414 | BIOMETRIC PRINT QUALITY ASSURANCE | APPLICATION | 2006-05-26 | 2004-11-18 | 36407766 | Good | ||
| US20030172039A1 | 0.414 | System and method for managing accounts | APPLICATION | 2003-09-11 | 2002-03-05 | 29547993 | Good | First Data Corp | First Data Corp |
| US20070168267A1 | 0.414 | Automated aggregation and comparison of business spending relative to similar businesses | APPLICATION | 2007-07-19 | 2006-01-13 | 38264392 | Good | Intuit Inc | Intuit Inc |
| US20090276368A1 | 0.414 | 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 |
| US5218632A | 0.413 | FLEXIBLE CALL DETAIL RECORDING SYSTEM | GRANT | 1993-06-08 | 1991-10-16 | 25113206 | Good | Telefonaktiebolaget LM Ericsson AB | Telefonaktiebolaget LM Ericsson AB |
| US20070152068A1 | 0.413 | 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 |
| WO2011005876A1 | 0.413 | 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 | ||
| US20070162413A1 | 0.413 | 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 |
| US6996543B1 | 0.413 | 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 |
| US20060095363A1 | 0.413 | 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 |
| US20070078908A1 | 0.412 | METHOD AND SYSTEM FOR CHILD SAFETY | APPLICATION | 2007-04-05 | 2005-05-17 | 37432147 | Good | Ceelox Inc | Ceelox Inc |
| US20030190913A1 | 0.412 | Subscriber registration method | APPLICATION | 2003-10-09 | 2000-08-08 | 11042654 | Good | Markport Ltd | Markport Ltd |
| US20090222379A1 | 0.412 | 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 |
| US7062475B1 | 0.412 | Personalized multi-service computer environment | GRANT | 2006-06-13 | 2000-05-30 | 36576618 | Good | Alberti Anemometer LLC | Commworks Solutions LLC, DOUBLE AGENT Inc |
| US20100077483A1 | 0.412 | 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 |
| 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 |
| WO2008064603A1 | 0.412 | A METHOD AND A SYSTEM FOR IMPLEMENTING ROAM CROSS-NETWORK FOR PREPAID USERS | APPLICATION | 2008-06-05 | 2006-11-29 | 38072013 | Good | ||
| US20090222377A1 | 0.412 | 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 |
| US20110113086A1 | 0.411 | 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 |
| US20050203768A1 | 0.411 | 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 |
| US7337133B1 | 0.411 | Internet-based customer referral system | GRANT | 2008-02-26 | 1997-06-27 | 25383309 | Good | Amazon com Inc | Amazon Technologies Inc |
| US20040107250A1 | 0.411 | METHODS AND SYSTEMS FOR INTEGRATING COMMUNICATION RESOURCES USING THE INTERNET | APPLICATION | 2004-06-03 | 2002-10-21 | 32397048 | Good | ||
| US20080065530A1 | 0.411 | 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 |
| US20050114345A1 | 0.411 | Method for accessing a personalized content on a home page hosted on a web site | APPLICATION | 2005-05-26 | 1995-12-14 | 24288303 | Good | ||
| US20090177529A1 | 0.411 | Internet eco system for transacting information and transactional data for compensation | APPLICATION | 2009-07-09 | 2007-12-31 | 40845320 | Good | ||
| US20010039532A1 | 0.411 | Chargeback calculator | APPLICATION | 2001-11-08 | 2000-04-11 | 26891916 | Good | SmithKline Beecham Corp | SmithKline Beecham Corp |
| US20080091530A1 | 0.410 | Methods and systems for providing cross-selling with online banking environments | APPLICATION | 2008-04-17 | 2006-04-28 | 38656232 | Good | Efunds Corp | Efunds Corp |
| US20080103800A1 | 0.410 | Identity Protection | APPLICATION | 2008-05-01 | 2006-10-25 | 39331403 | Good | IdentityTruth Inc | IdentityTruth Inc |
| US7739707B2 | 0.410 | Parental controls using view limits | GRANT | 2010-06-15 | 2001-11-20 | 26971938 | Good | Starz Entertainment LLC | Starz Entertainment LLC |
| US20070005984A1 | 0.410 | Attack resistant phishing detection | APPLICATION | 2007-01-04 | 2005-06-30 | 37591236 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20090248573A1 | 0.409 | 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 |
| US20030208412A1 | 0.408 | Method and system facilitating transactions between consumers and service providers | APPLICATION | 2003-11-06 | 2001-09-28 | 29270452 | Good | CREDITMINDERS Inc | CREDITMINDERS Inc |
| US5812642A | 0.408 | Audience response monitor and analysis system and method | GRANT | 1998-09-22 | 1995-07-12 | 23993573 | Good | ||
| US20110276396A1 | 0.408 | 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 |
| US20040138992A1 | 0.408 | 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 |
| US4977595A | 0.408 | 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 |
| US20040047459A1 | 0.408 | Online method and apparatus for the interactive creation of custom prepaid virtual calling cards | APPLICATION | 2004-03-11 | 2002-09-06 | 31977697 | Good | ||
| US20070262140A1 | 0.408 | Apparatus System and Method for Delivering Products or Services | APPLICATION | 2007-11-15 | 2005-02-03 | 38684184 | Good | Critical Point Group | Critical Point Group |
| US20100250509A1 | 0.407 | FILE SCANNING TOOL | APPLICATION | 2010-09-30 | 2009-03-27 | 42635193 | Good | Bank of America Corp | Bank of America Corp |
| US20020111153A1 | 0.407 | Signaling system and method for network-based pre-paid wireless telephone service | APPLICATION | 2002-08-15 | 1998-10-14 | 22629819 | Good | ||
| US7559217B2 | 0.407 | 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 |
| US20070043577A1 | 0.407 | 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 |
| US8286004B2 | 0.407 | Saving encryption keys in one-time programmable memory | GRANT | 2012-10-09 | 2009-10-09 | 43855769 | Good | LSI Corp | Broadcom International Pte Ltd |
| US7096043B1 | 0.407 | Call origination control | GRANT | 2006-08-22 | 2003-10-24 | 36821796 | Good | Nortel Networks Ltd | RPX Clearinghouse LLC |
| US6988085B2 | 0.407 | 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 |
| US7747520B2 | 0.407 | 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 |
| WO2000055778A1 | 0.406 | DIGITAL-TIMESHARE-EXCHANGE | APPLICATION | 2000-09-21 | 1999-03-16 | 22272370 | Good | ||
| US7958046B2 | 0.406 | Computer systems and methods for providing credit information data | GRANT | 2011-06-07 | 2003-04-23 | 32946862 | Good | SAP SE | SAP SE |
| US8489720B1 | 0.406 | 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 |
| US20100083371A1 | 0.406 | 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 |
| US20080103798A1 | 0.406 | Identity Protection | APPLICATION | 2008-05-01 | 2006-10-25 | 39331401 | Good | IdentityTruth Inc | IdentityTruth Inc |
| US7860114B1 | 0.406 | 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 |
| US7050945B2 | 0.406 | 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 |
| US20060200583A1 | 0.406 | 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 |
| US8599315B2 | 0.405 | On screen displays associated with remote video source devices | GRANT | 2013-12-03 | 2007-07-25 | 39824321 | Good | Silicon Image Inc | Lattice Semiconductor Corp |
| WO2012016572A1 | 0.405 | METHOD AND AUTOMATED SYSTEM FOR IDENTIFYING THE AUTHENTICITY OF LABELLING ON GOODS FOR SALE | APPLICATION | 2012-02-09 | 2010-08-05 | 44544187 | Good | ||
| US7630933B2 | 0.405 | 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 |
| US20040128215A1 | 0.405 | System and method for accessing geographic-based data | APPLICATION | 2004-07-01 | 2000-10-23 | 34273474 | Good | Costar Group Inc | Costar Realty Information Inc |
| US20020099612A1 | 0.404 | 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 |
| US7792732B2 | 0.404 | 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 |
| WO1996015633A1 | 0.404 | SYSTEM FOR SUBSCRIBER ADMINISTRATION IN TELECOMMUNICATION NETWORK | APPLICATION | 1996-05-23 | 1994-11-11 | 26159836 | Good | ||
| US4989141A | 0.404 | 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 |
| US20060202012A1 | 0.404 | 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 |
| US7330835B2 | 0.403 | 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 |
| US7188179B1 | 0.403 | 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 |
| US7873441B2 | 0.403 | System for execution of a load operating plan for load control | GRANT | 2011-01-18 | 2006-09-25 | 39230901 | Good | ||
| US8180691B2 | 0.403 | 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 |
| US20090058676A1 | 0.403 | Automated meter reading billing and payment processing system | APPLICATION | 2009-03-05 | 2000-09-21 | 22883174 | Good | ||
| US20030078897A1 | 0.403 | 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 |
| US20090133117A1 | 0.403 | Authentication Frequency And Challenge Type Based On Application Usage | APPLICATION | 2009-05-21 | 2007-11-19 | 40643398 | Good | Avaya Inc | Avaya Inc |
| US5844218A | 0.403 | 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 |
| US20090037326A1 | 0.403 | Virtual Card Selector for a Portable Electronic Device | APPLICATION | 2009-02-05 | 2007-07-30 | 40305228 | Good | Motorola Solutions Inc | Motorola Solutions Inc |
| US20120208495A1 | 0.403 | SYSTEM AND METHOD FOR MONITORING ACCOUNT USAGE ON A PLATFORM | APPLICATION | 2012-08-16 | 2010-06-23 | 46637266 | Good | Twilio Inc | Twilio Inc |
| US7624068B1 | 0.402 | 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 |
| US8743892B2 | 0.402 | 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 |
| US20020035511A1 | 0.402 | 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 |
| US20120191693A1 | 0.402 | SYSTEMS AND METHODS OF IDENTIFYING AND HANDLING ABUSIVE REQUESTERS | APPLICATION | 2012-07-26 | 2009-08-25 | 46544950 | Good | Vizibility Inc | Vizibility Inc |
| US20090099941A1 | 0.402 | 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 |
| 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 |
| US20030046222A1 | 0.401 | 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 |
| US5924082A | 0.401 | 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 |
| US20100145838A1 | 0.401 | 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 |
| US8078524B2 | 0.401 | Method and apparatus for explaining credit scores | GRANT | 2011-12-13 | 2001-02-22 | 25150723 | Good | Fair Isaac Corp | Fair Isaac Corp |
| WO2007004158A2 | 0.401 | DEBTOR MANAGEMENT SYSTEM AND METHOD | APPLICATION | 2007-01-11 | 2005-07-05 | 37409825 | Good | ||
| US20030065563A1 | 0.401 | 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 |
| US20060184585A1 | 0.401 | Communication point delivery instructions | APPLICATION | 2006-08-17 | 2004-02-24 | 36724093 | Good | First Data Corp | First Data Corp |
| US20030009418A1 | 0.400 | Systems and methods for electronically verifying and processing information | APPLICATION | 2003-01-09 | 2000-12-08 | 26674362 | Good | ||
| US5630127A | 0.400 | 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 |
| US20090210241A1 | 0.400 | Emergency Contact System that Interfaces with Government ID | APPLICATION | 2009-08-20 | 2008-02-15 | 40955916 | Good | ||
| US5226177A | 0.400 | Real-time wireless audience response system | GRANT | 1993-07-06 | 1990-03-27 | 27414142 | Good | Viewfacts Inc | Viewfacts Inc |
| US8280810B2 | 0.400 | 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 |
| USRE42743E1 | 0.400 | System for authorizing functionality in adaptable hardware devices | GRANT | 2011-09-27 | 2001-11-28 | 25544654 | Good | QST Holdings LLC | Cornami Inc |
| US7860769B2 | 0.400 | Method of preventing fraud | GRANT | 2010-12-28 | 2006-07-26 | 38987554 | Good | ||
| US6574736B1 | 0.400 | Composable roles | GRANT | 2003-06-03 | 1998-11-30 | 22744324 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20090234876A1 | 0.400 | SYSTEMS AND METHODS FOR CONTENT SHARING | APPLICATION | 2009-09-17 | 2008-03-14 | 41064161 | Good | ShareThis Inc | ShareThis Inc |
| US8204774B2 | 0.400 | 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 |
| US20040102197A1 | 0.400 | Dynamic web page construction based on determination of client device location | APPLICATION | 2004-05-27 | 1999-09-30 | 32326244 | Good | ||
| US20010003093A1 | 0.400 | Communication system that communicates position information of roaming mobile stations | APPLICATION | 2001-06-07 | 1997-05-06 | 25312343 | Good | ||
| US8219771B2 | 0.399 | 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 |
| US20060212486A1 | 0.399 | METHODS AND SYSTEMS FOR COMPLIANCE MONITORING KNOWLEDGE BASE | APPLICATION | 2006-09-21 | 2005-03-21 | 37011630 | Good | OVERSIGHT SYSTEMS Inc | OVERSIGHT SYSTEMS Inc |
| US6253203B1 | 0.399 | Privacy-enhanced database | GRANT | 2001-06-26 | 1998-10-02 | 22600471 | Good | NCR Corp | NCR Corp |
| US20030130914A1 | 0.399 | 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 |
| US7941365B1 | 0.399 | 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) |
| US20060032909A1 | 0.398 | System and method for providing database security measures | APPLICATION | 2006-02-16 | 2004-08-06 | 35066038 | Good | ||
| WO2002035453A1 | 0.398 | FINGERPRINT IDENTIFYING METHOD AND SECURITY SYSTEM USING THE SAME | APPLICATION | 2002-05-02 | 2000-10-24 | 27350254 | Good | ||
| US7711635B2 | 0.397 | 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 |
| US8800059B2 | 0.397 | 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 |
| US20040253988A1 | 0.397 | Cellular telephone having data card reader and method for dialing responsively | APPLICATION | 2004-12-16 | 2003-06-16 | 33511543 | Good | ||
| US5611052A | 0.396 | Lender direct credit evaluation and loan processing system | GRANT | 1997-03-11 | 1993-11-01 | 22518557 | Good | Golden 1 Credit Union | CU DIRECT Corp |
| US9281996B1 | 0.396 | 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 |
| US20050238175A1 | 0.395 | Management of the retention and/or discarding of stored data | APPLICATION | 2005-10-27 | 2004-04-22 | 35136438 | Good | Decru Inc | Decru Inc |
| US20080208548A1 | 0.395 | Credit Report-Based Predictive Models | APPLICATION | 2008-08-28 | 2007-02-27 | 39716906 | Good | Transunion Interactive Inc | Transunion Interactive Inc |
| US6070147A | 0.395 | Customer identification and marketing analysis systems | GRANT | 2000-05-30 | 1996-07-02 | 24698930 | Good | Tecmark Services Inc | IDLOYALTY LLC |
| US20060117188A1 | 0.395 | Biometric print quality assurance | APPLICATION | 2006-06-01 | 2004-11-18 | 36568519 | Good | Bionopoly LLC | Biogy Inc |
| US7860782B2 | 0.395 | 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 |
| US20100063993A1 | 0.395 | SYSTEM AND METHOD FOR SOCIALLY AWARE IDENTITY MANAGER | APPLICATION | 2010-03-11 | 2008-09-08 | 41800102 | Good | Yahoo Inc | Excalibur IP LLC, Altaba Inc |
| US20040083230A1 | 0.394 | Method and system for automatically managing an address database | APPLICATION | 2004-04-29 | 2002-10-24 | 32106612 | Good | GOODCONTACTS RESEARCH Ltd | GOODCONTACTS RESEARCH Ltd |
| US20020193094A1 | 0.394 | Method and system for downloading software products directly to wireless phones | APPLICATION | 2002-12-19 | 2001-06-15 | 25379571 | Good | ||
| US6421675B1 | 0.394 | Search engine | GRANT | 2002-07-16 | 1998-03-16 | 26760224 | Good | S L I Systems Inc | Globalbrainnet Inc, S L I Systems Inc |
| US6314171B1 | 0.394 | 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 |
| US20110035452A1 | 0.394 | System and Method for Automatic Social Messaging | APPLICATION | 2011-02-10 | 2009-08-06 | 43535619 | Good | OpenPeak Inc | Microsoft Technology Licensing LLC |
| US6233566B1 | 0.394 | 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 |
| WO2001016896A1 | 0.394 | SYSTEM AND METHOD FOR ASSIGNING A LINE OF CREDIT TO A CREDIT CARD ACCOUNT | APPLICATION | 2001-03-08 | 1999-08-31 | 23524427 | Good | ||
| WO1995020298A1 | 0.393 | METHOD FOR TRANSMITTING TARIFF DATA TO A SUBSCRIBER UNIT | APPLICATION | 1995-07-27 | 1994-01-24 | 8539673 | Good | ||
| US7720705B2 | 0.393 | 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 |
| US20080066188A1 | 0.393 | Identity verification system | APPLICATION | 2008-03-13 | 2006-08-08 | 39201579 | Good | ||
| US20060036748A1 | 0.393 | Apparatus and method for computerized information management | APPLICATION | 2006-02-16 | 2004-07-28 | 35801311 | Good | ||
| US20100274815A1 | 0.393 | System and method for indexing correlating managing referencing and syndicating identities and relationships across systems | APPLICATION | 2010-10-28 | 2007-01-30 | 42993051 | Good | ||
| US20060129472A1 | 0.393 | 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 |
| US20130080467A1 | 0.393 | SOCIAL NETWORKING SYSTEM AND METHOD | APPLICATION | 2013-03-28 | 2006-10-26 | 39365005 | Good | ||
| US7841004B1 | 0.393 | Child identity monitor | GRANT | 2010-11-23 | 2007-04-05 | 43087417 | Good | Consumerinfo com Inc | Consumerinfo com Inc |
| US6385594B1 | 0.393 | 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 |
| US20140298485A1 | 0.392 | PERSISTENT AGENT SUPPORTED BY PROCESSOR | APPLICATION | 2014-10-02 | 2005-03-18 | 37464988 | Good | Absolute Software Corp | Absolute Software Corp |
| US5802142A | 0.392 | Data correction system for communications network | GRANT | 1998-09-01 | 1993-03-31 | 27266643 | Good | British Telecommunications PLC | British Telecommunications PLC |
| US8131614B2 | 0.392 | 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 |
| US20070050777A1 | 0.392 | Duration of alerts and scanning of large data stores | APPLICATION | 2007-03-01 | 2003-06-09 | 37805853 | Good | Verano Inc | Leidos Cyber Inc |
| US20090119299A1 | 0.391 | Online Identity Management and Identity Verification | APPLICATION | 2009-05-07 | 2007-11-02 | 40589237 | Good | ||
| US7155508B2 | 0.391 | Target information generation and ad server | GRANT | 2006-12-26 | 2000-09-01 | 25248092 | Good | Yodlee com Inc | Yodlee com Inc |
| US20030009426A1 | 0.391 | Methods and apparatus for protecting against credit card fraud check fraud and identity theft | APPLICATION | 2003-01-09 | 2001-04-19 | 26823784 | Good | ||
| US20050013423A1 | 0.391 | 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 |
| US20070040015A1 | 0.391 | 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 |
| US7555459B2 | 0.391 | 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 |
| US8571971B1 | 0.391 | Credit application status monitor | GRANT | 2013-10-29 | 2002-04-19 | 49448713 | Good | Wells Fargo Bank NA | WORLD SAVINGS BANK, Wells Fargo Bank NA |
| US20150073929A1 | 0.391 | TRANSACTION FACILITATING MARKETPLACE PLATFORM | APPLICATION | 2015-03-12 | 2007-11-14 | 52626482 | Good | Panjiva Inc | Panjiva Inc |
| US7558777B1 | 0.391 | Technique for identifying and collecting record-keeping information | GRANT | 2009-07-07 | 2007-01-31 | 40811105 | Good | Intuit Inc | Intuit Inc |
| US20110321137A1 | 0.390 | 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 |
| US20080004957A1 | 0.390 | Targeted advertising for portable devices | APPLICATION | 2008-01-03 | 2006-06-29 | 38877846 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20070208640A1 | 0.390 | Method and Apparatus for Assessing Debtor Payment Behavior | APPLICATION | 2007-09-06 | 2006-02-21 | 38472524 | Good | PredictiveMetrics Inc | SunGard AvantGard LLC |
| US20070220003A1 | 0.389 | 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 |
| US20040111292A1 | 0.389 | Healthcare credit evaluation method | APPLICATION | 2004-06-10 | 2002-12-06 | 32468401 | Good | NATIONAL MEDSEARCH LLC | NATIONAL MEDSEARCH LLC |
| WO2001080053A2 | 0.389 | METHOD AND SYSTEM FOR INTERFACING CLIENTS WITH RELATIONSHIP MANAGEMENT (RM) ACCOUNTS AND FOR PERMISSIONING MARKETING | APPLICATION | 2001-10-25 | 2000-04-14 | 22729346 | Good | ||
| US6871789B2 | 0.388 | Document printed with graphical symbols which encode information | GRANT | 2005-03-29 | 2001-02-09 | 27516006 | Good | Enseal Systems Ltd | FISERV CIR Inc |
| US5930776A | 0.388 | Lender direct credit evaluation and loan processing system | GRANT | 1999-07-27 | 1993-11-01 | 26844199 | Good | Golden 1 Credit Union | CU DIRECT Corp |
| US5481672A | 0.388 | 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 |
| US7688813B2 | 0.388 | Monitoring control system and method | GRANT | 2010-03-30 | 2004-11-22 | 35840310 | Good | LG Electronics Inc | LG Electronics Inc |
| US6041319A | 0.388 | Method and system for telephone updates of postal scales | GRANT | 2000-03-21 | 1997-07-14 | 25399398 | Good | Pitney Bowes Inc | Pitney Bowes Inc |
| US7904306B2 | 0.388 | Method and apparatus for assessing credit for healthcare patients | GRANT | 2011-03-08 | 2004-09-01 | 36462020 | Good | Search America Inc | Search America Inc |
| US20110302653A1 | 0.388 | 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 |
| US20080235091A1 | 0.387 | Cash in advance incentive and rewards program | APPLICATION | 2008-09-25 | 2007-03-20 | 39775681 | Good | ||
| US20040243588A1 | 0.387 | Systems and methods for administering a global information database | APPLICATION | 2004-12-02 | 2003-05-29 | 33451331 | Good | Equifax Inc | Equifax Inc |
| US20070055891A1 | 0.387 | Protocol translation | APPLICATION | 2007-03-08 | 2005-09-08 | 37831297 | Good | NetApp Inc | NetApp Inc |
| US7647344B2 | 0.387 | 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 |
| US20010049274A1 | 0.387 | Method of transferring data being stored in a database | APPLICATION | 2001-12-06 | 2000-03-24 | 26074233 | Good | Ne Way Sa | Mobile2Web (US) SA |
| US20010021651A1 | 0.387 | 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 |
| US20090024462A1 | 0.387 | 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 |
| US8229393B2 | 0.387 | Private cellular system with auto-registration functionality | GRANT | 2012-07-24 | 2009-06-26 | 43381286 | Good | Altobridge Ltd | Altobridge Ltd, Commscope Connectivity LLC |
| US20020016175A1 | 0.386 | 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 |
| US20070250459A1 | 0.386 | Method and system for conducting background investigations | APPLICATION | 2007-10-25 | 2006-03-07 | 38620654 | Good | Intersections Inc | Intersections Inc |
| US20040236678A1 | 0.386 | Better register | APPLICATION | 2004-11-25 | 2003-05-24 | 33457436 | Good | ||
| US6480591B1 | 0.386 | 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 |
| US20090100047A1 | 0.386 | METHOD AND SYSTEM OF MANAGING AND USING PROFILE INFORMATION | APPLICATION | 2009-04-16 | 2007-10-15 | 40535206 | Good | ChaCha Search Inc | ChaCha Search Inc |
| US7181427B1 | 0.386 | Automated credit application system | GRANT | 2007-02-20 | 1995-09-12 | 32718273 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA, DealerTrack Inc |
| US7039607B2 | 0.386 | System for evaluating a company's customer equity | GRANT | 2006-05-02 | 2001-04-26 | 18978605 | Good | Dentsu Tec Inc | Dentsu Tec Inc |
| US8255868B1 | 0.386 | 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 |
| US5920701A | 0.385 | Scheduling data transmission | GRANT | 1999-07-06 | 1995-01-19 | 24828127 | Good | Starburst Communications Corp | Rateze Remote Mgmt LLC, Hanger Solutions LLC |
| US20100312691A1 | 0.385 | 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 |
| US20100049803A1 | 0.385 | ANONYMITY-PRESERVING RECIPROCAL VETTING FROM A SYSTEM PERSPECTIVE | APPLICATION | 2010-02-25 | 2008-08-19 | 41697334 | Good | ||
| US20110214187A1 | 0.385 | 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 |
| US6993504B1 | 0.385 | User interface for semi-fungible trading | GRANT | 2006-01-31 | 1999-04-09 | 35694978 | Good | Trading Technologies International Inc | Trading Technologies International Inc |
| US20010037450A1 | 0.385 | System and method for process protection | APPLICATION | 2001-11-01 | 2000-03-02 | 22685342 | Good | ||
| US20090055404A1 | 0.385 | SYSTEM AND METHOD FOR ONLINE PROFILE MANAGEMENT | APPLICATION | 2009-02-26 | 2007-08-13 | 40383124 | Good | VisualCV Inc | VisualCV Inc |
| US20110307474A1 | 0.385 | PARTY REPUTATION AGGREGATION SYSTEM AND METHOD | APPLICATION | 2011-12-15 | 2010-06-15 | 45097072 | Good | International Business Machines Corp | International Business Machines Corp |
| US20120124498A1 | 0.384 | System and Method for Simultaneous Display of Multiple Information Sources | APPLICATION | 2012-05-17 | 1999-10-29 | 46331896 | Good | Surfcast Inc | Surfcast Inc |
| US20040158723A1 | 0.384 | Methods for providing high-integrity enrollments into biometric authentication databases | APPLICATION | 2004-08-12 | 2003-02-06 | 32823785 | Good | ||
| US20100076966A1 | 0.384 | 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 |
| US20080270038A1 | 0.384 | 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 |
| US8036941B2 | 0.384 | Online purchasing system supporting lenders with affordability screening | GRANT | 2011-10-11 | 2000-03-21 | 27558815 | Good | Enpulz LLC | PayPal Inc |
| US20030177091A1 | 0.384 | Emerging market banking system | APPLICATION | 2003-09-18 | 2002-03-12 | 28038962 | Good | ||
| US8548903B2 | 0.383 | 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 |
| US7676410B2 | 0.383 | Combined debt consolidation and settlement program | GRANT | 2010-03-09 | 2006-05-12 | 38686282 | Good | Compucredit Intellectual Property Holdings Corp II | CC SERVE Corp |
| US20010034618A1 | 0.382 | Healthcare payment and compliance system | APPLICATION | 2001-10-25 | 2000-02-24 | 22678250 | Good | Sterling Medical Services LLC | Sterling Medical Services LLC |
| US20040122697A1 | 0.382 | Systems and methods for providing insurance and non-insurance products | APPLICATION | 2004-06-24 | 2002-09-20 | 32030776 | Good | Fortis Inc | Assurant Inc |
| US20040030649A1 | 0.381 | System and method of application processing | APPLICATION | 2004-02-12 | 2002-05-06 | 29424530 | Good | Zoot Enterprises Inc | Zoot Enterprises Inc |
| US8006261B1 | 0.381 | System and method for personalized message creation and delivery | GRANT | 2011-08-23 | 2000-04-07 | 24174532 | Good | Visible World LLC | Tivo Corp |
| US8065175B1 | 0.381 | System and method for relational scheduling of people and/or resources | GRANT | 2011-11-22 | 2007-01-30 | 44936874 | Good | Intuit Inc | Intuit Inc |
| US6766327B2 | 0.381 | Data linking system and method using encoded links | GRANT | 2004-07-20 | 1997-07-29 | 31187921 | Good | Acxiom Corp | Liveramp Inc |
| US20020016767A1 | 0.381 | Automated bill paying system | APPLICATION | 2002-02-07 | 2000-02-11 | 26877472 | Good | ||
| US6397224B1 | 0.381 | Anonymously linking a plurality of data records | GRANT | 2002-05-28 | 1999-12-10 | 23823661 | Good | Iqvia Inc | Iqvia Inc |
| US8024778B2 | 0.380 | 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 |
| US10055264B2 | 0.379 | 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 |
| US6330546B1 | 0.379 | 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 |
| US7647274B2 | 0.379 | 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 |
| US20120290660A1 | 0.378 | SOCIAL MEDIA SYSTEM WITH MULTIPLE PROFILES | APPLICATION | 2012-11-15 | 1996-12-16 | 46328240 | Good | IP Holdings Inc | IP Holdings Inc |
| US20060047605A1 | 0.378 | Privacy management method and apparatus | APPLICATION | 2006-03-02 | 2004-08-27 | 35944591 | Good | Trustedid Inc | Trustedid Inc |
| US8689001B1 | 0.378 | Method and system for protecting user identification information | GRANT | 2014-04-01 | 2007-06-29 | 50349016 | Good | Symantec Corp | NortonLifeLock Inc |
| US20040204952A1 | 0.378 | 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 | ||
| US8019690B2 | 0.378 | Method and system for transacting an anonymous purchase over the internet | GRANT | 2011-09-13 | 1999-07-29 | 23430481 | Good | PrivaCash Inc | PrivaCash Inc |
| US5317733A | 0.378 | 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 |
| US20100010935A1 | 0.378 | 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 |
| US9846871B2 | 0.377 | 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 |
| US20090094237A1 | 0.377 | 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 |
| US20070214000A1 | 0.377 | GLOBAL CUSTOMER SATISFACTION SYSTEM | APPLICATION | 2007-09-13 | 2006-03-02 | 38480058 | Good | Global Customer Satisfaction System LLC | Global Customer Satisfaction System LLC |
| US7853998B2 | 0.377 | Firewall propagation | GRANT | 2010-12-14 | 2007-03-22 | 39776053 | Good | Mocana Corp | Mocana 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 |
| US20050130704A1 | 0.377 | Credit limit recommendation | APPLICATION | 2005-06-16 | 2003-12-15 | 34653795 | Good | Dun and Bradstreet Inc | Dun and Bradstreet Inc |
| US20070266439A1 | 0.377 | PRIVACY MANAGEMENT AND TRANSACTION SYSTEM | APPLICATION | 2007-11-15 | 2005-11-30 | 38686591 | Good | MYPUBLICINFO Inc | MYPUBLICINFO Inc |
| US20110302055A1 | 0.376 | SYSTEM AND METHOD FOR AN INTERNET BASED CHARITABLE EVENT | APPLICATION | 2011-12-08 | 2010-06-03 | 45065225 | Good | ||
| US20120016948A1 | 0.376 | SOCIAL NETWORK ACTIVITY MONITORING AND AUTOMATED REACTION | APPLICATION | 2012-01-19 | 2010-07-15 | 45467765 | Good | Avaya Inc | Avaya Inc |
| US20080133273A1 | 0.376 | System and method for sharing medical information | APPLICATION | 2008-06-05 | 2006-12-04 | 39476922 | Good | WebMD Inc | WebMD Inc |
| US20090089205A1 | 0.376 | AUTOMATED QUALIFYING OF A CUSTOMER TO RECEIVE A CASH LOAN AT AN AUTOMATED TELLER MACHINE | APPLICATION | 2009-04-02 | 2007-09-29 | 40509476 | Good | ||
| US20070198336A1 | 0.376 | AUTOMATED SYSTEM AND METHOD FOR DISCOUNTING MEDICAL BILLS OF SELF-PAY PATIENTS | APPLICATION | 2007-08-23 | 2006-02-23 | 38429467 | Good | ||
| US20070162458A1 | 0.376 | 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 |
| US6684072B1 | 0.376 | Global wireless prepaid roaming | GRANT | 2004-01-27 | 2000-08-24 | 30116232 | Good | Level Z LLC | Level Z LLC |
| US20110071950A1 | 0.376 | CUSTOMER-ORIENTED CUSTOMER RELATIONSHIP MANAGEMENT PROCESS AND SYSTEM | APPLICATION | 2011-03-24 | 2009-09-23 | 43757478 | Good | Webcom Inc | Callidus Software Inc |
| US20060184410A1 | 0.376 | 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 |
| US7809797B2 | 0.376 | Parental control using social metrics system and method | GRANT | 2010-10-05 | 2007-04-06 | 39328272 | Good | Symantec Corp | NortonLifeLock Inc |
| US20090249451A1 | 0.376 | 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 |
| US20130179332A1 | 0.375 | 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 |
| US20060155639A1 | 0.375 | System and method for automated process of deal structuring | APPLICATION | 2006-07-13 | 2000-06-03 | 36654421 | Good | ||
| US20060190334A1 | 0.375 | Automated system and method for discounting medical bills of self-pay patients | APPLICATION | 2006-08-24 | 2005-02-22 | 36913963 | Good | ||
| US4876592A | 0.375 | 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 |
| US20070204033A1 | 0.375 | 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 |
| US6792088B2 | 0.374 | 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 |
| US20070143123A1 | 0.374 | System method and service for recording household assets | APPLICATION | 2007-06-21 | 2005-12-06 | 38174842 | Good | Arkiva Inc | Arkiva Inc |
| US7310511B2 | 0.374 | Monitoring and management of roaming users | GRANT | 2007-12-18 | 2004-02-13 | 34700211 | Good | StarHome GmbH | StarHome GmbH |
| US8086523B1 | 0.374 | Credit risk evaluation with responsibility factors | GRANT | 2011-12-27 | 2006-08-07 | 45349911 | Good | Allstate Insurance Co | Allstate Insurance Co |
| US20120173339A1 | 0.373 | Tile Space User Interface For Mobile Devices | APPLICATION | 2012-07-05 | 2005-09-16 | 37911604 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20080086431A1 | 0.373 | SOCIAL INTERACTION MESSAGING AND NOTIFICATION | APPLICATION | 2008-04-10 | 2006-09-15 | 39184660 | Good | Icebreaker Inc | DENA PACIFIC COMMUNICATIONS Inc |
| US7013323B1 | 0.373 | 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 |
| US20080208726A1 | 0.373 | Method and system for securing credit accounts | APPLICATION | 2008-08-28 | 2005-09-02 | 39717008 | Good | Intersections Inc | Intersections Inc |
| US6665715B1 | 0.373 | 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 |
| US20030043984A1 | 0.373 | Prepaid telephone service with automatic number identification recognition | APPLICATION | 2003-03-06 | 2001-07-12 | 26890175 | Good | TeleCents Communications Inc | TeleCents Communications Inc |
| US20100153278A1 | 0.373 | 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 | ||
| US7983932B2 | 0.373 | 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 |
| US20060136180A1 | 0.372 | Selecting virtual brick models | APPLICATION | 2006-06-22 | 2003-05-20 | 37450744 | Good | Interlego AG | Lego AS |
| US7962361B2 | 0.372 | Customer relationship management system for physical locations | GRANT | 2011-06-14 | 2002-11-07 | 32228981 | Good | Novitaz | Maplebear Inc |
| US20110125632A1 | 0.371 | Consumer Direct Loan Qualification System And Method For Submitting Loan Applications | APPLICATION | 2011-05-26 | 2009-11-23 | 44062794 | Good | MORTGAGESOFT CORP | MORTGAGESOFT CORP |
| US6088686A | 0.371 | System and method to performing on-line credit reviews and approvals | GRANT | 2000-07-11 | 1995-12-12 | 26678297 | Good | Citibank NA | Citibank NA |
| US20070168462A1 | 0.371 | ONLINE PRODUCTION AND MEDIA COORDINATION PORTAL/SYSTEM FOR TELEPHONE RINGBACK MESSAGES AND DIGITAL MEDIA CONTENT | APPLICATION | 2007-07-19 | 2006-01-18 | 38288398 | Good | ||
| US20080183585A1 | 0.371 | 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 |
| US5940812A | 0.370 | 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 |
| US20040167793A1 | 0.370 | 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 |
| US6823319B1 | 0.370 | 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 |
| US20100042542A1 | 0.370 | 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 |
| US20090327120A1 | 0.370 | Tagged Credit Profile System for Credit Applicants | APPLICATION | 2009-12-31 | 2008-06-27 | 41448629 | Good | CENTRRO Inc | CENTRRO Inc |
| US20060287767A1 | 0.370 | Privacy Information Reporting Systems with Refined Information Presentation Model | APPLICATION | 2006-12-21 | 2005-06-20 | 37595747 | Good | MYPUBLICINFO Inc | MYPUBLICINFO Inc |
| US20120005542A1 | 0.370 | LOG COLLECTION STRUCTURING AND PROCESSING | APPLICATION | 2012-01-05 | 2010-07-01 | 45400682 | Good | LogRhythm Inc | LogRhythm Inc |
| US20070124256A1 | 0.370 | Comprehensive Identity Protection System | APPLICATION | 2007-05-31 | 2005-06-02 | 37482375 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20060043201A1 | 0.369 | 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 |
| US20100023448A1 | 0.369 | 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 |
| US20110119169A1 | 0.369 | Computer-Based System and Method for Automating the Settlement of Debts | APPLICATION | 2011-05-19 | 2009-11-13 | 44012037 | Good | ||
| US5025138A | 0.369 | Method and system for providing verifiable line of credit information | GRANT | 1991-06-18 | 1984-02-27 | 26838837 | Good | ||
| US20040044628A1 | 0.369 | Method and system for enforcing online identity consent polices | APPLICATION | 2004-03-04 | 2002-08-27 | 31496012 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20010011247A1 | 0.368 | PRIVACY-ENABLED LOYALTY CARD SYSTEM AND METHOD | APPLICATION | 2001-08-02 | 1998-10-02 | 22598971 | Good | NCR Corp | NCR Corp |
| US9548050B2 | 0.368 | Intelligent automated assistant | GRANT | 2017-01-17 | 2010-01-18 | 44304930 | Good | Apple Inc | Apple Inc |
| US7212995B2 | 0.368 | 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 |
| US20030229580A1 | 0.368 | Method for establishing or improving a credit score or rating for a business | APPLICATION | 2003-12-11 | 2002-06-10 | 29710926 | Good | ||
| US6750985B2 | 0.367 | Digital watermarks and methods for security documents | GRANT | 2004-06-15 | 1994-03-17 | 22430478 | Good | Digimarc Corp | Digimarc Corp |
| US7987124B1 | 0.367 | 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 |
| US5963939A | 0.367 | 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 |
| US20100023434A1 | 0.367 | Automated Credit/Debt Management Counsel By Isaiah Bond | APPLICATION | 2010-01-28 | 2008-07-27 | 41569501 | Good | ||
| WO2001084281A2 | 0.366 | CARD MANAGEMENT SYSTEM AND METHOD THEREFORE | APPLICATION | 2001-11-08 | 2000-05-04 | 22748138 | Good | ||
| US20070157107A1 | 0.366 | Sidebar information sharing | APPLICATION | 2007-07-05 | 2006-01-04 | 38226116 | Good | Yahoo Inc | Oath Inc |
| US20060248021A1 | 0.366 | Verification system using public records | APPLICATION | 2006-11-02 | 2004-11-22 | 37235632 | Good | Intelius | Peopleconnect Inc, Silicon Valley Bank Inc |
| US7133852B2 | 0.366 | Electricity generation equipment management system | GRANT | 2006-11-07 | 2000-10-13 | 18792681 | Good | Kurita Water Industries Ltd | Kurita Water Industries Ltd |
| US20090271248A1 | 0.366 | PRECALCULATION OF TRENDING ATTRIBUTES | APPLICATION | 2009-10-29 | 2008-03-27 | 41215917 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US20090313562A1 | 0.366 | 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 |
| US8725613B1 | 0.366 | 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 |
| US20020120757A1 | 0.365 | Controlled access system for online communities | APPLICATION | 2002-08-29 | 2001-02-09 | 4168307 | Good | Siberra Corp, OPENGRAPHICS Corp | OPENGRAPHICS Corp |
| US20070226047A1 | 0.365 | Method and Process for Capturing Storing Processing and Displaying Customer Satisfaction Information | APPLICATION | 2007-09-27 | 2003-01-18 | 32712244 | Good | ||
| US5774870A | 0.365 | 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 |
| US8938399B1 | 0.365 | Method and system for automatically repairing a fraudulent identity theft incident | GRANT | 2015-01-20 | 2003-09-23 | 52301742 | Good | ||
| US20070032240A1 | 0.364 | Realtime interactive and geographically defined computerized personal matching systems and methods | APPLICATION | 2007-02-08 | 2005-08-03 | 37718247 | Good | Resight LLC | Resight LLC |
| US7979908B2 | 0.364 | Method and system of verifying and authenticating background and consumer records | GRANT | 2011-07-12 | 2005-02-11 | 36816756 | Good | SecureTest Inc | IREVIEWNOW LLC |
| US6983320B1 | 0.363 | 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 |
| US8099341B2 | 0.363 | System and method for recreating tax documents | GRANT | 2012-01-17 | 2006-01-31 | 37525212 | Good | OREM Financial Services Inc | OREM Financial Services Inc |
| US20050050027A1 | 0.363 | Determining and/or using location information in an ad system | APPLICATION | 2005-03-03 | 2003-09-03 | 34218054 | Good | Google LLC | Google LLC |
| US20030069943A1 | 0.363 | 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 |
| US20080140476A1 | 0.363 | Smart advertisement generating system | APPLICATION | 2008-06-12 | 2006-12-12 | 39499374 | Good | Yahoo Inc | Oath Inc |
| US7895227B1 | 0.363 | System and method for detecting trends in network-based content | GRANT | 2011-02-22 | 2007-04-27 | 43597183 | Good | Intuit Inc | Intuit Inc |
| US7334020B2 | 0.363 | 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 |
| US20090217342A1 | 0.363 | Parental Control for Social Networking | APPLICATION | 2009-08-27 | 2008-02-25 | 40999690 | Good | International Business Machines Corp | International Business Machines Corp |
| US7603317B2 | 0.363 | 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 |
| US6161133A | 0.363 | 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 |
| US20050154665A1 | 0.362 | Fraud prevention system | APPLICATION | 2005-07-14 | 2002-11-22 | 46304100 | Good | Florida Bankers Association Inc | Florida Bankers Association Inc |
| US7801811B1 | 0.362 | 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 |
| US20030028477A1 | 0.361 | 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 |
| US20070032225A1 | 0.361 | Realtime location-based cell phone enhancements uses and applications | APPLICATION | 2007-02-08 | 2005-08-03 | 46325993 | Good | Resight LLC | Resight LLC |
| US6988082B1 | 0.361 | 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 |
| US5956693A | 0.361 | Computer system for merchant communication to customers | GRANT | 1999-09-21 | 1996-07-19 | 24746973 | Good | VERBIND Inc | SAS Institute Inc |
| US20030018558A1 | 0.361 | 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 |
| 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 |
| US20110307397A1 | 0.360 | SYSTEMS AND METHODS FOR APPLYING SOCIAL INFLUENCE | APPLICATION | 2011-12-15 | 2010-06-09 | 45097015 | Good | ||
| US5787187A | 0.360 | 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 |
| US6900731B2 | 0.359 | 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 |
| WO2005010683A2 | 0.359 | INTERACTIVE ONLINE RESEARCH SYSTEM AND METHOD | APPLICATION | 2005-02-03 | 2003-07-15 | 34103156 | Good | ||
| US7542922B2 | 0.359 | Online purchasing system supporting sellers with affordability screening | GRANT | 2009-06-02 | 2000-03-21 | 27497865 | Good | PayPal Inc | PayPal Inc |
| US5749075A | 0.359 | 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 |
| US20080040176A1 | 0.359 | Online Protection Plan Supplemental Services | APPLICATION | 2008-02-14 | 2006-07-31 | 39051965 | Good | MONTAGE Inc | MONTAGE Inc |
| US20120136763A1 | 0.358 | 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 |
| US20110313915A1 | 0.358 | COLLECTING AND SHARING REVENUE ASSOCIATED WITH PERSONAL DATA ASSETS | APPLICATION | 2011-12-22 | 2008-08-11 | 45329529 | Good | Abbyy Software Ltd | Abbyy Production LLC |
| US20070244807A1 | 0.358 | Method and system for preventing and detecting identity theft | APPLICATION | 2007-10-18 | 2006-02-28 | 38605997 | Good | Intersections Inc | Intersections Inc |
| US20090089190A1 | 0.358 | 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 |
| US20040225545A1 | 0.358 | System and method for offering unsecured consumer credit transactions | APPLICATION | 2004-11-11 | 2003-05-08 | 33416623 | Good | E2interactive Inc | E2interactive Inc |
| US8256013B1 | 0.358 | Method and apparatus for dynamic creation of persona | GRANT | 2012-08-28 | 2006-12-22 | 46689954 | Good | Symantec Corp | NortonLifeLock Inc |
| US20040088540A1 | 0.358 | 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 |
| US6397197B1 | 0.358 | 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 |
| US20060041464A1 | 0.358 | System and method for developing an analytic fraud model | APPLICATION | 2006-02-23 | 2004-08-19 | 35910714 | Good | Transunion LLC | Transunion LLC |
| US20020010616A1 | 0.358 | 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 |
| US20110029388A1 | 0.357 | 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 | ||
| US20030105742A1 | 0.357 | 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 |
| US7805362B1 | 0.357 | 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 |
| US7552080B1 | 0.357 | 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 |
| US20110126275A1 | 0.357 | 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 |
| US8098239B1 | 0.357 | Systems and methods for positional number entry | GRANT | 2012-01-17 | 2008-03-26 | 45445102 | Good | Intuit Inc | Intuit Inc |
| US20080148392A1 | 0.356 | 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 |
| US20100205076A1 | 0.356 | 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 |
| US20040098546A1 | 0.356 | System and method for synchronizing related data elements in disparate storage systems | APPLICATION | 2004-05-20 | 2000-10-25 | 28792435 | Good | ||
| US20020133365A1 | 0.355 | System and method for aggregating reputational information | APPLICATION | 2002-09-19 | 2001-03-19 | 25208755 | Good | International Business Machines Corp | International Business Machines Corp |
| US6442590B1 | 0.355 | 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 |
| US20060282886A1 | 0.355 | Service oriented security device management network | APPLICATION | 2006-12-14 | 2005-06-09 | 37525560 | Good | Lockheed Martin Corp | Lockheed Martin Corp |
| US20040148200A1 | 0.354 | 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 |
| US7870078B2 | 0.354 | 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 |
| US20090048957A1 | 0.354 | 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 |
| US6567791B2 | 0.354 | 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 |
| US20020198822A1 | 0.353 | 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 |
| US20100169159A1 | 0.353 | Media for Service and Marketing | APPLICATION | 2010-07-01 | 2008-12-30 | 42286032 | Good | SAP SE | SAP SE |
| US7386466B2 | 0.353 | 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 |
| US7689506B2 | 0.352 | 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 |
| US6067565A | 0.352 | 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 |
| US20050097017A1 | 0.352 | Financial funding system and methods | APPLICATION | 2005-05-05 | 2001-11-02 | 23315125 | Good | BANK RHODE ISLAND | BANK RHODE ISLAND |
| US8275683B2 | 0.351 | Systems and methods for deposit predictions based upon Monte Carlo analysis | GRANT | 2012-09-25 | 2009-03-20 | 42738478 | Good | Fiserv Inc | Fiserv Inc |
| US20070016500A1 | 0.351 | 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 |
| US7571138B2 | 0.350 | 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 |
| US8412593B1 | 0.350 | Credit card matching | GRANT | 2013-04-02 | 2008-10-07 | 47989894 | Good | LowerMyBills com Inc | Lmb Mortgage Services Inc |
| US8560161B1 | 0.350 | 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 |
| US20030236701A1 | 0.350 | Method and system for affiliate tracking | APPLICATION | 2003-12-25 | 2001-05-15 | 25319394 | Good | Netcentives Inc | Affinion Net Patents Inc |
| US5937392A | 0.349 | 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 |
| US7840484B2 | 0.349 | 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 |
| US20050171850A1 | 0.349 | Device for ordering at dining table | APPLICATION | 2005-08-04 | 2004-02-02 | 34807790 | Good | Partner Tech Corp | Partner Tech Corp |
| US20100223211A1 | 0.349 | Decision service method and system | APPLICATION | 2010-09-02 | 2000-10-11 | 42667665 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US7653613B1 | 0.349 | 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 |
| US20040215673A1 | 0.349 | Storage sub-system and management program | APPLICATION | 2004-10-28 | 2003-04-25 | 33296548 | Good | Hitachi Ltd | Hitachi Ltd |
| US20080047017A1 | 0.348 | 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 |
| US20110276604A1 | 0.348 | REPUTATION BASED ACCESS CONTROL | APPLICATION | 2011-11-10 | 2010-05-06 | 44902646 | Good | International Business Machines Corp | International Business Machines Corp |
| US7912770B2 | 0.347 | 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 |
| US5659731A | 0.347 | 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 |
| US7788152B2 | 0.347 | 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 |
| US6099319A | 0.347 | Neuroimaging as a marketing tool | GRANT | 2000-08-08 | 1998-02-24 | 46255251 | Good | Nielsen Co US LLC | Nielsen Co US LLC |
| US6298348B1 | 0.347 | Consumer profiling system | GRANT | 2001-10-02 | 1998-12-03 | 46256328 | Good | Expanse Networks Inc | Prime Research Alliance E Inc |
| US6397212B1 | 0.346 | 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 |
| US20070078741A1 | 0.346 | 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 |
| US20130030826A1 | 0.345 | AUTOMATED PATIENT MANAGEMENT SYSTEM | APPLICATION | 2013-01-31 | 2004-11-24 | 47597973 | Good | Millennia Patient Services LLC | Millennia Patient Services LLC |
| US7366694B2 | 0.345 | Credit/financing process | GRANT | 2008-04-29 | 2001-08-16 | 46280943 | Good | Mortgage Grader Inc | Mortgage Grader Inc |
| US6973462B2 | 0.345 | Integrated guardianship information system | GRANT | 2005-12-06 | 2001-04-03 | 26813301 | Good | Florida Atlantic University | Florida Atlantic University |
| US7730078B2 | 0.345 | 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 |
| WO2002029636A1 | 0.345 | METHOD FOR FINDING A PERSON BY USING AN INTERNET WEB SITE | APPLICATION | 2002-04-11 | 2000-09-19 | 19198266 | Good | ||
| US7841008B1 | 0.345 | Threat personalization | GRANT | 2010-11-23 | 2006-03-31 | 43087418 | Good | Symantec Corp | NortonLifeLock Inc |
| US20120005070A1 | 0.344 | SALES LEAD GENERATION SYSTEM USING A CREDIT SCORE SURVEY | APPLICATION | 2012-01-05 | 2010-07-01 | 45400431 | Good | Veretech Holdings Inc | Veretech Holdings Inc |
| US20020188511A1 | 0.344 | Interactive online point redemption system | APPLICATION | 2002-12-12 | 2001-05-14 | 26841473 | Good | Trilegiant Loyalty Solutions | Trilegiant Loyalty Solutions |
| US20030028466A1 | 0.344 | 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 |
| US20040128150A1 | 0.344 | Methods and structure for collaborative customer account management | APPLICATION | 2004-07-01 | 2002-12-31 | 32655008 | Good | EMPLOYERS REASSURANCE Corp | Employers Reinsurance Corp |
| WO2009064694A2 | 0.344 | APPARATUS METHOD AND SYSTEM FOR SUBSEQUENTLY CONNECTING PEOPLE | APPLICATION | 2009-05-22 | 2007-11-17 | 40639405 | Good | ||
| US6405181B2 | 0.344 | 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 |
| US20100136956A1 | 0.344 | 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 | ||
| US20050055275A1 | 0.343 | 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 |
| US7562814B1 | 0.343 | 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 |
| US7594019B2 | 0.342 | System and method for adult approval URL pre-screening | GRANT | 2009-09-22 | 2003-11-12 | 34552690 | Good | Intel Corp | Intel Corp |
| US20020194120A1 | 0.342 | 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 |
| US7792715B1 | 0.342 | Method of on-line credit information monitoring and control | GRANT | 2010-09-07 | 2002-09-21 | 42669722 | Good | Mighty Net Inc | Consumerinfo com Inc |
| US6324524B1 | 0.342 | 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 |
| US20060149674A1 | 0.342 | 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 |
| US7016870B1 | 0.341 | 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 |
| US20060120348A1 | 0.341 | 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 |
| US8595101B1 | 0.341 | 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 |
| US20060031158A1 | 0.341 | 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 |
| US5918217A | 0.341 | User interface for a financial advisory system | GRANT | 1999-06-29 | 1997-12-10 | 25533945 | Good | Financial Engines Inc | Financial Engines Inc |
| US7832006B2 | 0.341 | 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 |
| US20050288998A1 | 0.341 | Managing customer entitlements to rewards from multiple entitlement programs | APPLICATION | 2005-12-29 | 2004-06-25 | 35507221 | Good | SAP SE | SAP SE |
| US20070016501A1 | 0.341 | 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 |
| US20080120416A1 | 0.341 | SYSTEM AND METHOD FOR PEER TO PEER COMPENSATION | APPLICATION | 2008-05-22 | 2006-11-07 | 39365106 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US20030115122A1 | 0.341 | 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 |
| US20070226114A1 | 0.341 | 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 |
| US20070061432A1 | 0.341 | 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 |
| US20070244732A1 | 0.341 | 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 |
| US20060248525A1 | 0.341 | 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 |
| US20030225742A1 | 0.340 | 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 |
| US20070156554A1 | 0.340 | Method and Apparatus for Computer Assisted Settling of Debts | APPLICATION | 2007-07-05 | 2005-12-19 | 38225749 | Good | ADS PROCESSING Inc | ADS PROCESSING Inc |
| US20030212618A1 | 0.340 | Systems and methods associated with targeted leading indicators | APPLICATION | 2003-11-13 | 2002-05-07 | 29399066 | Good | General Electric Capital Corp | General Electric Co |
| US7536348B2 | 0.340 | 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 |
| US20120036127A1 | 0.340 | 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 |
| US20110307938A1 | 0.339 | Integrating Account Selectors with Passive Authentication Protocols | APPLICATION | 2011-12-15 | 2010-06-15 | 45097361 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6175924B1 | 0.339 | 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 |
| US8225395B2 | 0.339 | Systems and methods for detecting child identity theft | GRANT | 2012-07-17 | 2007-11-13 | 40456525 | Good | Equifax Inc | Equifax Inc |
| US7900052B2 | 0.339 | Confidential data sharing and anonymous entity resolution | GRANT | 2011-03-01 | 2002-11-06 | 32312777 | Good | International Business Machines Corp | International Business Machines Corp |
| US7814004B2 | 0.339 | 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 |
| US20070288360A1 | 0.338 | 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 | ||
| US20060085361A1 | 0.338 | Anomaly detector in a health care system using adapter | APPLICATION | 2006-04-20 | 2004-10-14 | 36181978 | Good | TriZetto Group Inc | TriZetto Group Inc |
| US6954757B2 | 0.338 | 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 |
| US6401118B1 | 0.338 | 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 |
| US7248895B2 | 0.338 | Controlling settings for mobile telecommunications apparatus | GRANT | 2007-07-24 | 2003-06-12 | 33511303 | Good | Nokia Oyj | Provenance Asset Group LLC, Nokia USA Inc |
| US6112190A | 0.337 | Method and system for commercial credit analysis | GRANT | 2000-08-29 | 1997-08-19 | 25432581 | Good | Citibank NA | Citibank NA |
| US6539392B1 | 0.337 | 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 |
| US8131846B1 | 0.337 | Global location-aware computer security | GRANT | 2012-03-06 | 2009-07-06 | 45758031 | Good | Symantec Corp | CAI Software LLC |
| US7686214B1 | 0.337 | 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 |
| US7458508B1 | 0.337 | System and method for identity-based fraud detection | GRANT | 2008-12-02 | 2003-05-12 | 40073709 | Good | ID Analytics LLC | Altiris Inc |
| US6694353B2 | 0.337 | 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 |
| WO2000011574A2 | 0.336 | SYSTEM AND METHOD FOR UPDATING A CREDIT INFORMATION DATABASE | APPLICATION | 2000-03-02 | 1998-08-20 | 26793126 | Good | ||
| US6581025B2 | 0.336 | Time and work tracker for wireless devices | GRANT | 2003-06-17 | 1995-04-17 | 46278840 | Good | Discovision Associates | Rakuten Inc, Discovision Associates |
| US8078453B2 | 0.335 | 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 |
| US20040083159A1 | 0.335 | Systems and methods for facilitating settlement of cross-border securities transactions | APPLICATION | 2004-04-29 | 1999-07-21 | 23407997 | Good | ||
| US20060161554A1 | 0.335 | Schema-Based Services For Identity-Based Data Access | APPLICATION | 2006-07-20 | 2001-03-14 | 26690183 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US8175889B1 | 0.335 | 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 |
| US20010034631A1 | 0.335 | 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 | ||
| US6249770B1 | 0.334 | Method and system of financial spreading and forecasting | GRANT | 2001-06-19 | 1998-01-30 | 22111681 | Good | Citibank NA | Citibank NA |
| US6076070A | 0.334 | 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 |
| US7697520B2 | 0.333 | 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 |
| US20060293987A1 | 0.333 | 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 |
| US20040044673A1 | 0.333 | 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 |
| US20120054592A1 | 0.333 | SEGMENTING FORMS FOR MULTIPLE USER COMPLETION | APPLICATION | 2012-03-01 | 2010-08-31 | 45698780 | Good | Change Healthcare Holdings LLC | Change Healthcare Holdings LLC |
| US6577329B1 | 0.332 | 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 |
| US10445743B2 | 0.332 | Non-serialized electronic product registration system and method of operating same | GRANT | 2019-10-15 | 2001-11-15 | 23293987 | Good | E2interactive Inc | E2interactive Inc |
| US8543498B2 | 0.332 | 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 |
| US20110307434A1 | 0.331 | 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 |
| US20100281020A1 | 0.331 | 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 |
| US20080041943A1 | 0.331 | 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 |
| US20050154769A1 | 0.331 | 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 |
| US20080140507A1 | 0.330 | 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 |
| US20050010474A1 | 0.330 | 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 |
| US20110246244A1 | 0.330 | 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 |
| US20120047219A1 | 0.330 | 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 |
| US20080294501A1 | 0.329 | COLLECTING AND PROVIDING INFORMATION ABOUT VENDORS PRODUCTS AND SERVICES | APPLICATION | 2008-11-27 | 2007-05-21 | 40073255 | Good | ||
| US6035288A | 0.329 | 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 |
| US20110040629A1 | 0.329 | Behavior aggregation | APPLICATION | 2011-02-17 | 2006-12-06 | 40338977 | Good | Apptera Inc | Apptera Inc |
| US20080270209A1 | 0.329 | 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 |
| US20020059201A1 | 0.328 | Method and apparatus for internet-based human network brokering | APPLICATION | 2002-05-16 | 2000-05-09 | 26898554 | Good | ||
| US7356503B1 | 0.328 | ASP business decision engine | GRANT | 2008-04-08 | 2001-02-21 | 39263578 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US6052690A | 0.328 | 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 |
| US6546413B1 | 0.328 | 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 |
| US20100268660A1 | 0.328 | SYSTEMS AND METHODS FOR VERIFYING AND RATING MORTGAGE FINANCIAL COMPANIES | APPLICATION | 2010-10-21 | 2009-04-15 | 42981737 | Good | ||
| US20070179798A1 | 0.328 | VEHICLE EMAIL SYSTEM AND METHOD WITH FINANCIAL NOTIFICATION FEATURES | APPLICATION | 2007-08-02 | 2005-12-31 | 38228956 | Good | Motors Liquidation Co | General Motors LLC |
| US7729983B1 | 0.327 | Credit risk managing loan pools | GRANT | 2010-06-01 | 2001-11-21 | 42200278 | Good | Clayton Fixed Income Services Inc | CLAYTON FIXED SERVICES LLC |
| US20080148368A1 | 0.327 | 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 |
| US20080229415A1 | 0.327 | SYSTEMS AND METHODS FOR PROCESSING DATA FLOWS | APPLICATION | 2008-09-18 | 2005-07-01 | 39764038 | Good | Blue Coat Systems Inc | Blue Coat Systems Inc |
| US20090119116A1 | 0.327 | METHOD AND SYSTEM FOR CREDIT REPORT REMINDER SERVICE | APPLICATION | 2009-05-07 | 2007-11-05 | 40589105 | Good | RelyData LLC | RelyData LLC |
| US20110112899A1 | 0.326 | 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 |
| US7328233B2 | 0.326 | Method and apparatus for implementing an active information model | GRANT | 2008-02-05 | 2000-01-19 | 26872821 | Good | Corybant Inc | Corybant Inc |
| US20060267999A1 | 0.326 | 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 |
| US20020107765A1 | 0.326 | Electronic financing system | APPLICATION | 2002-08-08 | 2000-12-13 | 24962844 | Good | autobytel com Inc | autobytel com Inc |
| US7423515B1 | 0.326 | FPALM II fingerprint authentication lock mechanism II | GRANT | 2008-09-09 | 2003-04-10 | 39734346 | Good | Biogy Inc | Biogy Inc |
| US7003476B1 | 0.325 | 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 |
| US20080319861A1 | 0.325 | 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 |
| US20080216156A1 | 0.325 | Fault tolerant security system method and apparatus | APPLICATION | 2008-09-04 | 2007-03-02 | 39734071 | Good | Controls Systems Corp Pty | Controls Systems Corp Pty |
| US8209659B2 | 0.325 | Method and apparatus for creating a custom workflow | GRANT | 2012-06-26 | 2006-07-28 | 38987892 | Good | Intuit Inc | Intuit Inc |
| US20110137924A1 | 0.325 | CLUSTER PROCESSING OF AN AGGREGATED DATASET | APPLICATION | 2011-06-09 | 2007-01-26 | 46331842 | Good | SymphonyIRI Group Inc | Information Resources Inc |
| US20080249925A1 | 0.325 | LIABILITY ADVICE SYSTEM AND METHOD | APPLICATION | 2008-10-09 | 2007-04-04 | 39827819 | Good | FINANCIAL CROSSING Inc | CREDIT SESAME Inc |
| US20080294996A1 | 0.325 | CUSTOMIZED RETAILER PORTAL WITHIN AN ANALYTIC PLATFORM | APPLICATION | 2008-11-27 | 2007-01-31 | 40073545 | Good | Information Resources Inc | Information Resources Inc |
| US8625791B2 | 0.325 | Methods and apparatuses for selective data encryption | GRANT | 2014-01-07 | 2008-06-30 | 40566230 | Good | Thomson Licensing SAS | Magnolia Licensing LLC |
| US20040249811A1 | 0.325 | 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 |
| US20030212745A1 | 0.324 | Selective multi-step email message marketing | APPLICATION | 2003-11-13 | 2002-05-08 | 29399381 | Good | GoodContacts com Inc | GoodContacts com Inc |
| US20140164398A1 | 0.324 | SOCIAL MEDIA CONTRIBUTOR WEIGHT | APPLICATION | 2014-06-12 | 2010-05-19 | 50072268 | Good | Adobe Systems Inc | Adobe Inc |
| US20030163513A1 | 0.324 | 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 |
| US7583682B2 | 0.324 | Method for improving peer to peer network communication | GRANT | 2009-09-01 | 2004-01-23 | 34795209 | Good | Tiversa Inc | Kroll Information Assurance LLC |
| US8306255B1 | 0.324 | Snapshot-based screen scraping | GRANT | 2012-11-06 | 2008-08-28 | 47075499 | Good | Intuit Inc | Intuit Inc |
| US8732004B1 | 0.324 | 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 |
| US20070039049A1 | 0.323 | Real-time activity monitoring and reporting | APPLICATION | 2007-02-15 | 2005-08-11 | 37744044 | Good | NetManage Inc | Micro Focus US Inc |
| US8386377B1 | 0.323 | 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 |
| US20020198800A1 | 0.323 | 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 |
| US20090234775A1 | 0.323 | REAL ESTATE APPRAISAL SYSTEM AND METHOD | APPLICATION | 2009-09-17 | 2008-03-12 | 41064089 | Good | ||
| US7596512B1 | 0.323 | System and method for determining vehicle price adjustment values | GRANT | 2009-09-29 | 2003-11-26 | 41109880 | Good | Carfax Inc | Carfax Inc |
| US7558748B2 | 0.323 | Purpose-based adaptive rendering | GRANT | 2009-07-07 | 1999-12-17 | 23852155 | Good | Dorado Network Systems Corp | CoreLogic Inc, CoreLogic Dorado LLC |
| WO2010150251A1 | 0.322 | METHOD AND SYSTEM OF MONITORING A NETWORK BASED COMMUNICATION AMONG USERS | APPLICATION | 2010-12-29 | 2009-06-22 | 43386089 | Good | ||
| US20090018996A1 | 0.322 | 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 |
| US20070288355A1 | 0.322 | Evaluating customer risk | APPLICATION | 2007-12-13 | 2006-05-26 | 38779315 | Good | PricewaterhouseCoopers LLP | PricewaterhouseCoopers LLP |
| US20030235307A1 | 0.321 | Encryption and decryption program | APPLICATION | 2003-12-25 | 2002-06-13 | 29727902 | Good | ||
| US4346442A | 0.321 | 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 |
| US5351186A | 0.321 | 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 |
| US20060095289A1 | 0.321 | Warranty tracking systems and methods | APPLICATION | 2006-05-04 | 2004-11-01 | 36263195 | Good | ||
| US7822667B1 | 0.321 | 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 |
| US7373324B1 | 0.321 | Method and system for exchange of financial investment advice | GRANT | 2008-05-13 | 1999-10-07 | 39361705 | Good | STRATEGYXCOM | STRATEGYXCOM |
| WO2010062537A2 | 0.320 | 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 | ||
| US8130075B1 | 0.319 | System and method for touchscreen combination lock | GRANT | 2012-03-06 | 2009-01-23 | 45757925 | Good | Intuit Inc | Intuit Inc |
| US7318093B2 | 0.319 | Method and apparatus for monitoring and controlling programs in a network | GRANT | 2008-01-08 | 1994-04-05 | 29550530 | Good | Intel Corp | Intel Corp |
| US8001235B2 | 0.318 | 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 |
| US7395232B1 | 0.318 | Method and system for providing financial functions | GRANT | 2008-07-01 | 2000-08-30 | 24610063 | Good | TradeRisks Inc | TradeRisks Inc |
| US20020111890A1 | 0.317 | Financial modeling and counseling system | APPLICATION | 2002-08-15 | 1999-11-01 | 25454902 | Good | Accenture LLP | Accenture Global Services Ltd |
| US7653081B2 | 0.317 | 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 |
| US8626642B2 | 0.317 | 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 |
| US7809624B1 | 0.317 | Drift determination in multi-style managed client investment account | GRANT | 2010-10-05 | 2003-02-25 | 42797837 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US20110314383A1 | 0.316 | SECURED AND FILTERED PERSONAL INFORMATION PUBLISHING | APPLICATION | 2011-12-22 | 2005-12-01 | 38092593 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20110213670A1 | 0.316 | 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 |
| US20080267403A1 | 0.316 | 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 |
| US7912865B2 | 0.316 | 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 |
| US20060129419A1 | 0.316 | 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 |
| US20040199789A1 | 0.315 | Anonymizer data collection device | APPLICATION | 2004-10-07 | 2002-12-30 | 33096616 | Good | Cable Television Laboratories Inc | Cable Television Laboratories Inc |
| US20090172788A1 | 0.315 | 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 |
| US7676418B1 | 0.315 | Credit portfolio benchmarking system and method | GRANT | 2010-03-09 | 2005-06-24 | 41785082 | Good | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US7698214B1 | 0.315 | 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 |
| US20060059073A1 | 0.315 | System and method for analyzing financial risk | APPLICATION | 2006-03-16 | 2004-09-15 | 36035280 | Good | WALZAK RISK ANALYSIS LLC | WALZAK RISK ANALYSIS LLC |
| US20070174903A1 | 0.315 | Method and system for managing user identities on a network | APPLICATION | 2007-07-26 | 2006-01-26 | 38287161 | Good | Neogent Inc | Sun Microsystems Inc |
| US20020099641A1 | 0.315 | 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 |
| US20070156718A1 | 0.315 | Business intelligence data repository and data management system and method | APPLICATION | 2007-07-05 | 2005-12-30 | 38225858 | Good | eCollege com | eCollege com |
| US20050064814A1 | 0.315 | Communication apparatus | APPLICATION | 2005-03-24 | 2003-07-22 | 33487689 | Good | Sony Corp | Sisvel International SA |
| US20070245245A1 | 0.314 | SEARCHING AND REFERENCE CHECKING WITHIN SOCIAL NETWORKS | APPLICATION | 2007-10-18 | 2006-02-13 | 38606288 | Good | LinkedIn Corp | Microsoft Technology Licensing LLC |
| US5126936A | 0.314 | Goal-directed financial asset management system | GRANT | 1992-06-30 | 1989-09-01 | 23592156 | Good | Champion Securities | Champion Securities |
| US20170323358A1 | 0.314 | EVALUATING PUBLIC RECORDS OF SUPPLY TRANSACTIONS | APPLICATION | 2017-11-09 | 2007-11-14 | 40639168 | Good | Panjiva Inc | Panjiva Inc |
| US20100094774A1 | 0.314 | INTERACTIVE AND COLLABORATIVE FINANCIAL CUSTOMER EXPERIENCE APPLICATION | APPLICATION | 2010-04-15 | 2008-10-15 | 41571090 | Good | Bank of America Corp | Bank of America Corp |
| US20080097822A1 | 0.314 | 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 |
| US20030036952A1 | 0.314 | Redemption system for award redemption | APPLICATION | 2003-02-20 | 2001-08-17 | 25462549 | Good | Trilegiant Corp | Affinion Net Patents Inc |
| US20020049624A1 | 0.313 | System and method for tracking real estate transactions | APPLICATION | 2002-04-25 | 1999-12-10 | 27500683 | Good | ||
| US7330831B2 | 0.313 | 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 |
| US7343295B2 | 0.313 | Automated complaint resolution system | GRANT | 2008-03-11 | 2000-04-05 | 27394582 | Good | ||
| US20080201257A1 | 0.313 | 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 |
| US5615408A | 0.313 | 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 |
| US20100278338A1 | 0.312 | 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 |
| US20090204514A1 | 0.312 | 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 |
| US20130317954A1 | 0.312 | 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 |
| US20040249532A1 | 0.312 | 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 |
| US20090281816A1 | 0.311 | 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 |
| US7072909B2 | 0.311 | 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 |
| US20080060054A1 | 0.311 | METHOD AND SYSTEM FOR DNS-BASED ANTI-PHARMING | APPLICATION | 2008-03-06 | 2006-09-05 | 39153611 | Good | Cyveillance Inc | Cyveillance Inc |
| US20050021551A1 | 0.310 | Current mailing address identification and verification | APPLICATION | 2005-01-27 | 2003-05-29 | 33490696 | Good | LOCATEPLUS CORP | LOCATEPLUS CORP |
| US9398346B2 | 0.310 | 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 |
| US7707122B2 | 0.310 | 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 |
| US7729969B1 | 0.310 | 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 |
| US20070121843A1 | 0.309 | Advertising and incentives over a social network | APPLICATION | 2007-05-31 | 2005-09-02 | 38087522 | Good | Swaayed Inc | Swaayed Inc |
| US20090037279A1 | 0.309 | Dynamic Creation of Personalized Presentations For Network Communication Systems | APPLICATION | 2009-02-05 | 2007-07-27 | 40338994 | Good | Ortiva Wireless Inc | Allot Communications Ltd |
| US20110035315A1 | 0.308 | Methods and Apparatus for Directing Consumers to Debt Settlement Providers | APPLICATION | 2011-02-10 | 2009-08-06 | 43535550 | Good | ENYFCU HOLDINGS LLC | SETTLEMYACCOUNT LLC |
| US20050055231A1 | 0.308 | Candidate-initiated background check and verification | APPLICATION | 2005-03-10 | 2003-09-08 | 34228823 | Good | CERTIFION Corp | CERTIFION Corp |
| US20060123461A1 | 0.307 | Systems and methods for protecting privacy | APPLICATION | 2006-06-08 | 2004-12-02 | 36575904 | Good | Xerox Corp | Palo Alto Research Center Inc, Xerox Corp |
| US20030093311A1 | 0.307 | Targeted advertising | APPLICATION | 2003-05-15 | 2001-11-05 | 21752673 | Good | Intel Corp | Intel Corp |
| US20080154758A1 | 0.307 | Systems and methods for maintaining credit information about an entity | APPLICATION | 2008-06-26 | 2006-12-21 | 39544275 | Good | SAP SE | SAP SE |
| US20090234665A1 | 0.307 | System and method for customer feedback | APPLICATION | 2009-09-17 | 2008-03-11 | 41064007 | Good | Electronic Data Systems LLC | Ent Services Development Corp LP |
| US8353029B2 | 0.307 | 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 |
| US20080228556A1 | 0.306 | 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 |
| US20090327054A1 | 0.306 | PERSONAL REPUTATION SYSTEM BASED ON SOCIAL NETWORKING | APPLICATION | 2009-12-31 | 2008-06-27 | 41448585 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20080221972A1 | 0.305 | 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 |
| US20130031109A1 | 0.305 | 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 |
| US20070226093A1 | 0.305 | Financial services data model | APPLICATION | 2007-09-27 | 2002-12-20 | 38534726 | Good | Siebel Systems Inc | Oracle America Inc |
| US7984436B1 | 0.305 | 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 |
| US20040059786A1 | 0.305 | Method for contact information verification and update | APPLICATION | 2004-03-25 | 2002-09-25 | 31993249 | Good | GOODCONTACTS RESEARCH Ltd | GOODCONTACTS RESEARCH Ltd |
| US6430539B1 | 0.304 | Predictive modeling of consumer financial behavior | GRANT | 2002-08-06 | 1999-05-06 | 23184422 | Good | HNC Software | Callahan Cellular LLC, HNC Software |
| US7376603B1 | 0.304 | 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 |
| US20110282943A1 | 0.304 | SYSTEMS AND METHODS FOR DETERMINING VALUE OF SOCIAL MEDIA PAGES | APPLICATION | 2011-11-17 | 2010-05-11 | 44912696 | Good | Vitrue Inc | Oracle International Corp |
| US20070150321A1 | 0.304 | METHOD AND APPARATUS FOR INTERNET FEAST | APPLICATION | 2007-06-28 | 2005-12-27 | 38195063 | Good | ||
| US6185543B1 | 0.304 | Method and apparatus for determining loan prepayment scores | GRANT | 2001-02-06 | 1998-05-15 | 22146673 | Good | Marketswitch Corp | Experian Information Solutions LLC |
| US20040030621A1 | 0.304 | Method of reconciling credit union corporate accounts | APPLICATION | 2004-02-12 | 2002-08-07 | 31494718 | Good | ||
| US20110296003A1 | 0.303 | USER ACCOUNT BEHAVIOR TECHNIQUES | APPLICATION | 2011-12-01 | 2010-06-01 | 45023031 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20140164112A1 | 0.302 | 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 |
| US4718009A | 0.302 | 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 |
| US20040001565A1 | 0.302 | Portal/portlet application data synchronization | APPLICATION | 2004-01-01 | 2002-06-26 | 29778952 | Good | International Business Machines Corp | International Business Machines Corp |
| US8015083B1 | 0.302 | Method and apparatus for client-specific notification service | GRANT | 2011-09-06 | 2006-09-11 | 44513635 | Good | Intuit Inc | Intuit Inc |
| US20080059317A1 | 0.301 | 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 |
| US6505168B1 | 0.301 | 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 |
| US7835983B2 | 0.301 | Credit approval monitoring system and method | GRANT | 2010-11-16 | 2003-09-18 | 34316615 | Good | Trans Union LLC | Trans Union LLC, Transunion LLC |
| US20020091650A1 | 0.301 | Methods of anonymizing private information | APPLICATION | 2002-07-11 | 2001-01-09 | 25050320 | Good | Gazelle Systems Inc | Gazelle Systems Inc |
| US20080222027A1 | 0.300 | Credit score and scorecard development | APPLICATION | 2008-09-11 | 2005-10-24 | 39742616 | Good | Experian Marketing Solutions Inc | Experian Marketing Solutions Inc |
| US20050283415A1 | 0.299 | 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 |
| US20030171942A1 | 0.297 | Contact relationship management system and method | APPLICATION | 2003-09-11 | 2002-03-06 | 29548020 | Good | I Centrix LLC | I Centrix LLC |
| US20090043691A1 | 0.297 | 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 |
| US20050149378A1 | 0.296 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711224 | Good | Cerner Corp | Cerner Corp |
| US20080133322A1 | 0.296 | 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 |
| US20060080251A1 | 0.296 | Systems and methods for offering credit line products | APPLICATION | 2006-04-13 | 2004-09-22 | 36119462 | Good | Citibank NA | Citibank NA |
| US8604929B1 | 0.296 | Personal alert system and method | GRANT | 2013-12-10 | 2009-04-27 | 49681542 | Good | Navigator Technology Inc | Navigator Technology Inc |
| US7127068B2 | 0.296 | Geographical comparison system and method | GRANT | 2006-10-24 | 2000-05-24 | 26901618 | Good | Info Space Inc | SWITCHBOARD LLC, Info Space Inc, InfoSpace Inc |
| US20030187768A1 | 0.296 | Virtual finance/insurance company | APPLICATION | 2003-10-02 | 2001-10-03 | 28456895 | Good | ||
| US20070058801A1 | 0.296 | Managing the encryption of data | APPLICATION | 2007-03-15 | 2005-09-09 | 37855117 | Good | NetApp Inc | NetApp Inc |
| US20070276750A1 | 0.295 | Method and system for credit status calculation monitoring and maintenance | APPLICATION | 2007-11-29 | 2005-06-10 | 38750684 | Good | ||
| US20020035520A1 | 0.295 | Property rating and ranking system and method | APPLICATION | 2002-03-21 | 2000-08-02 | 27585095 | Good | Case Shiller Weiss Inc | Fiserv CSW Inc |
| US20120109752A1 | 0.295 | 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 |
| US6552670B2 | 0.295 | Location encoder | GRANT | 2003-04-22 | 2000-05-26 | 27395107 | Good | Switchboard Inc | SWITCHBOARD LLC, InfoSpace Inc |
| US20080222015A1 | 0.295 | 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 |
| US4651150A | 0.294 | Merchandise verification and information system | GRANT | 1987-03-17 | 1981-06-22 | 27402809 | Good | Light Signatures Inc | Light Signatures Inc |
| US6021397A | 0.293 | Financial advisory system | GRANT | 2000-02-01 | 1997-12-02 | 25529671 | Good | Financial Engines Inc | Financial Engines Inc |
| EP0919942A2 | 0.293 | Database relationship analysis and strategy implementation tool | GRANT | 1999-06-02 | 1997-11-28 | 10822891 | Good | NCR International Inc | NCR International Inc |
| US20050149355A1 | 0.292 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711226 | Good | Cerner Corp | Cerner Corp |
| US20030212909A1 | 0.292 | Tool method and apparatus for assessing network security | APPLICATION | 2003-11-13 | 2002-01-18 | 29406603 | Good | Nokia of America Corp | LGS Innovations LLC |
| US20040188515A1 | 0.292 | Pre-paid internet credit card | APPLICATION | 2004-09-30 | 2003-03-26 | 32989794 | Good | ||
| US7219107B2 | 0.292 | Collaborative information spaces | GRANT | 2007-05-15 | 2002-12-23 | 32601088 | Good | SAP SE | SAP SE |
| US6405173B1 | 0.292 | 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 |
| US20050144143A1 | 0.292 | 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 |
| US20050080821A1 | 0.292 | System and method for managing collections accounts | APPLICATION | 2005-04-14 | 2003-07-21 | 34425803 | Good | Capital One Financial Corp | Capital One Financial Corp |
| US20040243450A1 | 0.292 | Method system and computer program product for real property metric monitoring | APPLICATION | 2004-12-02 | 2003-06-02 | 33451991 | Good | ||
| US20030064705A1 | 0.291 | 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 | ||
| US7412228B2 | 0.291 | 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 |
| US20020035480A1 | 0.291 | Alternative dispute resolution preparation method and systems | APPLICATION | 2002-03-21 | 2000-06-28 | 26909417 | Good | ||
| US20090282479A1 | 0.290 | METHOD AND SYSTEM FOR MISUSE DETECTION | APPLICATION | 2009-11-12 | 2008-05-07 | 41267979 | Good | Cyveillance Inc | Zerofox Inc |
| US20120011158A1 | 0.290 | 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 |
| US20090327487A1 | 0.290 | METHOD AND SYSTEM FOR DISCOVERING DNS RESOLVERS | APPLICATION | 2009-12-31 | 2008-06-30 | 41448861 | Good | Cyveillance Inc | Cyveillance Inc |
| US20080301016A1 | 0.289 | 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 |
| US20020080871A1 | 0.289 | System and method for data feed acceleration and encryption | APPLICATION | 2002-06-27 | 2000-10-03 | 26930818 | Good | Realtime Data LLC | Realtime Data LLC |
| US20030200142A1 | 0.289 | On-line employee incentive system | APPLICATION | 2003-10-23 | 2002-04-23 | 29215279 | Good | Trilegiant Loyalty Solutions | Trilegiant Loyalty Solutions |
| US20110137760A1 | 0.289 | 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 |
| US20130204753A1 | 0.289 | EXTERNALLY AUGMENTED ASSET MANAGEMENT | APPLICATION | 2013-08-08 | 2006-10-05 | 39275734 | Good | Trimble Inc | Trimble Inc |
| US20030004853A1 | 0.288 | Graphical front end system for real time security trading | APPLICATION | 2003-01-02 | 2001-06-28 | 25400670 | Good | ||
| US7318224B2 | 0.288 | 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 |
| US6523041B1 | 0.288 | Data linking system and method using tokens | GRANT | 2003-02-18 | 1997-07-29 | 23862399 | Good | Acxiom Corp | Liveramp Inc |
| US20080086400A1 | 0.288 | 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 |
| US7805348B2 | 0.287 | 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 |
| US6941323B1 | 0.287 | 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 |
| US20060106685A1 | 0.287 | 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 |
| US7765166B2 | 0.286 | Compiling user profile information from multiple sources | GRANT | 2010-07-27 | 2002-12-23 | 32600274 | Good | SAP SE | SAP SE |
| US20070072190A1 | 0.286 | System and method for universal identification of biological humans | APPLICATION | 2007-03-29 | 2002-12-16 | 37894521 | Good | ||
| US7401050B2 | 0.285 | Method to improve debt collection practices | GRANT | 2008-07-15 | 2002-07-22 | 30443492 | Good | Accenture Global Services GmbH | Accenture Global Services Ltd |
| US7552086B1 | 0.285 | Methods and systems for managing credit | GRANT | 2009-06-23 | 2001-12-03 | 40765998 | Good | Oracle International Corp | Oracle International Corp |
| US20120011432A1 | 0.284 | 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 |
| WO2005124619A1 | 0.283 | CREDIT MANAGEMENT SYSTEM | APPLICATION | 2005-12-29 | 2004-06-18 | 35509916 | Good | ||
| US20120010927A1 | 0.283 | 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 |
| US20070204338A1 | 0.283 | Reverse Firewall with Self-Provisioning | APPLICATION | 2007-08-30 | 2005-02-17 | 36264048 | Good | AT&T Corp | AT&T Intellectual Property II LP |
| US20110145064A1 | 0.283 | 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 |
| US8224974B1 | 0.283 | Method and apparatus for downloading information | GRANT | 2012-07-17 | 2007-01-29 | 46465596 | Good | Intuit Inc | Intuit Inc |
| US20050149354A1 | 0.283 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711225 | Good | Cerner Corp | Cerner Corp |
| US20090132347A1 | 0.283 | 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 |
| US20030048294A1 | 0.282 | 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 |
| US20040044585A1 | 0.282 | Customer service management system | APPLICATION | 2004-03-04 | 2000-08-15 | 31982273 | Good | ||
| EP1850278A1 | 0.282 | Improving portal page personalization offering a direct manipulative window arrangement functionality | GRANT | 2007-10-31 | 2006-04-26 | 38001736 | Good | SAP SE | SAP SE |
| US20040210661A1 | 0.281 | 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 |
| US20040111359A1 | 0.281 | Business method for credit verification and correction | APPLICATION | 2004-06-10 | 2002-06-04 | 32474221 | Good | ||
| US20090254656A1 | 0.281 | 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 |
| US7437679B2 | 0.280 | 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 |
| US7814431B1 | 0.280 | Method and system for predictive form completion | GRANT | 2010-10-12 | 2007-04-27 | 42831041 | Good | Intuit Inc | Intuit Inc |
| US7228289B2 | 0.279 | 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 |
| US7954698B1 | 0.279 | 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 | ||
| US7708196B2 | 0.279 | 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 |
| US6112187A | 0.279 | 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 |
| US7792725B2 | 0.279 | 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 |
| US20050154617A1 | 0.279 | 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 |
| US20070287415A1 | 0.278 | Remote service system for a vehicle | APPLICATION | 2007-12-13 | 2006-04-06 | 38681412 | Good | Denso Corp | Huawei Technologies Co Ltd |
| US20020198736A1 | 0.278 | Identification storage and display of land data on a website | APPLICATION | 2002-12-26 | 2001-06-01 | 27538669 | Good | LandNet Corp | LandNet Corp |
| 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 |
| US20080120204A1 | 0.277 | Method for transferring product service records | APPLICATION | 2008-05-22 | 2006-10-31 | 39418065 | Good | Caterpillar Inc | Caterpillar Inc |
| US7403923B2 | 0.277 | Debt collection practices | GRANT | 2008-07-22 | 2001-10-12 | 21750749 | Good | Accenture Global Services GmbH | Accenture Global Services Ltd |
| US20090106846A1 | 0.277 | 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 |
| 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 |
| US20020032611A1 | 0.276 | Methods and systems for sourcing bill of material and data handling configurations software | APPLICATION | 2002-03-14 | 2000-03-06 | 26882778 | Good | ||
| US20090164582A1 | 0.276 | JURY SYSTEM FOR USE IN ONLINE ANSWERS ENVIRONMENT | APPLICATION | 2009-06-25 | 2007-12-20 | 40789933 | Good | Yahoo Inc | Verizon Media Inc |
| US20080028435A1 | 0.276 | 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) |
| US20090007231A1 | 0.275 | Secured systems and methods for tracking and management of logistical processes | APPLICATION | 2009-01-01 | 2007-06-29 | 40162448 | Good | Caterpillar Inc | Caterpillar Inc |
| US7340679B2 | 0.274 | Processing life and work events | GRANT | 2008-03-04 | 2002-04-24 | 29254032 | Good | SAP SE | SAP SE |
| US20030219709A1 | 0.274 | System and method for educating managing and evaluating clients of professionals | APPLICATION | 2003-11-27 | 2002-05-24 | 29549150 | Good | ||
| US20050149356A1 | 0.274 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711228 | Good | Cerner Corp | Cerner Corp |
| US7142699B2 | 0.274 | Fingerprint matching using ridge feature maps | GRANT | 2006-11-28 | 2001-12-14 | 27791481 | Good | Siemens Corporate Research Inc | Siemens Corp |
| US20110173116A1 | 0.273 | 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 |
| US7913173B2 | 0.273 | Method and apparatus for acquiring data presented within a web browser | GRANT | 2011-03-22 | 2007-04-30 | 40073550 | Good | Intuit Inc | Intuit Inc |
| US20100030649A1 | 0.273 | 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 |
| US20110078073A1 | 0.272 | 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 |
| US20040111358A1 | 0.272 | Enhanced parimutuel wagering | APPLICATION | 2004-06-10 | 1999-07-21 | 34216340 | Good | Longitude Inc | Longitude LLC |
| US7801812B2 | 0.272 | Methods and systems for characteristic leveling | GRANT | 2010-09-21 | 2006-03-10 | 38510213 | Good | VantageScore Solutions LLC | VantageScore Solutions LLC |
| US7451095B1 | 0.272 | 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) |
| US20030236738A1 | 0.272 | Replicated derivatives having demand-based adjustable returns and trading exchange therefor | APPLICATION | 2003-12-25 | 1999-07-21 | 33563611 | Good | Longitude Inc | Longitude LLC |
| US6009415A | 0.271 | 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 |
| US20010044729A1 | 0.271 | Automated complaint management system | APPLICATION | 2001-11-22 | 2000-04-05 | 27539486 | Good | ||
| US20050149379A1 | 0.271 | System and method for management of clinical supply operations | APPLICATION | 2005-07-07 | 2004-01-02 | 34711227 | Good | Cerner Corp | Cerner Corp |
| US7761373B2 | 0.270 | 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 |
| US7395273B2 | 0.270 | System providing receipt inspection reporting | GRANT | 2008-07-01 | 2002-10-31 | 29248109 | Good | General Electric Co | General Electric Co |
| US20110264531A1 | 0.269 | WATCHING A USER'S ONLINE WORLD | APPLICATION | 2011-10-27 | 2010-04-26 | 44816596 | Good | Yahoo Inc | Excalibur IP LLC, Yahoo Holdings Inc |
| US20030231767A1 | 0.269 | Efficient encryption of image data | APPLICATION | 2003-12-18 | 2002-04-12 | 28799636 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US20020147669A1 | 0.268 | 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 |
| US5963656A | 0.268 | 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 |
| US7333937B2 | 0.267 | Health care financing method | GRANT | 2008-02-19 | 2001-09-13 | 25492400 | Good | ADS ResponseCorp Inc | Transunion Intelligence LLC |
| US20020138470A1 | 0.267 | 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 |
| US20060282359A1 | 0.267 | 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 |
| US20010027413A1 | 0.266 | 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 | ||
| US7970676B2 | 0.265 | 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 |
| US20090198557A1 | 0.264 | TIMING COMMERCIAL OFFERS BASED ON LONG-TERM USER DATA | APPLICATION | 2009-08-06 | 2008-01-31 | 40932564 | Good | Intuit Inc | Intuit Inc |
| US7653593B2 | 0.264 | Macroeconomic-adjusted credit risk score systems and methods | GRANT | 2010-01-26 | 2007-11-08 | 40624671 | Good | Equifax Inc | Equifax Inc |
| US20090119199A1 | 0.264 | Loan determination method and apparatus | APPLICATION | 2009-05-07 | 2007-11-07 | 40589169 | Good | NameYourLoan | NameYourLoan |
| US5689651A | 0.263 | System for processing and displaying financial information | GRANT | 1997-11-18 | 1994-10-13 | 23254814 | Good | BLUE WATER PARTNERS Inc | BLUE WATER PARTNERS Inc |
| US20070174634A1 | 0.263 | System and/or method for encrypting data | APPLICATION | 2007-07-26 | 2005-09-09 | 38286985 | Good | NetApp Inc | NetApp Inc |
| US20040030667A1 | 0.263 | 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 |
| US7912778B2 | 0.263 | 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 |
| US20030115133A1 | 0.262 | 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 |
| US20070192167A1 | 0.262 | Methods and systems for managing transaction card customer accounts | APPLICATION | 2007-08-16 | 2005-10-24 | 37968417 | Good | Citibank NA | Citibank NA |
| US20080172324A1 | 0.262 | 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 |
| US20110307957A1 | 0.262 | 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 |
| US20040267714A1 | 0.262 | 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 |
| US8285656B1 | 0.262 | Systems and methods for data verification | GRANT | 2012-10-09 | 2007-03-30 | 46964309 | Good | Consumerinfo com Inc | Consumerinfo com 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 |
| US20020161664A1 | 0.261 | 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 |
| US8027975B2 | 0.260 | Identifying and changing personal information | GRANT | 2011-09-27 | 2007-01-31 | 39410413 | Good | Reputation com Inc | Reputation com Inc |
| US20070112668A1 | 0.258 | 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 |
| US20060282819A1 | 0.257 | 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 |
| US20030023531A1 | 0.257 | 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 |
| US7890403B1 | 0.257 | 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 |
| US8099309B1 | 0.257 | Financial policy change advisor | GRANT | 2012-01-17 | 2006-06-26 | 45445156 | Good | Intuit Inc | Intuit Inc |
| US20030036995A1 | 0.257 | Credit/financing process | APPLICATION | 2003-02-20 | 2001-08-16 | 27495366 | Good | Mortgage Grader Inc | Mortgage Grader Inc |
| US7971141B1 | 0.257 | 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 |
| US20080263013A1 | 0.256 | 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 |
| US7880728B2 | 0.255 | Application switching via a touch screen interface | GRANT | 2011-02-01 | 2006-06-29 | 38876103 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20050137899A1 | 0.254 | Method and system for linking business entities | APPLICATION | 2005-06-23 | 2003-12-23 | 34678910 | Good | Dun and Bradstreet Inc | Dun and Bradstreet Inc |
| US20050027632A1 | 0.254 | Financial investment advice system and method | APPLICATION | 2005-02-03 | 2003-07-31 | 34107982 | Good | UBS Financial Services Inc | UBS Financial Services Inc |
| US20020032635A1 | 0.253 | Systems and methods for monitoring credit of trading couterparties | APPLICATION | 2002-03-14 | 2000-01-06 | 22637978 | Good | Espeed Inc | BGC Partners LP |
| US20020052836A1 | 0.253 | 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 |
| US20020173994A1 | 0.253 | 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 | ||
| US5696907A | 0.252 | 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 |
| US20040046033A1 | 0.252 | Electronic warranty system and method | APPLICATION | 2004-03-11 | 2002-08-29 | 31990385 | Good | Hewlett Packard Development Co LP | Hewlett Packard Development Co LP |
| US8131598B2 | 0.251 | System and method of selecting freight forwarding companies | GRANT | 2012-03-06 | 2003-09-12 | 34434847 | Good | Cartus Corp | Cartus Corp |
| US20050096950A1 | 0.251 | Method and apparatus for creating and evaluating strategies | APPLICATION | 2005-05-05 | 2003-10-29 | 34550489 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US6938011B1 | 0.250 | Click based trading with market depth display | GRANT | 2005-08-30 | 2000-03-02 | 34713347 | Good | Trading Technologies International Inc | Trading Technologies International Inc |
| US6014645A | 0.250 | Real-time financial card application system | GRANT | 2000-01-11 | 1996-04-19 | 24547375 | Good | Block Financial Corp | Block Financial LLC |
| US20090198602A1 | 0.250 | RANKING COMMERCIAL OFFERS BASED ON USER FINANCIAL DATA | APPLICATION | 2009-08-06 | 2008-01-31 | 40932596 | Good | Intuit Inc | Intuit Inc |
| US20080140780A1 | 0.250 | 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 |
| US20060271633A1 | 0.250 | Geographically specific broadcasting system providing advisory alerts of sexual predators | APPLICATION | 2006-11-30 | 2005-05-25 | 37464750 | Good | ||
| US20030037248A1 | 0.250 | Crypto-pointers for secure data storage | APPLICATION | 2003-02-20 | 2001-03-26 | 23066519 | Good | Galois Connections Inc | Galois Inc |
| US8032822B1 | 0.249 | Method and system for explaining dependencies on a document | GRANT | 2011-10-04 | 2006-07-28 | 44676837 | Good | Intuit Inc | Intuit Inc |
| US20080212845A1 | 0.249 | Automatic form generation | APPLICATION | 2008-09-04 | 2007-02-26 | 39733097 | Good | EMC Corp | Open Text Corp |
| US20030009411A1 | 0.249 | Interactive grid-based graphical trading system for real time security trading | APPLICATION | 2003-01-09 | 2001-07-03 | 25407903 | Good | ||
| US7107241B1 | 0.248 | 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 |
| WO1999046710A1 | 0.248 | COMPUTER SYSTEM AND PROCESS FOR A CREDIT-DRIVEN ANALYSIS OF ASSET-BACKED SECURITIES | APPLICATION | 1999-09-16 | 1998-03-12 | 21916846 | Good | ||
| US7636686B2 | 0.247 | Automated actions based on restrictions | GRANT | 2009-12-22 | 2005-06-07 | 37495312 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US7308417B1 | 0.247 | 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 |
| US20100293090A1 | 0.246 | 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 |
| US20060277102A1 | 0.246 | System and Method for Generating Effective Advertisements in Electronic Commerce | APPLICATION | 2006-12-07 | 2005-06-06 | 37499064 | Good | Better Inc | Better Inc |
| US20090125369A1 | 0.246 | 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 |
| US20080040475A1 | 0.246 | 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 |
| US20100257577A1 | 0.246 | MANAGING PRIVACY SETTINGS FOR A SOCIAL NETWORK | APPLICATION | 2010-10-07 | 2009-04-03 | 42827244 | Good | International Business Machines Corp | HCL Technologies Ltd |
| US7509278B2 | 0.245 | Long-term investing | GRANT | 2009-03-24 | 2001-07-16 | 26686821 | Good | ||
| US20100063942A1 | 0.245 | 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 |
| US20050251474A1 | 0.244 | Method of financing home ownership for sub prime prospective home buyers | APPLICATION | 2005-11-10 | 2003-12-31 | 35240577 | Good | ||
| US20100174813A1 | 0.244 | 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 |
| US20020045154A1 | 0.244 | 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 |
| US20040039586A1 | 0.243 | Method and apparatus for monitoring events concerning record subjects on behalf of third parties | APPLICATION | 2004-02-26 | 2002-03-13 | 28041979 | Good | ||
| US8374973B2 | 0.243 | Reputation system | GRANT | 2013-02-12 | 2006-02-16 | 38369858 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6078922A | 0.243 | Market research database having historical control designator | GRANT | 2000-06-20 | 1997-12-19 | 25541436 | Good | AC Nielsen Co | Nielsen Co US LLC |
| US8660919B2 | 0.241 | 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 |
| US7836111B1 | 0.241 | Detecting change in data | GRANT | 2010-11-16 | 2005-01-31 | 43065952 | Good | Hewlett Packard Development Co LP | Hewlett Packard Enterprise Development LP |
| US20100094768A1 | 0.241 | Fraud Detection and Analysis System | APPLICATION | 2010-04-15 | 2008-06-12 | 41417148 | Good | Guardian Analytics Inc | Guardian Analytics Inc |
| US7672833B2 | 0.240 | Method and apparatus for automatic entity disambiguation | GRANT | 2010-03-02 | 2005-09-22 | 37885404 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20080120569A1 | 0.240 | 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 |
| US20070112667A1 | 0.240 | 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 |
| US7310618B2 | 0.240 | Automated loan evaluation system | GRANT | 2007-12-18 | 2000-02-22 | 37768333 | Good | Lehman Brothers Inc | Lehman Brothers Inc, Lehman Brothers Bank FSB |
| US20080133278A1 | 0.238 | Method and system for providing multi-credit card insurance | APPLICATION | 2008-06-05 | 2002-03-29 | 39476926 | Good | Intersections Inc | Intersections Inc |
| US7120599B2 | 0.238 | 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 |
| US20130191270A1 | 0.238 | 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 |
| US20080027841A1 | 0.237 | System for integrating enterprise performance management | APPLICATION | 2008-01-31 | 2002-01-16 | 38987544 | Good | Asset Trust Inc | Eder Jeffrey, Asset Trust Inc |
| US7702576B2 | 0.236 | Apparatus and method for simulating an analytic value chain | GRANT | 2010-04-20 | 2005-08-09 | 37758137 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US5905873A | 0.236 | 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 |
| US20050171983A1 | 0.236 | Smart card with volatile memory file subsystem | APPLICATION | 2005-08-04 | 2000-11-27 | 34807402 | Good | Microsoft Corp | Microsoft Technology Licensing LLC |
| US20060106670A1 | 0.235 | System and method for interactively and progressively determining customer satisfaction within a networked community | APPLICATION | 2006-05-18 | 2004-11-15 | 36387560 | Good | ||
| US20060277089A1 | 0.234 | Dynamically configuring a role-based collaborative space | APPLICATION | 2006-12-07 | 2005-06-03 | 37495283 | Good | International Business Machines Corp | International Business Machines Corp |
| US20060052055A1 | 0.234 | 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 |
| US5262941A | 0.233 | Expert credit recommendation method and system | GRANT | 1993-11-16 | 1990-03-30 | 23999679 | Good | ITT Corp | Deutsche Financial Services Corp |
| US20040243506A1 | 0.233 | 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 |
| US20080208735A1 | 0.233 | 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 |
| US7711626B2 | 0.232 | 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 |
| US7925578B1 | 0.231 | Systems and methods for performing scoring optimization | GRANT | 2011-04-12 | 2005-08-26 | 43837198 | Good | JPMorgan Chase Bank NA | JPMorgan Chase Bank NA |
| US20050137963A1 | 0.231 | Stock purchase indices | APPLICATION | 2005-06-23 | 1999-05-20 | 26833047 | Good | Ameritrade Holding Corp | TD Ameritrade IP Co Inc |
| US8005759B2 | 0.230 | 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 |
| US20050027983A1 | 0.230 | Integrated verification system | APPLICATION | 2005-02-03 | 2003-08-01 | 34104528 | Good | ||
| US20100094910A1 | 0.230 | 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 |
| US8060532B2 | 0.229 | 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 |
| US20090228990A1 | 0.229 | SYSTEM AND METHOD FOR PRIVACY PROTECTION USING IDENTIFIABILITY RISK ASSESSMENT | APPLICATION | 2009-09-10 | 2006-07-03 | 38878420 | Good | ||
| US20020165757A1 | 0.228 | Systems methods and computer program products for comparing business performance | APPLICATION | 2002-11-07 | 2001-05-01 | 25298674 | Good | ||
| US20110125924A1 | 0.226 | 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 |
| US20040133493A1 | 0.224 | Method and system for comprehensive real estate transaction management | APPLICATION | 2004-07-08 | 2002-11-04 | 32312667 | Good | DYNACONNECTIONS Inc | DYNACONNECTIONS Inc |
| EP2151793A1 | 0.223 | 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 |
| US20060195351A1 | 0.222 | 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 |
| US20050080761A1 | 0.222 | 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 |
| US7856203B2 | 0.222 | 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 |
| US20040138995A1 | 0.221 | 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 |
| US20030163435A1 | 0.221 | Credit repair services system | APPLICATION | 2003-08-28 | 2002-02-22 | 27753420 | Good | PAVONE BERNADINO | PAVONE BERNADINO, NATIONAL CREDIT EDUCATION AND REVIEW Inc |
| US20070205266A1 | 0.221 | Method and system for reporting identity document usage | APPLICATION | 2007-09-06 | 2003-10-17 | 46324993 | Good | Digimarc Corp | L 1 Secure Credentialing LLC |
| US20080109740A1 | 0.220 | 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 |
| US20080059352A1 | 0.220 | 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 |
| US20070055621A1 | 0.220 | 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 |
| US20020073017A1 | 0.219 | 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 |
| US20030009415A1 | 0.219 | Methods and systems for trading futures contracts for intangible assets | APPLICATION | 2003-01-09 | 2001-05-14 | 26687737 | Good | CFPH LLC | CFPH LLC |
| US20100082476A1 | 0.218 | COMPREHENSIVE METHOD FOR INCREASING CREDIT SCORES | APPLICATION | 2010-04-01 | 2008-10-01 | 42058497 | Good | ||
| US20060100954A1 | 0.218 | Automated trading system | APPLICATION | 2006-05-11 | 2004-08-13 | 34980401 | Good | EBS Group Ltd, NEX Group PLC | EBS Group Ltd, CME Group Inc |
| US20080015919A1 | 0.217 | 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 |
| US20050102209A1 | 0.216 | 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 |
| US5361201A | 0.215 | 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 |
| US20080228775A1 | 0.215 | Youth communities in a geo-spatial environment | APPLICATION | 2008-09-18 | 2007-03-15 | 39763695 | Good | Fatdoor Inc | Google LLC |
| US6286005B1 | 0.212 | 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 |
| US20090228295A1 | 0.212 | 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 | ||
| US8280789B2 | 0.211 | 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 |
| US20040111363A1 | 0.211 | 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 |
| US20040122681A1 | 0.210 | 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 |
| US20020032645A1 | 0.209 | System and method for score calculation | APPLICATION | 2002-03-14 | 2000-09-13 | 18768088 | Good | Hitachi Ltd | Hitachi Ltd |
| US20080312969A1 | 0.209 | SYSTEM AND METHOD FOR INSURANCE UNDERWRITING AND RATING | APPLICATION | 2008-12-18 | 2007-04-20 | 40133176 | Good | Carfax Inc | Carfax Inc |
| US20040153437A1 | 0.208 | 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 |
| US20070073577A1 | 0.208 | System and Method of Real Estate Market Growth Analysis and Display | APPLICATION | 2007-03-29 | 2004-02-27 | 46326502 | Good | Terradatum Inc | Terradatum Inc |
| US5857174A | 0.207 | 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 | ||
| US20050041812A1 | 0.206 | 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 |
| US20020165839A1 | 0.206 | Segmentation and construction of segmentation classifiers | APPLICATION | 2002-11-07 | 2001-03-14 | 23054219 | Good | Battelle Memorial Institute Inc | Battelle Memorial Institute Inc |
| US5809322A | 0.205 | 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 |
| US20060212386A1 | 0.204 | Credit scoring method and system | APPLICATION | 2006-09-21 | 2005-03-15 | 36992410 | Good | BRIDGEFORCE Inc, Global Analytics Inc | BRIDGEFORCE Inc, Global Analytics Inc |
| US7433864B2 | 0.204 | Compiling information obtained by combinatorial searching | GRANT | 2008-10-07 | 2004-04-08 | 35061770 | Good | AT&T Intellectual Property I LP | Google LLC |
| US20070136109A1 | 0.203 | Systems and Methods for Customizing Homeowner's Insurance | APPLICATION | 2007-06-14 | 2004-11-19 | 38169298 | Good | Allstate Insurance Co | Allstate Insurance Co |
| US6766304B2 | 0.202 | 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 |
| US20090254375A1 | 0.201 | 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 |
| US20100306834A1 | 0.201 | 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 |
| US20020087460A1 | 0.200 | Method for identity theft protection | APPLICATION | 2002-07-04 | 2001-01-04 | 26713902 | Good | ||
| US7249076B1 | 0.199 | 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 |
| US7797224B2 | 0.199 | Systems and methods for automatically backing out by orders | GRANT | 2010-09-14 | 2006-12-29 | 39585324 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US20050240578A1 | 0.199 | Litigation management system and method of providing the same | APPLICATION | 2005-10-27 | 2004-04-27 | 35137710 | Good | CASEKNOWLEDGE LLC | CASEKNOWLEDGE LLC |
| US20050010513A1 | 0.198 | 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 |
| US20140019333A1 | 0.197 | Methods and Systems for Segmentation Using Multiple Dependent Variables | APPLICATION | 2014-01-16 | 2007-03-12 | 49914827 | Good | VantageScore Solutions LLC | VantageScore Solutions LLC |
| US7711636B2 | 0.196 | 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 |
| US20030063782A1 | 0.195 | 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 |
| US20130246254A1 | 0.194 | 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 |
| US7873563B2 | 0.194 | Systems and methods for automatically backing out buy orders | GRANT | 2011-01-18 | 2006-12-29 | 39585323 | Good | Fiserv Inc | Fiserv Investment Solutions Inc |
| US4736751A | 0.194 | 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 |
| US8055579B2 | 0.193 | Methods and systems for score consistency | GRANT | 2011-11-08 | 2008-02-06 | 40932601 | Good | VantageScore Solutions LLC | VantageScore Solutions LLC |
| US7899757B1 | 0.193 | Mechanism for indicating and resolving the trust level of information | GRANT | 2011-03-01 | 2007-01-30 | 43617383 | Good | Intuit Inc | Intuit Inc |
| US20030161469A1 | 0.193 | Method and apparatus for embedding data in compressed audio data stream | APPLICATION | 2003-08-28 | 2002-02-25 | 27753112 | Good | Panasonic Corp | Panasonic Corp |
| US20100153290A1 | 0.193 | Methods of matching job profiles and candidate profiles | APPLICATION | 2010-06-17 | 2008-12-12 | 42241712 | Good | ||
| US7970796B1 | 0.191 | Method and system for importing data to a repository | GRANT | 2011-06-28 | 2006-12-01 | 44169491 | Good | Intuit Inc | Intuit Inc |
| US8225270B2 | 0.189 | Technique for managing the process of developing software | GRANT | 2012-07-17 | 2007-06-12 | 40133530 | Good | Intuit Inc | Intuit Inc |
| US7177441B2 | 0.189 | System and method for secret communication | GRANT | 2007-02-13 | 2002-12-09 | 32468530 | Good | International Business Machines Corp | International Business Machines Corp |
| US7672865B2 | 0.188 | 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 |
| US5563783A | 0.188 | 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 |
| US20020116247A1 | 0.187 | Public-initiated incident reporting system and method | APPLICATION | 2002-08-22 | 2001-02-15 | 26755232 | Good | ||
| US5884287A | 0.187 | 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 |
| US20040044615A1 | 0.186 | Multiple severity and urgency risk events credit scoring system | APPLICATION | 2004-03-04 | 2002-09-03 | 31977292 | Good | ||
| US20110029566A1 | 0.184 | PROVIDING AND MANAGING PRIVACY SCORES | APPLICATION | 2011-02-03 | 2009-07-31 | 43527986 | Good | International Business Machines Corp | International Business Machines Corp |
| US20140046872A1 | 0.181 | 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 |
| US7689451B2 | 0.180 | 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 |
| US20050102498A1 | 0.179 | Data storage and/or retrieval | APPLICATION | 2005-05-12 | 2003-11-07 | 34552049 | Good | Decru Inc | NetApp Inc |
| US8126820B1 | 0.178 | 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 |
| US7127424B2 | 0.178 | 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 |
| US20070124235A1 | 0.178 | Method and system for income estimation | APPLICATION | 2007-05-31 | 2005-11-29 | 38088686 | Good | Citicorp Trust Bank FSB | Citicorp Trust Bank FSB |
| US8260649B2 | 0.176 | 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 |
| US20110167011A1 | 0.175 | DYNAMIC EMPLOYEE SECURITY RISK SCORING | APPLICATION | 2011-07-07 | 2010-01-04 | 44225301 | Good | Bank of America Corp | Bank of America Corp |
| US20040199775A1 | 0.174 | 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 |
| US7280980B1 | 0.170 | Algorithm for explaining credit scores | GRANT | 2007-10-09 | 2000-08-01 | 38562228 | Good | Fair Isaac Corp | Fair Isaac Corp |
| US20040039688A1 | 0.170 | 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 |
| US7536329B2 | 0.168 | Method and apparatus for an incomplete information model of credit risk | GRANT | 2009-05-19 | 2003-01-17 | 32776040 | Good | Barra Inc | Barra Inc |
| US20030195830A1 | 0.166 | System method and framework for generating scenarios | APPLICATION | 2003-10-16 | 2002-04-12 | 30116416 | Good | Algorithmics International Corp | International Business Machines Corp |
| US20050108631A1 | 0.164 | Method of conducting data quality analysis | APPLICATION | 2005-05-19 | 2003-09-29 | 34576652 | Good | DATA INNOVATIONS | DATA INNOVATIONS |
| US20090157564A1 | 0.161 | System and Method for Selecting Securities for Investment | APPLICATION | 2009-06-18 | 2001-08-03 | 40029553 | Good | ||
| US7769657B2 | 0.160 | 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 |
| US20100030677A1 | 0.159 | FRAUD PREVENTION AND REPLACEMENT OF CREDIT/DEBIT CARDS - LOST STOLEN DEFECTIVE OR FRAUDULENTLY USED | APPLICATION | 2010-02-04 | 2008-03-08 | 41609310 | Good | ||
| US20080021802A1 | 0.158 | 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 |
| US7340060B2 | 0.154 | System and method for behavioural modelling | GRANT | 2008-03-04 | 2005-10-26 | 38042079 | Good | Black Box Intelligence Ltd | Black Box Intelligence Ltd |
| 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 |
| US20130006843A1 | 0.150 | QUANTATIVE DIVIDENDS METHOD AND SYSTEM | APPLICATION | 2013-01-03 | 2010-04-08 | 44763178 | Good | INVENTION CAPITAL LLP | INVENTION CAPITAL LLP |
| US20090258334A1 | 0.148 | Human amalgamation ratiocination process sublimation system | APPLICATION | 2009-10-15 | 2008-04-10 | 41164291 | Good | ||
| US3762316A | 0.146 | APPARATUS FOR RECORDING AND PROCESSING CREDIT TRANSACTION DATA | GRANT | 1973-10-02 | 1971-04-07 | 22452219 | Good | ||
| US6195738B1 | 0.145 | Combined associative processor and random access memory architecture | GRANT | 2001-02-27 | 1993-12-12 | 43706126 | Good | Associative Computing Ltd | Gsi Technology Israel Ltd |
| US20040019549A1 | 0.144 | Method for estimating whether a stock is over-valued or under-valued | APPLICATION | 2004-01-29 | 2002-07-26 | 30770158 | Good | ||
| US6115694A | 0.144 | Method for validating specified prices on real property | GRANT | 2000-09-05 | 1995-08-25 | 24068063 | Good | General Electric Co | General Electric Co |
| US20010037289A1 | 0.142 | 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 | ||
| US20040030574A1 | 0.140 | System and method of warranting products monitored for proper use | APPLICATION | 2004-02-12 | 2002-08-01 | 31498648 | Good | ||
| US7418417B2 | 0.138 | 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 |
| US7403919B2 | 0.136 | 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 |
| US20030105646A1 | 0.135 | Warranty method and system | APPLICATION | 2003-06-05 | 2001-09-20 | 23259740 | Good | ||
| US5148365A | 0.134 | Scenario optimization | GRANT | 1992-09-15 | 1989-08-15 | 23557475 | Good | International Business Machines Corp | International Business Machines Corp |
| US6173260B1 | 0.130 | 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 |
| US20040044617A1 | 0.126 | Methods and systems for enterprise risk auditing and management | APPLICATION | 2004-03-04 | 2002-09-03 | 34192945 | Good | ||
| US20070294195A1 | 0.117 | 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 | ||
| US20050171884A1 | 0.115 | 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 |
| US5038782A | 0.103 | 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 |
| US20040030629A1 | 0.102 | 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 |
| US6202053B1 | 0.094 | 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 |
| US20040193535A1 | 0.085 | Global failure risk score | APPLICATION | 2004-09-30 | 2003-03-26 | 32989093 | Good | Dun and Bradstreet Inc | Dun and Bradstreet Inc |
| US20080162236A1 | 0.084 | Method for trust management in complex organizations | APPLICATION | 2008-07-03 | 2006-12-28 | 39585258 | Good | ||
| US20010039523A1 | 0.082 | 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 |
| 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 | ||
| 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 | ||
| GB2478304A | NR | Secure financial transaction for gift voucher system | GRANT | 2011-09-07 | 2010-03-02 | 42125847 | Good | ENRIA Ltd | ENRIA Ltd |
| 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 |
| US8490126B2 | 0.652 | 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 | 0.644 | 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 |
| US7305233B2 | 0.624 | Method and apparatus for image distribution using a cellular phone | GRANT | 2007-12-04 | 2004-05-27 | 35426031 | Fair | Exclaim Inc | Synchronoss Technologies Inc |
| US7711707B2 | 0.598 | 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 |
| US8037097B2 | 0.586 | 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 |
| EP1376398A2 | 0.578 | Proxy server apparatus and method for providing service using the same | GRANT | 2004-01-02 | 2002-06-21 | 29717539 | Fair | Hitachi Ltd | Hitachi Ltd |
| US6085242A | 0.574 | 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 |
| US6073140A | 0.567 | 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 |
| US7809398B2 | 0.563 | 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 |
| US20020111942A1 | 0.561 | 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 |
| US20080109528A1 | 0.553 | Method of Providing Content to a Wireless Computing Device | APPLICATION | 2008-05-08 | 2004-12-06 | 34073237 | Fair | Omnifone Ltd | Omnifone Ltd |
| US6810323B1 | 0.543 | 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 |
| US20070220092A1 | 0.540 | 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 |
| US6072894A | 0.538 | Biometric face recognition for applicant screening | GRANT | 2000-06-06 | 1997-10-17 | 25493931 | Fair | Hanger Solutions LLC | Rateze Remote Mgmt LLC |
| US7941560B1 | 0.538 | Client caching of target addresses for network requests | GRANT | 2011-05-10 | 2006-07-14 | 43928365 | Fair | Intuit Inc | Intuit Inc |
| US20070224980A1 | 0.538 | 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 |
| US20120195412A1 | 0.534 | METHOD OF RETRIEVING SERVICE INFORMATION | APPLICATION | 2012-08-02 | 2009-09-30 | 41727992 | Fair | British Telecommunications PLC | British Telecommunications PLC |
| US6775519B1 | 0.527 | 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 |
| US8041127B2 | 0.517 | 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 |
| US20060253620A1 | 0.512 | 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 |
| US6629245B1 | 0.506 | 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 |
| US6704409B1 | 0.504 | 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 |
| US6847974B2 | 0.503 | 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 |
| US8194956B2 | 0.498 | 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 |
| US5077582A | 0.498 | PHOTOCOPY MONITORING SYSTEM | GRANT | 1991-12-31 | 1988-05-17 | 26890318 | Fair | Monitel Products Corp | Imaging Portals Inc, International Printer Corp |
| US20090280467A1 | 0.494 | PLATFORM AND METHOD FOR AUTOMATED PHONE EDUCATION | APPLICATION | 2009-11-12 | 2008-05-12 | 41267151 | Fair | ||
| US20020103933A1 | 0.486 | Internet-access enabled device personalization | APPLICATION | 2002-08-01 | 2001-01-29 | 25088087 | Fair | BLINKCOM | BLINKCOM |
| US9183377B1 | 0.486 | Unauthorized account monitoring system and method | GRANT | 2015-11-10 | 2008-06-18 | 54363500 | Fair | Symantec Corp | CAI Software LLC |
| US7870491B1 | 0.483 | System and method for user support based on user interaction histories | GRANT | 2011-01-11 | 2007-04-27 | 43415755 | Fair | Intuit Inc | Intuit Inc |
| US7013310B2 | 0.478 | Method and apparatus for retrieving and processing data | GRANT | 2006-03-14 | 2002-01-03 | 21910325 | Fair | Cashedge Inc | CheckFree Services Corp |
| US8051074B2 | 0.478 | Method of controlling display of comments | GRANT | 2011-11-01 | 2007-09-12 | 40433017 | Fair | NHN Corp | NHN Corp |
| US7046139B2 | 0.468 | 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 |
| US20080291932A1 | 0.466 | Multi-protocol digital convergent system | APPLICATION | 2008-11-27 | 2007-05-22 | 40072340 | Fair | ||
| US8768914B2 | 0.463 | 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 |
| US7787869B2 | 0.462 | 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 | 0.461 | 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 |
| US20060240806A1 | 0.460 | Data security device | APPLICATION | 2006-10-26 | 2001-07-18 | 37187575 | Fair | Data Transfer and Communications Ltd | Data Transfer and Communications Ltd |
| US5774885A | 0.459 | 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 |
| US5197094A | 0.458 | SYSTEM FOR REMOTELY CREDITING AND BILLING USAGE OF ELECTRONIC ENTERTAINMENT MACHINES | GRANT | 1993-03-23 | 1990-06-15 | 24148624 | Fair | Arachnid Inc | Arachnid Inc |
| US20110252071A1 | 0.449 | Cloud Based Operating and Virtual File System | APPLICATION | 2011-10-13 | 2010-02-22 | 44761697 | Fair | Barracuda Networks Inc | Barracuda Networks Inc |
| US7577934B2 | 0.449 | Framework for modeling and providing runtime behavior for business software applications | GRANT | 2009-08-18 | 2003-03-12 | 32824834 | Fair | Microsoft Corp | ServiceNow Inc |
| WO2001009752A2 | 0.448 | 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 | ||
| US6970183B1 | 0.447 | Multimedia surveillance and monitoring system including network configuration | GRANT | 2005-11-29 | 2000-06-14 | 35405215 | Fair | e-Watch Inc | e-Watch Inc |
| US20090210807A1 | 0.444 | 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 |
| US6026440A | 0.444 | 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 |
| US8131777B2 | 0.442 | Method for client-side personalization | GRANT | 2012-03-06 | 2000-06-02 | 34221012 | Fair | Open Text SA | Open Text SA |
| US20060223043A1 | 0.441 | 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 |
| US5612683A | 0.438 | Security key holder | GRANT | 1997-03-18 | 1994-08-26 | 23142406 | Fair | ||
| US7630941B2 | 0.438 | 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 |
| US6055570A | 0.435 | Subscribed update monitors | GRANT | 2000-04-25 | 1997-04-03 | 25246987 | Fair | Sun Microsystems Inc | Oracle America Inc |
| US8432275B2 | 0.432 | Mobile device safety | GRANT | 2013-04-30 | 2008-01-10 | 40850140 | Fair | Cisco Technology Inc | Cisco Technology Inc |
| US7925982B2 | 0.432 | System and method of overlaying and integrating data with geographic mapping applications | GRANT | 2011-04-12 | 2006-09-01 | 39136950 | Fair | ||
| US5640577A | 0.426 | 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 |
| US20110023115A1 | 0.426 | HOST INTRUSION PREVENTION SYSTEM USING SOFTWARE AND USER BEHAVIOR ANALYSIS | APPLICATION | 2011-01-27 | 2009-07-21 | 43498433 | Fair | Sophos Ltd | Sophos Ltd |
| US7965275B1 | 0.426 | User interface for lenient exception feedback | GRANT | 2011-06-21 | 2006-01-13 | 44147786 | Fair | Intuit Inc | Intuit Inc |
| US7380137B2 | 0.425 | 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 |
| US6202067B1 | 0.425 | 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 |
| US6334778B1 | 0.419 | Remote psychological diagnosis and monitoring system | GRANT | 2002-01-01 | 1994-04-26 | 27574284 | Fair | Health Hero Network Inc | Robert Bosch Healthcare Systems Inc |
| US20040225643A1 | 0.417 | Progressive relaxation of search criteria | APPLICATION | 2004-11-11 | 2003-05-08 | 33416810 | Fair | Oracle International Corp | Oracle International Corp |
| US6703930B2 | 0.417 | Personal alerting apparatus and methods | GRANT | 2004-03-09 | 2001-10-05 | 29216380 | Fair | Hewlett Packard Development Co LP | INNOVATIVE BUILDING MANAGEMENT SYSTEMS Inc |
| US5034807A | 0.417 | 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 |
| US7016907B2 | 0.417 | Enumerated roles in a directory system | GRANT | 2006-03-21 | 2001-05-29 | 25349922 | Fair | Sun Microsystems Inc | Oracle America Inc |
| US7904899B2 | 0.416 | Third-party customization of a configuration file | GRANT | 2011-03-08 | 2006-06-20 | 38862973 | Fair | Intuit Inc | Intuit Inc |
| US7685209B1 | 0.415 | 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 |
| US20040141005A1 | 0.415 | 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 |
| US6233588B1 | 0.414 | 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 |
| US20090147774A1 | 0.413 | Multimedia interactive telephony services | APPLICATION | 2009-06-11 | 2007-10-30 | 40721608 | Fair | CounterPath Corp | CounterPath Corp |
| US7810152B2 | 0.412 | 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 |
| US20050080796A1 | 0.410 | Data synchronization between distributed computers | APPLICATION | 2005-04-14 | 2003-10-10 | 29433683 | Fair | International Business Machines Corp | International Business Machines Corp |
| US10796111B2 | 0.409 | Determining an environmental condition of an RFID tag | GRANT | 2020-10-06 | 2009-08-01 | 65138270 | Fair | RFMicron Inc | RFMicron Inc |
| US5423033A | 0.406 | Report generation system and method | GRANT | 1995-06-06 | 1992-09-30 | 25495282 | Fair | Intuit Inc | Intuit Inc |
| US6898279B1 | 0.405 | 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 |
| US7620653B1 | 0.401 | 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 |
| US10057609B2 | 0.401 | 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 |
| US20030214775A1 | 0.398 | 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 |
| US7788040B2 | 0.397 | 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 |
| US20020133504A1 | 0.397 | Integrating heterogeneous data and tools | APPLICATION | 2002-09-19 | 2000-10-27 | 22921400 | Fair | ENTIGEN Corp | ENTIGEN Corp |
| US8024660B1 | 0.396 | 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 |
| US8386966B1 | 0.393 | Real-time tracking of user-application interaction | GRANT | 2013-02-26 | 2010-07-22 | 47721372 | Fair | Intuit Inc | Intuit Inc |
| US6804346B1 | 0.393 | Staged predictive dialing system | GRANT | 2004-10-12 | 1999-07-13 | 33102067 | Fair | Interactive Intelligence Inc | Genesys Telecommunications Laboratories Inc |
| US8229911B2 | 0.391 | Network search engine utilizing client browser activity information | GRANT | 2012-07-24 | 2008-05-13 | 41317106 | Fair | Enpulz LLC | PayPal 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 |
| US6523021B1 | 0.388 | Business directory search engine | GRANT | 2003-02-18 | 2000-07-31 | 24522313 | Fair | Microsoft Corp | Microsoft Technology Licensing LLC |
| US6182068B1 | 0.388 | Personalized search methods | GRANT | 2001-01-30 | 1997-08-01 | 27365894 | Fair | Ask Jeeves Inc | IAC Search and Media Inc |
| US8423285B2 | 0.387 | 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 |
| US6339790B1 | 0.387 | 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 |
| US6832229B2 | 0.386 | 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 |
| US6230188B1 | 0.385 | 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 |
| WO2001057720A2 | 0.382 | AUTOMATED CLIENT-SERVER DATA VALIDATION | APPLICATION | 2001-08-09 | 2000-02-04 | 22660471 | Fair | ||
| US20080059447A1 | 0.381 | 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 |
| US6826707B1 | 0.379 | Apparatus and method for remote data recovery | GRANT | 2004-11-30 | 1996-06-18 | 27099802 | Fair | Kroll Ontrack Inc | Kroll Ontrack Inc |
| US9513375B2 | 0.379 | 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 |
| US6149441A | 0.378 | Computer-based educational system | GRANT | 2000-11-21 | 1998-11-06 | 22685877 | Fair | Technology for Connecticut Inc | Technology for Connecticut Inc |
| US6647383B1 | 0.376 | 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 |
| US7388606B2 | 0.375 | 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 | ||
| US20040254935A1 | 0.375 | 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 |
| US8423563B2 | 0.375 | System and methodology for name searches | GRANT | 2013-04-16 | 2003-10-16 | 34526209 | Fair | Sybase Inc | Sybase Inc |
| US20050125397A1 | 0.374 | Transparent search engine | APPLICATION | 2005-06-09 | 2003-12-04 | 34676690 | Fair | PERFECT MARKET TECHNOLOGIES Inc | PERFECT MARKET TECHNOLOGIES Inc |
| WO2006050278A2 | 0.374 | SEARCH SYSTEM AND METHODS WITH INTEGRATION OF USER JUDGMENTS INCLUDING TRUST NETWORKS | APPLICATION | 2006-05-11 | 2004-10-28 | 36319745 | Fair | ||
| US20070220581A1 | 0.374 | NETWORK TYPE TELEVISION VIDEO RECORDER | APPLICATION | 2007-09-20 | 2006-02-24 | 38519551 | Fair | APPRO Tech Inc | APPRO Tech Inc |
| US5884302A | 0.373 | System and method to answer a question | GRANT | 1999-03-16 | 1996-12-02 | 25053539 | Fair | Hanger Solutions LLC | IP LEARN Inc, ProfessorQ Inc |
| US5537618A | 0.373 | Method and apparatus for implementing user feedback | GRANT | 1996-07-16 | 1993-12-23 | 22634244 | Fair | Diacom Tech Inc | Intellectual Ventures Fund 83 LLC |
| US7357305B2 | 0.372 | Bill delivery apparatus for wall-type automated-teller machine | GRANT | 2008-04-15 | 2004-06-29 | 35504536 | Fair | Nautilus Hyosung Inc | Nautilus Hyosung Inc |
| US20050226224A1 | 0.372 | 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 |
| US20070219966A1 | 0.371 | DIRECTORY HAVING MULTIPLE LISTING TYPES | APPLICATION | 2007-09-20 | 2006-03-14 | 38519137 | Fair | WHITEPAGESCOM Inc | WHITEPAGESCOM Inc |
| US8155950B1 | 0.371 | 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 |
| US7280983B2 | 0.369 | 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 |
| EP1239378A2 | 0.367 | 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 |
| US20100023506A1 | 0.367 | 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 |
| US6738804B1 | 0.367 | 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 |
| US20090300604A1 | 0.366 | 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 |
| US6145088A | 0.363 | Apparatus and method for remote data recovery | GRANT | 2000-11-07 | 1996-06-18 | 24680372 | Fair | Ontrack Data International Inc | Kroll Ontrack Inc |
| US7075571B1 | 0.363 | 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 |
| US7987173B2 | 0.362 | Systems and methods of handling internet spiders | GRANT | 2011-07-26 | 2009-08-25 | 43626498 | Fair | Vizibility Inc | VIZIBILITY LLC |
| US7904447B1 | 0.360 | 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 |
| US7664725B2 | 0.359 | 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 |
| US20030050929A1 | 0.359 | Automated creation and delivery of database content | APPLICATION | 2003-03-13 | 2001-08-16 | 26913201 | Fair | Sentius Corp | Sentius International LLC |
| 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 |
| US8099376B2 | 0.356 | Rule-based management of adaptive models and agents | GRANT | 2012-01-17 | 2007-02-22 | 39717045 | Fair | Fair Isaac Corp | Fair Isaac Corp |
| US7831609B1 | 0.356 | 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 |
| US8250081B2 | 0.353 | 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 |
| US20030065525A1 | 0.351 | Systems and methods for providing beauty guidance | APPLICATION | 2003-04-03 | 2001-10-01 | 26698669 | Fair | LOreal SA | LOreal SA |
| US20050160062A1 | 0.350 | Method to report personal security information about a person | APPLICATION | 2005-07-21 | 2004-01-16 | 34753081 | Fair | SAFE PLACES LLC | SAFE PLACES LLC |
| US6473808B1 | 0.349 | 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 |
| US7672944B1 | 0.349 | 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 |
| US20050086261A1 | 0.346 | Child locator apparatus and method | APPLICATION | 2005-04-21 | 2003-10-20 | 34521351 | Fair | ||
| US6754564B2 | 0.346 | Integrated vehicle information system | GRANT | 2004-06-22 | 2001-01-30 | 25092377 | Fair | ||
| US7908242B1 | 0.345 | Systems and methods for optimizing database queries | GRANT | 2011-03-15 | 2005-04-11 | 43708207 | Fair | Experian Information Solutions LLC | Experian Information Solutions LLC |
| US20080072316A1 | 0.340 | DYNAMICALLY CONFIGURING EXTENSIBLE ROLE BASED MANAGEABLE RESOURCES | APPLICATION | 2008-03-20 | 2006-08-29 | 39190210 | Fair | International Business Machines Corp | International Business Machines Corp |
| US7103602B2 | 0.340 | System and method for data management | GRANT | 2006-09-05 | 2000-08-31 | 22863013 | Fair | Kroll Ontrack Inc | Kroll Ontrack Inc |
| US6347375B1 | 0.339 | 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 |
| US20070156692A1 | 0.339 | Essential data communication system | APPLICATION | 2007-07-05 | 2004-02-25 | 34916861 | Fair | ||
| US20020033846A1 | 0.338 | 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 | ||
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| JP2009140035A | NR | SETTLEMENT SYSTEM CAPABLE OF USING A PLURALITY OF SETTLEMENT APPLICATIONS | APPLICATION | 2009-06-25 | 2007-12-04 | 40870611 | Fair | ||
| JP2008262355A | NR | COMMUNICATION MANAGEMENT DEVICE AND SETTLEMENT METHOD FOR PRICE USING COMMUNICATION TERMINAL | APPLICATION | 2008-10-30 | 2007-04-11 | 39984789 | Fair | ||
| JP2007193493A | NR | SETTLEMENT SYSTEM TERMINAL AND SETTLEMENT METHOD | APPLICATION | 2007-08-02 | 2006-01-18 | 38449154 | Fair | ||
| JP2005251056A | NR | SETTLEMENT SYSTEM SETTLEMENT TERMINAL AND SETTLEMENT CONFIRMATION METHOD | APPLICATION | 2005-09-15 | 2004-03-08 | 35031453 | Fair | ||
| JP2005208945A | NR | PERSONNEL SEARCH SYSTEM SERVER AND METHOD PROGRAM AND RECORDING MEDIUM | APPLICATION | 2005-08-04 | 2004-01-22 | 34900580 | Fair | ||
| JP2005115706A | NR | CHARGE SETTLEMENT SYSTEM | APPLICATION | 2005-04-28 | 2003-10-08 | 34541766 | Fair | ||
| JP2003316950A | NR | SYSTEM AND METHOD FOR CREDIT EVALUATION | APPLICATION | 2003-11-07 | 2002-04-23 | 29536423 | Fair | ||
| JP2003016261A | NR | TOTAL FINANCING MANAGING SYSTEM CREDIT SCORING DECIDING SYSTEM AND CREDIT GUARANTEE MANAGING SYSTEM | APPLICATION | 2003-01-17 | 2001-07-05 | 19040916 | Fair | ||
| JP2002279320A | NR | METHOD AND DEVICE FOR SETTLING BY CREDIT BY MOBILE PHONE | APPLICATION | 2002-09-27 | 2001-03-15 | 18931089 | Fair | ||
| JP2002163449A | NR | METHOD AND SYSTEM FOR FINANCING AND EVALUATING METHOD FOR TECHNOLOGY-SECURED CREDIT | APPLICATION | 2002-06-07 | 2000-11-29 | 18833730 | Fair | ||
| JP2001282957A | NR | SYSTEM AND METHOD FOR ANALYZING CREDIT RISK | APPLICATION | 2001-10-12 | 2000-03-29 | 18607845 | Fair | ||
| GB2399670A | NR | Child's distance monitor alarm | GRANT | 2004-09-22 | 2003-03-15 | 9954872 | Fair | ||
| EA017178B1 | NR | UNIFORM SYSTEM OF IDENTIFICATION OF ARTICLES PRODUCTION OR SERVICES "ORIGINAL" AND METHOD FOR IDENTIFICATION THEREOF | GRANT | 2012-10-30 | 2010-06-08 | 45491165 | Fair | ||
| CN101044489A | NR | Verifying binding of an initial trusted device to a secured processing system | GRANT | 2007-09-26 | 2004-10-21 | 34970960 | Fair |
 |  |
Validity Report Full Report
US8438063B2 — Mobile payment using picture messaging Priority Date: 2010-08-31, Publication Date: 2013-05-07, Current Assignee: AT&T Intellectual Property I LPReport Generated: 2021-06-28