| Class / Patent application number | Description | Number of patent applications / Date published |
|---|
| 705140180 | Investment account | 15 |
| 20100010888 | METHODS AND SYSTEMS FOR OFFERING PURCHASE INCENTIVES - One embodiment of the present invention advantageously provides rebates in association with purchases. These rebates are then automatically apportioned and distributed into various accounts, such as charitable and investment accounts, in accordance with the purchaser's directives. | 01-14-2010 |
| 20100082417 | DATABASE FOR FINANCIAL MARKET DATA STORAGE AND RETRIEVAL - A multi-session write-once computer tick database operable to store financial market data or “tick data.” The tick database stores market information regarding discrete market transactions in individual ticks. For example, information related to stock trades, and quotes may be stored in the database. The individual ticks vary in length dependent on the information available regarding the particular transaction. Null values are not stored in the database. Various field identifiers may be stored in the tick to identify the various metrics or parameters relevant to the transaction that are also stored in the tick. In various embodiments, one metric or parameter is associated with each field identifier. Different transactions may have different number of field identifiers stored within the tick, accordingly, different ticks may differ in length. The information stored within the ticks may be subsequently retrieved. When market data is retrieved using the embedded three-part hierarchal key structure, it may be stored in a cache associated with the tick database. The stored market data may be retrieved from the cache during subsequent requests. | 04-01-2010 |
| 20100082418 | AWARD SYSTEM WITH INCREASED PAYOUT OPTIONS - A cash rebate award system with increased payout options is presented, wherein a consumer using a financial alternative to currency is rewarded based on the purchases made by the consumer within a given time frame, and is allowed to electronically transfer the award into any number of banking or investment accounts. A standard electronic currency transfer system, such as the ABA routing number system, or the ACH routing system, can be used so as not to limit the accounts into which the consumer can transfer their award. Consumers can also choose to transfer their award to multiple accounts, or accounts belonging to others, such as family or charities. Account information can also be saved for more efficient subsequent transfers, and automated transfers can also be set up by the consumer. | 04-01-2010 |
| 20100106586 | SYSTEM AND METHOD FOR DETERMINING POSITIVE CONSUMER BEHAVIOR BASED UPON STRUCTURAL RISK - The system evaluates a set of incentives based upon a variety of factors and/or predetermined rules and consumers are provided incentives when they satisfy one or more criteria of making payments for their transaction accounts. The one or more criteria include making an early payment, paying more than a minimum amount due, and making the payment through an automatic payment scheme. If a received payment satisfies one or more predefined criteria, one or more incentives are selected for the consumer, tracked, and provided to the consumer. The system analyzes payment information to determine attributes and positive (desirable) behavior and provides incentives to the consumer based on such positive behaviors. | 04-29-2010 |
| 20100198672 | METHODS, APPARATUSES AND ARTICLE OF MANUFACTURES FOR INCENTIVIZING PARTICIPANTS TO TRADE ON A MARKETPLACE - A method, apparatus, and article of manufacture for incentivizing a plurality of participants to exchange goods or services on a marketplace. In one embodiment, at least one warrant is issued a participant who trades on the marketplace. The warrant is issued in accordance to an agreement among the plurality of participants. The warrant provides the participant with a right for converting the warrant into at least one ownership share of the marketplace. The right is conditioned on the participant's performance on the marketplace. The participant's performance on the marketplace is determined by the system, and is used to determine a quantity of warrants that may be converted into the at least one ownership share of the marketplace. The quantity of warrants that may be converted is outputted and communicated to the participant. | 08-05-2010 |
| 20100217659 | METHODS AND SYSTEMS FOR PROVIDING CROSSING MARKETS - Methods and systems for providing and implementing crossing markets are provided. These methods and systems preferably include facilitating trading at crossing markets by establishing crossing market trading rules, incentivizing crossing market participants, and improving the efficiency of crossing market trading. | 08-26-2010 |
| 20100250355 | Redemption of Reward Points as Cash and Deposit of Cash to Checking, Savings or Other Accounts - Systems and methods of redeeming reward points for cash and depositing the cash to a checking or savings account of a user is presented. In some arrangements, the user will input account information relating to one or more checking or savings accounts. The information may be stored by the system. The user may select to redeem some or all of the reward points in his or her reward account balance as cash. Upon selection of this option, the user may select one or more of the saved accounts to which the funds will be deposited. In some arrangements, the redemption may occur automatically upon occurrence of a triggering event or meeting a predetermined threshold. | 09-30-2010 |
| 20100250356 | Electronic incentivie methods and systems for enabling carbon credit rewards and interactive participation of individuals and groups within the system - This invention relates generally to electronic commerce (e-commerce) systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via the use of electronic coupons, and more particularly a method and system for aggregating and distributing carbon reduction credits in connection with the creation and/or use of electronic coupons or virtual electronic rebates (VeeBates) and permitting individuals and groups within one or more social communications networks to participate in and transmit information to others about their activities related to the virtual advertising, incentives, redemption and promotion and aggregate carbon credits in connection therewith, either as part of the incentive or aggregation by the incentive promoter as part of its activities in reducing its carbon footprint. | 09-30-2010 |
| 20110087532 | VENTURE FUND INVESTING POINTS CARD - A process of controlling transaction cards to provide benefits of a rewards program contribution to a venture fund, which serves to identify potential investors through an application process for financial transaction card offerings, allowing recipients of the venture card to make purchases of products and services using the venture fund card, and taking a portion of the transaction value of a transaction to be used by one or more venture funds. Venture fund card activity statements to individual cardholders can include additional information regarding fund or funds in which the cardholder has invested or potential investment opportunities. Cardholders could be provided with an option to increase holdings in a particular venture fund associated with the venture fund card, or to liquidate investments in the associated venture funds. | 04-14-2011 |
| 20120116857 | System And Method For Converting Points Linked With Purchases Using Card Transactions Into Annuities - Disclosed are a system and a method for accumulating, as funds for individual annuities for each customer, points acquired as a result of goods purchased at participating stores by customers who have concluded contracts to make payments by credit card. A system management computer ( | 05-10-2012 |
| 20120203608 | SYSTEMS AND METHODS FOR PROVIDING LOYALTY AWARDS OF STOCK - A system and method of providing promotional rewards of stock in a company to customers who engage in a promotional activity, wherein the promotional reward is a fractional share of stock that is transferred to the customer. | 08-09-2012 |
| 20120203609 | SYSTEM AND METHOD FOR A RETAIL AND INVESTMENT APPLICATION - A system for an Internet-based retail and investment platform includes a bank application and a retail market platform. All transactions between the bank application and the retail market platform utilize a system specific currency, which is issued by the bank. Customers open bank accounts with funds in the system specific currency and make payments for the purchase of goods and services offered through the retail market platform with the system specific currency. Goods and services are offered at a discounted price by the merchants that subscribe to the retail merchant. The discount is based on the difference between retail price and wholesale price. In return for the discount, the merchants receive access to value-added services. The discounts generate profits that are distributed to the system users as dividends. | 08-09-2012 |
| 20140108114 | System for Providing Conditional User Awards - A long term goal oriented commercial promotion system is disclosed. A user is enabled to set up a trust account on the system to accumulate the financial incentives under the condition of a long term goal. The long term goal includes supporting college education, supporting retirement, staring a business, or patenting an innovation. A user performance includes various commercial activities required by a merchant. | 04-17-2014 |
| 20150046241 | Universal Value Exchange Multipoint Transactions Apparatuses, Methods and Systems - The UNIVERSAL VALUE EXCHANGE MULTIPOINT TRANSACTIONS APPARATUSES, METHODS AND SYSTEMS (“UVEMT”) transform cross-ecosystem currency exchange instructions via UVEMT components into cross-ecosystem currency exchanges. In one embodiment, the UVEMT may obtain a cross-ecosystem currency exchange instruction and determine one or more sources and destinations based on parsing the cross-ecosystem currency exchange instruction. The UVEMT may identify currency types associated with the sources and the destinations and determine exchange rates of the currency types relative to a standard currency. In one implementation, the UVEMT may obtain currency exchange restrictions and conditions associated with the sources and the destinations and generate a currency exchange flow path for currency transfer from the sources to the destinations. The UVEMT may also issue currency transfer requests to the sources and the destinations, determine that the cross-ecosystem currency exchange has been completed and provide a notification of completion of the cross-ecosystem currency exchange. | 02-12-2015 |
| 20160098739 | System and Method for Shareholder Investment - A shareholder investment system and method is provided. At least certain embodiments relate to processing of loyalty rewards such as rewards generated via the use of credit cards, debit cards, prepaid cards, etc. A payment processing system for financial transactions is enhanced to support reward transactions. The reward communications can be processed over the payment processing system together with payment transactions. Consumer's can accumulate monetary value associated with the rewards in a rewards account. The rewards are based on awards provided by conducting transactions using a rewards account associated with a shareholder rewards program or by conducting transactions with particular merchants participating in the rewards program. The accumulated monetary value can then be used for purchase of shares of stock of participating merchants. | 04-07-2016 |
