The application is related to co-pending applications, U.S. application Ser. No. 14/790,222 (titled “System and Method for Implementing Payment with a Mobile Payment Device”) and U.S. application Ser. No. 14/790,141 (titled “System and Method for Assisting Customers Achieve Purchase Goals”), both filed concurrently on Jul. 2, 2015, the contents of which are incorporated herein in their entirety.
The invention relates generally to a system and method for increasing the credit worthiness of account holders, and more particularly to a system and method for providing automated recommendations, educational materials, and feedback to account holders to assist them in enhancing their credit worthiness.
Individuals who are first time card holders, just entering the work force, or have no established credit behavior, typically do not have many choices for obtaining a credit card. In some cases, they may need to start with a prepaid card or debit card before being offered a credit card. The first credit card they are offered may provide them with only a small credit limit and few other features or benefits. Hence, the card holder may perceive the card to be less than desirable and may wish to close the account as soon as a better, more prestigious credit card is available. In such case, the issuing bank may lose a customer with good long term potential.
Some younger generation individuals may also have difficulty establishing a good credit score because they are not familiar with the types of specific behaviors that are relevant to the calculation of a credit score. Hence, out of ignorance, they engage in spending and payment practices that do little to enhance their credit score, or that in fact decrease their credit score. This type of behavior increases the likelihood that such account holder will jump to a different financial institution in pursuit of a better card.
Current systems therefore leave much to be desired in terms of assisting and coaching younger card holders in engaging in behaviors to steadily increase their credit score, be eligible for better card products, and retaining customers over the long term.
According to one embodiment, the invention relates to a computer-implemented system and method for helping customers build up their credit score and financial knowledge through tips, personalized message, coaching and actionable data from their transactions and data from their peer set. The method may be conducted on a specially programmed computer system comprising one or more computer processors, mobile devices, electronic storage devices, and networks.
The invention also relates to a computer implemented system for helping customers build up their credit score, and to a computer readable medium containing program instructions for executing a method for increasing the creditworthiness of an account holder. According to an embodiment of the present invention, the system includes a digital card comprising: a memory that stores data associated with an account and a user; a sensor that detects a user's fingerprint to identify the user; a display on the digital card that displays an identification associated with the user and a card number upon activation of the digital card responsive to the user's fingerprint; a microprocessor, coupled to the memory, sensor and the display, programmed to perform the following: monitor spend activity on the digital card; determine the user's credit worthiness based at least in part on the monitored spend activity; and automatically update the display on the digital card responsive to the user's credit worthiness and spend activity.
According to the system of an embodiment of the present invention, the digital card is linked to a mobile device of the user and further linked to the user's financial account. The mobile device provides customized recommendation for spending with the digital card and also display educational information for achieving credit goals.
According to another embodiment of the present invention, a mobile device that provides credit worthiness data to a user based on user transaction data, comprises: a memory that stores data associated with an account and a user; a microprocessor, coupled to the memory, programmed to perform the following: detect spend activity on a customer payment instrument associated with the mobile device; identify the user's credit worthiness based at least in part on the monitored spend activity; provide customized education information concerning the user's credit worthiness; and automatically identify customized recommendations for spend, responsive to the user's credit worthiness and spend activity.
The computer implemented system, method and medium described herein can provide the advantage of helping account holders reach financial goals, according to various embodiment of the invention. Another advantage that can be provided is customer loyalty and retention due to the increased satisfaction of the account holder. The system provides a customized digital card that changes as the customer matures and evolves. That type of experience may enhance loyalty to the financial institution much more than a conventional credit or debit card with base level benefits and a low credit line. These and other advantages will be described more fully in the following detailed description.
In order to facilitate a fuller understanding of the present invention, reference is now made to the attached drawings. The drawings should not be construed as limiting the present invention, but are intended only to illustrate different aspects and embodiments of the invention.
The following description is intended to convey an understanding of the present invention by providing specific embodiments and details. It is understood, however, that the present invention is not limited to these specific embodiments and details, which are exemplary only. It is further understood that one possessing ordinary skill in the art, in light of known systems and methods, would appreciate the use of the invention for its intended purposes and benefits in any number of alternative embodiments, depending upon specific design and other needs.
An embodiment of the present invention is directed to helping customers build up their credit score and financial knowledge through tips, personalized message, coaching and actionable data from their transactions and data from their peer set. According to an embodiment of the present invention, a system and method provides automated recommendations, educational materials, and feedback to account holders to assist them in enhancing their credit worthiness. An embodiment of the present invention is directed to a physical payment mechanism (e.g., a digital card) that adjusts as the customer spends, matures and evolves. For example, a new customer may start off with a basic credit card and in response to the customer's spending habits and good credit history, the basic credit card can evolve into a customized credit card with powerful benefits. The digital card may also pair with a mobile device of the customer to enable quick, real-time feedback in-store and peer-to-peer payments.
An embodiment of the present invention is directed to a digital card that grows with the customer, with timely content on building credit, healthy spending habits and getting the most out of the card. As a customer builds his credit, the customer may level up to more sophisticated modifications to the digital card with higher spend limits, better benefits, and new goal-setting features. Cardholders may also receive progress notifications and alerts to keep the cardholder on track.
For example, a customer may start off with a basic blank digital card. Upon customer recognition (e.g., fingerprint recognition, voice recognition, facial recognition, swipe pattern, etc.), the digital card will get activated. Other types of recognition and/or authentication may be implemented.
By placing a customer's thumb on the digital card, the customer's card will turn on. The customer's name, credit card number, expiration date may be displayed. When the customer makes a payment for a purchase, the digital card may temporarily change to another color, e.g., green, to indicate that the payment was successful. While the customer may be currently at a first level, the digital card may display a progress graphic that indicates that the customer is close to reaching a second level. When the customer reaches the second level, the customer may be notified that he or she has been upgraded to the next level based on customer usage and prompt payments. The customer may be informed that the digital card now has a credit limit (e.g., $500) as well as other benefits and features.
The customer may also view tips, message, informational videos, etc. that explain credit limit and provides advice on how to build a good credit score. This educational information may be displayed on the customer's mobile device, tablet, wearable, etc. Based on the customer profile and/or other information, other goals and aspirations may be integrated. When the customer activates the digital card (e.g., by placing his thumb or other finger on the corner of the card), the digital card may display in a different color to indicate that the digital card now has level 2 benefits and features. Other biometrics may be used to activate the digital card. Other graphical modifications and/or displays may be implemented. According to another example, an icon, graphic, message and/or animation may appear on the digital card to indicate that the card is now upgraded to a new level.
Other functionality may be provided. For example, the customer may perform banking transactions, e.g., funds transfers, using the customer's mobile device or phone. The customer may receive funds from another card or funding source as well as transfer funds to another card or recipient. In this exemplary scenario, another user may tap a NFC-enabled card to the customer's mobile device and a funds transfer may occur. Additional details and status information may also be provided.
As shown in
Also shown in
An embodiment of the present invention may be provided by various entities, such as a financial institution, service provider, merchant, etc. For example, a merchant app may be offered by a merchant, represented by Merchant 140, 142, or a third party service provider. The customer may also access a payment system provided by a financial institution 120 such as a retail bank, according to one embodiment of the invention. The payment system may be embodied primarily or entirely in a payment server 122 (which may include one or more databases represented by 124) owned and/or operated by the financial institution 120 that interfaces with a number of other servers and entities via one or more networks.
Payment server 122 enables user or account holder 130 to make payments by interfacing with other servers owned and/or operated by the financial institution 120 and/or other entities. The app server 128 may interface with other servers owned and/or operated by the financial institution. For example, payment server 122 may interface with a credit card server and associated database that stores and processes credit card transactions for credit card holders of the financial institution 120. Payment server 122 may also interface with a rewards program server and associated database that stores and processes rewards information for account holders at the financial institution 120. The foregoing description is merely one example of a configuration for such functions and is not intended to be limiting.
Various embodiments of the invention may also utilize an established payment network such as the VISA network, MasterCard network, NYCE network, or other similar network to transmit information between various entities using the system. For example, payment server 122 may use the VISA network for authorization and settlement of transactions. However, use of such established credit and debit networks is not required according to various embodiments of the invention. Payment Server 122 may be configured to use other networks for executing payment transactions and transmitting information to the cardholders, merchants, and financial institutions. Payments can be made by rendering such other payment network's digital tender on the mobile device 132, 134.
Referring again to
As shown in
Having described an example of the hardware, software, and data that can be used to run the system, an example of the method and customer experience will now be described. The method will be described primarily as an example in which a customer downloads a software application (sometimes referred to as an “app”) and uses it for accumulating points and/or making purchases. However, those skilled in the art will appreciate that the principles of the invention can be applied to related circumstances, such as where the entity providing the app is a business other than a merchant, or where the merchant app functionality is provided through a browser on the customer's mobile device rather than through a software application (app) downloaded to the customer's mobile device, and with purchases from various providers.
At step 210, a customer may be enrolled in a creditworthiness program. The program may be associated with a financial institution, bank, service provider, government agency, merchant, third party entity, etc. According to an exemplary scenario, this may be the first credit card for the customer. An embodiment of the present invention helps a customer (e.g., a first time credit card holder) to build up his or her credit score. An embodiment of the present invention may also help a customer who wants to restore his or her credit score, this may be in response to a bad investment, having to declare bankruptcy, etc. The invention may also help customers who want to improve their credit or simply maintain credit at a good level.
At step 212, a digital card may be linked or associated with the customer's account as well as a mobile or other device. An entity, e.g., financial institution, may provide an app that may be synchronized with the digital card. An embodiment of the present invention is directed to a digital card that changes its physical appearance as the customer progresses. For example, as the customer increases his or her credit worthiness, the physical appearance of the digital card may automatically change to reflect the customer's new status. In addition, the digital card may be automatically updated to provide new benefits, functions and features that may be personalized and tailored for the customer. The digital card may include smart card technology. For example, the digital card may include an integrated circuit and/or other embedded circuitry to provide various features, e.g., authentication, data storage, application processing, activity monitoring, data gathering, data analysis, etc.
At step 214, an embodiment of the present invention may evaluate the customer's current credit worthiness, behavior and activity. Based on an initial analysis, the digital card may provide functions and features that are aligned with the customer's current credit worthiness. For example, for a first time card holder, a basic level may be applied to the digital card. In this example, the digital card may include basic functions, including a low credit limit. For a customer that is desiring to restore his or her credit, the card may be given a different level of features and functions. The digital card may also be specific to a more sophisticated customer. For example, the sophisticated customer may receive investment advice and/or other information catered to the customer (e.g., high worth customer, etc.).
At step 216, an embodiment of the present invention may provide recommendations on credit and spend. The digital card may also include personalized features to help the customer stay on budget. For example, the digital card may have a daily spend limit where the digital card will not function if the customer attempts to exceed a daily spend limit. According to another example, the digital card may proceed with the purchase and provide a warning message to the customer that the purchase is above the customer's daily spend limit.
Within a card level, there may be different modes of use based on the customer's activity. The activity may include purchases made with the digital card as well as other activity. For example, the location of the customer may affect the functionality of the digital card. The customer may be notified that there are specials in the area and thereby direct or guide the customer to good deals and responsible spend opportunities. According to another example, the customer may indicate a desire to purchase a new bicycle. In response, the system may provide suggestions for places to purchase a bike within the customer's budget and also provide bike routes for the customer that will benefit the customer's daily commute to work, thereby saving the customer money in local transit, gas and/or other expenses. The system may also provide information concerning other benefits, including employee discounts for using public transaction, environmental benefits, tax credits, government assistance, etc.
At step 218, customer behavior may be monitored. An embodiment of the present invention may monitor the customer's spend activity on the digital card. Also, a customer's other activity may also be analyzed. For example, a customer's location, social media activity, recreational activity, subscription data, purchases, transactions, life events, affiliations, etc. may be monitored and used to identify customized benefits and features.
At step 220, the customer's status may be updated. When the customer reaches a next level, the associated digital card may be updated and start providing the next level benefits. For example, the digital card may change its appearance, color, design, logo, etc. when activated by the customer.
At step 222, the customer may be notified. The customer may receive a text or other message on the customer's mobile phone and/or other form of communication. The customer may also be alerted by a store clerk or other representative who made the transaction that got the customer to the next level.
An embodiment of the present invention is directed to a digital card with a biometric activation, such as fingerprint recognition, paired with a mobile device app. The customer may make peer-to-peer payments with devices with NFC and other enabled technology. By tapping or otherwise interfacing with a NFC card, funds may be transferred.
Another embodiment of the present invention is directed to providing customized benefits to cardholders. For example, the card levels may be upgraded based on a customer's responsible spending and timely payments. The digital card may graphically change with each upgrade, new functionality and/or services. An embodiment of the present invention provides convenience and unique experiences. Based on spending and responsible payments, a customer may choose from an array of services and benefits, earning more and more services with continued use.
Another embodiment of the present invention is directed to providing insights to the customer in the form of educational content on building credit. The customer may also receive alerts to keep from making credit mistakes.
At step 310, the customer may activate a digital card. For example, the customer may activate a card through a fingerprint recognition feature. Other forms of identification and/or authentication may be implemented, including voice recognition, facial recognition, a personal identification number, etc. Also, a customer may perform a personalized swipe pattern or provide another personal input on the digital card. The customer's digital card may be paired or otherwise associated with the customer's mobile app on a mobile device.
At step 312, the customer may make purchases with the digital card. The customer may use the mobile app to identify local offers. The mobile app may provide recommendations that are aligned with the customer's current financial status. The recommendations may also provide explanation, tips, guides and/or other information that can assist a customer to be fiscally responsible when searching and redeeming offers. The customer may make purchases using the digital card, which may change its appearance when the card has been approved. The change in its appearance may signify to the customer that the payment has been approved. The card may temporarily change in color, icon and/or display message to indicate to the user whether the purchase was a good decision. For example, if a purchase puts the customer over his daily, weekly and/or monthly budget, the card may temporarily turn red to indicate a warning to the customer. The card may also reduce its limit to further assist the customer to stay within his or her budget. Other restrictions may be implemented to help the customer reach his or her financial goals.
The customer may make and receive payments from peer devices by interacting with the customer's mobile device and/or digital card. For example, if a friend owes the customer money, the friend may tap or otherwise interact with a NFC enabled card to the customer's mobile device to effectuate a transfer of funds.
At step 314, the customer may view status information on the card. If the customer is close to reaching a next level of card benefits, the digital card may provide a status icon (e.g., bar, chart, graphic, animation, message, etc.) that conveys that the customer is near his or her goal. The customer may view detailed status information on the customer's mobile device. For example, the mobile app may also provide categorized spending, level tracking, customized services and/or other information.
At step 316, a determination may be made as to whether the customer should be upgraded to the next card level. If the customer reaches a next level of credit worthiness, the digital card may change appearance when activated by the customer. If not, the customer may continue to make purchases at step 312 until the next level is reached.
At step 318, if upgraded, the digital card may include an updated display. For example, the digital card may change its appearance when activated by the customer. The original digital card may have been a blue card, but with the upgrade, the digital card may now display in black. According to another example, the digital card may include an icon that may change as the customer's status changes. The icon may change color, appearance, text, etc. Also, a customer's digital card may be synchronized with a mobile device, wearable, and/or other device that may also signify a change in the customer's status.
At step 320, the customer may view educational content. For example, educational content may include how much the customer should spend, lessons on how to be financially responsible, level checklists and customer status. The educational content may include personalized messages displayed on an associated device, e.g., mobile phone, tablet, computer, wearable, etc.
At step 322, the customer may receive and select personalized benefits and perks based on the customer's behavior. For example, the customer may receive offers for free services products, reward points, incentives, etc. An embodiment of the present invention provides convenient and unique experiences. Based on a customer's spending and payment history, the customer may receive an array of services and benefits, where the customer may earn more services with continued use and good behavior.
By placing a customer's print (e.g., thumb print, etc.) on the digital card, as shown by 510, the customer's card may be activated. The customer's name, credit card number, expiration date may be displayed as shown by 512 in
When the customer reaches the second level, the customer may be notified that he has been upgraded to the next level based on customer usage and prompt payments. The customer may be informed that the digital card now has an increased credit limit (e.g., $500) as well as other benefits and features. The customer may also view tips, message, informational videos, etc. that explain credit limit and provides advice on how to build a good credit score. Based on the customer profile and/or other information, other goals and aspirations may be integrated.
Additional detailed information may be provided, for example, as shown by
In addition, the customer may also receive detailed information on how the customer can advance to the next level, as shown in
Although the foregoing description has focused primarily on a financial institution assembling relevant data sets, processing the data, and sending the relevant data at appropriate times to its customer, the system may be operated and maintained by other types of commercial entities who may configure the system to provide similar advantages to their customers. In additional, while the foregoing description has focused primarily on the customer spend, the principles of the invention can be applied to other vendors and entities where the operating entity can assemble and provide relevant, timely information to enhance the customer's experience.
The foregoing examples show the various embodiments of the invention in one physical configuration; however, it is to be appreciated that the various components may be located at distant portions of a distributed network, such as a local area network, a wide area network, a telecommunications network, an intranet and/or the Internet. Thus, it should be appreciated that the components of the various embodiments may be combined into one or more devices, collocated on a particular node of a distributed network, or distributed at various locations in a network, for example. As will be appreciated by those skilled in the art, the components of the various embodiments may be arranged at any location or locations within a distributed network without affecting the operation of the respective system.
Data and information maintained by the servers shown by
Communications network, e.g., 110 in
Communications network, e.g., 110 in
In some embodiments, communication network, e.g., 110, may comprise a satellite communications network, such as a direct broadcast communication system (DBS) having the requisite number of dishes, satellites and transmitter/receiver boxes, for example. The communications network may also comprise a telephone communications network, such as the Public Switched Telephone Network (PSTN). In another embodiment, communication network 110 may comprise a Personal Branch Exchange (PBX), which may further connect to the PSTN.
Although examples of a mobile device 132, 134 and a personal computing device 136 are shown in
As described above,
It is appreciated that in order to practice the methods of the embodiments as described above, it is not necessary that the processors and/or the memories be physically located in the same geographical place. That is, each of the processors and the memories used in exemplary embodiments of the invention may be located in geographically distinct locations and connected so as to communicate in any suitable manner. Additionally, it is appreciated that each of the processor and/or the memory may be composed of different physical pieces of equipment. Accordingly, it is not necessary that the processor be one single piece of equipment in one location and that the memory be another single piece of equipment in another location. That is, it is contemplated that the processor may be two or more pieces of equipment in two or more different physical locations. The two distinct pieces of equipment may be connected in any suitable manner. Additionally, the memory may include two or more portions of memory in two or more physical locations.
As described above, a set of instructions is used in the processing of various embodiments of the invention. The servers in
Further, it is appreciated that the instructions or set of instructions used in the implementation and operation of the invention may be in a suitable form such that the processor may read the instructions. For example, the instructions that form a program may be in the form of a suitable programming language, which is converted to machine language or object code to allow the processor or processors to read the instructions. That is, written lines of programming code or source code, in a particular programming language, are converted to machine language using a compiler, assembler or interpreter. The machine language is binary coded machine instructions that are specific to a particular type of processor, i.e., to a particular type of computer, for example. Any suitable programming language may be used in accordance with the various embodiments of the invention. For example, the programming language used may include assembly language, Ada, APL, Basic, C, C++, COBOL, dBase, Forth, Fortran, Java, Modula-2, Pascal, Prolog, RUM Visual Basic, and/or JavaScript. Further, it is not necessary that a single type of instructions or single programming language be utilized in conjunction with the operation of the system and method of the invention. Rather, any number of different programming languages may be utilized as is necessary or desirable.
Also, the instructions and/or data used in the practice of various embodiments of the invention may utilize any compression or encryption technique or algorithm, as may be desired. An encryption module might be used to encrypt data. Further, files or other data may be decrypted using a suitable decryption module, for example.
In the system and method of exemplary embodiments of the invention, a variety of “user interfaces” may be utilized to allow a user to interface with the mobile devices 132, 134 or personal computing device 136. As used herein, a user interface may include any hardware, software, or combination of hardware and software used by the processor that allows a user to interact with the processor of the communication device. A user interface may be in the form of a dialogue screen provided by an app, for example. A user interface may also include any of touch screen, keyboard, voice reader, voice recognizer, dialogue screen, menu box, list, checkbox, toggle switch, a pushbutton, a virtual environment (e.g., Virtual Machine (VM)/cloud), or any other device that allows a user to receive information regarding the operation of the processor as it processes a set of instructions and/or provide the processor with information. Accordingly, the user interface may be any system that provides communication between a user and a processor. The information provided by the user to the processor through the user interface may be in the form of a command, a selection of data, or some other input, for example.
The software, hardware and services described herein may be provided utilizing one or more cloud service models, such as Software-as-a-Service (SaaS), Platform-as-a-Service (PaaS), and Infrastructure-as-a-Service (IaaS), and/or using one or more deployment models such as public cloud, private cloud, hybrid cloud, and/or community cloud models.
Although, the examples above have been described primarily as using a software application (“app”) downloaded onto the customer's mobile device, other embodiments of the invention can be implemented using similar technologies, such as transmission of data that is displayed using an existing web browser on the customer's mobile device.
Although the embodiments of the present invention have been described herein in the context of a particular implementation in a particular environment for a particular purpose, those skilled in the art will recognize that its usefulness is not limited thereto and that the embodiments of the present invention can be beneficially implemented in other related environments for similar purposes.
Number | Name | Date | Kind |
---|---|---|---|
4973828 | Naruse | Nov 1990 | A |
5590038 | Pitroda | Dec 1996 | A |
6000832 | Franklin et al. | Dec 1999 | A |
6006988 | Behrmann et al. | Dec 1999 | A |
6009415 | Shurling et al. | Dec 1999 | A |
6012049 | Kawan | Jan 2000 | A |
6014634 | Scroggie et al. | Jan 2000 | A |
6016482 | Molinari et al. | Jan 2000 | A |
6018718 | Walker et al. | Jan 2000 | A |
6029139 | Cunningham et al. | Feb 2000 | A |
6047067 | Rosen | Apr 2000 | A |
6049782 | Gottesman et al. | Apr 2000 | A |
6058378 | Clark et al. | May 2000 | A |
6061660 | Eggleston et al. | May 2000 | A |
6064985 | Anderson | May 2000 | A |
6070067 | Nguyen et al. | May 2000 | A |
6076068 | Delapa et al. | Jun 2000 | A |
6076072 | Libman | Jun 2000 | A |
6078891 | Riordan et al. | Jun 2000 | A |
6085976 | Scher | Jul 2000 | A |
6089284 | Kaehler et al. | Jul 2000 | A |
6105006 | Davis et al. | Aug 2000 | A |
6105008 | Davis et al. | Aug 2000 | A |
6108642 | Findley | Aug 2000 | A |
6112190 | Fletcher et al. | Aug 2000 | A |
6115458 | Tasketi | Sep 2000 | A |
6119103 | Basch et al. | Sep 2000 | A |
6119933 | Wong et al. | Sep 2000 | A |
6776332 | Allen | Aug 2004 | B2 |
6925439 | Pitroda | Aug 2005 | B1 |
6954133 | McGregor | Oct 2005 | B2 |
7392224 | Bauer et al. | Jun 2008 | B1 |
7398241 | Fay et al. | Jul 2008 | B2 |
7401731 | Pletz et al. | Jul 2008 | B1 |
7406442 | Kotimeier, Jr. et al. | Jul 2008 | B1 |
7461028 | Wronski, Jr. | Dec 2008 | B2 |
7467096 | Antonucci et al. | Dec 2008 | B2 |
7502758 | Burke | Mar 2009 | B2 |
7506806 | Bonalle et al. | Mar 2009 | B2 |
7512551 | Postrel | Mar 2009 | B2 |
7523385 | Nguyen et al. | Apr 2009 | B2 |
7580857 | Van Fleet et al. | Aug 2009 | B2 |
7587363 | Cataline et al. | Sep 2009 | B2 |
7606730 | Antonucci | Oct 2009 | B2 |
7607583 | Berardi | Oct 2009 | B2 |
7613629 | Antonucci et al. | Nov 2009 | B2 |
7689504 | Warren et al. | Mar 2010 | B2 |
7729925 | Maritzen et al. | Jun 2010 | B2 |
7747525 | Grant et al. | Jun 2010 | B2 |
7753259 | Taylor et al. | Jul 2010 | B1 |
7766244 | Field | Aug 2010 | B1 |
8078528 | Vicente et al. | Dec 2011 | B1 |
8190522 | Vicente et al. | May 2012 | B1 |
8191788 | Morrill-Webb | Jun 2012 | B2 |
8538826 | Lai et al. | Sep 2013 | B1 |
8554652 | Vicente et al. | Oct 2013 | B1 |
8566187 | Keld | Oct 2013 | B2 |
8706625 | Vicente et al. | Apr 2014 | B2 |
8725611 | Vicente et al. | May 2014 | B1 |
8851370 | DiMuro et al. | Oct 2014 | B2 |
9058627 | Wasser | Jun 2015 | B1 |
9195975 | Pochic | Nov 2015 | B2 |
9400589 | Wasser | Jul 2016 | B1 |
9483920 | Anderson | Nov 2016 | B1 |
9569797 | Rohn | Feb 2017 | B1 |
9830646 | Wasser | Nov 2017 | B1 |
10255598 | Dean | Apr 2019 | B1 |
10510070 | Wurmfeld | Dec 2019 | B2 |
20020070279 | Zausner | Jun 2002 | A1 |
20020095586 | Doyle | Jul 2002 | A1 |
20020095587 | Doyle | Jul 2002 | A1 |
20020095601 | Hind | Jul 2002 | A1 |
20030055689 | Block | Mar 2003 | A1 |
20040117300 | Jones | Jun 2004 | A1 |
20040124246 | Allen | Jul 2004 | A1 |
20040171406 | Purk | Sep 2004 | A1 |
20050240528 | Hendrick | Oct 2005 | A1 |
20060031158 | Orman | Feb 2006 | A1 |
20060107067 | Safal | May 2006 | A1 |
20070179902 | John | Aug 2007 | A1 |
20070235539 | Sevanto | Oct 2007 | A1 |
20090309701 | Peled | Dec 2009 | A1 |
20100227672 | Amour | Sep 2010 | A1 |
20100270370 | Cowcher | Oct 2010 | A1 |
20110202414 | Nallasivan | Aug 2011 | A1 |
20110284632 | Mullen | Nov 2011 | A1 |
20110320342 | Kremen | Dec 2011 | A1 |
20120197691 | Grigg | Aug 2012 | A1 |
20130080238 | Kelly | Mar 2013 | A1 |
20130185189 | Stewart | Jul 2013 | A1 |
20130222349 | Baek | Aug 2013 | A1 |
20130318592 | Grier, Sr. | Nov 2013 | A1 |
20140040125 | Kunz | Feb 2014 | A1 |
20140058941 | Moon | Feb 2014 | A1 |
20140114735 | Isaacson | Apr 2014 | A1 |
20140156501 | Howe | Jun 2014 | A1 |
20140279208 | Nickitas | Sep 2014 | A1 |
20150023604 | Mitchell | Jan 2015 | A1 |
20150149308 | Lin | May 2015 | A1 |
20150262052 | Pahuja | Sep 2015 | A1 |
20160012465 | Sharp | Jan 2016 | A1 |
20160247233 | Page | Aug 2016 | A1 |
20160358250 | Dogin | Dec 2016 | A1 |
20170228820 | Rohn | Aug 2017 | A1 |
Entry |
---|
Orla O Sullivan, “Biometrics” Jan. 1997, American Bankers Association, ABA Banking Journal, 89, 1 (Year: 1997). |
Pranav Sharma, “An Evaluation of E-Payment Systems and Their Application in Mobile Commerce,” Dec. 13, 2004, University of Ottawa, pp. 1-146. (Year: 2004). |