Coupon deposit account fraud protection system

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9892419
SERIAL NO

13103372

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

Apparatus and methods for providing electronic coupons are provided. The apparatus and methods include a system that uses a plurality of coupon processors to pull coupon data from an electronic coupon platform upon the expiration of a predetermined time period. The apparatus and methods additionally include a system that uses an electronic coupon platform to pushes data to a plurality of coupon processors upon the expiration of a predetermined time period. The apparatus and methods also include a system that redeems electronic coupons by initiating a deposit of an amount of funds in a customer bank account at predetermined time intervals. The apparatus and methods further include an electronic coupon platform that sends an electronic notification to a plurality of coupon processors upon the receipt of data from a first coupon processor which relates to the receipt of customer payment card and/or loyalty card information.

Loading the Abstract Image... loading....

First Claim

See full text

Family

Loading Family data... loading....

Patent Owner(s)

Patent OwnerAddress
BANK OF AMERICAMAILCODE NC1-027-20-05 NC1-027-20-05 CHARLOTTE NC 28255

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Giordano, Joseph A Waxhaw, US 32 3022
Grossman, Glenn M Matthews, US 18 535

Cited Art Landscape

Load Citation

Patent Citation Ranking

Forward Cite Landscape

Load Citation

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Aug 13, 2025
11.5 Year Payment $7400.00 $3700.00 $1850.00 Aug 13, 2029
Fee Large entity fee small entity fee micro entity fee
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00