Document:

EX-10.7

 AMENDED AND RESTATED 

CLIFTON SAVINGS BANK 

SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 

(as of January 1, 2014) 

 Amended and Restated 

Clifton Savings Bank 

Supplemental Executive Retirement Plan 

Table of Contents 
  

					
		
	 Article I – Introduction
	  	 	1	  
		
	 Article II – Definitions
	  	 	1	  
		
	 Article III – Eligibility and Participation
	  	 	3	  
		
	 Article IV – Benefits
	  	 	3	  
		
	 Article V – Accounts
	  	 	5	  
		
	 Article VI – Supplemental Benefit Payments
	  	 	6	  
		
	 Article VII – Claims Procedures
	  	 	6	  
		
	 Article VIII – Amendment and Termination
	  	 	7	  
		
	 Article IX – General Provisions
	  	 	8	  

 Article I 

Introduction 
 Section 1.01
Purpose, Design and Intent. 
 (a) The purpose of the Clifton Savings Bank Supplemental Executive Retirement Plan (the
“Plan”) is to assist Clifton Savings Bank (the “Bank”) and its affiliates in retaining the services of key employees until their retirement, to induce such employees to use their best efforts to enhance the business of the Bank
and its affiliates, and to provide certain supplemental retirement benefits to such employees. 
 (b) The Plan, in relevant part, is
intended to constitute an unfunded “excess benefit plan” as defined in Section 3(36) of the Employee Retirement Income Security Act of 1974, as amended. In this respect, the Plan is specifically designed to provide certain key
employees with retirement benefits that would have been provided under various tax-qualified retirement plans sponsored by the Bank but for the applicable limitations placed on benefits and contributions under such plans by various provisions of the
Internal Revenue Code of 1986, as amended (the “Code”). 
 (c) The Bank is amending and restating the Plan in its entirety
effective as of January 1, 2014. 
 Article II 

Definitions 
 Section 2.01
Definitions. In this Plan, whenever the context so indicates, the singular or the plural number and the masculine or feminine gender shall be deemed to include the other, the terms “he,” “his,” and “him,”
shall refer to a Participant or a beneficiary of a Participant, as the case may be, and, except as otherwise provided, or unless the context otherwise requires, the capitalized terms shall have the following meanings: 

(a) “Affiliate” means any corporation, trade or business, which, at the time of reference, is together with the Bank, a
member of a controlled group of corporations, a group of trades or businesses (whether or not incorporated) under common control, or an affiliated service group, as described in Sections 414(b), 414(c), and 414(m) of the Code, respectively, or any
other organization treated as a single employer with the Bank under Section 414(o) of the Code. 
 (b) “Applicable
Limitations” means one or more of the following, as applicable: 
  

	 	(i)	the maximum limitations on annual additions to a tax-qualified defined contribution plan under Section 415(c) of the Code; 

  

	 	(ii)	the maximum limitation on the annual amount of compensation that may, under Section 401(a)(17) of the Code, be taken into account in determining contributions to and benefits under tax-qualified plans; and

  

	 	(iii)	the maximum limitations, under Sections 401(k), 401(m), or 402(g) of the Code, on pre-tax contributions that may be made to a qualified defined contribution plan. 

(c) “Bank” means Clifton Savings Bank, and its successors. 

  
 1 

 (d) “Board of Directors” means the Board of Directors of the Bank. 

(e) “Change in Control” means the earliest occurrence of a “change in ownership,” “change in effective
control,” or “change in ownership of a substantial portion of assets” for purposes of Section 409A of the Code, but excluding reorganization of the Bank from the mutual holding company form of organization to the full stock
holding company form of organization (including the elimination of the mutual holding company). 
 (f) “Code” means
the Internal Revenue Code of 1986, as amended. 
 (g) “Committee” means the person(s) designated by the Board of
Directors, pursuant to Section 9.02 of the Plan, to administer the Plan. 
 (h) “Common Stock” means the common
stock of the Company. 
 (i) “Company” means Clifton Savings Bancorp, Inc. and its successors. 

(j) “Eligible Individual” means any Employee whom the Board of Directors determines is one of a “select group of
management or highly compensated employees,” as such phrase is used for purposes of Sections 101, 201, and 301 of ERISA. 
 (k)
“Employee” means any person employed by the Bank or an Affiliate. 
 (l) “Employer” means the
Bank or Affiliate that employs the Employee. 
 (m) “ERISA” means the Employee Retirement Income Security Act of
1974, as amended. 
 (n) “ESOP” means the Clifton Savings Bank Employee Stock Ownership Plan, as amended from time to
time. 
 (o) “ESOP Acquisition Loan” means a loan or other extension of credit incurred by the trustee of the ESOP in
connection with the purchase of Common Stock on behalf of the ESOP. 
 (p) “ESOP Valuation Date” means any day as of
which the investment experience of the trust fund of the ESOP is determined and individuals’ accounts under the ESOP are adjusted accordingly. 

(q) “Effective Date” means January 1, 2004. 

(r) “Participant” means an Eligible Employee who is entitled to benefits under the Plan. 

(s) “Plan” means this Clifton Savings Bank Supplemental Executive Retirement Plan. 

(t) “Savings Plan” means the Clifton Savings Bank 401(k) Savings Plan, as amended from time to time. 

(u) “Separation from Service” means a Participant’s separation from service with the Bank, within the meaning of
Section 409A of the Code. 

  
 2 

 (v) “Specified Employee” means, as of a given date, a “specified
employee” as of such date for purposes of Section 409A of the Code. 
 (w) “Supplemental ESOP Account”
means an account established by an Employer, pursuant to Section 5.01 of the Plan, with respect to a Participant’s Supplemental ESOP Benefit. 

(x) “Supplemental ESOP Benefit” means the benefit credited to a Participant pursuant to Section 4.01 of the Plan.

 (y) “Supplemental Savings Benefit” means the benefit credited to a Participant pursuant to Section 4.03 of
the Plan. 
 (z) “Supplemental Savings Account” means an account established by an Employer, pursuant to
Section 5.03 of the Plan, with respect to a Participant’s Supplemental Savings Benefit. 
 (aa) “Supplemental Stock
Ownership Account” means an account established by an Employer, pursuant to Section 5.02 of the Plan, with respect to a Participant’s Supplemental Stock Ownership Benefit. 

(bb) “Supplemental Stock Ownership Benefit” means the benefit credited to a Participant pursuant to Section 4.02
of the Plan. 
 Article III 

Eligibility and Participation 

Section 3.01 Eligibility and Participation. 

(a) Each Eligible Employee may participate in the Plan. An Eligible Employee shall become a Participant in the Plan upon designation as such by
the Board of Directors. An Eligible Employee whom the Board of Directors designates as a Participant in the Plan shall commence participation as of the date established by the Board of Directors. The Board of Directors shall establish an Eligible
Employee’s date of participation at the same time it designates the Eligible Employee as a Participant in the Plan. 
 (b) The Board of
Directors may, at any time, designate an Eligible Employee as a Participant for any or all supplemental benefits provided for under Article IV of the Plan. 

Article IV 
 Benefits

 Section 4.01 Supplemental ESOP Benefit. 

As of the last day of each plan year of the ESOP, the Employer shall credit the Participant’s Supplemental ESOP Account with a
Supplemental ESOP Benefit equal to the excess of (a) over (b), where: 
 (a) Equals the annual contributions made by the Employer and/or
the number of shares of Common Stock released for allocation in connection with the repayment of an ESOP Acquisition Loan that would otherwise be allocated to the accounts of the Participant under the ESOP for the applicable plan year, if the
provisions of the ESOP were administered without regard to eligibility or any of the Applicable Limitations; and 

  
 3 

 (b) Equals the annual contributions made by the Employer and/or the number of shares of common
stock released for allocation in connection with the repayment of an ESOP Acquisition Loan that are actually allocated to the accounts of the Participant under the provisions of the ESOP for that particular plan year, after giving effect to any
reduction of such allocation required by any of the Applicable Limitations. 
 Section 4.02 Supplemental Stock Ownership Benefit. 

(a) Upon a Change in Control, the Employer shall credit to the Participant’s Supplemental Stock Ownership Account a Supplemental Stock
Ownership Benefit equal to (i) less (ii), the result of which is multiplied by (iii), where: 
  

	 	(i)	Equals the total number of shares of Common Stock acquired with the proceeds of all ESOP Acquisition Loans (together with any dividends, cash proceeds, or other medium related to such ESOP Acquisition Loans) that would
have been allocated or credited for the benefit of the Participant under the ESOP and/or this Plan, as the case may be, had the Participant continued in the employ of the Employer from his date of participation in this Plan through the first ESOP
Valuation Date following the last scheduled payment of principal and interest on all ESOP Acquisition Loans outstanding at the time of the Change in Control; and 

  

	 	(ii)	Equals the total number of shares of Common Stock acquired with the proceeds of all ESOP Acquisition Loans (together with any dividends, cash proceeds, or other medium related to such ESOP Acquisition Loans) and
allocated for the benefit of the Participant under the ESOP and/or this Plan, as the case may be, as of the first ESOP Valuation Date following the Change in Control; and 

 

	 	(iii)	Equals the fair market value of the Common Stock immediately preceding the Change in Control. 

(b) For purposes of clause (i) of subsection (a) of this Section 4.02, the total number of shares of Common Stock shall be
determined by multiplying the sum of (i) and (ii) by (iii), where: 
  

	 	(i)	equals the average of the total shares of Common Stock acquired with the proceeds of an ESOP Acquisition Loan and allocated for the benefit of the Participant under the ESOP as of the three most recent ESOP Valuation
Dates preceding the Change in Control (or lesser number if the Participant has not participated in the ESOP for three full years); 

  

	 	(ii)	equals the average number of shares of Common Stock credited to the Participant’s Supplemental ESOP Account for the three most recent plan years of the ESOP (such that the three most recent plan years coincide with
the three most recent ESOP Valuation Dates referred to in (i) above); and 

  

	 	(iii)	equals the original number of scheduled annual payments on the ESOP Acquisition Loans. 

  
 4 

 Section 4.03 Supplemental Savings Benefit. 

A Participant’s Supplemental Savings Benefit under the Plan shall be equal to the excess of (a) over (b), where: 

(a) is the sum of the matching contributions and other contributions of the Employer that would otherwise be allocated to an account of the
Participant under the Savings Plan for a particular year, if the provisions of the Savings Plan were administered without regard to eligibility or any of the Applicable Limitations (assuming the Participant would have contributed the maximum amount
allowed to the Savings Plan if he is not yet eligible for the Savings Plan); and 
 (b) is the sum of the matching contributions and other
contributions of the Employer that are actually allocated on account of the Participant under the provisions of the Savings Plan for that particular year, after giving effect to any reduction of such allocation required by any of the Applicable
Limitations. 
 Article V 

Accounts 
 Section 5.01
Supplemental ESOP Benefit Account. 
 For each Participant who is credited with a benefit pursuant to Section 4.01 of the
Plan, the Employer shall establish, as a memorandum account on its books, a Supplemental ESOP Account. Each year, the Committee shall credit to the Participant’s Supplemental ESOP Account the amount of benefits determined under
Section 4.01 of the Plan for that year. The Committee shall credit the account with an amount equal to the appropriate number of shares of Common Stock or other medium of contribution that would have otherwise been made to the
Participant’s accounts under the ESOP but for the limitations imposed by the Code. Shares of Common Stock shall be valued under this Plan in the same manner as under the ESOP. Cash contributions credited to a Participant’s Supplemental
ESOP Account shall be credited annually with interest at a rate equal to the combined weighted return provided to the Participant’s non-stock accounts under the ESOP. 

Section 5.02 Supplemental Stock Ownership Account. 

The Employer shall establish, as a memorandum account on its books, a Supplemental Stock Ownership Account. Upon a Change in Control, the
Committee shall credit to the Participant’s Supplemental Stock Ownership Account the amount of benefits determined under Section 4.02 of the Plan. The Committee shall credit the account with an amount equal to the appropriate number of
shares of Common Stock or other medium of contribution that would have otherwise been made to the Participant’s accounts under the ESOP. Shares of Common Stock shall be valued under this Plan in the same manner as under the ESOP. Cash
contributions credited to a Participant’s Supplemental Stock Ownership Account shall be credited annually with interest at a rate equal to the combined weighted return provided to the Participant’s non-stock accounts under the ESOP. 

Section 5.03 Supplemental Savings Account. 

The Employer shall establish a memorandum account, the “Supplemental Savings Account” for each Participant on its books, and each
year the Committee will credit the amount of contributions determined under Section 4.03 of the Plan. Contributions credited to a Participant’s Supplemental Savings Account shall be credited monthly with interest at a rate equal to the
combined weighted return provided to the Participant’s account(s) under the Savings Plan. 

  
 5 

 Article VI 

Supplemental Benefit Payments 

Section 6.01 Payment of Supplemental ESOP Benefit. 

(a) A Participant’s Supplemental ESOP Benefit shall be paid to the Participant or, in the event of the Participant’s death, to his
beneficiary (as designated on a form acceptable to the Employer), in a single lump sum payment as soon as administratively practicable (but no later than 60 days) following the Participant’s Separation from Service. The form of the payment
shall match the form (i.e., cash, stock or other medium) in which the Employer credited the benefit pursuant to Article V of the Plan. 
 (b)
A Participant shall have a non-forfeitable right to the Supplemental ESOP Benefit credited to him under this Plan in the same percentage as he has to benefits allocated to him under the ESOP at the time the benefits become distributable to him under
the ESOP. 
 Section 6.02 Payment of Supplemental Stock Ownership Benefit. 

(a) A Participant’s Supplemental Stock Ownership Benefit shall be paid to the Participant or, in the event of the Participant’s
death, to his beneficiary (as designated on a form acceptable to the Employer), in a single lump sum payment as soon as administratively practicable (but no later than 60 days) following the Participant’s Separation from Service. The form of
the payment shall match the form (i.e., cash, stock or other medium) in which the Employer credited the benefit pursuant to Article V of the Plan. 

(b) A Participant shall always have a fully non-forfeitable right to the Supplemental Stock Ownership Benefit credited to him under this Plan.

 Section 6.03 Payment of Supplemental Savings Benefit. 

(a) A Participant’s Supplemental Savings Benefit shall be paid to the Participant or, in the event of the Participant’s death, to his
beneficiary (as designated on a form acceptable to the Employer), in a single lump sum payment as soon as administratively practicable (but no later than 60 days) following the Participant’s Separation from Service. The form of payment shall
match the form (i.e., cash, stock or other medium) in which the Employer credited the benefit pursuant to Article V of the Plan. 
 (b) A
Participant shall have a non-forfeitable right to his Supplemental Savings Benefit under this Plan in the same percentage as he has to his matching contributions under the Savings Plan at the time the benefits become distributable to him under the
Savings Plan. 
 Article VII 

Claims Procedures 
 Section 7.01
Claims Reviewer. 
 For purposes of handling claims with respect to this Plan, the “Claims Reviewer” shall be the
Committee, unless the Committee designates another person or group of persons as Claims Reviewer. 

  
 6 

 Section 7.02 Claims Procedure. 

(a) An initial claim for benefits under the Plan must be made by the Participant or his beneficiary or beneficiaries in accordance with the
terms of this Section 7.02. 
 (b) Not later than ninety (90) days after receipt of such a claim, the Claims Reviewer will render a
written decision on the claim to the claimant, unless special circumstances require the extension of such 90-day period. If such extension is necessary, the Claims Reviewer shall provide the Participant or the Participant’s beneficiary or
beneficiaries with written notification of such extension before the expiration of the initial 90-day period. Such notice shall specify the reason or reasons for the extension and the date by which a final decision can be expected. In no event shall
such extension exceed a period of ninety (90) days from the end of the initial 90-day period. 
 (c) In the event the Claims Reviewer
denies the claim of a Participant or any beneficiary in whole or in part, the Claims Reviewer’s written notification shall specify, in a manner calculated to be understood by the claimant, the reason for the denial; a reference to the Plan or
other document or form that is the basis for the denial; a description of any additional material or information necessary for the claimant to perfect the claim; an explanation as to why such information or material is necessary; and an explanation
of the applicable claims procedure. 
 (d) Should the claim be denied in whole or in part and should the claimant be dissatisfied with the
Claims Reviewer’s disposition of the claimant’s claim, the claimant may have a full and fair review of the claim by the Committee upon written request submitted by the claimant or the claimant’s duly authorized representative and
received by the Committee within sixty (60) days after the claimant receives written notification that the claimant’s claim has been denied. In connection with such review, the claimant or the claimant’s duly authorized representative
shall be entitled to review pertinent documents and submit the claimant’s views as to the issues, in writing. The Committee shall act to deny or accept the claim within sixty (60) days after receipt of the claimant’s written request
for review unless special circumstances require the extension of such 60-day period. If such extension is necessary, the Committee shall provide the claimant with written notification of such extension before the expiration of such initial 60-day
period. In all events, the Committee shall act to deny or accept the claim within 120 days of the receipt of the claimant’s written request for review. The action of the Committee shall be in the form of a written notice to the claimant and its
contents shall include all of the requirements for action on the original claim. 
 (e) In no event may a claimant commence legal action for
benefits the claimant believes are due the claimant until the claimant has exhausted all of the remedies and procedures afforded the claimant by this Article VII. 

Article VIII 
 Amendment
and Termination 
 Section 8.01 Amendment of the Plan. 

The Bank may from time to time and at any time amend the Plan; provided, however, that such amendment may not adversely affect the rights of
any Participant or beneficiary with respect to any benefit under the Plan to which the Participant or beneficiary may have previously become entitled prior to the effective date of such amendment without the consent of the Participant or
beneficiary. The Committee shall be authorized to make minor or administrative changes to the Plan, as well as amendments required by applicable federal or state law (or authorized or made desirable by such statutes); provided, however, that such
amendments must subsequently be ratified by the Board of Directors. 

  
 7 

 Section 8.02 Termination in the Discretion of the Bank. 

Except as otherwise provided in Sections 8.03, the Bank in its discretion may terminate the Plan and distribute benefits to Participants
subject to the following requirements and any others specified under Section 409A of the Code: 
 (a) All arrangements sponsored by the
Bank that would be aggregated with the Plan under Section 1.409A-1(c) of the Treasury Regulations are terminated. 
 (b) No payments
other than payments that would be payable under the terms of the Plan if the termination had not occurred are made within 12 months of the termination date. 

(c) All benefits under the Plan are paid within 24 months of the termination date. 

(d) The Bank does not adopt a new arrangement that would be aggregated with the Plan under Section 1.409A-1(c) of the Treasury Regulations
providing for the deferral of compensation at any time within 3 years following the date of termination of the Plan. 
 (e) The termination
does not occur proximate to a downturn in the financial health of the Bank. 
 Section 8.03 Termination Upon Change in Control Event.

 If the Bank terminates the Plan within thirty days preceding or twelve months following a Change in Control, the Accounts
(Supplemental ESOP Account, Supplemental Savings Account and Supplemental Stock Ownership Account) of each Participant shall become fully vested and payable to the Participant in a lump sum within twelve months following the date of termination,
subject to the requirements of Section 409A of the Code. 
 Article IX 

General Provisions 
 Section 9.01
Unfunded, Unsecured Promise to Make Payments in the Future. 
 The right of a Participant or any beneficiary to receive a
distribution under this Plan shall be an unsecured claim against the general assets of the Bank or its Affiliates, and neither a Participant, nor his designated beneficiary or beneficiaries, shall have any rights in or against any amount credited to
any account under this Plan or any other assets of the Bank or an Affiliate. The Plan at all times shall be considered entirely unfunded both for tax purposes and for purposes of Title I of ERISA. Any funds invested hereunder shall continue for all
purposes to be part of the general assets of the Bank or an Affiliate and available to its general creditors in the event of bankruptcy or insolvency. Accounts under this Plan and any benefits which may be payable pursuant to this Plan are not
subject in any manner to anticipation, sale, alienation, transfer, assignment, pledge, encumbrance, attachment, or garnishment by creditors of a Participant or a Participant’s beneficiary. The Plan constitutes a mere promise by the Bank or
Affiliate to make benefit payments in the future. No interest or right to receive a benefit may be taken, either voluntarily or involuntarily, for the satisfaction of the debts of, or other obligations or claims against, such Participant or
beneficiary, including claims for alimony, support, separate maintenance and claims in bankruptcy proceedings. 

  
 8 

 Section 9.02 Committee as Plan Administrator. 

(a) The Plan shall be administered by the Committee designated by the Board of Directors of the Bank. 

(b) The Committee shall have the authority, duty and power to interpret and construe the provisions of the Plan as it deems appropriate. The
Committee shall have the duty and responsibility of maintaining records, making the requisite calculations and disbursing the payments hereunder. In addition, the Committee shall have the authority and power to delegate any of its administrative
duties to employees of the Bank or an Affiliate, as they may deem appropriate. The Committee shall be entitled to rely on all tables, valuations, certificates, opinions, data and reports furnished by any actuary, accountant, controller, counsel or
other person employed or retained by the Bank with respect to the Plan. The interpretations, determinations, regulations and calculations of the Committee shall be final and binding on all persons and parties concerned. 

Section 9.03 Expenses. 

Expenses of administration of the Plan shall be paid by the Bank or an Affiliate. 

Section 9.04 Statements. 
 The
Committee shall furnish individual annual statements of accrued benefits to each Participant, or current beneficiary, in such form as determined by the Committee or as required by law. 

Section 9.05 Rights of Participants and Beneficiaries. 

(a) The sole rights of a Participant or beneficiary under this Plan shall be to have this Plan administered according to its provisions and to
receive whatever benefits he or she may be entitled to hereunder. 
 (b) Nothing in the Plan shall be interpreted as a guaranty that any
funds in any trust which may be established in connection with the Plan or assets of the Bank or an Affiliate will be sufficient to pay any benefit hereunder. 

(c) The adoption and maintenance of this Plan shall not be construed as creating any contract of employment or service between the Bank or an
Affiliate and any Participant or other individual. The Plan shall not affect the right of the Bank or an Affiliate to deal with any Participants in employment or service respects, including their hiring, discharge, compensation, and other conditions
of employment or service. 
 Section 9.06 Incompetent Individuals. 

The Committee may, from time to time, establish rules and procedures which it determines to be necessary for the proper administration of the
Plan and the benefits payable to a Participant or beneficiary in the event that such Participant or beneficiary is declared incompetent and a conservator or other person is appointed and legally charged with that Participant’s or
beneficiary’s care. Except as otherwise provided for herein, when the Committee determines that such Participant or beneficiary is unable to 

  
 9 

 
manage his financial affairs, the Committee may pay such Participant’s or beneficiary’s benefits to such conservator, person legally charged with such Participant’s or
beneficiary’s care, or institution then contributing toward or providing for the care and maintenance of such Participant or beneficiary. Any such payment shall constitute a complete discharge of any liability of the Bank or an Affiliate and
the Plan for such Participant or beneficiary. 
 Section 9.07 Sale, Merger or Consolidation of the Bank. 

Subject to Section 8.03, the Plan may be continued after a sale of assets of the Bank, or a merger or consolidation of the Bank into or
with another corporation or entity only if, and to the extent that, the transferee, purchaser or successor entity agrees to continue the Plan. Additionally, upon a merger, consolidation or other change in control any amounts credited to
Participant’s deferral accounts shall be placed in a grantor trust to the extent not already in such a trust. In the event that the Plan is not continued by the transferee, purchaser or successor entity, then the Plan shall be terminated
subject to the provisions of Section 8.03 of the Plan. Any legal fees incurred by a Participant in determining benefits to which such Participant is entitled under the Plan following a sale, merger, or consolidation of the Bank or an Affiliate
of which the Participant is an Employee or, if applicable, a member of the Board of Directors, shall be paid by the resulting or succeeding entity. 

Section 9.08 Location of Participants. 

Each Participant shall keep the Bank informed of his current address and the current address of his designated beneficiary or beneficiaries.
The Bank shall not be obligated to search for any person. If such person is not located within three (3) years after the date on which payment of the Participant’s benefits payable under this Plan may first be made, payment may be made as
though the Participant or his beneficiary had died at the end of such three-year period. 
 Section 9.09 Liability of the Bank and its
Affiliates. 
 Notwithstanding any provision herein to the contrary, neither the Bank nor any individual acting as an employee or
agent of the Bank shall be liable to any Participant, former Participant, beneficiary, or any other person for any claim, loss, liability or expense incurred in connection with the Plan, unless attributable to fraud or willful misconduct on the part
of the Bank or any such employee or agent of the Bank. 
 Section 9.10 Governing Law. 

All questions pertaining to the construction, validity and effect of the Plan shall be determined in accordance with the laws of the United
States and, to the extent not preempted by such laws, by the laws of the State of New Jersey. 
 Section 9.11 Aggregation of Employers.

 To the extent required under Section 409A of the Code, if the Bank is a member of a controlled group of corporations or a group
of trades or business under common control (as described in Section 414(b) or (c) of the Code), all members of the group shall be treated as a single employer for purposes of whether there has occurred a Separation from Service and for any
other purposes under the Plan as Section 409A of the Code shall require. 

  
 10 

 Section 9.12 Specified Employees. 

Notwithstanding any other provision of the Plan to the contrary, if when a Separation from Service occurs a Participant is a Specified
Employee, the Participant’s benefit shall be paid to the Participant in a single lump sum without interest on the first payroll date of the seventh month following the date on which the Separation from Service occurs. 

Section 9.13 Section 409A. 

It is intended that the Plan is intended to be a plan that is not qualified within the meaning of Section 401(a) of the Code, so as to
prevent the inclusion in gross income of any benefits accrued hereunder in a taxable year prior to the taxable year or years in which such amount would otherwise be actually distributed or made available to the Participants. The Plan shall be
administered and interpreted to the extent possible in a manner consistent with that intent. 
 Section 9.14 409A Application. 

References in this Plan to Section 409A of the Code include rules, regulations, and guidance of general application issued by the
Department of the Treasury under Section 409A of the Code. 

  
 11 

 Having been adopted by its Board of Directors, this Plan is executed by its duly authorized
officer on the 20th day of November, 2013. 
  

									
		 		 		 		 	CLIFTON SAVINGS BANK
	ATTEST:	 		 		 	
				
	/s/ Walter Celuch	 		 	By:	 	/s/ John A. Celentano, Jr.
	Corporate Secretary	 		 		 	For the Entire Board of Director

  
 12EX-10.36

 Exhibit 10.36 

January 24, 2011 
 Walker Digital, LLC 

2 High Ridge Park 
 Stamford, CT 06905 

Attention: Jon Ellenthal, authorized representative, or Jay Walker, CEO (the “Company Designee”) 

Re: Advisory Services 
 Gentlemen: 

This letter agreement (“Agreement”), dated January 21, 2011 (the “Effective Date”), confirms the agreement of Walker Digital, LLC, a
limited liability company organized under the laws of Delaware, having its principal offices at 2 High Ridge Park, Stamford CT 06905 (including its successors, assigns and controlled affiliates formed after the Effective Date and for the purpose of
effectuating the Services contemplated herein; the “Company”), to engage IP Navigation Group, LLC (“IPNav”) to provide certain services to the Company on the following terms and conditions: 

1. Nature of Services. At and under the sole direction of the Company, IPNav will provide services to the Company limited to the following items, which
will be performed on a commercially reasonable basis (“Services”): 
  

	 	A.	Strategic advisory services relating to the nonexclusive licensing, enforcement and settlement with respect to any patent(s) and patent application(s) owned by the Company and listed on Schedule 1 (each, an “IP
Right”; and each such transaction, a “Licensing Transaction”); and 

  

	 	B.	Strategic advisory services relating to various financial and strategic alternatives for the Company, other than a Licensing Transaction, including without limitation acquisitions, business combinations, dispositions
and exclusive licensing transactions with respect to IP Rights or the Company; and 

  

	 	C.	Introductions to individuals and entities that may act as counsel, consultants, vendors and experts to the Company relating to a Licensing Transaction or a Major Transaction (as defined in Section 2.2)
(collectively, a “Strategic Transaction”); and 

  

	 	D.	Introductions to individuals and entities regarding a potential financing for the Company in connection with and as necessary to the accomplishment of a Strategic Transaction, including without limitation, equity, debt,
hybrid and other types of financing (each, a “Financing”); and 

  

	 	E.	Such additional services as may be reasonably requested by the Company and agreed to in a writing signed by the parties to be provided by IPNav. 

 The Company and IPNav shall cooperate with each other to permit IPNav to perform the Services on a commercially
reasonable basis. The Services will be provided by IPNav from such locations, and at such times, as IPNav shall reasonably determine. 
 IPNav agrees to
provide the Services to the best of its reasonable abilities; IPNav does not guarantee a particular outcome. The Company and IPNav have agreed that any decision to proceed with any strategy, transaction or relationship with any entity will be solely
the decision of the Company. 
 For the avoidance of doubt, IP Rights include only those patents and applications listed on Schedule 1 as well as any
continuation, divisional or reissue applications thereto, but IP Rights do not include any inventions with priority dates after the Effective Date. In no circumstances whatsoever shall IPNav receive any fees or compensation under this Agreement
other than pursuant to an effectuated Licensing Transaction or Major Transaction involving the patents listed on Schedule 1. Company 
 2. Fees and
Compensation. 
 2.1 As consideration for IPNav to enter into this Agreement and to provide the Services, the Company shall, with respect to any
Licensing Event (as that term is defined below) that constitutes a Licensing Transaction, make payment to IPNav in an amount equal to twenty percent (20%) of the Gross Consideration (as defined below) (the “IPNav Fee”). With respect
to five currently pending cases (Walker Digital, LLC v. Capital One Services, LLC et al; Walker Digital, LLC v. Microsoft Corporation et al; Walker Digital, LLC v. Activision, Inc. et al; Walker Digital, LLC v. Facebook, Inc.; Walker Digital, LLC et
al. v. Multi-State Lottery Association), IPNav has agreed to reduce the IPNav Fee by up to seventy five (75%) percent (to a level of five (5%) percent) if the Company is not successful in renegotiating its fee arrangement with counsel in
these cases, with the exact amount of such reduction to be established by the Company Designee at its sole discretion. 
 For the purposes
hereof, “Gross Consideration” shall mean any consideration collected by the Company in respect of a Licensing Transaction, including without limitation, any licensing fee, litigation settlement fee, payment of damages or other remedies,
sale payment, and any other consideration, assets and proceeds payable to the Company, without any deductions. 
 For the purposes hereof, a
“Licensing Event” shall mean any event that constitutes a Licensing Transaction in which the Company realizes consideration, assets or proceeds from the monetization of an IP Right, excluding any event that constitutes a Major Transaction.

 2.2 As additional consideration for IPNav to enter into this Agreement and to provide the Services with respect to a transaction that is not a Licensing
Transaction and that constitutes a sale, disposition, exclusive license with respect to an IP Right or an effectively similar transaction (a “Major Transaction”), the Company shall compensate IPNav as follows: 

 

	 	A.	With respect to any Major Transaction, the Company shall pay IPNav an amount equal to twenty percent (20%) of the Gross Major Transaction Consideration (as defined below) (the “Major Transaction Fee”);
provided, further, however, if the Major Transaction is effected through a broker recommended or approved (which approval may not be unreasonably withheld) by IPNav and retained by the Company, IPNav’s fee under Section 2.2(A)(ii) shall be
reduced by the amount of the fees payable to such broker. 

  
 2 

 For the purposes hereof, “Gross Major Transaction Consideration” shall mean all
consideration paid to the Company and/or any interest holder in connection with the Major Transaction, including without limitation all proceeds, assets, securities and forgiveness of debt. 

2.3. The Company agrees that In the event of a direct or indirect transfer, sale, exchange, acquisition or other event Impacting (in any way) title (a
“Transfer”) of any IP Right as defined in Section 1 of this Agreement, that the obligations imposed under Section 2 of this Agreement will be assumed in whole or in part (as applicable) by any entities (including any third party
or parties) involved in such Transfer, such that the compensation due IPNav after the Transfer is equal to the compensation that would have been due IPNav absent the Transfer. Prior to any Transfer, Company shall offer an entity designated by IPNav
transfer terms substantially similar to those of said Transfer, and hold such offer open for a period of ten (10) business days. 
 All payments
required to be made hereunder shall be made within five (5) business days of Company receiving payment pursuant to a Licensing Transaction or a Major Transaction, as applicable, and shall be made (if in cash) by wire transfer to the account
specified by IPNav. Any amounts that are not paid in a timely manner (i.e., after such five business day period) will bear interest at the lower of (i) 22% per annum and (ii) the maximum rate permitted by law. 

3. IPNav Expenses. IPNav shall pay all of its own travel, lodging, copying, fax, telephone and other ordinary business expenses (specifically excluding
costs of any third party) incurred by IPNav in connection with this engagement. The Company will be responsible for any other pre-approved expenses payable to third parties (e.g., fees and expenses of counsel, experts, filings, depositions and any
other non-IPNav expenses). Set forth on Exhibit A are various vendor arrangements currently available to IPNav clients as of the Effective Date of this Agreement. 

4. Indemnification. To induce IPNav to enter Into this Agreement, the Company shall indemnify, hold harmless and reimburse IPNav, its affiliates,
directors, officers, controlling persons, employees, attorneys and agents (“Indemnified Persons”) to the fullest extent lawful against any and all claims, losses, damages, liabilities, expenses, costs, actions, joint or several, of any
nature or type whatsoever (“indemnified Expenses”), relating to or arising from this Agreement and the Services provided hereunder, except to the extent (and only to the extent) that a court of competent jurisdiction determines that such
Indemnified Expenses arose from such Indemnified Person’s gross negligence, breach of this Agreement, reckless or willful misconduct, or fraudulent or illegal activity. 

5. Term. This Agreement shall terminate on the date one year after the last to expire of the patents listed on Schedule 1 (“Term”), but may
be terminated earlier 
 (i) by IPNav upon five (5) business days written notice to the Company, 

(ii) by the Company if it fails to receive Gross Consideration and/or Gross Major Transaction Consideration of at least (x) ten million dollars

  
 3 

 
($10,000,000) in the aggregate within six (6) months after the Effective Date of this Agreement, or (y) sixty million dollars ($60,000,000) in the aggregate within thirty
(30) months after the Effective Date of this Agreement, or (z) one hundred fifty million dollars ($150,000,000) in the aggregate within eighty four (84) months (7 years) after the Effective Date of this Agreement, 

(iii) by either party in the event of fraudulent or felonious activity of the other party, or 

(iv) by the Company if IPNav enters Into, or Is determined to have entered Into prior to the Effective Date, any agreement that puts IPNav in a
position of having a direct conflict of interest with the Company; 
 provided, however, 

 

	 	(a)	Section 2 of this Agreement shall survive any termination of this Agreement unless terminated 

  

	 	1.	by IPNav under clause (i), other than due to a material breach by the Company of this Agreement that has not been cured within thirty (30) days after written notice to the company), in which case, Section 2
shall survive, or 

  

	 	2.	by the Company under clause (ii), (iii) or (iv) above, 

  

	 	(b)	Sections 4, 5, 6, 7, 8, and 9 of this Agreement shall survive any termination of this Agreement and survive until the expiration of the applicable statute of limitations, 

 

	 	(c)	all outstanding payment obligations shall survive expiration or termination of this Agreement for any reason whatsoever. 

  

	 	(d)	a termination of this Agreement shall not cause a termination of the Common interest Agreement between the parties dated January 18, 2011 (the “Common Interest Agreement”). 

For the avoidance of doubt, under no circumstances shall IPNav be entitled to any payments from Company under this Agreement after Company terminates this
Agreement pursuant to its terms (except for payment obligations that were outstanding prior to Company’s termination). 
 This Agreement shall be
terminable by mutual written consent of the parties. 
 6. Miscellaneous. IPNav is being retained by the Company to perform the Services, not as an
agent or advisor of any other person, and the Company’s engagement of IPNav will not confer on any other person not a party to this Agreement any rights of any nature or kind whatsoever IPNav is not a law firm and will not provide legal
services under this Agreement. IPNav will act as an independent contractor and any duties arising out this engagement shall be owed solely to the Company. IPNav is not a fiduciary for the Company. IPNav is now, and may in the future be, engaged by
other entities engaged in businesses similar to and competitive with the Company, provided, however, that (a) in no circumstances may IPNav engage in activities that are directly adverse to an interest of the Company, and (b) IPNav will promptly
disclose to Company the nature of its relationships with any defendant or party that may be directly adverse to Company and with any counterparty to the Company in any potential Licensing Event, Licensing Transaction, Major Transaction, Strategic
Transaction or Financing. The Company has assessed the risks of these conflicts and potential conflicts and determined that the benefit of engaging an advisor with 

  
 4 

 
relevant experience outweighs the risks of these actual conflicts and potential conflicts. There are no third-party beneficiaries (other than the Indemnified Persons) under this Agreement. This
Agreement shall be binding on and inure to the benefit of the Company, IPNav, the Indemnified Persons and their respective successors, assigns, heirs and representatives. This Agreement may only be modified or amended by a written agreement signed
by both parties. This Agreement constitutes the entire agreement between the parties and supersedes any prior written or oral agreements or understandings between the parties hereto. No oral explanation or oral information by either party hereto
shall alter the meaning or interpretation of this Agreement. IPNav and the Company agree that this Agreement shall be governed by and construed under the laws of the State of Texas. Any disputes relating to or arising from this Agreement by or among
the parties shall be resolved exclusively by arbitration to be conducted exclusively in Dallas, Texas in accordance with the Commercial Rules of the American Arbitration Association. Any court of competent jurisdiction shall be authorized to enforce
the provisions of the previous sentence and enforce the remedies imposed by such arbitration. 
 7. Confidential Information; Common Interest;
Non-Circumvention. Both IPNav and the Company shall preserve the confidential nature of any information obtained from the other party during the course of this engagement. From time to time, the parties may share information with each other that
is covered by the attorney-client privilege, work product immunity, or other privileges and immunities. Each of this Agreement and the Common interest Agreement memorialize the parties’ intent and understanding that any such communications are
covered by a community of interest that exists between them with respect to the Services and to the parties’ relationship. The parties intend that all applicable privileges and immunities have been, are, and will be preserved. Neither party
shall take any action that may directly or indirectly circumvent the benefits that are intended to accrue to either party hereunder. Each party shall act in a reasonable manner so as to preserve the goodwill and reputation of each of the parties.

 8. Company Designee; Authorized Officer. IPNav will only be required to report to the Company Designee (or a substitute corporate representative
of Company acceptable to IPNav). Under no circumstances will IPNav be required to coordinate with, report to or address any other officers, directors, shareholders or employees of Company other than the Company Designee. IPNav may at all times rely
on the Company Designee as the official spokesperson and authorized officer of the Company, with full authority to bind the Company. 
 9. Company
Representations and Covenants. As a material inducement to IPNav to enter into this Agreement, the Company represents and covenants that: (i) it has not taken and will not take any action that would adversely impact IPNav’s or the
Company’s ability to comply with its obligations under this Agreement, (ii) as of the Effective Date, there is no material indebtedness of the Company that would adversely impact the Company during the Term and (iii) the Company has (and shall
retain) full, clear and exclusive title to the IP Rights and its material assets, subject to any and all licenses existing as of the Effective Date. 

  
 5 

 ****** 

If the foregoing correctly sets forth our understanding, please sign below and return an executed copy of this Agreement to IP Nav. We look forward to working
with you. 
 Regards, 
  

			
	 IP NAVIGATION GROUP, LLC

		
	By:	 	

		 	Duly Authorized
	
	Accepted and Agreed to:
	
	WALKER DIGITAL, LLC
		
	By:	 	

		 	Duly Authorized

  
 6 

 EXHIBIT A 

Possible Vendor Rates 
 IPNav has
negotiated fees from various vendors at what are believed to be favorable rates. The Company may source these services from other vendors, but these expenses will not constitute Designated Payments. 

 

	 	A.	Litigation Counsel to handle all legal aspects of any litigation filed by the Company. Fees vary in structure, but across all cases, average rates of fifteen percent (15%) of recoveries plus fifty thousand dollars
($50,000) per quarter (capped at some level) will be obtainable. Further proposals on a tiered basis (e.g., 26f conference, expert reports, Markman and trial) will be submitted for consideration by the Company. 

 

	 	B.	Counsel and vendors to (i) collect, electronically format, review for privilege and produce responsive documents in the Company’s control and to (ii) analyze, review and organize documents received from
third parties, including documents produced in the course of any litigation (“Litigation Support Counsel”). Fees of Litigation Support Counsel will be either: (i) twenty five cents ($0.25) per review qualified page; (ii) three
dollars and fifty cents ($3.50) per review qualified document; (iii) twenty five thousand dollars ($25,000) per gigabyte of review qualified documents; or (iv) fifty thousand dollars ($50,000) payable upon filing of any case and three
hundred thousand dollars ($300,000) payable not later than thirty (30) days prior to initial actual or required production deadlines for any case. 

  

	 	B.	Counsel and vendors to (i) prepare Rule 11 analysis, (ii) infringement contentions and (iii) review and analyze invalidity contentions (“Technical Counsel”). Fees of Technical Counsel will be
thirty thousand dollars ($30,000) upon filing of any case. 

  

	 	C.	Various technical, damages and patent experts required to support Licensing Transactions (“Consulting and Testifying Experts”). Fees of Consulting and Testifying Experts will be: (i) ten thousand dollars
($10,000) for consulting experts prior to filing any case or a onetime fee with respect to all related cases of thirty thousand dollars ($30,000) (payable prior to the commencement of any case), exclusive of any product acquisition or breakdown
costs; (ii) hourly fees of five hundred dollars ($500.00) for technical testifying experts relating to infringement and validity matters, payable as incurred; (ill) hourly fees of five hundred dollars ($500.00) for damages testifying
experts, payable as incurred; and (iv) if needed, hourly fees of three hundred dollars ($300.00) for a patent prosecution testifying expert, payable as incurred. 

 

	 	D.	 Graphics presentation experts and vendors to prepare (i) graphics for Markman, (ii) graphics for key motions and (iii) graphics for trial and
appellate matters (“Graphics Vendors”). Fees of Graphics Vendors will be: (i) twenty five thousand dollars ($25,000) payable once a case has been set for a hearing, or a presentation is needed, requiring graphics, payable ten (10) days
prior to such event; (ii) fifty thousand dollars ($50,000) for Markman graphics, payable thirty (30) days prior to any Markman hearing; (iii) one hundred thousand dollars ($100,000) for trial graphics, payable forty five (45)

  
 7 

	 	
days prior to any trial; and (iv) twenty five thousand dollars ($25,000) for appellate graphics, payable forty five (45) days prior to any appellate argument. 

 

	 	E.	If requested by the Company to be coordinated by counsel that IPNav has preferred rate arrangements with, fees and expenses of prosecution counsel to handle regular portfolio services (“Prosecution Counsel”)
and possible reexamination and reissue counsel (“Reexamination Counsel”). Fees of Prosecution Counsel and Reexamination Counsel vary based on portfolio size, technology and required services. 

 

	 	F.	Foreign Litigation Counsel to handle all legal aspects of any litigation filed by the Company in any jurisdiction outside of the United States. Fees vary in structure and pricing based on the jurisdiction where the
action is filed. 

  

	 	G.	ITC Counsel to handle all legal aspects of any action filed by the Company in the United States International Trade Commission. Hourly fees for a typical ITC action range from three hundred dollars ($300.00) to seven
hundred dollars ($700.00), with fixed fee arrangements possible depending on technology. 

 Each of the above third party fees quotes are
current as of the date hereof. Any of these counsel or vendors may seek to change their rates at any time. IPNav has longstanding relationships with many of these counsel and vendors and regularly recommends new counsel and vendors. IPNav and its
affiliates regularly refer business to these counsel or vendors. IPNav or its affiliates may invest in or have other significant relationships with these counsel or vendors. IPNav is not impartial in recommending counsel or vendors that IPNav
believes provide superior service. The Company in not required to use any of these counsel or vendors and is encouraged to source as the Company deems appropriate. IPNav has worked and may continue to work with such counsel and vendors and the
Company, should it choose to work with such counsel and/or vendors, would be asked to waive, and to sign any required waiver of, any conflict of interests in connection with any services provided by any such counsel and/or vendors. 

  
 8 

 SCHEDULE 1 

Walker Digital Patent Assets 
  

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue

Date
	  	 Country
	  	 Title

						
	00-001	  	09/605818	  	7672498	  	01-Dec-
2009	  	US	  	SYSTEM FOR UTILIZING REDEMPTION INFORMATION
						
	00-001-1	  	11/926769	  		  		  	US	  	SYSTEM FOR UTILIZING REDEMPTION INFORMATION
						
	00-004	  	09/603677	  	7542919	  	02-Jun-
2009	  	US	  	METHOD AND APPARATUS FOR SELECTING A SUPPLEMENTAL PRODUCT TO OFFER FOR SALE DURING A TRANSACTION
						
	00-004-C1	  	12/365629	  		  		  	US	  	METHOD AND APPARATUS FOR SELECTING A SUPPLEMENTAL PRODUCT TO OFFER FOR SALE DURING A TRANSACTION
						
	00-006-1	  	11/681441	  		  		  	US	  	METHOD AND APPARATUS FOR CONDUCTING A TRANSACTION BASED ON BRAND INDIFFERENCE
						
	00-006-C1	  	11/686077	  		  		  	US	  	METHOD AND APPARATUS FOR CONDUCTING A TRANSACTION BASED ON BRAND INDIFFERENCE
						
	00-007	  	09/609253	  		  		  	US	  	METHODS AND APPARATUS FOR INCREASING AND/OR FOR MONITORING A PARTY’S COMPLIANCE WITH A SCHEDULE FOR TAKING MEDICINES
						
	00-007-C1	  	11/423881	  		  		  	US	  	METHODS AND APPARATUS FOR INCREASING AND/OR FOR MONITORING A PARTY’S COMPLIANCE WITH A SCHEDULE FOR TAKING MEDICINES
						
	00-007-C2	  	11/423891	  	7801745	  	21-Sep-
2010	  	US	  	METHODS AND APPARATUS FOR INCREASING AND/OR FOR MONITORING A PARTY’S COMPLIANCE WITH A SCHEDULE FOR TAKING MEDICINES
						
	00-007-C3	  	11/423901	  		  		  	US	  	METHODS AND APPARATUS FOR INCREASING AND/OR FOR MONITORING A PARTY’S COMPLIANCE WITH A SCHEDULE FOR TAKING MEDICINES
						
	00-008	  	09/538773	  		  		  	US	  	ENTERTAINMENT LAYER OVERLAID ON ONLINE TRANSACTIONS

  
 9 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue

Date
	  	 Country
	  	 Title

						
	00-009	  	09/504180	  	6839683	  	04-Jan-
2005	  	US	  	SYSTEMS AND METHODS USING A REPRESENTATION OF A STORED BENEFIT TO FACILITATE A TRANSACTION
						
	00-012	  	09/592618	  	7376580	  	02-May-
2008	  	US	  	METHOD AND APPARATUS FOR PROVIDING A BENEFIT DURING A TRANSACTION FOR USE DURING A LATER TRANSACTION
						
	00-012-C1	  	12/108826	  		  		  	US	  	METHOD AND APPARATUS FOR PROVIDING A BENEFIT DURING A TRANSACTION FOR USE DURING A LATER TRANSACTION
						
	00-015	  	09/526834	  	6719631	  	13-Apr-
2004	  	US	  	SYSTEMS AND METHODS FOR DETERMINING A GAMING SYSTEM EVENT PARAMETER BASED ON A PLAYER-ESTABLISHED EVENT PARAMETER
						
	00-017-1	  	11/931864	  		  		  	US	  	SYSTEMS AND METHODS FOR PROVIDING TRANSFERABLE ITEM PRICES
						
	00-017-C1	  	11/319848	  		  		  	US	  	SYSTEMS AND METHODS FOR PROVIDING TRANSFERABLE ITEM PRICES
						
	00-019	  	09/608245	  	6688976	  	10-Feb-
2004	  	US	  	SYSTEMS AND METHODS WHEREIN A LOTTERY NUMBER COMBINATION IS ASSOCIATED WITH A LIMITED NUMBER OF OCCURRENCES
						
	00-019-C1	  	10/730244	  	7704139	  	27-Apr-
2010	  	US	  	SYSTEMS AND METHODS WHEREIN A LOTTERY NUMBER COMBINATION IS ASSOCIATED WITH A LIMITED NUMBER OF OCCURRENCES
						
	00-019-C10	  	12752327	  		  		  	US	  	SYSTEMS AND METHODS WHEREIN A LOTTERY NUMBER COMBINATION IS ASSOCIATED WITH A LIMITED NUMBER OF OCCURRENCES
						
	00-019-C3	  	11/424162	  	7722455	  	25-May-
2010	  	US	  	SYSTEMS AND METHODS WHEREIN A LOTTERY NUMBER COMBINATION IS ASSOCIATED WITH A LIMITED NUMBER OF OCCURRENCES
						
	00-019-C4	  	11/424166	  	7682240	  	23-Mar-
2010	  	US	  	SYSTEMS AND METHODS WHEREIN A LOTTERY NUMBER COMBINATION IS ASSOCIATED WITH A LIMITED NUMBER OF OCCURRENCES

  
 10 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	00-019-C8	  	11/531749	  	7690980	  	06-Apr-
 2010
	  	US	  	SYSTEMS AND METHODS WHEREIN A LOTTERY NUMBER COMBINATION IS ASSOCIATED WITH A LIMITED NUMBER OF OCCURRENCES
						
	00-023	  	09/609598	  	7188080	  	06-Mar-
 2007
	  	US	  	SYSTEMS AND METHODS WHEREIN A BUYER PURCHASES PRODUCTS IN A PLURALITY OF PRODUCT CATEGORIES
						
	00-023-C1	  	11/535322	  		  		  	US	  	SYSTEMS AND METHODS WHEREIN A BUYER PURCHASES PRODUCTS IN A PLURALITY OF PRODUCT CATEGORIES
						
	00-029	  	09/606364	  		  		  	US	  	SYSTEM TO PROVIDE PRICE ADJUSTMENTS BASED ON INDICATED PRODUCT INTEREST
						
	00-030	  	09/855300	  		  		  	US	  	SYSTEM FOR PROVIDING OFFERS USING A BILLING STATEMENT
						
	00-030-C1	  	11/456377	  		  		  	US	  	SYSTEM FOR PROVIDING OFFERS USING A BILLING STATEMENT
						
	00-030-C2-1	  	12/130126	  		  		  	US	  	SYSTEM FOR PROVIDING OFFERS USING A BILLING STATEMENT
						
	00-033	  	09/679186	  	7753772	  	13-Jul-
 2010
	  	US	  	SYSTEMS AND METHODS WHEREIN A PLAYER INDICATES AN ITEM THAT MAY BE RECEIVED BASED ON A GAME EVENT OUTCOME ASSOCIATED WITH THE PLAYER
						
	00-035	  	09/606566	  	6443843	  	03-Sep-
 2002
	  	US	  	SYSTEM TO PROVIDE GAME PLAY FOR PRODUCTS
						
	00-039	  	09/685079	  	7415425	  	19-Aug-
 2008
	  	US	  	SYSTEMS AND METHODS WHEREIN A SECURITY DEPOSIT FACILITATES A TRANSACTION IN WHICH A BENEFIT IS APPLIED IN EXCHANGE FOR PERFORMANCE OF A TASK
						
	00-039-1	  	11/927912	  	7774240	  	10-Aug-
 2010
	  	US	  	METHODS WHEREIN A SECURITY DEPOSIT FACILITATES A TRANSACTION IN WHICH A BENEFIT IS APPLIED IN EXCHANGE FOR PERFORMANCE OF A TASK
						
	00-039-C1	  	12/190244	  		  		  	US	  	SYSTEMS AND METHODS WHEREIN A SECURITY DEPOSIT FACILITATES A TRANSACTION IN WHICH A BENEFIT IS APPLIED IN EXCHANGE FOR PERFORMANCE OF A TASK

  
 11 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	00-044	  	09/659752	  	6634550	  	21-Oct-
 2003
	  	US	  	GAME PRESENTATION IN A RETAIL ESTABLISHMENT
						
	00-047	  	09/678117	  	7739124	  	15-Jun-
 2010
	  	US	  	SYSTEM, METHOD AND APPARATUS FOR ENCOURAGING THE UNDERTAKING OF A PREVENTATIVE TREATMENT
						
	00-055	  	09/609017	  	7366675	  	29-Apr-
 2008
	  	US	  	METHODS AND APPARATUS FOR INCREASING, MONITORING AND/OR REWARDING A PARTY’S COMPLIANCE WITH A SCHEDULE FOR TAKING MEDICINES
						
	00-065	  	09/930717	  	6964611	  	15-Nov-
2005	  	US	  	SYSTEM AND METHOD FOR AUTOMATED PLAY OF LOTTERY GAMES
						
	00-065-C1	  	11/199405	  	7837549	  	23-Nov-
2010	  	US	  	SYSTEM AND METHOD FOR AUTOMATED PLAY OF LOTTERY GAMES
						
	00-065-C2	  	11/424430	  		  		  	US	  	SYSTEM AND METHOD FOR AUTOMATED PLAY OF LOTTERY GAMES
						
	00-065-C3	  	11/424435	  		  		  	US	  	SYSTEM AND METHOD FOR AUTOMATED PLAY OF LOTTERY GAMES
						
	00-065-C4	  	11/424441	  		  		  	US	  	SYSTEM AND METHOD FOR AUTOMATED PLAY OF LOTTERY GAMES
						
	00-066	  	09/938977	  	6773345	  	10-Aug-
 2004
	  	US	  	SYSTEMS AND METHODS FOR LOTTERY GAME PLAY AGGREGATION
						
	00-086	  	09/686638	  	6802772	  	12-Oct-
 2004
	  	US	  	SYSTEMS AND METHODS WHEREIN AT LEAST ONE SET OF POSSIBLE INPUT PARAMETERS TO A PHYSICS SIMULATION WILL PRODUCE A SUCCESSFUL GAME RESULT
						
	00-094	  	09/714558	  	6749505	  	15-Jun-
 2004
	  	US	  	SYSTEMS AND METHODS FOR ALTERING GAME INFORMATION INDICATED TO A PLAYER
						
	00-112	  	10/100564	  	6805290	  	19-Oct-
 2004
	  	US	  	PROCESS AND PRODUCT FOR ENFORCING PURCHASE AGREEMENTS
						
	00-113	  	10/100563	  	7340419	  	04-Mar-
 2008
	  	US	  	METHOD AND APPARATUS FOR PRODUCT DISPLAY
						
	00-113-1	  	11/461259	  	7835950	  	16-Nov-
 2010
	  	US	  	METHOD AND APPARATUS FOR PRODUCT DISPLAY
						
	00-113-C1	  	11/937743	  		  		  	US	  	METHOD AND APPARATUS FOR PRODUCT DISPLAY

  
 12 

											
	 Docket No.
	  	 Application No.
	  	 Patent

No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	00-116	  	10/123634	  		  		  	US	  	METHOD AND APPARATUS FOR MARKETING SUPPLEMENTAL INFORMATION
						
	01-001-C1	  	12/572725	  		  		  	US	  	METHOD AND APPARATUS FOR GENERATING AND MARKETING SUPPLEMENTAL INFORMATION
						
	01-015	  	09/858458	  	7184990	  	07-Feb-
 2007
	  	US	  	METHOD AND APPARATUS FOR SELLING AN AGING FOOD PRODUCT
						
	01-015-C1	  	11/621422	  	7756746	  	13-Jul-
 2010
	  	US	  	METHOD AND APPARATUS FOR SELLING AN AGING FOOD PRODUCT
						
	01-023-1	  	11/927932	  		  		  	US	  	METHOD AND APPARATUS FOR PROVIDING A SUPPLEMENTARY PRODUCT SALE AT A POINT-OF-SALE TERMINAL
						
	01-023-C1	  	11/773274	  		  		  	US	  	METHOD AND APPARATUS FOR PROVIDING A SUPPLEMENTARY PRODUCT SALE AT A POINT-OF- SALE TERMINAL
						
	01-029	  	09/907112	  	6959387	  	25-Oct-
 2005
	  	US	  	METHOD AND APPARATUS FOR VERIFYING SECURE DOCUMENT TIMESTAMPING
						
	01-029-R1	  	11/293790	  	RE41960	  	23-Nov-
 2010
	  	US	  	METHOD AND APPARATUS FOR VERIFYING SECURE DOCUMENT TIMESTAMPING
						
	01-029-R2	  	11/541520	  		  		  	US	  	METHOD AND APPARATUS FOR VERIFYING SECURE DOCUMENT TIMESTAMPING
						
	01-029-R3	  	11/541522	  	RE42018	  		  	US	  	METHOD AND APPARATUS FOR VERIFYING SECURE DOCUMENT TIMESTAMPING
						
	01-033	  	09/973581	  	7231035	  	12-Jun-
 2007
	  	US	  	METHOD AND APPARATUS FOR ENTERTAINING CALLERS IN A QUEUE
						
	01-033-C1	  	11/760970	  	7760867	  	20-Jul-
 2010
	  	US	  	METHOD AND APPARATUS FOR ENTERTAINING CALLERS IN A QUEUE
						
	01-035	  	10/146302	  	6739505	  	25-May-
2004	  	US	  	DEVICE AND METHOD FOR PROMOTING THE SELECTION AND USE OF A TRANSACTION CARD
						
	01-038	  	09/994569	  	6597770	  	22-Jul-
 2003
	  	US	  	METHOD AND SYSTEM FOR AUTHORIZATION OF ACCOUNT-BASED TRANSACTIONS
						
	01-046	  	10/037143	  	7318041	  	08-Jan-
 2008
	  	US	  	MULTIPLE PARTY REWARD SYSTEM UTILIZING SINGLE ACCOUNT

  
 13 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	01-046-C1	  	11/958571	  		  		  	US	  	MULTIPLE PARTY REWARD SYSTEM UTILIZING SINGLE ACCOUNT
						
	02-006	  	10/095538	  	7484172	  	27-Jan-
 2009
	  	US	  	SYSTEM AND METHOD FOR PROVIDING A CUSTOMIZED INDEX WITH HYPER-FOOTNOTES
						
	02-028	  	10/159945	  	7192352	  	20-Mar-
 2007
	  	US	  	SYSTEM AND METHOD FOR FACILITATING PLAY OF A VIDEO GAME VIA A WEB SITE
						
	02-028-C4	  	11/624752	  	7390255	  	24-Jun-
 2008
	  	US	  	SYSTEM AND METHOD FOR FACILITATING PLAY OF A VIDEO GAME VIA A WEB SITE
						
	02-028-C5	  	11/624764	  		  		  	US	  	SYSTEM AND METHOD FOR FACILITATING PLAY OF A VIDEO GAME VIA A WEB SITE
						
	02-028-C7	  	11/624798	  	7438642	  	21-Oct-
 2008
	  	US	  	SYSTEM AND METHOD FOR FACILITATING PLAY OF A VIDEO GAME VIA A WEB SITE
						
	02-047	  	09/851270	  	6468155	  	22-Oct-
 2002
	  	US	  	SYSTEMS AND METHODS TO FACILITATE GAMES OF SKILL FOR PRIZES PLAYED VIA A COMMUNICATION NETWORK
						
	02-049	  	09/843412	  	6650952	  	18-Nov-
2003	  	US	  	SYSTEMS AND METHODS TO ENSURE THAT A THRESHOLD GAME RESULT IS POSSIBLE
						
	02-052	  	09/818882	  	7104885	  	12-Sep-
 2006
	  	US	  	SYSTEMS AND METHODS WHEREIN A RECONFIGURATION RULE IS NOT INDICATED DURING AT LEAST A PORTION OF GAME PLAY
						
	02-052-C1	  	11/468003	  	7819733	  	26-Oct-
 2010
	  	US	  	SYSTEMS AND METHODS WHEREIN A RECONFIGURATION RULE IS NOT INDICATED DURING AT LEAST A PORTION OF GAME PLAY
						
	02-065	  	10/189310	  	7251620	  	31-Jul-
 2007
	  	US	  	PROCESS AND PRODUCT FOR DETERMINING AN AMOUNT OF POSTING PAYMENT
						
	02-065-C1	  	11/776164	  		  		  	US	  	PROCESS AND PRODUCT FOR DETERMINING AN AMOUNT OF POSTING PAYMENT
						
	02-067	  	10/244262	  	6985879	  	10-Jan-
 2006
	  	US	  	SYSTEMS AND METHODS FOR FACILITATING GROUP REWARDS
						
	02-074	  	10/218157	  	7430521	  	30-Sep-
 2008
	  	US	  	SYSTEM AND METHOD FOR MANAGING CUSTOMIZED REWARD OFFERS
						
	02-074-C1	  	12/237716	  		  		  	US	  	SYSTEM AND METHOD FOR MANAGING CUSTOMIZED REWARD OFFERS

  
 14 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	02-085-C1	  	12/472149	  		  		  	US	  	SYSTEMS AND METHODS FOR SUGGESTING META- INFORMATION TO A CAMERA USER
						
	02-088	  	10/234075	  	7390264	  	24-Jun-
 2008
	  	US	  	METHOD AND SYSTEM TO INCORPORATE GAME PLAY INTO PRODUCT TRANSACTIONS
						
	02-088-C1	  	12/123674	  		  		  	US	  	METHOD AND SYSTEM TO INCORPORATE GAME PLAY INTO PRODUCT TRANSACTIONS
						
	02-089	  	10/242490	  	7483670	  	27-Jan-
 2009
	  	US	  	METHOD AND APPARATUS FOR EDUCATIONAL TESTING
						
	02-089-C1	  	12/359838	  		  		  	US	  	METHOD AND APPARATUS FOR EDUCATIONAL TESTING
						
	02-092	  	2006-547417	  		  		  	JP	  	METHOD AND APPARATUS FOR AUTOMATICALLY CAPTURING AND MANAGING IMAGES
						
	02-092	  	2004311841	  	2004311
 841
	  	22-Jan-
 2009
	  	AU	  	METHOD AND APPARATUS FOR AUTOMATICALLY CAPTURING AND MANAGING IMAGES
						
	02-092	  	2554135	  		  		  	CA	  	METHOD AND APPARATUS FOR AUTOMATICALLY CAPTURING AND MANAGING IMAGES
						
	02-092	  	11/719108	  		  		  	US	  	METHOD AND APPARATUS FOR AUTOMATICALLY CAPTURING AND MANAGING IMAGES
						
	02-092	  	2009-192265	  		  		  	JP	  	METHOD AND APPARATUS FOR AUTOMATICALLY CAPTURING AND MANAGING IMAGES
						
	02-099-C1	  	11/284309	  	7362862	  	22-Apr-
 2008
	  	US	  	METHODS AND APPARATUS FOR AWARDING PRIZES BASED ON AUTHENTICATION OF COMPUTER GENERATED OUTCOMES USING COUPONS
						
	02-100A	  	10/786831	  	7292723	  	06-Nov-
 2007
	  	US	  	SYSTEM FOR IMAGE ANALYSIS IN A NETWORK THAT IS STRUCTURED WITH MULTIPLE LAYERS AND DIFFERENTIALLY WEIGHTED NEURONS
						
	02-100A-C1	  	11/427466	  	7596260	  	29-Sep-
 2009
	  	US	  	SYSTEM FOR IMAGE ANALYSIS IN A NETWORK THAT IS STRUCTURED WITH MULTIPLE LAYERS AND DIFFERENTIALLY WEIGHTED NEURONS
						
	02-100A-C2	  	11/427480	  	7729532	  	01-Jun-
 2010
	  	US	  	SYSTEM FOR IMAGE ANALYSIS IN A NETWORK THAT IS STRUCTURED WITH MULTIPLE LAYERS AND DIFFERENTIALLY WEIGHTED NEURONS

  
 15 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	02-100A-C3	  	11/427489	  		  		  	US	  	SYSTEM FOR IMAGE ANALYSIS IN A NETWORK THAT IS STRUCTURED WITH MULTIPLE LAYERS AND DIFFERENTIALLY WEIGHTED NEURONS
						
	03-006-C2	  	11/456306	  	7841514	  	30-Nov-
 2010
	  	US	  	DIGITAL ADVERTISEMENT BOARD IN COMMUNICATION WITH POINT-OF-SALE TERMINALS
						
	03-034	  	10/825535	  	7690989	  	06-Apr-
 2010
	  	US	  	SYSTEM AND METHOD FOR AWARDING PRIZES IN A LOCAL EDITION OF AN ONLINE GAME
						
	03-034-C1	  	12/722892	  		  		  	US	  	SYSTEM AND METHOD FOR AWARDING PRIZES IN A LOCAL EDITION OF AN ONLINE GAME
						
	03-043	  	10/457101	  	7351142	  	01-Apr-
 2008
	  	US	  	METHOD AND APPARATUS FOR FACILITATING PLAY OF FRACTIONAL VALUE LOTTERY GAMES
						
	03-044	  	10/603110	  	7433451	  	07-Oct-
 2008
	  	US	  	SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS
						
	03-044-C1	  	12/245995	  		  		  	US	  	SYSTEM AND METHOD FOR FACILITATING ACCOUNT-BASED TRANSACTIONS
						
	03-057	  	10/689790	  	7168617	  	30-Jan-
 2007
	  	US	  	GAME PRESENTATION IN A RETAIL ESTABLISHMENT
						
	03-057-C1	  	11/668498	  	7533810	  	19-May-
 2009
	  	US	  	GAME PRESENTATION IN A RETAIL ESTABLISHMENT
						
	03-057-C2	  	12/468582	  	7845555	  	07-Dec-
 2010
	  	US	  	GAME PRESENTATION IN A RETAIL ESTABLISHMENT
						
	03 057-C3	  	12/962081	  		  		  	US	  	GAME PRESENTATION IN A RETAIL ESTABLISHMENT
						
	04-005	  	10/843239	  	7426268	  	16-Sep-
 2008
	  	US	  	SYSTEM AND METHOD FOR CALL ROUTING AND ENABLING INTERACTION BETWEEN CALLERS WITH CALLS POSITIONED IN A QUEUE
						
	04-005-C1	  	12/210424	  		  		  	US	  	SYSTEM AND METHOD FOR CALL ROUTING AND ENABLING INTERACTION BETWEEN CALLERS WITH CALLS POSITIONED IN A QUEUE
						
	04-010-C1	  	11/427369	  		  		  	US	  	METHOD AND SYSTEM FOR ANONYMOUS COMMUNICATION OF INFORMATION ABOUT A HOME

  
 16 

											
	 Docket No.
	  	 Application No.
	  	 Patent

No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	04-010-C3	  	11/427391	  		  		  	US	  	METHOD AND SYSTEM FOR ANONYMOUS COMMUNICATION OF INFORMATION ABOUT A HOME
						
	04-013	  	10/849622	  	7090123	  	15-Aug-
 2006
	  	US	  	METHOD AND APPARATUS FOR PROMOTING THE SELECTION AND USE OF A TRANSACTION CARD
						
	04-013	  	05749843.8	  		  		  	EP	  	METHOD AND APPARATUS FOR PROMOTING THE SELECTION AND USE OF A TRANSACTION CARD
						
	04-013-C1	  	11/459063	  	7,806,320	  	05-Oct-
 2010
	  	US	  	METHOD AND APPARATUS FOR PROMOTING THE SELECTION AND USE OF A TRANSACTION CARD
						
	04-013-C2	  	12/898273	  		  		  	US	  	METHOD AND APPARATUS FOR PROMOTING THE SELECTION AND USE OF A TRANSACTION CARD
						
	04-014-1	  	11/930893	  	7860753	  	28-Dec-
 2010
	  	US	  	PURCHASING, REDEMPTION AND SETTLEMENT SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK
						
	04-014-2	  	12/955272	  		  		  	US	  	PURCHASING, REDEMPTION AND SETTLEMENT SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK
						
	04-014-C1	  	11/426786	  	7689468	  	30-Mar-
 2010
	  	US	  	PURCHASING, REDEMPTION AND SETTLEMENT SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK
						
	04-019	  	10/855653	  	7664705	  	16-Feb-
 2010
	  	US	  	METHODS AND SYSTEMS FOR ACCEPTING OFFERS VIA CHECKS
						
	04-019-C1	  	12/705856	  		  		  	US	  	METHODS AND SYSTEMS FOR ACCEPTING OFFERS VIA CHECKS
						
	04-021	  	05754258.1	  		  		  	EP	  	PRODUCTS AND PROCESSES FOR APPLYING CONDITIONS TO A LOTTERY ENTRY

  
 17 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	04-021-C1	  	11/424402	  	7811166	  	12-Oct-
 2010
	  	US	  	PRODUCTS AND PROCESSES FOR APPLYING CONDITIONS TO A LOTTERY ENTRY
						
	04-021-C2	  	11/424408	  	7789745	  	07-Sep-
 2010
	  	US	  	PRODUCTS AND PROCESSES FOR APPLYING CONDITIONS TO A LOTTERY ENTRY
						
	04-021-C3	  	11/424418	  	7674171	  	09-Mar-
 2010
	  	US	  	PRODUCTS AND PROCESSES FOR APPLYING CONDITIONS TO A LOTTERY ENTRY
						
	04-021-C4	  	12/902616	  		  		  	US	  	PRODUCTS AND PROCESSES FOR APPLYING CONDITIONS TO A LOTTERY ENTRY
						
	04-030	  	10/864834	  	7526440	  	28-Apr-
 2009
	  	US	  	METHODS AND SYSTEMS FOR FACILITATING THE PROVISION OF OPINIONS TO A SHOPPER FROM A PANEL OF PEERS
						
	04-030-C1	  	12/431470	  		  		  	US	  	METHODS AND SYSTEMS FOR FACILITATING THE PROVISION OF OPINIONS TO A SHOPPER FROM A PANEL OF PEERS
						
	04-040	  	10/914690	  	7582012	  	01-Sep-
 2009
	  	US	  	METHODS AND APPARATUS FOR LOTTERY GAME PLAY AGGREGATION
						
	04-040-C1	  	11/424598	  	7727063	  	01-Jun-
 2010
	  	US	  	METHODS AND APPARATUS FOR LOTTERY GAME PLAY AGGREGATION
						
	04-040-C4	  	12/791813	  		  		  	US	  	METHODS AND APPARATUS FOR LOTTERY GAME PLAY AGGREGATION
						
	04-051	  	10/968340	  	7293703	  	13-Nov-
 2007
	  	US	  	APPARATUS AND METHODS FOR ENFORCING PURCHASE AGREEMENTS
						
	04-051-C1	  	11/937832	  	7637428	  	29-Dec-
 2009
	  	US	  	APPARATUS AND METHODS FOR ENFORCING PURCHASE AGREEMENTS
						
	04-051-C2	  	12/644196	  		  		  	US	  	APPARATUS AND METHODS FOR ENFORCING PURCHASE AGREEMENTS
						
	05-016	  	11/122855	  		  		  	US	  	SYSTEMS AND METHODS FOR FACILITATING PLAY OF LOTTERY GAMES
						
	05-023	  	11/570616	  		  		  	US	  	APPARATUS, SYSTEMS AND METHODS FOR FACILITATING COMMERCE
						
	05-027-C1	  	12/694886	  		  		  	US	  	PRODUCTS AND PROCESSES FOR PROVIDING ONE OR MORE LINKS IN AN ELECTRONIC FILE THAT IS PRESENTED TO A USER

  
 18 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	05-037	  	11/257456	  		  		  	US	  	SYSTEMS AND METHODS FOR FACILITATING GROUP REWARDS
						
	05-038	  	11/317522	  		  		  	US	  	SYSTEMS AND METHODS FOR PROCESSING A REBATE
						
	05-062	  	11/814763	  		  		  	US	  	SYSTEMS, PRODUCTS AND PROCESSES FOR CONDUCTING INSTANT LOTTERY GAMES
						
	06-019	  	PCT/US0784675	  		  		  	WO	  	METHODS AND APPARATUS FOR CONDUCTING LOTTERY GAMES
						
	06-019	  	12/514693	  		  		  	US	  	METHODS AND APPARATUS FOR CONDUCTING LOTTERY GAMES
						
	06-028	  	11/531559	  		  		  	US	  	PREMIUMS FOR EARLY REDEMPTION OF LOTTERY ENTRIES
						
	07-013	  	PCT/US0863933	  		  		  	WO	  	GROUP PLAY OF A LOTTERY GAME
						
	07-013	  	12/600422	  		  		  	US	  	GROUP PLAY OF A LOTTERY GAME
						
	07-016	  	12/234144	  		  		  	US	  	SYSTEMS AND METHODS FOR CONDUCTING LOTTERY GAMES
						
	07-021	  	12/270455	  		  		  	US	  	METHODS AND SYSTEMS FOR BROADCASTING MODIFIED LIVE MEDIA
						
	07-027	  	12/350719	  		  		  	US	  	SYSTEMS AND METHODS FOR PRESENTING PREDICTION IN A BROADCAST
						
	08-010	  	12/423385	  		  		  	US	  	SYSTEMS, METHODS, AND APPARATUS FOR ENHANCING AND UTILIZING OWED-VALUE ACCOUNTS
						
	08-014	  	12/425899	  		  		  	US	  	SYSTEMS AND METHODS FOR DETERMINING A LOTTERY WINNER BASED ON A PLURALITY OF LOTTERY TICKETS
						
	08-015	  	12/424770	  		  		  	US	  	PRODUCTS AND PROCESS FOR APPLYING CONDITIONS TO A LOTTERY ENTRY
						
	08-016	  	12/425378	  		  		  	US	  	SYSTEMS, METHODS AND APPARATUS FOR FACILITATING MULTI-ROUND LOTTERY PLAY
						
	08-021	  	61/045745	  		  		  	US	  	METHOD OF REGISTERING A PLAYER TO PROVIDE A GIFT AFTER WINNING A LOTTERY
						
	08-022	  	12/425978	  		  		  	US	  	LOTTERY SYSTEMS, METHODS AND APPARATUS PROVIDING A LIMITED PRIZE ELIGIBILITY OPTION

  
 19 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	08-031	  	12/605150	  		  		  	US	  	SYSTEMS AND METHODS FOR REWARDING GROUP PARTICIPATION IN LOTTERY GAMES
						
	08-031	  	2009/061901	  		  		  	WO	  	SYSTEMS AND METHODS FOR REWARDING GROUP PARTICIPATION IN LOTTERY GAMES
						
	09-004	  	61/220105	  		  		  	US	  	SYSTEMS AND METHODS FOR GROUP COMMUNICATIONS
						
	09-004	  	61/247737	  		  		  	US	  	SYSTEMS AND METHODS FOR GROUP COMMUNICATIONS
						
	09-004	  	61/267002	  		  		  	US	  	SYSTEMS AND METHODS FOR GROUP COMMUNICATIONS
						
	09-004	  	61/337688	  		  		  	US	  	SYSTEMS AND METHODS FOR GROUP COMMUNICATIONS
						
	09-004	  	12/823118	  		  		  	US	  	SYSTEMS AND METHODS FOR GROUP COMMUNICATIONS
						
	09-006	  	12/889382	  		  		  	US	  	SYSTEMS AND METHODS FOR OPERATING LOTTERY GAMES INCLUDING PLAYER-DESIGNATED BENEFICIARIES AND CONDITIONAL PAYOUT DISTRIBUTION
						
	10-001	  	61321722	  		  		  	US	  	SYSTEMS AND METHODS FOR CONDUCTING AN EXTENDED-PLAY LOTTERY GAME
						
	10-002	  	61/327675	  		  		  	US	  	SYSTEMS AND METHODS FOR FACILITATING USE OF TECHNOLOGY
						
	10-002	  	61/350709	  		  		  	US	  	SYSTEMS AND METHODS FOR FACILITATING USE OF TECHNOLOGY
						
	10-002	  	61/390703	  		  		  	US	  	SYSTEMS AND METHODS FOR FACILITATING USE OF TECHNOLOGY
						
	10-004	  	61/329071	  		  		  	US	  	SYSTEMS AND METHODS FOR CONDUCTING AN EXTENDED-PLAY LOTTERY
						
	95-002	  	08/561668	  	5768382	  	16-Jun-
 1998
	  	US	  	REMOTE AUDITING OF COMPUTER GENERATED OUTCOMES AND AUTHENTICATED BILLING AND ACCESS CONTROL SYSTEM USING CRYPTOGRAPHIC AND OTHER PROTOCOLS

  
 20 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	95-002X	  	08/677544	  	5970143	  	19-Oct-
 1999
	  	US	  	REMOTE-AUDITING OF COMPUTER GENERATED OUTCOMES, AUTHENTICATED BILLING AND ACCESS CONTROL, AND SOFTWARE METERING SYSTEM USING CRYPTOGRAPHIC AND OTHER PROTOCOLS
						
	95-003	  	08/570443	  	5825863	  	20-Oct-
 1998
	  	US	  	PREPAID LIMITED USAGE CALLING CARD
						
	95-004	  	08/618947	  	5921864	  	13-Jul-
 1999
	  	US	  	ELECTRONIC WORD PUZZLE GAME
						
	95-005	  	08/622034	  	5923763	  	13-Jul-
 1999
	  	US	  	METHOD AND APPARATUS FOR SECURE DOCUMENT TIMESTAMPING
						
	95-005	  	97919895.9	  	0890238	  	29-Jun-
 2005
	  	EP	  	METHOD AND APPARATUS FOR SECURE DOCUMENT TIMESTAMPING
						
	95-005	  	69733644.1	  	0890238	  	28-Sep-
 2005
	  	DE	  	METHOD AND APPARATUS FOR SECURE DOCUMENT TIMESTAMPING
						
	95-005	  	97919895.9	  	0890238	  	19-Jul-
 2005
	  	GB	  	METHOD AND APPARATUS FOR SECURE DOCUMENT TIMESTAMPING
						
	95-005X	  	09/149024	  	6263438	  	17-Jul-
 2001
	  	US	  	METHOD AND APPARATUS FOR SECURE DOCUMENT TIMESTAMPING
						
	95-006	  	08/628920	  	5828751	  	27-Oct-
 1998
	  	US	  	METHOD AND APPARATUS FOR SECURE MEASUREMENT CERTIFICATION
						
	95-006-C1	  	12/491114	  		  		  	US	  	METHOD AND APPARATUS FOR SECURE MEASUREMENT CERTIFICATION
						
	95-006X	  	09/149025	  	6289453	  	11-Sep-
 2001
	  	US	  	METHOD AND APPARATUS FOR SECURE MEASUREMENT CERTIFICATION
						
	95-006XX	  	09/706646	  	6282648	  	28-Aug-
 2001
	  	US	  	METHOD AND APPARATUS FOR SECURE MEASUREMENT CERTIFICATION
						
	95-007X	  	08/624998	  	5871398	  	16-Feb-
1999	  	US	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X	  	96923577.9	  	0956117	  	23-May-
 2007
	  	EP	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X	  	09-505267	  	3632133	  	17-Jan-
 2005
	  	JP	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X	  	52850/98	  	724858	  	25-Jan-
 2001
	  	AU	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X	  	770698	  	770698	  	10-Jun-
 2004
	  	AU	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL

  
 21 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	95-007X	  	96923577.9	  	0956117	  		  	GB	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X-C1	  	09/063590	  	6402614	  	11-Jun-
 2002
	  	US	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X-C2	  	10/145964	  	6607439	  	19-Aug-
 2003
	  	US	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X-C3	  	10/620260	  	6942570	  	13-Sep-
 2005
	  	US	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X-C4	  	11/057665	  	7008318	  	07-Mar-
 2006
	  	US	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X-C5	  	11/304103	  	7285045	  	23-Oct-
 2007
	  	US	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAME OF SKILL
						
	95-007X-C6	  	11/426959	  	7303468	  	04-Dec-
 2007
	  	US	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007X-C7	  	11/426963	  		  		  	US	  	OFF-LINE REMOTE SYSTEM FOR LOTTERIES AND GAMES OF SKILL
						
	95-007XX	  	08/858123	  	6024640	  	15-Feb-
 2000
	  	US	  	OFF-LINE REMOTE LOTTERY SYSTEM
						
	96-001	  	08/635576	  	5779549	  	14-Jul-
 1998
	  	US	  	DATABASE DRIVEN ONLINE DISTRIBUTED TOURNAMENT SYSTEM
						
	96-001-C1	  	09/028781	  	6224486	  	01-May-
 2001
	  	US	  	DATABASE DRIVEN ONLINE DISTRIBUTED TOURNAMENT SYSTEM
						
	96-001-C2	  	09/768567	  	6425828	  	30-Jul-
 2002
	  	US	  	DATABASE DRIVEN ONLINE DISTRIBUTED TOURNAMENT SYSTEM
						
	96-002	  	08/685706	  	5862223	  	19-Jan-
 1999
	  	US	  	METHOD AND APPARATUS FOR A CRYPTOGRAPHICALLY-ASSISTED COMMERCIAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE
						
	96-002	  	38120/97	  	724040	  	24-Jul-
 1997
	  	AU	  	METHOD AND APPARATUS FOR A CRYPTOGRAPHICALLY-ASSISTED COMMERCIAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE
						
	96-002	  	2260272	  	2260272	  	01-Jul-
 2003
	  	CA	  	METHOD AND APPARATUS FOR A CRYPTOGRAPHICALLY-ASSISTED COMMERCIAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE

  
 22 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	96-002-C1	  	09/112131	  	7523045	  	21-Apr-
 2009
	  	US	  	METHOD AND APPARATUS FOR A CRYPTOGRAPHICALLY-ASSISTED COMMERCIAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE
						
	96-002-C2	  	11/423753	  		  		  	US	  	METHOD AND APPARATUS FOR A CRYPTOGRAPHICALLY-ASSISTED COMMERCIAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE
						
	96-004	  	08/647301	  	5947747	  	07-Sep-
 1999
	  	US	  	METHOD AND APPARATUS FOR COMPUTER-BASED EDUCATIONAL TESTING
						
	96-013	  	08/832832	  	6477513	  	05-Nov-
 2002
	  	US	  	 METHOD AND APPARATUS FOR EXECUTING

CRYPTOGRAPHICALLY-ENABLED LETTERS OF CREDIT

						
	96-013-C1	  	10/253192	  	6904418	  	07-Jun-
 2005
	  	US	  	 METHOD AND APPARATUS FOR EXECUTING

CRYPTOGRAPHICALLY-ENABLED LETTERS OF CREDIT

						
	96-013-C2	  	11/103906	  		  		  	US	  	 METHOD AND APPARATUS FOR EXECUTING

CRYPTOGRAPHICALLY-ENABLED LETTERS OF CREDIT - CON

						
	96-014	  	08/708968	  	5884272	  	16-Mar-
 1999
	  	US	  	METHOD AND SYSTEM FOR ESTABLISHING AND MAINTAINING USER-CONTROLLED ANONYMOUS COMMUNICATIONS
						
	96-014	  	2264912	  	2264912	  	19-Nov-
 2002
	  	CA	  	METHOD AND SYSTEM FOR ESTABLISHING AND MAINTAINING USER-CONTROLLED ANONYMOUS COMMUNICATIONS
						
	96-018	  	08/729426	  	5995976	  	30-Nov-
 1999
	  	US	  	METHOD AND APPARATUS FOR DISTRIBUTING SUPPLEMENTAL INFORMATION RELATED TO PRINTED ARTICLES
						
	96-018-C1	  	09/422719	  	6449616	  	10-Sep-
 2002
	  	US	  	METHOD AND APPARATUS FOR DISTRIBUTING SUPPLEMENTAL INFORMATION RELATED TO PRINTED ARTICLES
						
	96-024	  	08/749241	  	5884274	  	16-Mar-
 1999
	  	US	  	SYSTEM AND METHOD FOR GENERATING AND EXECUTING INSURANCE POLICIES FOR FOREIGN EXCHANGE LOSSES

  
 23 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	96-024-C1	  	09/262810	  	6128598	  	03-Oct-
 2000
	  	US	  	SYSTEM AND METHOD FOR GENERATING AND EXECUTING INSURANCE POLICIES FOR FOREIGN EXCHANGE LOSSES
						
	96-028	  	08/859722	  	6111953	  	29-Aug-
 2000
	  	US	  	METHOD AND APPARATUS FOR AUTHENTICATING A DOCUMENT
						
	96-043	  	08/841791	  	5926796	  	20-Jul-
 1999
	  	US	  	METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT
						
	96-043-1	  	09/073165	  	6470322	  	22-Oct-
 2002
	  	US	  	METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT
						
	96-043-2	  	09/073082	  	6542874	  	01-Apr-
 2003
	  	US	  	METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT
						
	96-043-3	  	09/073169	  	6334113	  	25-Dec-
 2001
	  	US	  	METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT
						
	96-043-4	  	09/072715	  	6334112	  	25-Dec-
 2001
	  	US	  	METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT
						
	96-043-C1	  	09/335644	  	6317723	  	13-Nov-
 2001
	  	US	  	METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT
						
	96-043-C2	  	09/998760	  	7509268	  	24-Mar-
 2009
	  	US	  	METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT
						
	96-043-C2-1	  	11/832943	  		  		  	US	  	METHOD AND APPARATUS FOR SELLING SUBSCRIPTIONS TO PERIODICALS IN A RETAIL ENVIRONMENT
						
	96-046	  	08/874280	  	5949044	  	07-Sep-
1999	  	US	  	METHOD AND APPARATUS FOR FUNDS AND CREDIT LINE TRANSFERS
						
	96-046-C1	  	09/359002	  	6267292	  	31-Jul-
 2001
	  	US	  	METHOD AND APPARATUS FOR FUNDS AND CREDIT LINE TRANSFERS
						
	96-059	  	08/919339	  	6163771	  	19-Dec-
 2000
	  	US	  	METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER

  
 24 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	96-059-1	  	09/542676	  	7177835	  	13-Feb-
 2007
	  	US	  	METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER
						
	96-059-1-C1	  	11/338152	  	7844550	  	30-Nov-
 2010
	  	US	  	METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER
						
	96-059-C1	  	09/694191	  	7853529	  	14-Dec-
2010	  	US	  	METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER
						
	96-059-C2	  	11/422986	  		  		  	US	  	METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER
						
	96-059-C5	  	12/845189	  		  		  	US	  	METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER
						
	96-059-C6	  	12/850305	  		  		  	US	  	METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER
						
	96-059-C7	  	12/857056	  		  		  	US	  	METHOD AND DEVICE FOR GENERATING A SINGLE-USE FINANCIAL ACCOUNT NUMBER
						
	96-060	  	08/811703	  	6338049	  	08-Jan-
 2002
	  	US	  	USER-GENERATED TRAVELER’S CHECKS
						
	96-060-C1	  	10/006575	  	7496537	  	24-Feb-
 2009
	  	US	  	USER-GENERATED TRAVELER’S CHECKS
						
	96-067	  	08/821436	  	6209028	  	27-Mar-
2001	  	US	  	SYSTEM AND METHOD FOR SUPPLYING SUPPLEMENTAL AUDIO INFORMATION FOR BROADCAST TELEVISION PROGRAMS
						
	96-067	  	98910429.4	  	0974223	  	28-Jan-
 2009
	  	EP	  	SYSTEM AND METHOD FOR SUPPLYING SUPPLEMENTAL AUDIO INFORMATION FOR BROADCAST TELEVISION PROGRAMS
						
	96-067	  	98910429.4	  	0974223	  	28-Jan-
 2009
	  	GB	  	SYSTEM AND METHOD FOR SUPPLYING SUPPLEMENTAL AUDIO INFORMATION FOR BROADCAST TELEVISION PROGRAMS
						
	96-067	  	98910429.4	  	0974223	  	28-Jan-
 2009
	  	FR	  	SYSTEM AND METHOD FOR SUPPLYING SUPPLEMENTAL AUDIO INFORMATION FOR BROADCAST TELEVISION PROGRAMS

  
 25 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	96-067	  	98910429.4	  	0974223	  	28-Jan-
 2009
	  	DE	  	SYSTEM AND METHOD FOR SUPPLYING SUPPLEMENTAL AUDIO INFORMATION FOR BROADCAST TELEVISION PROGRAMS
						
	96-067-C1	  	09/660579	  	7454776	  	18-Nov-
 2008
	  	US	  	SYSTEM AND METHOD FOR SUPPLYING SUPPLEMENTAL AUDIO INFORMATION FOR BROADCAST TELEVISION PROGRAMS
						
	96-067-C2	  	12/272190	  		  		  	US	  	SYSTEM AND METHOD FOR SUPPLYING SUPPLEMENTAL AUDIO INFORMATION FOR BROADCAST TELEVISION PROGRAMS
						
	96-069	  	08/762128	  	5798508	  	25-Aug-
 1998
	  	US	  	POSTPAID TRAVELER’S CHECKS
						
	96-082	  	08/831968	  	6131086	  	10-Oct-
 2000
	  	US	  	METHOD AND SYSTEM FOR ALLOWING VIEWERS TO PURCHASE PROGRAM PRODUCTS
						
	96-094	  	08/777802	  	6246755	  	12-Jun-
 2001
	  	US	  	METHOD AND SYSTEM FOR CONNECTING A CALLER TO A CONTENT PROVIDER
						
	96-094	  	2276528	  	2276528	  	26-Feb-
 2002
	  	CA	  	METHOD AND SYSTEM FOR CONNECTING A CALLER TO A CONTENT PROVIDER
						
	96-095	  	09/224483	  	6597776	  	22-Jul-
 2003
	  	US	  	METHOD AND SYSTEM FOR ALLOWING EXTENDED CONNECTIONS TO CONTENT PROVIDERS VIA PREPAID CONTENT PROVIDER ACCOUNTS
						
	96-108	  	08/815224	  	5970478	  	19-Oct-
 1999
	  	US	  	METHOD, APPARATUS, AND PROGRAM FOR CUSTOMIZING CREDIT ACCOUNTS
						
	96-108-C1	  	09/365644	  	6374230	  	16-Apr-
 2002
	  	US	  	METHOD, APPARATUS, AND PROGRAM FOR CUSTOMIZING CREDIT ACCOUNTS
						
	96-108-C2	  	09/654933	  		  		  	US	  	METHOD, APPARATUS, AND PROGRAM FOR CUSTOMIZING CREDIT ACCOUNTS
						
	96-119	  	08/704314	  	5884270	  	16-Mar-
 1999
	  	US	  	METHOD AND SYSTEM FOR FACILITATING AN EMPLOYMENT SEARCH INCORPORATING USER-CONTROLLED ANONYMOUS COMMUNICATIONS
						
	96-131	  	08/886006	  	6263505	  	17-Jul-
 2001
	  	US	  	SYSTEM AND METHOD FOR SUPPLYING SUPPLEMENTAL INFORMATION FOR VIDEO PROGRAMS

  
 26 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	96-133	  	08/885570	  	6112185	  	29-Aug-
 2000
	  	US	  	AUTOMATED SERVICE UPGRADE OFFER ACCEPTANCE SYSTEM
						
	96-139-2	  	09/263617	  	6330544	  	11-Dec-
 2001
	  	US	  	SYSTEM AND PROCESS FOR ISSUING AND MANAGING FORCED REDEMPTION VOUCHERS HAVING ALIAS ACCOUNT NUMBERS
						
	96-140	  	08/997680	  	6193155	  	27-Feb-
 2001
	  	US	  	METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES
						
	96-140-C1	  	09/613361	  	7747522	  	29-Jun-
 2010
	  	US	  	METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES
						
	96-140-C2	  	11/423158	  		  		  	US	  	METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES
						
	96-146	  	08/826930	  	6014439	  	11-Jan-
 2000
	  	US	  	METHOD AND APPARATUS FOR ENTERTAINING CALLERS IN QUEUE
						
	96-146-C1	  	09/434477	  	6178240	  	23-Jan-
 2001
	  	US	  	METHOD AND APPARATUS FOR ENTERTAINING CALLERS IN QUEUE
						
	96-146-C2	  	09/657338	  	6301354	  	09-Oct-
 2001
	  	US	  	METHOD AND APPARATUS FOR ENTERTAINING CALLERS IN QUEUE
						
	96-147	  	08/796132	  	5946388	  	31-Aug-
 1999
	  	US	  	METHOD AND APPARATUS FOR PRIORITY QUEUING OF TELEPHONE CALLS
						
	96-149	  	08/932984	  	6208978	  	27-Mar-
 2001
	  	US	  	SYSTEM AND METHOD FOR ISSUING SECURITY DEPOSIT GUARANTEES BASED ON CREDIT CARD ACCOUNTS
						
	96-174	  	08/886256	  	6119093	  	12-Sep-
 2000
	  	US	  	SYSTEM FOR SYNDICATION OF INSURANCE
						
	96-174-C1	  	09/469130	  	6937990	  	30-Aug-
 2005
	  	US	  	SYSTEM FOR SYNDICATION OF INSURANCE
						
	96-176	  	08/832724	  	5978467	  	02-Nov-
1999	  	US	  	METHOD AND APPARATUS FOR ENABLING INTERACTION BETWEEN CALLERS WITH CALLS POSITIONED IN A QUEUE
						
	96-176-C1	  	09/401471	  	6125178	  	26-Sep-
 2000
	  	US	  	METHOD AND APPARATUS FOR ENABLING INTERACTION BETWEEN CALLERS WITH CALLS POSITIONED IN A QUEUE
						
	96-176-C2	  	09/616016	  	6314178	  	06-Nov-
 2001
	  	US	  	METHOD AND APPARATUS FOR ENABLING INTERACTION BETWEEN CALLERS WITH CALLS POSITIONED IN A QUEUE

  
 27 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	96-176-C3	  	10/160552	  	6735300	  	11-May-
 2004
	  	US	  	METHOD AND APPARATUS FOR ENABLING INTERACTION BETWEEN CALLERS WITH CALLS POSITIONED IN A QUEUE
						
	96-187	  	08/914165	  	6529602	  	04-Mar-
 2003
	  	US	  	METHOD AND APPARATUS FOR THE SECURE STORAGE OF AUDIO SIGNALS
						
	96-187-C1	  	10/359519	  	6988205	  	17-Jan-
 2006
	  	US	  	METHOD AND APPARATUS FOR THE SECURE STORAGE OF AUDIO SIGNALS
						
	96-187-C2	  	11/183359	  	7519836	  	14-Apr-
 2009
	  	US	  	METHOD AND APPARATUS FOR THE SECURE STORAGE OF AUDIO SIGNALS
						
	96-187-C3	  	12/421769	  		  		  	US	  	METHOD AND APPARATUS FOR THE SECURE STORAGE OF AUDIO SIGNALS
						
	96-190	  	08/807454	  	6006205	  	21-Dec-
1999	  	US	  	IMPROVED CREDIT CARD BILLING METHOD AND SYSTEM
						
	96-190-C1	  	09/429945	  	6360209	  	19-Mar-
 2002
	  	US	  	CREDIT CARD BILLING METHOD AND SYSTEM
						
	96-200	  	08/880404	  	6144948	  	07-Nov-
 2000
	  	US	  	INSTANT CREDIT CARD MARKETING SYSTEM
						
	96-200-C1-1	  	11/927946	  		  		  	US	  	INSTANT CREDIT CARD MARKETING SYSTEM
						
	96-206	  	08/820499	  	6216111	  	10-Apr-
 2001
	  	US	  	SYSTEM AND METHOD FOR TELEMARKETING PRESENTATIONS
						
	96-207	  	08/883308	  	5945653	  	31-Aug-
1999	  	US	  	SYSTEM AND METHOD FOR ESTABLISHING AND EXECUTING FUNCTIONS TO AFFECT CREDIT CARD ACCOUNTS AND TRANSACTIONS
						
	97-006	  	08/822709	  	6267670	  	31-Jul-
 2001
	  	US	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS
						
	97-006	  	2284662	  	2284662	  	20-Jan-
 2004
	  	CA	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS
						
	97-006	  	98913082.8	  		  		  	EP	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS
						
	97-006	  	00107069.1	  		  		  	HK	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS

  
 28 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	97-006	  	776323	  	776323	  	16-Dec-
 2004
	  	AU	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS
						
	97-006-C1	  	09/836409	  	6582304	  	24-Jun-
 2003
	  	US	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS
						
	97-006-C2	  	10/424362	  	6887153	  	03-May-
2005	  	US	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS
						
	97-006-C3	  	11/058653	  	7479060	  	20-Jan-
 2009
	  	US	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS
						
	97-006-C4	  	11/425211	  	7547251	  	16-Jun-
 2009
	  	US	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS
						
	97-006-C5	  	11/425228	  	7494417	  	24-Feb-
 2009
	  	US	  	SYSTEM AND METHOD FOR PERFORMING LOTTERY TICKET TRANSACTIONS UTILIZING POINT-OF-SALE TERMINALS
						
	97-007	  	08/994426	  	6694300	  	17-Feb-
 2004
	  	US	  	METHOD AND APPARATUS FOR PROVIDING SUPPLEMENTARY PRODUCT SALES TO A CUSTOMER AT A CUSTOMER TERMINAL
						
	97-007-C1	  	10/699462	  		  		  	US	  	METHOD AND APPARATUS FOR PROVIDING SUPPLEMENTARY PRODUCT SALES TO A CUSTOMER AT A CUSTOMER TERMINAL
						
	97-010	  	08/862250	  	6377963	  	23-Apr-
 2002
	  	US	  	METHOD AND SYSTEM FOR ATTACHING CUSTOMIZED INDEXES TO PERIODICALS
						
	97-018	  	08/843153	  	6088444	  	11-Jul-
 2000
	  	US	  	METHOD AND APPARATUS FOR VALUE-BASED QUEUING OF TELEPHONE CALLS
						
	97-018-C1	  	09/360392	  	6222920	  	24-Apr-
 2001
	  	US	  	METHOD AND APPARATUS FOR VALUE-BASED QUEUING OF TELEPHONE CALLS
						
	97-018-C2	  	09/633625	  	6487291	  	26-Nov-
 2002
	  	US	  	METHOD AND APPARATUS FOR VALUE-BASED QUEUING OF TELEPHONE CALLS
						
	97-022	  	08/921868	  	6018718	  	25-Jan-
 2000
	  	US	  	METHOD AND SYSTEM FOR PROCESSING CUSTOMIZED REWARD OFFERS

  
 29 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	97-022-C1	  	09/422415	  	6434534	  	13-Aug-
 2002
	  	US	  	METHOD AND SYSTEM FOR PROCESSING CUSTOMIZED REWARD OFFERS
						
	97-025	  	08/948144	  	6128599	  	03-Oct-
 2000
	  	US	  	METHOD AND APPARATUS FOR PROCESSING CUSTOMIZED GROUP REWARD OFFERS
						
	97-032	  	08/889503	  	6249772	  	19-Jun-
 2001
	  	US	  	SYSTEMS AND METHODS WHEREIN A BUYER PURCHASES A PRODUCT AT A FIRST PRICE AND ACQUIRES THE PRODUCT FROM A MERCHANT THAT OFFERS THE PRODUCT FOR SALE AT A SECOND PRICE
						
	97-032-C1	  	09/591594	  	7107228	  	12-Sep-
 2006
	  	US	  	SYSTEMS AND METHODS WHEREIN A BUYER PURCHASES A PRODUCT AT A FIRST PRICE AND PHYSICALLY ACQUIRES THE PRODUCT AT A LOCATION ASSOCIATED WITH A MERCHANT THAT OFFERS THE PRODUCT FOR SALE AT A SECOND PRICE
						
	97-032-C2	  	11/410342	  		  		  	US	  	SYSTEM AND PROCESS FOR LOCAL ACQUISITION OF PRODUCTS PRICED ONLINE
						
	97-032-C3	  	11/424289	  		  		  	US	  	SYSTEM AND PROCESS FOR LOCAL ACQUISITION OF PRODUCTS PRICED ONLINE
						
	97-032-C5	  	11/424294	  		  		  	US	  	SYSTEM AND PROCESS FOR LOCAL ACQUISITION OF PRODUCTS PRICED ONLINE
						
	97-033	  	08/889589	  	5970470	  	19-Oct-
 1999
	  	US	  	SYSTEM AND METHOD FOR ESTABLISHING AND MANAGING SUBSCRIPTION PURCHASE AGREEMENTS INCLUDING COMMITMENTS TO PURCHASE GOODS OVER TIME AT AGREED UPON PRICES
						
	97-033	  	753036	  	753036	  	23-Jan-
 2003
	  	AU	  	SYSTEM AND METHOD FOR ESTABLISHING AND MANAGING SUBSCRIPTION PURCHASE AGREEMENTS INCLUDING COMMITMENTS TO PURCHASE GOODS OVER TIME AT AGREED UPON PRICES
						
	97-034	  	08/943965	  	6119100	  	12-Sep-
 2000
	  	US	  	METHOD AND APPARATUS FOR MANAGING THE SALE OF AGING PRODUCTS

  
 30 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	97-034-C1	  	09/563715	  	6507822	  	14-Jan-
 2003
	  	US	  	METHOD AND APPARATUS FOR MANAGING THE SALE OF AGING PRODUCTS
						
	97-035	  	09/052295	  	6086477	  	11-Jul-
 2000
	  	US	  	METHODS AND APPARATUS WHEREIN A LOTTERY ENTRY IS ENTERED INTO LOTTERY DRAWINGS UNTIL THE LOTTERY ENTRY IS IDENTIFIED AS A WINNER
						
	97-035-C1	  	09/568484	  	6599186	  	29-Jul-
 2003
	  	US	  	METHODS AND APPARATUS WHEREIN A LOTTERY ENTRY IS INCLUDED IN A SECOND LOTTERY DRAWING BASED ON A RESULT OF THE LOTTERY ENTRY IN A FIRST LOTTERY DRAWING
						
	97-035-C2	  	10/623046	  	6908382	  	21-Jun-
 2005
	  	US	  	METHOD AND APPARATUS FOR OPERATING LOTTERIES AND FOR GENERATING AND PROCESSING LOTTERY ENTRIES
						
	97-035-C3	  	11/136043	  	7300349	  	27-Nov-
 2007
	  	US	  	METHOD AND APPARATUS FOR OPERATING LOTTERIES AND FOR GENERATING AND PROCESSING LOTTERY ENTRIES
						
	97-035-C4	  	11/424906	  	7387569	  	17-Jun-
 2008
	  	US	  	METHOD AND APPARATUS FOR OPERATING LOTTERIES AND FOR GENERATING AND PROCESSING LOTTERY ENTRIES
						
	97-035-C5	  	11/424911	  	7384332	  	10-Jun-
 2008
	  	US	  	METHOD AND APPARATUS FOR OPERATING LOTTERIES AND FOR GENERATING AND PROCESSING LOTTERY ENTRIES
						
	97-035-C6	  	11/424912	  	7384333	  	10-Jun-
 2008
	  	US	  	METHOD AND APPARATUS FOR OPERATING LOTTERIES AND FOR GENERATING AND PROCESSING LOTTERY ENTRIES
						
	97-035-C7	  	12/135758	  	7780514	  	24-Aug-
 2010
	  	US	  	METHOD AND APPARATUS FOR OPERATING LOTTERIES AND FOR GENERATING AND PROCESSING LOTTERY ENTRIES
						
	97-036	  	08/912185	  	6146272	  	14-Nov-
2000	  	US	  	CONDITIONAL LOTTERY SYSTEM
						
	97-036-C1	  	09/627192	  	6325716	  	04-Dec-
2001	  	US	  	CONDITIONAL LOTTERY SYSTEM
						
	97-036-C2	  	10/162823	  	6733387	  	11-May-
 2004
	  	US	  	CONDITIONAL LOTTERY SYSTEM
						
	97-051	  	08/940265	  	6381582	  	30-Apr-
 2002
	  	US	  	METHOD AND SYSTEM FOR PROCESSING PAYMENTS FOR REMOTELY PURCHASED GOODS

  
 31 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	97-052	  	08/916656	  	6107932	  	22-Aug-
 2000
	  	US	  	SYSTEM AND METHOD FOR CONTROLLING ACCESS TO A VENUE USING ALTERABLE TICKETS
						
	97-054	  	08/920116	  	6119099	  	12-Sep-
 2000
	  	US	  	METHOD AND SYSTEM FOR PROCESSING SUPPLEMENTARY PRODUCT SALES AT A POINT-OF-SALE TERMINAL
						
	97-054-C1	  	09/442754	  	6598024	  	22-Jul-
 2003
	  	US	  	METHOD AND SYSTEM FOR PROCESSING SUPPLEMENTARY PRODUCT SALES AT A POINT-OF-SALE TERMINAL
						
	97-054-C2	  	10/625089	  	7587334	  	08-Sep-
 2009
	  	US	  	METHOD AND SYSTEM FOR PROCESSING SUPPLEMENTARY PRODUCT SALES AT A POINT-OF-SALE TERMINAL
						
	97-054-C3	  	12/420397	  	7801762	  	21-Sep-
 2010
	  	US	  	METHOD AND SYSTEM FOR PROCESSING SUPPLEMENTARY PRODUCT SALES AT A POINT-OF-SALE TERMINAL
						
	97-059	  	08/946508	  	6064987	  	16-May-
 2000
	  	US	  	METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL
						
	97-059-1	  	09/264379	  	6336104	  	01-Jan-
 2002
	  	US	  	METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL
						
	97-059-1-C1	  	09/654341	  	6980968	  	27-Dec-
 2005
	  	US	  	METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL
						
	97-059-C1	  	09/490898	  	6330548	  	11-Dec-
 2001
	  	US	  	METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL
						
	97-059-C2	  	10/033691	  	7454381	  	18-Nov-
 2008
	  	US	  	METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL
						
	97-059-C5	  	11/425301	  		  		  	US	  	METHOD AND APPARATUS FOR PROVIDING AND PROCESSING INSTALLMENT PLANS AT A TERMINAL
						
	97-073	  	08/982149	  	6196458	  	06-Mar-
 2001
	  	US	  	METHOD AND APPARATUS FOR PRINTING A BILLING STATEMENT TO PROVIDE SUPPLEMENTARY PRODUCT SALES

  
 32 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	97-073-C1	  	09/711996	  	6672507	  	06-Jan-
 2004
	  	US	  	METHOD AND APPARATUS FOR PRINTING A BILLING STATEMENT TO PROVIDE SUPPLEMENTARY PRODUCT SALES
						
	97-080	  	08/961964	  	6049778	  	11-Apr-
 2000
	  	US	  	METHOD AND APPARATUS FOR ADMINISTERING A REWARD PROGRAM
						
	97-080-C2	  	11/946435	  		  		  	US	  	METHOD AND APPARATUS FOR ADMINISTERING A REWARD PROGRAM
						
	97-134	  	09/036131	  	5999596	  	07-Dec-
 1999
	  	US	  	METHOD AND SYSTEM FOR CONTROLLING AUTHORIZATION OF CREDIT CARD TRANSACTIONS
						
	97-134-C1	  	09/417182	  	6327348	  	04-Dec-
 2001
	  	US	  	METHOD AND SYSTEM FOR CONTROLLING AUTHORIZATION OF CREDIT CARD TRANSACTIONS
						
	97-324	  	08/997677	  	6199014	  	06-Mar-
 2001
	  	US	  	SYSTEM FOR PROVIDING DRIVING DIRECTIONS WITH VISUAL CUES
						
	97-429	  	09/001901	  	6250685	  	26-Jun-
 2001
	  	US	  	TICKET FOR INSTANT LOTTERY GAME AND METHOD OF PLAYING SAME
						
	97-429-1	  	09/434270	  	6224055	  	01-May-
2001	  	US	  	TICKET FOR INSTANT LOTTERY GAME AND METHOD OF PLAYING SAME
						
	97-429-1-C1	  	09/664957	  	6572107	  	03-Jun-
 2003
	  	US	  	TICKET FOR INSTANT LOTTERY GAME AND METHOD OF PLAYING SAME
						
	97-445	  	08/994124	  	6138106	  	24-Oct-
 2000
	  	US	  	DYNAMICALLY CHANGING SYSTEM FOR FULFILLING CONCEALED VALUE GIFT CERTIFICATE OBLIGATIONS
						
	97-557	  	09/045386	  	7272569	  	18-Sep-
 2007
	  	US	  	METHOD AND APPARATUS FOR CONTROLLING THE PERFORMANCE OF A SUPPLEMENTARY PROCESS AT A POINT OF SALE TERMINAL
						
	97-557-1-1	  	11/934958	  	7717784	  	18-May-
2010	  	US	  	METHOD AND APPARATUS FOR CONTROLLING THE PERFORMANCE OF A SUPPLEMENTARY PROCESS AT A POINT OF SALE TERMINAL
						
	97-558	  	09/045036	  	7606729	  	20-Oct-
 2009
	  	US	  	METHOD AND APPARATUS FOR FACILITATING THE PLAY OF FRACTIONAL LOTTERY TICKETS UTILIZING POINT-OF-SALE TERMINALS

  
 33 

											
	 Docket No.
	  	 Application No.
	  	 Patent

No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	97-561	  	09/045518	  	7072850	  	04-Jul-
 2006
	  	US	  	METHOD AND APPARATUS FOR PROCESSING A SUPPLEMENTARY PRODUCT SALE AT A POINT-OF- SALE TERMINAL
						
	97-563	  	09/076409	  	6298329	  	02-Oct-
2001	  	US	  	METHOD AND APPARATUS FOR GENERATING A COUPON
						
	97-563-C1	  	09/643668	  	6876978	  	05-Apr-
 2005
	  	US	  	METHOD AND APPARATUS FOR GENERATING A COUPON
						
	97-563-R1	  	10/678058	  	RE40186	  	25-Mar-
 2008
	  	US	  	METHOD AND APPARATUS FOR GENERATING A COUPON
						
	97-564	  	09/045084	  	6223163	  	24-Apr-
2001	  	US	  	METHOD AND APPARATUS FOR CONTROLLING OFFERS THAT ARE PROVIDED AT A POINT-OF-SALE TERMINAL
						
	98-007	  	09/049297	  	7240021	  	03-Jul-
 2007
	  	US	  	SYSTEM AND METHOD FOR TRACKING AND ESTABLISHING A PROGRESSIVE DISCOUNT BASED UPON A CUSTOMER’S VISITS TO A RETAIL ESTABLISHMENT
						
	98-007-C1	  	11/668967	  	7406438	  	29-Jul-
 2008
	  	US	  	SYSTEM AND METHOD FOR TRACKING AND ESTABLISHING A PROGRESSIVE DISCOUNT BASED UPON A CUSTOMER’S VISITS TO A RETAIL ESTABLISHMENT
						
	98-007-C2	  	12/173977	  		  		  	US	  	SYSTEM AND METHOD FOR TRACKING AND ESTABLISHING A PROGRESSIVE DISCOUNT BASED UPON A CUSTOMER’S VISITS TO A RETAIL ESTABLISHMENT
						
	98-017	  	09/098481	  	7536349	  	19-May-
 2009
	  	US	  	METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT
						
	98-017-C1	  	12/468637	  		  		  	US	  	METHOD AND APPARATUS FOR PROCESSING A CHARGE APPLIED TO A FINANCIAL ACCOUNT
						
	98-018	  	09/085424	  	6138105	  	24-Oct-
 2000
	  	US	  	SYSTEM AND METHOD FOR DYNAMIC ASSEMBLY OF PACKAGES IN RETAIL ENVIRONMENTS
						
	98-018-C1	  	09/571210	  	6601036	  	29-Jul-
 2003
	  	US	  	SYSTEM AND METHOD FOR DYNAMIC ASSEMBLY OF PACKAGES IN RETAIL ENVIRONMENTS
						
	98-019	  	09/100684	  	6898570	  	24-May-
 2005
	  	US	  	BILLING STATEMENT CUSTOMER ACQUISITION SYSTEM
						
	98-019-C3	  	11/423261	  	7467745	  	23-Dec-
 2008
	  	US	  	BILLING STATEMENT CUSTOMER ACQUISITION SYSTEM
						
	98-019-C4	  	11/423299	  		  		  	US	  	BILLING STATEMENT CUSTOMER ACQUISITION SYSTEM

  
 34 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	98-020	  	09/083483	  	6298331	  	02-Oct-
 2001
	  	US	  	METHOD AND APPARATUS FOR SELLING AN AGING FOOD PRODUCT
						
	98-023	  	09/223164	  	6325284	  	04-Dec-
 2001
	  	US	  	DEVICE AND METHOD FOR PROMOTING THE SELECTION AND USE OF A CREDIT CARD
						
	98-025	  	09/110626	  	6093026	  	25-Jul-
 2000
	  	US	  	METHOD AND APPARATUS FOR ADMINISTERING A SURVEY
						
	98-025-C1	  	09/396155	  	6616458	  	09-Sep-
 2003
	  	US	  	METHOD AND APPARATUS FOR ADMINISTERING A SURVEY
						
	98-030	  	09/106888	  	6282523	  	28-Aug-
 2001
	  	US	  	METHOD AND APPARATUS FOR PROCESSING CHECKS TO RESERVE FUNDS
						
	98-039	  	09/135179	  	6567787	  	20-May-
 2003
	  	US	  	METHOD AND APPARATUS FOR DETERMINING WHETHER A VERBAL MESSAGE WAS SPOKEN DURING A TRANSACTION AT A POINT-OF-SALE TERMINAL
						
	98-039-C1	  	10/401409	  	6871185	  	22-Mar-
 2005
	  	US	  	METHOD AND APPARATUS FOR DETERMINING WHETHER A VERBAL MESSAGE WAS SPOKEN DURING A TRANSACTION AT A POINT-OF-SALE TERMINAL
						
	98-043	  	09/166267	  	6687679	  	03-Feb-
 2004
	  	US	  	METHOD AND APPARATUS FOR DETERMINING A PROGRESSIVE DISCOUNT FOR A CUSTOMER BASED ON THE FREQUENCY OF THE CUSTOMER’S TRANSACTIONS
						
	98-043-C1	  	10/728226	  	7194423	  	20-Mar-
 2007
	  	US	  	METHOD AND APPARATUS FOR DETERMINING A PROGRESSIVE DISCOUNT FOR A CUSTOMER BASED ON THE FREQUENCY OF THE CUSTOMER’S TRANSACTIONS
						
	98-046	  	09/223900	  	6327573	  	04-Dec-
 2001
	  	US	  	MULTIPLE PARTY REWARD SYSTEM UTILIZING SINGLE ACCOUNT
						
	98-048	  	09/166405	  	6405174	  	11-Jun-
 2002
	  	US	  	METHOD AND APPARATUS FOR DEFINING ROUTING OF CUSTOMERS BETWEEN MERCHANTS
						
	98-048-C1	  	10/118620	  	7099832	  	29-Aug-
 2006
	  	US	  	METHOD AND APPARATUS FOR DEFINING ROUTING OF CUSTOMERS BETWEEN MERCHANTS
						
	98-048-C2	  	11/399143	  	7496523	  	24-Feb-
 2009
	  	US	  	METHOD AND APPARATUS FOR DEFINING ROUTING OF CUSTOMERS BETWEEN MERCHANTS

  
 35 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	98-048-C3	  	12/111637	  		  		  	US	  	METHOD AND APPARATUS FOR DEFINING ROUTING OF CUSTOMERS BETWEEN MERCHANTS
						
	98-054	  	09/219220	  	6341268	  	22-Jan-
 2002
	  	US	  	SYSTEM AND METHOD FOR PROVIDING A RESTAURANT MENU DYNAMICALLY GENERATED BASED ON REVENUE MANAGEMENT INFORMATION
						
	98-057	  	09/221250	  	6720990	  	13-Apr-
 2004
	  	US	  	INTERNET SURVEILLANCE SYSTEM AND METHOD
						
	98-057-C1	  	10/718327	  	7092006	  	15-Aug-
 2006
	  	US	  	INTERNET SURVEILLANCE SYSTEM AND METHOD
						
	98-057-C2	  	11/424702	  	7602414	  	13-Oct-
 2009
	  	US	  	INTERNET SURVEILLANCE SYSTEM AND METHOD
						
	98-057-C3	  	11/424708	  	7817182	  	19-Oct-
 2010
	  	US	  	INTERNET SURVEILLANCE SYSTEM AND METHOD
						
	98-057-C4	  	11/424718	  	7602416	  	13-Oct-
 2009
	  	US	  	INTERNET SURVEILLANCE SYSTEM AND METHOD
						
	98-057-C5	  	11/424724	  	7719565	  	18-May-
2010	  	US	  	INTERNET SURVEILLANCE SYSTEM AND METHOD
						
	98-057-C6	  	11/424731	  	7605840	  	20-Oct-
 2009
	  	US	  	INTERNET SURVEILLANCE SYSTEM AND METHOD
						
	98-057-C7	  	11/424738	  	7593033	  	22-Sep-
 2009
	  	US	  	INTERNET SURVEILLANCE SYSTEM AND METHOD
						
	98-058	  	09/223899	  	6349295	  	19-Feb-
2002	  	US	  	METHOD AND APPARATUS FOR PERFORMING SUPPLEMENTAL SEARCHES OVER A NETWORK
						
	98-059	  	09/166339	  	6374240	  	16-Apr-
 2002
	  	US	  	METHOD AND APPARATUS FOR MAINTAINING A CUSTOMER DATABASE USING LICENSE PLATE SCANNING
						
	98-059-C1	  	10/124697	  	6847965	  	25-Jan-
 2005
	  	US	  	METHOD AND APPARATUS FOR MAINTAINING A CUSTOMER DATABASE USING LICENSE PLATE SCANNING
						
	98-060	  	09/157837	  	6052667	  	18-Apr-
 2000
	  	US	  	METHOD AND APPARATUS FOR SELLING AN AGING FOOD PRODUCT AS A SUBSTITUTE FOR AN ORDERED PRODUCT
						
	98-076	  	09/596008	  	6676126	  	13-Jan-
 2004
	  	US	  	LOTTERY GAME CARD AND METHOD FOR CONDUCTING A LOTTERY GAME
						
	98-076-C2	  	12/612460	  		  		  	US	  	LOTTERY GAME CARD AND METHOD FOR CONDUCTING A LOTTERY GAME
						
	98-078	  	09/224486	  	6445309	  	03-Sep-
 2002
	  	US	  	METHOD AND APPARATUS FOR DISTRIBUTING PRODUCTS TO VEHICLE OCCUPANTS

  
 36 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue
Date
	  	 Country
	  	 Title

						
	98-084-C2	  	11/456245	  		  		  	US	  	SYSTEM AND METHOD FOR ENCOURAGING COMPETITIVE PARTICIPATION IN AN AUCTION
						
	98-091	  	09/285472	  	6415264	  	02-Jul-
 2002
	  	US	  	SYSTEM AND METHOD FOR DETERMINING A POSTING PAYMENT AMOUNT
						
	98-092	  	09/267489	  	6978248	  	20-Dec-
 2005
	  	US	  	SYSTEM AND METHOD FOR MAILING LIST TESTING SERVICE
						
	98-093	  	09/282132	  	6302844	  	16-Oct-
 2001
	  	US	  	PATIENT CARE DELIVERY SYSTEM
						
	98-099	  	09/283389	  	6988077	  	17-Jan-
 2006
	  	US	  	SYSTEM AND METHOD FOR OFFERING MULTIPLE PRODUCTS
						
	98-109	  	09/219267	  	7831470	  	09-Nov-
2010	  	US	  	METHOD AND APPARATUS FOR FACILITATING ELECTRONIC COMMERCE THROUGH PROVIDING CROSS-BENEFITS DURING A TRANSACTION
						
	98-109-C1	  	11/423481	  	7827056	  	02-Nov-
 2010
	  	US	  	METHOD AND APPARATUS FOR FACILITATING ELECTRONIC COMMERCE THROUGH PROVIDING CROSS-BENEFITS DURING A TRANSACTION
						
	98-109-C4	  	12/938025	  		  		  	US	  	METHOD AND APPARATUS FOR FACILITATING ELECTRONIC COMMERCE THROUGH PROVIDING CROSS-BENEFITS DURING A TRANSACTION
						
	98-110	  	09/221457	  	6415262	  	02-Jul-
 2002
	  	US	  	METHOD AND APPARATUS FOR DETERMINING A SUBSCRIPTION TO A PRODUCT IN A RETAIL ENVIRONMENT
						
	98-112	  	09/221099	  	7236942	  	26-Jun-
 2007
	  	US	  	PRE-SALE DATA BROADCAST SYSTEM AND METHOD
						
	98-112-C1	  	11/549435	  	7856379	  	21-Dec-
 2010
	  	US	  	PRE-SALE DATA BROADCAST SYSTEM AND METHOD
						
	98-112-C2	  	12/974742	  		  		  	US	  	PRE-SALE DATA BROADCAST SYSTEM AND METHOD
						
	98-113	  	09/350875	  	7343319	  	11-Mar-
 2008
	  	US	  	MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS
						
	98-113-4-C1	  	12/592220	  		  		  	US	  	MULTI-TIER PRICING OF INDIVIDUAL PRODUCTS BASED ON VOLUME DISCOUNTS
						
	98-116	  	09/260437	  	7162434	  	09-Jan-
 2007
	  	US	  	METHOD AND APPARATUS FOR FACILITATING THE SALE OF SUBSCRIPTIONS TO PERIODICALS
						
	98-116-C1	  	11/611931	  		  		  	US	  	METHOD AND APPARATUS FOR FACILITATING THE SALE OF SUBSCRIPTIONS TO PERIODICALS

  
 37 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue

Date
	  	 Country
	  	 Title

						
	98-117	  	09/260439	  	6658390	  	02-Dec-
2003	  	US	  	SYSTEM AND METHOD FOR RESELLING A PREVIOUSLY SOLD PRODUCT
						
	98-117-C1	  	10/463708	  	7246072	  	17-Jul-
 2007
	  	US	  	SYSTEM AND METHOD FOR RESELLING A PREVIOUSLY SOLD PRODUCT
						
	98-117-C2	  	11/456444	  		  		  	US	  	SYSTEM AND METHOD FOR RESELLING A PREVIOUSLY SOLD PRODUCT
						
	98-120	  	09/348566	  	7039603	  	02-May-
2006	  	US	  	SETTLEMENT SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK
						
	99-004	  	09/360422	  		  		  	US	  	DETERMINATION AND PRESENTATION OF PACKAGE PRICING OFFERS IN RESPONSE TO CUSTOMER INTEREST IN A PRODUCT
						
	99-006	  	09/274281	  	7818284	  	19-Oct-
 2010
	  	US	  	METHOD AND APPARATUS FOR PROVIDING CROSS-BENEFITS VIA A CENTRAL AUTHORITY
						
	99-007	  	09/282747	  	7827057	  	02-Nov-
2010	  	US	  	METHOD AND APPARATUS FOR PROVIDING CROSS-BENEFITS BASED ON A CUSTOMER ACTIVITY
						
	99-007-C1	  	12/938046	  		  		  	US	  	METHOD AND APPARATUS FOR PROVIDING CROSS-BENEFITS BASED ON A CUSTOMER ACTIVITY
						
	99-012	  	09/316546	  	7729988	  	01-Jun-
 2010
	  	US	  	METHOD AND APPARATUS FOR PROCESSING CREDIT CARD TRANSACTIONS
						
	99-012-C1	  	12/791567	  		  		  	US	  	METHOD AND APPARATUS FOR PROCESSING CREDIT CARD TRANSACTIONS
						
	99-013	  	09/337906	  	6754636	  	22-Jun-
 2004
	  	US	  	PURCHASING SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK

  
 38 

											
	 Docket No.
	  	 Application No.
	  	 Patent
No.
	  	 Issue

Date
	  	 Country
	  	 Title

						
	99-015	  	09/412930	  	6970837	  	29-Nov-
 2005
	  	US	  	METHODS AND APPARATUS WHEREIN A BUYER ARRANGES TO PURCHASE A FIRST PRODUCT USING A COMMUNICATION NETWORK AND SUBSEQUENTLY TAKES POSSESSION OF A SUBSTITUTE PRODUCT AT A RETAILER
						
	99-018	  	09/282128	  	6513014	  	28-Jan-
 2003
	  	US	  	METHOD AND APPARATUS FOR ADMINISTERING A SURVEY VIA A TELEVISION TRANSMISSION NETWORK
						
	99-025	  	09/505361	  	7006983	  	28-Feb-
 2006
	  	US	  	METHOD AND SYSTEM FOR PROCESSING A REBATE
						
	99-029-C2	  	12/111716	  		  		  	US	  	METHOD AND APPARATUS FOR IDENTIFYING POTENTIAL BUYERS
						
	99-030-C1	  	12/228176	  		  		  	US	  	SYSTEMS AND METHODS TO PROVIDE A PRODUCT TO A CUSTOMER BEFORE A FINAL TRANSACTION TERM VALUE IS ESTABLISHED
						
	99-032-1	  	11/928572	  		  		  	US	  	METHOD AND APPARATUS FOR PROVIDING A COUPON OFFER HAVING A VARIABLE VALUE
						
	99-037-C2	  	11/421669	  		  		  	US	  	METHOD AND SYSTEM FOR PROVIDING A LINK IN AN ELECTRONIC FILE BEING PRESENTED TO A USER
						
	99-037-C4	  	11/421688	  		  		  	US	  	METHOD AND SYSTEM FOR PROVIDING A LINK IN AN ELECTRONIC FILE BEING PRESENTED TO A USER
						
	99-043	  	09/510558	  		  		  	US	  	SYSTEMS AND METHODS USING OPTIONS TO DETERMINE AN OUTCOME OF AN AUCTION
						
	99-045	  	09/528595	  	6497408	  	24-Dec-
 2002
	  	US	  	SYSTEM AND METHOD FOR CONDUCTING AND PLAYING A SUPPLEMENTAL LOTTERY GAME
						
	99-045-C1	  	10/272125	  	7052394	  	30-May-
 2006
	  	US	  	SYSTEM AND METHOD FOR CONDUCTING AND PLAYING A SUPPLEMENTAL LOTTERY GAME
						
	99-045-C2	  	11/373725	  		  		  	US	  	SYSTEM AND METHOD FOR CONDUCTING AND PLAYING A SUPPLEMENTAL LOTTERY GAME
						
	99-045-C3	  	11/424962	  		  		  	US	  	SYSTEM AND METHOD FOR CONDUCTING AND PLAYING A SUPPLEMENTAL LOTTERY GAME

  
 39 

											
	 Docket No.
	  	 Application No.
	  	 Patent

No.
	  	 Issue

Date
	  	 Country
	  	 Title

						
	99-045-C4	  	11/424973	  		  		  	US	  	SYSTEM AND METHOD FOR CONDUCTING AND PLAYING A SUPPLEMENTAL LOTTERY GAME
						
	99-045-C5	  	11/424979	  		  		  	US	  	SYSTEM AND METHOD FOR CONDUCTING AND PLAYING A SUPPLEMENTAL LOTTERY GAME
						
	99-049	  	09/525875	  	6969318	  	29-Nov-
 2005
	  	US	  	SYSTEM AND METHOD FOR APPLYING LOTTERY MULTIPLIERS
						
	99-049-C3	  	11/425416	  	7,740537	  	22-Jun-
 2010
	  	US	  	SYSTEM AND METHOD FOR APPLYING LOTTERY MULTIPLIERS
						
	99-049-C4	  	11/425422	  	7513825	  	07-Apr-
 2009
	  	US	  	SYSTEM AND METHOD FOR APPLYING LOTTERY MULTIPLIERS
						
	99-049-C5	  	11/425426	  	7641548	  	05-Jan-
 2010
	  	US	  	SYSTEM AND METHOD FOR APPLYING LOTTERY MULTIPLIERS
						
	99-049-C6	  	12/820632	  		  		  	US	  	SYSTEM AND METHOD FOR APPLYING LOTTERY MULTIPLIERS
						
	99-062-1	  	11/423821	  		  		  	US	  	METHOD, SYSTEM AND COMPUTER PROGRAM PRODUCT FOR FACILITATING AN AUCTION BEHAVIOR AND AUTOMATIC BIDDING IN AN AUCTION
						
	99-062-2	  	11/423827	  	7801802	  	21-Sep-
 2010
	  	US	  	METHOD, SYSTEM AND COMPUTER PROGRAM PRODUCT FOR FACILITATING AN AUCTION BEHAVIOR AND AUTOMATIC BIDDING IN AN AUCTION
						
	99-063	  	09/540035	  	7711604	  	04-May-
 2010
	  	US	  	RETAIL SYSTEM FOR SELLING PRODUCTS BASED ON A FLEXIBLE PRODUCT DESCRIPTION
						
	99-063-1	  	11/746714	  		  		  	US	  	RETAIL SYSTEM FOR SELLING PRODUCTS BASED ON A FLEXIBLE PRODUCT DESCRIPTION
						
	99-077	  	09/538805	  	7251617	  	31-Jul-
 2007
	  	US	  	METHOD AND APPARATUS FOR MANAGING SUBSCRIPTIONS
						
	99-077-1	  	11/768594	  	7613631	  	03-Nov-
 2009
	  	US	  	METHOD AND APPARATUS FOR MANAGING SUBSCRIPTIONS
						
	99-077-1-C1	  	12/611365	  		  		  	US	  	METHOD AND APPARATUS FOR MANAGING SUBSCRIPTIONS
						
	99-086	  	09/536791	  	7783537	  	24-Aug-
 2010
	  	US	  	METHOD AND APPARATUS FOR CONDITIONAL PAYMENT TO A SELLER
						
	99-091-1	  	11/746696	  		  		  	US	  	SYSTEMS AND METHODS FOR FACILITATING A TRANSACTION BY MATCHING SELLER INFORMATION AND BUYER INFORMATION

  
 40 

											
	 Docket No.
	  	 Application No.
	  	 Patent

No.
	  	 Issue

Date
	  	 Country
	  	 Title

						
	99-099	  	09/609931	  	7383200	  	03-Jun-
 2008
	  	US	  	METHOD AND APPARATUS FOR COLLECTING AND CATEGORIZING DATA AT A TERMINAL
						
	99-112-1	  	11/425038	  		  		  	US	  	METHOD AND APPARATUS FOR CONDUCTING OR FACILITATING A PROMOTION
						
	99-112-C1	  	11/425027	  		  		  	US	  	METHOD AND APPARATUS FOR CONDUCTING OR FACILITATING A PROMOTION
						
	99-112-C2	  	11/425031	  		  		  	US	  	METHOD AND APPARATUS FOR CONDUCTING OR FACILITATING A PROMOTION

  
 41

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