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Extract from the Register of European Patents

EP About this file: EP0504287

EP0504287 - METHOD AND SYSTEM FOR REMOTE DELIVERY OF RETAIL BANKING SERVICES [Right-click to bookmark this link]
Status	Patent revoked Status updated on 13.01.2006 Database last updated on 11.04.2026
Most recent event Tooltip	07.12.2007	Lapse of the patent in a contracting state New state(s): IT	published on 09.01.2008 [2008/02]
Applicant(s)	For all designated states ONLINE RESOURCES & COMMUNICATIONS CORPORATION 1313 Dolly Madison Boulevard, Suite 300 McLean, VA 22101 / US
	[1992/39]
Inventor(s)	01 / LAWLOR, Matthew, P. 302 C Street N.E. Washington, DC 20036 / US
	02 / CARMODY, Timothy, E. 1211 Summit Road McLean, VA 22101 / US
	[1992/39]
Representative(s)	Kenrick, Mark Lloyd Marks & Clerk LLP 1 New York Street Manchester M1 4HD / GB
	[N/P]
Former [2005/18]	Kenrick, Mark Lloyd Marks & Clerk, Sussex House, 83-85 Mosley Street Manchester M2 3LG / GB
Former [1994/01]	Allman, Peter John, et al MARKS & CLERK, Sussex House, 83-85 Mosley Street Manchester M2 3LG / GB
Former [1992/39]	Allman, Peter John MARKS AND CLERK Suite 301 Sunlight House Quay Street Manchester M3 3JY / GB
Application number, filing date	91901390.4	10.12.1990
	[1992/39]
	WO1990US07153
Priority number, date	US19890448170	08.12.1989 Original published format: US 448170
	[1992/39]
Filing language	EN
Procedural language	EN
Publication	Type:	A1 Application with search report
	No.:	WO9109370
	Date:	27.06.1991
	Language:	EN
	[1991/14]
	Type:	A1 Application with search report
	No.:	EP0504287
	Date:	23.09.1992
	Language:	EN
	The application published by WIPO in one of the EPO official languages on 27.06.1991 takes the place of the publication of the European patent application.
	[1992/39]
	Type:	B1 Patent specification
	No.:	EP0504287
	Date:	21.07.1999
	Language:	EN
	[1999/29]
Search report(s)	International search report - published on:	US	27.06.1991
	(Supplementary) European search report - dispatched on:	EP	03.11.1993
Classification	IPC:	G06F17/60, G07F7/10, H04M17/02	[1998/29]
	CPC:	G06Q40/02 (EP,US); G06Q20/04 (EP,US); G06Q20/085 (EP,US); G06Q20/10 (EP,US); G06Q20/102 (EP,US); G06Q20/108 (EP,US); (+) G06Q20/1085 (EP,US); G06Q20/16 (EP,US); G06Q20/18 (EP,US); G07F19/211 (EP,US); H04M17/02 (EP,US) (-)
	Former IPC [1992/39]	G06F15/30
Designated contracting states	AT, BE, CH, DE, DK, ES, FR, GB, GR, IT, LI, LU, NL, SE [1992/39]
Title	German:	VERFAHREN UND SYSTEM ZUR FERNVERTEILUNG FÜR DEN KLEINHANDELBANKVERKEHR	[1992/39]
	English:	METHOD AND SYSTEM FOR REMOTE DELIVERY OF RETAIL BANKING SERVICES	[1992/39]
	French:	PROCEDE ET SYSTEME DE PRESTATION A DISTANCE DE SERVICES BANCAIRES DE DETAIL	[1992/39]
Entry into regional phase	09.06.1992	National basic fee paid
	09.06.1992	Search fee paid
	09.06.1992	Designation fee(s) paid
	09.06.1992	Examination fee paid
Examination procedure	01.07.1991	Request for preliminary examination filed International Preliminary Examining Authority: DE
	09.06.1992	Examination requested [1992/39]
	03.06.1996	Despatch of a communication from the examining division (Time limit: M08)
	11.02.1997	Reply to a communication from the examining division
	13.05.1997	Despatch of a communication from the examining division (Time limit: M06)
	13.11.1997	Reply to a communication from the examining division
	12.10.1998	Despatch of communication of intention to grant (Approval: Yes)
	22.01.1999	Communication of intention to grant the patent
	26.03.1999	Fee for grant paid
	26.03.1999	Fee for publishing/printing paid
Opposition(s)	Opponent(s)	01 10.04.2000 18.04.2000 ADMISSIBLE APACS (Administration) LIMITED MERCURY HOUSE, TRITON COURT 14 FINS LONDON EC2A 1LQ / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street London EC4V 6JA / GB
		02 14.04.2000 27.04.2000 ADMISSIBLE ABBEY NATIONAL PLC BAKER STREET LONDON NW1 6XL / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street London EC4V 6JA / GB
		03 14.04.2000 27.04.2000 ADMISSIBLE BARCLAYS BANK PLC 54 LOMBARD STREET LONDON EC3P 3AH / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street London EC4V 6JA / GB
		04 14.04.2000 27.04.2000 ADMISSIBLE HSBC BANK PLC 27-32 POULTRY LONDON EC2P 2BX / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street London EC4V 6JA / GB
		05 14.04.2000 27.04.2000 ADMISSIBLE LLOYDS TSB BANK PLC 71 LOMBARD STREET LONDON EC3P 3BS / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street London EC4V 6JA / GB
		06 14.04.2000 27.04.2000 ADMISSIBLE NATIONAL WESTMINSTER BANK PLC 41 LOTHBURY LONDON EC2P 2BP / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street London EC4V 6JA / GB
		07 14.04.2000 27.04.2000 ADMISSIBLE NATIONWIDE BUILDING SOCIETY NATIONWIDE HOUSE PIPERS WAY SWINDON SN38 1NW / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street London EC4V 6JA / GB
		08 14.04.2000 27.04.2000 ADMISSIBLE THE ROYAL BANK OF SCOTLAND PLC 36 ST ANDREW SQUARE EDINBURGH EH2 2YB / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street London EC4V 6JA / GB
		09 18.04.2000 ADMISSIBLE HALIFAX PLC TRINITY ROAD HALIFAX, WEST YORKSHIRE HX1 2RG / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street London EC4V 6JA / GB
		[N/P]
	Former [2000/24]
	Opponent(s)	01 10.04.2000 18.04.2000 ADMISSIBLE APACS (Administration) LIMITED MERCURY HOUSE, TRITON COURT 14 FINSBURY SQUARE LONDON EC2A 1LQ / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		02 14.04.2000 27.04.2000 ADMISSIBLE ABBEY NATIONAL PLC BAKER STREET LONDON NW1 6XL / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		03 14.04.2000 27.04.2000 ADMISSIBLE BARCLAYS BANK PLC 54 LOMBARD STREET LONDON EC3P 3AH / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		04 14.04.2000 27.04.2000 ADMISSIBLE HSBC BANK PLC 27-32 POULTRY LONDON EC2P 2BX / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		05 14.04.2000 27.04.2000 ADMISSIBLE LLOYDS TSB BANK PLC 71 LOMBARD STREET LONDON EC3P 3BS / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		06 14.04.2000 27.04.2000 ADMISSIBLE NATIONAL WESTMINSTER BANK PLC 41 LOTHBURY LONDON EC2P 2BP / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		07 14.04.2000 27.04.2000 ADMISSIBLE NATIONWIDE BUILDING SOCIETY NATIONWIDE HOUSE PIPERS WAY SWINDON SN38 1NW / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		08 14.04.2000 27.04.2000 ADMISSIBLE THE ROYAL BANK OF SCOTLAND PLC 36 ST ANDREW SQUARE EDINBURGH EH2 2YB / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		09 18.04.2000 ADMISSIBLE HALIFAX PLC TRINITY ROAD HALIFAX, WEST YORKSHIRE HX1 2RG / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
	Former [2000/23]
	Opponent(s)	01 10.04.2000 18.04.2000 ADMISSIBLE APACS (Administration) LIMITED MERCURY HOUSE, TRITON COURT 14 FINSBURY SQUARE LONDON EC2A 1LQ / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		02 14.04.2000 ADMISSIBLE ABBEY NATIONAL PLC BAKER STREET LONDON NW1 6XL / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		03 14.04.2000 ADMISSIBLE BARCLAYS BANK PLC 54 LOMBARD STREET LONDON EC3P 3AH / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		04 14.04.2000 ADMISSIBLE HSBC BANK PLC 27-32 POULTRY LONDON EC2P 2BX / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		05 14.04.2000 ADMISSIBLE LLOYDS TSB BANK PLC 71 LOMBARD STREET LONDON EC3P 3BS / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		06 14.04.2000 ADMISSIBLE NATIONAL WESTMINSTER BANK PLC 41 LOTHBURY LONDON EC2P 2BP / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		07 14.04.2000 ADMISSIBLE NATIONWIDE BUILDING SOCIETY NATIONWIDE HOUSE PIPERS WAY SWINDON SN38 1NW / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
		08 14.04.2000 ADMISSIBLE THE ROYAL BANK OF SCOTLAND PLC 36 ST ANDREW SQUARE EDINBURGH EH2 2YB / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
	Former [2000/22]
	Opponent(s)	01 10.04.2000 18.04.2000 ADMISSIBLE APACS (Administration) LIMITED MERCURY HOUSE, TRITON COURT 14 FINSBURY SQUARE LONDON EC2A 1LQ / GB Opponent's representative Jones, Stephen Francis Baker & McKenzie 100 New Bridge Street GB-London EC4V 6JA / GB
	02.06.2000	Invitation to proprietor to file observations on the notice of opposition
	11.12.2000	Reply of patent proprietor to notice(s) of opposition
	25.04.2002	Date of oral proceedings
	17.05.2002	Despatch of minutes of oral proceedings
	17.05.2002	Despatch of communication that the patent will be revoked
	20.09.2005	Legal effect of revocation of patent [2006/09]
Appeal following opposition	25.07.2002	Appeal received No. T0764/02
	27.09.2002	Statement of grounds filed
	20.09.2005	Result of appeal procedure: appeal of the proprietor was rejected
	20.09.2005	Date of oral proceedings
	22.09.2005	Minutes of the oral proceedings despatched
Fees paid	Renewal fee
	11.12.1992	Renewal fee patent year 03
	13.12.1993	Renewal fee patent year 04
	07.12.1994	Renewal fee patent year 05
	08.12.1995	Renewal fee patent year 06
	11.12.1996	Renewal fee patent year 07
	24.12.1997	Renewal fee patent year 08
	24.12.1998	Renewal fee patent year 09
Opt-out from the exclusive Tooltip competence of the Unified Patent Court	See the Register of the Unified Patent Court for opt-out data
	Responsibility for the accuracy, completeness or quality of the data displayed under the link provided lies entirely with the Unified Patent Court.
Lapses during opposition Tooltip	AT	21.07.1999
	ES	21.07.1999
	GR	21.07.1999
	IT	21.07.1999
	NL	21.07.1999
	SE	21.07.1999
	DK	21.10.1999
	[2008/02]
Former [2003/45]	AT	21.07.1999
	ES	21.07.1999
	GR	21.07.1999
	NL	21.07.1999
	SE	21.07.1999
	DK	21.10.1999
Former [2003/07]	AT	21.07.1999
	ES	21.07.1999
	GR	21.07.1999
	NL	21.07.1999
	SE	21.07.1999
Former [2002/25]	AT	21.07.1999
	ES	21.07.1999
	GR	21.07.1999
	SE	21.07.1999
Former [2002/23]	AT	21.07.1999
	GR	21.07.1999
	SE	21.07.1999
Former [2001/23]	AT	21.07.1999
	GR	21.07.1999
Former [2000/24]	AT	21.07.1999
Documents cited:	Search	[A] ECONOMIST. 27 March 1982, pages 85 - 86 'Banking on the inhuman factor' [A]
		[A] AMERICAN BANKER. 29 December 1983, pages 1 & 16 M. WEINSTEIN 'Chase, Cox Plan Service for Other Banks' [A]
	International search	[Y] Economist, 27 March 1982, "Over 100 shared automatic teller machine (ATM network are operating in the US", pages 83 and 841 (Abstract only). [Y]
		[Y] American Banker, 28 June 1984, "Home Banking: MCI Communications Venture To Be Delayed Until Next Year", pages 2 and 181 (Abstract only). [Y]
		[Y] American Banker, 15 May 1985, "Airline Credit Union Ready for Takeoff With Electronic and Telephone Banking", pages 24 and 91 (Abstract only). [Y]
		[Y] American Banker, 9 June 1987, "8 Banks and Thrifts in 3 States Launch Video Banking Service", pages 2 and 25 (Abstract only). [Y]
		[YP] Business Journal, 29 October 1990, "Citicorp test-markets device that simplifies home banking", page 16 (Abstract only). [YP]
		[A] American Banker, 4 April 1984, "Low-Cost Computer Terminal Designed for Home Banking", pages 8 and 17 (Abstract only). [A]
		[A] EFT Report, 5 December 1984, "Australia gets its first home banking system", page 8 (Abstract only). [A]
		[A] Marketing Communications, December 1984 "The Electronic Wizard of Wall Street", pages 32-34. [A]
		[A] ITS Current, March 1988, "ITS Develops SHAZAM Bill Payer For Customer and Merchant Convenience", pages 3-4. [A]

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