CAPITAL ONE FINANCIAL CORPORATION Patent applications |
Patent application number | Title | Published |
20160140226 | SYSTEMS AND METHODS FOR PROVIDING SEARCHABLE CUSTOMER CALL INDEXES - A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results. | 05-19-2016 |
20160104237 | SYSTEMS AND METHODS FOR MANAGING A CUSTOMER ACCOUNT SWITCH - Systems and methods for management of an account switch are disclosed. An account switch management system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive a list of transaction entries to be switched from a first account to a second account and account information associated with the first account and the second account. The one or more processors may also determine a recommendation relating to a customer action based on the transaction entries and the account information. The one or more processors may provide the list of transaction entries and account information and the recommendation to the client device. The one or more processors may also receive a request from the client device to complete an action and transmit a notification to a processing device to complete the action. | 04-14-2016 |
20160098708 | SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS USING PAYMENT TOKENS - A computer system is enabled to process a transaction. The computer system receives a financial account holder identifier and a merchant identifier and generates a payment token uniquely associated with the financial account holder and merchant. The computer system communicates the payment token to a mobile payment device. The computer system can then receive a payment request that includes the payment token, a payee identifier, and a payor identifier associated with the payment request. The computer system can then authorize the payment request when the payee identifier matches the financial account holder identifier uniquely associated with the payment token and the payor identifier matches the merchant identifier uniquely associated with payment token. | 04-07-2016 |
20160086516 | SYSTEMS AND METHODS FOR ACCESSIBLE WIDGET SELECTION - Methods and systems are disclosed for enabling item selection in a widget. An example method comprises receiving at an electronic device, from a server, code instructing the electronic device to display a widget having a grid comprising one or more cells configured for point-and-click selection. The method further comprises displaying the grid in accordance with the received code and sending information associated with a currently selected cell to an assistive system on the electronic device. The method further comprises configuring the electronic device for keystroke operation of the widget. The method further comprises identifying a non-entry keystroke, and in response, determining a new cell associated with the grid, selecting the new cell, and sending information associated with the new cell to the assistive system for output to the user. The method further comprises identifying an entry keystroke and, responsive thereto, sending information associated with the new cell to the server. | 03-24-2016 |
20160086217 | SYSTEMS AND METHODS FOR PROVIDING OFFERS USING A MOBILE DEVICE - A wireless device is enabled to provide offers. The wireless device receives card data for a financial account card and stores the card data in a memory associated with the wireless device. Responsive to using the card data in a transaction at a first merchant location, the wireless device receives transaction line-item data from a computing system associated with the first merchant location. The wireless device determines merchant information for a second merchant location and determines an offer associated with the second merchant location based on the line-item data and the merchant information for the second merchant. The wireless device presents the offer when the wireless device is near the second merchant location. | 03-24-2016 |
20160071203 | SYSTEMS AND METHODS FOR PROVIDING A SEPARATE INTEREST RATE FOR AN INDIVIDUAL TRANSACTION - Systems and methods for providing a separate interest rate for an individual transaction are disclosed. A system may provide a service associated with a account having an account balance and an associated first interest rate. The system may include a service device having one or more memory devices storing instructions and one or more processors configured to execute the instructions to perform a separate interest rate service process. The process may include providing a separate interest rate service offer to a client device and receiving a separate interest rate selection from the client device. The process may also include determining a selected portion of the account balance corresponding to an amount to which a second interest rate, different from the first interest rate, is to be applied based on the separate interest rate selection. | 03-10-2016 |
20160071085 | SYSTEMS AND METHODS FOR INITIATING PAYMENT FROM A CLIENT DEVICE - The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function. | 03-10-2016 |
20160070941 | WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE - A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader. | 03-10-2016 |
20160063484 | AUGMENTED REALITY CARD ACTIVATION - Systems and methods are provided for activating a card using augmented reality. The systems and methods may include capturing a real-time image of the card using a customer device, and extracting card information from the real-time image. The card information may be processed and used by a customer device or a financial provider server to activate the card. The customer device may display interactive graphics overlaid on the real-time card image to guide the customer through the activation process, and to educate the customer about the components of the card and aspects of the financial service associated with the card, such as a credit card service. The customer may interact with the overlaid graphics such as by selecting icons or portions of the card to trigger tutorials or to set preferences related to the card and/or financial service. | 03-03-2016 |
20160063455 | SYSTEMS AND METHODS FOR PROVIDING MANUFACTURER-BASED FINANCIAL SERVICE ACCOUNTS - The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase. | 03-03-2016 |
20160055514 | SYSTEMS AND METHODS FOR SUGGESTING FINANCIAL ACCOUNT CARDS STORED ON A WIRELESS DEVICE - A wireless device is enabled to process a transaction. In one implementation, the wireless device receives card data for a plurality of financial account cards and stores the card data in memory associated with the wireless device. The wireless device determines merchant information for the transaction and determines rewards benefit information for at least some of the plurality of financial account cards. The wireless device provides a suggestion of at least one of the plurality of financial account cards to use in the transaction based on the determined rewards benefit information. | 02-25-2016 |
20160048817 | SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR DEPOSITING, WITHDRAWING, AND REUSING CURRENCY FOR PURCHASE TRANSACTIONS USING AN INTELLIGENT TELLER MACHINE - Systems and methods are disclosed for the deposit, withdrawal, and reuse of currency for transactions. According to disclosed embodiments, an intelligent teller machine (ITM) is configured to receive currency as payment for a transaction, to calculate and dispense any change due, and to request that the net value of the transaction (e.g., the revenue) be deposited into the financial account of the business. The currency received by the ITM is also available to make change for future purchase transactions. | 02-18-2016 |
20160048421 | SYSTEMS AND METHODS FOR PROVIDING REAL-TIME ALERTS WITH CONCESSIONS - The disclosed embodiments include a method for generating a response when a user encounters an error while using a servicing system. The method may include determining a user has encountered an error using a servicing system based on a trigger event associated with a system failure, logging the error in association with identifying information of the user, analyzing the error according to one or more pre-configured rules to determine an error level associated with the error, and selecting one or more responses to the error based on the error level, with at least one response being directed to the user in real-time. The method may include determining a medium for transmitting the one or more responses based on a type of device operated by the user when the user encountered the error, and transmitting the one or more responses using at least the determined medium. | 02-18-2016 |
20160027029 | SYSTEMS AND METHODS FOR PRODUCT PLACEMENT OPTIMIZATION BY SENSING CUSTOMER TRAFFIC IN STORES - The disclosed embodiments generally relate to in-store customer traffic analysis systems and methods. The system includes at least one sensor positioned within a retail store, at least one display associated with the at least one sensor, one or more memory devices storing instructions and one or more hardware processors configured to execute the instructions to perform operations. The operations include receiving a sensor signal indicating that a user device is within a proximity to the at least one sensor in the retail store, extracting a user device identifier from the sensor signal, correlating the sensor signal to the at least one display, generating a foot traffic record associated with the user device identifier and the at least one display, based on the received sensor signal, and storing the generated foot traffic record. | 01-28-2016 |
20160005113 | SYSTEMS AND METHODS FOR SWITCHING ELECTRONIC ACCOUNTS USING A SELF-SERVICE DEVICE - The disclosed embodiments include methods and systems for switching electronic accounts using self-service device. The account switch system may receive, from the self-service device, a request to switch an existing electronic account associated with a first provider to a new electronic account associated with a second provider. The account switch system may also receive, from the self-service device, information associated with the existing electronic account. The account switch system may generate the new electronic account associated with the second financial service provider and transfer data, such as funds, associated with the existing electronic account to the new electronic account. The account switch system may send information associated with the new electronic account to the self-service device, and the self-service device may provide a new account card associated with the individual and the new electronic account to the individual that is ready for use. | 01-07-2016 |
20150379514 | SYSTEMS AND METHODS FOR TRANSACTION PRE AUTHENTICATION - Systems, methods, and computer-readable media are provided for mobile-based transaction pre-authorization. One example method comprises receiving, from a device (such as a mobile device), a pre-authorization request including at least selection of a payment method, and generating a pre-authorization for a purchase based on the selected payment method. The method further comprises receiving a transaction request, determining whether the received transaction request is associated with the pre-authorization, and processing the transaction request based on the determination. Systems and computer-readable media implementing the above method are also provided. User interfaces are also provided for enabling the use of such methods, systems, and computer-readable media on, for example, mobile devices. | 12-31-2015 |
20150356662 | SYSTEMS AND METHODS FOR LOCATION SENSING TO FACILITATE BEST PRICING OPTIONS - Systems and methods are provided for purchasing merchandise items at a desired purchase price. In accordance with certain embodiments, systems and methods are provided for specifying a desired purchase price for a merchandise item. Embodiments of the present disclosure may also provide systems and methods for completing purchases of the merchandise item when the purchase price of the merchandise item is less than or equal to the desired purchase price. Other embodiments of the present disclosure may also provide systems and methods to determine and/or adjust the purchase price for a merchandise item and notify the customer when the adjusted purchase price is less than or equal to the desired purchase price. | 12-10-2015 |
20150348035 | WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE - A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader. | 12-03-2015 |
20150341740 | SYSTEMS AND METHODS FOR COMMUNICATING WITH A UNIQUE IDENTIFIER - A system for device communication is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to transmit a first unique identifier to a wave device, and receive a second unique identifier from the wave device. Further, the first unique identifier may exclusively identify a person, and the second unique identifier may exclusively identify a first wave receiver associated with a person, an entity, a place, or an object. In addition, at least the first unique identifier may be transmitted to the wave device based on an indication of a proximity between the first person and the first wave receiver. | 11-26-2015 |
20150341402 | SYSTEMS AND MEHTODS FOR PROVIDING AN INTERACTIVE COMMUNITY THROUGH DEVICE COMMUNICATION - A wave device is disclosed. The wave device may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive a unique identifier associated with a community and generate a communication including the unique identifier associated with the community and enabling a second wave device to join the community. The one or more processors may be further configured to transmit the communication to the second wave device based on geographic proximity to the second wave device, and share information with the second wave device based on the second wave device joining the community. | 11-26-2015 |
20150332246 | MULTI-ACCOUNT CARD - A system for conducting a transaction is disclosed. The system may include one or more memory devices storing instructions and one or more processors configured to execute the instructions to receive information associated with a transaction initiated using a multi-account card. The one or more processors may be further configured to select and employ one of a plurality of transaction accounts to complete the transaction. | 11-19-2015 |
20150294312 | SYSTEMS AND METHODS FOR INITIATING AND AUTHORIZING TRANSACTIONS USING A DETECTABLE DEVICE - A system for initiating and authorizing a transaction including one or more memory devices storing instructions and one or more processors configured to execute the instructions to associate a detectable device with at least one financial account. The one or more processors may be further configured to receive a notification indicating that the detectable device is involved in a potential transaction initiated by a sensor device detecting the detectable device in an initiating action. The one or more processors may be further configured to receive transaction information associated with the potential transaction. The one or more processors may be further configured to identify a customer profile associated with the detectable device, and determine whether the potential transaction is authorized by a customer based on the transaction information and at least one profile customization parameter associated with the customer profile. | 10-15-2015 |
20150287028 | Systems and Methods for Authenticating Electronic Transactions - The disclosed embodiments provide systems and methods for authenticating electronic transactions. A system for authenticating electronic transactions may include one or more memory devices storing instructions and one or more processors configured to receive transaction data associated with a transaction and further associated with a customer. The transaction data includes a customer identifier. The one or more processors may be configured to identify a customer account associated with the customer based on the customer identifier, and determine an authentication tier level associated with the transaction. The authentication tier level may reflect one or more levels of authentication required to authorize the transaction. The one or more processors may be configured to receive authentication data associated with a customer, and determine whether the authentication data satisfies the authentication tier level associated with the transaction and authorize the transaction when the authentication data satisfies the authentication tier level. | 10-08-2015 |
20150286946 | SYSTEMS AND METHODS FOR AN ATTRIBUTE GENERATOR TOOL WORKFLOW - The disclosed embodiments generally relate to systems and methods for computerized decisioning, and more particularly, to systems and methods for standardized coding and deployment of attributes for financial decisioning systems coded once and deployed to multiple decisioning systems and environments. Consistent with disclosed embodiments, an attribute management system may include one or more memory devices storing instructions, and one or more hardware processors configured to execute the instructions to perform operations. Upon executing the instructions, the processors may receive a financial service request, and identify a decisioning system for processing the request. The processors may determine that an attribute is required for processing the request using the decisioning system. Then, the processors may initiate an attribute calculation service for determining an attribute value for the attribute. The processors may receive the attribute value from the attribute calculation service, and process the financial service request using the received attribute value. | 10-08-2015 |
20150248669 | SYSTEMS AND METHODS FOR MANAGING GIFT CARDS - A system for linking a gift card with a financial account of a financial service provider may include one or more memory devices storing instructions and one or more processors configured to receive gift card data including a credit balance of a gift card associated with a user. The processor may be configured to determine a financial account of the user with the financial service provider and associate the gift card data with the financial account of the user. Additionally, the processor may be configured to receive transaction data for a purchase transaction of the user at a merchant. The transaction data may include an identifier of the financial account of the user. Based on the identifier of the financial account of the user, the processor may be further configured to apply at least a portion of the credit balance of the gift card to the purchase transaction. | 09-03-2015 |
20150235201 | SYSTEMS AND METHODS FOR INITIATING PAYMENT FROM A CLIENT DEVICE - The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function. | 08-20-2015 |
20150213428 | ATM SKIMMER DETECTION BASED UPON INCIDENTAL RF EMISSIONS - The disclosed embodiments include methods and systems for detecting ATM skimmers based upon radio frequency (RF) signal. In one aspect, the disclosed embodiments include a system for detecting ATM skimmers including a memory storing instructions and one or more processors that execute the instructions to perform one or more operations for detecting ATM skimmers. The operations may include, for example, receiving radio frequency (RF) signal data corresponding to one or more RF signals detected by an antenna located within communication range of the ATM. The operations may also include determining one or more unidentified RF signals of the detected ATM RF signals that differ from one or more baseline RF signals. The operations may also include determining whether the one or more unidentified RF signals are present for a predetermined period of time, and determining whether a skimmer is present at the ATM based on a determination that the one or more unidentified RF signals are present for the predetermined period of time. | 07-30-2015 |
20150213427 | DETECTION OF UNAUTHORIZED DEVICES ON ATMS - The disclosed embodiments include methods and systems for detecting ATM skimmers, other unauthorized devices, such as hidden video cameras or keypad overlays, and/or possible damage to the ATM based upon radio frequency (RF) signal emitted from the ATM and/or 3D image analysis. | 07-30-2015 |
20150206234 | SYSTEMS AND METHODS FOR EXPORTING AUTO FINANCE INFORMATION - This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item. | 07-23-2015 |
20150206167 | SYSTEMS AND METHODS FOR PROVIDING A FINANCIAL DISCOUNT OR REWARD - The disclosed embodiments include methods and systems for providing a discount or reward at the point of sale. In one embodiment a system for providing a discount at the point of sale is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions and determine discount eligibility of the one or more purchase transactions. The system may also be configured to determine a discount amount based on the determined discount eligibility and the transaction data and apply the discount to the one or more purchase transactions. Further, the system may also be configured to display the applied discount to the user. | 07-23-2015 |
20150199758 | SYSTEMS AND METHODS FOR APPLYING SENSOR ANALYSIS TO FINANCIAL UNDERWRITING - Systems and methods are disclosed for determining the value of secured assets associated with loan accounts. In one implementation, a financial service system configures a secured loan account for a customer. The system determines an asset belonging to the customer to serve as the secured collateral for the loan. One or more sensors are configured to monitor information associated with the asset. The financial service system may periodically sample the sensor information associated with the asset, and use the sensor information to determine a present valuation of the secured asset. The sensor information may also be used to modify the loan terms, or to generate advertising targeted to the customer for related goods or services. | 07-16-2015 |
20150199748 | Systems and Methods for Managing Three Dimensional Manufacturing - The disclosed embodiments include methods and systems for providing financial services for three-dimensional (3D) manufacturing. Consistent with disclosed embodiments, a system may receive a request and payment information from a user for producing a 3D manufacturing product. The system may then transmit the payment information to one or more vendors identified by the request. The system may also provide a registration number associated with the 3D manufacturing product to the user. The one or more vendors may include a manufacturer system and/or a designer system. The designer system may transmit a 3D design file associated with the 3D manufacturing product to the manufacturer after receiving the payment information associated with the 3D manufacturing product. | 07-16-2015 |
20150193873 | SYSTEMS AND METHODS FOR DYNAMIC, RISK-BASED PURCHASE FINANCING - This disclosure relates generally to credit-based transactions, and more particularly to dynamic purchase financing methods and systems. In one embodiment, a computer-implemented method provides a conditional credit line. The method receives a payment authorization request, and parses, via a processor, the payment authorization request to extract payment information. The method determines that the payment information includes information related to an extra credit line. The method generates, via the processor, a credit-risk allocation notification associated with the extra credit line, and transmits the credit-risk allocation notification to a computer associated with a financial institution. | 07-09-2015 |
20150193775 | METHOD AND SYSTEM FOR PROVIDING ALERT MESSAGES RELATED TO SUSPICIOUS TRANSACTIONS - Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to perform a plurality of operations. The operations may include receiving data relating to an activity of a user. The operations may also include identifying a merchant based at least on the received data. The operations may also include accessing historical fraud or disputes data associated with at least one of the user and the merchant. The operations may also include determining whether the received data triggers an alert. The operations may further include sending an alert message to a user device associated with the user when the processor determines that the received data triggers the alert. | 07-09-2015 |
20150193768 | METHOD AND SYSTEM FOR PROVIDING ALERT MESSAGES RELATED TO SUSPICIOUS TRANSACTIONS - Systems and methods are provided for providing alerts to a user. The systems and methods may include a financial service provider including a memory device storing instructions. The financial service provider may also include at least one processor configured to execute the instructions to receive data relating to a transaction made by the user, compare the received data to a set of data associated with the user, determine whether the data relating to the transaction deviates from a set of data associated with the user by more than a threshold value, and send an alert message to a user device associated with the user when the processor determines that the data relating to the transaction deviates from the set of data associated with the user by more than the threshold value. | 07-09-2015 |
20150186918 | SYSTEMS AND METHODS FOR AUTOMATIC REWARD REDEMPTION - Systems and methods are provided for enrolling a customer into a rewards program and allowing the customer to conveniently redeem reward benefits. Consistent with certain embodiments, computer-implemented systems and methods are provided for enrolling a customer into a rewards program. Enrolling the customer may include verifying the customer's credentials and allowing the customer to select categories of transactions and/or specific merchants for redeeming the reward benefits. Additionally, systems and methods are provided for redeeming the reward benefits. Consistent with certain embodiments, computer-implemented systems and methods are provided for determining the number of reward points or miles corresponding to cost of the transaction. Additionally, systems and methods are provided for crediting the account with the cost of the transaction. Systems and methods are also provided for determining a partial cash value for the credit when the reward balance is insufficient to cover the cost of the transaction. | 07-02-2015 |
20150149432 | SYSTEMS AND METHODS FOR SEARCHING FINANCIAL DATA - Systems and methods are provided for searching financial data. For example, a device for searching transaction information is disclosed. The device may include interface hardware for receiving and providing information and a memory device for storing instructions. The device may also include one or more hardware processors configured to execute the instructions to receive a user request for information associated with one or more transactions in the form of a search query, transmit the search query to a transaction search engine for identification of one or more concepts from the search query, and receive, from the transaction search engine, responsive transaction data determined based on the one or more concepts identified from the search query. The one or more hardware processors may be further configured to determine a result that satisfies the user request based on the responsive transaction data, and provide the result via the interface hardware. | 05-28-2015 |
20150142661 | SHARED EXPENSE MANAGEMENT - Systems and methods are provided for managing shared expenses. The systems and methods may include a financial service provider identifying shared expenses in a customer's transaction history with software application executed on a server or personal computing device. The financial service provider may identify other individuals with whom the customer shares the expense, and send requests for reimbursement on the customer's behalf. The financial service provider may monitor the status of reimbursement payments, and send reminders as necessary until the shared expense has been reimbursed. | 05-21-2015 |
20150127541 | WEARABLE TRANSACTION DEVICES - The disclosed embodiments include wearable transaction devices. A wearable transaction device may client device for executing a transaction. The client device may include interface hardware for communicating transaction information, a memory device for storing the transaction information, and sensor hardware configured to sense an action performed by a user. The client device may also include one or more hardware processors configured to access the transaction information, and identify an operation based on at least the transaction information. The one or more hardware processors may be further configured to determine that the operation is authorized by the user, and transmit a notification to a server based on the determination that the operation is authorized by the user, the notification including at least an indication of the identified operation. | 05-07-2015 |
20150127524 | SYSTEMS AND METHODS FOR PROVIDING ENHANCED LOAN QUALIFICATION INFORMATION - Methods and systems are disclosed for providing enhanced information relating to terms for financing a purchase, such as a real estate purchase. According to disclosed embodiments, a financial service system collects financial information associated with the prospective buyer. The financial service system also configures a secure software object, or token, comprising the buyer's financial information. The financial service system transmits the token to various inventory listing sites. By utilizing graphical user interfaces on the inventory listing sites that integrate the transmitted token information, the prospective buyer is provided enhanced information for shopping and researching their purchase, including how the purchase and its financing fit into their overall financial profile. | 05-07-2015 |
20150095130 | SYSTEMS AND METHODS FOR PROVIDING A CUSTOMER SERVICE - The disclosed embodiments include systems and methods for providing customer service. The system may include one or more memory devices storing software instructions. The system may also include one or more processors configured to execute the software instructions to receive customer data and location data from a client device. The one or more processors may also execute the software instructions to identify a customer and a merchant based on the received data. The one or more processors may also execute the software instructions to determine an applicable customer service option based on at least the identified merchant and the identified customer, the customer service option including at least an option to activate a credit card secondary benefit, and transmit a notification to the client device, the notification including the customer service option when the identified customer is eligible for the determined customer service option. | 04-02-2015 |
20150066623 | SYSTEMS AND METHODS FOR PROVIDING FLEXIBLE INCENTIVE REWARDS - Systems and methods are disclosed for providing a financial account with incentives. In one implementation, a method is provided that includes receiving a selection of at least one identified merchant from a customer, the customer being associated with the financial account. The method also includes providing a first incentive to the financial account for one or more purchases made with the financial account at a merchant other than the identified merchant. Further, the method may include providing a second incentive to the financial account for one or more purchases made at the identified merchant with the financial account, wherein the first incentive is different than the second incentive. | 03-05-2015 |
20150052045 | SYSTEMS AND METHODS FOR INSTANT FUNDING OF FINANCIAL SERVICE PRODUCTS - Systems and methods are disclosed for opening new accounts, immediately funding those accounts, and supplying users with funded debit cards within a single visit. According to disclosed embodiments, a financial services kiosk or a combination of financial services systems is configured to open a new account, transfer funds to the new account via a modified withdrawal, a modified debit purchase, a real-time network transfer, and/or an immediate ACH transfer, and print an active debit card for the user without the typical delay of several days or weeks between the opening of the account, the funding of the account, and the issuance of a debit card. | 02-19-2015 |
20150039490 | SYSTEMS AND METHODS FOR PROVIDING USER-CONTROLLED AUTOMOBILE FINANCING - Methods and systems are disclosed for providing approved financing in advance of a purchase to a buyer of an item, such as an automobile, and allowing the prospective buyer to maintain control over the financing throughout the sales process. According to disclosed embodiments, a financial service system configures a financing website for the buyer, and receives personal information as well as information relating to the desired item. The financial service system approves loan parameters for the buyer, and provides the user with a link to access the financing website on a mobile device while at a dealership. Financing parameters can thus be edited throughout the process until the final sales agreement, providing the buyer with confidence and flexibility in the buying process. | 02-05-2015 |
20150032588 | SYSTEMS AND METHODS FOR ENROLLING MERCHANTS USING CARD DATA - The disclosed embodiments include methods, systems, and articles of manufacture for registering merchants to accept payments. A user interface is generated to include an option for a user to provide registration data from a card containing identification data. A ready signal is communicated to an input device indicating the user selected the option to provide the registration data from the card. Registration data is determined from a received data signal and a second user interface requesting confirmation of the registration data is generated. After the registration data is confirmed, the registration data is sent to a registration system. | 01-29-2015 |
20150019355 | SYSTEMS AND METHODS FOR PROVIDING MANUFACTURER-BASED FINANCIAL SERVICE ACCOUNTS - The disclosed embodiments include a mobile client device for providing real-time manufacturer-based financing. In one embodiment, the mobile device is configured to receive a product code associated with a manufacturer product offered for sale at a merchant location. The mobile device may further provide the product code to a financial service provider system configured to create a manufacturer-based financial service account associated with the product manufacturer. Further, the mobile device may provide, to the financial service provider system, information associated with a received account application, where the financial service provider system may create the manufacturer-based financial service account based on the received information and the product code. The mobile device may also receive a purchase code for purchasing the product using the manufacturer-based financial service account, provide it at the merchant POS location, and receive a confirmation of product purchase. | 01-15-2015 |
20150019326 | SYSTEMS AND METHODS FOR A MERCHANT PAYMENT CARD MARKETING LABORATORY - In one embodiment, a system is configured to receive a market analysis request regarding customers having a partnership card account associated with a financial service provider and a merchant. The system may determine one or more online behavior characteristics of the customers and access data associated with financial transactions of the customers from the financial service provider. The system may further determine analysis results responsive to the received market analysis request based on at least the determined one or more online behavior characteristics and the accessed financial transactions of the customers. The system may further generate a report indicating at least the determined analysis results. | 01-15-2015 |
20150019290 | SYSTEMS AND METHODS FOR REPRESENTING CONSUMER BEHAVIOR - The disclosed embodiments include systems and methods for representing consumer behavior. In one embodiment, a system may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to receive consumer transaction data associated with financial transactions occurring with a first merchant and financial transactions occurring with a second merchant. The one or more processors may also be configured to calculate a relative influence score between the first and second merchants based at least on the consumer transaction data, and generate a graphical representation of the first and second merchants and the relative influence score. | 01-15-2015 |
20150012838 | SYSTEMS AND METHODS FOR PROVIDING MOBILE PROVING GROUND - The disclosed embodiments include methods, systems, and articles of manufacture for enabling beta testing of new features within a native application. In one embodiment, a native application executed by a client device may include executable instructions that are activated and executed only upon indication of a user belonging to a beta test group. The client device may receive a signal from a service or content provider that includes test group information indicating whether a user is a member of a test group. The client device may process the received signal to determine whether the user is a member of a test group and, if so, activates and executes certain instructions received as part of the native application that define a user interface enabling access to additional functionality unavailable to a user determined not to be a member of a test group. | 01-08-2015 |
20150012400 | SYSTEMS AND METHODS FOR SWITCHING CREDIT CARD ACCOUNTS - Systems and methods are disclosed that provide credit card account switching processes. In certain embodiments, a card switch system is disclosed to automate or near-automate one or more processes for effectuating the switch of a credit card account from one card carrier to another. The system is configured to receive an indication to switch credit card accounts for a customer. Further, the system receives user cardholder data associated with at least one of the customer, the previous credit card account, or the new credit card account. The system is configured to identify, based on the received cardholder data, account information associated with the previous credit card account to associate with the new credit card account. Finally, the system is configured to transfer the identified account information to a system associated with the new credit card account. | 01-08-2015 |
20140372338 | SYSTEMS AND METHODS FOR RECOMMENDING MERCHANTS TO A CONSUMER - The disclosed embodiments include systems and methods for generating merchant recommendations for a user. In one embodiment, the disclosed embodiments may include one or more memory devices storing software instructions and one or more processors configured to execute the software instructions to perform operations consistent with the disclosed embodiments. In one aspect, the one or more processors may be configured to receive consumer transaction data associated with a plurality of consumer purchases from at least one data source and store the received consumer transaction data in the one or more memory devices. In another embodiment, the one or more processors may be configured to identify a plurality of merchant recommendations based on the stored consumer transaction data and one or more attributes associated with each of a plurality of merchants. The processor(s) may also be configured to generate corresponding recommendation scores for each of the identified plurality of merchant recommendations based on one or more recommendation models. The one or more processors may further provide the plurality of merchant recommendations and corresponding recommendation scores to the user. | 12-18-2014 |
20140372169 | SYSTEMS AND METHODS FOR PROVIDING BUSINESS RATINGS - The disclosed embodiments include methods, systems, and articles of manufacture for providing business ratings. The disclosed embodiments include, for example, a system that may be configured to access spending transaction data including at least a unique payor identifier, a payee description, a payee category code, and a postal code. The system may determine a payee identification for the spending transaction data by comparing the spending transaction data to a plurality of known payees having the same payee category code as the spending transaction data. Further, the system may access one or more historical spending transactions matching the payee category code, and generate a business rating score for a payee associated with the determined payee identification based on at least the determined one or more historical spending transactions. | 12-18-2014 |
20140365991 | SYSTEMS AND METHODS FOR PROVIDING PREDICTIVE QUALITY ANALYSIS - The disclosed embodiments include methods and systems for providing predictive quality analysis. Consistent with disclosed embodiments, a system may receive input data associated with a software program and compare the input data with one or more predetermined analysis parameters. The system may further determine at least one risk rating based on the comparison, wherein each risk rating corresponds to a distinct software category. The system may perform additional operations, including determining at least one adjustment to the software program based on the determined at least one risk rating, and prioritizing the at least one adjustment based on a predetermined adjustment priority standard. Furthermore, the system may provide a report including at least an indication of the at least one prioritized adjustment, a timeline for implementing the at least one prioritized adjustment, and plan implementing the at least one prioritized adjustment. | 12-11-2014 |
20140358660 | SYSTEMS AND METHODS FOR OFFERING PRODUCTS USING LINKED TRANSACTIONS - The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for linked transactions. Transaction data corresponding to a first product physically purchased using a financial service account and product identification data identifying the first purchased product are received. The transaction data and the product identification data are associated. A consumer that purchased the first product is determined based on at least the transaction data. Follow-on purchase to offer for sale to the consumer based on the product identification data is determined and a follow-up purchase offer to purchase the follow-on product is generated. The consumer is provided with the follow-on purchase offer to enable the consumer to purchase the follow-on product in an electronic commerce purchase transaction. | 12-04-2014 |
20140358656 | SYSTEM AND METHOD PROVIDING FLOW-THROUGH PRIVATE LABEL CARD ACQUISITION - The disclosed embodiments include methods, systems, and articles of manufacture for providing offers for merchant accounts. The disclosed embodiments include, for example, a system for providing offers for accounts associated with a merchant. The system may be configured to receive a product identifier from a consumer, the product identifier identifying a product available from a merchant. The system may also determine whether the consumer has a current financial service account associated with the merchant. Further, the system may determine one or more incentives to offer the consumer, the one or more incentives being based at least in part on the product identifier. The system may also generate an invitation to apply for a new financial service account associated with the merchant when the consumer does not have a current financial service account associated with the merchant, communicate the invitation to apply to the consumer, and award the one or more incentives to the consumer based on a response to the invitation to apply. | 12-04-2014 |
20140319213 | WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE - A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader. | 10-30-2014 |
20140319212 | WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE - A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader. | 10-30-2014 |
20140310152 | SYSTEM AND METHOD FOR PROVIDING EXTRA LINES OF CREDIT - A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each customer. One or more extra line of credit may be established for selected customers based on the determined level of risk associated with each customer. Each extra credit line may be exclusively associated with a selected set of vendors that have a partnership agreement with the credit card issuer. The credit card issuer may allow customers to select vendors to be associated with the extra credit line or may automatically choose vendors for selected customers. Customers with established extra credit lines may purchase goods and/or service directly from vendor sites or at the credit card issuer's web sites. Purchases at selected vendor sites may be automatically applied to a customer's newly established extra credit line. Additionally, a customer may choose to apply purchases to their extra credit lines or their primary line of credit. | 10-16-2014 |
20140304131 | SYSTEM FOR AND METHOD FOR DETERMINING OVERDRAFT PROTECTION - A system and method in accordance with example embodiments may calculate a velocity of money associated with a particular account and a particular customer. Additionally, a system and method in accordance with example embodiments may calculate an overdraft risk score based on the velocity of money, where the overdraft risk score may be used to determine an overdraft protection limit for an account. | 10-09-2014 |
20140297493 | SYSTEMS AND METHODS FOR MANAGING A FINANCIAL INVESTMENT FUND - Providing a financial investment fund includes receiving a plurality of individual funds corresponding to a plurality of investors respectively and aggregating the plurality of individual funds into an aggregated fund. Next, providing a financial investment fund includes purchasing a plurality of financial instruments from at least one financial institution with a first portion of the aggregated fund and placing a second portion of the aggregated fund in a transaction account. The financial investment fund may include at least the financial instruments and the transaction account. In addition, one of the at least one financial institution may use at least a portion of the first portion of the aggregated fund received in exchange for the plurality of financial instruments to perform a function of the financial institution. | 10-02-2014 |
20140289031 | SYSTEMS, METHODS AND COMPUTER READABLE MEDIUM FOR WIRELESS SOLICITATIONS - Product offering systems are provided. Product offering systems may include sending an offer to a customer that possesses a mobile computing device and has agreed to receive offers for products via the mobile computing device. Agreeing to receive offers would result in the unique data about the customer being available to offer provider. Unique customer data may include data related to the customers wireless service provider or from a financial account in a financial institution, and collecting customer data about the customer, wherein the customer data comprises financial data and personal data. Product offering systems may further include registering a wireless computing device of the customer to able the device to receive the offer, and determining opportunities to send the offer to the customer by monitoring the customer and the customer data. Product offering systems may also include sending the offer to the customer's registered device based on the determination of opportunities. | 09-25-2014 |
20140279592 | SYSTEM AND METHOD FOR SOCIAL HOME BUYING - Example embodiments disclose systems and methods for providing a property profile for a property. The disclosed systems and methods enable receiving, via a network at a social home buying system, identifying data from a mobile device, receiving location data, via a network at a social home buying system, from the mobile device, retrieving property data from a property information database that stores information about the property based on the at least one of the identifying data and location data, creating a property profile based on the property data, identifying data, and location data, storing the property profile in a property profile database, and providing the property profile via a network to a social networking site. | 09-18-2014 |
20140279546 | ENHANCED NEAR FIELD COMMUNICATIONS ATTACHMENT - A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob. | 09-18-2014 |
20140279539 | SYSTEMS AND METHODS FOR PROVIDING AUTOMATED TIPPING SUGGESTIONS - The disclosed embodiments include methods, systems, and articles of manufacture for providing tipping suggestion services. A financial service provider configures a financial service account for a user. After the user makes a purchase at a merchant associated with leaving a tip, such as a restaurant, the financial service provider may determine metrics related to tipping, such as the user's own tipping behavior, or the tipping behavior of other users at the same merchant over time. The financial service provider may rapidly transmit the tipping metrics to a client device when a notification is received that a user has made a tip-eligible purchase, so that the user may factor the metrics into a decision of how much to tip in real time as the decision is being made. | 09-18-2014 |
20140279534 | SYSTEM AND METHOD FOR PROVIDING AN ACCOUNT HOLDER A NOTIFICATION - Systems and methods provide for notifying an account holder of an attempted transaction. The systems and methods include a transaction data communication module that receives, via a network, transaction data associated with a transaction, a transaction processor that associates the transaction data with an account of an account holder, compares the transaction data to one or more spending limits associated with the account, and compares the transaction data to one or more fraud detection rules associated with the account, an account holder notification system associated with the transaction processor that notifies the account holder, via a network, based on the results of the comparison steps, and an authorization response module that receives, via a network, a response from the account holder and approves or deny the transaction based at least in part on a response received. | 09-18-2014 |
20140279533 | REAL-TIME APPLICATION PROGRAMMING INTERFACE FOR MERCHANT ENROLLMENT AND UNDERWRITING - The disclosed embodiments include methods and systems for providing a real-time application programming interface for merchant enrollment and underwriting. In one embodiment, a process is disclosed that may include receiving, from a first computing device, a request for applying for the merchant financial account for a merchant applicant. The request may also include verifying the information associated with the merchant applicant and providing, via the first computing device, at least one question with a plurality of answer choices to the merchant applicant if the merchant applicant information associated with the applicant is verified. In one aspect, the method may include receiving an answer choice to the at least one question from the merchant applicant via the first computing device and validating the received answer choice. If the answer choice is validated, the method may include activating the first computing device and authenticating the merchant applicant for the merchant financial account. | 09-18-2014 |
20140279530 | Systems and Methods for Initiating Payment from a Client Device - The disclosed embodiments include a mobile client device for automatically performing a mobile financial service function, including a memory storing software instructions, the software instructions including a mobile financial service application configured to perform financial service processes. The system may also include and one or more processors configured to execute the software instructions to detect a physical action performed on the mobile client device, and determine a first financial service function to perform based on the detected physical action, wherein the first financial service function is a function provided by the mobile financial service application. The one or more processors may also determine whether verification of a user is required, verify the user if verification of the user is required, and automatically initiate the first financial service function. | 09-18-2014 |
20140279489 | SYSTEMS AND METHODS FOR PROVIDING ALTERNATIVE LOGINS FOR MOBILE BANKING - Systems and methods are disclosed for providing access and authentication scenarios for mobile, or remote, banking via a client device. A financial service provider system determines a desired level of security for various mobile banking transactions, and configures a unique login credential or attribute for each level or tier of security. After receiving an indication that a user desires to perform a mobile banking transaction, and determining the mobile banking transaction desired by the user, the financial service provider system prompts the user for the associated login credential or attribute. Finally, the system receives and validates the credential. | 09-18-2014 |
20140279487 | SYSTEMS AND METHODS FOR PROVIDING FUNDING CHANGES TO FINANCIAL TRANSACTIONS - A system is provided for funding changes regarding financial transactions. The system may include one or more memory devices storing software instructions and one or more processors configured to execute the software instructions to, for example, identify a first financial transaction for a first amount involving a first financial account associated with a user, and determine a second financial account associated with the user that can be used to fund the first financial transaction. The one or more processors may also be configured to provide a funding type change option that identifies the second financial account as an alternate financial account for funding the first financial transaction, receive a funding type change indication to change the funding type of the first financial transaction from the first financial account to the second financial account, and process the funding type change indication. | 09-18-2014 |
20140279473 | SYSTEM AND METHOD FOR AUCTIONING A FIRST-IN-WALLET PAYMENT ACCOUNT STATUS - A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring. | 09-18-2014 |
20140279399 | SYSTEM AND METHOD FOR MATCHING VENDORS AND CLIENTS - A system and method for providing same-day funding to a vendor of a sale from a financial institution including the substantially real-time procedures of applying for funding, processing of the application, and providing same-day funding. The system and methods also including utilizing an open exchange platform for data communication and processing between a vendor system and a financial institution system. The same-day funding including an initial assessment and processing to determine if an application is eligible for same-day funding followed by further assessments and processing of application data where it is determined that the application is eligible for same-day funding. | 09-18-2014 |
20140279398 | ABILITY TO PAY CALCULATOR - The disclosed embodiments include methods and systems for collecting, managing, and processing data for lending services. In one embodiment, a computerized system is disclosed that may receive a loan request from a customer, and collect data from the customer and third parties having information about the customer. The system may utilize the collected data in an ability-to-pay (ATP) calculator to determine the customer's ability to pay the requested loan, in addition to the customer's current financial obligations, and considering additional contextual factors. Different selectable versions of the ATP calculator may incorporate different contextual data and non-traditional financial data to provide a customized, accurate determination of the customer's ability-to-pay. | 09-18-2014 |
20140279396 | SYSTEM AND METHOD FOR PROCESSING VECTOR EXCEPTIONS - A system and method in accordance with example embodiments may determine whether or not an item requiring overdraft lending is eligible for the lending. Additionally, a system and method in accordance with example embodiments may receive a request to authorize an overdraft of an item and a first authorization credentials, determine whether or not the first authorization credentials are associated with a lending authority amount greater than the overdraft item request, and generate at least one message to at least one authorized user associated with a lending authority amount greater than the overdraft item request when the lending module determines the first authorized credentials are not associated with the lending authority amount great than the overdraft item request. | 09-18-2014 |
20140279332 | SYSTEMS AND METHODS FOR CONFIGURING AND CONTROLLING FINANCIAL ACCOUNT PRODUCTS - In one embodiment, a system configured to configure an inactive financial account is provided. The system, which may be a mobile device, may include one or more memory devices storing software instructions, and one or more processors configured to execute the software instructions to perform one or more operations. The processor(s) may be configured to receive from a server financial account configuration option data relating to a configurable inactive financial account product. The one or more processors may also generate and display interface(s) for activating the inactive financial account product, and receive input through the one or more interfaces to activate the inactive general financial account product. The processor(s) may further generate user selected financial account configuration option data based on the input, and provide the data to the server for configuring and activating the inactive financial account product in accordance with the input. | 09-18-2014 |
20140279331 | SYSTEM AND METHOD FOR PRO-ACTIVELY RESPONDING TO MASS COMPROMISE SITUATIONS - Systems and methods for automatically responding to a mass compromise event include storing, in a financial institution database, transaction histories for each of a plurality of accounts associated with the financial institution, analyzing, using an account detection processor, the transaction histories to identify one or more accounts among the plurality of accounts that are associated with a mass compromise event, segmenting, using the account detection processor, the identified one or more accounts into first and second segments, applying, using the account detection processor, risk splitters to first segment to identify mass compromise queue processing accounts, providing, using the account detection processor, the mass compromise queue processing accounts, and automatically processing, using a mass compromise queue processor, the mass compromise queue processing accounts. | 09-18-2014 |
20140279330 | SYSTEMS AND METHODS FOR MANAGING CUSTOMER DATA - Systems and methods are disclosed for managing customer data. In one embodiment, a system may include one or more memory devices storing instructions, and one or more processors configured to execute the instructions to receive data related to a customer's first account from a first line of business server. The one or more processors may also be configured to determine that the customer has a second account in a second line of business, and receive data related to the second account from a second line of business server. The one or more processors may also be configured to receive updated data related to the customer, and transmit the updated data to at least one of the first and second line of business servers. | 09-18-2014 |
20140279313 | SYSTEM FOR AND METHOD FOR COMPREHENSIVE SALES AND SERVICE METRIC REPORTING - A system and method in accordance with example embodiments for comprehensive sales and service data reporting. Sales and service events that take place at a front end branch of an enterprise may be input into a front end system and transmitted to a backend system where various modules then use the front end system data to generate various data and reports to display various data, such as, for example, sales incentive metrics and key performance indicators. | 09-18-2014 |
20140279312 | SYSTEM AND METHOD FOR PROVIDING AUTOMATED CHARGEBACK OPERATIONS - Embodiments of the present disclosure provide systems and methods for automated chargeback processing, including hardware and software for storing, in a database, transaction data associated with one or more transactions in a queue, retrieving transaction data associated with one or more transactions stored in the queue, for each transaction in the queue, applying, using an automated chargeback processor, one or more rules to the transaction data, identifying, using the automated chargeback processor, the transaction data as eligible or ineligible for chargeback processing based on the one or more rules, determining, using the automated chargeback processor, whether additional documentation is required, and sending, via a network, instructions to perform a chargeback operation for an account associated with the transaction data. | 09-18-2014 |
20140279311 | SYSTEM AND METHOD FOR DETERMINING TRANSACTION LOCATIONS BASED ON GEOCODED INFORMATION - Systems and methods for determining a transaction location based on transaction history data include storing, in a database, transaction history data related to a plurality of account holders, storing, in a database, location data for a plurality of locations, wherein each of the plurality of locations is associated with a respective merchant store location, receiving, via a network, transaction data associated with one of the plurality of account holders' recent transaction, obtaining, using a processor, the location data for a plurality of locations, retrieving, using a processor, transaction history data associated with the account holder from a transaction history data store associated with a financial institution, creating transactions clusters based on the transaction history data, analyzing a location associated with each of the transaction clusters and the location data, and determining a predicted transaction location based on the analysis of the one or more transaction clusters and the location data. | 09-18-2014 |
20140279307 | SYSTEM AND METHOD FOR COMPREHENSIVE SALES AND SERVICE EVENT PROCESSING AND REPORTING - Example systems and methods provide comprehensive sales and service data processing and reporting. Sales and service events that take place at a front end branch of an enterprise may be input into a front end system and transmitted to a backend system where various modules then use the front end system data to generate various data and reports to determine sales incentive metrics and key performance indicators. | 09-18-2014 |
20140279231 | SYSTEM AND METHOD FOR PROVIDING THIRD PARTY PAYMENTS WITH NON-INTEGRATED MERCHANTS - A system and method in accordance with example embodiments may include third party payments with non-integrated merchants. A system and method in accordance with example embodiments may utilize a plug in or application to intercept retailer data from a third party, analyze data, and present information to a customer based on the intercepted data and the analysis. | 09-18-2014 |
20140278965 | SYSTEMS AND METHODS FOR PROVIDING PAYMENT OPTIONS - The disclosed embodiments include methods, systems, and articles of manufacture for providing payment options. In one embodiment, a system may receive transaction information regarding a plurality of purchase transactions involving a plurality of merchants and customers of a financial service provider. The system may also determine a merchant and payment type for each of the plurality of purchase transactions based on the received transaction information. The system may further associate one or more of the determined payment types with each of the determined merchants. The system may also generate at least one configuration file reflecting the one or more of the determined payment types associated with each of the determined merchants. The system may also provide the at least one configuration file to at least one client device. | 09-18-2014 |
20140278888 | METHOD AND SYSTEM FOR OFFERING SPENDING-BASED REWARDS - A system and method in accordance with example embodiments may include evaluating account holder data, determining an account holder specific rewards program, and providing the account holder specific rewards program to the account holder. The rewards program may include a rewards and/or cash-back eligibility for a number of rewards or cash-back options. | 09-18-2014 |
20140270147 | SYSTEM AND METHOD FOR A PREDICTIVE CUSTOMER EXPERIENCE - Systems and methods for identifying a customer include storing account information, the account information including one or more associated phone numbers and an account number, the account number having a last 4-digit portion, receiving a phone number, comparing the phone number to the account information of various account holders to determine whether the phone number matches an associated phone number, prompting the user to input 4 digits if there is a match, and comparing the received 4 digits to the respective 4-digit portion to identify the customer. | 09-18-2014 |
20140258105 | METHOD AND SYSTEM FOR AUTOMATICALLY COLLECTING PAYMENT FOR A CREDIT ACCOUNT - A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The method includes automatically collecting a first amount from a first account if the number of days the credit account is delinquent comprises at least a first number of days and crediting the credit account the first amount. The first account may comprise a checking account, and the first number of days may comprise twenty days. | 09-11-2014 |
20140258094 | SYSTEMS AND METHODS FOR DYNAMICALLY PROVIDING FINANCIAL LOAN PRODUCTS - The disclosed embodiments include methods and systems for collecting, managing, and processing business data for lending services. In one embodiment, a lending system is disclosed that may register a small business with a lending service provided by a lending system and receive first small business data from the small business. The lending system may store the first small business data and analyze the first small business data to determine whether the small business qualifies for a loan product provided by a financial service provider. In another embodiment, the lending system may determine, based on the analysis, that additional business data is needed to determine whether the small business qualifies for the loan product. The lending system may further receive second small business data from the small business and analyze the second small business data to determine whether the small business qualifies for the loan product provided. | 09-11-2014 |
20140258092 | SYSTEMS AND METHODS FOR ANALYZING FINANCIAL ACCOUNTS AND BUSINESS EFFORTS BASED ON LENDER INFORMATION - The disclosed embodiments include methods and systems for assessing financial account requests. In one embodiment, a method is disclosed that includes receiving a request from a borrower for a first financial account offered by a financial service provider. The method may also include collecting first lender information associated with the borrower and a first lender, where the lender information includes information associated with at least one first lender financial account offered by the first lender. In certain aspects, the method may further include analyzing the request based on the lender information and determining whether to approve the request for the first financial account based on the analysis of the request. | 09-11-2014 |
20140258091 | SYSTEMS AND METHODS FOR AGGREGATING AND MANAGING FINANCIAL SERVICE ACCOUNTS - The disclosed embodiments include methods and systems for providing an aggregated financial service account based on multiple private label financial accounts. In one embodiment, a process is disclosed that may include receiving a first request from a user for a first private label financial account that is usable for purchases associated with a first merchant and approving the first request for the first private label financial account. The method may also include receiving a request from the user for a second private label financial account that is usable for purchases associated with a second merchant and approving the second request for the second private label financial account. In one aspect, the method may also include generating an aggregated financial account based on the first and second private label accounts such that the aggregated financial account may be used for purchases with the first merchant or with the second merchant. | 09-11-2014 |
20140257979 | SYSTEMS AND METHODS FOR PROVIDING ADVERTISING SERVICES - The disclosed embodiments include methods, systems, and articles of manufacture for providing advertising services. In one embodiment, a system is provided for receiving a user registration request, identifying advertisements in content presented at client devices of the user during a first time period, providing alternative advertisements to the client devices in substantially real-time to replace the identified advertisements, receiving user financial data indicating purchases of the user during the first time period, associating user purchases with the alternative advertisements provided during the first time period based on the user's financial data, and determining an efficacy score one or more of the alternative advertisements based on the association. | 09-11-2014 |
20140257922 | SYSTEMS AND METHODS FOR PROVIDING SOCIAL DISCOVERY RELATIONSHIPS - The disclosed embodiments include methods and systems for providing social discovery service operations. In one embodiment, a system for providing a social discovery service is disclosed. The system may be configured to receive transaction data relating to one or more purchase transactions involving one or more merchants and one or more consumers. The system may also be configured to receive product data identifying one or more products included in the one or more purchase transactions. The system may also receive location data associated with the one or more purchase transactions. Based on the transaction data, location data, and the product data, the system may be configured to generate one or more social discovery graphs. Further, the system may be configured to perform one or more social discovery operations based on the one or more social discovery graphs. | 09-11-2014 |
20140249916 | SYSTEM AND METHOD FOR PROVIDING MOBILE GROCERY BUDGET APPLICATION - The present disclosure relates to systems and methods for providing a mobile shopping budget application. The system includes an account processor that receives, via a network, location data associated with the current location of an account holder, product data, and budget data, a database that stores the received location, product and budget data, and an aggregator that determines a total price based on at least the location data, product data, and budget data, and provides a virtual shopping basket to the account holder based at least on the product data and budget data. | 09-04-2014 |
20140244480 | SYSTEMS AND METHODS FOR PROVIDING A USER INTERFACE FOR FACILITATING PERSONAL PAYMENT TRANSACTIONS - Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate. | 08-28-2014 |
20140244464 | SYSTEM AND METHOD FOR PROVIDING A USER-LOADABLE STORED VALUE CARD - A system and method in accordance with example embodiments may provide a user-loadable stored value card. Additionally, a system and method in accordance with example embodiments may allow an institution to receive a user-loadable stored value card activation request from a sender, activate a user-loadable stored value card using the information received in the activation request, and provide card management capabilities to the sender. | 08-28-2014 |
20140244453 | SYSTEM AND METHOD FOR PROVIDING AUTOMATED RECEIPT AND BILL COLLECTION, AGGREGATION, AND PROCESSING - A system and method in accordance with example embodiments may include automated receipt and bill collection, aggregation, and processing. Additionally, a system and method in accordance with example embodiments may a customer opt-in, scan one or more electronic messages including receipts and bills, retrieve transaction information from one or more electronic messages, associate retrieved transaction data with existing database data, and utilize the associated data to provide contextual information to a user. | 08-28-2014 |
20140236807 | System and Methods for Providing Starter Credit Card Accounts - A system and method for providing starter credit card products to selected customers of a credit card issuer is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a credit card issuer to identify a group of customers that may not eligible to obtain standard credit card products offered by the credit card issuer. The credit card issuer may rank these customers and present offers for starter credit card accounts with adjusted account parameters tailored to these customers. The credit card issuer monitors the activities of each starter card account during a trial period to determine whether each respective account has met predetermined criteria. Based on the results of the monitor process, the credit card issuer may adjust the parameters associated with each starter credit card account. The adjustment may include increasing a credit limit of the starter credit card account if the predetermined criteria has been met, or conversely, restarting the trial period if an account has not met the predetermined criteria during the trial period. Once a starter card account that meets selected criteria during the trial period will graduate and receive new parameters and benefits defined by the credit card issuer. | 08-21-2014 |
20140214644 | SYSTEM AND METHOD FOR PROVIDING PURCHASE HISTORY TO AN ACCOUNT HOLDER - The system and methods provide an account holder with a mobile spend feed. The systems and methods include a database that stores information associated with at least one previous financial transaction performed via a financial account held by the account holder, a transaction processor that receives transaction data associated with a financial transaction performed by the account holder using the financial account, and stores the transaction data in the database, and a purchase history processor creates a spend feed based at least in part on the transaction data and the previous transaction information, and provides the spend feed to the account holder. | 07-31-2014 |
20140214635 | SYSTEMS AND METHODS FOR EXTRACTING INFORMATION FROM A TRANSACTION DESCRIPTION - The disclosed embodiments include systems and methods for extracting information from a transaction description. In one embodiment, a system is disclosed that may include one or more processors and one or more memory devices storing instructions that, when executed by the one or more processors, performs operations consistent with the disclosed embodiments. In one embodiment, the operations may include receiving a transaction description. The operations may also include identifying known location information corresponding to the transaction description and determining whether information from the transaction description corresponds to the identified known location information. The operations may further include removing location information from the transaction description based on the determination. In another aspect, the operations may also include extracting additional location information from the transaction description that is not associated with the known location information. | 07-31-2014 |
20140207680 | SYSTEM AND METHOD FOR PROVIDING A MOBILE WALLET SHOPPING COMPANION APPLICATION - A system and method in accordance with example embodiments may include systems and methods for providing a mobile wallet shopping companion application. In an example embodiment, a method for providing a mobile wallet shopping companion application includes, receiving, via a network, confirmation of a transaction using a financial account; receiving, via a network, data relating to both the financial account and a customer associated with the financial account; and transmitting, via a network, processing the data relating to the financial account and the customer associated with the financial account in order to create a tailored offer and/or targeted data for the customer. | 07-24-2014 |
20140207572 | SYSTEM AND METHOD FOR PROVIDING SMART STATEMENTS - Systems and methods for providing purchase driven financial statements include an account processor that receives account data associated with one or more financial accounts of the account holder and advertising data via a network; one or more databases that stores at least the received account data and the received advertising data; and a statement processor that creates a financial statement based at least in part on the account data and the advertising data, provides the financial statement to an account holder, and tracks the account holder's future account data based on the provided advertising data. | 07-24-2014 |
20140207571 | SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR DELIVERING PERSONALIZED DEALS TO CUSTOMERS - Systems and processes are disclosed for generating an delivering personalized deals to users. In certain embodiments, disclosed embodiments may configure a financial service account associated with a user. Based on monitored transactions from the financial service account, systems consistent with disclosed embodiments may generate deals that are personalized to the user of the financial service account. Such deals may be delivered to the user or a third-party upon request. | 07-24-2014 |
20140207524 | SYSTEMS AND METHODS FOR DETERMINING CONSUMER SHOPPING CORRIDORS - The disclosed embodiments include systems and methods for determining shopping corridor. In one embodiment, a system is disclosed that may include one or more processors and one or more memory devices storing instructions that, when executed by the one or more processors, performs operations consistent with the disclosed embodiments. In one embodiment, the operations may include receiving geo-coded financial transaction data associated with a plurality of financial transactions that were performed using a financial service account associated with a customer. The operations may also include grouping the financial transactions into a plurality of clusters based on the geo-coded financial transaction data. In another aspect, the operations may include generating a shopping corridor associated with the customer based on at least the plurality of clusters, and providing a financial service using the generated shopping corridor. | 07-24-2014 |
20140201080 | SYSTEMS AND METHODS FOR PROCESSING CUSTOMER PURCHASE TRANSACTIONS USING BIOMETRIC DATA - A system and method is provided for processing customer purchase transactions using biometric data. Consistent with disclosed embodiments, a processing entity receives biometric data of a customer, wherein the biometric data is unique to the customer. The processing entity may additionally receive transaction data, the transaction data reflecting the price of a purchase transaction by the customer. The processing entity may compare the received biometric data to stored biometric data associated with customers of a financial service provider and identify common biometric data. Additionally, the processing entity may correlate the common biometric data to a customer account associated with the financial service provider, compare the customer account associated with the financial service provider with the transaction data, and verify the customer account associated with the financial service provider contains adequate funds. Furthermore, the processing entity may authorize the purchase transaction. | 07-17-2014 |
20140201062 | Systems and Methods for Managing a Loan Application - The disclosed embodiments provide systems and methods for managing a loan application. In one embodiment, a method is disclosed that may include identifying one or more unfulfilled conditions associated with a loan application of a customer and sending, to a customer device, a request for a loan application document based on the identified one or more unfulfilled conditions. The method may also include receiving, from the customer device, a responsive loan application document. The method may also include identifying a document type for the responsive loan application document and confirming that the responsive loan application document is a valid document. Finally, the method may also include sending loan application status information to the customer device based on the confirmation. | 07-17-2014 |
20140188730 | SYSTEMS AND METHODS FOR AUTHENTICATING POTENTIALLY FRAUDULENT TRANSACTIONS USING VOICE PRINT RECOGNITION - Methods and systems are disclosed for providing fraudulent transaction processes. In one embodiment, a method is disclosed for performing fraudulent transaction processes that may include receiving an indication that a payment transaction has been identified as potentially fraudulent, the payment transaction involving a payment account associated with a user. The method may also include receiving a candidate voice print and comparing the candidate voice print to a user voice print that is associated with the payment account, The method may further include determining, based on the comparison, whether the candidate voice print matches the user voice print, and providing an indication whether the candidate voice print matches the user voice print, the indication configured for use to determine whether to approve or deny the payment transaction. | 07-03-2014 |
20140172695 | SYSTEMS AND METHODS FOR PROVIDING A USER INTERFACE FOR FACILITATING PERSONAL PAYMENT TRANSACTIONS - Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate. | 06-19-2014 |
20140172694 | SYSTEMS AND METHODS FOR EFFECTING PERSONAL PAYMENT TRANSACTIONS - Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction and a funding source engine for providing options to fund the payment. The disclosed embodiments may also provide a payee identity engine for identifying the intended payee receiving the payment and a routing option engine for providing options to route the payment. The embodiments may also provide a messaging engine for providing channels for related parties to the personal payment transaction to communicate. | 06-19-2014 |
20140172693 | SYSTEMS AND METHODS FOR EFFECTING APPLICATION PROGRAMMING INTERFACES FOR PERSONAL PAYMENT TRANSACTIONS - Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In some embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction; a funding source engine for providing options to fund the payment; an payee identity engine for identifying the intended payee receiving the payment; a routing option engine for providing options to route the payment; and a messaging engine for providing channels for related parties to the personal payment transaction to communicate. | 06-19-2014 |
20140172577 | SYSTEM AND METHOD FOR TRIGGERING MOBILE DEVICE FUNCTIONALITY USING A PAYMENT CARD - A system and method in accordance with example embodiments may include providing functionality triggers to a consumer's mobile device in response to using a payment card in order to make a purchase. Functionality triggers may include account functionality, rewards functionality, social networking functionality, and offer or advertisement functionality to be performed on a consumer's mobile device. | 06-19-2014 |
20140172525 | SYSTEMS AND METHODS FOR ISSUING, EVALUATING, AND MONITORING CARD-LINKED OFFERS - Methods and systems are disclosed for issuing, evaluating, and monitoring offers and incentives linked to various consumer financial accounts. Financial service account providers, merchants, card-linked offer providers, and/or service providers may collect transaction information relating to the redemption of card-linked offers. From the data, informative metrics may be determined relating to the offer, its redemption rate, and the consumers who redeemed it. The metrics may be used to evaluate the relative success of the offer, and can trigger revenue sharing processes derived from the offer. In certain aspects, incentive offers may be modified based on the metrics. In further embodiments, the metrics may also be used to determine a metric score that provides further information about the card-linked offer campaign. | 06-19-2014 |
20140169547 | SYSTEMS AND METHODS FOR PROVIDING SEARCHABLE CUSTOMER CALL INDEXES - A system and method is provided for providing searchable customer call indexes. Consistent with disclosed embodiments, a system may receive call information associated with telephone conversations between callers and a vendor, the call information including an audio recording or transcript for each telephone conversation. The system may also identify one or more keywords from the audio recordings or transcripts and index the call information into one or more indexes based on the identified keywords. Finally, the system may determine search results responsive to a search query based on the indexing. In some embodiments, changes to customer service may be identified based on the search results. | 06-19-2014 |
20140164234 | SYSTEMS AND METHODS FOR SPLITTING A BILL ASSOCIATED WITH A RECEIPT - Systems and processes are disclosed for providing bill splitting processes for splitting a bill amount among a set of purchasers. In one example, the disclosed embodiments may receive receipt information reflecting a bill to be split among a group of purchasers. The disclosed embodiments may parse the receipt information to extract one or more items or services having monetary value and generate a list of the items or services included in the receipt. The disclosed embodiments may also identify the group of purchasers that will participate in paying a proportion of the bill associated with the receipt. Further, disclosed embodiments may be configured to determine a proportion of payment of the total amount of the bill for each purchaser in the group of purchasers. In addition, the disclosed embodiments may be configured to provide mechanisms that enable at least one purchaser to provide payment for the at least one purchaser's payment amount for the bill, such as providing interfaces that allow the user to pay electronically using e-commerce payment systems or financial service products. | 06-12-2014 |
20140164217 | SYSTEMS AND METHODS FOR PROVIDING A DIGITAL BLANK CHECK - Systems and methods are provided for providing a digital blank check. The systems and methods may include a financial service provider providing loan terms to a customer. The financial service provider may receive, from a customer device, a first loan request relating to an item. The financial service provider may also generate a first offer based on the first loan request and provide the first offer to the customer device. The financial service provider may also receive, from the customer device at a point-of-sale location, a second loan request relating to the item. In response, the financial service provider may generate a second offer based on the second loan request and provide the second offer to the customer device at the point-of-sale location. | 06-12-2014 |
20140164145 | SYSTEM AND METHOD FOR PROVIDING ADVERTISER AUCTIONS BASED ON SEGMENTATION INFORMED BY PURCHASE DATA - A system and method in accordance with exemplary embodiments may include advertiser auctions based on segmentation informed by purchase data, including a financial institution, one or more advertisers, and a bidding server to facilitate advertiser bidding. Additionally, a system and method in accordance with exemplary embodiments may pool customer and/or transaction information in one or more databases. The system and method in accordance with exemplary embodiments may also utilize a bidding server to permit advertisers to bid on access to information or the ability to present an advertisement and/or offer to a customer. | 06-12-2014 |
20140164103 | SYSTEMS AND METHODS FOR MEASURING ADVERTISING VALUE - Systems and methods are provided for measuring advertising value based on consumer purchases. A financial service provider creates a baseline purchase rating for sales of a product based on consumer purchases over a first time period. The financial service provider receives advertisement information comprising a frequency of advertisements and a price of advertisements for the product over a second time period. The financial service provider additionally receives consumer purchase transaction information comprising a number of purchases for the product associated with the second time period. An advertisement purchase rating is determined based on the advertisement information and consumer purchase transaction information. The financial service provider may compare the advertisement purchase rating to the baseline purchase rating, and provide a report to participating merchants or to the marketplace at large examining the value of the advertisements based on the comparison. | 06-12-2014 |
20140164087 | SYSTEMS AND METHODS FOR SOCIAL MEDIA INFLUENCE BASED REWARDS - Systems and methods are disclosed for providing social-media influence based rewards to a customer. The systems and methods may provide incentives to customers of financial-service providers based on their influence in social media. A level of social-media influence may be determined for the customer by gathering data regarding the customer's social network profiles. Based on the level of social-media influence, an amount of rewards may be provided for business transactions initiated by the customer. | 06-12-2014 |
20140164086 | SYSTEMS AND METHODS FOR ASSISTING AND INCENTIVIZING CONSUMERS - Systems and processes are disclosed for assisting and incentivizing a user to save money by avoiding impulsive purchases. In certain embodiments, disclosed embodiments may include mechanisms to receive a user-defined goal for saving money and to receive item identifying information relating to an item not purchased by the user in accomplishing the goal. The disclosed embodiments also include mechanisms that determine the price of the item based on the identifying information and determine the amount of savings based on the price of the item. The disclosed embodiments may also be configured to determine and offer a reward to the user based on the amount of savings and to provide to the user a history record of one or more items not purchased in accomplishing the user's goal. | 06-12-2014 |
20140164082 | SYSTEMS AND METHODS FOR SOCIAL MEDIA REFERRALS BASED REWARDS - Systems and methods are disclosed for providing social media referrals based rewards to a customer. The systems and methods may provide incentives to customers of financial-service providers (“FSP”) based on their referrals to the FSP. Customer referrals may be determined for the customer by gathering data regarding referrals received from messages distributed by the customer via social media. Based on the referrals, an amount of rewards may be provided for business transactions initiated by the customer. | 06-12-2014 |
20140164062 | SYSTEMS AND METHODS FOR PERFORMING SOCIO-GRAPHIC CONSUMER SEGMENTATION FOR TARGETED ADVERTISING - Systems and methods are disclosed for determining the financial characteristics of socio-graphic segments of social media users. A financial service system links a customer's social network profile to a financial service account associated with the customer. The financial service system may receive information relating to the social network profile, and identify one or more characteristics of the customer based on the information. The financial service system may proceed to associate the customer with one or more socio-graphic groups, or “clusters,” comprising customers sharing the same characteristic. The financial service system may then generate a spending model associated with the clusters, and provide it to advertisers for purposes of generating more useful, targeted advertising and incentives to the customers. | 06-12-2014 |
20140164058 | SYSTEM AND METHOD FOR PROVIDING A MULTILATERAL TRANSACTION DATA MART - Systems and methods include multilateral transaction data mart, including one or more institutions, a central party, and a centralized database. Additionally, example embodiments may receive information from a one or more institutions, store the information in a centralized database, and provide information to one or more institutions upon request. Further, a system and method in accordance with example embodiments may include sending information to a centralized database, sending a request to the centralized database for information regarding one or more users, and receiving information regarding one or more users. | 06-12-2014 |
20140164057 | SYSTEMS AND METHODS FOR DETERMINING CONSUMER PURCHASING BEHAVIOR - Systems and methods are disclosed for analyzing and predicting spending behaviors of consumers. A financial service system configures a financial service account for a user associated with a merchant. The financial service system, after receiving notification of purchase transactions made by the user with the account, may collect information relating to the transactions. The financial service system may determine other merchants that “co-occur” with the first merchant—in other words, where else are the first merchant's customers shopping and who are their true competitors? The financial service system may then compile this data and provide it to the merchant, who may modify their business practices based on the information. | 06-12-2014 |
20140158027 | SYSTEMS AND METHODS FOR MARKING INDIVIDUALS WITH AN INDENTIFYING SUSBSTANCE - The present application discloses systems and methods for marking an individual with an identifying substance. The system includes a spray delivery device configured to release a pressurized substance in response to an activation signal, an activation device configured to transmit an activation signal to the spray delivery device, and a power supply, configured to provide power to at least one of the activation devices and the spray delivery devices. The method includes storing a pressurized substance, receiving an activation signal at a spray delivery device, and releasing the pressurized substance in response to the received activation signal. | 06-12-2014 |
20140156555 | SYSTEM AND METHODS FOR PROVIDING FINANCIAL ACCOUNT INFORMATION OVER A NETWORK - A system and method for providing financial account messages to customers while accessing web sites is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a financial account issuer to provide an application to customer's computer system over a network. The application may be configured to provide various messages associated with the customer's financial account provided by the financial account issuer while the customer browses web sites. The financial account messages may be configured to provide interactive and dynamically changing account status information based on attempted purchases of goods and/or services by the customer at merchants' web sites. The application may also be configured to provide rating information associated with web sites accessed by the customer. | 06-05-2014 |
20140156411 | Methods and Systems for Dynamically Providing Content - Systems and methods are disclosed for dynamically providing content to a user. The disclosed embodiments include generating a recommendation matrix based on event data received from a client. In certain embodiments, the client may be configured to generate event data associated with the client or a user associated with the client. The disclosed embodiments may also include generating an offer score matrix based on the recommendation matrix and the event data. In certain aspects, the offer score matrix may include score values associated with a set of offers to be provided to the user. The disclosed embodiments may identify a first offer from the set of offers based on the score values for the offers and provide an identification of the first offer. The disclosed embodiments may also receive content associated with the first offer for display on the client. | 06-05-2014 |
20140143128 | UNSECURED TO SECURED LOAN CONVERSION IN AUTOMOBILE FINANCE - Systems and methods are disclosed for configuring a loan account program to provide buyers of items, particularly automobiles, the full principal of the loan directly into a financial service account. A financial service system receives a request for a loan from a buyer. Following a risk assessment check, the financial service system configures an unsecured loan product for the buyer and transfers the entire financed principal into a financial service account associated with the buyer. Upon confirmation of the purchase and/or satisfaction of other criteria, the buyer's loan account may be converted to a secured loan account product with more favorable terms. | 05-22-2014 |
20140143127 | SYSTEMS AND METHODS FOR PROVIDING SELLER-INITIATED FINANCING IN PRIVATE SALES - Methods and systems are disclosed for providing seller-initiated financing in a sale of an item between private parties. A financial service system configures a financing program to give sellers the opportunity to offer prospective buyers financing directly. The financial service system enrolls a given seller in the program, providing resources and services to the seller to help market the sale and select a credit-worthy buyer. Once the transaction is completed, the financial service system transfers proceeds to the seller, then configures a loan account and payment plan for the buyer. Alternatively, the program can be implemented with an intermediate service provider, such as an online marketplace retailer. The service provider enrolls the seller and assists with marketing and buyer selection, and the financial service system transfers proceeds to the seller and service provider, and configures a loan account and payment plan for the buyer. | 05-22-2014 |
20140136423 | METHODS AND SYSTEM FOR WARRANTY REGISTRATION AND PROCESSING - Disclosed embodiments generally relate to the registration of product warranties. More particularly, the disclosed embodiments relate to systems and methods for enhancing and optimizing the ability to process warranty registrations. In one aspect, the disclosed embodiments include a processor-implemented warranty management method. In one embodiment, one or more processors may receive, from a mobile device, a product purchase receipt image. The processors may use optical character recognition to extract product purchase data from the product purchase receipt image. In another aspect, the processor may identify, by parsing the product purchase data, one or more product warranty terms including a product warranty time. In yet another aspect, the processors may generate a product warranty data structure comprising the one or more product warranty terms. The processors may provide the product warranty data structure for storage in a memory device. | 05-15-2014 |
20140108260 | SYSTEM AND METHOD FOR TOKEN-BASED PAYMENTS - A system and method for enhanced token-based payments. The system and method including software and hardware to receive, via a network, a request for authorization; create, in response to the request, a dynamic payment packet (DPP) for payment; transmit, via a network, the DPP; receive, via a network, an authorization request, the DPP, and a transaction ID; receive at least one additional data element relating to the customer involved in the transaction and the transaction itself; and transmit, via a network, the transaction ID, an authorization response, and token. | 04-17-2014 |
20140081834 | SYSTEM AND METHOD FOR ASSIGNING A LINE OF CREDIT TO A CREDIT CARD ACCOUNT - A system assigns a credit limit to an account for a credit card of a card holder based on whether the card holder poses an acceptable risk. The system activates an account for the credit card, assigns an initial credit limit well below a tolerance level to the account, develops credit history data based on account activity during predetermined short intervals of time, evaluates the credit history data after each of the predetermined short time intervals, and determines whether to increase the credit limit of the account based on the evaluated credit history. | 03-20-2014 |
20140081817 | SYSTEM AND METHOD FOR DETERMINING SOCIAL STATEMENTS - Systems and methods are disclosed for providing a social statement for an account holder of a financial institution. In one example embodiment, the method includes receiving, by one or more computer processors, account holder financial data associated with the account holder, and receiving, by the one or more computer processors, account holder social data associated with one or more social networking profiles of the account holder. The method further includes associating, by the one or more computer processors, the account holder social data with the account holder financial data. In addition, the method includes identifying peer financial data associated with a peer group, and creating a social statement based at least in part on the account holder financial data, the account holder social data, and the peer financial data. Further, the method includes providing the social statement to the account holder. | 03-20-2014 |
20140074698 | SYSTEM AND METHOD FOR PROVIDING CONTACTLESS PAYMENT WITH A NEAR FIELD COMMUNICATIONS ATTACHMENT - A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack. | 03-13-2014 |
20140058924 | SYSTEM AND METHOD FOR PROVIDING A CREDIT CARD WITH MULTIPLE CREDIT LINES - A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder; establishing a general purpose credit line based on the determined level of risk associated with the cardholder, the general purpose credit line being set as a revolving credit line; establishing a private label credit line based on the determined level of risk associated with the cardholder, the private label credit line being set as a revolving credit line; and issuing the credit card to the cardholder with the established general purpose credit line and private label credit line. | 02-27-2014 |
20140052595 | SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR ANALYZING AND DETERMINING THE VALUE OF SWITCHING ACCOUNTS - The disclosed embodiments include systems and methods for customer account switching valuation. The disclosed embodiments include a customer account switching valuation computer system that includes a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one aspect, the system may receive, from a client computer associated with a customer, a response to an offer to switch an existing account to a new account and collect, based on the response, account information relating to the existing account. The processor may be configured to parse the collected account information into one or more categories and analyze the categorized account information to determine a value to the customer for switching from the existing account to the new account. The processor may also provide a representation of the value to the client computer. | 02-20-2014 |
20140052594 | SYSTEMS AND COMPUTER-IMPLEMENTED PROCESSES FOR SWITCHING ACCOUNTS - The disclosed embodiments include systems and methods for switching accounts In one aspect, the disclosed embodiments include a computer system for switching an existing account associated with a customer to a new account that may include a storage device storing instructions and a processor configured to execute the instructions in the storage device. In one embodiment, the processor may analyze account information associated with an existing account and identify one or more transactions associated with the existing account. In another aspect, the processor may determine a first transaction from the one or more transactions that is to be switched to a new transaction associated with a new account and configure the new transaction similar to the first transaction. The processor may switch the first transaction to the new transaction and provide a representation that reflects a status for the switching of the first transaction to the new transaction. | 02-20-2014 |
20130327825 | WIRELESS DEVICES FOR STORING A FINANCIAL ACCOUNT CARD AND METHODS FOR STORING CARD DATA IN A WIRELESS DEVICE - A wireless device is enabled to receive a financial account card that is inserted into a card slot of the wireless device. The wireless device reads card data from the financial account card when it is inserted into the slot and programs an RFID (radio frequency identification) tag or a memory included in the wireless device. The wireless device may then be used to provide payment by transmitting the card data via radio frequency to a nearby RFID reader using the RFID tag. The financial account card may also be ejected from the wireless device and swiped by a magnetic card reader. | 12-12-2013 |
20130290166 | System and Methods for Providing Starter Credit Card Accounts - A system and method for providing starter credit card products to selected customers of a credit card issuer is disclosed. Methods, systems and articles of manufacture consistent with the present invention enable a credit card issuer to identify a group of customers that may not eligible to obtain standard credit card products offered by the credit card issuer. The credit card issuer may rank these customers and present offers for starter credit card accounts with adjusted account parameters tailored to these customers. The credit card issuer monitors the activities of each starter card account during a trial period to determine whether each respective account has met predetermined criteria. Based on the results of the monitor process, the credit card issuer may adjust the parameters associated with each starter credit card account. The adjustment may include increasing a credit limit of the starter credit card account if the predetermined criteria has been met, or conversely, restarting the trial period if an account has not met the predetermined criteria during the trial period. Once a starter card account that meets selected criteria during the trial period will graduate and receive new parameters and benefits defined by the credit card issuer. | 10-31-2013 |
20130226685 | SYSTEMS AND METHODS FOR PROVIDING CUSTOMERS WITH MATCHING REWARDS - A computer-implemented method for providing account holders with a reward based on similar rewards previously obtained through other accounts. The method includes identifying, using one or more computer processors configured to access an account database, an eligible account based on eligibility criteria, wherein the eligible account is associated with an account of an account holder stored in the account database; receiving identifying data that identifies the eligible account; associating a customer identifier with the identifying data from the eligible account; for each customer identifier, receiving confirmation data associated with a separate account of the account holder, wherein the confirmation data comprises a reward variable; validating, using one or more computer processors, the confirmation data; and rewarding the eligible account with a matching variable, wherein the matching variable is approximately equal to the reward variable. | 08-29-2013 |
20130144780 | SAME-DAY SETTLEMENT OF FINANCIAL TRANSACTIONS - A system and method to receive a financial transaction and transfer funds associated with the financial transaction into an account associated with an originator of the financial transaction to settle the financial transaction on the same day that the financial transaction is originated. The financial transaction may be one of a plurality of financial transactions and the financial transaction is identified as being eligible for same-day settlement using routing or transit numbers associated with an entity that receives the financial transaction. | 06-06-2013 |
20130095810 | System and Method for Providing Contactless Payment with a Near Field Communications Attachment - A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack. | 04-18-2013 |
20130095755 | SYSTEM AND METHOD FOR PROVIDING CONTACTLESS PAYMENT WITH A NEAR FIELD COMMUNICATIONS ATTACHMENT - A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack. | 04-18-2013 |
20130095754 | System and Method for Providing Contactless Payment With a Near Field Communications Attachment - A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack. | 04-18-2013 |
20130073451 | SYSTEM AND METHOD FOR PROVIDING BALANCE TRANSFERS - Techniques for providing balance transfers are disclosed. In one exemplary embodiment, the techniques may be realized in a system or computer-implemented method for providing a balance transfer offer to a customer. The customer may initiate the balance transfer by acquiring existing account balance information and providing the account balance information to an application. The customer may take a photograph of an existing account statement with a mobile device, and data from the existing account statement may be extracted and automatically provided to a balance transfer application. The customer may then verify certain customer information, be presented with balance transfer options, and confirm that the customer would like to complete the balance transfer. | 03-21-2013 |
20120215681 | SYSTEM AND METHOD FOR PROVIDING PRE-QUALIFIED AND GUARANTEED FINANCIAL PRODUCTS - Techniques for providing pre-qualified and guaranteed financial products are disclosed. In one exemplary embodiment, the techniques may be realized as a computer-implemented method for providing a guaranteed financial product to a customer. The computer-implemented method may include receiving, from a communications device, customer information associated with a user. The computer-implemented method may also include determining, using a financial institution communications device, a credit score and an assessment of the credit-worthiness of the user based on the customer information. The computer-implemented method may further include outputting, to the communications device, the credit score and the assessment of the credit-worthiness of the user. The computer-implemented method may still further include determining, using the financial institution communications device, whether the user is eligible for guaranteed approval for one or more financial products based on the credit score and the assessment of the credit-worthiness of the user. | 08-23-2012 |
20120123849 | System and Methods for Purchase Reward Investment Communities - Purchase rewards account holders accumulate rewards currency. A network-based investment management system allows account holders to purchase shares in investments using reward currency. When all the shares for a particular investment have been purchased, the underlying investment is acquired. Account holders owning shares in an investment may sell shares to other account holders through system. Account holders are thereby able to invest their rewards dollars in investments typically requiring cash or cash equivalents and to grow their rewards currency. | 05-17-2012 |
20120095576 | System and Method for Implementing a Game for Financial Data Extraction - A system and method of implementing a financial data extraction process including receiving information associated with a user, providing the user a game to play, the game being associated with a financial service environment, acquiring one or more responses from the user during game play, and determining one or more characteristics associated with the user based on the one or more responses acquired from the user during game play. | 04-19-2012 |
20110131086 | METHODS AND SYSTEMS FOR ADJUSTING ACCOUNT TERMS BASED ON PURCHASE TRANSACTION INFORMATION - Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include providing a financial account offer to a customer. The disclosed systems and methods may also include receiving en acceptance of the offer, providing the financial account, setting an account variable equal to a first account value, and monitoring the financial account. The monitoring may further comprise resetting the account variable equal to a second account value when a number of purchase transactions corresponding to a currently monitored time period are less than a threshold value. Furthermore, the account variable may be reset equal to a third account value when the number of purchase transactions corresponding to the currently monitored time period are greater than or equal to the threshold value and a number of purchase transactions corresponding to the previous time period were less than the threshold value. | 06-02-2011 |
20110083182 | PHISHING SOLUTION METHOD - A method for preventing phishing attacks is provided. The method in one aspect includes identifying a source image file that was used fraudulently, replacing the content of the source image file with a warning, and allowing the source image file having the warning to be accessed. | 04-07-2011 |
20090222367 | System and Method for the Activation and Use of a Temporary Financial Card - Systems and methods for the activation and use of a temporary financial card are provided. A customer may cause a temporary financial card to be activated and associated with a value, and may give the card to a recipient who may use the temporary financial card to conduct financial transactions. | 09-03-2009 |
20080201199 | SYSTEM AND METHOD FOR BEHAVIORIAL PSYCHOLOGY AND PERSONALITY PROFILING TO ADAPT CUSTOMER SERVICE COMMUNICATIONS - Systems and methods for behavioral psychology system are provided. The system gathers information about one or more users to form a profile, and adapts the customer's interaction based on the profile. | 08-21-2008 |