| First Data Corporation Patent applications |
| Patent application number | Title | Published |
|---|
| 20120131190 | VALUE PROCESSING NETWORK AND METHODS - Various arrangements for processing a transaction involving at least two parties are provided. Rules may be established that define transaction processing between combinations of a plurality of origination entities and a plurality of destination entities. Transaction information may be received relating to the transaction between the two parties. One of the parties is an origination entity and one of the parties is a destination entity. The transaction information contains at least an identifier from which at least one of the parties may be identified. The transaction information may be used to identify at least one of the parties. The rules may be used to define transaction processing for the at least one party. Processing of the transaction may be at least partially based on the rules. | 05-24-2012 |
| 20120089438 | POINT-OF-SALE-BASED MARKET TRACKING AND REPORTING - Systems and methods are described for transforming actual aggregated data (e.g., transaction and terminal data) from a large number of POS terminals into market trend reports that include macro-level trend data and analyses. For example, POS datasets are aggregated from POS terminals distributed across many merchant outlet locations, each POS dataset including location data and transaction data for its respective POS terminal. A reporting request is received for a market trend report corresponding to a designated market over a designated timeframe. A market dataset is identified from the portion of the aggregated POS data corresponding to the designated timeframe and market. Unreliable portions of the data may be discarded. Market trend data is then calculated as a function of the reliable portion of the market dataset, and graphical report data is output as a function of the market trend data in response to the reporting request. | 04-12-2012 |
| 20120089436 | MAPPING ANALYTICS SYSTEM FOR ACTIVITY GROWTH - Systems and methods are described for transforming actual aggregated data (e.g., transaction and terminal data) from a large number of POS terminals into market trend reports. For example, POS datasets are aggregated from POS terminals distributed across many merchant outlet locations, each POS dataset including location data and transaction data for its respective POS terminal. A reporting request is received for a market trend report corresponding to a designated market. A market dataset is identified from the portion of the aggregated POS data. Market trend data is calculated and graphical report data is output as a function of the market trend data in response to the reporting request. | 04-12-2012 |
| 20120084117 | TRANSACTION LOCATION ANALYTICS SYSTEMS AND METHODS - One embodiment provides a method for evaluating transaction data to determine point of location usage. This could be, for example, to determine where customers are mostly likely to shop before or after shopping at a given merchant. For instance, the method could show the percentage of customers that shop at certain types of stores during a time period right before or after shopping at the merchant's location. As another example, the method could be used to determine when a merchant's customer makes a purchase at the merchant's store, then makes a purchase at a competing merchant's store within a specified time. | 04-05-2012 |
| 20120078694 | ANALYTICS SYSTEMS AND METHODS FOR DISCOUNT INSTRUMENTS - The invention provides systems and methods for collecting point-of-sale (POS) data, and then using this data to determine the effectiveness of a given promotion. By collecting transaction data at the POS that includes a merchant identifier and a promotion identifier (among other data), a variety calculations may be performed to determine the effectiveness of the promotion. | 03-29-2012 |
| 20120067948 | STORED VALUE CARD TRANSACTION CONTROL SYSTEMS AND METHODS - A gift card processing system which includes a database storing interval information representing a required interval between transactions using the gift card. The database also stores data representing the maximum amount of each transaction. The gift card processing system is part of a network that includes POS terminals at merchant locations, where the gift card may be presented. A card ID is read from the card at a POS terminal and used to access the interval data and the maximum transaction amount data. | 03-22-2012 |
| 20110315762 | ELECTRONIC PAYMENT INSTRUMENT AND PACKAGING - Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device. | 12-29-2011 |
| 20110276378 | MOBILE COUPON ANALYSIS SYSTEMS AND METHODS - Methods and systems are described for issuing and settling electronic coupons. A financial service host may receive authorization and settlement information, wherein the authorization and settlement information comprises an account number of the consumer. The account number may be linked to an account of the consumer enrolled in an electronic coupon program. The methods and system may also include transmitting a notification to the consumer that indicates the electronic coupon has been redeemed. A monetary value associated with the electronic coupon may be debited from an account linked to the merchant, and the account of the consumer may be credited with the monetary value associated with the electronic coupon. | 11-10-2011 |
| 20110251907 | ELECTRONIC MARKET TRACKING AND REPORTING SYSTEMS AND METHODS - Systems and methods are described for transforming actual aggregated data (e.g., transaction and terminal data) from a large number of POS terminals into market trend reports. For example, POS datasets are aggregated from POS terminals distributed across many merchant outlet locations, each POS dataset including location data and transaction data for its respective POS terminal. A reporting request is received for a market trend report corresponding to a designated market. A market dataset is identified from the portion of the aggregated POS data. Market trend data is calculated and graphical report data is output as a function of the market trend data in response to the reporting request. | 10-13-2011 |
| 20110251870 | POINT-OF-SALE-BASED MARKET TRACKING AND REPORTING - Systems and methods are described for transforming actual aggregated data (e.g., transaction and terminal data) from a large number of POS terminals into market trend reports that include macro-level trend data and analyses. For example, POS datasets are aggregated from POS terminals distributed across many merchant outlet locations, each POS dataset including location data and transaction data for its respective POS terminal. A reporting request is received for a market trend report corresponding to a designated market over a designated timeframe. A market dataset is identified from the portion of the aggregated POS data corresponding to the designated timeframe and market. Unreliable portions of the data may be discarded. Market trend data is then calculated as a function of the reliable portion of the market dataset, and graphical report data is output as a function of the market trend data in response to the reporting request. | 10-13-2011 |
| 20110215144 | ADVANCED CARD MERGE MACHINE - Advanced card machines and associated card merge methods are provided. A form may be provided from a first supply of forms to a first track that is configured to advance the form. A foldable payment card may be selected from a second supply of foldable payment cards, wherein the selection of the payment card does not result in the payment card being folded. The selected payment card may be advanced, without folding the payment card, along a second track to a position in which the payment card is supplied to the form Additionally, an adhesive may be applied to one of the form or the payment card, and the adhesive may attach the payment card to the form when the payment card is supplied to the form. | 09-08-2011 |
| 20110180608 | PAYMENT DEVICE PHOTO ALBUM - Payment devices and methods for forming payment devices are provided. A payment device may include a front cover, a back cover, and at least one insert, and at least one payment mechanism. The at least one insert may be disposed or situated between the front cover and the back cover, and the front cover, back cover, and the at least one insert may be hinged together along a respective common edge. The at least one payment mechanism may be integrated into one or more of the front cover, the back cover, or the at least one insert. | 07-28-2011 |
| 20110161233 | SECURE TRANSACTION MANAGEMENT - Methods, systems, and devices for secure transaction management are provided. Embodiments include a method for providing secure transactions that include receiving an identifier of a financial account at a payment processor system. A token may be generated that is linked with the identifier of the financial account at the payment processor system. The identifier of the financial account and the token may be stored securely at the payment processor system. The token may be transmitted without the identifier of the financial account to at least a recipient system or a recipient device where the token replaces the identifier of the financial account. | 06-30-2011 |
| 20110161229 | SYSTEMS AND METHODS FOR PROCESSING A CONTACTLESS TRANSACTION CARD - Embodiments of the invention relate to systems and methods for processing a contactless card transaction. In one embodiment, a method for processing a contactless transaction card can be provided. The method can include receiving an input associated with a selection of at least one payment option. Further, the method can include based at least in part on the input, activating a contactless transaction card reader and initiating a corresponding transaction application program. In addition, the method can include receiving account information from the contactless transaction card via the contactless transaction card reader. Moreover, the method can include advancing a transaction counter associated with the contactless transaction card and a transaction counter associated with the corresponding transaction application program. | 06-30-2011 |
| 20110155800 | SYSTEMS AND METHODS FOR PROCESSING A TRANSACTION ASSOCIATED WITH A CONTACTLESS TRANSACTION CARD - Embodiments of the invention relate to systems and methods for processing a transaction associated with a contactless transaction card. In one embodiment, a method for processing a transaction associated with a contactless transaction card can be provided. The method can include polling for at least one transaction application program via a contactless transaction card reader. Further, the method can include receiving account information from the contactless transaction card via the contactless transaction card reader. In addition, the method can include activating a corresponding transaction application program based at least in part on the received account information. Moreover, the method can include advancing a transaction counter associated with the contactless transaction card and a transaction counter associated with the corresponding transaction application program. | 06-30-2011 |
| 20110153496 | AUTHENTICATION OF CARD-NOT-PRESENT TRANSACTIONS - Methods, systems, and machine-readable media are disclosed for processing a card-not-present transaction. According to one embodiment, processing a card-not-present transaction can comprise receiving a request for a card-not-present transaction involving an enrolled consumer. The request can include information identifying the enrolled consumer. A record of information related to the enrolled consumer can be read and the enrolled consumer can be authenticated based at least in part on the information of the request and the record of information related to the enrolled consumer. In response to authenticating the enrolled consumer, a set of single-use payment information can be generated which can include a one-time password and a dynamic Primary Account Number (PAN) which is valid for a single transaction. The single-use payment information can be provided to the enrolled consumer or the merchant to complete the transaction in place of the true PAN. | 06-23-2011 |
| 20110153461 | ENROLLMENT AUTHENTICATION WITH ENTRY OF PARTIAL PRIMARY ACCOUNT NUMBER (PAN) - This disclosure describes, generally, methods and systems for implementing enrollment authentication. The method includes receiving from a customer a partial PAN and an issuing financial institution. Further, based on transaction history related to the partial PAN, the method presents challenge questions to the customer, receive answers to the challenge questions. Then, based on the partial PAN, the issuing financial institution, and the answers to the challenge questions, a complete PAN may be resolved. The method includes prompting the customer to select a mutual trust phrase, receiving the selected mutual trust phrase, and placing a call from an interactive voice response (IVR) system to the customer. Further, the method includes playing back to the customer the selected mutual challenge phrase, receiving, from a telephone (e.g., entered on touch-tone keypad or spoken and translated to text), the customer's PIN associated with the complete PAN, and using the complete PAN and PIN combination to authenticate the customer. | 06-23-2011 |
| 20110153438 | PAYMENT TERMINAL MESSAGING - A payment terminal and a host computer system are configured to provide human-readable messaging capability with a person at an external location outside of a financial infrastructure. A payment terminal at a point of sale may be used to cause human-readable message content to be forwarded to the person by the host computer system, either automatically or at the instigation of an operator of the payment terminal. Message content from the person may be delivered to the payment terminal for display to the operator. The person at the external location may be able to retrieve information stored in the payment terminal via standard communication channels. The system also provides a mechanism for exchanging messages between payment terminals. | 06-23-2011 |
| 20100332383 | WIRELESS COMMUNICATION DEVICE ACCOUNT PAYMENT NOTIFICATION SYSTEMS AND METHODS - Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user. | 12-30-2010 |
| 20100324977 | SYSTEMS, METHODS, AND APPARATUS FOR PROVIDING PROMOTIONAL INFORMATION TO A MOBILE ASSET - Systems, methods, and apparatus for providing promotion information to a mobile asset are provided by various embodiments of the invention. At least one triggering event for soliciting promotional information may be detected. Based on the detection, a request for promotional information may be communicated to a promotional information server and promotional information may be received in response to the request. At least a portion of the promotional information may be presented to a user by a designated asset. | 12-23-2010 |
| 20100291904 | SYSTEMS AND METHODS FOR PROVIDING TRUSTED SERVICE MANAGEMENT SERVICES - Embodiments of the invention provide systems and methods for providing trusted service management services. According to one embodiment, a system can include at least one service provider gateway operable to receive and transmit messages with multiple service providers; at least one mobile network operator gateway operable to receive and transmit messages with multiple mobile network operators; at least one provisioning gateway operable to transmit mobile device application data with multiple mobile devices and to receive messages from the plurality of mobile devices. The system can further include a processor operable to execute computer-executable instructions to: facilitate service provider communications by providing a common service provider interface for the service providers; facilitate mobile network operator communications by providing a common mobile network operator interface for the mobile network operators; facilitate provisioning multiple mobile device applications with the mobile devices; and facilitate communications with the mobile devices. | 11-18-2010 |
| 20100268645 | SYSTEMS AND METHODS PROVIDING MULTIPLE ACCOUNT HOLDER FUNCTIONALITY - Embodiments of the invention may relate to systems and methods providing multiple account holder functionality for stored value accounts. In one embodiment, a method may include executing computer program instructions by one or more processors for receiving a request to create a secondary stored value account for a recipient; creating the secondary stored value account for the recipient; and establishing an association between a primary stored value account and the secondary stored value account. The method may further include establishing transaction rules associated with the secondary stored value account. The transaction rules can include funding rules limiting funding of the secondary stored value account to occur from the primary stored value account, and access rules preventing access to account information associated with the secondary stored value account by a primary account holder associated with the primary stored value account. | 10-21-2010 |
| 20100268611 | SYSTEMS AND METHODS FOR PRE-PAID FUTURES PROCUREMENT - A transaction processor can receive transaction information from a transaction between a customer and a merchant. The transaction information includes an account identifier associated with a financial account of the customer. The processor determines that the account identifier is associated with a fixed price futures contract. The transaction is completed at the current market price. Thereinafter, the processor can determine if the fixed price is lower than the current market price. If the fixed price is lower than the current market price, the process determines the difference in cost for the transaction if the fixed price were used. Then, the processor can create and send a resettlement transaction to the customer's account to reimburse the customer for the difference. As such, the customer receives a simple method for paying for commodities at a set price without having special payment instruments or special accounts. | 10-21-2010 |
| 20100258623 | FLAT CARD PRODUCTION SYSTEMS AND METHODS - Systems and methods for producing a presentation instrument involve receiving an image file having an account number stamp, and producing the image file onto a piece of stock material, such that a visible account number corresponding to the account number stamp is created on the stock material. The visible account number is scanned with a reader. An account number record is encoded onto a presentation instrument, and compared with the scanned visible account number. | 10-14-2010 |
| 20100223346 | SYSTEMS, METHODS, AND DEVICES FOR PROCESSING FEEDBACK INFORMATION RECEIVED FROM MOBILE DEVICES RESPONDING TO TONE TRANSMISSIONS - Systems, methods, and devices for processing feedback information received from mobile device responding to tone transmission are provided. One system may include a memory for storing computer-executable instructions, and an information source processor in communication with the memory, wherein the processor is configured to execute the computer-executable instructions to associate a location identifier with user prompting information and transmit the location identifier to a tone transmission device, where the location identifier is embedded in a tone. The processor is further configured to execute the computer-executable instructions to receive the location identifier that was sent from a mobile device that received the tone from the tone transmission device, retrieve, from the memory, user prompting information based on the location identifier, and transmit the user prompting information to the mobile device. The system may further include receiving feedback information from the mobile device and transmit additional content based on the received feedback information. | 09-02-2010 |
| 20100223145 | SYSTEMS, METHODS AND APPARATUS FOR FACILITATING TRANSACTIONS USING A MOBILE DEVICE - Systems, methods and apparatus for facilitating transactions using a mobile device are provided by certain embodiments of the invention. Information associated with a proposed transaction may be received at a mobile device from a point of sale device. The mobile device may communicate a request to approve the proposed transaction to a transaction processor. The request may at least a portion of the received information and an identifier associated with the mobile device. The transaction processor may determine whether to approve the proposed transaction and communicate an approval or decline message to the point of sale device. | 09-02-2010 |
| 20100223138 | SYSTEMS, METHODS AND APPARATUS FOR MARKETING BY COMMUNICATING TONES TO A MOBILE DEVICE - Systems, methods, and apparatus for providing marketing information by communicating tones to a mobile device are provided by certain embodiments of the invention. A tone may be stored in at least one memory associated with a tone transmission device. The tone may include at least one location identifier for information associated with the tone. The tone may be transmitted from the tone transmission device to the mobile device. Following receipt by the mobile device, the location identifier(s) may facilitate the receipt of the information associated with the tone from an information source. | 09-02-2010 |
| 20100223120 | SYSTEMS, METHODS, AND DEVICES FOR ADMINISTERING CONSUMER REWARD PROGRAMS THROUGH THE USE OF TONES SENT TO MOBILE DEVICES - Systems, methods, and devices for administering consumer reward programs by providing reward identifier and/or reward content to mobile devices, such as cell phones, via information carrying tones to be used in additional rewards processing. One method may include receiving, by a microphone of a mobile device, a tone, where the tone includes a reward information such as a reward identifier or reward content. The method further includes extracting, by a mobile device processor, the reward identifier or reward content from the tone, and storing, by the mobile device processor, the reward identifier or reward content in a memory of the mobile device. In example embodiments of the invention, the information carrying tone may be transmitted such that the tone is substantially inaudible to the vast majority of humans. | 09-02-2010 |
| 20100222100 | SYSTEMS, METHODS AND APPARATUS FOR FACILITATING COMMUNICATION BETWEEN MOBILE DEVICES - Systems, methods, and apparatus for facilitating communication between mobile devices are provided by certain embodiments of the invention. A tone may be processed at a first mobile device for transmission to a second mobile device. The tone may include at least one location identifier for information associated with the tone. The tone may be transmitted from the first mobile device to the second mobile device. After receipt by the second mobile device, the at least one location identifier may facilitate the receipt, by the second mobile device from an information source, of the information associated with the tone. | 09-02-2010 |
| 20100222088 | SYSTEMS, METHODS AND APPARATUS FOR RECEIVING INFORMATION BY A MOBILE DEVICE - Systems, methods, and apparatus for facilitating the receipt of information by a mobile device are provided by certain embodiments of the invention. A tone may be received by a mobile device from a tone transmission device The tone may include at least one location identifier for information associated with the tone. The at least one location identifier may be extracted from the tone by the mobile device, and a request for additional information associated with the tone may be generated utilizing the at least one location identifier. The generated request may be communicated from the mobile device to an information source, and at least a portion of the information associated with the tone may be received from the information source in response to the request. | 09-02-2010 |
| 20100222087 | SYSTEMS, METHODS AND APPARATUS FOR COMMUNICATING INFORMATION TO A MOBILE DEVICE IN A BROADCAST SIGNAL - Systems, methods, and apparatus for facilitating the communication of information to a mobile device in a broadcast signal are provided. A tone may be inserted into a broadcast signal, the tone including at least one location identifier for information associated with the tone. The broadcast signal may be output for communication to a tone transmission device that is operable to communicate the tone to a mobile device. Once received by the mobile device, the at least one location identifier may facilitate the receipt, by the mobile device from an information source, of the information associated with the tone. | 09-02-2010 |
| 20100222072 | SYSTEMS, METHODS AND APPARATUS FOR PROVIDING INFORMATION TO A MOBILE DEVICE - Systems, methods, and apparatus for communicating information associated with tones to a mobile device are provided by certain embodiments of the invention. A request for information associated with a tone that was received by a mobile device may be received at an information source from the mobile device. The request may include at least one location identifier extracted from the tone by the mobile device. The at least one location identifier may be utilized to obtain the requested information, and the requested information associated with the tone may be communicated from the information source to the mobile device. | 09-02-2010 |
| 20100222043 | SYSTEMS, METHODS, AND DEVICES FOR PROMPTING MOBILE DEVICE USERS FOR FEEDBACK INFORMATION USING TONE TRANSMISSIONS - Systems, methods, and devices for prompting mobile device users for feedback information using tone transmissions are provided. One device may include a network interface, a display, a microphone, and a processor in communication with the network interface, display, and microphone, where the processor is configured to execute computer executable instructions to receive, by the microphone, a tone, where the tone includes a location identifier. The processor is further configured to execute computer executable instructions to extract the location identifier from the tone, and transmit, via the network interface, a signal that includes at least a portion of the location identifier. Moreover, the processor is further configured to execute computer executable instructions to receive, via the network interface, user prompting information associated with the location identifier, and display at least a portion of the user prompting information on the display. | 09-02-2010 |
| 20100222041 | Systems, Methods, and Apparatus for Providing Promotion Information to a Mobile Device - Systems, methods, and apparatus providing promotion information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, promotion information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the promotion and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, it may be determined whether the promotion is validated and/or can be activated for the operator, and promotional information can be communicated to the operator, such as a activation confirmation or a redeemable promotion. | 09-02-2010 |
| 20100222038 | SYSTEMS, METHODS, AND DEVICES FOR COMMUNICATING SUPPLEMENTAL INFORMATION TO MOBILE DEVICES - Systems, methods, and devices for communicating supplemental information associated with a product or service to mobile devices. One device may be a mobile device that includes a memory, a microphone, and a processor in communication with the memory and the microphone, where the processor is configured to execute computer executable instructions to receive a tone via the microphone, where the tone comprises supplemental information. The processor is further configured to execute computer executable instructions to extract the supplemental information from the tone, and store the supplemental information in the memory of the mobile device. The device may further include the ability to initiate a purchase, using the mobile device, of a product or service associated with one or more tones received by the mobile device. | 09-02-2010 |
| 20100222037 | Systems, Methods, and Apparatus for Providing Terms and Conditions and Program Enrollment Information to a Mobile Device - Systems, methods, and apparatus providing program information to a mobile device are provided by certain embodiments of the invention. According to one embodiment, program information for a program may be associated with an information carrying tone that is transmitted to a mobile device associated with an operator by a tone transmission device. An indication received responsive to the mobile device receiving the information carrying tone can be stored, and at least one entry associating the program and the operator can be stored responsive to receiving the indication. Also according to various aspects, following receipt of the indication, program information can be communicated to the operator, such as terms and conditions or enrollment information, and it may be determined whether the operator desires to enroll in the respective program or accepts terms and conditions. | 09-02-2010 |
| 20100222026 | Systems, Methods, and Apparatus for Receiving Promotion Information by a Mobile Device - Systems, methods, and apparatus receiving promotion information by a mobile device are provided by certain embodiments of the invention. According to one embodiment, an information carrying tone may be received at a mobile device from a tone transmission device, wherein the information carrying tone includes at least one location identifier associated with promotion information. A tone processing application of the mobile device may further provide for processing the information carrying tone to extract at least one location identifier, and to transmit, to an information source, an indication responsive to receiving the information carrying tone. Also according to various aspects, following transmission of the indication, promotional information can be received by the mobile device for subsequent processing and utilization, such as an activation confirmation or a redeemable promotion. | 09-02-2010 |
| 20100217674 | SYSTEMS, METHODS AND APPARATUS FOR SELECTING A PAYMENT ACCOUNT FOR A PAYMENT TRANSACTION - Systems and methods for selecting a payment account for a payment transaction are provided by certain embodiments of the invention. Data may be collected from a payment device utilized for the transaction, and a plurality of payment accounts may be associated with the payment device. A personal identification number associated with the payment device may be received. At least one of the plurality of payment accounts associated with the payment device may be selected based on a portion of the received personal identification number. The transaction may be facilitated utilizing at least one of the selected payment accounts. | 08-26-2010 |
| 20100191649 | SYSTEM AND METHOD FOR PERFORMING ELECTRONIC TRANSACTIONS - In an embodiment, an arrangement for executing electronic card payment transactions includes first card reading means ( | 07-29-2010 |
| 20100191633 | SYSTEMS AND METHODS FOR FINANCIAL ACCOUNT ACCESS FOR A MOBILE DEVICE VIA A GATEWAY - Systems and methods for providing secure access of at least one of multiple financial account processors to a mobile device and/or facilitating secure financial transactions initiated from a mobile device via a gateway. One method can include receiving a mobile personal identification number (M-PIN) number and Customer Unique Identifier (CUID) from a mobile device and processing the received M-PIN and CUID to identify a Mobile Unique Identifier (MUID). The MUID identifies an account of at least one financial account processor accessible via a gateway, and the mobile device is provided access to the account through the gateway. Prior to providing the mobile device with access to the account, a set of inquiries associated with the identified financial account processor(s) may be presented to the mobile device, and response information from the mobile device to answer the set of inquiries may be verified at the gateway. The mobile device is provided access to the financial account processor after the response information is verified. | 07-29-2010 |
| 20100185545 | DYNAMIC PRIMARY ACCOUNT NUMBER (PAN) AND UNIQUE KEY PER CARD - Methods, systems, and machine-readable media are disclosed for handling information related to a financial transaction including utilizing dynamic cryptograms. According to one embodiment, a method of processing a financial transaction related to a financial account can comprise detecting initiation of the transaction with a device used as a presentation instrument in the transaction. A Dynamic Transaction Cryptogram (DTC) and a dynamic PAN can be generated at the device. The DTC can be used to authenticate the transaction and the dynamic PAN can comprise an encrypted form of a real PAN of the financial account that is valid for a single transaction. The DTC and the dynamic PAN can be provided by the device for use in the transaction. | 07-22-2010 |
| 20100179858 | IDENTIFYING AND SHARING COMMON TRENDS - Embodiments of the present invention provide methods, systems, and machine-readable media for identifying and sharing common trends represented in a corpus of private information without revealing the private information. Identifying and sharing common trends can comprise reading a first set of private information and a second set of private information. The first set of private information can be compared to the second set of private information and common information between the first set of private information and the second set of private information can be identified. Once identified, a determination can be made as to whether the identified common information represents an emerging trend, i.e., the common information re-occurs or develops over time. In response to determining the identified common information represents an emerging trend, the emerging trend can be reported without revealing the first set of private information or the second set of private information. | 07-15-2010 |
| 20100145858 | MONEY ORDER DEBIT FROM STORED VALUE FUND - According to the invention, a method for transferring a credit amount out of an online system using a money order is disclosed. In one step, pay-out instructions are received at a server computer system from a wide-area computer network coupled to a payor. The pay-out instructions include at least two of a payee, a delivery location, and the credit amount. A first handler associated with the payor and a second handler for preparation of the money order according to the pay-out instructions are determined. The credit amount is transferred from the first handler to the online system. The pay-out instructions are sent to the second handler. | 06-10-2010 |
| 20100114773 | Systems, Methods, And Apparatus For Using A Contactless Transaction Device Reader With A Computing System - Embodiments of the invention may relate to systems, methods, and apparatus for using a contactless transaction device reader with a computing system. According to one embodiment, a system for conducting a transaction on a personal computing system using a contactless transaction device may include a communications interface operable to connect with a network, a memory, a contactless transaction device reader operable to communicate wirelessly with a contactless transaction device, and a processor in communication with the memory, the communications interface, and the contactless transaction device reader. The processor may be operable to cause the contactless transaction device reader to read information from the contactless transaction device, to verify that the user's authority, to provide transaction information, based at least in part on the information read from the contactless transaction device, when conducting a transaction, and to transmit at least a portion of the transaction information to an entity. | 05-06-2010 |
| 20100102966 | Devices and Methods for Protecting a Packaged Radio Frequency Identification Device from Electronic Reading - Devices and methods for protecting a radio frequency identification (RFID) device from electronic reading prior to the sale of the RFID device where a package includes an upper layer comprising a radio frequency shielding material covering at least the upper and side portions of an RFID device. The package also includes a lower layer covering the lower portion of the RFID device, where the lower layer is connected to the upper layer. The package also includes a tamper indicator that provides a physical indication of when the package has been at least partially opened or damaged. The package may be composed of plastic sheeting incorporated with radio frequency shielding material, such as a ferrous material, and in some embodiments may include a plastic film envelope incorporated with radio frequency shielding material encasing the RFID device. | 04-29-2010 |
| 20100102131 | Systems and Methods for Disabling a Contactless Transaction Device - Certain embodiments of the invention can provide systems and methods for disabling a contactless transaction device. In one example embodiment, a contactless transaction device operable to facilitate an electronic transaction is provided. The device may include a body, a microchip integrated with the body, and an antenna integrated with the body and in communication with the microchip. The body may include destruction indicia to indicate at least one position on the body to receive a force to disable use of the contactless transaction device for facilitating an electronic transaction. | 04-29-2010 |
| 20100102123 | Systems, Methods, and Apparatus for Facilitating Access to Medical Information - Embodiments of the invention may relate to systems, methods, and apparatus for facilitating access to medical information. In one embodiment, a method of facilitating access to medical data stored on a contactless transaction device may include transmitting to a contactless transaction device a transaction request comprising either a consumer account transaction type or a medical information transaction type. If the transaction request comprises the consumer account transaction type, the consumer account data may be received from the contactless transaction device, responsive to a determination that the transaction terminal is authorized to receive data associated with the transaction request type. If the transaction request comprises the medical information transaction type, the medical data may be received from the contactless transaction device, responsive to a determination that the transaction terminal is authorized to receive data associated with the transaction request type. | 04-29-2010 |
| 20100102122 | Systems, Methods, and Apparatus to Facilitate Locating a User of a Transaction Device - Embodiments of the invention may relate to systems, methods, and apparatus to facilitate locating a user of a transaction device. In one embodiment, a contactless transaction device for facilitating locating the user can be provided. The contactless transaction device may include an antenna operable to electromagnetically receive and transmit data. The contactless transaction device may also include a microchip comprising a memory operable to store consumer account data and location alert data and in communication with the antenna, wherein the microchip is operable to transmit the location alert data to a transaction terminal via the antenna when the contactless transaction device is presented to facilitate a transaction with the transaction terminal. | 04-29-2010 |
| 20100100478 | METHOD AND SYSTEM FOR TRANSFERRING STORED VALUE - A method and system are provided for transferring value from a value provider. A request initiated by a value owner to transfer value from the value provider to a recipient is received. An exchange provider receives the value in accordance with the request. The exchange provider includes a processor that converts the received value into a converted form. The converted value is then transmitted to the recipient by the exchange provider. | 04-22-2010 |
| 20100088206 | METHODS AND SYSTEMS FOR BUSINESS-TO-BUSINESS ELECTRONIC PAYMENT PROCESSING - Embodiments presented herein address the shortcomings and problems discussed above by providing systems and methods for a central system that conducts business-to-business (B2B) payments. In embodiments, a B2B gateway receives payment instructions from one or more buyers. The payment instructions may be received over one of several different systems, for example, a credit card association system or an electronic invoice presentment and payment (EIPP) system. The B2B gateway organizes the payment instructions according to the supplier being paid and the payment system that will be used for the payment. The payment systems may include, but are not limited to, credit card platforms, ACH payments, mailed checks, etc. The suppliers can receive two or more payments from two or more buyers through the B2B gateway. | 04-08-2010 |
| 20100059583 | DOUBLE POSTCARD - A double postcard mailer has personal information on an interior face, which is concealed by a panel. The panel is affixed to the interior face with adhesive, except at a flap having a tab extending form the panel. The panel can be removed to reveal the personal information by pulling the tab and separating the panel from the interior face. In some embodiments, the panel is perforated and the panel tears at the perforations in order to remove a portion of the panel and reveal the information. In other embodiments, the flap is affixed to an opposing interior face, so that as the double postcard is opened, portions of the panel are removed by staying attached to the opposing interior face. | 03-11-2010 |
| 20100057624 | CAR WALLET APPLICATION - Embodiments of the disclosure generally relate to systems and methods for processing electronic payments for retail services and goods delivered by a retail establishment. In embodiments, a mobile wallet application is installed in the automobile. The automobile wallet application can receive and/or send transaction and payment information over a near field communication system to a retailer and on to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the automobile wallet application. If authorized, the retailer provides the retail good or service. | 03-04-2010 |
| 20100051704 | SYSTEMS AND METHODS FOR IMPLEMENTING A PRESENTATION INSTRUMENT BOOKMARK - The invention provides various systems and methods for implementing a presentation instrument bookmark. The presentation instrument may include a first panel. The first panel may include an account identifying device configured to identify an account associated with the presentation instrument. The presentation instrument may also include a second panel sandwiched with the first panel. The second panel may include a thumb hole cutout configured to allow the presentation instrument to be used as a bookmark. | 03-04-2010 |
| 20100051685 | ENABLING CONSUMER CHOICE ON CONTACTLESS TRANSACTIONS WHEN USING A DUAL-BRANDED PAYMENT INSTRUMENT - The embodiments presented herein provide for systems and methods for allowing different types of transactions, e.g., credit or debit transactions, over different payment networks, e.g., Visa or STAR networks, using contactless payment devices. In embodiments, a merchant and/or consumer can select if he or she wants a debit or credit transaction. The merchant point-of-sale (POS) device can process these choices and transmit the request to the contactless payment device. In embodiments, the contactless payment device includes two or more applications (one for credit transactions and one for debit transactions) for conducting transactions and transmitting the requested information to the merchant POS device. The merchant POS device can then use the information received from the contactless payment device to complete the transaction over the requested network. | 03-04-2010 |
| 20100049807 | SECURING OUTBOUND MAIL - Methods, systems, and machine-readable media are disclosed for client-based filtering of email content. According to one embodiment, a method for providing client-based filtering of email content can comprise detecting an outbound email with a filter implemented on an email client application. A determination can be made with the filter whether the outbound email is addressed to a recipient outside of an organization. In response to determining the outbound email is addressed to a recipient outside of the organization, a determination can be made with the filter whether to allow the email to be sent. Determining whether to allow the email to be sent can comprise scanning the content of the email, and/or any attachments, and determining whether the content of the email contains protected information. | 02-25-2010 |
| 20100049599 | FILTERING MOBILE MARKETING OFFERS - Methods, systems, and machine-readable media are disclosed for filtering marketing messages sent to a mobile device. According to one embodiment, a method for filtering marketing messages sent to a mobile device can comprise receiving preference information from a user of the mobile device, the preference information indicating marketing offers the user considers to be relevant and generating one or more rules based on the preference information, the one or more rules defining conditions for marketing offers to be sent to the mobile device. The method can further comprise receiving marketing information related to at least one marketing offer, applying the one or more rules to the marketing information, and sending the marketing offer to the mobile device based on applying the one or more rules to the marketing information. | 02-25-2010 |
| 20100048226 | MANAGING MOBILE MARKETING OFFERS - Methods, systems, and machine-readable media are disclosed for managing marketing offers sent to a mobile device. According to one embodiment, a method for managing marketing offers sent to a mobile device can comprise receiving a marketing offer at the mobile device, receiving at the mobile device an indication of how to store the marketing offer, and storing the marketing offer on the mobile device based on the received indication. Receiving the indication of how to store the marketing offer can comprise receiving the indication from the user of the mobile device or receiving the indication with the marketing offer. The indication of how to store the marketing offer can comprise an indication of a location for storing the marketing offer. The location can comprise a sub-folder of an inbox of the mobile device, a sub-container of a mobile wallet of the mobile device, or another location. | 02-25-2010 |
| 20100043055 | METHODS AND SYSTEMS FOR ONLINE FRAUD PROTECTION - This disclosure describes, generally, methods and systems for certifying user identities (IDs). The method includes receiving, from a customer, a certification request for a user ID. The method then identifies the user ID's owner and collects information about the owner. The information may include financial information, personal information, biographical information, etc. The method then analyzes the collected information to generate a risk score associated with the user ID, and based on the risk score exceeding a threshold, the method certifies the user ID. | 02-18-2010 |
| 20100042868 | SYSTEM AND METHOD FOR PROVIDING DATA SERVICES VIA A NETWORK - A method and system are provided for performing an activity. Accordingly, an activity to be performed is determined, a stored hierarchy is examined indicating a first alternate component for performing the activity first and a second alternate component for performing the activity if the first alternate component fails. The first alternate component is invoked to perform the activity, and when a failure of the first alternate component to perform the activity is detected, the second alternate component is invoked to perform the activity. A revised hierarchy is stored indicating that the second alternate component is to be invoked to perform the activity before the first alternate component is invoked to perform the activity. | 02-18-2010 |
| 20100023449 | MOBILE PAYMENT ADOPTION BY ADDING A DEDICATED PAYMENT BUTTON TO MOBILE DEVICE FORM FACTORS - Embodiments presented herein generally relate to a novel mobile device containing a near field communication (NFC) component. In embodiments, the mobile device includes a payment user interface device. The payment user interface device may be a button on a keypad or may be an icon on a user interface. In embodiments, only after activating, by depressing or selecting, the payment user interface device can allow a user to use the NFC component. In embodiments, the NFC component is powered off until the activation of the payment user interface device. | 01-28-2010 |
| 20100010964 | CUSTOMER PRE-SELECTED ELECTRONIC COUPONS - Embodiments presented herein generally relate to novel systems and methods for managing electronic coupons. In embodiments, the user uploads one or more coupons into a mobile device. While shopping, the mobile device receives communications from one or more NFC sensors/transmitters associated with one or more products in one or more product displays. The mobile device can determine from information in the communication to which product the communication applies. The mobile device can then search for one or more uploaded coupons that apply to the one or more products. In embodiments, the mobile device alerts the user when one or more of the coupons apply. | 01-14-2010 |
| 20090327067 | Systems and Methods for Distributing Incentives to Consumers to Encourage Subsequent Action - Embodiments may relate to systems and methods for distributing incentives to encourage subsequent action. In one embodiment, a method to facilitate encouraging consumer behavior can be provided. The method may include electronically identifying a consumer to be a recipient of an incentive device by a marketing system, wherein the incentive device is associated with a marketing campaign defining at least one predefined activity to be performed by the consumer prior to activating the incentive device, and wherein the incentive device has inherent value that is available for redemption upon activation. The method may further include storing consumer data associating the consumer with the incentive device in the marketing system. In addition, the method may include distributing the incentive device to the consumer in an inactivated state, and electronically activating the incentive device only upon receipt of an indication that the consumer has satisfied the at least one predefined activity. | 12-31-2009 |
| 20090307119 | CHECK TRANSMISSION INFORMATION NOTIFICATION SYSTEM FOR FRAUD PREVENTION - A fraud detection system can be implemented by a check processor and a financial institution. The check processor can notify the financial institution proximate to the time a check is submitted to a merchant. The financial institution can then assess whether the check is suspicious and, if suspicious, contact the account holder to confirm that the account holder actually wrote the check. The financial institution can make direct contact with the account holder to confirm that the account holder is aware of the check writing activity. | 12-10-2009 |
| 20090299864 | SYSTEMS AND METHODS OF PAYMENT ACCOUNT ACTIVATION - Systems and methods are provided for activating a payment account. The payment account is associated with two identifiers. A payment instrument is provided as having the two identifiers. A first identifier is read at a first point of sale device to activate the payment account. A second identifier is read by a radio frequency identification reader at a second point of sale device to access funds in the payment account. The first point of sale device may not be capable of reading the second identifier. | 12-03-2009 |
| 20090265228 | POINT OF SALE COUPON SYSTEMS AND METHODS - Systems and methods of offering incentives such as electronic coupons at a point of sale. Transaction information gathered at a point of sale system is received at a host computer. The transaction information relates to a transaction performed by a consumer at a merchant, and includes a consumer account identifier identifying an account from which payment is to be made for the transaction, and includes a merchant identifier identifying the merchant. Using the host computer, it is recognized that the combination of merchant and consumer account identifiers qualifies for an incentive offer. The host computer transmits a description of the incentive offer to be offered to the consumer at the point of sale, and receives an indication that the consumer has accepted the offer. In a database maintained by the host computer, an indication is recorded that the offer is pending for the combination of consumer account and merchant identifiers. | 10-22-2009 |
| 20090254480 | SYSTEM AND METHOD FOR PREVENTING GIFT FRAUD - A gift card uses a fraud code stored on a magnetic stripe of the card to prevent fraudulent transactions. When the gift card is purchased at a POS terminal at a merchant location, a gift card account number stored on the magnetic stripe is read, and sent to a gift card system. The gift card system activates the card and generates the fraud code and returns it to the POS terminal, where a card encoder writes the fraud code onto the magnetic stripe. When the gift card is used to conduct a transaction, the transaction is permitted only if a valid fraud code is stored on the magnetic stripe. | 10-08-2009 |
| 20090254428 | SYSTEMS AND METHODS FOR DELIVERING ADVERTISING CONTENT TO POINT OF SALE DEVICES - According to the invention, a system for delivering content to a user is disclosed. The system may include a point of sale device, a wide area network, and a payment processing system. The point of sale device may be configured to receive information regarding a transaction, and communicate content to the user. The wide area network may be in communication with the point of sale device. The payment processing system may be in communication with the wide area network, and may be configured to receive the information regarding the transaction, determine advertising content based at least in part on the information, and transmit the determined advertising content to the point of sale device. | 10-08-2009 |
| 20090248483 | METHODS AND SYSTEMS FOR DYNAMICALLY GENERATING COUPONS ASSOCIATED WITH PRESENTATION INSTRUMENTS - This disclosure describes, generally, methods and systems for dynamically generating coupons. The method may include associating a coupon value with a manufacturer's offer onto a presentation instrument. The presentation instrument may include a barcode to store terms of the manufacturer's offer and a storage device to store coupon value information. The method may further include distributing the presentation instrument to a customer, scanning the barcode to verify the terms of the offer have been fulfilled, and presenting the presentation instrument to a merchant to access the coupon value information stored on the storage device. Furthermore, the method includes receiving funds in the amount of the coupon value from the manufacturer, and transferring the received funds to the merchant. | 10-01-2009 |
| 20090240619 | MULTI-NATIONAL GIFT CARD SETTLEMENT - Systems and methods for settling stored value account transactions between merchants in countries that use different currencies. A host computer system receives transaction data resulting from a number of stored value account transactions performed at a number of merchants. The merchants are grouped into separate entities with separate accounting systems, and at least one entity operates in a different country than another entity. The transactions include any combination of origination transactions, redemption transactions, and reload transactions, and the transaction data includes for each redemption and reload transaction a transaction amount, locations in which the transaction occurred and the account was originated and the base currency of the account and the currency in which the transaction is performed. Periodically, accounts are settled between the entities in each country using a central country bank account in each country, and periodically accounts are settled between pairs of central country bank accounts. | 09-24-2009 |
| 20090240592 | ELECTRONIC NETWORK ACCESS DEVICE - Methods and systems are described for processing transactions. The methods and systems enable a consumer to present a customer identifier, such as a merchant loyalty or membership card or other identifier as a payment device at a point of sale. In one implementation, a personal account number is generated by appending a proprietary routing code to a customer registration account number so that the personal account number is formatted for transmission as a payment device number over an electronic funds transfer network. In another implementation, the customer registration account number comprises the proprietary routing code. A preferred payment account identifier is accessed, based on the personal account number, from a database base, and a transaction approval message is constructed comprising the preferred payment account identifier. The account from which payment is made may be a credit account, a demand deposit account, a stored value account, or another kind of account. | 09-24-2009 |
| 20090240579 | CUSTOMER LOYALTY PROGRAM WITH SHARED DATA AND SUB-PROGRAMS - Embodiments of the present disclosure provide systems and methods for increasing participation in loyalty programs. In embodiments, the customer opts into a loyalty program. The customer is then provided with information about his or her loyalty participation and also is provided with information about one or more other customer's participation in the loyalty program. In another embodiment, one or more loyalty members can form their own competition or group within the loyalty program. The members can create loyalty sub-program rules for a competition and allow fellow loyalty members to participate in the competition. The customizable loyalty sub-program competitions further enhance member participation. | 09-24-2009 |
| 20090240512 | EMERGENCY CARD REPLACEMENT - A method for providing a presentation instrument includes printing shipping information on a shipping indicator associated with the presentation instrument. The shipping information includes a shipping destination address and a tracking indicium. The presentation instrument and the shipping indicator are inserted into an envelope that has a first clear window such that the shipping destination address and tracking indicium show through the clear window. The envelope is then inserted into a shipping container that has a second clear window, such that the shipping destination address and tracking indicium also show through the second clear window. A system for providing the presentation instrument includes a personalization machine that personalizes the presentation instrument, a printer that prints the shipping indicator, a first inserter that inserts the presentation instrument and shipping indicator into an envelope, a second inserter that inserts the envelope into a shipping container, and a controller. | 09-24-2009 |
| 20090236407 | REPLACEMENT CARD PACKAGING - A package for distributing a presentation instrument includes a shipping indicator comprising a shipping destination address and an envelope that has a first substantially clear window and contains the presentation instrument and the shipping indicator. The shipping destination address is visible through the first substantially clear window. The package also includes a shipping container that has a second substantially clear window and contains the envelope. The shipping destination address is visible through the second substantially clear window. A method for assembling a package for a presentation instrument includes providing the presentation instrument, a shipping indicator, an envelope, and a shipping container. The presentation instrument and the shipping indicator are inserted into the envelope and the envelope is inserted into the shipping container. The shipping destination address is visible through the first and second substantially clear windows. | 09-24-2009 |
| 20090235618 | SYSTEM AND METHOD FOR CARD REPLACEMENT - A system for assembling a shipping package includes a feeder feeding an envelope from a supply of envelopes and a transport mechanism that transports a shipping container from a supply of shipping containers and places the shipping container in position for the feeder to insert the envelope into the shipping container. The envelope contains a replacement presentation instrument and a shipping indicator, and the shipping indicator includes a shipping address visible through a first substantially clear window in the envelope. Each shipping container has a second substantially clear window, and when the envelope has been inserted into the shipping container, the shipping address is visible through the second substantially clear window. | 09-24-2009 |
| 20090215394 | WIRELESS TRANSLATION DEVICE - A translator for translating wireless communications. The translator includes a first antenna configured to carry signals between the wireless translator and a contactless payment reader, and a second antenna configured to carry signals between the wireless translator and a Bluetooth-enabled device. Circuitry operably coupled to both antennas establishes wireless communication with the contactless payment reader via the first antenna and receives from the contactless payment reader a signal comprising a request for information. The circuitry establishes wireless communication with the Bluetooth-enabled device via the second antenna, and requests the information from the Bluetooth-enabled device. The circuitry receives the information from the Bluetooth-enabled device, and relays the information to the contactless payment reader. | 08-27-2009 |
| 20090210308 | SECURE AUTHORIZATION OF CONTACTLESS TRANSACTION - Methods, systems, and machine-readable media are disclosed for securely authorizing a financial transaction utilizing an electronic payment credential. According to one embodiment, a method of authorizing a financial transaction utilizing an electronic payment credential can comprise maintaining information identifying an account associated with the electronic payment credential. The information can also identify one or more electronic devices authorized to use the electronic payment credential. A request to authorize the transaction can be received. The request can include information identifying an electronic device presenting the payment credential. The transaction can be authorized based at least in part on the information identifying the account. Authorizing can comprise determining the electronic device presenting the payment credential is one of the electronic devices authorized to use the electronic payment credential. | 08-20-2009 |
| 20090204503 | METHODS AND SYSTEMS FOR ESTABLISHING INVESTMENT ACCOUNTS ASSOCIATED WITH PRESENTATION INSTRUMENTS - This disclosure describes, generally, methods and systems for establishing an investment account associated with a presentation instrument. In one embodiment, the method includes providing a presentation instrument with an associated account identifier. The method further includes establishing an investment account with an associated account identifier. The method associates the presentation instrument with the investment account using the presentation instrument's account identifier and the investment account's account identifier, and loads funds onto the presentation instrument using the associated account identifier. Further, the method assigns the funds to the investment account based on the association of the presentation instrument with the investment account. | 08-13-2009 |
| 20090200371 | ONETIME PASSWORDS FOR SMART CHIP CARDS - A financial transaction card is provided according to various embodiments described herein. The financial transaction card includes a card body with at least a front surface and a back surface. The financial transaction card may also include a near field communications transponder and/or a magnetic stripe, as well as a digital display configured to display alphanumeric characters on the front surface of the card body. The financial transaction card may also include a processor that is communicatively coupled with the near field communications transponder or magnetic stripe and the digital display. The processor may be configured to calculate one-time passwords and communicate the one-time passwords to both the near filed communications transponder or magnetic stripe and the digital display. | 08-13-2009 |
| 20090198587 | METHOD AND SYSTEM FOR AUTHENTICATING CUSTOMER IDENTITIES - This disclosure describes, generally, methods and systems for authenticating the identities of customers. For example, a method comprising receiving a service request from a customer and retrieving customer profile information related to the customer is described. The method further comprises generating questions based on the customer profile information and receiving answers to the questions from the customer. Furthermore, the method comprises analyzing the answers by comparing the answers with the customer profile information and calculating an authentication score based on the analysis of the answers. The method further authenticates the customer based on the authentication score being greater than a threshold score level. | 08-06-2009 |
| 20090181644 | SYSTEM AND METHOD FOR ACTIVATING TELEPHONE-BASED PAYMENT INSTRUMENT - A payment instrument in the form of a cell phone is loaded with account information and activated as a payment instrument by reading account information from a nearby RFID device, and entering a user PIN or password. In one embodiment, the account information is read from an RFID tag provided to the user, and the password is entered on the phone keypad. In a second embodiment, the account information is read from an RFID device at an ATM or kiosk after the user inserts a card into a card reader at the ATM or kiosk and enters the password at the ATM or kiosk keypad. | 07-16-2009 |
| 20090179744 | RADIO-FREQUENCY-DEVICE PERSONALIZATION - Radio-frequency devices that have internal radio-frequency chips are personalized. A radio-frequency device is inserted into a package. An identifier is read electromagnetically from the radio-frequency chip with a radio-frequency transceiver while the radio-frequency device is within the package. Personalization information is written electromagnetically onto the radio-frequency chip while the radio-frequency device is within the package. An association between the personalization information and the identifier is recorded on a storage device. | 07-16-2009 |
| 20090178120 | ELECTRONIC VERIFICATION SERVICE SYSTEMS AND METHODS - Systems and methods for authenticating an applicant. In one implementation, the applicant indicates to an acquirer an existing account for which the applicant wishes to be authenticated. The acquirer sends a message over an electronic funds transfer (EFT) network to an issuer of the account requesting a set of questions to ask the applicant. The issuer replies with a set of questions. The acquirer asks the applicant the questions, and forwards the applicant's answers to the issuer. The issuer compares the answers with known information relating to the account and decides, based on the comparison, whether the applicant is authenticated. The issuer then communicates its decision to the acquirer. Preferably, the messages and their associated replies are added to the set of messages handled by the EFT network, so that authentication may be handled in a standardized way without proliferating applicants' secret information. | 07-09-2009 |
| 20090177552 | Pre-Paid Activation and Replenishment on a Point-of-Sale Device - A system and method for processing prepaid financial transactions. The system and method describe the utilization of one or more remote terminals that are adapted to acquire transaction information from a user and transmit a first signal indicative of the transaction information. The remote terminal is further adapted to receive a second signal indicative of authorizing information that is delivered to the user. In addition, an authorizing host is adapted to receive the first signal transmitted by the one or more remote terminals. In one aspect, the authorizing host routes the first signal including the transaction information to an exchange host for approval of the financial transaction, and the exchange host transmits the second signal including the authorizing information to the remote terminal via the authorizing host. | 07-09-2009 |
| 20090171827 | AUTHENTICATED THIRD-PARTY CHECK CASHING - Tools for facilitating the process of providing presentation instrument redemption services, including without limitation tools that implement techniques for authenticating the identity of a check cashing customer through the use of biometric data that is derived from one or more biometric characteristics of the customer. The tools can be used to enroll the customer in a check cashing program, using biometric data as an authentication key. Thereafter, when the customer attempts to redeem a presentation instrument, the customer can provide the same biometric data, and the tools can authenticate the identity of the customer based one the biometric data. The tools can implement additional risk-prevention measures, such as risk-profiling routines, which can be used to estimate the risk of a fraudulent transaction, based on a variety of risk factors associated with the customer and/or the requested transaction. | 07-02-2009 |
| 20090171800 | SYSTEMS AND METHODS FOR GENERATING RECEIPTS - Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that facilitate processing of AR checks. Such functions may include improved user interface, an ability to handle a repetitive input parameter, an ability to handle multiple merchant identifiers, an ability to generate multiple receipt types, an ability to edit check transactions, an ability to manage throughput of the device, and an ability to allow scanning of different types of checks so as to allow subsequent processing of the scanned checks to be different based on the type of the check. The location-base device configured in one or more of the foregoing manner facilitates a check authorization process performed by a check processing service. | 07-02-2009 |
| 20090171795 | PERSONAL CHECK ACCEPTANCE SYSTEMS AND METHODS - Tools for facilitating the acceptance of personal checks and other presentation instruments. The tools, in some aspects, allow for preauthorization of a personal check (or other presentation instrument) prior to the merchant receiving the actual check, allowing a merchant, for example, to accept an order by phone, obtain details about the check that will be used to pay for the order, obtain preauthorization to accept the check, and arrange for delivery of the order. Upon delivering the order, the merchant can receive the check, and then obtain a full authorization to accept the check. The full authorization can be based primarily on the preauthorization, giving the merchant assurance that the check will in fact be authorized. In some cases, the tools of the invention also settle the check; in a particular aspect, the check can be settled without requiring the merchant to deposit the check. | 07-02-2009 |
| 20090164365 | SYSTEMS AND METHODS FOR PERFORMING A SIMPLIFIED RISK ASSESSMENT - Systems and methods for performing a simplified risk assessment are provided. A historical transaction value for past transactions associated with related promissory payments is maintained. A request is received from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment. The historical transaction value associated with the related promissory payments is accessed and determination, based on the historical transaction value, of whether to authorize the financial transaction based on a risk score or whether to authorize the financial transaction based on data stored in a negative database is made. | 06-25-2009 |
| 20090164357 | WIRELESS COMMUNICATION DEVICE ACCOUNT PAYMENT NOTIFICATION SYSTEMS AND METHODS - Systems and methods are provided for notifying a wireless communication device user regarding an account payment. One method comprises dialing a phone number of a wireless communication device, preferably a cell phone. A communication relating to an account payment that includes a balance due is then transmitted or delivered to a wireless communication device user. Optionally, at the same time or a later time, input from the wireless communication device user may be received regarding payment of the balance due. Such notification methods may be carried out by a host computer system which has a record of when the account payment is due and dials and transmits within a predetermined time frame. Generally, such methods will further comprise pre-registering or enrolling the wireless communication device user. | 06-25-2009 |
| 20090158029 | MANUFACTURING UNIQUE DEVICES THAT GENERATE DIGITAL SIGNATURES - A method of manufacturing devices that generate digital signatures such that each device may be reliably and uniquely identified includes creating a public-private key pair within each device during manufacture; exporting only the public key from the device; retaining the private key within the device against the possibility of divulgement thereof by the device; and securely linking said exported public key with other information within the environment of the manufacture of the device, whereby each device is securely bound with its respective public key. A database of PuK-linked account information of users is maintained. The PuK-linked account information for each user includes a public key of such a device; information securely linked with the public key during manufacture; and third-party account identifiers, each of which identifies an account to a third-party of the user maintained with the third-party that has been associated with the user's public key by the third-party. | 06-18-2009 |
| 20090150320 | MULTI-MODULE AUTHENTICATION PLATFORM - Embodiments of the disclosure generally relate to systems and methods for authenticating users of an entity system. In embodiments, an authentication platform receives a request for authentication. The authentication platform interacts with one of several authentication modules to authenticate the user. Each authentication module may use different information or procedures to authenticate the user. If authenticated, the user is allowed access to the system. Having access to two or more authentication modules allows the authentication platform to provide automatically a more robust authentication and alleviates the entity system from needing to integrate the several authentication modules. | 06-11-2009 |
| 20090145958 | SYSTEMS AND METHODS FOR CONFIGURING A POINT-OF-SALE SYSTEM - Among other things, the present invention provides a variety of systems and methods for configuring and/or providing a configurable point-of-sale system. Various methods of the present invention include providing a point-of-sale device and coupling it to a communication network. One or more transaction systems are accessible to the point-of-sale device via the transaction network, instructions are loaded to the memory of the point-of-sale device allowing it to access the transaction system. Various systems include a plurality of point-of-sale devices communicably coupled to various transaction systems via a communication network. The point-of-sale devices can be configurable to access one or more of the various transaction systems. | 06-11-2009 |
| 20090145818 | Mail Processing System And Method - A mail processing system includes a plurality of trays that are each adapted to hold a plurality of mail items. The mail items in a tray are directed to a common recipient. The system also includes a plurality of mail processing machines that are adapted to process the mail items. The different mail items may take different processing paths through the plurality of mail processing machines. The system also includes a tray tag generator that is configured to produce tray tags. Each of the plurality of trays is associated with a tray tag and each tray tag includes recipient information identifying processing requirements relating to the recipient of the mail items in the tray associated with the tray tag. | 06-11-2009 |
| 20090138399 | PIN-LESS ATM PROCESSING SYSTEM - A system and method are provided for processing transactions across an ATM network without requiring the use of a PIN or a signature. The transactions can be aggregated to allow multiple purchases to be processed in a single transaction. | 05-28-2009 |
| 20090138255 | CUSTOMER FACING DEVICE HAVING LANGUAGE TRANSLATION CAPABILITIES - This disclosure describes, generally, methods and systems for providing a customer facing device (CFD) with language translation capabilities. The method may include receiving a card swipe from a presentation instrument for a financial transaction at the CFD. The method may further extract location information from the presentation instrument (or other identification instrument) and, based on the extracted location information, determine a home language associated with the presentation instrument. Further, the method may present information displayed on the CFD in the home language. | 05-28-2009 |
| 20090132315 | CREDIT CARD TRANSACTION TRACKING SYSTEMS AND METHODS - A method of monitoring financial transactions includes periodically receiving a list of target account identifiers at a processing server and periodically transmitting the list to each of a plurality of platform servers. The platform servers are each configured to receive transaction information that includes transaction records of financial transactions. The transaction records include account identifiers used in the transactions. The platform servers are configured to search the transaction information for transaction records having a target account identifier from the list. The method also includes receiving at the processing server an alert that the platform server has identified a transaction record having a target account identifier. The alert including transaction data from the transaction record. The method further includes transmitting from the processing server a notification based on the alert that a target account identifier has been identified in a transaction record. Analogous systems are also provided. | 05-21-2009 |
| 20090125458 | AUCTION SYSTEMS AND METHODS FOR SELECTING INSERTS FOR DIRECT MAILINGS - A method of allocating excess space associated with a primary component includes determining the excess space associated with the primary component, identifying at least one information insert compatible with the excess space, providing an output advertising the excess space, and receiving a request in response to the output. The request may be based at least in part on the at least one information insert. The method also includes associating the at least one information insert with the primary component. | 05-14-2009 |
| 20090121012 | ACCESSING FINANCIAL ACCOUNTS WITH 3D BAR CODE - A three dimensional (3d) bar code can be affixed to a financial instrument (e.g., the credit card) sent to a consumer. Upon receiving the financial instrument, the consumer can acquire an image of the 3D bar code with an image capture device (e.g., a camera) of a mobile device. The mobile device can interpret or decode the 3D bar code to extract a web address. The mobile device may then send a request for a web page associated with the web address, which could be returned by the web server at the financial institution. The web page may allow the consumer to enter personal information. Upon receiving the personal information, the financial institution can verify the information, authenticate the consumer, and activate the financial account. | 05-14-2009 |
| 20090112765 | SYSTEM AND METHOD FOR VALIDATION OF TRANSACTIONS - A financial institution may flag suspicious transactions that are conducted using an NFC-enabled mobile phone. The account holder establishes a second PIN that is separate from the primary PIN used by the customer to authenticate transactions. When a transaction is flagged, a message is sent to the customer at the mobile phone requesting entry of the second PIN. If the second PIN is not correctly entered, activity on the account is suspended. | 04-30-2009 |
| 20090112684 | Integrated Service Discovery Systems And Methods - A method of providing content to users includes, at a host computer, receiving a user-initiated request for the content. The request relates to specific service discovery-enabled media and the request includes an identifier. The method also includes using the identifier to locate the content, and providing the content to the user. The method also includes receiving at the host computer one of a user-initiated request to settle a transaction using a previously-identified account, a request to credit a purchase to a previously-identified loyalty program account, and a request to purchase an item from a specific merchant. The method also includes taking an action consistent with the second-listed receiving step. | 04-30-2009 |
| 20090112643 | PROCESSING SYSTEM FOR ACQUIRING AND REPORTING COMPLIANCE WITH DATA SECURITY REQUIREMENTS - Methods, systems, and machine-readable media are disclosed for tracking and reporting information related to compliance with a set of security requirements by one or more entities handling financial transaction information. According to one embodiment, a system can comprise one or more acquirer systems, each adapted to process information related to a plurality of financial transactions for entities involved in the transaction. A tracking and reporting system can be communicatively coupled with each of the acquirer systems. The tracking and reporting system can be adapted to collect at least a subset of the information related to the plurality of financial transactions, collect compliance information related to the entities involved in the transaction, the compliance information for each entity indicating that entity's compliance with the set of security requirements, and generate one or more reports based on the information related to the plurality of financial transactions and the compliance information. | 04-30-2009 |
| 20090106160 | AUTHORIZATIONS FOR MOBILE CONTACTLESS PAYMENT TRANSACTIONS - Embodiments generally relate to systems and methods for processing electronic payments for retail services and goods delivered by unattended retail device. In embodiments, an unattended retail device leverages a consumer's mobile appliance to send the transaction and payment information to an authorizing authority. The authorizing authority receives the payment and transaction information, authorizes or declines the payment of the transaction, and forwards the authorization or declination to the mobile appliance. The mobile appliance then sends the authorization or declination to the unattended retail device. If authorized, the unattended retail device provides the retail good or service. | 04-23-2009 |
| 20090106134 | APPLICANT AUTHENTICATION - A method of authenticating an applicant. A history is obtained of transactions performed on an account held by the applicant and for which the applicant has been previously authenticated. The transaction history includes information about each transaction. The applicant is asked one or more questions relating to the information in the history. Answers to the one or more questions are received from the applicant, and a decision is made based on the received answers and the transaction history whether the applicant is authenticated. The applicant may be applying for enrollment in a service, and enrollment may be accepted or declined based on whether the applicant is authenticated. The account may relate to a payment instrument, and the authentication may be performed by an entity other than the issuer of the payment instrument. | 04-23-2009 |
| 20090104888 | Onetime Passwords For Mobile Wallets - A mobile wallet and network system using onetime passwords for authentication is disclosed according to one embodiment of the invention. A onetime password may be generated at a mobile wallet server and transmitted to the mobile device. The onetime password may then be used to authenticate the user of the mobile wallet when completing a transaction. Authentication may require entry of the onetime password and confirmation that the onetime password entered matches the onetime password sent by the mobile wallet server. In other embodiments of the invention, a mobile wallet and a mobile wallet server are in sync and each generate the same onetime password at the same time. These onetime passwords may then be used to authenticate the user of the mobile wallet. | 04-23-2009 |
| 20090101720 | MANUFACTURING SYSTEM TO PRODUCE CONTACTLESS DEVICES WITH SWITCHES - A contactless device comprises circuitry storing information, a switch having a first position and a second position, and a fusible link. When the fusible link is intact, wireless reading and writing of the information is enabled regardless of the position of the switch. When the fusible link has been parted, wireless reading of the information is enabled when the switch is in the first position, and wireless reading of the information is disabled when the switch is in the second position. The contactless device may be placed in a non-responsive state, and transformed to a responsive state by parting a second fusible link, or by transmitting an authenticating code to the device. The contactless device may be a card, or some other kind of device. | 04-23-2009 |
| 20090094155 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 04-09-2009 |
| 20090094149 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 04-09-2009 |
| 20090094134 | SYSTEMS AND METHODS FOR STORED-VALUE EXCHANGE WITHIN SOCIAL NETWORKING ENVIRONMENTS - An electronic social networking environment enables the transfer of stored value between users of the environment. A transfer may be in the form of a gift from one user to another. The stored value may represent actual currency or virtual currency. The stored value may be redeemed within or outside the electronic social networking environment, and may be redeemed with one or more merchants. The stored value may be redeemed for a physical item or service or for a virtual item or service. | 04-09-2009 |
| 20090089210 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 04-02-2009 |
| 20090088202 | Service Discovery Via Mobile Imaging Systems And Methods - A method of receiving content associated with media includes using a mobile device to acquire an image from media. The image has corresponding content. The method also includes using the mobile device to process the image to thereby produce the content and displaying at least a portion of the content on a display of the mobile device. | 04-02-2009 |
| 20090078758 | SYSTEMS AND METHODS FOR CARDLESS TRANSACTIONS USING A TELEPHONE NUMBER - This disclosure describes, generally, methods and systems for performing cardless financial transactions using a telephone number. The method may include registering a customer's telephone number with a financial account of the customer based at least in part on verification of the customer's identity and prompting the customer to enter into a cardless transaction. The method may further include receiving the entered telephone number and personal identification number (PIN). The method may further verify the entered telephone number by comparing it to the registered telephone number, and in response to verification of the entered telephone number, retrieve account information for the financial account. The method may further include verifying the entered PIN by comparing it to a corresponding PIN associated with the financial account, and granting access to the financial account based on verification of the entered telephone number and PIN. | 03-26-2009 |
| 20090076953 | ATM/Debit Expedited Bill Payments - Methods and systems for paying a bill over a financial network are provided. Embodiments of the invention include receiving a payment request at an initiator from a consumer. The payment request may be sent to a financial network. Biller routing information for the biller specified in the payment request is determined at the financial network, at the initiator or at a payment processor. The payment request may be sent to a payment processor using biller routing information. A confirmation message may then be sent to the initiator through the financial network. The initiator may then present the approval or denial message directly to the consumer while the consumer is still in the same session with the initiator. The bill may then be settled between the initiator and the payment processor when the financial network receives the confirmation message that includes an approval message. | 03-19-2009 |
| 20090076921 | POINT OF SALE DEVICE WITH CARD READER AND CHECK SCANNER - Various improved features for a point of sale (POS) device are disclosed. The POS device may have a housing, a document path, a check-voiding printer, and a door in the housing enabling access through the document path to the check-voiding printer. The POS device may have a connector and cavity in its interior, not visible from the exterior, the cavity configured to hold an accessory device connected to the connector. The POS device may comprise a read head for reading characters printed in magnetic ink on the face of a check and a biasing mechanism that has a contacting face that holds the check against the read head. The POS device may have an opening in a back wall through which a check is at least partially visible during reading. The POS device may include two microprocessor systems that control different parts of the POS device. | 03-19-2009 |
| 20090070246 | Electronic Financial Transaction Routing - Methods and systems for determining a network for settling an electronic transaction at a financial transaction processor is disclosed according to embodiments of the invention. Certain embodiments include receiving a transaction from a merchant. The transaction may includes a bank identification number (BIN) and a geographical state identifier associated the merchant. From the BIN number, the processor can determine if one or more network flags are asserted for the BIN in the network file. If a single network flag is asserted then routing the transaction through a network associated with the network flag. For example, if a state network flag is asserted then routing the transaction through the state associated with the transaction. If a network priority flag is asserted, routing the transaction through associated network. If an issuer priority flag is asserted, routing the transaction through the network associated with the issuer. | 03-12-2009 |
| 20090063339 | SYSTEM AND METHOD FOR LOADING PREPAID DEBIT CARD AT AN ATM - Money is loaded onto prepaid debit cards at ATMs (without the use of clerk-assisted POS terminals). The network for processing transactions includes a debit/credit network with a ATM Load BIN table, which includes transaction permitted (TP) data associated with each bank identification number (BIN) appearing in the card number of the prepaid cards. If a load transaction is requested, the transaction is permitted and passed by the debit/credit network to the card issuer only if the TP data reflects that such a transaction is permitted. | 03-05-2009 |
| 20090063291 | Data Element Specific Transaction Routing - Systems and methods for determining a least cost transaction scheme for a merchant is provided according to one embodiment of the invention. The least cost transaction scheme may be determined at a point of sale device or at a host computer system that communicates with a point of sale device. The least cost transaction scheme may depend on a standard industrial classification (SIC) code associated with the merchant and a transaction amount. In one embodiment the transaction amount and merchant ID is sent to a host computer system. Based on the merchant ID and the transaction amount the host computer system determines a fees for a plurality of transaction schemes. From the plurality of transaction schemes, a least cost transaction scheme is selected and a user is prompted to use the least cost transaction scheme to tender the transaction. | 03-05-2009 |
| 20090055312 | INTERNET-BASED MONEY ORDER SYSTEM - A system and method for purchasing a money order via the internet including the steps of providing an internet based money order system capable of generating money orders upon the receipt of a purchase request by a prospective buyer via the internet for a predetermined amount of funds. The prospective buyer transmits information to the money order system. via the internet, which information is required to purchase the money order. The money order is then remotely generated by the money order system and is delivered to an intended recipient of the money order. | 02-26-2009 |
| 20090055287 | INTERNET-BASED MONEY ORDER SYSTEM - A system and method for purchasing a money order via the internet including the steps of providing an internet based money order system capable of generating money orders upon the receipt of a purchase request by a prospective buyer via the internet for a predetermined amount of funds. The prospective buyer transmits information to the money order system. via the internet, which information is required to purchase the money order. The money order is then remotely generated by the money order system and is delivered to an intended recipient of the money order. | 02-26-2009 |
| 20090048974 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 02-19-2009 |
| 20090048967 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 02-19-2009 |
| 20090048916 | MOBILE SYSTEM AND METHOD FOR EXCHANGING POINT VALUE - A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS terminal. In response to receiving a customer ID from the mobile device, a loyalty server provides the monetary value of loyalty points. The customer may use the mobile device to redeem those points and have the value transferred into a financial account. A payment processing system connected to the POS terminal completes the transaction using the financial account. | 02-19-2009 |
| 20090037284 | POINT OF SALE SYSTEM WITH ABILITY TO REMOTELY UPDATE FIRMWARE - A point of sale system comprises a microprocessor system, a peripheral interface, and a communication interface. The point of sale system is configured to receive, through the communication interface, an update to peripheral operation software associated with a peripheral device that may be connected to the peripheral interface. The peripheral device may be a contactless reader. The updated software may be received from a terminal management system connected to the point of sale device through the communication interface. The updated software may comprise a peripheral driver that is stored in memory comprised in the point of sale device. The updated software may comprise peripheral firmware that is stored in memory comprised in the peripheral device. | 02-05-2009 |
| 20090036103 | MOBILE COMMUNICATION SYSTEMS AND METHODS FOR REDEEMING AND REPORTING COUPONS - Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices to redeem and report use of various marketing offers such as coupons. According to one embodiment, redeeming and reporting a marketing offer can comprise transmitting information related to the marketing offer from a mobile wallet of the mobile device to a target device. A redemption message can be received at the mobile wallet of the mobile device from the target device. The redemption message can indicate acceptance of the marketing offer. At least a portion of the redemption message can be sent from the mobile wallet of the mobile device to a service provider system providing communication services to the mobile device. Sending the redemption message from the mobile wallet of the mobile device to the service provider system can be performed via a wireless communications network such as a cellular network. | 02-05-2009 |
| 20090032581 | STORED VALUE CARD TRANSACTION CONTROL SYSTEMS AND METHODS - A gift card processing system which includes a database storing interval information representing a required interval between transactions using the gift card. The database also stores data representing the maximum amount of each transaction. The gift card processing system is part of a network that includes POS terminals at merchant locations, where the gift card may be presented. A card ID is read from the card at a POS terminal and used to access the interval data and the maximum transaction amount data. | 02-05-2009 |
| 20090024529 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 01-22-2009 |
| 20090024527 | MERCHANT-INITIATED ADJUSTMENTS - Tools for adjusting a debit transaction, which can allow a payee to adjust the amount of the transaction without having to provide cash back to the payor. Instead, the refund amount may be applied as a credit against the debit transaction. In an aspect, the credit may be for any amount up to the original amount of the check (less any credit already applied). Optionally, one or more security and/or anti-fraud measures may be implemented, e.g., ensuring that the check is not subject to a collection proceeding and/or ensuring that the requested credit is not more than the amount of the check itself). | 01-22-2009 |
| 20090024523 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 01-22-2009 |
| 20090024508 | METHOD AND SYSTEM FOR HANDLING METHOD LEVEL PROCESSING IN CONNECTION WITH CARDHOLDER ACCOUNT PROCESSING - A method and system are provided for automatically adjusting individual components of account processing for credit card accounts or other financial accounts based on characteristics and behavior of individual account holders. A first data store holds account data for financial accounts, including the account processing methods and associated method overrides applied to each financial account as well as account history information. A second data store holds decision rules for determining whether to apply a method override to the financial account based on the account history information. A decision engine retrieves the decision rules from the second data store and the account history information from the first data store, then determines, based on the decision rules and the account history information, whether a method override should be applied to the financial account. The decision engine then applies the method override to the financial account. | 01-22-2009 |
| 20090024499 | DISPLAYS CONTAINING FLAGGED DATA - Tools to provide visibility into a variety of financial transactions, and in particular aspects, financial transactions involving financial cards, such as debit cards and credit cards. Such tools can allow for authorized users (such as executives of card issuers, and the like) to view information about accounts that meet certain criteria. Merely by way of example, a user can select accounts that have undertaken (or attempted) a certain type of transaction and/or have had a transaction denied (such as a denial for improper PIN, exceeding withdrawal and/or spending limits, etc.) and/or view additional information about those accounts. | 01-22-2009 |
| 20090001159 | STORED VALUE CARDS AND METHODS FOR THEIR ISSUANCE - A method for issuing both a virtual card and a physical card to a cardholder comprises issuing a virtual card to a cardholder, with the virtual card comprising an identifier and an associated database record of a stored value. A physical card is also issued to the cardholder. The physical card includes an identifier that is different from the virtual card identifier, and the physical card is in an inactive state until the physical card is activated by linking of the physical card identifier to the database record of the stored value. | 01-01-2009 |
| 20090000997 | Card Stripper For Removing Cards From Card Carriers - An automated system for preparing cards for further processing includes an envelope feed hopper configured to receive a plurality of envelopes, each having contents including a card carrier and one or more cards attached thereto. The systems also includes an envelope opener configured to receive envelopes from the hopper and create an opening into each envelope. The system further includes a contents parser configured to separate a card carrier and card attached thereto from an envelope. The system also includes a card carrier alignment device configured to unfold a card carrier and align the carrier for further processing and a separation mechanism configured to receive card carriers from the alignment device and separate the card from the carrier. The system also includes a controller programmed to control operation of the system. | 01-01-2009 |
| 20080306870 | PIN-LESS ATM PROCESSING SYSTEM - A system and method are provided for processing transactions across an ATM network without requiring the use of a PIN or a signature. The transactions can be aggregated to allow multiple purchases to be processed in a single transaction. | 12-11-2008 |
| 20080306837 | PIN-LESS ATM PROCESSING SYSTEM - A system and method are provided for processing transactions across an ATM network without requiring the use of a PIN or a signature. The transactions can be aggregated to allow multiple purchases to be processed in a single transaction. | 12-11-2008 |
| 20080301047 | ATM System For Receiving Cash Deposits From Non-Networked Clients - A systems and methods for depositing foreign funds into a native account using a foreign transaction machine are disclosed according to one embodiment of the invention. A foreign transaction machine, such as an ATM, receives and financial account number associated with a financial account and determines the native currency associated with the financial account. The foreign ATM may then receive cash in a foreign currency. AN exchange rate is received from within the ATM or through a network connected to the ATM. The foreign funds are then converted according to the exchange rate into native funds. The native funds are then deposited into the financial account. In other embodiments, the transaction machine provides transaction cards with native funds in response to receiving foreign currency. | 12-04-2008 |
| 20080294554 | AUTOMATED TRANSFER WITH STORED VALUE FUND - According to the invention, a method for automatically transferring credit between a stored value fund and a handler using a wide-area computer network is disclosed. In one step, automated transfer information is received at a server computer system from the wide-area computer network that is coupled to a user associated with the stored value fund. The handler chosen by a user for an automated transfer, the direction of the automated transfer with respect to the stored value fund and an amount for the automated transfer are determined. The amount is automatically transferred between the stored value fund and the handler. | 11-27-2008 |
| 20080288392 | MERCHANT APPLICATION AND UNDERWRITING SYSTEMS AND METHODS - A method for establishing credit services with a merchant account using a computer system comprises receiving at a server computer application information on a merchant applying for a credit service. The application information is stored in a database. At the server computer, a request from a credit investigator is received to view at least some of the application information. The requested information is then sent to the credit investigator from the server computer. | 11-20-2008 |
| 20080288385 | Method and system for preventing card fraud - A method and system for preventing card fraud include obtaining card event information of a card user from a provider such as a card issuer, a merchant, a retailer, etc., during a card event between the card user and the provider. The card event information is compared with known fraudulent information stored in a database. An alert is sent to the provider if there is a match between the card event information and the known fraudulent information. | 11-20-2008 |
| 20080281753 | HANDLING OF ACH PAYMENT REJECTIONS SYSTEMS AND METHODS - Methods, systems, and machine-readable media are disclosed for processing financial transactions. According to one embodiment, a method for processing financial transactions prior to a collection of payment for the transactions can comprise receiving information related to a plurality of transactions from a party to the transactions. One or more rules can be applied to the information related to the plurality of transactions. The one or more rules can define dispositions of the payment for the transactions to provide for collection of fees associated with the transactions. Payment for the transactions can be handled based on applying the one or more rules. | 11-13-2008 |
| 20080281733 | SYSTEM AND METHOD FOR AUTHORIZING ELECTRONIC PAYMENT TRANSACTIONS - A transaction authorization system comprises an authorization engine ( | 11-13-2008 |
| 20080265039 | Protected Contactless Card - A protected contactless presentation instrument is disclosed. In one embodiment, the protected contactless presentation instrument includes an RFID chip that can be manually exposed and shielded by a user. The protected contactless presentation instrument may include a moveable tab that includes the RFID chip. The protected contactless presentation instrument may also include a moveable shield. Another embodiment of the invention provides for a contactless presentation instrument that includes an electroluminescence material. | 10-30-2008 |
| 20080265025 | Method and systems for providing merchant services with right-time creation and updating of merchant accounts - Systems and methods for providing merchant services with right-time creation and updating of merchant accounts. Merchant-specific information for each merchant is stored in a record and used to process purchase card transactions submitted by the merchant. When a user creates or updates a merchant account record, the user can indicate whether the update is to take effect immediately or at a user-specified later time. An immediate update is processed substantially without delay. Other updates are queued for later processing and processed at the user-specified later time. | 10-30-2008 |
| 20080262961 | Merchant Credit Risk Monitoring - A method of managing risk associated with processing merchant credit card transactions includes establishing a plurality of merchant processing relationships with a plurality of merchants, compiling transaction history for each of the plurality of merchants, identifying a business relationship between at least two of the plurality of merchants, based on the business relationship, associating the at least two merchants into a single processing relationship, and periodically calculating a measure of processing risk for the single processing relationship by, at least in part, combining the transaction history compiled for each of the at least two merchants. In some embodiments the method includes, based on the measure of processing risk, changing a periodic review schedule for the processing relationship. | 10-23-2008 |
| 20080262935 | METHODS AND SYSTEMS FOR COORDINATING A CHANGE IN STATUS OF STORED-VALUE CARDS - Methods and systems are provided for coordinating a change in status of a stored-value card for a customer. Transaction information is received at a host system from a point-of-sale terminal. The transaction information includes stored-value-card information identifying the stored-value card and payment-instrument information identifying a payment instrument to be used for financing the change in status of the stored-value card. The host system receives a payment authorization from a payment authority in response to a transmission of the payment-instrument information to the payment authority. The host system also receives a confirmation of the change in status of the stored-value card from a stored-value-card authority in response to a transmission of the stored-value-card information to the stored-value-card authority. The host system transmits an approval for effecting the change in status of the stored-value card to the point-of-sale terminal. | 10-23-2008 |
| 20080255947 | MOBILE COMMERCE INFRASTRUCTURE SYSTEMS AND METHODS - Methods, systems, and machine readable media are disclosed for Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a system for supporting mobile commerce applications can comprise a management and control layer. The management and control layer can be adapted to control communications to and from mobile wallet applications. The system can also have a gateway services layer communicatively coupled with the management and control layer and a plurality of content provider systems communicatively coupled with the gateway services layer. The content provider systems can be adapted to provide financial transaction content or services related to the mobile commerce functions of the mobile wallet applications via the management and control layer and gateway services layer. | 10-16-2008 |
| 20080249926 | COLLECTION AND RESERVE SYSTEMS AND METHODS - Methods, systems, and machine-readable media are disclosed for handling unfunded financial transactions. According to one embodiment, information related to a transaction can be received. One or more rules can be applied to the information related to the transaction and a determination can be made as to whether payment of the transaction is doubtful based on application of the one or more rules. Applying the one or more rules to the from a set of rules based on a source of the information related to the transaction, a type of the transaction, identity of one or more parties to the transaction, or other information related to the transaction. In response to determining that payment of the transaction is doubtful, a portion of an account receivable corresponding to the transaction can be written off. | 10-09-2008 |
| 20080243659 | ELECTRIC STATEMENT PREVIEWING SYSTEM AND METHOD - A system for preparing and delivering credit card statements to cardholders is operated by a credit card processing entity, and includes a statement processing system and a statement preview system. Statements are previewed by a card issuer after providing statement selection criteria to the preview system. After any requested corrections are made to the previewed statements, the statements have encryption and delivery options applied, and are then electronically transmitted to cardholders. | 10-02-2008 |
| 20080243627 | Presentation Instrument Display And Activation Systems And Methods - A method of validating and activating a purchase card includes providing a purchase card that is removably attached to a card carrier. The purchase card has an account identifier associated therewith and has a card indicium affixed thereto. The purchase card includes a machine-readable information encoding region into which the account identifier is encoded. The card carrier has a carrier indicium affixed thereto. The method includes populating a database with a stored card indicium that relates to the card indicium, a stored carrier indicium that relates to the carrier indicium, and a stored account identifier that relates to the account identifier, thereby uniquely coupling the account identifier to the card indicium. Activating the card by associating value to it includes comparing the information from the card indicium and the information from the carrier indicium with the stored card indicium and the stored carrier indicium | 10-02-2008 |
| 20080235122 | MASTER GIFT CARD, SYSTEMS AND METHODS - Stored value instruments and tools for their use and/or administration are disclosed. In an aspect, a stored value instrument is associated with a subaccount that has access to a portion of an amount stored value in a master account. There may be many such subaccounts associated with a master account, and each subaccount may have its own associated stored value instrument. Beneficially, this arrangement can allow a master account holder to assign a specific portion of the stored value in the master account for the use of each of the stored value instruments, while still maintaining the ability to administer the master account. | 09-25-2008 |
| 20080229289 | Bitmapped Data String Conversions - A method for converting bitmapped messages in one codeset into a message of another codesets is disclosed. In one step a bitmapped message is parsed into a bitmapped field and a data field. The binary representation of the bitmapped field is used to determine which data elements are present within the data field and the length of the data elements. The data elements may then be converted into a new codeset. | 09-18-2008 |
| 20080228565 | Centralized Discount Searching - According to the invention, a system for providing a coupon to a user is disclosed. The system may include a host computer system and a computer readable medium. The computer readable medium may include instructions for receiving a characteristic information set from a plurality of businesses, where each characteristic information set includes at least one characteristic of a business; receiving a coupon set from each of the businesses, where each coupon set includes at least one coupon for a product or service; receiving a search request from a user interface, where the search request includes a characteristic or an identifier, and where the identifier represents a product or a service; selecting a first coupon from a first coupon set based on a comparison of at least some portion of the search request and at least some portion of the characteristic information sets or coupon sets; and transmitting the first coupon. | 09-18-2008 |
| 20080223922 | MONITORING OF STORED-VALUE-INSTRUMENT USAGE - Methods and systems are disclosed of executing a financial transaction that enable enhanced usage monitoring. Funds are received from a buyer for purchase of a single-load stored-value instrument. The single-load stored-value instrument is associated with a predefined value amount. Buyer identification information that identifies the buyer is received. The buyer identification information is stored in association with the stored-value instrument. The stored-value instrument is validated for use in making purchase by drawing from value associated with the stored-value instrument. | 09-18-2008 |
| 20080222054 | METHOD FOR DEFINING A RELATIONSHIP BETWEEN AN ACCOUNT AND A GROUP - Defining a relationship between an account and a group. Accounts corresponding to different products are linked together to create a group so that group processing can be performed at the group level while independent processing of the accounts is performed at the account level. The relationship between a dependent account and the group is specified by a dependent strategy. A dependent strategy specified group level processing options for the account. The relationships between the accounts and the group are flexible to accommodate changes in the status of the group cardholders. | 09-11-2008 |
| 20080222049 | Digital Signature Authentication - A systems and methods for authenticating a consumer with a transaction card using digital signatures according to one embodiment of the invention is disclosed. These systems and methods allow consumers to digitally sign transaction information with a private key. The private key may be used to digitally sign the transaction, for example, through a hosted or local system that protects the integrity of the private key. A financial institution may authenticate the consumer by decrypting the digital signature with a public key. | 09-11-2008 |
| 20080215634 | Methods And Systems For Extracting Related Information From Flat Files - Methods and systems for extracting related information from multiple two-dimensional files are provided. The method includes comparing data contained in at least one field of each record of a first file to data in a related field of each record of a second file. A record is created in a temporary file for each occurrence of a match. The records of the temporary file contain the data from the matching records of the two files. Particular data is selected from the records of the temporary file according to user-specified conditions. The selected data is provided as output. The temporary file is thereafter deleted. In another embodiment of the invention, particular data is selected from the original files prior to inclusion in the temporary file. Associated systems are also provided. | 09-04-2008 |
| 20080215471 | SYSTEMS AND METHODS FOR PRIORITIZING RECONCILEMENT INFORMATION SEARCHES - Systems and methods are disclosed for assisting a check-cashing entity to efficiently and accurately locate relevant positive pay information or other reconcilement information regarding a check or other negotiable instrument that has been presented in association with a request to cash, deposit, use as payment or other otherwise accept the check or negotiable instrument. In various embodiments, when a plurality of potentially useful reconcilement information sources are selected for querying in association with a proposed check-cashing transaction from amongst a set of available reconcilement information sources, factors relating to the transaction, factors relating to characteristics of the information sources, and factors relating to preferences on the part of the check-cashing entity may be considered in order to select and prioritize the querying of information sources that are deemed likely to hold desired reconcilement information. | 09-04-2008 |
| 20080210753 | LOYALTY REWARD SETTLEMENT SYSTEM AND METHOD - A acquirer system used for credit card transaction processing includes a loyalty server to manage issuance of loyalty points as transactions are processed and to provide settlement features. The loyalty server uses loyalty qualifying criteria and assigned point values stored in an associated database. When points are awarded, the loyalty server records the value of the points and electronically transfers amounts from an account of a merchant to an account of the loyalty point issuer. The merchant may be multi-tiered, with the point value allotted between a central merchant organization and individual retail stores. | 09-04-2008 |
| 20080208762 | PAYMENTS USING A MOBILE COMMERCE DEVICE - Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system. According to one embodiment, a method of processing a payment transaction in a mobile commerce system can comprise receiving at a first acquirer system a communication from a point-of-sale (POS) device. The communication can be related to the payment transaction and can include information identifying a financial account from which a payment is requested. A second acquirer for authorizing the payment can be identified based on the information identifying the financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the financial account. An indication of whether the transaction is authorized can be received from the second acquirer system. | 08-28-2008 |
| 20080208759 | PROCESSING OF FINANCIAL TRANSACTIONS USING DEBIT NETWORKS - Methods and systems are disclosed for executing financial transactions between customers and merchants. An identifier of a financial account is received from the customer at a merchant system. A one-time password is also received from the customer at the merchant system, with the customer having been provided with the one-time password by a mobile electronic device or contactless presentation instrument. A cryptogram is generated to included the identifier of the financial account encrypted using the one-time password. An authorization request is formulated at the merchant system. The authorization request includes the cryptogram and transaction information describing at least a portion of the financial transaction. The authorization request is transmitted from the merchant system to an authorization processor for authorization of the financial transaction. | 08-28-2008 |
| 20080208746 | MANAGEMENT OF FINANCIAL TRANSACTIONS USING DEBIT NETWORKS - Methods and systems are disclosed of enrolling a customer to perform an action. A first piece of information is received at an authentication processor from an over-the-air processor. The first piece of information was provided to the over-the-air processor by the customer from a mobile electronic device. A second piece of information is received at the authentication processor from a server different from the over-the-air processor. The second piece of information was provided to the server by the customer. The first and second pieces of information are associated by the authentication processor to enroll the customer. | 08-28-2008 |
| 20080208744 | MOBILE COMMERCE SYSTEMS AND METHODS - Methods, systems, and machine-readable media are disclosed for utilizing mobile electronic devices in various types of financial transactions. According to one embodiment, a method of providing a plurality of mobile commerce functions can comprise receiving a communication related to a function of a mobile wallet application of a mobile device. One or more of a plurality of acquirer systems for handling of the communication can be identified based on the function of the mobile wallet application to which the communication relates. The communication can be routed to the identified one or more acquirer systems for handling of the communication. In some cases, a reply to the communication can be received from at least one of the identified one or more acquirer systems and the reply can be sent to a recipient. | 08-28-2008 |
| 20080208743 | TRANSFER OF VALUE BETWEEN MOBILE DEVICES IN A MOBILE COMMERCE SYSTEM - Methods, systems, and machine-readable media are disclosed for handling payment transactions in a mobile commerce system and initiated between mobile devices. According to one embodiment, a method of processing a payment transaction from a first mobile wallet application of a first mobile device to a second mobile wallet application of a second mobile device in a mobile commerce system can comprise receiving at a first acquirer system a communication from the first mobile device. The communication can be related to the payment transaction and can include information identifying a first financial account from which a payment is requested. A second acquirer system for authorizing the payment can be identified based on the information identifying the first financial account. The communication can be sent to the second acquirer system for authorization of the transaction based on the information related to the first financial account. | 08-28-2008 |
| 20080208742 | PROVISIONING OF A DEVICE FOR MOBILE COMMERCE - Methods, systems, and machine-readable media are disclosed for provisioning information to a mobile device in a mobile commerce system. According to one embodiment, a method of provisioning information to a mobile wallet application of a mobile device can comprise receiving at a mobile wallet server registration information for the mobile device from an acquirer system. A determination can be made based on the registration information as to whether the mobile wallet of the mobile device has been previously provisioned. In response to determining that the mobile wallet of the mobile device has not been previously provisioned, a new mobile wallet can be created for the mobile device. A notification can then be sent from the mobile wallet server to the mobile device, the notification indicating the mobile wallet is available for download. | 08-28-2008 |
| 20080208741 | ACCOUNT INFORMATION LOOKUP SYSTEMS AND METHODS IN MOBILE COMMERCE - Methods, systems, and machine-readable media are disclosed for providing account information to a mobile wallet application in a mobile commerce system. According to one embodiment, a method of providing account information for a financial account to a mobile wallet of a mobile device can comprise receiving at a mobile wallet server a request for the account information. For example, the account information can comprise an account balance. In another example, the account information can comprise an account transaction history. An account inquiry can be sent from the mobile wallet server to an acquirer system. The account information can be received at the mobile wallet server from the acquirer system and sent from the mobile wallet server to the mobile wallet of the mobile device. | 08-28-2008 |
| 20080208688 | METHODS AND SYSTEMS FOR HANDLING OF MOBILE DISCOUNT CERTIFICATES USING MOBILE DEVICES - Embodiments of the invention provide methods and systems for handling of mobile discount certificates, including integrating databases of consumer information, product information, discount certificate information, and other useful data with the ubiquitous personal communications networks accessible by the modern consumer. According to one embodiment, a method for handling mobile discount certificates can comprise enrolling a plurality of participants in a mobile discount certificate program. For example, the participants can comprise an issuer of the mobile discount certificates and a customer. A program participant profile can be built for each of the participants. One or more mobile discount certificates can be created based on the program participant profiles and can be communicated to the customer. | 08-28-2008 |
| 20080207234 | MARKETING MESSAGES IN MOBILE COMMERCE - Methods, systems, and machine-readable media are disclosed for providing marketing messages to a mobile device. According to one embodiment, a method of providing one or more marketing messages to a mobile device in a mobile commerce system can comprise receiving at a mobile wallet server a set of information from an acquirer system. The set of information can identify one or more marketing offers. One or more marketing messages can be generated by the mobile wallet server based on the set of information identifying the one or more marketing offers. For example, the marketing messages can comprise Short Message Service (SMS) messages, email messages, or other types of messages. Each of the one or more marketing messages can be sent from the mobile wallet server to one or more mobile devices. | 08-28-2008 |
| 20080207203 | ENROLLMENT AND REGISTRATION OF A DEVICE IN A MOBILE COMMERCE SYSTEM - Methods, systems, and machine-readable media are disclosed for registering a mobile device for use in a mobile commerce system. According to one embodiment, a method of registering a mobile device for use in a mobile commerce system can comprise receiving at a service provider system a registration request from a user of the mobile device. A determination can be made with the service provider system whether to allow registration of the mobile device. In response to determining to allow registration of the mobile device, the registration request can be sent from the service provider system to an acquirer system. | 08-28-2008 |
