| FISERV, INC. Patent applications |
| Patent application number | Title | Published |
|---|
| 20120089500 | METHOD AND APPARATUS FOR DELEGATING AUTHORITY - A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network. | 04-12-2012 |
| 20120078813 | SYSTEMS AND METHODS FOR CUSTOMER VALUE OPTIMIZATION INVOLVING RELATIONSHIP OPTIMIZATION - Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to relationship optimization. | 03-29-2012 |
| 20120078766 | SYSTEMS AND METHODS FOR CUSTOMER VALUE OPTIMIZATION INVOLVING PRODUCT/SERVICE OPTIMIZATION - Systems and methods can provide for customer value optimization. The customer value optimization can include analyzing certain transaction and/or non-transaction data of customers with one or more predictive models to determine predictive modeling scores, values, or indicators. These one or more predictive modeling scores, values, or indicators can be used with other transaction or non-transaction data of customers, either alone or with other derived values/calculations, to provide certain optimizations relating to product/service optimization. | 03-29-2012 |
| 20120023009 | SYSTEMS AND METHODS FOR PROCESSING CARD FULFILLMENT REQUESTS - Systems and methods for processing card fulfillment requests are provided. A card fulfillment request associated with a financial institution and including information associated with an account at the financial institution may be received, and an account identifier for the account may be identified. Information associated with one or more instant issuance requests for the financial institution that have previously been approved for fulfillment may be obtained. Based upon a comparison of the identified account identifier to one or more account identifiers associated with the instant issuance requests, a determination may be made as to whether the identified account identifier corresponds to one of the account identifiers associated with the one or more instant issuance requests. If a correspondence is found, then a determination may be made that the card fulfillment request is not to be fulfilled. Otherwise, a determination may be made that the card fulfillment request be fulfilled. | 01-26-2012 |
| 20110313918 | Systems and Methods for Processing a Payment Coupon Image - Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon. | 12-22-2011 |
| 20110313917 | Systems and Methods for Capturing and Processing Payment Coupon Information - Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller. | 12-22-2011 |
| 20110213707 | SYSTEMS AND METHODS FOR FACILITATING PERSON-TO-PERSON PAYMENTS - Embodiments of the invention may provide systems and methods for facilitating person-to-person payments. A payer request to pay a payee identified by a first contact identifier is received. Upon failing to locate the payee in a data repository of registered payees via the first contact identifier, the first contact identifier is utilized to transmit a registration invitation to the payee. Information associated with the request may be stored pending registration by the payee, and the invitation may include a link to a payment service provider site and an indicator of the stored information. Based upon a payee selection of the link, the indicator and identifying information for the payee other than the first contact identifier is received. The received identifying information is utilized to determine a pre-existing registration of the payee with the payment service provider, and the stored information is utilized to direct a payment to the payee. | 09-01-2011 |
| 20110004921 | PERSONALIZED SECURITY MANAGEMENT - Systems and methods for personalized security management of online applications are provided. A determination may be made that a condition for constructing an increased authentication proposal for access to an online financial service is satisfied. The increased authentication proposal may be associated with (i) a user of the online financial service and (ii) a user request option associated with the online financial service. Based upon the determination that the condition is satisfied, the increased authentication proposal may be generated and transmitted for presentation to the user. An increased authentication proposal response may then be received, and the increased authentication proposal response may be processed in order to store, in association with the user and the user request option, (i) an indication of an increased authentication condition and (ii) an indication of an increased authentication mechanism. | 01-06-2011 |
| 20100306094 | SYSTEMS, METHODS, AND APPARATUS FOR IDENTIFYING PAYEES FROM CLEARED ITEMS POSTED TO A FINANCIAL ACCOUNT - Systems, methods, and apparatus for identifying payees from cleared items posted to a financial account are provided. Information associated with one or more cleared items posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, at least one payee may be identified. A suggestion to add the identified at least one payee as one of an electronic biller of the consumer or a payee of the consumer for online payment functionality may be generated, wherein receiving an acceptance of the suggestion facilitates activation of an associated service for the consumer by a service provider. The generated suggestion may be transmitted to a network entity for presentation to the consumer. | 12-02-2010 |
| 20100306091 | SYSTEMS, METHODS, AND APPARATUS FOR ESTABLISHING PAYEES BASED ON CLEARED ITEMS POSTED TO A FINANCIAL ACCOUNT - Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account are provided. Information associated with a cleared item posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, a payee associated with the cleared item may be identified. A form may be generated for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider. The form may be transmitted to a network entity for presentation to the consumer. | 12-02-2010 |
| 20100241487 | SYSTEMS AND METHODS FOR DEPOSIT PREDICTIONS BASED UPON TEMPLATE MATCHING - Systems and methods may be provided for deposit prediction based upon template matching. The system and methods may include receiving deposit information associated with a plurality of deposits for a deposit account of a financial institution customer, where the deposit information includes a plurality of deposit amounts, and a respective date associated with each of the plurality deposit amounts; identifying, based upon the received deposit information, one or more deposit patterns by applying one or more template patterns to the deposit information and determining that one or more of the applied template patterns match at least a portion of the deposit information; and generating an indication of the identified one or more deposit patterns. | 09-23-2010 |
