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Including funds transfer or credit transaction

Subclass of:

705 - Data processing: financial, business practice, management, or cost/price determination

705001000 - AUTOMATED ELECTRICAL FINANCIAL OR BUSINESS PRACTICE OR MANAGEMENT ARRANGEMENT

705035000 - Finance (e.g., banking, investment or credit)

Patent class list (only not empty are listed)

Deeper subclasses:

Class / Patent application numberDescriptionNumber of patent applications / Date published
705044000 Requiring authorization or authentication 948
705040000 Bill distribution or payment 433
705042000 Remote banking (e.g., home banking) 271
705041000 Having programming of a portable memory device (e.g., IC card, "electronic purse") 263
705045000 With paper check handling 31
Entries
DocumentTitleDate
20080281754SYSTEMS AND METHODS FOR FACILITATING AFFILIATE-BASED TRANSACTIONS - Enhanced methods, systems, and techniques for facilitating affiliate-based transactions are provided. Example embodiments provide an Affiliation Facilitator System, which generates and provides reference rewriter code modules based on affiliations between content providers and target sites. In some embodiments, a reference rewriter code may execute on a client computing system to automatically modify content provided by a content provider that is affiliated with one or more target sites. In some cases, the reference rewriter code may modify links that refer to designated target sites to refer instead to designated affiliation facilitators. The designated affiliation facilitators may then track accesses to the target sites and provide compensation to the content provider based on the tracked accesses. This abstract is provided to comply with rules requiring an abstract, and is submitted with the intention that it will not be used to interpret or limit the scope or meaning of the claims.11-13-2008
20110184855SYSTEM AND METHOD FOR VIRTUAL PIGGYBANK - A method of providing control preferences for a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account bcinj stored in a database; establishing a second account, the settings of the second account being stored in the database: linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the second account consistent with the control settings of the second account.07-28-2011
20110208644MONEY MANAGEMENT SYSTEM - A money management system includes a money handling machine 08-25-2011
20090006249PROCESS OF AND SYSTEM FOR ADVANCING CREDIT FOR CASH COLLECTIONS - A process for providing bank credit to retailers for cash collections that are carried out during retailers' normal business operations. The process entails a retailer collecting cash over a period of time, such as over a single or multiple business days, generally in exchange for goods and/or services, depositing the collected cash into one or more electronic safes disposed at the retailer's location or locations, calculating at a designated time, such as the end of day at each location, a total amount of cash that has been deposited into the retailer's safes over such period of time, and electronically transmitting data files that identify the calculated total amounts of cash accepted by the retailer over the period of time. The retailer is credited, for example, by a bank, with the total cash deposits as reported by the electronic safes at the end of each business day. The process advantageously makes funds readily available and improves cash flow to retailers who take-in cash as part of their normal business operations.01-01-2009
20120173410SYSTEM AND METHOD FOR PAYING CITATIONS USING SMS TEXT MESSAGING - A system and method are provided for enabling the recipient of a citation to pay the associated fine using SMS text messaging. The system includes a server platform programmed to receive an SMS text from a customer, the SMS text including a citation number, a unique identifier for the municipality that issued the citation, and an RFID transponder number and/or a license plate number for the customer that is linked to a payment device, such as a credit card account. Upon receipt of the SMS text, the server platform validates the citation number and municipality unique identifier against a citation database, charges a percentage of the amount of the citation to the payment device linked to the RFID transponder number or license plate number (e.g., a credit or debit account on file), and transfers payment of the percentage of the citation amount to the municipality identified by the unique identifier. The server platform also sends confirmation of payment of the citation to the customer via an SMS text message. The server platform extracts a processing fee for processing payment of the citation.07-05-2012
20120173415METHODS AND SYSTEMS FOR OPENING AND FUNDING A FINANCIAL ACCOUNT ONLINE - Methods and systems for opening an account with a financial institution. One method can include electronically storing at least one rule for opening an account with a financial institution. The method can also include electronically receiving account application information from a remote device over at least one network, wherein the account application information includes personal information of a customer requesting to open an account. In addition, the method can include generating at least one risk score based on the account application information and applying the at least one rule to the at least one risk score in order to determine a decision regarding the account application information and to determine at least one funding constraint associated with the account.07-05-2012
20080275813Systems and Methods to Provide Connections for Real Time Communications and Commerce - Systems and methods to connect a seller to a customer according to a request received from the seller. One embodiment includes a session border controller to interface with a packet switched network, and one or more servers coupled to the session border controller to receive from a seller a request for a connection to a customer for real time communications between the seller and the customer, to establish the connection for real time communications between the seller and the customer in response to the request received from the seller, to identify payment information of the customer, and to charge the customer on behalf of the seller using the payment information for a transaction made over the connection established in response to the request received from the seller.11-06-2008
20090187505ONLINE SAVINGS NETWORK - Implementing an online savings network includes creating a network account for an owner and associating an investment account to the network account. The investment account is associated with savings parameters and is owned by the owner. A first contributor is invited to join the online savings network and a condition is established in response to an input by the first contributor that, when satisfied, triggers an automatic contribution of financial assets to the investment account by the first contributor, wherein the financial assets have a value that is relative to a value of a contribution by the owner.07-23-2009
20090043691SYSTEM AND METHOD FOR GATHERING, PROCESSING, AUTHENTICATING AND DISTRIBUTING PERSONAL INFORMATION - Various embodiments of this invention are directed towards a system and method for gathering, processing, authenticating and distributing personal information. Various embodiments of the invention disclose a system and method for gathering personal information from a plurality of sources and making the information available for entities that wish to evaluate or screen the individual. Various embodiments of the invention allow the individual to selectively grant permission to the various evaluating entities on specific background information that is stored within the system. Various embodiments allow the individual to submit information and finance the collection of information, whereby the individual can check the information for accuracy and collect commissions based on the access of the information by requesting entities.02-12-2009
20110191236Virtual card - A system for securing a financial transaction that includes a back-end unit for generating a value that is used in the financial transaction, a central communication engine for receiving the value from the unit, wherein the engine is capable of receiving and sending the value securely, and a device that includes a processor, a communication module for receiving the value, and a memory unit for storing the value, and a display for providing information related to the value, wherein the information secures the financial transaction.08-04-2011
20110196783WIRELESS PAYMENT PLATFORM AND MOBILE RESELLER SYSTEM - The present invention is directed to a wireless payment platform that may offer a payment mechanism for users with a mobile device and may allow users to exchange virtual currency for payment. The wireless payment platform may utilize the convenience and adaptability of the mobile device of the users. Such a payment mechanism may offer more security to transactions by adding a transaction confirmation facility using conventional communications technologies, such as the Short Message Service or SMS, Interactive Voice Response (IVR) technology, and the like. Financial transactions may be conducted on a person-to-person basis where each user may be identified by a unique identifier such as a telephone number, caller ID, and the like.08-11-2011
20110196782Transferring Funds Using Mobile Devices - Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller.08-11-2011
20110196785Banking system operated responsive to data read from data bearing records - An exemplary system includes an automated banking machine (08-11-2011
20110196784SYSTEM AND METHOD FOR INCENTIVIZING AND CONFIRMING THE COMPLETION OF TASKS USING AN ELECTRONIC ESCROW SERVICE - A system and method for incentivizing and confirming the completion of tasks using an electronic escrow service. In one embodiment, Organizer 08-11-2011
20110202457Systems and Methods for Managing Risk Associated with a Geo-Political Area - Methods and systems are presented for managing Risks, including regulatory and reputational risk. The methods can be implemented in a computer and include receiving data descriptive of informational artifacts with content related to at least one of reputational and regulatory risk into the computer system. The computer system can have one or more geo-political areas defined within it. The computer system can also receive data descriptive of details of a financial transaction, wherein the details include an indication of at least one geopolitical area associated with the financial transaction. At least one informational artifact related to at least one of reputational and regulatory risk can be associated with the at least one geopolitical area associated with the financial transaction and the computer system can generate a report comprising data descriptive of the informational artifacts associated with the at least one geopolitical area associated with the financial transaction.08-18-2011
20110202456NOTIFICATION AND RESPONSE SYSTEM WITH FINANCIAL TRACKING FEATURES - A notification and response system utilizing a processor with dynamic information database and an administrator interface to transmit a financial messages from an administrator to a contact devices for guardians, and others associated with persons in an institution. The database has guardian, employee, and other person contact data, priority information, and response data. The administrator initiates distribution of the financial message based upon priority information and the priority order. The message is transmitted through at least two industry standard protocols simultaneously to guardians, employee, and other persons listed contact devices based upon priority information. Once the financial message is received a response is transmitted back through the two industry standard protocols back to the dynamic information database to insure the financial account is fully funded.08-18-2011
20110202454METHOD AND SYSTEM FOR MANAGING RESOURCES - A method of managing resources through optimising performance-based compensation is presented. The method is particularly applicable to fund management, and can provide a number of advantages in fund management including: asymmetric recourse against a fund manager's compensation, dynamically managed exposure and performance fees varied according to an agreement between an investor and the manager. The method comprises monitoring the value of the fund, calculating a performance fee that is due to the fund manager for managing the fund, adding, when the value of the fund increases, a first portion of the performance fee to a fund manager's account, and a second portion of the performance fee to a cushion account, and subtracting, when the value of the managed fund decreases over said time period, a compensation fee from the cushion account to compensate for at least some of the decreased value of the managed fund.08-18-2011
20110202453SYSTEM AND METHOD FOR MOBILE SECURE TRANSACTION CONFIDENCE SCORE - A computerized system and method for determining a mobile secure transaction confidence (MSTC) score and reporting the MSTC score to a financial transactor, such as a merchant or payment processor, is disclosed. The system includes a mobile device, such as a smart phone having a touch screen display, and sensors, such as an accelerometer. The method includes steps of collecting operational data for a mobile device, recording the operational data to establish short term and long term patterns pertaining to mobile device interaction characteristics, user traits, mobile device use characteristics or combinations thereof. Other steps include determining the MSTC score by comparison of the short term and long term patterns for the device interaction characteristics, user traits, and device use characteristics, then reporting the secure transaction confidence score to a financial transactor.08-18-2011
20130085930SYSTEM AND METHOD FOR PROCESSING GIFT CARDS BY INTERCEPTING A PURCHASING TRANSACTION - Disclosed herein is a method for enabling gift card recipients to redeem gift card amounts using existing payment accounts. A system identifies a giver and recipient of a gift card amount and associated accounts. A policy is established which governs how the gift card is redeemed, such as a specific merchant or item. When a purchase is made using an existing credit/debit card according to the policy, the system intercepts the purchase and causes the gift card amount to be applied from an account other than the recipient account. No special codes, separate physical gift cards, or printable coupons are necessary for redemption. The recipient makes purchases using their normal purchasing credit/debit card via a qualifying purchase according to the policy, and the gift card is applied automatically. The recipient credit/debit card becomes a combination of an open-looped card and a closed-loop card. Thus, no money is wasted or lost.04-04-2013
20130085928VEHICLE INTEGRATED PAYMENT DEVICE - A payment device including a vehicle having a unique identifier associated therewith. The unique identifier is associated with and identifies a specific financial payment account to permit a payment transaction for the purchase of goods and/or services.04-04-2013
20130085927Providing Increased Ability To Perform A Transaction Based On Locale - A method and system is provided that allows a user to select a default currency to be used with the mobile device and associate it with the currency selector of the device. When using the mobile device for mobile payments in a locale with a different currency than the user's default or home currency, the user can actuate the currency selector to convert the currency amount to the default currency and easily determine the default equivalent currency.04-04-2013
20130085929SYSTEMS AND METHODS FOR MANAGING AND MAKING PATENT ANNUITY PAYMENTS - Various embodiments of the present disclosure include systems and methods of making or managing annuity payments. In one example embodiment, a method comprises tracking one or more patent annuity payments due on at least one patent for a user and docketing a due date for at least one of the annuity payments. In advance of the due date, the method includes identifying the cost of a forward contract to obtain or purchase currency equal to a total amount payable of the at least one annuity payment and providing the cost of the forward contract to the user.04-04-2013
20120246066SYSTEM AND METHOD FOR COLLABORATIVE COMMERCE ACROSS A NETWORK - A system and method for facilitating commerce on a network, such as the Internet, by a group of entities that wishes to collectively sell a good or service whereby the payment for the good or service can be automatically divided between the payment destinations for each of the recipients. The plurality of recipients can use a recipient interface to create predetermined payment divvy for payments made, such as those for the goods or services, such that a computer system directs payments to the plurality of recipients based upon the predetermined payment divvy upon receipt of revenue.09-27-2012
20120246064CUSTOMER REFUNDS USING PAYMENT SERVICE PROVIDERS - A method by which a merchant can establish and advantageously use an account at an online payment service provider for making both payments and refunds to customers so as to minimize overdraft or non-sufficient funds (NSF) occurrences and the attendant delays and loss of customer good will includes providing at least one processor communicating through at least one network, and using the at least one processor and network to receive a refund request, access a user reserve account with an online payment service provider, wherein the reserve account is associated with a regular account of the user with the payment service provider, and processing the refund request from the reserve account.09-27-2012
20090248574PEER-TO-PEER CURRENCY EXCHANGE AND ASSOCIATED SYSTEMS AND METHODS - Peer-to-peer currency exchanges and associated systems and methods are disclosed herein. In one embodiment, a computer-implemented method of facilitating a currency exchange transaction between multiple users of a peer-to-peer currency exchange system can include receiving user instructions at the currency exchange system for a currency exchange transaction. The method can also include funding corresponding user accounts at the currency exchange system based on the respective user's selected amount of money to be converted and a current exchange rate between the first currency and the second currency. The method can further include aggregating funds from the corresponding user accounts at the system and, after aggregating the funds, matching user requests for a conversion of funds into a selected currency pairing. The matching process is based, at least in part, on one or more predetermined matching parameters. The method can also include transferring the converted funds to a corresponding external account of the respective user.10-01-2009
20130080317Managing a universal payment account - To facilitate management of a universal payment account, it is determined whether a transaction occurs. Transaction information is received from a payment systems module if the transaction occurs, wherein the transaction information comprises a universal payment identifier associated with a universal payment account. A processor determines at least one payment rule based at least in part on the universal payment identifier, and the processor determines a financial account associated with the universal payment account based upon the at least one payment rule. The plurality of financial accounts are associated with the universal payment account and the determined financial account is used to process the transaction. The determined financial account is accessed to facilitate processing of the transaction.03-28-2013
20130080319SYSTEMS AND METHODS FOR EMBEDDED VIRTUAL SHOPPING CARTS - Systems and methods for providing embedded payment functionality, such as a virtual shopping cart. In an embodiment, configuration data is received. The configuration data may comprise product data and up-sell data. A uniform resource locator (URL) that is associated with the configuration data is generated, and Hypertext Markup Language (HTML) code comprising the URL is generated. The HTML code is capable of being inserted or embedded within a HTML document. In addition, a plurality of user interfaces may be dynamically generated based on the configuration data. The plurality of user interfaces comprise a payment interface comprising inputs for payment information, and one or more up-sell interfaces comprising inputs for selecting one or more up-sell offers.03-28-2013
20130080318SYSTEM AND METHOD FOR PROVIDING DISPUTE RESOLUTION FOR ELECTRONIC PAYMENT TRANSACTIONS - Described herein is partner-based method and device for resolving inquiries or disputes concerning a transaction between the customer and a merchant that is affiliated with a partner platform. For example, the method may involve receiving, at the partner platform, an inquiry/dispute event notification. The method may involve obtaining data points about the transaction and locating the transaction based on the data points. The method may involve refunding the transaction or canceling future or recurring charges associated with the transaction.03-28-2013
20130036045Systems and Methods Involving Processing of Payments Using Handheld Devices - Embodiments of the invention provide systems and methods for allowing merchants to perform remote credit card transactions by facilitating non-CNP transactions via a package delivery service. A non-CNP transaction includes a credit card transaction where the card is physically presented to the merchant and a receipt may be signed. Various embodiments may also include transactions in which an imprint of the card is taken.02-07-2013
20130036044COMMUNICATION DEVICE FOR CONTACTING A BUSINESS - A communication device for contacting a business is provided. The device can be a stand-alone communication device that is capable of connecting to a business over a wireless network. The device includes a microphone, a speaker, a single control to activate the device, and contact information related to a business. Once activated, the device utilizes the contact information and connects to the business to facilitate communication between the business and a consumer who activates the device. The speaker and microphone allow the user to communicate and relay information through the communication device. The device may further contain a means to collect payment information and transmit that information to the business entity for automatic billing.02-07-2013
20130036043IMAGE-BASED PRODUCT MAPPING - Methods, systems, computer-readable media, and apparatuses for image-based product mapping are presented. In some embodiments, a server computer may receive, from a first computing device, a first image and information identifying a first location at which the first image was captured. The first image may include a first product. Subsequently, the server computer may receive, from a second computing device, a second image and information identifying a second location at which the second image was captured. The second image may include a second product, and the second location may be different from the first location. The server computer then may analyze the first image to identify the first product and the second image to identify the second product. Thereafter, the server computer may store, in at least one database, first information associating the first product with the first location, and second information associating the second product with the second location.02-07-2013
20090106145APPEAL MECHANISM FOR A CONTRACT DISPUTE IN A VIRTUAL WORLD - A method for appealing a decision in a contract dispute in a virtual world may include receiving a rejection of the decision in the contract dispute in the virtual world from at least one of a contractor and a contractee. The decision in the contract dispute may be made by a single arbitrator. The method may also include providing a mechanism to appeal the decision by the single arbitrator in the contract dispute in response to receiving the rejection from at least one of the contractor and the contractee.04-23-2009
20090070255Social lending and borrowing in virtual financial community - Disclosed herein is a computer implemented method for creating and maintaining a virtual financial community with a plurality of subscribers subscribing to a social lending and/or borrowing scheme. A total face value and a scheme period are specified for the scheme. Each subscriber periodically invests a predetermined portion of the total face value until the end of the scheme period. A beneficiary subscriber is democratically elected for borrowing an amount equal to the total face value at the end of each investment period. The beneficiary subscriber may relinquish a percentage of the borrowed amount that is democratically decided by the subscribers and/or the scheme moderator. The percentage of the amount relinquished by the beneficiary subscriber is distributed between the non beneficiary subscribers and the scheme moderator. The steps of electing and distributing are repeated for each of the predefined periodic intervals until the end of the scheme period.03-12-2009
20130041814Method for Issuing and Managing Debit Gift Card Accounts - A method for generating and managing debit gift card accounts and facilitating the processing of gift card payments through a debit process. The method involves associating a gift card with a purchaser and transferring any unused residual balance to the purchaser following card expiration or other triggering event.02-14-2013
20130041813METHOD FOR PERFORMING MULTI-PAYMENT USING MULTIPLE PAYMENT MEANS, DEVICE FOR PERFORMING MULTI-PAYMENT, AND PROGRAM FOR PERFORMING MULTI-PAYMENT - One settlement is made with multiple settlement units. A user-selected settlement unit, at least one settlement price allocated to each settlement unit and a usage ratio allocated to each settlement unit, and a total price to be settled are received from a site. Credit processing is performed for each price obtained by allocating the total price to the settlement unit using the usage ratio or for each settlement price allocated to each settlement unit. Sales determination processing is performed for each price obtained by allocating the total price to the settlement unit using the usage ratio or for each settlement price allocated to each settlement unit. A message indicating settlement completion is transmitted to the site. In the first and second settlements, when all credit processing and sales determination processing can be performed within the multi-settlement apparatus, the processing is so performed, otherwise, an external unit is requested.02-14-2013
20130041812METHOD AND SECURE DEVICE FOR PERFORMING A SECURE TRANSACTION WITH A TERMINAL - A method for performing a secure transaction between a secure device (02-14-2013
20130041810PAYROLL SYSTEM TO FACILITATE EMPLOYEE BUDGET CONTROL AND METHODS THEREOF - Embodiments of the present invention generally relate to a system for administering and managing an employee's compensation by virtue of enabling the employee to implement measures to create a budget and implement such budget through controlled distribution of the employee's compensation. In one embodiment, the method comprises: receiving employee data regarding the employee's compensation from an employer, the employee data comprising an employer pay schedule and an ordinary pay amount each pay period of the pay schedule; enabling the employee to create a customized periodic payment plan; and managing implementation of the customized periodic payment plan, whereby the employee is compensated based on the customized pay schedule at a modified pay amount for each pay period of the customized pay schedule.02-14-2013
20090094154Method and system for matching remittances to transactions based on weighted scoring and fuzzy logic - A method for matching remittances to transactions is disclosed. The method for matching remittances to transactions uses a processing paradigm based on weighted scoring and fuzzy logic that is easy to maintain and fosters the use of logic based on the summarization of payments. The system and method also matches remittances to particular transactions with relaxed sensitivity to where identifying markers may be placed on a remittance and is resistant to typographical data entry errors. Further, the system and method is flexible with regards to handling various kinds of information that can result in accurate, precise matching without discarding or overlooking such information.04-09-2009
20100042536System and method of transferring funds - A system for transferring funds can include a database with information about a routing number including ACH transfer information and wire transfer information. The system can include a conversion module configured to receive an ACH transfer file including an associated routing number, access the database to retrieve wire transfer information, and convert the ACH transfer file to a wire transfer file. The system can include an implementation module configured to perform a wire transfer using the wire transfer file. The wire transfer can be a batch wire transfer. The conversion module can use the associated routing number from the ACH transfer file to retrieve wire transfer information for the associated routing number from the database.02-18-2010
20100042535CURRENCY DISPLAY - Actual currency is shown displayed on a user device, where the currency represents an amount of money selected by the user. For example, if the user selects $86.21 for U.S. Dollars, the display will show four twenty dollar bills, one five dollar bill, one one dollar bill, two dimes, and one penny.02-18-2010
20090157544Record-keeping system for transmission and production of content - A method of transmitting content over a network, the content being subject to a record-keeping requirement, includes the steps of: providing information pertaining to at least a portion of the content in accordance with a record-keeping requirement; associating the information with the content; providing the associated information to a custodian; and transmitting the content over a network.06-18-2009
20100332382PORTABILITY OF FINANCIAL TOKENS - A method determines that a first relationship between a holder of a portable consumer device and a first employer is terminated. In response to determining that the first relationship is terminated, the method also disassociates account information of the portable consumer device from the first employer while retaining an association between the portable consumer device and an issuer of the portable consumer device. In addition, the method establishes a second relationship between the employee and a second employer and links the account information of the portable consumer device with the second employer.12-30-2010
20130041811UNIFIED PAYMENT SERVICE - A method for unified payment includes identifying a unified account, determining a cash value source of the unified account, determining a non-cash value source of the unified account, and presenting a combined value of the cash value source and the non-cash value source. The combined value is expressed in terms of cash.02-14-2013
20130041809MONEY HANDLING APPARATUS, MONEY MANAGING SYSTEM, AND MONEY MANAGING METHOD - The present disclosure relates to a money handling apparatus including: a money storage unit configured to store money; a locking unit configured to limit access to the money storage unit; and a control unit configured to give unlock permission to unlock the locking unit to at least one of a plurality of qualified persons who are qualified to unlock the locking unit, and to perform a process involving change of the qualified person.02-14-2013
20130041808DISTRIBUTED MEDIA ACCESS - Delivering dynamic media content to a client on a client device. The method includes storing segments at a series of data server units; delivering to a client a playlist indicating the playback order, wherein the playlist is configured to be natively processed by the client, whereby the native processing directs the client to: initiate requests for the individual segments to corresponding data server units according to the playback order; download the respective individual segments from the corresponding data server units according to the playback order; and render the respective individual segments according to the playback order so as to render a reconstitution of the dynamic media content; sending each respective individual segment from its respective data server unit to the client device according to a playback order of the playlist. The system includes dynamically scalable architecture for delivery of real-time video packet data sent over a communication network.02-14-2013
20120185379AUTOMATIC CHARGING STATION FOR ELECTRIC VEHICLES AND CHARGING METHOD THEREOF - The charging station of the invention employs an RFID system to read out charging conditions of the electric vehicle to be charged. The charging conditions are sent to a console. The console controls an automatic charging mechanism to charge the electric vehicle to be charged according to the charging conditions. The automatic charging mechanism automatically detects the location of the charging port of the electric vehicle to be charged and controls a robot hand to connect the charging port. An automatic payment mechanism may be activated after charge has been completed.07-19-2012
20090125443METHOD TO FACILITATE ENGAGEMENT AND COMMUNICATION BETWEEN A COMPANY AND A RECRUITER - The present invention includes a method to facilitate engagement and communication between a company with an available position and a recruiter. The method includes the steps of posting information about the available position for the company, and receiving information about a candidate for the available position of the company from the recruiter, and submitting the information about the candidate for the available position of the company to the company. The method further includes the step of receiving payment from the company and transmitting a portion of the payment to the recruiter upon the selection by the company of a candidate for the available position.05-14-2009
20090125442Wireless communications device configured for automated returns - A method for automated return of an item, including the steps of: automatically identifying, with a processor and an interface element in a specially programmed general-purpose computer, an item brought within a predetermined proximity of a retail location operated by a business entity; determining, via the processor and a memory element in the general-purpose computer, that the item was previously purchased from the business entity by a customer; and applying, using the processor, a credit for the item to an account associated with the customer. In some aspects, the item comprises an RFID tag and the memory element comprises a sales record for the item including data regarding the tag, and automatically identifying an item includes automatically detecting the tag and transmitting data identifying the tag to the interface element, and determining that the item was previously purchased includes using the data identifying the tag to select the sales record.05-14-2009
20090125441Monetary Account Management - Methods, systems, and machine readable media are disclosed that may use a float account to manage monetary accounts associated with an account holder. In one embodiment, a method may include receiving a transaction for the float account that has an associated monetary amount. The method may also include holding the monetary transaction in the float account of the account holder. The method may include distributing the monetary amount of the transaction among the monetary accounts of the account holder per directions of the account holder.05-14-2009
20130046684Apparatuses, Methods and Systems for a Trackable Virtual Currencies Platform - Method for detecting fraud includes receiving a fraud alert. The fraud alert is investigated by analyzing social graph information and other available information of one or more users associated with the fraud alert to determine likelihood of the users being involved in fraud. When it is determined that a fraud was committed based on the analysis, chain of fraudulent transactions related to the fraud are reversed and fraud events data related to the fraud are updated into a fraud event database for subsequent analysis.02-21-2013
20130046685TIME-EFFICIENT AND DETERMINISTIC ADAPTIVE SCORE CALIBRATION TECHNIQUES FOR MAINTAINING A PREDEFINED SCORE DISTRIBUTION - A number of memory spaces are defined for a memory structure. Transaction data is received, and financial transactions are scored based on the transaction data to generate a batch of scores for the financial transactions. A score range is divided into k bins, each of the k bins representing one memory space of the memory spaces of the memory structure. The batch of scores are aggregated by storing a count of each score in a memory space, and a percentile is computed for each score in the batch of scores based on a set of values associated with each score. Each new financial transaction is scored to generate a new score, and a new percentile is assigned to the new score according to the set of values. The new percentile is then translated to a calibration score with fixed percentile characteristics according to a fixed reference curve.02-21-2013
20130046683SYSTEMS AND METHODS FOR MONITORING AND ENFORCING COMPLIANCE WITH RULES AND REGULATIONS IN LEAD GENERATION - Systems and methods are provided to generate leads for an organization that comply with the organizations rules and regulations. Leads originate from a network of marketing partners of a leads generating service. The web assets of the marketing partners are periodically, or continuously, monitored to insure that such web assets have required content and/or do not contain objectionable content. Over time, marketing partners who are consistently comply with an organizations rules and regulations earn the status of trusted marketing partners and leads originating from such partners are highly valued.02-21-2013
20130046682ELECTRONIC CLEARING AND PAYMENT SYSTEM - A computer-implemented method for online payment, comprising the steps: receiving a business object comprising an instruction by a user to transfer a payment amount from a first account to a second account; debiting the payment amount to the first account; crediting the payment amount to the second account; after the payment amount has been credited to the second account and debited to the first account, generating a message indicating that the transaction has been completed; characterized in that the steps of debiting, crediting, and generating are executed in quasi-synchrony.02-21-2013
20130046681METHOD OF IMPROVING HIGHWAY SAFETY BY DETERRING SPEEDING - Method and means of deterring speeding are disclosed. A plurality of detection devices positioned along a road detect a transmission device mounted in a vehicle as it passes in proximity to the detection devices. Each transmission device is identifiable to a registered user via an identifier unique to the transmission device. When a vehicle carrying a transmission device passes a detection device, the unique identifier and the time of the vehicle's passing are stored. Known distances between the plurality of detection devices enable calculation of average speed of the vehicle using the time stamps of the vehicle's passing between any two detection devices. If the vehicle's average speed exceeds an acceptable speed for that portion of road, the registered user is notified, thereby deterring future speeding. A fine can be deducted from an account associated with the registered user or the registered user's transmission device.02-21-2013
20130046680ALLOCATING RESEARCH FUNDING - Allocation of research funding is based on changes to sizes of resource clusters. Each resource cluster is composed of a set of researchers devoted to a single aspect of a research field. A size change to a specific resource cluster indicates a change to a level of activities associated with a corresponding specific aspect of the research field. In response to identifying an under-attended aspect of the research field caused by the change in sizes of the resource clusters, a recommendation is issued to allocate additional funding for research to the under-attended aspect of the research field.02-21-2013
20130046679JOINT PAYMENT - Methods and systems for facilitating various e-commerce joint payment scenarios are provided. According to one embodiment, a computer system of a communication service provider receives payment information from a first member of a caregroup that shall serve as a primarily responsible individual for periodic service fees associated with communication services provided by the communication service provider to a digital mailbox appliance of a second member of the caregroup. Responsive to a request by the primarily responsible individual, the computer system enables the periodic service fees to be shared by other members of the caregroup by allowing one or more of the other members of the caregroup to commit to payment of a portion of the periodic service fees as secondarily responsible individuals.02-21-2013
20130030993SYSTEMS AND METHODS FOR MANAGING RISK IN BANKING TRANSACTIONS - Systems and methods of monitoring the risk exposure to a financial institution comprising the steps of receiving transaction data associated with an underlying financial transaction involving an account maintained at a financial institution and an originator of the underlying financial transaction; comparing the characteristics of the underlying financial transaction with one or more preset risk profile criteria; determining an updated risk exposure rating responsive to the failure of any one of the characteristics associated with the underlying financial transaction to satisfy any one preset criterion of the one or more preset risk profile criteria; and transmitting a notification responsive to the determination of the updated risk exposure rating.01-31-2013
20130030992Automatic Savings Program - A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person.01-31-2013
20130030991TELECOMMUNICATIONS INITIATED PAY PER CHARGE SYSTEM - A system and method for recharging a battery of a mobile device for a fee authorized by a financial account control server can include a battery recharging station having at least one recharging connection for a mobile device. The battery recharging station can be in communication with an electronic data connection for selective activation and deactivation of power supplied to the at least one recharging connection for recharging a battery of a mobile device. A recharging service control server can be operable to remotely control activation and deactivation of power supplied to the at least one recharging connection located at the battery recharging station through the electronic data connection in response to receipt of communication from the financial account control server regarding validation and acceptance of payment by a user of the battery recharging station.01-31-2013
20130030990Method of preventing disaster induced data loss - A cost effective method of preventing disaster induced data loss in digital data storage devices without requiring the use of a data backup service is provided. A fire resistant and water resistant digital data storage device is sold by a manufacturer to a customer wherein the customer pays an upfront payment competitive with the cost of a digital data storage device that is not fire or water resistant. A portion of the purchase price is allocated to monthly payments to be paid by the customer to the manufacturer for a data recovery service if the device is damaged by fire or water; monthly payments for the recovery service being competitive with the cost of a backup service.01-31-2013
20130030989ELECTRONIC CREDENTIALS VERIFICATION AND MANAGEMENT SYSTEM - A credentials record system that captures personnel background data, such as license information, education and training, work experience, performance data and electronic signature at the time of entry using graphical user interfaces through a network, wherein it permits instant, sophisticated analysis of background data to identify relationships among the data, including archived data and includes the capability to access reference databases for consultation regarding verification of data for accuracy on a continuous basis. The system also provides for an automated auditing process to ensure data integrity and includes the capability to incorporate legacy data, such as paper files and mainframe data, for each personnel record.01-31-2013
20130030988CHARITABLE DONATION OF PROCEEDS FROM RECYCLING ACTIVITY - Embodiments of the invention enable an organization to nominate itself to receive proceeds from consumer recycling activity. For example, some embodiments enable an organization to request that an account be established to which proceeds from recycling activity are to be directed. Upon the account being established, the organization may be provided with a set of receptacles (e.g., beverage container collection bags), which the organization may hand out to potential donors. Each receptacle may include an identifier that allows the account to be identified. Donors may collect recyclable beverage containers in his/her receptacle over time, and bring the receptacle to a return center when it becomes full, at a designated time (e.g., to meet a suggested deadline set by the organization), or at any other suitable time. The recyclable containers in the receptacle may be processed, and a value to be provided in exchange for the containers may be determined. Some or all of that value may be deposited to the organization's account, rather than being provided to the consumer.01-31-2013
20130030987Paid Profile Personalization - In one embodiment, a system includes one or more computing systems that implement a social networking environment and are operable to provide paid profile personalization functions to users. In particular embodiments, the user may select one or more social networking objects to replace advertisements or other elements that are normally displayed to visitors of the user's profile page that are otherwise controlled by the social networking system. In particular embodiments, the user may edit elements on their profile page that are otherwise automatically generated and controlled in design and content by the social networking system. In particular embodiments, the user is billed on a recurring basis for profile personalization.01-31-2013
20130030986SYSTEMS AND METHODS FOR OFFLINE DELIVERY OF CONTENT AVAILABLE IN VOICE APPLICATIONS - Methods and arrangements for facilitating offline delivery of content available in voice applications. User access to a voice application is permitted, and the user is accorded a capability to select content in the voice application for offline delivery. The selected content is stored in a holding arrangement, and the selected content is availed for delivery to the user.01-31-2013
20090307129COMMUNITY-BASED WORK VALUE SYSTEM AND METHOD - Disclosed herein are a system and method to identify one or more tasks, determine a community corresponding to an identified task, receive input from the determined community, e.g. valuation input, suggestions on a performer of the task, inquiry input, etc. A value is assigned for the task using input received from the determined community. The determined community that values the task may be responsible for paying an amount equal to the value of the task identified by the community in exchange for performance of the task.12-10-2009
20090043697System and method for repaying an obligation - A method for repaying an obligation comprises periodically receiving into a merchant designated account an entirety of funds resulting from merchant sales made with a card product. A first amount related to the terms of the obligation is computed and the first amount is applied to the obligation. The amount remaining in the merchant designated account after applying the first amount to the obligation is transferred to a bank account accessible by the merchant. The steps are repeated until the obligation is satisfied. A system for repaying the obligation is in communication with an unmodified retail payment system. The system for repaying the obligation comprises at least one merchant designated account in communication with a network of the retail payment system, a master account in communication with the at least one merchant designated account, and an obligation processor in communication with the at least one merchant designated account and the master account.02-12-2009
20090043695Method & system for facilitating charitable donor to donee matching - A method for facilitating charity donation matching, includes the steps of collecting information of potential donation receiving entities, inviting a potential donating entity to register contact information and donation criteria, prompting the potential donating entity to pay a matching surcharge, accepting the matching surcharge, matching the potential donating entity with one or more potential donation receiving entities and generating matching results, and providing the matching results to the potential donating entity.02-12-2009
20090043692Downloading of Content - Desired content may be selected from a content server and added to a wishlist or a shopping list. If the desired content is added to a wishlist, a receiving device other than the device from which the selection(s) were received may be identified or selected. The receiving device may be identified based on capabilities of the receiving device (e.g., ability to play music or video). A sample of the desired content may be selected, generated and/or customized based on the capabilities (e.g., resolution, storage capacity) of the receiving device. The sample may then be transmitted to the receiving device at a predefined time or once specified conditions have been met. Content added to a shopping list may be purchased by a user and downloaded to a selected device. The selected device may be the device on which the content was selected or an alternate device.02-12-2009
20090043694SYSTEM AND METHOD FOR INTEGATING DIGITAL RIGHTS MANAGEMENT INFORMATION AND PAYMENT INFORMATION - One embodiment provides a system of distributing digital content from a first party to a second party over a network. The system includes an interface to receive by the second party from the first party a digital content package including a digital content and its header. The header provides Digital Rights Management (DRM) information and payment information for the digital content. The system also includes a payment module to receive a payment from the second party based on the received payment information. The system further includes an authorization module, after receiving the payment, to allow the second party to play the digital content under restrictions described in the received DRM. In some embodiments, the system may also include a preview module to allow the second party to preview the digital content for a predetermined number of times or for a predetermined length of time.02-12-2009
20110004548METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER - A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments.01-06-2011
20110010293ACCOUNT ALIAS DATA REPOSITORY - Embodiments of the invention provide systems and methods for creating a financial account alias data repository to be used to identify payee accounts in payment transactions. For example, an embodiment of the method includes: (1) receiving a communication comprising an alias that is not a financial account number; and (2) using a processor to store the alias in memory and create a data repository in the memory that maps the alias to a particular financial account such that the alias can be used by others instead of a financial account number to transfer money to the particular financial account associated with the alias. The alias may include, for example, a telephone number, email address, or social networking identifier of the financial account owner.01-13-2011
20130091054DIGITAL DOWNLOADING JUKEBOX SYSTEM WITH USER-TAILORED MUSIC MANAGEMENT, COMMUNICATIONS, AND OTHER TOOLS - A digital downloading jukebox system including a mechanism for delivering custom services to a recognized user, including services for creating playlists, communicating with others, accessing other features, etc. is provided. In some exemplary embodiments, after a user is recognized, the jukebox system allows users to access a special front-end via an Internet-enabled device or on an actual jukebox. Then, the user may, for example, create playlists, share songs with friends, send messages to friends, and access other value-added content. Such a system preferably learns about networks of friends, and enables managers to send similar messages to regular customers and/or others known to the system. In some exemplary embodiments, changes via a first user interface on a first device are reflected on second user interface on other properly-configured devices.04-11-2013
20090327121MONETARY GIFT REGISTRY METHODS AND SYSTEMS - A method of operating a monetary gift registry includes registering one or more recipients with the monetary gift registry and creating an account for each registered recipient. Each account has a unique account identifier. Transfers of monetary value are received from one or more senders, each transfer of value accompanied by the unique identifier of one of the accounts. The deposits are accumulated into the respective accounts based at least in part on unique identifiers, and funds from at least one account are distributed. Funds may be distributed to at least one registered recipient for whom an account was created, or to a third-party merchant. At least one transfer of monetary value or distribution of funds is capable of being performed through a consumer-oriented money transfer network, or both12-31-2009
20120221464COMMUNICATIONS SYSTEM FOR PERFORMING SECURE TRANSACTIONS BASED UPON MOBILE WIRELESS COMMUNICATIONS DEVICE PROXIMITY AND RELATED METHODS - A communications system may include a plurality of mobile wireless communications devices configured to determine proximity between one another. At least one of the mobile wireless communications devices may also be configured to generate a secure transaction request based upon the determined proximity. The system may further include a transaction terminal configured to receive the secure transaction request and perform a secure transaction based thereon.08-30-2012
20120191598JOINT CLOSED-LOOP AND OPEN-LOOP INSTRUMENT ISSUANCE FOR DISBURSING FUNDS - A system for disbursing funds is described. The system includes a memory for storing cardholder information and a processor. The processor is configured to receive a cardholder identification, to receive a unique identifier from an instrument used for purchasing at least one of goods and services, to associate the unique identifier with the cardholder information based on the received cardholder identification, and to send the unique identifier and the cardholder information to a server. Methods and machine-readable storage media are also described.07-26-2012
20120191597SYSTEM AND METHOD FOR COLLECTING AND DISTRIBUTING DIGITAL RECEIPTS - According to certain embodiments of the present invention, a method for coordinating the provision of a digital receipt associated with a financial transaction is provided. According to the method, a digital receipt and an identifier corresponding to the digital receipt are communicated from an acquirer and received at a digital receipt server. The digital receipt and the corresponding identifier may be communicated through a second network, such as the Internet. The digital receipt and the identifier corresponding to the digital receipt are then stored in the digital receipt server. The digital receipt server also receives an inquiry and an identifier corresponding to the inquiry, which are communicated from an issuer. The inquiry and the corresponding identifier may be communicated through the second network. Prior to this, the identifier is transmitted from the acquirer to the issuer, for example, through a first network such as an electronic funds transfer (“EFT”) network.07-26-2012
20130073454Systems and Methods to Determine the Name of a Business Location Visited by a User of a Wireless Device and Process Payments - In general, the invention relates to methods and systems that record the location of a user and facilitate transactions between the user and a physical named location (e.g. business location) visited by the user. A network includes a server programmed with a database of location information, a database of user information, payment account information, and a wireless communication system capable of communicating with the user's mobile device. The location of the mobile device is ascertained and recorded. The system determines the physical named location (e.g. business location) visited by the user and provides a reference number to the user. An operator of the physical named location may use the reference number to obtain payment from the user for goods and services rendered at the physical named location.03-21-2013
20130073453CONDITIONAL BALANCE MANAGEMENT FOR NON-ISSUER DEBIT INSTRUMENTS - A computer receives information about a debit account controlled by a third-party issuer, a user owing the account and instructions for managing the account after a specified trigger date. Operating according the instructions, an unknown remaining balance in the account may be exhausted after the trigger date has passed, using a sequence of charges responsive to the initial balance, to the last charge amount completed or attempted, and to whether or not the last charge amount is accepted. In the alternative, or in addition, the account may be managed to convert the remaining balance to a non-monetary coupon (e.g., “virtual currency”) for use in an online computer game or the like, after the trigger date.03-21-2013
20130073452SYSTEM AND METHOD FOR PROVIDING ACCESS TO REMOTELY STORED DIGITAL MEDIA USING AN RSS FEED - A system and method for providing digital media content involves use of custom URIs, disguised as URLs, provided as media enclosures in an RSS feed, for the purpose of redirecting requests for digital media content from a customer computer to an intermediate transaction server. The transaction server intercepts the custom URI containing customer, item, price and/or other relevant information to translate the file request into a transaction record and serve up the appropriate file, possibly from a remote merchant site, for the request and customer. When the transaction server receives a request for the custom URI, it parses it according to pre-defined rules and serves the appropriate file to the requester and records the transaction. This approach can be used to aggregate small transactions of digital content. Customers have a revolving account with the transaction server and can aggregate purchases from multiple merchants via RSS delivery up to preset limits.03-21-2013
20130073451SYSTEM AND METHOD FOR PROVIDING BALANCE TRANSFERS - Techniques for providing balance transfers are disclosed. In one exemplary embodiment, the techniques may be realized in a system or computer-implemented method for providing a balance transfer offer to a customer. The customer may initiate the balance transfer by acquiring existing account balance information and providing the account balance information to an application. The customer may take a photograph of an existing account statement with a mobile device, and data from the existing account statement may be extracted and automatically provided to a balance transfer application. The customer may then verify certain customer information, be presented with balance transfer options, and confirm that the customer would like to complete the balance transfer.03-21-2013
20130073450System and Method for Facilitating Resource Conservation - A system and method for facilitating and incentivizing resource conservation. A monitoring module generates data regarding consumption of energy or other resources by one or more devices. A processing module automatically compares the resource usage data to a baseline, and determines a direct cost savings based on the comparison, optionally along with indirect value based on tax shelter value, investment, carbon offset credits, and the like. Based on this, a financial module automatically directs money to a set of financial instruments. A feedback module provides a user with indications of resource usage data, monetary value, and status of the set of financial instruments. A database configured for accumulating information related to device resource consumption, device performance, and device-related context is also provided.03-21-2013
20130073449SYNCHRONIZING DIGITAL CONTENT - Aspects of the present disclosure relate to one or more configured computing systems identifying when decoupled content includes a companion content pair (e.g., a first content and a second content) that can be synchronously or interchangeably presented. Further, aspects of the present disclosure relate to notifying a user of the availability of companion content. Notifications can be displayed to a user at any number of notifications triggers that indicate the user may be interested in acquiring companion content. Further, notifications may correspond to an offer to acquire at least a portion of companion content, such as a trial of the companion content. If a user accepts such an offer, synchronization information may be used to begin presentation of the companion content from a last consumed position of a corresponding first content.03-21-2013
20130073448One-Click Offline Buying - Contactless payment transactions are initiated through single input activation of a mobile device's secure element and contactless communication system. Activation of the secure element and the contactless communication system is coupled to the activation status of the mobile device's screen. Activation of the secure element may be further coupled to the activation status of an electronic wallet application. Where activation of the electronic wallet application is required, one-click activation of the electronic wallet application and secure element is provided.03-21-2013
20130073447FUNDING SYSTEM FOR VERIFIED FUNDS TRANSFER IN A GAMING ENVIRONMENT - A funding system for gaming establishments provides verified fund transfers from a player's personal account to the gaming establishments. The funding system may utilize a funding account for holding player funds and a player tracking account. The funding account may be owned by the player and receive funds from the player's personal accounts. Fund transfers between the funding account and a gaming establishment may be verified in a verification process comprising one or more verification steps. This reduces or eliminates unauthorized or unintended fund transfers. The funding system may associate a player's funding account with the player's player tracking account. In this manner, a player may utilize a player tracking card to transfer funds between his or her funding account and a gaming establishment.03-21-2013
20130060682METHOD FOR MANAGING PAYMENT MEANS OVER A NETWORK USING ELECTRONIC WALLET, PAYMENT MEANS MANAGEMENT DEVICE, AND PAYMENT MEANS MANAGEMENT PROGRAM - The need for input and transmission of information necessary for settlement each time accounts are settled is eliminated. Necessary information to settle accounts by using a payment system is received from a terminal used by a user and stored. The received information and the payment system using the information are tied and managed for each user. When settlement processing of a certain user is requested from a business operator site, the payment systems that can be used by the certain user are identified by using an account management function unit and the settlement processing by the selected payment system is performed by using the necessary information tied to the payment system selected by the certain user from among the identified payment systems.03-07-2013
20130060681SETTLEMENT AND REMITTANCE-PROCESSING METHOD OF VIRTUAL MONEY, SETTLEMENT AND REMITTANCE-PROCESSING SYSTEM, AND SETTLEMENT AND REMITTANCE-PROCESSING PROGRAM - Provided is a settlement and remittance-processing method, wherein processing that involves transfer of virtual money, such as settlement or remittance, is achieved with a single system. A virtual money management apparatus includes an account management storage section which stores a value of the virtual money owned by the users and company; an account management function section which includes virtual money accounts for each of the users and company and associates the virtual money accounts with the virtual money stored in the account management storage section to manage virtual money using the virtual money accounts; and a settlement/remittance management function section which receives designation of the user or company which is to be a transfer destination of the virtual money, specifies a virtual money account associated with the designated user or company by using the account management function section, and transfers the virtual money to the specified virtual money account.03-07-2013
20130060680FUNDS MANAGEMENT SYSTEMS AND METHODS - Described herein are systems, methods, and articles of manufacture that establish services that facilitate funds management. These services can manage multiple accounts of different types for the same user (either payer or payee). The services can also link a payee account and a payer account to establish electronic funds transfers and other transactions. The services can also facilitate the establishment of an electronic funds transfer through enabling a search for either a payee or a payer according to a criterion.03-07-2013
20130060679THIRD-PARTY PAYMENTS FOR ELECTRONIC COMMERCE - Providing for third-party payments for mobile electronic commerce is described herein. By way of example, an electronic transaction initiated at a first subscriber account can be funded at least in part from a second subscriber account. Particularly, the first subscriber account associated with a mobile terminal can select an item for purchase with a content browsing application on the first mobile terminal. A request for payment can be sent from the first mobile terminal to a second mobile terminal, associated with the second subscriber account. Funds transferred from the second mobile terminal to a banking account associated with the first mobile terminal can then be utilized to purchase the item and complete the electronic transaction. In an aspect, information pertaining to respective accounts can be masked from respective subscribers to provide financial privacy in conjunction with third party financing of electronic commerce.03-07-2013
20130060678ELECTRONIC PAYMENT SYSTEMS AND SUPPORTING METHODS AND DEVICES - Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations.03-07-2013
20120310821SOLAR FIELD CANVAS - A solar field made up of a plurality of mutually adjacent solar panels and a substantially horizontal visual display associated aerially with at least a portion of the solar panels. The field may include landscaping which forms at least a portion of the display. The solar panels may include differently colored solar cells arranged to form at least a portion of the display. The field may include a plurality of light emitting elements, coupled to at least a portion of the solar panels and controlled to selectively display a visual image.12-06-2012
20110066549SYSTEM AND METHOD TO PROVIDE CUSTOMS HARMONIZATION, TARIFF COMPUTATIONS, AND CENTRALIZED TARIFF COLLECTION FOR INTERNATIONAL SHIPPERS - The systems and methods described herein relate generally to the integration of a shipping label with a customs form to provide a single label having postage, addressing, customs, and other information for international shipping, and in particular, to managing landed cost and harmonization for international packages. In one embodiment, managing the landed cost and harmonization may comprise generating a unique self-validating postage indicium or mark in response to a request that includes a description of contents for a package onto which an international shipping label is to be placed and a destination country where the package is to be delivered. As such, the unique self-validating postage indicium or mark may indicate that landed costs for delivering the package to the destination country have been pre-paid, wherein the unique self-validating postage indicium or mark and a customs declaration form may be printed on the international shipping label.03-17-2011
20090287600AUTOMATICALLY UPDATING RECORDS OF CORPORATE EXPENSE SYSTEMS USING CATEGORY SPECIFIC PAYMENT MECHANISMS BASED ON POINT OF SALE ACQUIRED DATA - A solution for charging purchases and tracking corporate expenses. In the solution, at least one payment artifact having credit allocations specifically associated with an expense category of a corporate expense management system can be established. A purchase transaction involving the payment artifacts can be identified. An expense category can be automatically determined based upon a payment artifact used for the purchase transaction. Records of the corporate expense management system can be automatically updated based upon the purchase transaction.11-19-2009
20090271313METHOD AND SYSTEM FOR BALANCE ACCOUNT UTILIZATION - Methods and system for balance account utilization are described. In one embodiment, a balance account may be linked to a credit card account of a user. A determination of whether there is an amount due for the credit card account may be made. A determination of whether at least a minimum payment has been received for the amount due by a due date may be made. Funds from the balance account may be accessed based on the linking and a failure to receive at least the minimum payment by the due date. A balance payment may be processed on the due date for the credit card account with the funds from the balance account.10-29-2009
20080201258Process for Managing Domain Name Registrations - Domain names are registered with a domain name registration service for an indefinite period in exchange for a lump sum payment from the domain name registrant. The domain name registration service registers the domain name in the name of the domain name registrant and the domain name registration is kept active so long as the domain name registrant keeps the lump sum payment with the domain name registration service. If the user cancels the indefinite-period domain name registration, the lump sum payment is returned to the user minus any applicable penalties for early cancellation.08-21-2008
20130166440SYSTEMS AND METHODS FOR EXTENDING AN EXISTING NETWORK - A computer-implemented method for extending a payment network via a rapidly deployable telecommunications (RDT) network is provided. The method is implemented using a computer device coupled to a memory device. The method includes pre-assembling a network kit including a plurality of networking components for deploying at least a portion of an RDT network, determining a storage location for the network kit, determining a stock count of network kits, storing a number of network kits in the storage location equal to the stock count, and processing a request for one of the network kits stored within the storage location.06-27-2013
20090030836STORED VALUE TRANSACTION SYSTEM INCLUDING AN INTEGRATED DATABASE SERVER - An integrated database and information server are provided that efficiently share information and tasks between various stored value programs. A server is configured to provide reusable objects and data structures that are suitably shared between various stored value products. A database at the server allows data to be shared between various programs so that each consumer associates with only one database record even though that consumer may use multiple shared value products. By integrating modules and avoiding duplicate records, the record communicates with all stored value programs, so the information does not need to be repeatedly entered into the database. Moreover, new stored value products are quickly and easily created through selection and arrangement of various shared objects preferably maintained within the database.01-29-2009
20130066769METHODS OF DISTRIBUTED INTERVIEWING - A distributed work force of selected candidate evaluators is used to quickly and efficiently provide multiple evaluations of a candidate for a skill position. Candidate information is provided to multiple candidate evaluators in a distributed work force. Review information is received from the multiple candidate evaluators comprising an evaluation score for one or more candidate attributes and a ranking is generated for the candidate relative to other candidates for the skill position based on the received review information.03-14-2013
20130066771Systems and Methods to Configure Data for Diverse Services - A computing apparatus includes: a transaction handler configured to process payment transactions; a data warehouse coupled with the transaction handler to store transaction data recording the payment transactions processed by the transaction handler; and a portal coupled with the data warehouse to store non-transaction data associated with the transaction data. The portal is further configured to receive input from account holders to specify personalization data and to store the personalization data in the data warehouse to tag the non-transaction data. The personalization data controls the access to the non-transaction data tagged with the personalization data.03-14-2013
20130066772MULTI-FACTOR AND MULTI-CHANNEL ID AUTHENTICATION AND TRANSACTION CONTROL AND MULTI-OPTION PAYMENT SYSTEM AND METHOD - The present disclosure provides a multi-option system and method for payment of selected item from a merchant. A purchaser selects a payment option through an electronic device. A payment message indicating the selected payment option and the purchaser's account information associated with the selected payment option is sent to a payment portal. The payment portal selects a suitable participating entity based on the selected payment option and sends the purchaser's account information to the selected participating entity. The participating entity authenticates the purchaser's account and generates an instruction message based on the result of the authentication. The portal receives the instruction message and sends the same to a server of the merchant.03-14-2013
20130066770Multi Tenancy For Single Tenancy Applications - A mechanism is provided for deploying software applications in a cloud computing environment. An administrator is provided an interface for allowing a software application that is designed for a single tenant to be used by a plurality of users. An aspect of the invention is to provide a mechanism for quickly and easily giving multi-user qualities to a single tenant application like autoCAD. As such, multiple users can access the application without the need to download and install a version locally on their system. The system is able to determine the period of time for which an application is in use for a given user, because every application is run on a resource that is part of the cloud environment. Therefore, it is possible for the application provider to charge for the application in a usage-based model—e.g. by the hour, or day—without any re-engineering of the existing application.03-14-2013
20130066768System and method for providing a web-based service for users within a social network to engage in monetary transactions via a collective investment trust - This document proposes a system and method whereby users within a social network infrastructure can engage in monetary transactions with other users through the use of a collective investment trust. The system relies on a two-level prerequisite basis, the successful fulfillment of which deems a user of a social network a serviceable end-user. The invention links the end-users' social network(s) to an electronic transaction service. The successful conjoining of which allows said end-user to create or participate in a collective investment trust. Furthermore, a collective investment trust is not exclusively constrained to a single social network; it can be available to one or all serviceable social network(s) at the end-user's behest.03-14-2013
20110208646SMART VEHICLE NAVIGATION AND TRACKING SYSTEM - An intelligent navigation and vehicle tracking (INVT) utility collects/generates vehicle activity and location information for vehicles equipped with an intelligent navigation device. The INVT utility obtains GPS/location data for various vehicles from information provided by corresponding navigation devices and uses the received location information to calculate congestion and identify alternate routes. Additionally, the INVT utility provides an incentive mechanism for motorists to receive credit/cash rewards for selecting less congested routes. The INVT utility utilizes congestion data to determine the time efficiency and energy efficiency for traveling along particular routes. Furthermore, the INVT utility enables motorists to select routes based on energy expended, time expended and/or available credit/cash rewards. One aspect involves: downloading computerized maps providing a driver with information about: (a) pre-selected types of establishments; and (b) wireless network signal service levels/availability; and enabling drivers with registered driver accounts to establish driver sub-networks for sharing specific information with other drivers/members/friends.08-25-2011
20130103576TRANSACTION MANAGEMENT SYSTEM AND METHOD - A method for managing a transaction includes receiving merchant information. Then a merchant account may be established with the merchant information. Consumer information may also be received whereby a consumer account may be established. The consumer and merchant may then be associated. Payment instructions may be received and the merchant account may be credited in the amount from the payment instructions.04-25-2013
20120116962USING A TRANSACTION CARD ACCOUNT TO MAKE RECURRING LOAN PAYMENTS - Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requester. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill.05-10-2012
20120116960SYSTEM, NON-TRANSITORY MEMORY WITH COMPUTER PROGRAM, AND ASSOCIATED METHODS FOR MICRO-CREDIT TO PREPAID CARDS - A lending institution computer establishes a line of credit coupled to a prepaid card account and makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card account as payment. When the line of credit is accessed, the prepaid card account is loaded with an additional value of one or more predetermined loan increments so that the prepaid card account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for a line of credit balance available is determined, accounting for value loaded onto the prepaid card account and a predetermined loan advance fee for each loan increment loaded onto the prepaid card account.05-10-2012
20120116959TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.05-10-2012
20120116958SYSTEMS, DEVICES AND METHODS FOR ELECTRONICALLY GENERATING, EXECUTING AND TRACKING CONTRIBUTION TRANSACTIONS - A contribution aggregation system enables a user to purchase or otherwise acquire a block of one or more contribution units from which to contribute desired amounts to selected recipients. This may be performed, for example, by the user logging on to a Web site or other system interface provided by the contribution aggregation computer system and then selecting individual recipients to receive selected donation or contribution amounts. These amounts from various different contributors are then aggregated and totaled to enable a single contribution transaction to be made to the recipient including the amounts contributed to the recipient form the various contributors. The current balance of the contributor's block of one or more contribution units is tracked and the contributor may also input or select comments and/or conditions associated with their individual contributions to individual recipients to be sent to the recipient or otherwise published.05-10-2012
20120116957SYSTEM AND METHOD FOR POPULATING A LIST OF TRANSACTION PARTICIPANTS - Embodiments of the invention provide a method of populating a list of transaction participants with the aliases of individuals and entities that can participate in P2P transactions. In some embodiments, the list of transaction participants is a list of payment recipients to whom the user can make P2P payments and the list is populated with a third party's alias. In other embodiments, the list of transaction participants in a list of recipients to whom a third party can make P2P payments and the list is populated with the user's alias. In some embodiments, a method is provided that includes: (1) receiving information associated with a party to a financial transaction with a user; (2) determining, at least partially on the information associated with the party, that the party can participate in a P2P transaction with the user; and (3) populating a list of P2P transaction participants with an alias identifier.05-10-2012
20120116956HYBRID MOBILE COMMERCE SYSTEM, APPARATUS, METHOD AND COMPUTER PROGRAM PRODUCT - A method, system, apparatus, and computer program product are disclosed for a hybrid m-commerce system. Cash and electronic payment may be used substantially interchangeably within the hybrid m-commerce system. In one embodiment, cash change received from a transaction may be adjusted using the system. In another embodiment, cash change may be received as a change identifier. In yet another embodiment, a threshold may be defined and utilized to automatically adjust the balance of one or more stored value card account.05-10-2012
20120116955CHARGING PURCHASES TO UTILITY ACCOUNTS - Charging purchases to utility accounts including a computer program product that stores instructions for implementing a method. The method includes receiving a request from a consumer at an electric vehicle charging station to charge at least one of a purchase of electrical power for electric vehicle (EV) charging and an item other than electrical power to an electrical power utility account. The method also determines if the consumer is authorized to charge the purchase to the electrical power utility account. A transaction denied message is transmitted to the consumer in response to determining that the consumer is not authorized to charge the purchase to the electrical power utility account. The method further includes, in response to determining that the consumer is authorized to charge the purchase to the electrical power utility account: charging the purchase to the electrical power utility account; and transmitting a transaction completed message to the consumer.05-10-2012
20120271757SYSTEMS AND METHODS FOR MANAGING ACCOUNTS PAYABLE - A computer-implemented method for generating a first accounts payable financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a core account for providing financial backing for the first accounts payable financial product; receiving a selection of a first recipient payee to which the first accounts payable financial product is to be distributed; generating the first accounts payable financial product based on one or more control parameters that define use restrictions for the first accounts payable financial product; and causing the first accounts payable financial product to be distributed to the first recipient payee.10-25-2012
20130166439Embedded Document Within an Application - Data structures, methods, program products and systems for creating and executing an executable file for the Binary Runtime Environment for Wireless (BREW) where the file is capable of causing presentation of a document embedded in the file on a BREW system.06-27-2013
20130166444PRODUCTS AND PROCESSES FOR REVENUE SHARING AND DELIVERY - Various techniques of distributing revenue and/or other money, selecting/bonding delivery agents, and performing other tasks are providing herein. Methods include distributing portions of loan payments to one or more referrers associated with one or more loans, bonding of delivery agents, selecting delivery agents, allocating portions of credit card payments and/or sharing advertisement revenue. Other apparatus and methods are disclosed.06-27-2013
20110231309HANDHELD ORDER UNIT AND CASH HANDLING DEVICE - Methods and devices allow a handheld order unit to be used with a cash handling device. A handheld order unit may be used by a staff person to enter order information, to display an amount due for the meal or other transaction, to facilitate payment, to print receipts, and to communicate information about the transaction to a cash handling device. The cash handling device may identify the handheld order unit and the assigned user for the unit and determine what financial documents need to be inserted by the user for reconciliation purposes.09-22-2011
20080294551Cross-Border Remittance - Systems and methods for cross-border payment of accounts, and other remittance, resulting from provision of goods and services via a trusted agent. In particular, the invention provides systems, methods, and computer programming useful in making, accepting, and processing safe and reliable electronic payment of such debts. The invention is also useful in prepayment for goods and services such as pre-paid telephone or other communication cards and accounts. In some embodiments, such systems and methods proceed in real-time.11-27-2008
20080294550METHOD OF PRESERVING RAINFOREST - A method of preserving land in which a large parcel of land is acquired. The land is divided into small sections referred to as tiles and these tiles are advertised for sale. Interested users purchase tiles via a website. Thereafter, the website delivers a printed deed and a preferably a satellite photo bearing indicia, such as the purchaser's name or photograph. The tile sales company can use profits from tile sales to buy more land and equipment.11-27-2008
20080294549PROCESSING ELECTRONIC TEARSHEETS - In some implementations, a computer-implemented method includes receiving an offer to pay for advertising to be run in a printed publication according to offer parameters that include a publication time; receiving an acceptance to run the advertising according to the offer parameters; receiving, at a submission time, an electronic tearsheet, the submission time being after the publication time of the advertising; and charging a corresponding advertiser a first amount and paying a corresponding publisher a second amount when the submission time is within a first predetermined period of time of the publication time and when a challenge to the electronic tearsheet has not been received from the advertiser within a second predetermined time after the submission time. The electronic tearsheet can evidence publication parameters associated with the advertising that was run in the printed publication.11-27-2008
20080294548Fee-Based Distribution of Media Based on Device Proximity - Embodiments of the invention provide techniques for commercial transactions for the sale of images carried out over short-range wireless transmissions. In one embodiment, the transaction may be initiated by a vendor (e.g., a professional photographer), who transmits a wireless signal including an offer for sale of an image. A customer wishing to purchase the image responds by sending a wireless signal including an acceptance of the offer. In another embodiment, the transaction may be initiated by a customer, who transmits a wireless signal including a request for an image to be fulfilled by a vendor. A vendor agreeing to supply the image responds by sending a wireless signal including an acceptance of the request. By offering the images to customers who are in close proximity to the image capture, the vendor may increase the likelihood that the images will be purchased.11-27-2008
20130166442On-Device Offline Purchases Using Credits - This is directed to providing offline purchasing of media items using an electronic device. One or more media items that are not part of a user's media library can be stored on an electronic device. When a user later wishes to play back one of the media items, but the device cannot connect to a communications network to provide payment information for purchasing the media items, the electronic device can use pre-paid credits that were purchased and stored by the device when a communications network was available to complete the purchase. By using pre-paid credits, the media store can be assured that the user has sufficient funds for the media item purchase.06-27-2013
20130166443METHOD AND APPARATUS FOR DISTRIBUTION OF MONEY TRANSFERS - A method for performing transactions comprises receiving registration in formation and money transfer transaction specifications, generating a distribution profile based on the registration information, and storing the money transfer transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the money transfer transaction specifications in the distribution profile is identified based on the initiation instruction. Payment source status is verified according to the identified money transfer transaction specification, and a staged send transaction is initiated, based on the payment source status at the time the send transaction is initiated.06-27-2013
20090150283MONEY FUND BANKING SYSTEM WITH MULTIPLE BANKS AND/OR RATES - Providing interest to clients' deposited funds without limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients' deposits and withdrawals, calculates the total of the deposits and withdrawals for all clients, and uses the calculation to determine whether funds are deposited to or withdrawn from one or more deposit accounts in which all clients' deposit funds are kept. Clients can make unlimited withdrawals, such as by check, credit card, debit card, or electronic transfer, through the administrator. By placing the administrator as the holder of the deposit account(s), exemptions to the limitation on earning interest in demand accounts is facilitated; additionally, dispersing the deposit account funds among multiple banks allows the client to obtain FDIC insurance for all of the deposited funds, which may amount to insurance in excess of the statutory maximum allowed (presently $100,000.00). 06-11-2009
20080288398Cash sweep account platform system and method - An integrated banking transaction services (IBTS) module receives an instrument from a client to initiate a brokerage transaction between a broker-dealer and an investment firm. The IBTS module transmits a notification message to a broker-dealer that the instrument was presented. The IBTS module receives a confirmation message from the broker-dealer that includes information as to whether to pay the instrument. If the instrument is to be paid, the IBTS module transmits information associated with the brokerage transaction to a sub-accounting engine.11-20-2008
20120221466METHOD FOR IMPROVED FINANCIAL TRANSACTIONS - Disclosed are methods and processing techniques for modifying or changing a financial transaction that is being processed, such as for the purchase of goods or services. Methods of the present invention, in particular, relate to methods including the ability to use fixed or variable data, as such data is sent to a financial transaction processor, in order to modify the transaction, and thus changing the financial transaction that is being processed or the method of processing the financial transaction. The modifications that are made to the transaction enhance security to the buyer by disclosing less data during the transaction for others to potentially gain access.08-30-2012
20120265673Systems and methods for providing gaming activities - A system and method for determining the location of a location tracking device, employs a satellite based location determining infrastructure and a wireless data communications network. A location tracking device which cannot easily obtain valid ephemeris data from the satellite based location, determining infrastructure, requests the necessary data from a data set stored at a tracking device hub via the wireless communications network. The tracking device hub determines and transmits an estimated position of the location tracking device to the location tracking device, along with the appropriate required valid ephemeris data, to allow the location tracking device to determine its location. If the location tracking device is still unable to make a location determination from the satellite based location determining infrastructure, then the estimated location can be provided. The base station topography is self-determined by a process executing in the system and can include base stations from different networks.10-18-2012
20120323765GIFT CARD TO CREDIT CARD TRANSFERENCE - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for credit card and credit card like transaction enablers. In one aspect, a method includes receiving a credit card account associated with one or more gift card accounts, each respective gift card account associated with a respective balance; receiving notice of a transaction using the credit card account; determining whether a respective gift card account qualifies for use in the transaction; in response to determining that a respective gift card account qualifies for use in the transaction, determining whether to apply the respective balance to the transaction; in response to determining to apply the respective balance to the transaction, applying the respective balance to the transaction.12-20-2012
20130024364CONSUMER TRANSACTION LEASH CONTROL APPARATUSES, METHODS AND SYSTEMS - The Consumer Transaction Leash Control Apparatuses, Methods And Systems (“C-LEASH”) transform touchscreen inputs into a virtual wallet mobile application interface including payment control parameters configuration via C-LEASH components into transaction receipts/alerts. In one implementation, the C-LEASH provides, a transaction payment control processor-implemented method, comprising: obtaining, from a user device, payment control parameters via a user interface; storing the payment control parameters with an account; receiving a transaction payment request including payment account information and purchase information; retrieving the stored payment control parameters based on the payment account information; determining when the purchase information of the transaction payment request violates one or more of the stored payment control parameters; and suspending the transaction payment request and sending an alert message to the user device.01-24-2013
20110282780METHOD AND SYSTEM FOR DETERMINING FEES AND FOREIGN EXCHANGE RATES FOR A VALUE TRANSFER TRANSACTION - A method for a value transfer operation includes determining a sender currency using the account information of the sender and a receiver currency using the BIN associated with the sender account. The method further includes determining a currency exchange rate, transaction fee, and currency markup fee based on the sender and receiver currencies and various attributes of the sender account and the receiver account.11-17-2011
20110282782Portfolio Synchronizing Between Different Interfaces - An account coordination system includes an Internet-connected server executing software from a non-transitory, machine-readable medium. The software provides direct linking between the server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account, direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises, and tracking functionality whereby the server tracks activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts. The server propagates any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces.11-17-2011
20130024360System And Associated Method And Service For Providing A Platform That Allows For The Exchange Of Cash Between Members In A Mobile Environment - A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code.01-24-2013
20120290472SYSTEMS AND DEVICES FOR MOBILE PAYMENT ACCEPTANCE - A mobile device may provide payment acceptance for purchases, payments and/or money transfers by accepting payment information from a powered, or a non-powered, card using a contactless communication channel formed between the card and the mobile device. The payment information may be communicated by the mobile device to network entities that may be used to settle such purchase, payment and/or money transfer transactions. The mobile device may, for example, accept more than one payment account to split a purchase among several payment accounts. A user of a mobile device may, for example, store payment information within the mobile device for future purchases. A user of a mobile device may, for example, request checkout options using the mobile device, such as customizing receipt delivery, annotating receipts with comments and categorizing purchases for customized accounting reports.11-15-2012
20110302080METHOD AND APPARATUS FOR VALUE INTERCHANGE PRICING - Systems, methods, apparatus, computer program code, and means for processing transactions are provided which include receiving transaction data associated with a payment transaction, said transaction data including a payment account identifier, the payment account identifier identifying a payment account, determining a value score associated with the payment account identifier, determining, based on the value score, an interchange tier associated with the payment account identifier, and providing an indication of the interchange tier to a clearing and settlement process involving the payment account identifier.12-08-2011
20110302079SYSTEM AND METHOD OF PROCESSING PAYMENT TRANSACTION DATA TO DETERMINE ACCOUNT CHARACTERISTICS - A system, apparatus, and method for more effectively marketing financial products and services to consumers by determining the opening date and activity level within a payment account based on data from payment transactions in which the consumer has participated. This information may be used to determine where a consumer's transaction activities place them in terms of product adoption, and hence what types of products or services the consumer might be interested in using in the future.12-08-2011
20120005088TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005087TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005084TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005083TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005080TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20110276473SYSTEM AND METHOD FOR FACILITATING EXCHANGE OF ESCROWED FUNDS - An electronic escrowed funds transfer system includes an escrow server in communication with a request client and a resource control client. The escrow server may include a funds management module to process and track funds being held in escrow, a resource management module to process a resource modification request, and a data repository module to store information relating to the request client, the resource control client, a resource to be modified, and/or the resource modification request. The resource modification request may be received by the escrow server and may include information relating to a location of the resource to be modified, an amount of funds to be paid for a modification of the resource, and/or a condition associated with the modification of the resource. The resource management module may transmit a notification upon receipt of the funds to the resource control client that a funded modification request has been received, and the resource management module may monitor a status of the modification of the resource to be modified to ensure that the condition has been met. The resource management module is in communication with the funds management module to release the funds to the resource control client upon determining that the condition has been met.11-10-2011
20110288991SYSTEM AND METHOD FOR AUTOMATED ISSUER-EFFECTUATED DIRECT DEPOSIT ENROLLMENT - A system and method are provided which provide the ability for third parties such as account issuers, for example, to easily initiate direct deposit enrollments on behalf of accountholders.11-24-2011
20120089505Methods and Systems for Managing Transaction Card Accounts - Methods and systems for managing transaction card accounts in which cardholders are permitted to incur transaction charge balances on existing transaction card accounts and substituting the existing transaction card for each of at least a portion of the plurality of cardholders with a different transaction card product upon an occurrence of one of termination of a private label or co-branded agreement and a predetermined level of inactivity on the transaction card account which has significant additional features and benefits absent from the existing transaction card product.04-12-2012
20090281941System and Method for Managing the Generation, Collection and Distribution of Contributions from the Use of Payment Cards - A system and method for managing the generation and the collection of financial contributions from holders of payment cards (11-12-2009
20120016794Real-Time Gifting Using a Computing device and Social Media - A user of a social network can open a tab at a business (e.g., a bar or restaurant) and can provide a message to other users of the social network, to which the user is socially coupled, to join the user at the business. The message to the other users can include an account identification that the other users can use applying money to the tab or in purchasing a good or service, for sale by the business, for the user. One or more of the other users can be present at the business to purchase a good or service for the user, and/or one or more of the other users may not be present at the business to purchase a good or service for the user. For example, one or more of the other users can purchase a good or service for the user from a remote location.01-19-2012
20110295739BANKRUPTCY PAYMENT AND DEBT TRACKING - In general terms, embodiments of the present invention relate to methods and apparatuses for tracking payments and debts associated with a bankruptcy debtor. For example, some embodiments of the present invention are configured to: (a) receive information associated with one or more payments, where the one or more payments are associated with a debtor; (b) determine that a first portion of the one or more payments applies to pre-petition debt associated with the debtor; (c) determine that a second portion of the one or more payments applies to post-petition debt associated with the debtor; and (d) post, to a network-accessible account associated with the debtor, information that indicates that the first portion applies to the pre-petition debt and information that indicates that the second portion applies to the post-petition debt.12-01-2011
20110295742Object Information Derived from Object Images - Search terms are derived automatically from images captured by a camera equipped cell phone, PDA, or other image capturing device, submitted to a search engine to obtain information of interest, and at least a portion of the resulting information is transmitted back locally to, or nearby, the device that captured the image.12-01-2011
20110295741MONEY MANAGEMENT DEVICE, MONEY MANAGEMENT SYSTEM, MONEY MANAGEMENT METHOD AND TELLER MACHINE - A money management system related to one embodiment of the present invention includes a teller machine provided for managing a money amount in a branch of a financial institution, and a money management device that is connectable with the teller machine so as to be able to communicate with each other, and is capable of independently managing the money amount, wherein the teller machine includes: a cooperation-process-information preparation unit configured to prepare cooperation process information for specifying the content of a storage/take-out process, in the case in which the storage/take-out process is performed in regard to the total amount of money stored in the money management device (or money-management-device money amount); and a cooperation-process-information transmission/reception unit configured to transmit and receive the cooperation process information between the teller machine and the money management device, such that the teller machine can manage the money amount including the money-management-device money amount.12-01-2011
20110295740System And Method For Secure Transactions - A secure transaction system includes an image generator configured to generate human readable characters, a random placement generator coupled to the image generator, and an encoding system configured to encode the human readable characters in a data stream in an order determined by the placement generator, wherein the transaction system is configured to transmit the data stream to a user interface and to receive a selected data stream from the user interface. Also included is a method for secure transaction processing including receiving an encoded data stream representative of a plurality of human readable characters positioned in a random order, selecting a human readable character from the plurality of human readable characters, and transmitting a portion of an encoded data stream representative of the selected human readable character.12-01-2011
20130218753Commodity Backed Payment System For Social Networks - Embodiments are directed towards providing a computer-implemented method and a network device that provides an electronic payment system for social networks, including maintaining (i) records of registered users, (ii) records of registered merchants, (iii) a credit account for each registered user and registered merchant wherein credits are backed by a commodity and a credit corresponds to a fraction of a standard unit of the commodity, receiving from a user device instructions to deposit a designated amount of currency from a user's account into the user's credit account, using the received instructions, obtaining the designated amount of currency, electronically purchasing from a seller an amount of a specified commodity equivalent to the designated amount of currency minus any transaction fee assessed by the seller, and updating the user's credit account by adding a number of credits equivalent to the amount of the purchased commodity.08-22-2013
20110302081SYSTEM AND METHOD FOR MASS TRANSIT MERCHANT PAYMENT - Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. The identification number stored on the financial transaction instrument is associated with a transit system fee registered for each use of the transit system. A plurality of transit system fees associated with the same identification number from use of the financial transaction instrument is aggregated, and payment for the aggregated transit system fees is requested from a transaction account associated with the financial transaction instrument.12-08-2011
20110302077METHOD AND SYSTEM FOR ACCOUNT MAINTENANCE VIA A BROADBAND GATEWAY - Aspects of a method and system for account maintenance via a broadband gateway are provided. In this regard, a subscriber associated with a gateway may have a plurality of subscriber accounts with a corresponding plurality of service/content providers. Information associated with the accounts may be stored in the gateway, and the gateway may present a user interface via which the subscriber may manage settings and balances associated with the accounts. The user interface may enable submitting a single payment such that funds from the single payment are applied to each of the accounts. Activity of the plurality of accounts may be displayed via the user interface. The gateway may be operable to monitor activity of one or more of the plurality of accounts. The gateway may be operable to generate one or more alerts based on the activity and based on criteria established for each of the plurality of accounts.12-08-2011
20090299898METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount.12-03-2009
20120066117SYSTEM AND METHOD FOR IMPROVED FINANCIAL CONTRIBUTIONS MADE BY A PLURALITY OF FANS TO A PLURALITY OF COLLEGES - A system and method for enhancing financial contributions made by a plurality of fans to a plurality of colleges comprising a plurality of college-based websites; a financial contribution database; a sports team results database; a processing unit and a master program website03-15-2012
20100274711Computer-based payment transaction system and repository - One embodiment of the invention relates, to a method of operating a payment transaction system maintained by a first party who receives an instruction for a first transaction. The instructed first transaction is directed from a second party to a third party, and includes a transaction date on which the payment transaction system is to give effect to the first transaction. The first party stores the transaction instruction into a database, and permits the third party to access those transaction instructions stored in the database that are directed to the third party. The first party then receives a request from the third party to bring forward at least in part the instructed first transaction. In response to the request, the first party re-directs the first transaction at least in part from the third party to the first party. In addition, the first party creates a new instruction for a second transaction in the system. The second transaction is directed from the first party to the third party and has a second transaction date which is prior to the first transaction date.10-28-2010
20090070257SYSTEMS AND METHODS FOR TRANSFERRING FUNDS FROM A SENDING ACCOUNT - Provided herein are methods and systems for transferring funds from a sending account to a payee. In embodiments, the sending account may be a pre-paid wireless telephone account. The methods and systems may involve a transaction management system, an account setup module, a funds transfer module and a reporting module.03-12-2009
20100070409Healthcare Card Incentive Program for Multiple Users - A computer-implemented method and system to facilitate a purchase by at least first and second cardmembers using respective transaction instruments associated with a single tax-advantaged account. A request from a merchant to charge a purchase by the first cardmember against the tax-advantaged account for a transaction using the first transaction instrument is received at a host computer. A determination is made whether the first cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the first cardmember charge only if the first cardmember charge is determined to be for a covered tax-advantaged expense. A request is received from a merchant to charge the second cardmember against the tax-advantaged account for a transaction using the second transaction instrument. A determination is made whether the second cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the second cardmember charge only if the second cardmember charge is determined to be for a covered tax-advantaged expense.03-18-2010
20090327124Altering Card-Issuer Interchange Categories - This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions. In some embodiments, the tools receive parameters for interchange categories and transaction information for merchants that have been charged interchange fees based on some of these categories. The tools may determine, based on these parameters and transaction information, how parameters may be changed to enable similar credit-card transactions to be assigned a lower-cost interchange category and the accompanying potential fee savings.12-31-2009
20100036767Reserving amount of payment from financial account balance - In response to a payor planning a specific payment for a given amount to a payee, the given amount is reserved from a balance of a financial account of the payor from which the specific payment is to be made. As such, the given amount reserved from the balance is only available for settling the specific payment and is otherwise unavailable. After the payor has planned the specific payment for the given amount to the payee, in response to the specific payment for the given amount actually being made to the payee, the given amount reserved from the balance of the financial account is used to settle the specific payment for the given amount being made to the payee.02-11-2010
20120089506CREDIT CARD IMAGING FOR MOBILE PAYMENT AND OTHER APPLICATIONS - A mobile payment device includes a contactless payment module, a processing module, and a display module. The contactless payment module is coupled to execute a credit payment transaction. The processing module is coupled to detect the executing of the credit payment transaction and retrieve credit image data based on the detecting. The display module is coupled to process the credit image data into a displayed credit image.04-12-2012
20110218910METHOD OF ESTABLISHING AN ENDOGENOUS FUTURES MARKET FOR POLLUTANT EMISSION FEES - The method of reducing emissions of a pollutant by relying on a novel endogenous futures market to set the pollutant emission fees. The individual marginal cost (m1) is known by actors, companies, individuals or actors for reducing one emission unit of the pollutant. The current market rate of the futures price (n1) for an emission unit is determined by the market. The emission fee (s1) during a certain time period (for instance; month) in the future is set by law or decree to be the same as the price of the futures contract on a certain expiry date in advance of the above mentioned time period to ensure genuine uncertainty of (s1).09-08-2011
20110218907SYSTEM AND METHOD FOR CREATING AND MANAGING A SHARED STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT DEVICE - A method for creating and managing a shared stored value account associated with a client device is disclosed. The method may include assigning a first unique identifier to an owner of a stored value account and assigning a primary account number to the stored value account. The method may further include receiving input to create a shared stored value account based on the stored value account as well as receiving input corresponding to an intended recipient of the shared stored value account. The method may also include creating a second unique identifier that is associated with the intended recipient of the shared stored value account and that is associated with the primary account number assigned to the stored value account. The method may also include displaying options for restrictions as well as creating a second primary account number that is associated with the second unique identifier for tracking the restrictions.09-08-2011
20100114760ONLINE INTERACTIVE ISSUED ACCOUNT ACQUIRED TRANSACTION INFORMATION MANAGEMENT - A single point of access and an integrated user experience for a set of tools are provided for a payment processing system that includes a transaction handler in communication with issuers and acquirers for the processing of payments from the issuers to the acquirers. The tools include: (i) commercial reporting; (ii) expense management; and (iii) account program management tools that are used by (a) issuers who issue the accounts for the cards to account holders and by (b) the account holders. Multiples services are integrated as relevant to specific audiences through an entitlement process, where a single point access is allowed. Applications, which can be developed and/or hosted independently, are accessible through a common interface.05-06-2010
20100114759METHOD AND SYSTEM FOR INTEGRATING SAVINGS AND CREDITS WITH DIFFERENT INTEREST RATES - A method and system for operating a new financial instrument and payment card integrates savings and credit transactions belonging to the same payment plan into a single account. Transactions can be carried out at different periods in time, for any amount, agreed on with different fixed or adjustable interest rates, without losing the payment conditions of each savings and credit. A financial account card as a financial instrument can be used to carry out long, medium and short-term savings and credit financial transactions. The card can also be used as a payment card to buy and sell anything of value. The card is operated through financial institutions and service centers by a computer system, which manages transactions between cardholders themselves and with financial institutions, maintains account balances, determines installments for debt and savings balances, manages available credit limits and guarantees, and manages other financial and payment services.05-06-2010
20110166989OFFSETTING LIABILITIES AND ATTRIBUTING REWARDS - Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or executing a payment strategy for offsetting liabilities and/or attributing rewards. For example, in some embodiments, a method is provided for transferring offsetting funds from a first account to a second account. In such embodiments, the method includes: (1) determining that the second account has incurred a liability; and (2) transferring funds from the first account to the second account in an amount sufficient to offset the liability. In some embodiments, the determining step automatically triggers the transferring step, either immediately, nearly immediately, or sometime after the occurrence of the determining step. In some embodiments, the method further includes attributing rewards to the first account or the second account based at least partially on the transfer of offsetting funds from the first account to the second account and/or based at least partially on the second account incurring the liability.07-07-2011
20100114761AREA TRIM SERVICE BUSINESS METHOD - A method for manufacturing integrated circuits (“ICs”) is disclosed. The method pertains to providing third-party technology in the form of an IC design library to foundry customers for designing IC products using alternate rule sets. Aggressive rules pertaining to IC layout are used to reduce device size, resulting in more device per wafer for the customer. The method includes a library creator creating a slim cell library, a slim cell library being provided to a customer to enable the customer to generate a slim IC design; an IC fabricator charging the customer a per-wafer premium to fabricate the slim IC design; the IC fabricator providing a first portion of the premium to a first entity, wherein the first entity is a contributor of technology for enabling creation of the slim cell library; and the IC fabricator providing a second portion of the premium to the library creator.05-06-2010
20100268642METHOD AND SYSTEM OF AGGREGATING CONSIDERATION ASSOCIATED WITH A REQUEST - In one embodiment, a method includes generating a request of an entity based on a set of attributes provided by an initiating patron of the entity using a processor of an initiator device. The method also includes associating an aggregation environment to the request. The method further includes allocating an initial consideration to the aggregation environment from the initiating patron. In addition, the method includes allocating, to the initial consideration, an additional consideration provided when a different patron contributes the additional consideration to the aggregation environment of the request using a processor of a supporter device. The method also includes allocating the consideration of the initiating patron and the different patron to the aggregation environment of the request to increase a value of the request to the entity in order to increase a possibility of the entity to respond to the request using a processor of an entity device.10-21-2010
20100241560METHOD, SYSTEM, AND APPARATUS FOR DISTRIBUTING ELECTRICITY TO ELECTRIC VEHICLES, MONITORING THE DISTRIBUTION THEREOF, AND/OR PROVIDING AUTOMATED BILLING - An electricity distribution, monitoring, and control system for recharging electric vehicles. The system may include a plug outlet device having a sensor, and a plug adapter apparatus having a tag. The tag may communicate with the sensor when the plug adapter apparatus is coupled to the plug outlet device. An electric vehicle receives an electric charge from the plug outlet device after an identification number associated with the tag is verified by a remote server. Alternatively, a plug outlet device includes a tag, and an electric vehicle has attached thereto a monitoring and communication device, which may include a sensor. The sensor may communicate with the tag when the electric vehicle is proximally located to the plug outlet device, and obtain authorization from a remote server or the outlet device to charge the electric vehicle. A user account is automatically billed and a provider account is automatically credited.09-23-2010
20110270743FINANCIAL TRANSACTION SYSTEMS - Embodiments of the present invention disclose a financial transaction system comprising a report processor (11-03-2011
20090150284CREATION AND DISTRIBUTION OF EXCESS FUNDS, DEPOSITS AND PAYMENTS - Accumulating credits from financial movements to and from accounts held by a financial transactor and managed by an account manager involves initiating a roundup by periodically accessing entries in the account or the account itself with an information processor to round up entries in the account, rounding up the entries in the account to obtain a total roundup amount, withdrawing the roundup amount from the account and debiting the account with the roundup amount. In one embodiment the information processor is external to and out of control of the account manager. At non-bank and bank locations send deposits and payments in cash and/or checks, to financial institutions by using a remote input to truncate the paper checks and the cash used in the transaction.06-11-2009
20080281755SYSTEM AND METHOD FOR PROVIDING COMMERCIAL KITCHEN VENTILATION - A business method utilizing a Principal Entity to provide Commercial Kitchen Ventilation (CKV) systems including components such as hood and duct systems direct to owners of food service facilities. In one example, Principal Entity selects members of a contractor network, provides or arranges CKV instruction leading to CKV installer certification for members supports a continuing certification instruction program and facilitates CKV licensing of certified members by governmental code agencies. The Principal Entity may further create a business conduit facilitating participation of CKV component manufacturers in training that may lead to additional certifications of contractors as certified installers and/or servicers of manufacturer's components. The business conduit example may also provide tools and business systems to combine the purchasing power of members through the Principal Entity to facilitate the transfer of products and services between manufacturers, members and/or owners at greatly reduced costs yet with enhanced levels of service and code compliance.11-13-2008
20090055314WIRELESS PAYMENT METHOD AND SYSTEMS - A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction.02-26-2009
20100191645PAYMENT APPLICATION FRAMEWORK - Embodiments of the present invention provide a payment application framework. In an example embodiment, a request at a payment facilitator is received. The request may comprise a list of receiving parties and an indication of an amount to transfer to each of the receiving parties. A transfer of a single payment from an account of a sender to respective accounts of the receiving parties based on the request may then be processed.07-29-2010
20120109818Third Party Integrated Security System - A third party payment system is provided which allows a user to conduct transactions through payment accounts stored on the third party payment system. The user can enroll in the third party payment system and create an account with registered payment accounts. The user can access the payment accounts via a mobile device and load the payment data associated with a payment account to the mobile device. The user can then utilize the mobile device to provide payment during a transaction.05-03-2012
20120109817Product and Method of Providing First Class Customer Service or Product Support - Disclosed is productized customer service and related methods of use.05-03-2012
20080262964NETWORK BASED USER-TO-USER PAYMENT SERVICE - A network-based payment service and site provides various features for facilitating user-to-user payments. One such feature enables users of the payment service to create pay boxes, or other types of payment objects, that can be incorporated into externally hosted web pages and used to make payments. In some embodiments, the payment objects enable users to make payments directly from the externally hosted web pages.10-23-2008
20130218754CURRENCY RECYCLER - A cash recycler that is configured to allow deposited money to be dispensed (recycled) in a withdrawal transaction. In one embodiment, multiple currency recyclers could be used at multiple stores of a retail establishment and collectively work from one pending balance. Embodiments are also contemplated in which multiple accounts at one recycler location. In some cases, the currency recycler provides provisional credit for deposits of coinage and checks. In some cases, transactions made on the currency recycler could be settled to any financial institution.08-22-2013
20100088225METHODS, APPARATUSES, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING ELECTRONIC VALUE CERTIFICATES - A method, apparatus, and computer program product are provided, which may provide electronic value certificates. An apparatus may include a processor configured to access a moblet template from a moblet template provider. The processor may also be configured to customize the moblet template to define a moblet. The processor may further be configured to add value to the moblet. The processor may additionally be configured to provide the moblet to a remote device. The processor may also be configured to receive an update to the moblet. Corresponding methods and computer program products are also provided.04-08-2010
20100088226System and Method to Facilitate Charitable Giving - The invention comprises a process, design, and conceptualization of a global philanthropic fundraising effort, centered around a special day of recognition for each individual citizen in the USA and worldwide. The funds derived from pledges are to be used for charitable giving for such needs as Global AIDS and World Hunger. The invention enables a website and toll-free phone system that allows an individual to highlight the recognition of a person's special celebration with a nominal gift of giving back to the less fortunate and those in the world who are in most desperate need by making a monetary pledge to a charitable organization. In return, the pledge person or designated recipient will receive a personalized E-GRAM or recorded telephone call from an important, nationally or internationally known, celebrity.04-08-2010
20100138339METHOD AND SYSTEM FOR AN ONLINE-LIKE ACCOUNT PROCESSING AND MANAGEMENT - The present invention is embodied in an online-like transaction processing method and system for processing account information contained in batch process files, the method including: reading at least one batch file containing a plurality of records, each of the plurality of records being related to an associated one of a plurality of accounts; identifying which of the plurality of records relate to same ones of the plurality of accounts; identifying one of the accounts; and, processing all of the records identified as relating to the one of the accounts together and independent of processing any of the records relating to any other of the plurality of accounts.06-03-2010
20100138337MEDIA PURCHASE FROM WITHIN A VIDEO GAME ENVIRONMENT - In one example, a media purchase system is provided. The media purchase system includes: a media manager module that selectively coordinates a media file with an operating scenario in a video game; a selection manager module that manages a selection of the media file for purchase in the video game; and a media purchase module that manages a purchase of the selection in the video game.06-03-2010
20100100477COMPUTER NETWORK BASED SYSTEM AND METHOD FOR EDUCATION ACCOUNT REGISTRATION, INVITATION AND TRACKING - A web based system and method allows an adult relative or custodial adult subscriber to notify others of the pending special occasion for the designated person (beneficiary). The subscriber is provided the option to post family pictures and to set up a transfer account. The list of transfer accounts is then emailed or mailed notification of said date and is directed to the web site. The web site directs the invited persons to transfer money to the account. The transfer account's purpose is to allow financial gift giving for the custodian's designated account and purpose. The account is directed for educational and or special needs. The custodial recipient receives a notification of each gift.04-22-2010
20100082478APPARATUS & METHODS FOR DIGITAL CONTENT DISTRIBUTION - The present invention relates to methods and apparatus for digital content distribution. A method of transferring digital content from a first entity (04-01-2010
20090063332FLEXIBLE AUTOMATIC SAVINGS PROGRAMS - Flexible automatic savings programs and/or processes are provided in which a consumer is presented with multiple options for automatic savings to be applied to transactions, such that savings amounts are transferred from a first account to a second account automatically for qualified accounts and transactions. A financial institution can assist the consumer select one of the options to apply to automatic transfers. Transfer policy can thus be customized for a consumer according to their savings needs and goals. Participation is limited to common, or overlapping, ownership status with respect to both source and target accounts, though other ownership entities can also be present. The way that savings amounts are determined for automatic transfers can also be dynamically customized to savings characteristics or goals of the consumer as those characteristics or goals change.03-05-2009
20100100479Systems and Methods for Transaction and Information Management - Systems or methods for managing transactions within a controlled environment facility provide an information management engine integrating transaction functionality and telephone calling functionality, establish an account associated with a resident of the controlled environment facility, and use the information management engine to conduct transactions associated with residents of the controlled environment facility. The transactions include at least requests, by the resident, for deposits into the account by a party outside of the controlled environment facility. The systems or methods accept requests from the resident and utilize the telephone calling services of the information management engine to facilitate the request for deposit. The systems or methods may place calls to the individuals outside the controlled environment facility to interact with the individual, request the deposit and accept such deposits.04-22-2010
20110173118METADATA DRIVEN METHODS AND SYSTEMS TO PROCESS FINANCIAL DATA - A system and method are disclosed. The system identifies a first acquirer from a plurality of acquirers based on a first set of financial transaction records. The first acquirer is associated with a financial clearing house system and a plurality of first acquirer dependent software components. The system further generates a first acquirer settlement file based on the first set of financial transaction records. The generates the acquirer settlement file by utilizing the plurality of first acquirer dependent software components to process the first set of financial transaction records. Finally, the system communicates the first acquirer settlement file, over a network, to the financial clearing house system.07-14-2011
20110173117SYSTEM AND METHOD FOR PROCESSING RETRIEVAL REQUESTS - A system for processing transaction data is provided. The system includes a substitute draft system that receives a retrieval request and generates a substitute draft in response to the retrieval request. The system also includes a merchant interface that is connected to the retrieval system. The merchant interface generates a merchant request in response to the retrieval request. The system thus allows a substitute draft to be generated in response to the retrieval request that may eliminate the need for a merchant response with a sales draft to the request. The system provides for higher and more efficient completion of retrieval requests by ensuring that such retrieval requests receive at least a substitute draft response. By providing at least a substitute draft response to the card user, a chargeback for no response is avoided.07-14-2011
20090281943Systems and Methods for Collecting Bonds and Fines for Warrants and Traffic Tickets - Systems and methods are provided that allow law officers to carry out financial transactions with individuals having outstanding warrants who might otherwise be arrested. The system includes a wireless (typically cellular based) credit card/debit card transaction unit carried by the law officer during the process of serving the warrant, or during a traffic stop, wherein an outstanding warrant is identified. The system further includes a wide area network (Internet) connection that facilitates record keeping functionality associated with the posting of the bond or payment of the fine by the individual being addressed by the law officer. The appropriate financial transaction computer systems convey payment or posting of the bond to a database associated with the police station or the like. Likewise, wide area network (Internet) connections to databases associated with the judicial courts that may have issued the warrants are also secured for the purposes of verifying the posting of the bond or the payment of the fine. The real time updating of records in each of the various agency databases provides the necessary security for both the individual on whom the warrant is served, and for the agencies involved in executing the warrant.11-12-2009
20080319899SYSTEM AND METHOD FOR ELECTRONICALLY EXCHANGING VALUE AMONG DISTRIBUTED ENTITIES BASED ON ELECTRONIC MAIL ADDRESSES - A system and method for facilitating a value exchange transaction. A first party initiates the transaction by selecting or providing an identifier of another party and the value to be exchanged. The second party may be identified by a pre-existing identifier such as an electronic mail address, telephone number, etc. The system informs the second party of the transaction (e.g., using the specified pre-existing identifier). If the second party is not a registered user of the system, he or she is invited to register and complete the transaction. The system may comprise a synchronization server for exchanging transaction details with users' devices, a communication server for registering new users and/or conducting transactions online and a financial server for interacting with external financial institutions.12-25-2008
20090089207PREPAID BUDGET CALLING ACCOUNTS WITH OVERRUNS BILLED TO A CREDIT CARD - Prepaid services include offering a plurality of services. An account is configured to track usages of the plurality of services as well as associating a plurality of recurring balances with the account, wherein each balance is associated with a respective service of the plurality of services. It is possible to deduct an amount associated with providing a particular service for a period of time from the recurring balance associated therewith.04-02-2009
20080208736SYSTEM AND METHOD FOR SETTLING TRADES IN A DIGITAL MERCHANT EXCHANGE - A system and method for settling trades in a digital merchant exchange includes a buyer, a seller, a transaction agent, a network and a capital pool. The buyer and seller communicate through the network to agree on a contract. When the goods are received or the services are performed, the buyer issues a negotiable instrument that is received by the transaction agent. The transaction agent communicates with the buyer, seller, and capital pool through the network and facilitates the settlement of the trade. The system may call upon the capital pool to provide liquidity so that the system can issue payment to the seller at a time prior to the maturity date of the negotiable instrument.08-28-2008
20090043696Payment Processor Hosted Account Information - A payment processor may host account information such as an account number of a customer provided during a transaction with a point of sale of a merchant. The account information may be received by the payment processor without being stored at the point of sale. For example, the account information may be received by the payment processor via a web page that may emulate a terminal at the point of sale. The payment processor may store the account information and may establish a unique transaction identifier for the transaction. The unique identifier may be provided to the customer with a receipt and the account number may be provided to an entity that may provide payment the merchant to complete the sales transaction.02-12-2009
20100100478METHOD 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
20090276354METHOD AND SYSTEM FOR TRANSACTION PROCESSING - Methods and system for transaction processing are described. In one embodiment, a plurality of default parameters may be configured for value transfer. A transfer request including a transfer amount and a user account identifier may be received. One or more of the plurality of default parameters may be selected. The transfer request may be processed in the transfer amount based on the user account identifier and the one or more selected default parameters.11-05-2009
20090281942SYSTEMS AND METHODS FOR DONATING - Disclosed are systems and method for donating.11-12-2009
20090287601Network-Based Viral Payment System - A system and method for transferring funds among registered and unregistered users of a value exchange system comprises a server system for receiving value exchange instructions from a sender, where the value exchange instructions include a recipient who may not be registered with the system. The value exchange instructions initiate a computer-generated sequence for authenticating the identity of the recipient, permitting the recipient to designate a payment method, and transferring funds to properly authenticated recipients.11-19-2009
20090287599Monetary Transfer Approval Via Mobile Device - A mobile monetary transfer approval process is provided that allows clients to approve or reject monetary transfer requests by utilizing the client's mobile device, such as a cellular telephone and/or personal digital assistant (PDA). From such a client mobile device, user may view pending outgoing and incoming payments and approve or reject them in real time. In addition, an alert may be sent to the client mobile device responsive to the monetary transfer request being initiated. This may allow the client using the client mobile device to know when it is appropriate to go through the approval process, rather than having to periodically check for new monetary transfer requests.11-19-2009
20090313164METHOD OF ESTABLISHING AN ENDOGENOUS FUTURES MARKET FOR POLLUTANT EMISSION FEES - The method of reducing emissions of a pollutant by relying on a novel endogenous futures market to set the pollutant emission fees. The individual marginal cost (m12-17-2009
20120296809TRACKING DONATED PORTION OF TRANSACTION - A method for tracking use of an affinity account owned by a customer and organized in accordance with one or more account rules includes receiving information regarding a transaction conducted using an affinity account, the information comprising a transaction amount, determining, using a processing device, whether the transaction amount justifies making a donation according to the account rules, determining that the transaction amount justifies a donation according to the account rules, initiating a donation according to the account rules and tracking the transaction amount and the donation resulting from the use of the affinity account. In some embodiments, tracking includes storing information regarding the transaction including an amount of the transaction and storing information regarding the donation including an amount of the donation. The method also includes communicating some or all the stored information regarding the donation to the customer.11-22-2012
20120296812SYSTEMS AND PROCESSES FOR PROVIDING PERFORMANCE CONTENT ON A COMMUNICATION NETWORK - A system and process for operating a computer on a communication network involves providing a first performance environment, such as a first game, over the network to a first on-line user, receiving performance data from the first on-line user corresponding to the first on-line user's performance in the first performance environment. A value is defined for performance rights associated with the received data. A second performance environment that is separate from the first performance environment is provided over the network to a second on-line user, in which the second on-line user is able to make a performance. The second on-line user is provided with access to received data corresponding to the first on-line user's performance in the first performance environment, while the second on-line user is making a performance in the second performance environment.11-22-2012
20120296815PROCESS FOR LINKED HEALTHCARE AND FINANCIAL TRANSACTION INITIATION - Methods and systems for acquiring a pre-approval from a responsible party and receiving funds from a financial account related to the pre-approval in the healthcare field are described herein. A method for collecting payment from an individual for services rendered by a provider is disclosed. The method includes verifying an individual's eligibility for benefits, estimating an individual responsibility amount, acquiring authority from the individual for up to the individual responsibility amount on at least one financial account held by the individual, submitting one or more claims to one or more payer entities requesting compensation for the services rendered by the provider, deducting an amount from the at least one financial account held by the individual, and transferring the deducted amount to the provider.11-22-2012
20110208648BEARING INFORMATION ON A CARD - A financial transaction card is supplemented by position determining means which determines position coordinates for the card. The determined position is compared with a predetermined position stored in the memory to provide bearing data on the predetermined position from the position of the card. The card also includes a display for indicating the bearing. The card is particularly useful for indicating the bearing of the Kaaba from the position of the card.08-25-2011
20110208641HONORARY PAYMENT SYSTEM AND METHOD - Provided in some embodiments is a method for conducting a transaction for electronically transmittable items. The method includes receiving a request to purchase an electronically transmittable item of an internet vendor, wherein the electronically transmittable item is configured to be received via electronic transmission, requesting a voluntary payment from a purchaser in exchange for providing the electronically transmittable item, wherein the request comprises a request to provide the voluntary payment to one or more third party agents, providing the electronically transmittable item to the purchaser via electronic transmission prior to receiving the voluntary payment for the electronically transmittable item, and receiving the voluntary payment for the electronically transmittable item via at least one of the one or more third party agents.08-25-2011
20100280940PROXIMITY PURCHASE RINGTONES - A method of conduction transactions at a point-of-sale terminal using a wireless device is disclosed and may include initiating a transaction with the point-of-sale terminal via a wireless link, receiving at least one price from the point-of-sale terminal, determining whether the at least one price satisfies a price warning condition, and transmitting a first audible signal if the at least one price satisfies the price warning condition.11-04-2010
20100280943Mass Compromise/Point Of Compromise Analytic Detection And Compromised Card Portfolio Management System - A system and method for managing mass compromise of financial transaction devices is disclosed. A method includes maintaining a summary of a transaction history for a financial transaction device, and forming a device history profile based on the transaction history, the device history profile including predictive variables indicative of fraud associated with the financial transaction device. A method further includes generating a fraud score based on the predictive variables, the fraud score representing a likelihood that the financial transaction device is compromised will be used fraudulently.11-04-2010
20100280942METHOD AND SYSTEM FOR FACILITATING SWITCHING OF FINANCIAL INSTITUTION ACCOUNTS - Techniques for switching a financial institution account for a debit account holder are provided. A request to convert a financial institution account is received from a customer. Information is obtained from the customer and used to identify a list of possible financial institution candidates. The list of possible financial institution candidates includes financial institutions that have an on-going relationship with an existing payment association and are interested in offering a new financial institution account to the customer. A new financial institution account is then established with a financial institution selected from a list of possible financial institution candidates. Then, the new financial institution account is linked to one or more additional accounts. The one or more additional accounts may be an account with the customer's existing payment association or accounts associated with any recurring transactions.11-04-2010
20080249930INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company.10-09-2008
20080249928PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER - A request is received for a funds transfer. The request includes a destination telephone number. The destination telephone number is translated into a destination payment card account number. The funds transfer is routed as a payment transaction using the destination payment card account number.10-09-2008
20080249926COLLECTION 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
20100138338INTELLIGENT ALERT SYSTEM AND METHOD - A system and method for generating an intelligent alert message is disclosed. A user enrolls in the messaging service. Information that the user provides during the enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An intelligent alert message is generated based on the transaction data and the alert customization data. The intelligent alert message is sent to a user device. For example, after a user uses a portable consumer device to buy gas at a fuel dispenser in a gas purchase transaction, an alert message that is received by a user's phone may be “This is a gas purchase transaction. The amount may vary.” In this example, the amount of the purchase is not known until after the user buys gas.06-03-2010
20090063334Business-to-business transaction processing utilizing electronic payment network - Embodiments in accordance with the present invention relate to methods and systems allowing an electronic payment processing network to be utilized to conduct transactions between businesses (B2B) or other entities. In one embodiment, funds may be transferred between businesses (buyer, seller) through a payment processing network utilizing offsetting credit and debit transactions to an account with a dummy acquirer entity. This payment may be achieved utilizing only conventional message types (request for authorization, settlement) that are expected to be transmitted over the network during the course of a familiar merchant/consumer purchase transaction.03-05-2009
20080228637SPENDING AND SAVINGS SECONDARY LINKED ACCOUNTS - Embodiments describe a method and a system to link a secondary account to a primary account with an account management module associated with the primary account and to control access to funds in the secondary account with respect to a secondary account holder through the account management module. The secondary account includes a spending account and a savings account.09-18-2008
20080228639System and Method for Providing Prepaid Language Interpretation Services - A method is provided. The method provides a user with a prepaid account with a predetermined number of units for language interpretation service. Further, the method provides a live language interpretation service, through a telephone call, to the user. In addition, the method deducts one or more units from the predetermined number of units in the prepaid account based on a duration of the telephone call in addition to any units deducted by a telephone service provider for telephone service based on the duration of the telephone call.09-18-2008
20080228640Method and system for a digital automated exchange - A method and system exchanges assets defined as digital automated equities which are objects instantiated with attributes of an asset. Digital automated equities are registered on a common system exchange as offeror mediary objects and matched by comparing their attributes. Capital exchange offer objects define desired matches by identifying a digital automated equity associated with an exchange offer, a exchange price for the exchange and one or more conditions associated with the exchange. A match use case compares attributes of capital exchange offers to determine matches based on the closeness of the capital exchange offers and a negotiate transaction use case supports communication between owners associated with close capital exchange offers to alter attributes in response to a match. Once a transaction is complete, a settle transaction use case exchanges the digital automated equities. Digital automated equities may include a variety of assets, including intellectual property such as patents and trademarks, business plans, stock and confidential information. Further, the present invention provides a secure format for exchange of confidential information in stages.09-18-2008
20080228638METHOD AND SYSTEM OF CONTROLLING LINKED ACCOUNTS - Embodiments describe a method and a system to link a secondary account to a primary account and to control transfer of funds from an outside source to the secondary account. In an additional embodiment, the secondary account includes an dependent source portion controlled by an account management module and an independent source portion controlled only by a secondary account holder management module. In another additional embodiment, the account management module includes an account suspension feature to enable suspension of the secondary account.09-18-2008
20080281753HANDLING 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
20110202455PREPAID ACCOUNT FUNDS TRANSFER APPARATUSES, METHODS AND SYSTEMS - The PREPAID ACCOUNT FUNDS TRANSFER APPARATUSES, METHODS AND SYSTEMS (“PAFT”) transform prepaid account invitation requests via PAFT components into scheduled prepaid account transactions. In one embodiment, the PAFT obtains, from a transferor user holding a transferor prepaid account, a prepaid account invitation request specifying a transferee user and a prepaid funds transfer amount. The PAFT generates a customized prepaid account invitation for the transferee user based on the prepaid account invitation request, and provides the customized prepaid account invitation for the transferee user. Upon obtaining an invitation acceptance from the transferee user in response to the provided customized prepaid account invitation, the PAFT creates a transferee prepaid account for the transferee user, and transfers, upon creating the transferee prepaid account, the prepaid funds transfer amount of funds specified in the prepaid account invitation request from the transferor prepaid account to the created transferee prepaid account.08-18-2011
20080288395Method and apparatus for payment retrieval and review collection - A method for conducting a review including the step of detecting a payment request from a vendor; generating a review based on the payment request; and, transmitting a reference to the review to a customer, wherein the reference provides a link to retrieve the review. A system for performing the method is also described.11-20-2008
20090265269System and Method for Providing a Swap System in a Network Environment - A swap system is provided that includes an interchange platform operable to receive and process transaction information from one or more companies that are included in a group of network companies. The transaction information being generated by one or more end users transferring a first monetary value from a first gift card issued by a first company, belonging to the group of network companies, to a universal card such that the universal card reflects a discounted second monetary value. The end user can use the universal card in a transaction involving a second company belonging to the group of network companies. The first company is required to credit back a majority of the first monetary value through the swap system. In more particular embodiments, a swap network entity is provided that receives a fee based on transactional activity in the swap system.10-22-2009
20090265268METHOD AND SYSTEM FOR MATCH MAKING IN VIRTUAL CURRENCY EXCHANGE - A method, system and computer program product are disclosed for matching virtual currency exchange requests. The method comprises the step of creating a virtual currency exchange network comprised of a set of nodes and a set of edges connecting the nodes together. Each of the nodes represents a virtual currency type, each of the edges represents a virtual currency exchange request, and one of the edges represents a current virtual currency exchange request. A plurality of paths are identified in the network as potentially fulfilling the current virtual currency exchange request. Each of these paths is comprised of at least two edges of the network, and each of the paths represents one way to fulfill the current virtual currency exchange request. One of those paths is selected, using a defined set of criteria, as an optimal path for fulfilling said current virtual currency exchange request.10-22-2009
20080313076DOWNSTREAM CORRESPONDENT FOREIGN EXCHANGE (FX) BANKING - Systems and methods that enable real-time (or almost real-time) foreign exchange (FX) pricing via retail branch networks, wire room operations and cash management platforms are provided. Essentially, the systems and methods decouple the FX-infrastructure and enable downstream banks to effectively and efficiently access FX transaction services and infrastructure without the need to locally manage such an FX platform. In doing so, an FX generation component is employed in connection with standard downstream mechanisms to provide necessary information to a partner FX processing component. The partner FX processing component conveys information to the downstream environment while shielding the downstream entity from risks and costs involved in FX operations.12-18-2008
20080313075PAYMENTS-DRIVEN DYNAMIC FIREWALLS AND METHODS OF PROVIDING PAYMENTS-DRIVEN DYNAMIC ACCESS TO NETWORK SERVICES - A machine-implemented method of providing dynamic access to network services may include receiving a request from a client for a type of network service, monitoring an amount and type of network service being provided to the client, and receiving incremental payments from the client for the network service being provided as the network service continues to be provided. The method may include dynamically modifying access to the network service for the client based on a set of rules. The rules may be based on one or more of the monitored amount of network service, the type of network service, and the payments received.12-18-2008
20120296810SECURE CARGO TRANSPORTATION SYSTEM - A method of controlling access to a movable container, the method comprising controllably locking the container using an electronically actuated locking mechanism; storing in a memory a desired geographical location; determining the geographical location of the container; and enabling the locking mechanism to unlock the container if the determined geographical location matches the desired geographical location. Apparatus, including secure cargo transportation systems are also disclosed.11-22-2012
20120296814System and method for facilitating large scale payment transactions - A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives a request to make a payment on an end user's account with a service provider. The computer system of the intermediary may communicate with the computer system of the service provider by logging on to the web page of the service provider as the end-user, and entering a universally accepted open system number and the amount of the payment received from the end user's source of funds to effect payment on the end user's account with the service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day.11-22-2012
20120296813System and method for facilitating large scale payment transactions - A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives and fulfills a request to make a payment on an end user's account with a service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day.11-22-2012
20120296811AUTOMATED TRANSACTION APPARATUS, AUTOMATED TRANSACTION METHOD, AND PROGRAM STORAGE MEDIUM - An automated transaction apparatus is disclosed, which includes an identification section that, when a plurality of types of currency having mutually different currency units have been inserted, identifies the inserted currency; and a controller that effects control of a transaction with a user based on identification results determined by the identification section.11-22-2012
20120296808Trade-Credit Exchange Apparatus - An apparatus configured with software that enables participants to exchange trade-credit comprising one or more databases and processing components and which utilizes automated value matching algorithms and trade search engine algorithms to discover and process exchange paths.11-22-2012
20100306102Web Service Network Portal - The present invention provides a method and apparatus for providing real-time, two-way transactional capabilities on the Web. Specifically, one embodiment of the present invention discloses a method for enabling object routing, the method comprising the steps of creating a virtual information store containing information entries and attributes associating each of the information entries and the attributes with an object identity, and assigning a unique network address to each of the object identities. A method is also disclosed for enabling service management of the value-added network service, to perform OAM&P functions on the services network12-02-2010
20080313074Business model that brings new technology to market in a rapid, cost effective manner - A system, model and method for commercializing a consumable product used in capital equipment by selling the consumable product in a first sale directly to a builder of capital equipment integrally with the sale of the capital equipment at a first price then making a second sale of the consumable product through a different sales path at a second price to a purchaser and/or operator of the capital equipment such that the second sale at the second price is sufficient to cover the development costs of the consumable product and generate a profit for a supplier of the consumable product.12-18-2008
20080275814Data transaction profile compression - Techniques for compressing data transaction history profiles are disclosed. Such profiles can include a plurality of profile variables with each profile variable comprising a real number that provides a factor for determining whether a proposed data transaction is indicative of fraud. A bit string is generated for each profile variable in the profiles that characterizes a first value plus a second value. The first value is equal to a mantissa for the real number corresponding to the profile variable. The second value is equal to a number of orders of magnitude above a minimum required expressed as multiples of the number of orders magnitude required to represent the plurality of real numbers in each the plurality of transaction history profiles divided by a range of bits. The generated bit string is stored as compressed profile variable within the data transaction history profiles. Related systems, apparatus, methods, and/or articles are also described.11-06-2008
20080275815CROSS-ENVIRONMENTALLY RELEVANT ITEM COMPLEXITY MANAGER FOR CARBON REDUCTION, RENEWABLE ENERGY, ENERGY EFFICIENCY AND POLLUTION REDUCTION - Methods and systems for facilitating exchange of rights associated with environmentally relevant items are provided. The methods and systems may include identifying a carbon reduction credit as an environmentally relevant item recognized by a jurisdiction associated with a first type of environmentally relevant action, identifying a renewable energy credit as an environmentally relevant item recognized by a jurisdiction associated with a different type of environmentally relevant action, identifying an energy efficiency credit as an environmentally relevant item recognized by a jurisdiction associated with a different type of environmentally relevant action, identifying a pollution reduction credit as an environmentally relevant item recognized by a jurisdiction associated with a first type of environmentally relevant action and providing a cross-environmentally relevant item complexity manager module by which a user can manage actions relevant to all of the types of environmentally relevant items.11-06-2008
20110208647System and Method for Crowd-Based Resource and Data Management - A system for crowd-based data and resource management, comprises, an application server adapted to perform a method of data management comprising providing an interface for posting an idea, providing an interface to search for an organization, providing an interface to enable a user to donate to the organization, providing an interface to share information about the organization, and providing an interface to view analytics about the organization.08-25-2011
20080270298Altering Card-Issuer Interchange Categories - This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions and the accompanying potential fee savings. In some embodiments, the tools receive parameters for interchange categories and transaction information for merchants that have been charged interchange fees based on some of these categories. The tools may determine, based on these parameters and transaction information, parameter changes that enable similar credit-card transactions to be assigned a lower-cost interchange category and the accompanying potential fee savings.10-30-2008
20100145848System and Method for Providing Credit Card with Back-End Payment Filtering - A credit card transaction processing system that, in various embodiments, is configured for: (1) receiving transaction data related to a reimbursable charge made on the credit card by a credit card holder; (2) analyzing the transaction data to determine whether the charge may be auto-substantiated; (3) in response to determining that the charge may be auto-substantiated, auto-substantiating the charge; and (4) in response to the charge being auto-substantiated, reimbursing the credit card holder for at least a portion of the charge at least substantially without human intervention.06-10-2010
20110270745System and Method for Facilitating Charitable Donations - A method suitable for electronically facilitating a transaction between a donor and a recipient comprises the steps of: matching the recipient to the donor based on at least one predetermined matching criterion; transferring at least a first portion of a donation amount from the donor to the recipient; and transmitting donor web content to the recipient in response to conditional acceptance by the recipient of at least the first portion of the donation amount.11-03-2011
20120036064UNIVERSAL MERCHANT APPLICATION, REGISTRATION AND BOARDING PLATFORM - A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand.02-09-2012
20090063333Apparatus And Method For Payment Card Account Personalization - Techniques for payment card account personalization include obtaining access to data describing a first set of parameters associated with the payment card account and obtaining indications of a first change in a life situation of an account holder. The first change may be one that has occurred since establishment of the first set of parameters. Presentation of a first menu of updated parameter choices to the holder is facilitated. The presentation of the first menu can be based upon the first change in the life situation of the holder. A holder selection can be obtained from the first menu, including data describing a second set of parameters associated with the payment card account, the second set of parameters being different than the first set of parameters. The payment card account then operates according to the second set of parameters. In some instances, account parameters can be updated across multiple financial institutions, by a service provider.03-05-2009
20110270744MOBILE TANGIBLE VALUE BANKING SYSTEM - A mobile tangible value banking system is disclosed. A mobile tangible value banking system enables a consumer entity to make a withdrawal from or deposit to their bank account by physically exchanging tangible value with a banking agent and correspondingly verifying the deposit or withdrawal using a mobile device. The consumer entity and the banking agent may be mobile and free to meet in a predetermined location, which may allow banking services to enter remote areas of emerging markets.11-03-2011
20110270742SYSTEM, SOFTWARE APPLICATION, AND METHOD FOR DISPLAYING THIRD PARTY MEDIA CONTENT IN A PUBLIC SPACE - A system, method, and computer software application for the delivery and display of third-party multi-media content in a public space on locally managed display devices, wherein the delivery and presentation of the third-party multi-media content is manageable remotely from the public space, sale of display time for display on the locally managed display devices is manageable independently from local management, and the display and remote-management of the third-party content can co-operate with an incumbent multi-media management and display application operating on the locally managed display devices without requiring a re-tooling or custom programming of the incumbent multi-media management and display application.11-03-2011
20110208642TRANSACTION SCORING SYSTEM AND METHOD - Provided in some embodiments is a method for conducting an honorary credit transaction. The method includes receiving a request to purchase an electronically transmittable item of an internet vendor, wherein the electronically transmittable item is configured to be received via electronic transmission, assessing honorary credit worthiness of a purchaser requesting to purchase the electronically transmittable item from an internet vendor via electronic transmission, and if the honorary creditworthiness of the purchaser satisfies a credit threshold: providing honorary credit to the purchaser in exchange for an honorary commitment to provide payment for the electronically transmittable item to one or more agents, wherein the honorary commitment comprises a non-legally binding commitment to provide payment to the one or more agents for purchase of the electronically transmittable item, and providing the electronically transmittable item to the purchaser via electronic transmission prior to receiving payment for the electronically transmittable item.08-25-2011
20130191278Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - A computer implemented system is provided for processing payments. A server including a computer memory storing a first database including a directory is provided. The directory includes authenticated registrant information comprising authenticated information for a payee, the directory identifying via a publicly available account identifier at least one linked account of said payee. The system also includes a payor computer having access to the directory and a first bank computer linked via a computer network to the server, the first bank computer configured to access payor account information from a payor account at the first bank. The first bank computer is also configured to receive payment information from the payor computer identifying the payee and to transmit a payment from the payor account at the first bank to the linked payee account located at a second bank07-25-2013
20090119205SECURE AND EFFICIENT PAYMENT PROCESSING SYSTEM - A method is provided for carrying out commercial transactions. The method includes the steps of: establishing a transaction processing system on an electronic communications network; establishing an account within the transaction processing system for a corresponding account holder; obtaining from the account holder a session description of acceptable future commercial transactions related to the account; administering commercial transactions carried out via the transaction processing system; and, verifying that administered commercial transactions related to the account meet one or more of the session description.05-07-2009
20090043693System and Method for Licensing Fee Distribution - A method, machine-readable medium and system for distributing licensing fees are described. According to one embodiment, the system includes: a content presentation system comprising a server coupled to content presentation terminals to present content; a means for receiving licensing fees from a licensee of the content presentation system; a means for distributing a portion of the licensing fees into a licensing fund; a means for tracking cumulative times each content is made available over all of the content presentation terminals in a period; a means for tracking total cumulative time for all the interactive programs over all of the content presentation terminals in a period; and a means for distributing a share of the licensing fund to each of the licensors of the content, the share of the licensing fund based on the fraction of the cumulative time for the corresponding content divided by the total cumulative time.02-12-2009
20120185380SYSTEM AND METHOD OF RESUME INFORMATION VERIFICATION AND CERTIFICATION - A resume information verification and certification system is implemented on a website. A user creates a resume using the website interface and includes information regarding work history. For each position, the user can also include information regarding a contact at the organization where the user worked who can verify the work history details. The website system automatically verifies that the contact information provided belongs to a contact at the organization by comparing the email address domain with the organization's domain. The system then transmits the information to the contact in an email, along with an explanation of the site and a request for the contact to verify the work history information provided. The contact confirms or denies the information. The system notifies the user of the confirmation or denial and includes this in the user's resume on the website. Employers subscribe to search and access user resumes with verified information.07-19-2012
20110208645VIRTUAL FARE CARD AND VIRTUAL FARE DEVICE - Embodiments of systems, methods, and machine-readable media are disclosed for enabling a uniquely-identifiable item as fare media in a transit system. Embodiments generally include collecting a unique identifier from the item, and sending the unique identifier, and other data, to a virtual fare device. The virtual fare device can use the unique identifier to access historical and/or other information associated with the unique identifier, calculate a fare, and/or update the information in a manner similar to how a physical fare device updates information on physical fare media, such as a stored-value card. The virtual fare device then can send data, such as priced transaction data including fare information, to other systems and/or servers of the transit system for further processing.08-25-2011
20110208643HONORARY CREDIT SYSTEM AND METHOD - Provided in some embodiments is a method for conducting an honorary credit transaction. The method includes providing a system configured to provide honorary credit to a purchaser in exchange for an honorary commitment to provide payment for electronically transmittable item to one or more agents, wherein the honorary commitment comprises a non-legally binding commitment to provide a payment to the one or more agents for purchase of the electronically transmittable item, receiving a request from a first purchaser to provide a second purchaser honorary credit in exchange for an honorary commitment to provide payment for an electronically transmittable item to one or more agents, providing the second purchaser honorary credit in exchange for an honorary commitment to provide payment for the electronically transmittable item to one or more agents, providing the electronically transmittable item to the second purchaser via electronic transmission prior to receiving payment for the electronically transmittable item, and if a payment is received for the electronically transmittable item via at least one of the one or more agents, providing an incentive to the first purchaser.08-25-2011
20110208640TICKETED FUNDS TRANSFERS BETWEEN A BROKERAGE ACCOUNT AND A DEPOSIT ACCOUNT - Systems, apparatuses, and methods may include establishing an omnibus account for conducting financial transactions with a financial institution, establishing a brokerage account for each of a plurality of customers, receiving a plurality of order requests to make transfers of respective customer-specified monetary amounts between a subset of the brokerage accounts and the omnibus account, aggregating the monetary amounts to determine a net monetary amount based on the order requests, generating a payment order based on the net monetary amount, communicating the payment order to the financial institution, and receiving confirmation from the financial institution in response to the payment order to execute the order requests.08-25-2011
20090164368Private Label Promotion Card System, Program Product, And Associated Computer-Implemented Methods - Embodiments of the present invention provide a private label promotion card as a bank product, being issued and managed by the bank and using an open payment network for purchase authorization and payments. A bank computer processes activation information for a promotion card and receives finds into an account at the bank on behalf of a retailer for payment for the promotion card, perhaps at a discount to a customer value of the promotion card. The bank computer authorizes purchase requests to use one or more activated promotion cards as payment for a consumer purchase from the retailer via an open payment network and transfers funds to the open payment network to satisfy the authorized consumer purchase. Upon expiration, the bank computer sweeps the account of the remaining value for expired promotion cards to thereby establish a credit for the bank.06-25-2009
20090164366PAYMENT VOUCHER GENERATION FOR FINANCIAL TRANSACTIONS - The preferred embodiments of the present invention are directed to consummating a financial transaction using payments vouchers. A merchant code associated with a merchant is received by a financial institution terminal, which verifies the merchant code against a stored code. A payment voucher is generated in response to the verification. The voucher includes an encoded message that indicates the voucher is authentic.06-25-2009
20090144194COMPUTER AUTOMATED SYSTEMS, DEVICES AND METHODS FOR DATA PROCESSING OF ACCOUNTING RECORDS - Devices, systems, methods and arrangements are implemented in variety of manners. In a specific instance, a computer arrangement implements the following operations for a transaction involving a plurality of merchant offerings that are parseable by merchant offering identifiers. For a plurality of identified buyer accounts from which monetary payables (e.g., cash, credit and/or debit limits) are tracked, stored data sets are accessed that are indicative of types of merchant offerings to be associated with particular ones of the plurality of buyer accounts. Payment is facilitated for the items as a function of at least one of the plurality of buyer accounts. Payment is tracked for the items as a function of the merchant offering identifiers.06-04-2009
20090006250METHODS AND SYSTEMS FOR TRACKING AND REPORTING FINANCIAL TRANSACTIONS - This disclosure describes, generally, methods and systems for tracking and reporting multiple financial transactions. The method may include initiating a financial transaction by a user at an interface. The financial transaction may include multiple transactional steps. The method may further include generating notifications corresponding to the plurality of transactional steps. A first notification may be configured to indicate to the user that payment for the transaction has been initiated. A second notification may be configured to indicate to the user that the transaction has been processed and released for payment, and a third notification may be configured to indicate to the user that the transaction's funds have been made available.01-01-2009
20090006247Services for Billing and Management of Consumable Resources - Provided are systems and services for billing and managing on-demand access to consumable goods and services. The system allows a user to consume resources via an application on a computing device by connecting to a service and requesting access to the resource based on a stored balance associated with a user ID and resource ID. If it is determined by the service that the user has the rights to access the resource, then access to the resource may be granted via the application. If it is determined by the service that the user does not have the rights to access a resource, a right to access the resource may be purchased from the service.01-01-2009
20090177579Transaction System Supporting Dynamic Currency Conversion - Disclosed is a method of performing a funds transaction that includes providing the option to perform the transaction using dynamic currency conversion and apparatus for performing dynamic currency conversion. The method may include identifying whether a transaction is eligible for dynamic currency conversion and if so allowing an operator to enter a nominated currency and subsequently conducting the transaction in the nominated currency. Otherwise the transaction may be performed in a default currency.07-09-2009
20090177580COLLECTION OF ELECTRIC VEHICLE POWER CONSUMPTION TAX - A method of collecting electric vehicle power consumption tax for charge transferred between a local power source and an electric vehicle comprises: providing a network-controlled charge transfer device, charge transfer being controlled by a controller, the controller being connected to a network for communication to a server; requesting by an operator of the electric vehicle to the controller for charge transfer; relaying the request from the controller to the server; determining by the server, from geographical tax rate data and the geographical location of the network-controlled charge transfer device, an applicable tax rate on the charge transfer; enabling charge transfer by communicating from the server to the controller to activate the control device; monitoring the charge transfer using a current measuring device, the controller being configured to monitor the output from the current measuring device and to maintain a running total of charge transferred; detecting completion of the charge transfer; and on detecting completion, processing payment with said payment source, which may include deducting the cost of charge transfer from a subscriber account containing pre-transferred funds, and disabling charge transfer; wherein the request for payment includes the electric vehicle power consumption tax.07-09-2009
20090177577RENTAL NETWORK SECURITY SYSTEM AND METHOD - A system and method of facilitating a rental transaction of a tangible item is provided. Initially, a lessee pickup code is communicated from a borrowing party to an owning party upon exchanging the tangible item between the owning party and the borrowing party. The owning party subsequently transmits the lessee pickup code to a central controller. A rental period for the exchanged tangible item begins upon verifying, by the central controller, that the lessee pickup code sent by the owning party is the lessee pickup code originally provided to the borrowing party. When the tangible item is returned to the owning party, the owning party communicates a return code to the borrowing party. The return code is transmitted by the borrowing party to the central controller. The central controller verifies that the return code is the return code originally provided to the owning party.07-09-2009
20090187506System in which new production creates new money - An economic system includes a method of keeping consumption equal to production by creating new money only in response to new production. The method includes the steps of an employer ordering new production including one of a new good and/or service and an earner performing the new production for the employer. The earner's account is credited new money for the value of their contribution of the new production. The employer's account is debited a like amount of money as the amount of the new money equal to the company's profit from the new production by a clearing house and a percent of the debited like amount of money is distributed by a prearranged formula to prevailing governments in lieu of taxes.07-23-2009
20090063331METHODS AND SYSTEMS FOR EXECUTING A PLURALITY OF MONEY TRANSFERS HAVING A FLUCTUATING PARAMETER - Systems and methods are provided for executing a plurality of money transfers, at least one term of which is dependent on the value of a fluctuating parameter, for example a currency exchange rate or the amount of a transaction service fee. The customer may stage a first money transfer at a money-transfer system and a first value of the fluctuating parameter may be determined by a host processor. The first money transfer may then be executed by the money-transfer system using the first value of the fluctuating parameter and a unique lock-in value identifier may be stored in the host processor's memory that associates the first value of the fluctuating parameter with the customer. When the customer stages a second (and any subsequent) money transfer at the money transfer system, a second value of the fluctuating parameter may be determined by the host processor. The first value of the fluctuating parameter may be retrieved from the host processor's memory using the lock-in value identifier and, in one embodiment, a determination may be made as to whether the first value or second value is more favorable to the customer for executing the second money transfer. The second money transfer may then be executed using the more favorable value of the fluctuating parameter. In one embodiment, the customer may be notified of the savings realized.03-05-2009
20130218755RENEWABLE RESOURCE DISTRIBUTION MANAGEMENT SYSTEM - Energy resource dispensing terminals can be added one-at-a-time to a wide area resource distribution system very easily where needed as needed. Each terminal can dispense any of a number of types of energy resources such as electricity, compressed hydrogen, compressed air, and waste vegetable oil. The energy dispensing terminal includes a terminal control computer that interacts with customer computing devices, such as personal, portable computing devices or onboard computers installed in vehicles to effect negotiation and fulfillment of energy resource purchase transactions. A resource sharing server facilitates such transactions by maintaining and verifying identities of customers and sellers along with financial account information such that a registered customer can purchase energy resources from any seller registered with the same resource sharing server.08-22-2013
20130218756CHARGING PAYMENT SYSTEM AND TARGET APPARATUS USED IN THE SAME - A charging fee payment system is used for a payment process for a payment of a charging fee to charge a target apparatus with a charging apparatus. The target apparatus includes a memory, a controller, and a communication section. When the charging apparatus does not have a function to communicate with an external server that performs the payment process, the memory stores an unique ID code of the charging apparatus and electricity usage data indicative of the amount of electricity used by the charging apparatus to charge the target apparatus. The controller allows the target apparatus to be charged with the charging apparatus on a condition that the ID code remains stored in the memory. When the communication section becomes able to communicate with the external server, the communication section sends the ID code and the electricity usage data stored in the memory to the external server.08-22-2013
20090144192METHOD AND SYSTEM OF AGGREGATING CONSIDERATION ASSOCIATED WITH A REQUEST - A method, apparatus and system of method and system of aggregating consideration associated with a request is disclosed. In one embodiment, a method includes generating a request (e.g., may include a performance request, an article request, a mission and/or an altruistic request) of an entity based on a set of parameters provided by an initiating patron of the entity, allocating an initial consideration to the request from the initiating patron, generating a profile of the request having the initial consideration in a request aggregation environment and allocating, to the initial consideration, an additional consideration provided when a different patron contributes the additional consideration to the request. The method may include determining whether contact information of the entity provided by the initiating patron and the different patron references to a verified contact data and communicating the request to the entity based on the contact information and the verified contact data.06-04-2009
20130218760FINANCIAL TRANSACTION TOKEN WITH ONBOARD POWER SOURCE - There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality.08-22-2013
20130218761SYSTEM, METHOD,COMPUTER PRODUCT AND WEBSITE FOR AUTOMOBILE COLLISION REPAIR - A system, method, computer product and website for provides full service concierge style vehicle mechanical repair, collision repair, aftermarket installation services and restoration services. The system, method, computer product and website relate to new and improved means for coordinating automobile collision and mechanical repair services. The claimed invention is also adaptable for use with restoration and aftermarket installation services. More specifically, the claimed invention relates to use of a secure website to offer an exclusive, comprehensive and convenient concierge style auto repair solution for modern lifestyle type customers.08-22-2013
20090327123METHOD FOR MINIMIZING OVERDRAFT CHARGE-OFF - A method for minimizing overdraft charge-off in a bank account includes: 12-31-2009
20090012896SYSTEMS AND METHODS FOR AUTOMATED VENDOR RISK ANALYSIS - Systems and methods for automated vendor risk analysis are described. In one described method for automated vendor risk analysis, an analyzer receives payment transaction data associated with a vendor, compares the payment transaction data to a plurality of vendor fraud control measures, identifies the vendor or transaction associated with the payment transaction data as potentially fraudulent, and generates a notification regarding the potentially fraudulent vendor or transaction.01-08-2009
20090012894FINANCIAL ARRANGEMENT AND METHOD FOR ACQUIRING AN ASSET - A system and method of acquiring an asset by a purchaser. The method begins by a purchasing entity purchasing an asset. A contractual relationship between the purchasing entity and the purchaser is then established. The purchaser agrees to pay a periodic fee to utilize the asset and equity is built by the purchaser in the asset by conducting specified transactions. The purchaser pays periodic fees, thereby allowing utilization of the asset. The purchaser conducts the specified transactions with a partnership entity affiliated with the purchasing entity. Equity is then built in the asset by the purchaser by conducting the specified transactions. Total ownership of the asset is transferred from the purchasing entity to the purchaser when the equity equals a specified amount. Additionally, transaction fees may be incurred by the partnership entity to the purchasing entity for each specified transaction. The asset may be any valuable item, such as a home, vehicle or other real or personal property.01-08-2009
20090024519TRANSACTION PRODUCT WITH SEPARABLE PIECES - A transaction product includes a substrate and an account identifier. The substrate defines a plurality of pieces separable from a remainder of the substrate. Following separation of the plurality of pieces from the remainder of the substrate, the plurality of pieces are configured to be assembled with one another to define a three-dimensional object. The account identifier is attached to the substrate and links the transaction product to at least one of an account and a record, wherein the account identifier is machine readable by a point-of-sale terminal. Stored-value cards, combinations, methods of facilitating use of a transaction product and other embodiments are also disclosed.01-22-2009
20090198613Method and apparatus for group decision making - A method and apparatus are provided for group decision making. In one example, the method includes receiving bids from group members on choices, calculating a choice winner based on the bids, calculating a pot based on the bids, redistributing the pot based on the bids, and displaying results to the group members.08-06-2009
20110145142METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES - The present invention relates to a method and apparatus for issuing and redeeming a gift certificate drawn on a credit card or other financial account.06-16-2011
20110145141METHOD AND APPARATUS FOR RECHARGING ELECTRIC VEHICLES - An electric vehicle recharge station includes a housing with an outlet switchably coupled to an electrical electric power source. A vehicle connectible plug is removably mounted on the housing and connected to the outlet for supplying electric power from the outlet to the vehicle. The housing is mountable on top of a concrete pedestal embedded in the ground. The vehicle connectible plug is connected to the outlet by a coiled electrical cord. The housing supports two outlets and two J1772 plugs. A user interface communicates and receives instructions to and from the user via a touch screen display. The user interface provides selection of power charge time periods, stations on the housing, and payment. The housing can be configured for home use via a wall mount or as a wall mount for a parking garage.06-16-2011
20110145140METHODS, APPARATUS, AND SYSTEMS FOR SUPPORTING PURCHASES OF GOODS AND SERVICES VIA PREPAID TELECOMMUNICATION ACCOUNTS - Apparatus and method for detecting in real-time when a User of a prepaid telecommunications account tries to complete a data, voice or financial transaction to purchase a product or service but cannot, due to insufficient funds in the Prepaid Account. The system then determines whether the Account is eligible to receive a Facilitation according to predetermined criteria and, if so, either (1) automatically authorizes the transaction to be completed based on a Facilitation amount, subsequently recorded by the system to satisfy the insufficiency, or (2) instantly communicates to the User an offer to do so, and if the User accepts the offer, authorizes the transaction and records the Facilitation amount. The transaction can then be completed without significant interruption. A mechanism is provided such that on the next Topping-Up event(s) of the User's Account, the Facilitation amount is debited from the User's Account for return to the Facilitator.06-16-2011
20110145139METHODS, APPARATUS, AND SYSTEMS FOR SUPPORTING PURCHASES OF GOODS AND SERVICES VIA PREPAID TELECOMMUNICATION ACCOUNTS - Apparatus and method for detecting in real-time when a User of a prepaid telecommunications account tries to complete a data, voice or financial transaction to purchase a product or service but cannot, due to insufficient funds in the Prepaid Account. The system then determines whether the Account is eligible to receive a Facilitation according to predetermined criteria and, if so, either (1) automatically authorizes the transaction to be completed based on a Facilitation amount, subsequently recorded by the system to satisfy the insufficiency, or (2) instantly communicates to the User an offer to do so, and if the User accepts the offer, authorizes the transaction and records the Facilitation amount. The transaction can then be completed without significant interruption. A mechanism is provided such that on the next Topping-Up event(s) of the User's Account, the Facilitation amount is debited from the User's Account for return to the Facilitator.06-16-2011
20110145138Browser extension that processes text to facilitate commerce on social media - A system (FIG. 06-16-2011
20110145137APPARATUSES,METHODS AND SYSTEMS FOR A TRACKABLE VIRTUAL CURRENCIES PLATFORM - The APPARATUSES, METHODS AND SYSTEMS FOR A TRACKABLE VIRTUAL CURRENCIES PLATFORM (“TVC”) transform user transaction request input via various TVC components into transaction result output. In one embodiment, information regarding a virtual currency transaction including a user identifier of a user associated with the virtual currency transaction may be received. A potential fraud event threshold score for the user may be calculated by analyzing past fraud data associated with the user, and a virtual currency transaction fraud score may be calculated by analyzing the user's social graph and the user's prior game play patterns. If the virtual currency transaction fraud score exceeds the potential fraud event threshold score for the user, the virtual currency transaction may be identified as potentially fraudulent.06-16-2011
20090063337PAYMENT TERMINAL, PAYMENT SYSTEM AND COMPUTER-READABLE MEDIUM - Disclosed is a payment terminal including: a connection section to connect to a data processing apparatus including an output section to output data; a payment control section to send a first instruction to the data processing apparatus through the connection section to allow the output section to output payment data to be used in payment processing when a payment instruction is received from the data processing apparatus through the connection section, and to perform payment processing; and an output control section to send a second instruction to the data processing apparatus through the connection section to allow the output section to output a result of the payment processing by the payment control section.03-05-2009
20090083178METHOD AND APPARATUS FOR PROVIDING MORTGAGE - A method is provided including collecting a first upfront enhancement fee from a first party to a sale involving a first real property, placing the first upfront enhancement fee into a pool account having a plurality of upfront enhancement fees, and lending a first amount of money to a borrower who is purchasing the first real property as part of a first loan, wherein the terms of the first loan are more favorable because of the first upfront enhancement fee. The method may further include retaining and servicing the first loan, and retaining the first upfront enhancement fee in the pool account as a loss reserve.03-26-2009
20090083177PRODUCTS AND PROCESSES FOR REVENUE SHARING AND DELIVERY - Various techniques of distributing revenue and/or other money, selecting/bonding delivery agents, and performing other tasks are providing herein. Methods include distributing portions of loan payments to one or more referrers associated with one or more loans, bonding of delivery agents, selecting delivery agents, allocating portions of credit card payments and/or sharing advertisement revenue. Other apparatus and methods are disclosed.03-26-2009
20120078780TRANSACTIONAL SAVINGS AND INVESTMENTS - A method of transactional savings is described. First and second portions of a total amount associated with a transaction may be identified. The first portion and the second portion may be different monetary funds of the total amount of monetary funds. A first account of a customer associated with an entity may be determined, and an amount of debt of monetary funds of the first account may be determined. The first portion of the total amount of monetary funds may be applied against the amount of debt of the first account, and the second portion may be maintained in a second account of the customer. Occurrence data representative of an occurrence of a triggering event associated with a transactional savings program of the entity may be received, and an amount of the second account to permit access to by the customer may be determined based upon the occurrence data.03-29-2012
20090099961Transaction Processing Method, Apparatus and System - The present invention relates to transaction processing, for processing of payments between payer's (usually individual payers) and payee's (usually merchants. Conventionally, a payment transaction involves a user's account details being provided to a merchant device, e.g. by swiping a card in the card swipe of the merchant device. The merchant device then prepares a transaction message including information such as the user's account ID, merchant ID and payment information and forwards that message to a transaction processing system, which may comprise a transaction acquirer and an issuing bank. The transaction processing system approves the payment and returns confirmation to the merchant. In the present invention a device associated with the payer, which in a preferred embodiment is a suitably adapted mobile telephone, becomes involved in the payment transaction process. At one level, the transaction processing system requests from the payer electronic device confirmation that the transaction should proceed and the payer keys in an appropriate PIN to authorise the transaction. At another level, all the transaction processing information is provided from the payer electronic device to the transaction processing system and the transaction processing system or the payer electronic device then confirm that the transaction is authorised to the merchant device. This takes the burden of transaction processing off the merchant and also increases the security of the transaction as the payer is in control. In a further embodiment, the payer electronic device may also upload listings of products and select products at the same time as paying for them, the payee (merchant) being advised of the selected product.04-16-2009
20090099962APPARATUS AND METHODS FOR FACILITATING CARBON CREDITS - A processor-performed method of facilitating the creation and sale of carbon credits. The method includes enrolling a plurality of carbon credits in a database. Each credit is associated with an account of a creator of the credit and with a project for generating the credit. The method includes determining whether one of the one or more projects is registered in a climate action registry; and, based on the determining, registering in the registry a validated credit associated with the registered project and including the registered credit in an account of an aggregator.04-16-2009
20080262965SYSTEM AND METHOD FOR PROCESSING PAYMENT OF PROPERTY TAXES BETWEEN MULTIPLE PAYORS AND MULTIPLE MUNICIPALITIES - A centralized computing system receives a payor data file that comprises records having data for property taxes owed by a payor to all of multiple municipalities and to receive a municipality data file from each of the multiple municipalities that comprises records having data for property taxes owed to the municipality by the payor. Included within each of the records of the payor data file is data that identifies a given one of the multiple municipalities and the centralized computer system uses this data to parse the payor data file into multiple parsed data files—each corresponding to one of the multiple municipalities. Each of the multiple parsed data files is then validated and corrected as appropriate considering the data within its corresponding one of the municipality data files. As the data within the records of each of the multiple parsed data files is determined to be valid, the system functions to issue notification that the property taxes may be paid10-23-2008
20080262963System and method for developing innovations through establishment of corporate entities - A method of developing a product idea through establishment of a corporate entity is disclosed. The method comprises screening one or more new product ideas against a number of predetermined criteria to identify a filtered product idea which meets the predetermined criteria, establishing a portfolio corporate entity having share capital, assigning intellectual property rights in the filtered product idea to the portfolio corporate entity, and controlling the portfolio corporate entity while the filtered product idea is subject to product development.10-23-2008
20090012895SYSTEM AND METHOD FOR CREATING AND PROMOTING A CAUSE AND PROCESSING PAYMENTS FOR THE CAUSE BY UTILIZING SOCIAL NETWORKS - The invention is a system and method for system and method for creating and promoting a cause and processing payments for the cause by utilizing social networks, and in particular, a social network, for example, a highly interactive on-line community, where individuals, representatives, or organizations, may securely conduct fundraising activities, raise awareness, and promote events. By injecting an application that may be virally distributed in a highly interactive on-line community and linking application users to a specially designed website, individuals, representatives, or organizations, may securely conduct fundraising activities, raise awareness, and promote events to a greater audience, thus achieving higher efficiency in a developing virtual environment.01-08-2009
20110231306Remotely controlled system and method for the preparation of a user-defined food product or beverage - A remotely controlled system for the preparation of a user-defined food product or beverage including an input module on a remote device configured to input user-specified parameters associated with the preparation of the user-defined food product or beverage. A user profile module on one or more servers is configured to store one or more of the user-specified parameters, predetermined alerts, and nutritional information associated with the user-specified parameters and send one or more of the user-specified parameters, predetermined alerts and nutritional information for display on the input module. A local controlling computer subsystem is responsive to the input module controlling computer subsystem and is configured to prepare the user-defined food product or beverage based on the one or more commands and interactive instructions from the user.09-22-2011
20110231305Systems and Methods to Identify Spending Patterns - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, a portal configured to determine online activity tracking data, and at least one processor coupled with the data warehouse and the portal and configured to identify, using the transaction data and the online activity tracking data, first users who have not been to a website of a first merchant within a predetermined period of time, identify a set of transactions of the first users, and determine a spending pattern in the set of transactions of the first users.09-22-2011
20110231303TERMINAL DEVICE AND DIGITAL CONTENT MANAGING APPARATUS - A terminal device for receiving encrypted digital content provided by a digital content managing apparatus through a digital transmission system is provided. The terminal device comprise a processor which includes an ID obtaining module configured for obtaining an identification (ID) of the terminal device; and a decryption module configured for generating the password according to the ID and decrypting the encrypted digital content received by the receiving unit. The ID is provided to the digital content apparatus to generate a password to encrypt digital content subscribed by the terminal device. A digital content managing apparatus accessible for the terminal device is also provided.09-22-2011
20110231304SECURE METHOD AND APPARATUS FOR REMOTE FUNDING OF CURRENT PAYMENT ACCOUNTS - A funding method and apparatus between a monetary account holder and a remote cash provider allows the cash provider to fulfill the request for funding received from the account holder through ordinary electronic communication means by redeeming a load voucher against cash into the account of the requester, without the need for the account holder to share any identification of his/her account with the cash provider and without the cash provider having to share any identification of the load voucher with the account holder. The account holder initiates a request for funding by logging into his/her online monetary account and by providing the email address and/or phone number of the solicited cash provider. The cash provider receives a funding request message including either a printable or displayable cash load voucher, or including a link to a data entry form where he/she will be able to input the identifier of a load voucher obtained locally from a distributor of vouchers of the background art. The cash load voucher identifier or the link included in the message sent to the cash provider are uniquely derived from the identity of the account to be funded through the use of a one-way function, thus allowing the cash provider to redeem his/her voucher into the correct account without explicit transmission of the account details.09-22-2011
20090106143Payment processing system - A payment processing system wherein payment data is entered into a database on a server. The server is accessible to clients via a Web page on the Internet. Clients, by selecting search parameters on the Web page, can comprehensively search payment activity from the time a payment is initiated, until and including, the time a payee's account is credited. Clients, and/or their back-offices receive active updates of payment status information.04-23-2009
20090106144METHOD AND SYSTEM FOR PROVIDING SELLERS ACCESS TO SELECTED CONSUMERS - A method and system for providing sellers access to desirable consumers includes a process for providing sellers access to desirable consumers whereby financial transaction data for various consumers is obtained from one or more sources using a computing system implemented financial management system. The consumers' financial transaction data is then used by a provider of marketing and advertising tools to categorize consumers. Sellers are then charged for access to the consumers based on the consumer's category and/or historical financial transaction data and/or based on the consumer's eventual business with the seller as indicated by monitoring the consumers' financial transaction data.04-23-2009
20090210341METHOD OF POSTAL PAYMENT FOR SET OF CUSTOMIZED POSTAGE - A method of paying for postage stamps, that involves the generation of a plurality of postage stamps, wherein each of the stamps has a unique identification code; and the debiting of an account for the generation of the plurality of stamps when a carrier processes one of the plurality of stamps.08-20-2009
20120197784COMPENSATING AN INDIVIDUAL INVOLVED IN A BUSINESS - A method of compensating an individual involved in a business is disclosed. The method comprises putting money from a business into an accumulation pool. Further, the method comprises allowing an individual involved in the business to participate in the accumulation pool after the individual has satisfied pool participation criteria. The pool participation criteria being defined in part by a number of individuals involved in the business as a result of the individual. Still further, the method comprises determining a share of the accumulation pool for the individual and determining a percentage of the share to be paid to the individual according to share percentage criteria. The share percentage criteria being defined in part by the number of individuals involved in the business as a result of the individual. Additionally, the method comprises paying the individual an amount from the accumulation pool according to the percentage of the share.08-02-2012
20090240620SECURE PAYMENT SYSTEM - Systems and method for performing secure electronic payment transactions to allow merchants to perform payment processing such that the merchant is only required to identify a unique identifier of a customer account and not data specific to a particular payment device.09-24-2009
20090254475PREDICTION MARKET MAKING METHOD AND APPARATUS - Generally, a method and apparatus for making a prediction-based market including unconventional prediction options to market participants includes determining a prediction framework that includes a plurality of conditional scenarios. The method and apparatus includes calculating realization odds for each of the conditional scenarios using an approximation calculation technique and via an interface, receiving a plurality of predictions associated with selected conditional scenarios, each prediction having an associated value and building the prediction-based market using the predictor. The method and apparatus further includes updating realization odds for each of the conditional scenarios in the prediction framework using the approximation calculation technique and settling the predictions based at least on the updated realization odds.10-08-2009
20080301044Gift card reimbursement system and method - A method for purchasing goods and services in transactions utilizing a valued card includes issuing to a card owner from an issuing institution a valued card pursuant to an agreement between the card owner and the issuing institution. The valued card has a purchase value. The valued card is transferred to a recipient having authority to purchase goods and services utilizing at least a portion of the purchase value. The card owner is reimbursed a percentage of a remaining balance of the purchase value at an expiration date pursuant to the agreement.12-04-2008
20100161478Computer payment banking system and method - A computer payment banking system comprising a bank or financial institution, a sourced bank account, a sourced bank account holder, and a merchant. The bank or financial institution uses monetary funds from the sourced bank account to pay the merchant. The system is directed to processing of an online web-based purchase associated with the sourced bank account or holder. The system is directed to processing purchases made using a credit or debit instrument associated with the sourced bank account. A source of monetary funds for the sourced bank account includes, but is not limited to, a checking account, credit or debit instrument, online banking account, bank or non-bank line of credit, loan, financial account, and a combination thereof. Online access to rewards, financial reports, budget tools, or spending information of the sourced bank account holder may be provided by the bank or financial institution to the sourced bank account holder.06-24-2010
20120271758REAL-TIME SYSTEM AND METHOD FOR TRACKING, LOCATING AND RECHARGING ELECTRIC VEHICLES IN TRANSIT - The present invention provides computer-controlled electric battery charging systems and methods for charging a battery of a roaming electric vehicle, the system comprising an electric vehicle comprising at least one battery, a master charger vehicle comprising a master battery module and a control system in communication with the at least one electric vehicle and the master charger vehicle to enable the master charger vehicles to reach the electric vehicle, wherein the master battery module is adapted to charge the at least one battery.10-25-2012
20120123934SYSTEM AND METHOD FOR CONSUMER CONTROL OVER CARD-BASED TRANSACTIONS - A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary, accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. Multiple transaction cards may be linked to a single credit account with each card having a different credit limit, such that the controls comprise restricting each transaction card to a particular merchant, linking, by the consumer, several credit and/or debit accounts to a single transaction card, and pre-selecting a criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or telephone for making changes and receiving account information.05-17-2012
20120197783DYNAMIC SAVINGS ALLOCATION METHOD AND PURCHASING MODEL - A system and method for providing a dynamic savings allocation account. The dynamic savings allocation account includes customer-defined savings categories within the account that act as sub-accounts. The customer may create savings categories and set parameters such as the goal amount to be reached, the time to reach the goal, how much or what percentage to be allocated to each category per deposit, etc. As the customer deposits funds into the dynamic savings allocation account, the deposit is automatically allocated to each savings category as defined by the customer. As goals are reached, customers may opt to take advantage of group purchasing benefits offered by the financial institution for some in-demand items. Alternatively, the financial institution, in partnering with third-party vendors may perform targeted sales campaigns.08-02-2012
20080215484ENHANCED TRANSFER FRAMEWORK FOR SOURCE OR PROCESS VERIFIED PRODUCTS - An enhanced transfer framework for source or process verified products, in which, from disparate selling entities, event data is received certifying that animals separately processed by the disparate entities each satisfy requirements associated with source or process verified animal products, and the animals are aggregated for sale as a group of certified source or process verified animals. As the group, the sale of the certified source or process verified animals is effected to a purchasing entity, the event data that identifies the disparate selling entities is filtered out, and the filtered event data is transferred to the purchasing entity.09-04-2008
20120197785APPARATUS AND METHOD FOR MANAGEMENT OF INTELLECTUAL PROPERTY RIGHTS - A computer program product for managing intellectual property rights comprising a user interface and a database. The user interface may prompt a user for input of data relating to the intellectual property rights. The database may store data related to the intellectual property rights and may comprise a registration interface, a contracts interface, a social networking interface and a royalty management interface. The user may be prompted with an identification of a desire to exploit the intellectual property or an indication that the intellectual property has been exploited. The computer program product may use a processor that executes instructions to prompt the user for data, to store data, to provide access to the social network, to manage royalties, to indicate the desire to exploit the intellectual property and to indicate the intellectual property has been exploited.08-02-2012
20110238568Enhanced Optimized Routing With Volume Controls - Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors/controls, such as speed, quality, cost, priority, and/or volume. The volume controls may be configured with minimum and maximum values and configured to override other factors (e.g., cost, quality, etc.) Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner.09-29-2011
20120246067DYNAMIC HOLD DECISIONING USING ADJUSTED DEPOSIT AMOUNT - Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit.09-27-2012
20100153263CONDITIONAL COMPENSATION SYSTEM - This invention relates generally to software, and more specifically, to a conditional compensation system. In one embodiment, the invention includes an application server, the application server including a conditional compensation system, the conditional compensation system facilitating performance based compensation. In a further embodiment, the conditional compensation system includes an instrument component, the instrument component configured to establishing at least one instrument; an event management component, the event management component configured to adjusting the at least one instrument; and a payment component, the payment component configured to issuing at least one payment in accordance with the at least one instrument.06-17-2010
20100153261System and method for providing transaction classification - A method and system provide transaction classification. The method and system provide an extensible markup language (XML) representation of real transaction instance data collected from a data collection agent, provide an XML based rule engine that enables a user to define a classification rule for classifying the real transaction instance data, and provide a user interface to enable the user to navigate among the real transaction instance data to define the classification rule.06-17-2010
20100228666Vehicle Lock Box - A relocatable and remotely actuatable vehicle security system. In some embodiments, the vehicle security system includes a relocatable structure forming an enclosure over a parking surface and an electronic actuation system. The relocatable structure has a closeable opening through which a vehicle enters and leaves the enclosure. The electronic actuation system is configured to actuate a drive mechanism to close the opening or to expose the opening upon receipt of a remotely generated signal.09-09-2010
20100217705COMMUNICATION APPARATUS, AND CONTROL METHOD FOR COMMUNICATION APPARATUS - A communication apparatus includes an electronic payment unit configured to perform electronic payment processing via a short-range wireless communication, an acquisition unit configured to acquire, via the short-range wireless communication, a service parameter required for utilizing a public wireless local area network (LAN) service, by performing the electronic payment processing, and a transfer unit configured to transfer the acquired service parameter to a second communication apparatus.08-26-2010
20100228667SYSTEM AND METHOD FOR ON-STREET PARKING REVENUE MODEL FOR ELECTRONICALLY COLLECTING FEES - A system and method for collecting on-street parking revenue. The method utilizes a device which establishes a link with a server. Once the device is validated and the location of the vehicle is established, a message is transmitted to the device with the parking rates for that location. The time that the vehicle is parked at the location is tracked. The parking charges are collected electronically by charging the user's account based upon the parking rates and the time that the vehicle was parked at that location.09-09-2010
20100217704 Consular Kiosks and Methods - The invention provides various systems and methods for implementing electronic transfers with government consulates. The method includes presenting an interface terminal to a customer, wherein the interface terminal is configured to receive input from the customer, and receiving, via the interface terminal, a selection of a country's consulate. The method further includes receiving, via the interface terminal, a consulate service type selection, and receiving, at an input device, documentation necessary to complete the selected service type. Furthermore, the method includes receiving, via the interface terminal, a payment for the selected service, and transmitting to the selected country's consulate the service type selection, the documents, and the payment to the selected consulate.08-26-2010
20090076949CENTRALIZED TRANSACTION RECORD STORAGE - Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In one example, such transaction records may be aggregated by the payment service provider to permit a user to search the records. In another example, such transaction records may be associated with user-selectable links to permit users to reorder previously purchased items referenced by the transaction records. In yet another example, such transaction records may be associated with warranty information to permit users to conveniently view warranty details associated with previously purchased items. In a further example, a client device may be implemented to determine whether a webpage includes transaction information associated with a user-merchant transaction. The transaction information may be captured and passed by the client device over a network in order to facilitate storage of the transaction information in a transaction record.03-19-2009
20090076951METHOD, SYSTEM AND COMPUTER PROGRAM FOR GENERATING FINANCIAL TRANSACTION INSTRUCTIONS - A method, system and computer program is provided for enabling on-line generation of financial instructions by a financial institution account holder and/or a signatory authorized to access his/her financial institution account. Hand written data provided by a user on a medium is digitized, such medium optionally including a digital pattern, by operation of a digital pen. The data is provided at communication device, and then to a server computer associated with the financial institution, the server computer being operable to interpret the data as financial instructions. The financial institution processes the financial instructions, and optionally generates feedback, which is made available to the communication device. The server computer enables the processing one or more financial transactions based on the financial instructions.03-19-2009
20090076950Universal Network-Based Deposit Management Service - A system for managing electronic deposits remitted to billers includes a first node connected to a network for receiving electronic remittances, a data repository connected to the network for storing account information and account identifier data, a first software routine for looking up account information in the data repository based on received account identifier data, and a second software routine for causing a deposit or credit into an account identified by the account identifier data. Each account subject to electronic deposit is registered with the system, the system issuing an account identifier unique to each account, the identifier used in place of the account number by account owners in remittance instruction to payers.03-19-2009
20100235275Card Processing - An exemplary system is adapted for designing card processing models, generating code for card processing systems from the models, testing the code, and executing card processing systems. A model content repository stores elements for card processing models. An integrated development environment allows users to access the model content repository and design card processing models. A deployment manager is adapted to compile and test card processing models that have been defined and stored in the model content repository. The compiled code is executed in a platform runtime environment. Information that is collected from an executing card processing system is communicated to the integrated development environment where the information may be presented to a user.09-16-2010
20100241559FINANCIAL SOCIAL NETWORKING - Apparatus and methods for providing an online financial social network service to a user. The method may include storing in a computer information about a financial goal of a first user. The method may additionally include receiving instructions to present a display reflecting the stored financial goal information. The method may also include authenticating a second user to access the first user online financial social network account.09-23-2010
20100250432Systems and methods for bankarizing real estate properties and increasing their yield - Methods and systems for bankarizing real estate properties and increasing their yield. These methods and systems include receiving by a financial institution mortgage certificates, each mortgage certificate representing a first rank mortgage of a real estate property for the benefit of the financial institution. These mortgage certificates can be pledged by the financial institution to get loans. In exchange for the deposit of the mortgage certificates, the owners of the real estate properties get a fee from the financial institution. These methods and systems further include an agency running one or several databases, analyzing relevant information, evaluating the real estate properties object of the mortgage certificates, determining a standard value, issuing the mortgage certificates and producing reports to all parties.09-30-2010
20100235274Anti-terror platform for securing a community against terrorisms - An anti-terror platform for securing a community against terrorisms is disclosed. The platform includes following elements: (1) an anti-terror system, with an anti-terror server via a closed network connecting to a plurality of pre-contracted stations, wherein the closed network isn't invaded by a hacker; (2) an inputting frame, configured in the pre-contracted stations for inputting and transmitting terror data to the anti-terror server; (3) an anti-terror database, configured in the anti-terror server and maintained by an anti-terror expert system for receiving and correlating the terror data with historic terror data of the anti-terror database; (4) a resolving module, configured in the anti-terror server for estimating a probability of terrorism based on a result correlated by the anti-terror database and obtaining a terror warning according to the probability; and (5) a broadcasting module, configured in the anti-terror server for informing the pre-contracted stations of the terror warning.09-16-2010
20100250434Computer-Based Modeling of Spending Behaviors of Entities - Time series consumer spending data, point-in-time balance information and consumer panel information provide input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability and share of wallet may be reliably identified and utilized to promote additional consumer spending.09-30-2010
20100145849SPENDING VEHICLES FOR PAYMENTS - A system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments such as social security checks receives in place of the payment a spending vehicle such as a discount card, rebate, or coupon for use with purchases of the sponsor's products or services. Sponsors include companies and organizations interested in offering purchase incentives to their customers. An individual who wishes to receive a spending vehicle rather than the regular payment selects the spending vehicle he or she would like to receive. The individual then assigns his or her right to receive the payment to a third party. The third party then arranges to give a spending vehicle to the individual and to transfer the individual's payment to the sponsor of the spending vehicle. The third party may take a portion of the payment as compensation for the service.06-10-2010
20120130890METHOD AND SYSTEM FOR LEASE MANAGEMENT OF ULTRASONIC SYSTEM - A system for lease management of an ultrasonic system includes a usage information collection unit to collect usage information regarding a usage of the ultrasonic system, and a lease management unit to determine whether the usage information provided from the usage information collection module exceeds a predetermined allowable usage set by a prepaid balance of a user. Operation of the ultrasonic system is stopped while displaying a settlement-request screen on a display unit of the ultrasonic system, if the usage information exceeds the allowable usage. A lease server remotely manages a lease of the ultrasonic system through communication with the lease management unit via a network.05-24-2012
20120130888METHOD AND SYSTEM FOR DISTRIBUTION OF ADVERTISEMENTS TO MOBILE DEVICES PROMPTED BY AURAL SOUND STIMULUS - A method for distributing context-based data using an acoustic receiving device and a high frequency analog acoustic signal is disclosed. The acoustic receiving device a high frequency analog acoustic signal. A high frequency analog acoustic signal is of a frequency of at least 21,000 Hz and contains encoded data. The high frequency analog acoustic signal is converted to a digital acoustic signal and then analyzed to obtain the encoded data. The data is decoded to obtain information, and the information is then displayed on the acoustic receiving device.05-24-2012
20100131407System and Method of Providing Replenishment and Pick-up Services to One or More Cash Handling Devices - A transport carrier (i.e., an armored vehicle or any mode of transportation) may be equipped with cash storage and recycling capabilities. The transport carrier may be equipped to replenish funds as needed and/or pick up a surplus of funds. The transport carrier may be in communication with a financial institution and/or a central server. In some arrangements, the central server may dynamically route the transport carrier to cash handling devices as various locations in order to efficiently meet the needs of the devices and associated clients.05-27-2010
20100211498RECORDATION OF ELECTRONIC PAYMENT TRANSACTION INFORMATION - A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction.08-19-2010
20100250433PROVIDER RELATIONSHIP MANAGEMENT SYSTEM THAT FACILITATES INTERACTION BETWEEN AN INDIVIDUAL AND ORGANIZATIONS - A provider relationship management system (“PRM system”) is disclosed that enables an individual to manage information about and electronically interact with organizations. The PRM system presents an individual with a list of organizations that the individual may have a relationship with. The individual selects one or more organizations from the list to add the selected organizations to a personal provider directory. The individual uses the personal provider directory to manage information associated with each organization. The individual may seek to establish an interactive connection with one or more organizations in the personal provider directory. If a selected organization agrees to establish an interactive connection with the individual, the organization is permitted to communicate with and send electronic documents to the individual. Each document is associated with a document type, and the document type is associated with certain actions that may be taken with respect to the corresponding document.09-30-2010
20130218757PAYMENTS USING A RECIPIENT PHOTOGRAPH - A user takes a photo of a payment recipient using the user's mobile device. The photo is analyzed to determine whether a matching photo with an identifier exists, such as on the user device or within a payment provider database. If so, the identifier is used to identify the recipient and process a payment from the user to the recipient.08-22-2013
20130218758CUSTOM SCORECARD AND HYBRID FRAUD MODEL - Embodiments of the invention relate to methods, apparatuses, and systems for performing, creating, generating, and displaying transaction scorecards related to fraud evaluations of transactions. Methods may include determining if one or more preselected rules are triggered by transaction data associated with a transaction, determining a trigger score for each of the preselected rules, adding the trigger score for each of the preselected rules to a profile score, applying the profile score to at least one transaction decision rule, and displaying transaction evaluation results in a transaction scorecard. Additionally, some embodiments of the invention may combine a centralized multiple merchant fraud model provided by a merchant processor and a merchant customized model, to a produce a hybrid scorecard model. The respective scores of the multiple merchant fraud model and the merchant customized model may be weighted for further customization.08-22-2013
20130218759VIRTUAL TRANSACTION CUTOFF - In some embodiments of the present invention, a method is provided that includes: (a) receiving transaction information associated with a transaction; (b) determining, based at least partially on the transaction information, that the transaction involves an account, occurred after a daily cutoff time on a first day, has a predetermined transaction type, and includes a transaction amount; and (c) designating, using a processor and based at least partially on the determining that the transaction occurred after the daily cutoff time and has the predetermined transaction type, the transaction amount for inclusion in the daily ending balance for the account for the first day. In some embodiments, the method further includes designating, based at least partially on the determining that the transaction occurred after the daily cutoff time, the transaction for posting to the account on a second day, where the second day is any day after the first day.08-22-2013
20110029430Systems and Methods to Provide Benefits of Account Features to Account Holders - Systems and methods are provided to facilitate the sharing of account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account.02-03-2011
20110029431System and Method for Enhancing Financial Institution Revenues Through Acceleration of Debit Processing - A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transactions and accelerating the account debit transactions. In a further embodiment, account debit transaction processing is accelerated from beginning on what has traditionally been referred to as Day 0 to beginning on some day before Day 0.02-03-2011
20110029429SYSTEM AND METHOD FOR PROCESSING A MAILING LABEL - A system and method of processing a mailing label through a postal service that requires an account that can be charged for generating the mailing label are described. The method includes charging or deducting a fictitiously fundable or chargeable account to enable generation of a mailing label for a mail piece. The mailing label includes a tracking indicium associated with the fictitiously fundable or chargeable account. The method further includes receiving the tracking indicium scanned from the mailing label on the mail piece when the mail piece is inducted in the mail stream or during transit of the mail piece in the mail stream, and charging or deducting funds from an actually fundable or chargeable account based upon the received scanned tracking indicium.02-03-2011
20110029428Mobile Remittance Network - A computerized network empowers senders (or payers) to send funds and recipients (or payees) to receive funds at any time anywhere in the world through user-accessible terminals such as ATM terminals, check-cashing kiosks, money services kiosks, cash registers, checkout stands, computers, contactless devices, wire line phones, mobile phones, smartphones, personal digital assistants, etc. Furthermore, the network collects and verifies senders' and recipients' identification information in accordance with the anti-money laundering, anti-terrorist financing, and anti-financial crimes regulatory requirements, such as the Bank Secrecy Act and the USA PATRIOT Act in the United States and any equivalent laws in other countries.02-03-2011
20120143749METHODS AND SYSTEMS FOR ASSIGNING INTERCHANGE RATES TO FINANCIAL TRANSACTIONS USING AN INTERCHANGE NETWORK - A method for assigning an interchange rate to a financial transaction is provided. The method uses at least one input device in communication with an interchange database. The financial transaction is initiated by a cardholder using a card over a card interchange, the card having been issued by an issuer bank. The method includes the steps of storing issuer data within the interchange database, the issuer data including whether the issuer bank has entered into a special relationship with the interchange.06-07-2012
20090259587Commissions Futures Trading - Implementing a method for trading commissions includes purchasing an expected commission payment from a real-estate agent or real-estate brokerage firm in exchange for a payment of funds to the real-estate agent or the real-estate brokerage firm. The expected commission payment is associated with a real-estate transaction. Funds are transferred in exchange for the expected commission payment. The right to the funds is not conditioned on completion of the real-estate transaction.10-15-2009
20120246065TECHNIQUES FOR OFFERING CONTEXT TO SERVICE PROVIDERS UTILIZING INCENTIVES - An embodiment of the present invention provides a method of offering incentive based context to service providers, comprising capturing context information of a user and distributing said context information to said service provider, wherein said service provider provides an incentive to said user for said context information, and wherein said user may choose all or a subset of said context information for varying types of compensation selected from the group consisting of: No compensation; Direct monetary compensation; Indirect monetary compensation; Non-monetary compensation; or Points, credits, access to free content.09-27-2012
20100198721Management of Dematerialized Safes - The invention pertains to the management and sharing of dematerialised safes, and relates to a method for managing a secured storage space (C08-05-2010
20090327122METHOD AND SYSTEM FOR FACILITATING CHARITABLE DONATIONS - Disclosed is a system and method for facilitating charitable donations. A first possible outcome of a game is associated with a first charity, online wagers against the first possible outcome are accepted and in response to the first possible outcome actually occurring, all, or a portion, of the wagered sums are electronically credited to an account associated with the first charity.12-31-2009
20100191644COMMUNITY COVENANT RULES AND GUIDELINES ENFORCEMENT SYSTEM AND METHOD - A method of enforcing community covenant rules and guidelines by managing events within a community using a computer system, the method comprising providing a plurality of potential violation events; selecting at least one potential violation event from the plurality of violation events; associating a violation event remedy to the selected at least one potential violation event; and associating a optional delay with the associated violation event remedy, the at least one violation event remedy being adapted to be enforced when the optional delay associated therewith is expired. A system and a user graphical interface providing same are also provided herein.07-29-2010
20090254476METHOD AND SYSTEM FOR MANAGING PERSONAL AND FINANCIAL INFORMATION - A system and method for managing personal and financial information is provided. The method involves: receiving financial transaction information for a purchase of the user, together with at least one attribute associated with the financial transaction information; storing the financial transaction information in association with the at least one attribute; and making the financial transaction information available for use under the control of the user. The attribute may be a financial account identifier, a financial account type, a purchase type or a purchase identifier. The method may also involve receiving a purchase location attribute defining a location for the purchase; determining a current location associated with a user mobile device using a global positioning system; and transmitting, if the purchase location attribute does not match the current location, a message to the mobile device for fraud detection purposes.10-08-2009
20090164367Secure transmission of money transfers - The invention relates to a method and a device for enabling a validated money transfer between a sending and a receiving person via a sending and a receiving financial institution, where a request to a validation agent for validation of a money transfer replaces normal time consuming cross border security checks. The validation agent, being unaffiliated with the sending financial institution and the receiving financial institution, administers a data base comprising validated transfer agreements, which agreements specifies at least the identity of a sending person and of a receiving person. A validation of a transfer is executed at the validation agent by comparing current transfer data with information specified in the validated transfer agreements.06-25-2009
20090112755METHOD AND SYSTEM FOR ON-LINE AGENCY DISBURSEMENT MANAGEMENT OF EXPENSES FOR INTELLECTUAL PROPERTY RIGHTS - The present invention provides a method and system for on-line agency disbursement management of expenses for intellectual property rights. A payment management website is built-into a host computer and linked to Internet by the business terminal. The payment management website includes a login module, so that the client can log in the payment management website to operate the login module and access the data of intended intellectual property right cases through the operating screen of login module. The business terminal can pay the intellectual property right expenses to the government body or entrusted organizations. The payment management website is fitted with a management module linked to the login module, so that the client can learn about the disbursement state of intellectual property right expenses and/or the situation of intellectual property right cases. The expenditure of the client and subsequent control cost and risks are considerably reduced.04-30-2009
20080301042System and method for categorizing credit card transaction data - A system and method employs a categorized list of business names to identify a category corresponding to transaction information, such as credit card transaction data.12-04-2008
20080288396System and Method For Combined Reconciliation Of Co-Branded Card Promotion And Settlement Of Private Label Card Accounts - A system and method for combined reconciliation of co-branded card promotion and settlement of private label card accounts are disclosed. According to one embodiment, the method may include (1) establishing a first relationship with a merchant for promotion of a credit card, the first relationship including at least one merchant compensation term; (2) establishing a second relationship with the merchant for the administration of the merchant's private label credit card transactions, the second relationship including at least one issuer compensation term; (3) receiving a first financial information related to the first relationship; (4) receiving a second financial information related to the second relationship; and (5) determining an account balance for the merchant based on at least one of the first information, the second information, the at least one merchant compensation term, and the at least one issuer compensation term. According to another embodiment, the system may include a server in communication with an issuer, a merchant and a bank card network. The server may receive a first financial information related the merchant's promotion of a credit card and a second financial information related to the merchant's private label credit card transactions. The system may further include a database that stores merchant compensation terms and issuer compensation terms. The system may also include a processor that determines an account balance for the merchant based on the first information, the second information, the at least one merchant compensation term, and/or the at least one issuer compensation term.11-20-2008
20090112756METHOD AND SYSTEM FOR PROCESSING NEGOTIABLE INSTRUMENTS - A method and system for processing information is provided. A negotiable instrument may be scanned to determine a first amount and a second amount. A comparing module compares the first amount to the second amount, and a value for the negotiable instrument is determined based on the amounts. The value can be compared to the amounts to determine if a predetermined error has been committed in entering the value. If so, the value may be corrected.04-30-2009
20090112757MOBILE DEVICE INCLUDING COMPUTER READABLE MEDIUM SUITABLE FOR TAX PROCESSING AND CURRENCY CONVERSION - Systems and methods of converting transactions to a new currency and tax processing based on the location of the mobile communication device. The systems and methods send transaction information including a transaction amount associated with a transaction conducted between a merchant and a consumer at an access device, to a server computer. The server computer determines a location of a mobile communication device operated by the consumer and converts an transaction amount to a currency based on a conversion rate based on the location of the mobile communication device or determines a tax amount based on the transaction amount and based on the location of the mobile communication device. The method also receives the converted transaction amount or the tax amount.04-30-2009
20090112754SYSTEMS AND METHODS FOR VERIFYING IDENTITIES - A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided.04-30-2009
20110119178METADATA DRIVEN PROCESSING - The system enables a data processing framework that polls for files using a listener, controls the workflow using event driven logic, processes financial transactions, and creates a business to business trading partner network. The listener ensures the reliability and data integrity of input files and performs archiving functions. The payment management functions automatically processes transactions, including payor (e.g., the buyer) initiated payments to a payee (e.g., a supplier) by utilizing a flexible, decoupled processing architecture. A payment management computer identifies a universal identifier for each entity and forms relationships and hierarchies in order to increase efficiency of the trading partner network. Metadata describes the format, validation and relationships for a wide variety of financial account data.05-19-2011
20100299248Method and system to create and distribute excess funds from consumer spending transactions - The present invention provides a system for accumulating credits from a customer account belonging to the customer and managed by an institution and placing the credits into a provider account. The system includes an information processor including a data store with data identifying the customer, the rounding determinant, the managed institution, and the account. The data store includes data authorizing the processor to access and read the customer account and further includes data to calculate rounders after receiving a plurality of payment transactions from the read customer account and to calculate an excess based on the rounders. The data store also includes data to withdraw the excess from the customer account and data to transfer the withdrawn excess to the provider account.11-25-2010
20090055313FINANCIAL ACCOUNT MANAGEMENT - An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.02-26-2009
20100312693SYSTEMS, PROCESSES AND COMPUTER PROGRAM PRODUCTS FOR THE MANAGEMENT OF INVESTMENT ACCOUNTS - The present invention relates to systems and processes for administering various automated guaranteed withdrawal features of annuity accounts and other types of investment accounts that include guaranteed withdrawal features. The present invention also encompasses related computer program products.12-09-2010
20100312695MULTI CURRENCY EXCHANGES BETWEEN PARTICIPANTS OF A NETWORK-BASED TRANSACTION FACILITY - A method and apparatus for facilitating online payment transactions in multiple currencies between participants of a network-based transaction facility are described. In one embodiment, an exchange rate associated with a currency is stored in a database. The exchange rate is received from a third party system and is associated with a rate expiration date. One or more payment transactions conducted in the currency are also stored. A determination is made whether a determinable time period has expired, whereby the determinable time period is set to expire prior to the rate expiration date. In response to the determinable time period expiring, instructions are sent to the third party system to execute trades on the one or more payment transactions using the stored exchange rate.12-09-2010
20100312694Mobile Electronic Transaction System, Device and Method Therefor - Disclosed herein is a system and method for conducting electronic transactions utilizing a wireless communications device or computer adapted to receive either a URL for accessing an indicia of value stored on a server or an image of the indicia of value. The present system further enables transmission of at least a portion of the indicia of value from one receiving device to another, and simultaneously deleting that transmitted portion from the first user's file on the server. The system also enables a user to transmit an SMS or text message containing information corresponding to an indicia to the server. The server then searches either its own database or that of another server for corresponding indicia. Once located, the server creates a separate file for the user containing that information and sends an SMS, including a URL, back to the device to enable the user to access that indicia.12-09-2010
20100312692COMPACT PAYMENT TERMINAL - A compact payment terminal for operating upon a purchase made by a customer at a retail device is provided. The customer carries a mobile communication device that includes a payment module and a communication module. The compact payment terminal includes a first interface for interfacing with the retail device, a second interface for interfacing with the mobile communication device of the customer and a processing unit connected to the first and second interface. The compact payment terminal is configured to receive, via the first interface, a payment request from the retail device, cooperate, via the second interface, with the payment module of the mobile communication device for initiating a payment transaction respective to the payment request, and selectably conduct, via the second interface and the communication module of the mobile communication device, a communication session between the processing unit and at least one server.12-09-2010
20100325037TRANSACTION CARD ASSEMBLY WITH TRANSACTION CARD AND AUXILIARY ITEM - A transaction card assembly includes a transaction card, a foldable backer, and an article. The transaction card includes an account identifier fixedly connected thereto. The account identifier is machine readable by a point-of-sale terminal and links the transaction card to a financial account or record. The foldable backer supports the transaction card and defines an interior surface, an exterior surface opposite the interior surface, and a viewing aperture extending from the interior surface to the exterior surface. The article is coupled with the interior surface of the foldable backer such that a portion of the article is viewable through the viewing aperture when the foldable backer is in a folded configuration around the article. Stored-value cards, combinations, methods of facilitating use of a transaction product and other embodiments are also disclosed.12-23-2010
20090070254Consumer fuel quantity purchasing system - A system and method for the pre-purchase of a quantity of a commodity traded in a futures market or could otherwise be hedged of any volume, at any time, using the internet. The method and system establishes a commodity purchase account for a provider to allow a user purchase of the commodity at a predetermined volume quantity, at a set price; delivering to user a means to effect the purchase of a commodity; transferring funds representing the purchase of a predetermined quantity of a predetermined commodity from a purchaser to a user; crediting the purchaser's commodity purchase account with the funds, utilizing the transferred funds to effect the purchase of the predetermined quantity of the predetermined commodity, subsequently delivering at least a part of the commodity purchase in kind from a commodity vendor to the user, and debiting the user's commodity purchase account in accordance with the quantity of the commodity delivered to the user.03-12-2009
20090037324METHOD AND APPARATUS FOR CURRENCY EXCHANGE - A method for exchanging funds between currencies. The method comprises receiving a plurality of requests to exchange funds from one currency to another currency, the plurality of requests comprising a first request to exchange first funds of a first party in a first currency for funds in a second currency, and a second request to exchange second funds of a second party in said second currency for funds in said first currency. The plurality of requests are stored in a queue. A request is selected for processing from said queue based upon queue processing data, wherein the selected request is the first request. Data indicating a match between said first and second requests is generated. At least part of said first funds of said first currency is transferred directly from said first party to said second party. At least part of said second funds of said second currency is transferred directly from said second party to said first party.02-05-2009
20090037325Offline and online affiliate sales network - A method of marketing a merchant's goods and/or services including the steps of registering each of a merchant, a publisher, and a consumer's payment vehicle with a network, such that each time a publisher causes a consumer to use a registered payment vehicle to purchase goods and/or services from the merchant, the merchant pays a first fee to the network and the network pays a second fee to the publisher. The network may also keep a portion of the first fee for itself. The network or the publisher optionally sends a portion of the fee back to the consumer. The entire method can be practiced either on-line, off-line or via a combination of both on-line and off-line.02-05-2009
20090037327METHOD AND SYSTEM FOR THE ANONYMOUS EXCHANGE AND VERIFICATION OF ELECTRONIC FILES IN ESCROW OVER A COMPUTER NETWORK - A method and system for exchanging electronic files, such as digital images, digital documents, and/or digital audio files, via an escrow transaction. The method allows two transaction partners to store electronic files on a third party system and then grant each partner access to the files of the other partner only after both partners agree. The two partners can review partial information about the electronic files that is sufficient to determine if the files contain the expected data, but insufficient to derive meaningful information about said data. Instead of electronic files, it is also possible for one of the partners to provide payment in various forms in exchange for the electronic documents provided by the other partner.02-05-2009
20130144778GPS-BASED PORTABLE GOLF DISTANCE INDICATOR AND METHOD FOR SHARING MAP DATA USING THE SAME - A GPS-based portable golf distance indicator and a method for sharing map data using the same. The GPS-based portable golf distance indicator includes a GPS receiver for receiving a GPS signal from a GPS satellite and outputting coordinate data of a current location based on the received GPS signal, a keypad for executing a driving distance notification menu for notifying a driving distance of a ball or a distance notification menu for notifying a distance from the current location to a hole cup or selecting a location registration menu, a memory for storing map data of a golf course, a processor for calculating and controlling, and a power supply. When selecting the location registration menu, the processor receives the coordinate data of the current location from the GPS receiver and registers coordinate data of a target object location on the golf course in the map data.06-06-2013
20130144779SOFTWARE AND METHOD FOR ALLOWING PAYMENT OF MERCHANDISE AND SERVICES ELECTRONICALLY, THROUGH A SMART DEVICE, WITH A PREDETERMINED ACCOUNT - A method and software application allows smart device users, such as smartphone users, to pay for their merchandise and services with a predetermined credit or debit account. The method does not require the user to take out, expose, or give out their credit or debit card. The method of the present invention can increase transaction financial safety and efficiency, while protecting the environment from the printing and disposal of physical plastic credit and debit cards.06-06-2013
20130144780SAME-DAY SETTLEMENT OF FINANCIAL TRANSACTIONS - A system and method to receive a financial transaction and transfer funds associated with the financial transaction into an account associated with an originator of the financial transaction to settle the financial transaction on the same day that the financial transaction is originated. The financial transaction may be one of a plurality of financial transactions and the financial transaction is identified as being eligible for same-day settlement using routing or transit numbers associated with an entity that receives the financial transaction.06-06-2013
20100325038TRANSACTION CARD WITH OSCILLATING MEMBER - A transaction card includes a base member, an auxiliary member, and an account identifier. The base member defines a first surface, a second surface opposite the first surface, and a spiral cut extending through the base to define a spiral portion. The spiral portion is stretched to extend in a conic helical form in front of a portion of the first surface defined by a remainder of the base member. The auxiliary member is coupled to the spiral portion opposite the portion of the first surface defined by the remainder of the base member. The account identifier is fixedly connected to one of the base member and the auxiliary member. The account identifier links the transaction card to at least one of an account and a record and is machine readable by a point-of-sale terminal. Other cards, combinations and associated methods are also disclosed.12-23-2010
20120036063DYNAMIC CURRENCY CONVERSION SYSTEM AND METHOD - A transaction terminal system for a card-based purchase communicates with a host system to provide dynamic currency conversion. The transaction terminal system can select one of a number of different rate request messages according to various local factors in order to obtain a currency conversion rate for dynamic currency conversion.02-09-2012
20090006248Transfer of Title Through Intermediary - Disclosed are novel tools (including, without limitation, systems, methods and software) to facilitate the sale of items of property and/or for providing title transfer services that ensure that the purchaser of the items of property (real or personal) receives adequate title to the property. In an aspect, the tools can serve as a clearinghouse for the various components to the transaction (e.g., receiving payment from the buyer, confirming that any security interest in the property has been paid off, informing the various parties to the transaction of the transaction's status, etc.).01-01-2009
20110016043ACCOUNT TRANSACTION VALUE ADDED TAX REIMBURSEMENT - Transaction data is received and stored for purchases on accounts with authorization request requests for payment, where the currency of the purchase and the account are different. For each authorized transaction, clearing and settlement is facilitated as well as VAT reimbursement requests from different government entities. For each received VAT reimbursement request, it is determined whether the account is in a VAT reimbursement database, and if so then it is determined whether the data from the transaction is in a VAT reimbursement transactions database, and if so, then clearing and settlement of a VAT reimbursement payment is faciliated between the account and the corresponding government entity.01-20-2011
20110022514Loyalty Rewards Optimization Bill Payables and Receivables Service - For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account.01-27-2011
20110040681SYSTEM AND METHOD FOR ACQUIRING, COMPARING AND EVALUATING PROPERTY CONDITION - A system and method for acquiring, collecting, comparing and evaluating the condition of rental property at several time periods during a lease or rental agreement. A first image is compared to a second image, a deposit amount remaining is calculated based on the image comparison. The remaining deposit amount is paid using an electronic format.02-17-2011
20110112961Duplicate Payments Suspect Review Workstation - A work station may be used to eliminate duplicate payment transactions.05-12-2011
20110112963METHOD AND SYSTEM FOR AUTOMATICALLY HARMONIZING ACCESS TO A SOFTWARE APPLICATION PROGRAM VIA DIFFERENT ACCESS DEVICES - A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device.05-12-2011
20110246360Money Transfer Using Cellular Networks - A method of transferring money from a first user to another user through a cellular network is disclosed. The method includes a the first user buying a voucher of a specified money from market and sending a USSD string to a cellular network, the cellular network authorizing details provided by the first user, sending a notification to the first user confirming transfer of the money to the second user, sending the second user a notification informing receipt of the money from the first user, sending the second user a secret code, a vendor confirming details provided by second user by contacting the cellular network, the cellular network further confirming the second user, authorizing the vendor to pay the specified money to the second user, crediting the money to the vendor account, and sending a confirmation to the first user notifying the second user has received the cash.10-06-2011
20110112962METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR FACILITATING THE EXCHANGE OF RECIPROCAL DEPOSITS - Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits are disclosed. According to one aspect, the subject matter described herein includes a system for facilitating the exchange of reciprocal deposits. The system includes a first bank for participating in an exchange of reciprocal deposits and a control center for implementing an exchange of reciprocal deposits between the first bank and a second bank for receiving deposits. The control center is configured to receive, from the first bank, a first request for placement of reciprocal deposits, the request defining a first set of requirements, and receive, from the second bank, a second request for placement of reciprocal deposits, the request defining a second set of requirements. The control center determines whether the first set of requirements matches the second set of requirements, which include maturity and interest rate. In response to determining that the first set of requirements matches the second set of requirements, the control center performs an exchange of on-balance sheet deposits meeting the first set of requirements from the first bank to off-balance sheet deposits to the second bank. The first bank receives reciprocal deposits meeting the second set of requirements as new on-balance sheet deposits. The reciprocal deposits may come from the second bank or from an entity other than the first and second bank, such as a depositor.05-12-2011
20090063335COMMUNICATION APPARATUS HAVING INFORMATION MANAGEMENT FUNCTION AND INFORMATION MANAGEMENT METHOD THEREOF - A communication apparatus having an information management function, and an information management method thereof are provided. The communication apparatus accesses a server so that a user may purchase a product or perform financial transactions, receives and reconstructs product information or transaction information from the server, encodes and stores the reconstructed information, and provides the information in a table form. Accordingly, the user can efficiently check and manage the information.03-05-2009
20110125634SYSTEMS AND METHODS FOR AUTOMATIC MIGRATION OF A CONSUMER BETWEEN FINANCIAL ACCOUNTS - Embodiments of the invention provide systems and methods for automatically migrating a consumer from one prepaid financial account to another prepaid financial account based on preset trigger criteria. A prepaid payment device, such as a payroll card, may be issued to the consumer and associated with a prepaid financial account. The prepaid financial account may include a profile for the consumer. The issuer of the prepaid payment device may monitor the account activity and set trigger criteria that control when the consumer is automatically migrated from the current prepaid financial account and which type of new account the consumer is migrated into.05-26-2011
20110213699Consumer-Managed Escrow Accounts - Disclosed is a method and system for a Consumer-Managed Escrow Account which provides for an account capable of serving as a repository of funds, held in trust, to be used on behalf of the consumer, which shall be disbursed at the consumer's discretion to a plurality of recipients based on the fulfillment of a condition, but from which the consumer has no direct means to access the funds for personal use.09-01-2011
20110213702SYSTEM AND METHOD FOR PROVIDING DISPUTE RESOLUTION FOR ELECTRONIC PAYMENT TRANSACTIONS - A computer-based system and method for resolving disputes between a customer and an electronic payment provider concerning an electronic transaction between the customer and a merchant, including receiving data related to the transaction in a computer; transmitting the data from the computer to a dispute resolution server; comparing the transaction data to predetermined eligibility criteria for dispute resolution in the dispute resolution server, and if the dispute resolution criteria is met, declining future transactions from the merchant for the disputing consumer; and, comparing the transaction data to predetermined eligibility criteria for transaction credit, and if the credit criteria is met, and transmitting a credit instruction for the transaction.09-01-2011
20110213701METHOD AND SYSTEM FOR INSURING AGAINST INVESTMENT LOSS - Participants purchase into a given system for a given period of time. Those with investment gains, by definition, are without loss and need no compensation from the system. Those with investment losses are reimbursed by the system according to previously agreed upon terms. Total loss of a given system's participants is calculated, with that figure compared to the previously agreed upon amount of funds available for loss compensation (total revenue generated by participant premiums minus previously agreed upon detracted percentage for firm or a sum set forward by the company that is independent of a given system's generated revenue).09-01-2011
20100153262SYSTEM AND METHOD FOR ADMINISTERING INSURANCE AND LOAN ACCOUNTS - A computer system for administering an insurance policy and a loan made to the insured, includes a processor and a memory in communication with the processor. The processor is adapted to: access from the memory storage device data relating to the insurance policy and the loan; determine, based on the accessed data, an amount of a withdrawal from the insurance policy and an amount of a payment on the loan; determine, by deducting the amount of the payment on the loan from the amount of the withdrawal, an amount of a payment, if any, to the insured; and provide output signals to a payment system to implement the payment on the loan and the payment, if any, to the insured.06-17-2010
20110087590LINKING A FINANCIAL CARD WITH A MERCHANT ACCOUNT - Some embodiments include systems and methods for linking a card with a merchant account. A financial institution that issues the merchant card to a merchant acts as both issuer and acquirer for the merchant. The merchant uses the merchant card to accept other financial cards as payment. Funds due the merchant are added to an available balance of the merchant card rather than depositing the funds in a settlement account. The funds can be added to the available balance before the transactions settle and can be accessed by the merchant. The financial institution also authorizes transactions when the merchant uses the merchant card as a regular cardholder to make payment. The merchant name can be changed on a per transaction basis if desired.04-14-2011
20090048968Systems and Methods for Facilitating Transactions with Different Account Issuers - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.02-19-2009
20090048967WIDE 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
20090043698COMPUTER-IMPLEMENTED METHOD FOR FULLY INSURING LARGE BANK DEPOSITS - An Interchange service that allows member banks participating in the service to offer their customers multiple certificates of deposit (“Multi-CDs”) so that large deposits exceeding an applicable Federal deposit insurance limit (e.g., $100,000) are fully insured. The Interchange partitions each of the large deposits into a plurality of deposit portions that do not exceed the Federal deposit insurance limit. The deposit portions are assigned to the member banks so that, for each member bank, the difference between funds flowing out of and into each member bank is minimized or eliminated. Differences in deposit terms offered by each of the member banks are monetized and resolved through the calculation and payment of present value payments, which are transferred between member banks that have different sets of deposit terms.02-12-2009
20110251950RESTRICTED USE CURRENCY - A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount.10-13-2011
20090037326Virtual Card Selector for a Portable Electronic Device - A portable electronic device (02-05-2009
20110178922System and method for resolving transactions with variable offer parameter selection capabilities - A system and method for the online settling of a transaction is provided. The system includes a server configured to determine a set of curves or planes defining acceptable settlement conditions for the financial transaction, enabling the user to select an acceptable settlement condition using interactive controls or computer implemented controls engageable by the user, such as sliding selectors or rotatable dials or the like, or controls enabling placement of points on a curve or curves. In certain instances, movement or engagement of one control may result in movement or alteration of another control, reflecting interaction between the parameters being controlled as dictated by rules established on behalf of the party to the transaction. The result, once the computer implemented controls present an acceptable settlement condition for the user, is a settlement condition wherein both user and the party to the transaction resolve the transaction on jointly acceptable terms.07-21-2011
20100057611System and method for implementing financial assistance programs - A system and method to provide food stamp benefits to recipients. The state agency responsible for distributing food stamp benefits to eligible recipients employs an issuer to produce consumer access devices for distribution to the recipients. The consumer access device is encoded with information enabling the food stamp recipients to purchase specified items from merchants. By imprinting the consumer access device with indicia identifying a commercial payment processing network and employing the commercial payment processing network to process the transactions, transaction funded by the food -stamp program will appear to be credit or debit transactions personally funded by the food stamp recipient.03-04-2010
20100070408system and method for providing secondary financing - The present invention provides secondary financing, and financing assistance, to defray the need for increased buyer income or higher home valuations. Thus, the present invention provides a system and method that allows for the access and securing of third party loans for secondary financing to enable the purchase of a primary loan of greater value, and for a revolving line of credit and funds to replenish the third party loans.03-18-2010
20110153495MOBILE WIRELESS PAYMENT AND ACCESS - Embodiments of systems, methods, and devices are disclosed for enabling wireless mobile devices to be automatically detected and used as fare media on vehicles in a transit and/or transportation system. Embodiments include detecting a wireless mobile device and utilizing a unique identifier of the wireless mobile device to track a transit user's entry to and exit from a transit vehicle. Embodiments further include causing the wireless mobile device to display a fare payment indicator, allowing the transit user to use the wireless mobile device to show proof of payment if so solicited by a fare inspector. A corresponding fare can be calculated and paid for in a variety of ways.06-23-2011
20110099103Automated Escheatment Process - A system and method of identifying an appropriate state to which unclaimed funds should escheat is presented. The system and method may include receiving data regarding unclaimed funds and identifying an owner of the funds, as well as the last known state of residence of the owner. The unclaimed funds are assigned a state identifier identifying the state to which the funds may escheat. At a predetermined time, or on demand, the funds may escheat to the designated state.04-28-2011
20110099102System and method for automated receipt and processing of donations - A web-based donation system is disclosed that is configured and operable to allow a sponsor to register or signup one or more recipients to receive funds from donors. The system is configured with a donor registration module that allows the donors to post solicitations for donations for respective recipients. The system is configured such that only businesses, and not individuals, can sponsor recipients. All funds received from donors are placed in a third party account until the period for solicitation of funds has ended. Upon conclusion, the funds are transferred anonymously to an account associated with the recipient.04-28-2011
20110078075METHOD AND SYSTEM FOR FACILITATING SWITCHING OF FINANCIAL INSTITUTION ACCOUNTS - Techniques for switching a financial institution account for a debit account holder are provided. A request to convert a financial institution account is received from a customer. Information is obtained from the customer and used to identify a list of possible financial institution candidates. The list of possible financial institution candidates includes financial institutions that have an on-going relationship with an existing payment association and are interested in offering a new financial institution account to the customer. A new financial institution account is then established with a financial institution selected from a list of possible financial institution candidates. Then, the new financial institution account is linked to one or more additional accounts. The one or more additional accounts may be an account with the customer's existing payment association or accounts associated with any recurring transactions.03-31-2011
20110078074SYSTEMS, METHODS, AND MEDIA FOR INDUSTRY RESOURCE MANAGEMENT AND CONTRACT MANAGEMENT - Embodiments of the subject invention are directed to a contract monitoring system or a method for contract monitoring. In an embodiment, a contract monitoring system monitors compliance with a contract. The system receives contract terms and event messages, which describe performance of the contract terms, and presents performance information to the parties to the contract. In an embodiment, the performance information is analyzed with regard to the contract terms. In an embodiment, such performance analysis is used to generate one or more performance measures for evaluating a party to the contract. In an embodiment, such performance analysis is used to generate a settlement statement for the contract. In an embodiment, the contract monitoring system reports information regarding resources registered with the system. In an embodiment, the contract monitoring system can be used to store, generate, and/or present resource, settlement, performance, and/or event information related to a plurality of organizations.03-31-2011
20110153492CONTROLLING A COMPUTER SYSTEM ENABLING SHARIA-COMPLIANT FINANCING - A computer system including data processing means arranged for receiving information into memory, the information enabling a transaction wherein a first party obtains property financing from a first financier by providing equitable title to the first financier and incurring obligations under a lease to the property, and wherein the first financier obtains funding for the financing from a second financier by providing at least some of the first financier's rights in the property, wherein the data processing means includes control means disposed to apply a Sharia compliance standard to the information control the computer system in carrying out a transaction compliant with the standard.06-23-2011
20110071940Motivate and award system with escrow accounts to reserve and store specific selected or requested awards - A system and method to award a person to engage and complete a designated activity by setting up an escrow account with monetary funds or award items ready to reward the person immediately following the completion of the activity. The timeliness of the award can enhance the effectiveness of the motivation system.03-24-2011
20110071941ELECTRONIC PLATFORM FOR FACILITATING INTERNATIONAL FINANCIAL TRANSACTIONS - An electronic platform to facilitate international financial swaps between businesses and individuals in different countries, in different countries, comprises a data bank for receiving financial transfer requests; a market clearing system with the ability to match requests from a party to transfer funds from one country to another with one or more complementary requests from another party or parties; a market making system with the ability to add liquidity to facilitate swaps; and an executing system with the ability to transfer funds between matched parties and complete a swap.03-24-2011
20120303521METHODS AND SYSTEMS FOR PROTECTION OF IDENTITY - The present invention relates to a method to the creation and management of a secondary identification to avoid identify theft. Identity theft may occur over the internet, the purchase of goods and services by credit, and many other forms not yet known. The present invention creates a secondary identification for a person by creating one or more of the following secondary identifications which include a secondary email address, a secondary postal address, a secondary phone number, and any other identifying secondary information. The present invention describes methods and systems to create a secondary identification. Further, the present invention may be used to create a credit card containing the requestor's secondary identification.11-29-2012
20120303520WIRELESS COMMUNICATION ACCESSORY FOR A MOBILE DEVICE - A wireless communication accessory for a mobile communication device comprising: a casing that conforms, at least partially, to the outer shape of the mobile communication device; a processing circuit housed within the casing and configured to process a first data; and a wireless transmitter coupled to the processing circuit, where the transmitter is configured to transmit the first data. The wireless communication accessory may further comprise a wireless receiver that is configured to receive a second data from an external wireless device. The first data may be associated with any or all of the following: payment card information for processing purchase transactions; public transportation account information for processing travel credits on public transportation systems; and access card information for gaining access into restricted areas.11-29-2012
20120303519USER INPUT OF CONSUMER SPENDING TRANSACTION DATA FOR SAVINGS AND DONATIONS PROGRAMS - A method for accumulating funds in a target account is provided. A server receives transaction data from a user via a communications network, wherein the transaction data includes at least a unique identifier for the user and a spending amount. Next, the server accesses a record associated with the user and reads at least a savings determinant, source account data and target account data from the record. Then, the server calculates a savings amount based on the savings determinant and the spending amount and increments a current value based on the savings amount. Finally, the server transmits, over the communications network, a message to a provider of the source account, wherein the message includes a request to transfer the current value from the source account to the target account.11-29-2012
20120303518METHOD AND SYSTEM FOR DISTRIBUTING AND PAYING FOR CONTENT ON SOCIAL NETWORKS - Copyrighted content on a first social network is downloaded by way of an application running on a second social network. Users of the second social network may share the copyrighted content with other users of the second social network. From the second social network, users may also pay creators of the copyrighted content by way of an electronic payment systems.11-29-2012
20120303517SYSTEM AND METHOD FOR SERVICING CUSTOMIZED MOBILE CONTENT - Disclosed are a system and a method for servicing a customized mobile content that can allow a user to easily download and use various mobile contents regardless of a type of his/her own terminal by: verifying user information by using metadata and a template that are stored in advance from information published by a content publishing institution, generating a mobile content suitable for types of the content publishing institution and a user terminal and transmitting the generated mobile content to the user terminal, downloading the mobile content through a program for the mobile content installed in the user terminal, and displaying the downloaded mobile content to the user.11-29-2012
20120303516DONATION AND PAYMENT SYSTEM - An economically viable virtual payment system and method for creating and processing donations and payments, even for micro donation payments to a Merchant, which operates on any of multiple electronic communications platforms e.g., PC, Apple, Linux and platforms such as BlackBerry OS, iPhone OS, Windows Mobile and Google Android and through the world wide web and mobile web. Micro donation payments are cumulated in a virtual money receptacle up to a pre-determined amount which triggers electronic transfer of the cumulated funds to the Merchant.11-29-2012
20120136777BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD - An improved financial transaction device comprising bar-coded information incorporating one of a plurality of algorithmic signatures, the signature being configured to permit at least one party involved in a financial transaction to store pertinent data in a multi-organizational payment tracking database, wherein the signature comprises a payment tracking identifier capable of uniquely referencing a single financial transaction and some of the pertinent data. The transaction may correspond to a format signature which may be in the form of a unique pictographic image representing the arrangement of data on a financial device for comparison against a library or database of signatures for purposes of device recognition.05-31-2012
20100325041SYSTEM AND METHOD FOR ENCODING INFORMATION IN MAGNETIC STRIPE FORMAT FOR USE IN RADIO FREQUENCY IDENTIFICATION TRANSACTIONS - A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system. The proxy transaction device identifier may be stored on the database in any conventional merchant recognizable format. Additionally, the proxy transaction device identifier may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier may include at least a first portion which corresponds to a portion of the transaction device identifier. The first portion of the proxy transaction device identifier may be segmented into proxy fields where a first segment includes a portion of a transaction account data set, and a second segment has encoded therein an account provider desired information. The proxy account identifier segments are undetectable by receiving systems such that the proxy account identifier emulates a merchant recognizable data transfer format. The account provider system may receive the proxy account identifier and uses the first portion of the transaction device identifier in a predetermined algorithm to reassemble the transaction device identifier for use in transaction completion.12-23-2010
20100325039APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ENCODING ENHANCED ISSUER INFORMATION IN A CARD - Facilitating communications between an electronic payment device and an issuer host includes storing in the payment device a set of personalization parameters. A first set of status information indicative of available status information relating to the payment device is transformed into a second set of status information based on the set of personalization parameters, and/or a second set of actions is selected from a first set of actions indicative of available actions to be performed by the payment device based on the set of personalization parameters and an order received from the issuer for initiating at least one corresponding action in the payment device. The second set of status information includes a subset of the first set of status information; the second set of actions includes a subset of the first set of actions. The payment device transmits the second set of status information to the issuer and/or initiates the actions in the second set of actions corresponding to the order received from the issuer.12-23-2010
20130166438TRANSACTION SERVICES TOOLS SYSTEM - One or more devices within a transaction services hub receive, from a first network device, provisioning information for customers of a transaction services network. The one or more devices also receive, from a second network device, first session data for transaction services using an Internet Protocol (IP) network, and receive, from a third network device, second session data for transaction services using a voice network. The one or more devices load, in a database, the provisioning information, the first session data, and the second session data, and merge, based on the provisioning information, the first session data and the second session data. The merged data is retrieved to support request from administrators and customers via other components of the transaction services hub.06-27-2013
20130166441Instant Disposable Payment Card - An instant disposable payment card can have a quick response (QR) code. The QR code can be scanned by the user. Scanning the QR code can facilitate activation and/or funding of the instant disposable payment card and/or can facilitate a creation of an account or an activation of a pre-created account at a payment system provider. The user can then use the instant payment card to pay for purchases. A merchant can scan the QR code or swipe a magnetic strip of the instant disposable payment card to effect payment to the merchant for the purchase. An account of the instant disposable payment card can be funded after use thereof to make a purchase.06-27-2013
20100280941METHOD OF MANAGING A CENTRALIZED PARKING PAYMENT SYSTEM, AND CENTRALIZED PARKING PAYMENT SYSTEM - A method of managing a centralized parking payment system (11-04-2010
20100325040Device Authority for Authenticating a User of an Online Service - A method for authenticating a user of a third party online service includes steps for receiving a device identifier and registration information from a client device of the user, the registration information comprising data that links the device identifier with a third-party account, gathering reputational information regarding the third-party account from one or more reputational sources, associating the reputational information with the device identifier, verifying, in response to receiving a reputation request regarding the third-party account, a request source of the reputation request, and providing, in response to verification of the request source, the reputational information to the request source. The method may be executed by a device authority, such as a computer server, operating through a computer network.12-23-2010
20120150728SYSTEM AND METHOD FOR SPLITTING A TRANSACTION - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for splitting a transaction among multiple participants. A system configured to practice the method first identifies a group of individuals associated with a shared transaction. Then the system identifies a primary individual from the group of individuals and a non-primary group of individuals from the group of individuals, wherein the primary individual is associated with a primary account that existed prior to the shared transaction, and wherein each individual of the non-primary group of individuals is associated with a respective non-primary account that existed prior to the shared transaction. The system establishes a policy for monitoring the primary account for completion of the shared transaction. Then, upon detection of the completion of the shared transaction, the system determines a transaction amount and applies a respective portion of the transaction amount from each non-primary account to the primary account.06-14-2012
20120150732SYSTEM AND METHOD FOR PROCESSING GIFT CARDS ACCORDING TO A COMMUNICATION CONTEXT - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for identifying and handling group gifts. A system practicing the method receives a request to establish a policy governing a money transfer from a giver account to a recipient payment account according to a policy established at least in part on a communication context, wherein the policy indicates that, upon detection of a qualifying transaction made with a recipient payment account, a transfer amount is applied to the recipient payment account. The system analyzes the communication context to determine the giver and the recipient and respective payment accounts. Then the system implements the policy governing the money transfer such that, upon detection of the qualifying transaction made with the recipient payment account, at least a portion of the transfer amount is applied to the recipient payment account from the respective payment account for the giver.06-14-2012
20110161226DUAL CARD - A dual card, which facilitates payment for goods or services from either a credit account or a stored value account, operates on both an open network and a closed network. The dual card is a payment card that integrates the ability to provide credit privileges and stored value privileges to a cardholder of the dual card. The features, benefits, and advantages of a stored value card are integrated with the credit card aspects of the dual card. The benefits, features, and advantages of a credit card are integrated with a stored value card.06-30-2011
20110153494Systems and Methods Associated with Distributing Financing and Risk Among Members of a Value Chain - System and methods associated with a distributed financing model. The distributed financing model distributes financing responsibility and risk among members of a value chain to finance certain buyers of goods or services, including those who are unable to get financing through financial institutions in the traditional manner. As a result, customers are better able to buy goods or services, sellers are able to sell more, and manufacturers or service providers can produce more.06-23-2011
20110153493DYNAMIC LIMIT FUNDING SOURCE - Various methods and systems are provided to enable single purchases or payments to be funded from a plurality of funding sources, where the funding sources have dynamically set limits and priorities by the user. When a purchase or payment request is made, funding starts with the highest priority source, up to its limit, and continues with sequentially lower funding sources up the their limits, until the purchase or payment is fully funded.06-23-2011
20110251949System and Method for Customizing Real-Time Applications On A User Interface - A computer-implemented method for customizing a user interface comprises receiving, from a touchpoint device, identification information entered by a user; accessing a record of the user from a database using the received identification information; determining whether the record has any application windows configured for the user interface on the touchpoint device; transmitting, by a server to the touchpoint device, at least a first financial application window and a second financial application window identified by the record of the user for display of the first financial application window and the second financial application window simultaneously on the user interface of the touchpoint device; receiving instructions from the user via the first financial application window to perform a financial transaction; and performing, by a server, the financial transaction while the touchpoint device displays at least the first financial application window and the second financial application window, wherein the first financial application window and the second financial application window are updated with real-time information.10-13-2011
20110251951ANTI-FRAUD EVENT CORRELATION - Methods, systems, appliances and/or apparati related to identifying potential fraud associated with financial transactions are provided. An example system for identifying potentially fraudulent financial transactions may include transaction-model databases, a fraud assessment engine operably coupled to the transaction-model databases, and a reporting engine operably coupled to the fraud assessment engine. The transaction-model databases may be configured to store transaction-model data associated with a plurality of historical financial transactions. The transaction-model data may include a plurality of attribute data corresponding to a respective attribute of the historical financial transactions. The fraud assessment engine may generate a fraud assessment based (at least in part) on a comparison of current financial transaction attribute data (and/or or the values thereof) with at least a portion of the transaction-model data. The reporting engine may generate a fraud assessment report and/or a fraud alert signal based (at least in part) on the fraud assessment.10-13-2011
20100005023SYSTEM AND METHOD FOR PROVIDING TRANSACTIONAL CREDIT - System and method for a second credit card issuer to provide transactional credit to a credit cardholder of a first credit card issuer, when the cardholder's account with the first issuer is in good standing and has an available credit balance equal to, or greater than, a proposed financial transaction with a merchant who does not accept the credit card of the first issuer, but does accept the credit card of the second issuer. The second issuer may charge a convenience fee to the customer, merchant, first credit card issuer, or any combination of them, for providing the transactional credit. Additionally, the second issuer may provide transactional credit to a customer to complete a financial transaction, via a reactivated credit card account of the second issuer, when the customer has a closed credit card account of the second credit card issuer that was closed in good standing.01-07-2010
20090240619MULTI-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
20090240621Method of Administering an Annuity Having Payments That Maintain or Increase in Purchasing Power - A method of administering a single premium immediate annuity is disclosed. The method includes specifying an income payment amount representing a base level of purchasing power each scheduled annuity payment shall be able to substantially achieve. The amount of the annuity payment to be made at scheduled intervals being adjusted to maintain the purchasing power of the annuity payment, whereby the annuity payment is adjusted to accommodate inflation and maintain a base level of purchasing power. The method of administering the annuity including the inclusion of income payment adjustment ceilings and floors, whereby income payments cannot be reduced below a predefined minimum level, nor can income payments increase above a predefined maximum level in any given year.09-24-2009
20080243684Method and apparatus for funding a transaction - The present invention provides a method and system for pooling commitments. The commitments may be made by different persons from different locations at different times. The commitments are pooled and used to fund a transaction.10-02-2008
20080243683Mechanism for secure rehosting of licenses - In one embodiment, a licensing authority receives a rehost ticket indicating proof of removal of a license from a first device. The licensing authority receives a request for a license for a second device. The licensing authority validates the rehost ticket to ensure that the license on the first device has been removed from the first device. The licensing authority provides a license for the second device if the rehost ticket is successfully validated, wherein the license that has been removed from the first device and the license for the second device provide the same license capabilities. The first device and the second device are associated with the same customer. Payment has been received for the license associated with the first device but payment has not been received for a separate license capable of being applied to the second device.10-02-2008
20080313077System and method for coordinating charitable contributions - A system and method allows charitable organizations through banking partners to calculate, collect and distribute monetary donations provided by financial institutions based on those institution's credit or debit cardholders who have opted to make monetary donations to beneficiaries based on their card usage. The process of making monetary donations by individuals who wish to make such donations is thereby automated and simplified, thus encouraging frequent donations. A donation amount is a simple to understand fixed amount times the aggregate number of transactions made using the card.12-18-2008
20090119204ELECTRONIC SYSTEM FOR SELECTING THE BEST CARD FROM A COLLECTION OF CONSUMER CREDIT, DEBIT, AND DISCOUNT CARDS - A method, system and computer program product for enabling completion of purchase transactions by retrieving purchase card information from an electronic database of consumer cards and applying the appropriate card to the transaction. The database, managed by a central card authority, stores client account information for cards such as debit, credit, phone, and discount cards, which are accessible via a unique, secure login/access credential, such as a username and password combination. During registration with the central card authority, a client classifies key/important factors to consider when performing purchases. The central card authority is accessed by the client during purchases from a retail facility and/or other purchasing environment. The central card authority automatically selects the best card to utilize during a purchase, after weighing the important purchasing factors related to the credit, debit, phone, and discount cards registered with the central card authority.05-07-2009
20090099963Tagged Products And Uses Thereof For After Point-Of-Sale Revenue Sharing - Methods are presented for providing after point-of-sale revenue sharing via tagged software. The methods provided allow for revenue sharing when products or services are provided in the future, or when products are upgraded in the future.04-16-2009
20110258111ALIAS MANAGEMENT AND OFF-US DDA PROCESSING - An alias management and off-us demand deposit account processing system is disclosed. A sending entity initiates a value transfer with a payment processing network indicating a value transfer providing issuer which will conduct the value transfer and a demand deposit account issuer which hosts the demand deposit account that funds the value transfer. The sending entity is able to conduct a value transfer via a value transfer providing issuer using funds from an account with another issuer.10-20-2011
20090055311METHODS FOR IMPLEMENTING SALES TRANSACTIONS USING PREPAID SALES CERTIFICATES HAVING INCREASED VALUE AFTER A PERIOD OF TIME - A method for implementing a sales transaction includes receiving a first payment, issuing a prepaid sales certificate having indicia indicating a first redeemable value for the certificate corresponding to the first payment, and having indicia indicating at a later time a second redeemable value greater than the first payment. The prepaid sales certificate may be received by a merchant, and a determination made whether the later time has passed. Based on the determination whether the later time has passed, at least one of goods and/or services may be provided in exchange for the prepaid sales certificate based on the first redeemable value or the second redeemable value.02-26-2009
20110258114APPARATUS AND METHOD FOR AN ELECTRONIC TELEPHONE WALLET AND/OR COMMUNICATION DEVICE WALLET - An apparatus and method for providing an electronic wallet device, including a memory device for storing payment identifier information associated with an account holder, a processing device for processing a payment command, wherein the processing device retrieves the payment identifier information from the memory device, and a transmitter for transmitting the payment identifier information to a merchant computer, wherein the merchant computer is associated with a merchant, and further wherein the payment identifier information is utilized in a transaction with the merchant.10-20-2011
20080228636PURCHASING USING A PHYSICAL OBJECT - Using a user interface to allow payment for physical or virtual goods to be made through a physical object. A method may be practiced in a computing system including a user interface. The method includes detecting a payment physical object, and payment capabilities associated with the payment physical object. User input is received. The user input includes at least one of physically dragging a physical object to the detected physical object, or graphically dragging the physical or a virtual object to the detected payment physical object by dragging a graphical representation of the physical or the virtual object to the detected payment physical object. Payment for the physical or virtual object is facilitated using the payment capabilities associated with the payment physical object.09-18-2008
20120203692Centralized Transaction Record Storage - A system according to an embodiment comprises a plurality of searchable machine-readable transaction records associated with a plurality of user accounts, the searchable machine-readable transaction records comprising transaction information associated with a plurality of user-merchant transactions, wherein the transaction information is provided by merchant server(s) and is captured and passed by one or more users to the system in response to a determination performed at a respective client device of the user(s) that a webpage comprises transaction information such that an address of the webpage matches an address in a transaction webpage database; one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to provide: a transaction record processing application configured to store the captured transaction information in the searchable machine-readable transaction records associated with the user accounts on the system.08-09-2012
20120203691System and Method for Enhancing Financial Institution Revenues Through Acceleration of Debit Processing - A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transactions and accelerating the account debit transactions. In a further embodiment, account debit transaction processing is accelerated from beginning on what has traditionally been referred to as Day 0 to beginning on some day before Day 0.08-09-2012
20120203690Search Engine System And Information Searching Method - A search engine system includes a search module, an entrance for data submission by data providers, a resource library, and a payment module. The search module is configured to receive an information search request, search for corresponding data information from the resource library, send a payment request to the payment module after receiving a request for viewing the data information, and display or output the data information after receiving an indication of successful payment. The entrance for data submission by data providers is configured to the specialized data providers to submit data information to the resource library. The payment module is configured to receive the payment request, check corresponding account according to account information carrying in the payment request and deduct fees corresponding to the data information from the account, and send the indication of successful payment to the search module after the deduction is successful.08-09-2012
20120203689Real-Time Account Communication - Embodiments of the invention describe a near real-time account messaging system using the ISO 8583 protocol and 0600 administrative message type for sending configurable notification messages to clients based on defined triggers activated by events, or transactions, occurring on an account. The account can be registered with the account messaging system and with the client system. The client is not a participant within the event causing the notification message to be generated and sent to that client.08-09-2012
20120150735PAYMENT SYSTEM - A payment system transfers funds from a purchaser to a supplier of goods and services. A single use transient credit code provided to the purchaser effects the transfer. The transient credit code is redeemable to a value limited to said transfer of funds thereby preventing subsequent fraudulent use of the code. The payment system apparatus transfers a payment from a purchaser to a supplier of goods and services. The apparatus incorporates a code issue device which keeps track of and generates a list of limited-value, single-use credit codes. The device issues the codes on request, receives notification of use of the codes and marks respective, ones as used. The transfer is done by single-use transient credit codes provided to the purchaser. The codes are redeemable to the value limited to a payment.06-14-2012
20080255988INTERACTIVE MEMORIALS - A memorial center is configured to receive a notification, where the notification includes identification information. The memorial center is further configured to authenticate the identification information contained in the notification, thereby creating authenticated data. The memorial center is further configured to receive a request to provide the authenticated data to a designee, and further configured to provide the authenticated data to the designee.10-16-2008
20110010290Interchange Categories - This document describes tools capable of altering to which interchange categories credit-card transactions are assigned. In some embodiments, the tools receive parameters for interchange categories and transaction information for a client (e.g., one or more merchants) that has been charged interchange fees based on some of these categories. The parameters are utilized (e.g., by a credit card issuer) to determine to which interchange category a particular transaction will be assigned. The tools may determine, based on these parameters and the transaction information, how transactions may be changed to enable similar credit-card transactions to be assigned to a lower-cost interchange category.01-13-2011
20110010291Paperless Transaction Trail System - A paperless transaction system (01-13-2011
20110010289Method And System For Controlling Risk Using Static Payment Data And An Intelligent Payment Device - Example embodiments are described that permit a merchant to conduct a payment transaction using a customer's intelligent payment device when it is determined that the customer has an intelligent payment device. In the absence of such a device, the merchant may conduct the payment transaction using a traditional payment token, for example a payment token including static data. The static data may include an intelligent device data, for example a code embedded on a magnetic stripe, that may alert a merchant to the existence of the intelligent payment device. The merchant may then conduct the payment transaction using the intelligent payment device instead of using the static data.01-13-2011
20110055078ONLINE FRAUD PREVENTION USING GENETIC ALGORITHM SOLUTION - Online fraud prevention including receiving a rules set to detect fraud, mapping the rules set to a data set, mapping success data to members of the rules set, filtering the members of the rules set, and ordering members of the data set by giving priority to those members of the data set with a greater probability for being fraudulent based upon the success data of each member of the rule set in detecting fraud. Further, a receiver coupled to an application server to receive a rules set to detect fraud, and a server coupled to the application server, to map the rules set to a data set, and to map the success data to each members of the rules set. The server is used to order the various members of the data set by giving priority to those members of the data set with a greatest probability for being fraudulent.03-03-2011
20110055077PORTABLE CONSUMER DEVICE WITH FUNDS TRANSFER PROCESSING - A portable consumer device with funds transfer processing systems and methods are disclosed. A sending entity may initiate a money transfer from one portable consumer device, such as a credit or debit card, to another portable consumer device through a money transfer system. A sending entity may initiate a payment request and the money transfer system may prompt the sending entity to use one of a plurality of payment account identifiers it possess. A recipient entity is defined by either an alias or a recipient entity personal account identifier. Additionally, an unregistered recipient entity may return a claim code to the money transfer system to claim a money transfer.03-03-2011
20110055076RESPONSE TO ALERT MESSAGE - One embodiment of the invention is directed to a system comprising a server computer, a database coupled to the server, and a notification device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive a request to modify delivery instructions for alerts associated with a consumer, and modify delivery instructions for alerts associated with the consumer.03-03-2011
20110055075SYSTEM, METHOD AND APPARATUS FOR SEARCH CODE INFORMATION RETRIEVAL - An information retrieval system using a search code is provided. Embodiments of the present invention may include a processor component configured to perform the operations of a system application, the system application configured to generate one or more data records, the system application further configured to generate multiple search codes and store the multiple search codes and the one or more data records in memory and associate each of the one or more data records with one or more of the multiple search codes, each of the one or more data records including instructions for the execution of a predetermined action. The predetermined action may be, for example, delivering content, sales, a marketing activity, a discount offering, an advertisement campaign, a transaction, an application to use, or any other type of offer that is generally directly at users of offline or online media.03-03-2011
20110055074VISUALIZATION FOR PAYMENT CARD TRANSACTION FRAUD ANALYSIS - A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards.03-03-2011
20110258112SYSTEM AND METHOD FOR CHARGING A VEHICLE - A system and method for charging a vehicle, including receiving electricity via a wall box mounted electrical receptacle or a plug-in receptacle electrically connected to an electrical energy source; establishing a connection between a communication module of the wall box mounted electrical receptacle or the plug-in receptacle and a communications network; receiving electrical energy source data; and controlling the charging of an electrical storage device of the vehicle by automatically controlling the charging based on the electrical energy source data.10-20-2011
20100293092FORECLOSURE PREVENTION AND PROTECTION - A method for process monitoring is disclosed. A borrower is offered a foreclosure prevention and protection plan associated with a secured loan. A periodic payment is received from the borrower in response to the borrower accepting the foreclosure prevention and protection plan. The foreclosure prevention and protection plan allows for at least a portion of a loan payment for the secured loan to be covered by a foreclosure prevention and protection (FPP) entity on behalf of the borrower in response to a covered event occurring. The foreclosure prevention and protection plan additionally may allow for paying/cancelling the debt's investor in response to loss of the property by the borrower.11-18-2010
20120150730SYSTEM AND METHOD FOR PROCESSING GROUP GIFT CARDS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for managing a group gift using a system in which a recipient (purchaser of the group gift) and givers have registered payment accounts with the system. The system displays, on a graphical user interface, at least the giver and the recipient to yield a proposed transfer configuration at a first time. A gift or a merchant can also be identified in the interface. Upon receiving a confirmation from at least one of the giver and the receiver of the proposed transfer configuration, the system establishes a money transfer policy that indicates that, upon detecting a qualifying purchase made using the recipient payment account, at least a portion of a transfer amount is applied to the recipient payment account from at least one giver account. The system simplifies the process of a group of people joining together to buy a gift.06-14-2012
20110010292PAYMENT TRANSACTIONS USING PAYEE ACCOUNT ALIASES - Embodiments of the invention provide a system and method for using aliases, such as mobile telephone numbers, email addresses, and social networking identifications, to identify a payment recipient's account involved in a payment transaction. Some embodiments of the method include: (1) receiving a payment request from a payment sender via a communication from a remote device, where the payment request includes an alias, and where the alias is not an account number; (2) using a processor to identify a payment recipient's financial account based at least partially on the alias; and (3) transferring funds from the payment sender's account to the payment recipient's account. Identifying the payment recipient's financial account based on the alias may include accessing a memory device having a data repository stored therein that maps each of a plurality of aliases back to a financial account number, and then using the data repository in combination with the alias to identify the payment recipient's financial account number.01-13-2011
20110125635METHOD AND SYSTEM FOR MANAGING DISTRIBUTOR INFORMATION - An embodiment of the invention provides a system that enables financial services companies to manage and track information about a sales force. The system includes components for managing distributors information, for validating and tracking licenses and credentials, for creating customized contracts, and for maintaining compensation structures. The system allows for configuring compensations, providing financial services companies a toolkit for creating and modeling their complex commission schedules used to compensate their sales force. The system also provides modeling tools for agreements and contracts between a financial services company or provider and the distributors who sell products. The system has a multi-component architecture comprising multiple modules, multiple data processing engines, a backbone and multiple data sources. The processing modules carry out information processing using one or more data processing engines. The data processing provides the tools to fetch data from the databases and process it.05-26-2011
20110125633TRANSACTION PROCESSING - In prior art methods of processing transactions, funds for any given transaction are typically designated for payment from a single account. Further, funds are often pre-paid into accounts associated with a subscription to a telecommunications network, reducing the funds that a user can allocate to the single account. This can cause the amount of funds available from the single account to be below that required to cover one or a series of transactions, leading to the problem that only transactions of a limited size or number can be effected for a given account balance. In embodiments of the present invention, a method of processing a transaction is provided in which, responsive to a request for a transaction, a plurality of accounts associated with a party to the transaction are identified, including at least one account associated with a subscription to a telecommunications network. Funds for the transaction are selected on the basis of account balances of the identified accounts. This enables a greater amount of funds to be available for effecting transactions than in prior art methods.05-26-2011
20110137791SYSTEM, METHOD AND APPARATUS FOR PROVIDING A UNIVERSAL FINANCIAL TRANSACTION GATEWAY FOR COMPUTING DEVICES - A universal financial transaction gateway for mobile computing devices is provided. The universal financial transaction gateway can comprise at least one core mobile network interface for connecting to a mobile electronic device via a core mobile network. The at least one interface is configured to emulate an interface inherent to the core mobile network. The gateway also comprises a transaction engine connected to the interface and configured to receive transaction instructions from the mobile electronic device via the core mobile network interface. The gateway also comprises a plurality of financial server interfaces for connecting to a plurality of accounts associated with a plurality of financial servers. The plurality of financial server interfaces is configured to emulate an interface inherent to each of the financial servers. The transaction engine is configured to effect the transaction instructions on the financial servers via the financial server interfaces.06-09-2011
20110137792SYSTEM AND METHOD FOR DYNAMIC PATH- AND STATE-DEPENDENT STOCHASTIC CONTROL ALLOCATION - The invention includes a system and process that employs contractual bargaining with agent-based computational methods for the dynamic allocation, optimization, and pricing of contingent rights and obligations between multiple counterparties with overlapping interests. The processes employ a dynamic and endogenous hierarchy or tiering of binding incentive compatible contingent strategies, which may include optimal liquidation policies for matched assets and liabilities based upon stochastic volume/price schedule related to statistically non-stationary supply/demand elasticities and order-flow, as well as variations in market microstructure. The invention includes a dynamic open system with distributed stochastic control of strategic interactions among dynamic optimizing agents across random states, wherein the actions of any one affects the joint costs and benefits for all the agents.06-09-2011
20100262537ARTIFICIAL INTELLIGENCE SETTLEMENT SYSTEM FOR OPTIMUM CARD RECOMMENDATION SERVICE AND PAYMENT APPARATUS AND COMBINATION CARD PAYMENT TERMINAL FOR THE SAME - Disclosed herein is an artificial intelligence payment system for recommending an optimum card capable of providing a maximum benefit from among a plurality of cards issued to a user. The artificial intelligence payment system includes a payment apparatus (10-14-2010
20090089208METHOD AND SYSTEM FOR CHARGING CORRELATION - A charging correlation method for an application or service is provided. The method may include: receiving a service identifier assigned for an application or service; and correlating Charging Data Records CDRs generated for the application or service based on the service identifier. A charging correlation system, a billing center and an apparatus are also provided. These method and apparatus may provide a simple charging correlation process for an application or service.04-02-2009
20100179905Web-Based Coordination of Volunteer Sign-Up Sheets - A light-weight, easy to use, commonly accessible, sign-up sheet that can be sent to volunteers and/or participants on email or social media vehicles. The sign-up sheet preferably has some or all of the following features. In some cases, the sign-up sheet auto-updates and keeps everyone informed. It preferably aids the organizer (and volunteers) in dealing with changes to the sign-up sheet. In one aspect, organizers can pre-assign volunteers to tasks. The sign-up sheet, preferably at all times, helps all parties involved to keep an accurate and current record of commitments to tasks, including commitments of time, items and payments, without the need to resort to multiple unnecessary broadcast emails. The platform preferably allows the organizer to send automated reminder emails to volunteers at the right time with the correct information.07-15-2010
20110258113Document Processing System Using Full Image Scanning - A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means for associating each processed bill with the customer depositing the bill. Means for identifying the customer (or customer account) associated with a particular processed bill after the deposit transaction has been completed is also included in the system.10-20-2011
20110258110Leveraging a Power Distribution System to Provide Establishment Services - Some embodiments leverage a power distribution system to provide a mobile platform with which establishments can connect to users and provide establishment services to the user. Specifically, the power distribution system includes several distributed power stations and a server that authorizes access to power of each power station. Additionally, the power distribution system provide a mobile application that runs on an electronic device and that sends to the server a request to access power from a power station at a particular establishment. Through the mobile application, establishments can provide content to the user from which users can request and obtain services from the establishment. The mobile application requests such services by communicably coupling to a server of the establishment.10-20-2011
20110137790MAINFRAME-BASED FAR-DISTANCE BICENTRIC TRANSACTION INFORMATION PROCESSING METHOD AND SYSTEM - A mainframe-based far-distance bicentric transaction information processing system, providing a processing operation solution. The method includes: receiving upload transaction information containing transaction type data; searching transaction information requiring an amount of shared resource less than a preset threshold when being processed, according to the transaction type data; and transmitting the transaction information requiring the amount of shared resource less than the preset threshold when being processed, to a backup processing center to be processed, when CPU utilization rates exceeds a preset safety threshold. The system includes a main processing center and a backup processing center. The transaction information processing method and system implement the mainframe parallel sysplex far-distance bicentric transaction processing including the main processing center and the backup processing center, which expands the physical distance between the two centers, improves the processing capability and reliability of the transaction system, and sufficiently utilizes the resources of the backup processing center.06-09-2011
20120310823METHOD AND SYSTEM FOR OPERATING A SOCIAL FUNDING PLATFORM AND FOR INTERACTIVE FUNDRAISING IN A SOCIAL NETWORK ENVIRONMENT - A social network fundraising system receives a business funding request associated with one or more traits from an entrepreneur/fundee. The system selects potential/candidate funders based at least partly on a ranking corresponding to their respective relationship to the fundee. The system sends a request message successively and preferentially to groups of one or more candidate funders according to the ranking order until funding offers are received from one or more candidate funders. The system sends received offers and information identifying the funders to the entrepreneur, and may facilitate automatic negotiation between each potential funder and the entrepreneur. The ranking order may correspond to statistical similarity between traits associated with a request and traits associated with a candidate funder, as well as to social similarity between the entrepreneur and candidate funder resulting from analysis of social network profiles. The system may facilitate displaying funding status on a funder's social network profile.12-06-2012
20120310822AGGREGATING DEBT TO INCREASE BARGAINING POWER - Systems and methods for aggregating debt to increase bargaining power are provided. An example system includes a web-based aggregating service that enlists subscribers or participants. The service compiles multiple individual debts owed to one creditor by numerous participating members into an aggregated debt with which to approach the creditor for negotiation of a discounted payment. The payment is attractive and relatively reduced from the standpoint of the debtors because it is discounted. Since the discount is applied to numerous debts that are to be resolved in a relatively short timeframe, the payment is attractive, paid quickly, and relatively increased from the standpoint of the creditor, compared with conventional individual collections, which are relatively expensive and have a poor success rate.12-06-2012
20120310820ENGINE, SYSTEM AND METHOD FOR PROVIDING CLOUD-BASED BUSINESS INTELLIGENCE - An engine, system and method for providing cloud-based business intelligence data, responsively to received company information, including a local front end comprising a graphical user interface capable of locally querying a user for an electronic location of the received company information, and ones of the business intelligence data to be displayed on the graphical user interface upon upload of the received company information from the electronic location, and further including an at least partially remote back end, comprising an accessing engine capable of accessing the electronic location for uploading to the cloud of only ones of the received company information indicative of the ones of the business data intelligence to be displayed, and a charging engine for charging an account of a user of the front end $1 per the ones of the business intelligence data to be displayed.12-06-2012
20110191238VARIABLE MERCHANT SETTLEMENT OPTIONS - Embodiments of the invention provide for offering variable settlement options to merchants. The merchant and/or the financial institution can define settlement rules based on many settlement options, such as settlement time, settlement location, settlement channel, type of product/service associated with the transaction, and the like. Based on the occurrence of a transaction, the transaction parameters, such as settlement time, location and/or channel are determined by applying the settlement rules to the transaction. Accordingly, the transaction is settled according to the determined settlement rules. In alternate embodiments merchant settlement variables, such current financial status, cash flow requirements, credit requirements and the like, are monitored and the variables are applied to the settlement rules to determine the settlement parameters.08-04-2011
20100121763Method and apparatus to facilitate using a virtual-world interaction to facilitate a real-world transaction - One presents (05-13-2010
20110087589Debit or Credit Card Data Transaction Methods and Devices - Debit or credit card transaction data includes one or a combination of digital card data read from a debit or credit card, transaction amount, shop identification information, and personal identification information like PIN numbers. This card transaction 04-14-2011
20090292639INTERCOMPANY TRANSFER PROFIT TRACKING SYSTEM - A system receives an intercompany transfer of a plurality of goods from a first entity to a second entity. The intercompany transfer results in an internal profit/loss. The system stores the internal profit/loss in a first entity internal profit/loss element that is assigned to the second entity. The system then receives a external transfer from the second entity to an external entity of at least one of the plurality of goods. The system then automatically realizes a portion of the internal profit/loss for the first entity based on the external transfer and the first entity internal profit/loss element.11-26-2009
20090144193Sub-Account Mechanism - A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account.06-04-2009
20090299897METHOD AND APPARATUS FOR PROVIDING AN AUTOMATED CONTENT TIME-SHARING SERVICE - A method and apparatus for providing an automated content time-sharing service to a plurality of participants are disclosed. A user accesses a service platform, (e.g., via a Web site), that provides the service, and selects content, (e.g., a written, audible and/or visual work), offered by the service platform. The user interacts with the service platform for scheduling access to portions of the selected content, and identifying and grouping participants, (which may include the user), whom are to be granted access to the content portions. The user may also further interact with the service platform to generate content portion-forming information, (e.g., number and/or order of content portions). A dedicated Web space is provided for each group of participants to access and post communications about the selected content portions. The communications are then are archived according to the time interval during which the communications were posted.12-03-2009
20110191239MONITORING RETAIL TRANSACTIONS ASSOCIATED WITH A FINANCIAL INSTITUTION-BASED MERCHANT OFFER PROGRAM AND DETERMINING SAVINGS METRICS - Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the transaction monitoring occurs at the financial institution level, the savings metrics may include both amounts saved by accepting the merchant offers associated with the program and savings amounts lost by conducting a transaction absent a merchant offer when an applicable merchant offer was available.08-04-2011
20110191237Information Access Device and Data Transfer - Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device.08-04-2011
20090048969Systems and Methods for Facilitating Transactions Between Different Financial Accounts - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller.02-19-2009
20100030685TRANSACTION ANALYSIS - Under the present invention a transaction is processed and analyzed for potential fraud or error. Specifically, a description of a (proposed) transaction is accessed. Among other things, the description contains an expected set of events (e.g., derived from historical data). As the transaction is being performed a set of multimedia devices will record the same. The multimedia signal(s) from the set of devices will be analyzed to determine what event(s) actually took place. The actual event(s) will be compared to the expected event(s) to determine if any deviation/difference exists. If there is a difference, and it is beyond a predetermined tolerance, a notification can be generated. Regardless, a log of the activities will be kept.02-04-2010
20100023449MOBILE 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
20130013494PEER-TO-PEER AND GROUP FINANCIAL MANAGEMENT SYSTEMS AND METHODS - This relates to transferring funds from a payer to a payee in a electronic payment system. The electronic payment system includes a payment processor and an accounts database. The payment processor receives a payment request from the payer. The payment request includes information to identify the payee and a payment amount. An accounts database is accessed to determine if the accounts database includes an account associated with the payee. Based on a determination that the accounts database includes an account associated with the payee, an electronic message is sent from the payment processor to the payee, to notify the payee of the payment request. The accounts database is accessed to determine if the payee is identified as having a trusted relationship with the payer.01-10-2013
20100017325MULTIPLE FINANCIAL ACCOUNT TRANSACTION PROCESSING - A computer-implemented method of point of sale transaction processing can include determining an identity of a user at a transaction site, identifying a plurality of financial accounts associated with the user, and for each financial account, accessing account information associated with the account. The method can include identifying a vendor type for the transaction site, selecting a financial account with which to process a transaction according to the vendor type and the account information for each of the plurality of accounts, and outputting the selected financial account. A list of financial accounts and incentives may be presented from which a user may select a particular financial account for processing the transaction.01-21-2010
20130013492METHOD AND SYSTEM FOR REFUNDS AND/OR CREDITS RESPONSIVE TO CONSUMER DISSATISFACTION WITH SOFTWARE DOWNLOADS - A method for providing buyer protection for purchased software includes receiving input, from an input device, to initialize buyer protection applicable to purchased software and providing the purchased software to the input device. The method also includes processing payment, by a processor, of a fee for a return of the purchased software, determining that a request for return of purchased software has been received from the input device, and approving the return of the purchased software. By the processor, the method also encompasses steps of at least one of returning, as a refund, at least a portion of a price paid for the purchased software or providing a credit against a future software purchase and at least one of disabling or removing the purchased software from the input device.01-10-2013
20090198612NON-CREDIT ACCOUNT CREDIT RATING - A consumer's credit rating is derived from non-credit transactions on an account. Each transaction was a purchase by the consumer from a merchant using a pre-paid card. The derived consumer's credit rating can use a total of all of the transactions, totals for each merchant and/or for categories thereof. Here, the account is issued by an issuer to the consumer. Each merchant submits each non-credit transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for the transaction from the account. The issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to pay the merchant for the purchase of the transaction. The derived credit rating can also consider prior credit ratings based upon prior credit transactions.08-06-2009
20080208737Funds Transfer Method and Apparatus - A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a common account holder. The withdrawal and deposit of assets may be initiated after analyzing multiple accounts of the account holder and determining whether an adjustment of funds among the multiple accounts would benefit the account holder. A debit instruction is used to initiate the withdrawal of assets and a credit instruction is used to initiate the deposit of the withdrawn assets. The withdrawal and deposit of assets can be implemented using one or more payment networks, debit networks, or a wire transfer between the two financial institutions.08-28-2008
20100030686RETIREMENT PAYCHECK APPARATUS AND METHODS - Apparatus and methods for providing funds to a bank customer. A bank customer may have a retail bank account in the custody of a bank. The bank may provide retail banking services to the bank customer in connection with the retail bank account. After providing the retail banking service, the bank may electronically link a retirement fund management module to the bank account. The retirement fund management module may be configured to transfer a predetermined amount of retirement funds into the bank account. The transfer may be made in accordance with rules. The rules may be selected by the bank customer.02-04-2010
20080270297Gathering Information from a Financial Website - This document describes tools capable of gathering information from websites of financial institutions. In some embodiments, the tools gather financial statements by automatically navigating through a website for each entity of a group. The tools may then download and save into a single batch all of the financial statements for the group.10-30-2008
20080288397Systems and Methods For Updating Remittance Data For Payees - Systems and methods for updating remittance information associated with a payee are disclosed, where a service provider receives updated remittance information associated with a payee and identifies a database entry associated with the payee that includes preexisting remittance information. The updated remittance information is then stored in association with the database entry as a potential replacement for the preexisting remittance information. A determination is then made as to whether a threshold value has been reached, where the threshold value is associated with a count of the number of times the updated remittance information has been previously received. Upon determining the threshold value has been reached, the preexisting remittance information is replaced with the updated remittance information in the database. The remittance information may include a payee's address or other information useful in directing a payment to the payee.11-20-2008
20110145143INTERNET BILLING METHOD - A system that incorporates teachings of the present disclosure may include, for example, identifying a consumer account managed by a service provider to which purchases are chargeable, the identification of the account based on transactional information, enabling customer equipment to request a purchase of an electronically-purchasable item of a vendor via network equipment of the service provider, wherein the vendor is a party other than the service provider, charging the consumer account a fee for a purchase initiated by the customer equipment, and remitting a portion of the fee to an account of the vendor. Other embodiments are disclosed.06-16-2011
20080249931ELECTRONIC PAYMENT SYSTEMS AND METHODS UTILIZING DIGITALLY ORIGINATED CHECKS - The present invention provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The EPS is operable to clear the DOC through either paper or electronic Check 21 mechanisms.10-09-2008
20120041870Systems and Methods to Identify Carrier Information for Transmission of Premium Messages - In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a phone number, a payment amount and a payee, and in response, use a pinging message to determine telecommunication carrier information of the phone number, select a converter, determine a set of premium messages in accordance with the telecommunication carrier information, and use the selected converter to transmit the set of premium messages to the phone number to collect funds to pay the payee on behalf of a user of the mobile phone.02-16-2012
20110307375VEHICLE RENTAL TRANSACTION SYSTEM AND METHOD - A vehicle rental transaction system and method which provide a vehicle lot owner with a choice of options for vehicle security and customer convenience. The vehicle rental transaction system includes a computer for identifying a customer as part of a rental transaction involving a vehicle, and for sending a wireless message to the vehicle containing instructions for preparing the vehicle for the customer. Example instructions include, but are not limited to, unlocking doors and a trunk of the vehicle, adjusting power seats and power mirrors in accordance with customer preferences, adjusting climate control settings in accordance with the customer preferences, adjusting radio station settings in accordance with the customer preferences, and adjusting GPS settings in accordance with the customer preferences.12-15-2011
20120041873METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount.02-16-2012
20120041872SYSTEM AND METHOD FOR PAYMENT DATA PROCESSING - A system for processing transaction data and payment data is provided. The system includes a front-end system that receives transaction data from one or more merchants, such as an employee identifier. A back-end system receives payment data from one or more payment systems, such as fraud data. A reporting system that is connected to the front-end system and the back-end system correlates the transaction data the payment data, such as to show employee identifier data and fraud data in a single record.02-16-2012
20120041871CONTROLLING CONSUMPTION OF A SHARED SERVICE - There is provided a method that includes (a) obtaining a first balance indicative of a first available funding for a service for a subscriber, in which the first balance may be consumed by the subscriber; (b) obtaining a second balance indicative of a second available funding for the service, in which the second balance may be consumed by the subscriber; (c) determining whether both of the first and second balances are sufficient to provide for the service; and (d) issuing a communication to a device to permit usage of the service by the subscriber, if both of the first and second balances are sufficient to provide for the service.02-16-2012
20120066118Interface Integration Application Connection between Websites and Social Network in Addition with the Social Network Tree Chart System - An interface integration system of a website that provides users with the ability to browse other member profiles from social networks before deciding to initiate a dating communication. This system will help break down geographical barriers while enabling users or members to learn more about a prospective candidate before expending time and effort to pursue interaction. The user provides the present invention permission and credentials to interface the website with his/her social network profile. Social network profile data is imported to the user's website profile and is used to create a tree chart diagram for the desired connection type. These tools allow individuals in the website to be checked or to check others for initiation of safe communication.03-15-2012
20120150734VALUE EXCHANGE SYSTEM FOR USE WITHIN AN INTERNET-BASED SOCIAL NETWORK - Certain embodiments contemplate a computer-implemented method of enabling a value exchange between users of a SNS which functions within the confines of the SNS. Certain embodiments comprise an application which creates at least an interface to the value exchange system, a means for registration to enable users to register with the value exchange system, a means for receiving at the value exchange system, a value exchange transaction between a first user and a second user, wherein the users are members of a same internet-based social network and the value exchange system makes use of the internet-based social network account identifiers of the respective users to enable the communication of value exchange transactions between the users. The application may also create a value exchange means for debiting from or crediting to the value exchange system account of first and second users.06-14-2012
20120150733Ecological impact compliance - Systems and methods for providing ecological impact quantification identifiers may implement operations including, but not limited to computing at least one ecological impact quantification associated with at least one life-cycle phase of a product; and means for assigning at least one of a positive ecological impact status, a negative ecological impact status and a neutral ecological impact status with a user account according to the at least one ecological impact quantification.06-14-2012
20120072341ALLOCATING APPLICATION SERVERS IN A SERVICE DELIVERY PLATFORM - Application service allocation may be provided. An initial filter criteria comprising an application service may be identified as being associated with a machine. A host address for the application service may be resolved, and the application service may be invoked. A service profile comprising the at least one initial filter criteria may be transmitted to the machine. A plurality of data may be received from the machine and transmitted to the host address associated with the application service.03-22-2012
20090171836SYSTEM AND METHOD FOR IDENTIFICATION VERIFICATION OVER A FINANCIAL NETWORK - A system and method for identification verification over a network is described herein. In one embodiment, the system for identification verification over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface an image of an individual from a merchant system, verify the image received from the merchant system by comparing the image received with a known good image of the individual, and indicated one of positive identification or negative identification back to the merchant system.07-02-2009
20090171835Multiple Payment Transaction Systems - A system and method of conducting multiple payment transactions is disclosed. The system and method allow a consumer to make contributions to selected groups based upon the consumer's financial activity. The invention could be used by a consumer to identify beneficiaries and can be used by merchants and payment network providers to provide donations.07-02-2009
20120150726PAYMENT SYSTEM USING SPENDING GATES - A method for making a payment includes receiving a plurality of spending gate definitions for a customer account over a network. Each of the plurality of spending gate definitions associates at least one of a plurality of funding sources of the customer account with a purchase amount range. The plurality of spending gate definitions are stored in a database. A payment request for a purchase using the customer account is received over the network. The payment request includes a payment amount. The payment amount is corresponds to a first purchase amount range included in at least one of the spending definitions in the database. A payment is made using the at least one funding source of the customer account that is associated with the first purchase amount range according to the at least one spending definition.06-14-2012
20120254022INFORMATION COMMUNICATION DEVICE AND LINK METHOD - Internet connection units dissolve a PC-mobile phone link where a PC operates as an AP (access point) and a mobile phone operates as an STA (station) and cause the PC and the mobile phone to operate as the STA and the AP, respectively. The Internet connection units then connect the PC to the Internet via the mobile phone.10-04-2012
20120005078TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005074INLINE LINK PAYMENT - One or more pay links are provided on a content page, where the user can select the pay link to make a payment directly through a payment provider. A window is opened for the payment provider, and the user access a user account. The user makes the payment and returns to the original content page.01-05-2012
20120005089TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005086TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005092TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005090TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005076SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE - A method and system include verifying credentials for gaining access to a transactional controller with the portable computing device. The transactional controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The transactional controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data to offer data or coupon data may be sent to the PCD and the POS controller. Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the POS controller. During or after the purchase transaction, a message may be generated by the transaction controller which lists one or more preferred payment options that may be selected using the PCD to complete a purchase.01-05-2012
20120005075SYSTEMS AND METHODS FOR INCREASING COLLECTION AGREEMENT FULFILLMENT AND TRACEABILITY - A system for receiving a payment for a financial obligation of a payer via a staged transaction, and for identifying an originator of the staged transaction. A collection system may be configured to, per the originator, associate the obligation with an identifier which may be unique to the obligation and indicative of the originator, to associate the transaction with the identifier, and to provide the identifier to the payer. A provider system may be configured to receive a first record related to the transaction from the collection system, to receive a second record related to the transaction which indicates a payment has been received, and to send a third record related to the transaction to the collection system which indicates a payment has been received. A provider subsystem may be configured to receive the identifier from the payer, and send the second record to the provider system.01-05-2012
20120005073Financial Transactions Processing System including Cash Automation Machine - A financial transactions processing system includes a safe (cash automation machine) that performs transactions including at least one of receiving and distributing money. A controller, such as a teller computer, issues instructions to the cash automation machine to perform the transactions. A processor, such as a bank branch CPU, receives data from the cash automation machine and the controller relating to the transactions and analyzes the data. This data can include data relating to at least one of the following: number of transactions, duration of each transaction, type of each transaction, denomination of money distributed and/or received, and date and time of the transactions. The processor (bank branch CPU) can advantageously use this data in a number of ways, including at least one of the following: to accurately and effectively assign teller work schedules, perform or schedule maintenance or repairs, provide economic advantages, etc.01-05-2012
20120209763INDIVIDUAL LOCKER ASSEMBLY FOR REFRIGERATORS - The individual locker assembly for refrigerators is intended for use in the workplace for employees to secure their perishable foods and beverages. The locker assembly is also suitable for installation in refrigerators in medical offices and the like for the secure storage of controlled medications and the like that must be refrigerated. The locker assembly has a series of panels and dividers installable in an existing refrigerator unit, with the panels and dividers defining a series of individual lock boxes, each having its own lockable door. Alternatively, a specially configured refrigerator has an open front and a series of individual lock boxes installed therein. Each lock box is in contact with other boxes and/or the walls, floor, and top panels of the refrigerator, and is thermally sealed thereto. Each lock box has its own lockable door. The refrigerator includes a system for automating the lock box rental transactions.08-16-2012
20120005081TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005091TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005077TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005082TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120005079TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120011060Interchange Categories - This document describes tools capable of altering to which interchange categories credit-card transactions are assigned. In some embodiments, the tools receive parameters for interchange categories and transaction information for a client (e.g., one or more merchants) that has been charged interchange fees based on some of these categories. The parameters are utilized (e.g., by a credit card issuer) to determine to which interchange category a particular transaction will be assigned. The tools may determine, based on these parameters and the transaction information, how transactions may be changed to enable similar credit-card transactions to be assigned to a lower-cost interchange category.01-12-2012
20120011059Systems and Methods to Receive Funds via Mobile Devices - In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a source phone number and a destination phone number, use a first converter to communicate with a mobile phone at the source phone number to obtain a confirmation of the request, obtain an amount of funds from a funding source associated with the source phone number, and use a second converter to transmit a message to a mobile phone at the destination phone number to indicate the availability of the amount of funds.01-12-2012
20120011058TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-12-2012
20090063336Financial & technology solutions for 21st century crime fighting - A self-funded resource collection process that collects recourses, such as identification and crime fighting technology, that are required by an agency, such as a law enforcement agency, and provides means for funding the self-funded resource collection process.03-05-2009
20110166991AUTOMATED METHOD AND ARTICLE OF MANUFACTURE FOR FULLY INSURING LARGE BANK DEPOSITS VIA A NETWORK OF BANKS WITH LIMITS ON AMOUNT OF ORDERS THAT A BANK AND/OR CUSTOMER CAN PLACE WITH THE NETWORK - An automated method is provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large deposits are received from a plurality of unaffiliated banks from their respective depositors. Orders are received at a processor from the plurality of banks to process large deposits. The processor automatically compares each order to a preset maximum order amount. Each of the large deposits for each order are partitioned using the processor into a plurality of deposit portions if the order does not exceed a preset maximum order amount. The partitioning is performed in a manner so that each deposit portion does not exceed the established deposit insurance limit. The processor assigns at least some of the deposit portions for each of the large deposits for each order to at least some banks that are unaffiliated with the bank that received the large deposit for deposit therein if the order does not exceed the preset maximum order amount.07-07-2011
20110166993METHOD AND APPARTUS FOR FULLY INSURING LARGE BANK DEPOSITS - An automated method is provided of processing funds in amounts that are subject to an established deposit insurance limit so that the funds are eligible to be fully insured. The funds are assigned to a processor that creates a plurality of deposits on behalf of a plurality of banks for depositors of the funds. A plurality of orders to process the funds are received at the processor. The processor prioritizes the plurality of orders for order filling based on various different factors. The processor then partitions each of the fund amounts associated with the order being filled into a plurality of deposit portions in a manner such that each deposit portion does not exceed the established deposit insurance limit. The processor allocates each of the deposit portions associated with the order being filled to a specific one of the banks. In this manner, a deposit is established via the processor at the bank to which the deposit portion was allocated.07-07-2011
20110166992SYSTEM AND METHOD FOR CREATING AND MANAGING A STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT UNIQUE IDENTIFIER - A method for creating and managing a stored value account associated with a client device is disclosed and may include receiving one of a merchant identifier and an unbranded place holder to associate with the stored value account, receiving an amount of value to assign to the stored value account, and creating a virtual token for the stored value account that is associated with the client device. The method may further include creating a unique identifier associated with a client device, if a stored value account is associated with a merchant identifier, then creating an account number, and if a stored value account is associated with a merchant identifier, then creating an association between the account number and the unique identifier and between the account identifier and the merchant identifier in a database.07-07-2011
20110166990AUTOMATED METHOD AND ARTICLE OF MANUFACTURE FOR FULLY INSURING LARGE DEPOSITS RECEIVED FROM A PLURALITY OF CUSTODIANS FROM THEIR RESPECTIVE DEPOSITORS - An automated method is provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large deposits are received from a plurality of unaffiliated custodians from their respective depositors. A processor receives orders from the plurality of custodians to process large deposits. The processor partitions each of the large deposits for each order into a plurality of deposit portions in a manner so that each deposit portion does not exceed the established deposit insurance limit. The processor then assigns at least some of the deposit portions for each of the large deposits for each order to at least some custodians that are unaffiliated with the custodian that received the large deposit for deposit therein.07-07-2011
20130013496CONTENT MANAGEMENT APPARATUS - An apparatus is configured to provide a chart of content items to user devices. The apparatus is configured to enable individual users to temporarily access one or more content items listed in the chart. The apparatus includes a user device interface configured to communicate with user device applications and a permissions module configured to define user access permissions, including temporary user access permissions, relating to individual ones of the one or more items of content. The apparatus also provides a distribution module configured to implement permissions defined in the permission module in relation to user devices by making available one or more items of content listed in the chart to at least one user device application.01-10-2013
20120116961SYSTEM AND METHOD FOR MAKING FUNDS AVAILABLE FOR GAMING - A system for making funds available for gaming which includes a terminal which is configured to read customer information from a card. The terminal includes an input/output unit configured to allow the customer to select a quasi-cash transaction and to generate an order authorizing the quasi-cash transaction. The system also includes a station which is configured to retrieve the order and information verifying the identity of the customer and, when the identity of the customer is verified, is configured to, at the customer's option (1) obtain an electronic endorsement from the customer and place the electronic endorsement in an electronic image or (2) print out a hard copy of a check for endorsement by the customer.05-10-2012
20120016796Apparatuses, Methods and Systems for a Trackable Virtual Currencies Platform - Methods for detecting fraud using virtual currency transaction include receiving information regarding a virtual currency transaction from a user. The information is analyzed to determine whether the transaction involves a user that is being tracked, wherein the user being tracked is associated with an elevated level of risk of fraud. When a user associated with the transaction is being tracked, the virtual currency transaction is monitored using tracked virtual currency. The virtual currency transaction is identified as potentially fraudulent based on the monitoring.01-19-2012
20120016793Wearable Contactless Payment Devices - Contactless payment devices are incorporated in wearable accessories and accouterments. The payment devices include switches, which are operable to activate proximity payment functionality of the devices. The payment devices can optionally include magnetic stripes so that the devices have both proximity and contact payment functionalities.01-19-2012
20120016795INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company.01-19-2012
20120059761Transfer Instrument - A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an account issuer different from the transfer instrument issuer, without both issuing and providing a physical card for the national card account to the recipient of the certificate, the certificate having been purchased by a purchaser, who is not also the recipient, and containing all information necessary for the purchase of goods or services from any merchant who is capable of processing economic transactions involving one of the plurality national card accounts for which a physical card has issued, but without presentment of the physical card.03-08-2012
20120059759FUNDRAISING SYSTEMS AND METHODS - A method of facilitating pledges of monetary value between a pledgee and pledgor, the method including the steps of providing a graphical user interface having a plurality of selectable performance metrics and at least one input for a factor of monetary value, receiving a selected performance metric of the plurality of performance metrics and the at least one input for a factor of monetary value, transmitting and storing the received selected performance metric and the received input of a factor of monetary value to computer readable memory of a computer server system, periodically querying and obtaining a measured value of the selected performance metric and storing said measured value in the computer readable memory of the computer server system, and calculating a pledge amount of monetary value by applying said factor of monetary value to the measured value of the selected performance metric and storing the pledge amount of monetary value in the computer readable memory of the computer server system.03-08-2012
20120023014Method and Apparatus for Increasing Charitable Donations By Providing Instantaneous Donor Recognition - Charitable donations are increased by automatically providing immediate on-line recognition of on-line donors. A list of donors is maintained on a Web page acknowledging the on-line contributions. Donor names on the list can be links to additional information about the donation or the donor. Information about donor and donation is entered by the donor, who can specify what information is to be published on the Web and what information is to remain unpublished. The donor list can be arranged in order of donation size, and donors can compete for position on the list. The donor information can indicate membership in a group, and donations can also be totaled by group to encourage donation competition between groups.01-26-2012
20120023013NONPROFIT ORGANIZATION RESIDUAL MERCHANT ACCOUNT CONTRIBUTION SYSTEM AND METHOD - A system and method whereby certain nonprofit entities and/or their business contributors may recover portions of certain fees currently being paid in the normal and regular in their course of doing business. These recovered fees may then be used as essentially automatic contributions to qualified IRS 501(c)(3) organizations, or public charities described in Internal Revenue Code Section 509, or agencies which operate for the public good (e.g., disaster relief, homeless shelters, support groups such as booster clubs, etc.) (such eleemosynary organizations all being referred to herein generally just as non-profit entities). This system and method is termed “Non-profit Organization Residual Merchant Account Contribution” (NORMAC).01-26-2012
20120023011PLUG-IN SYSTEM AND METHOD FOR CONSUMER CREDIT ACQUISITION ONLINE - An apparatus, system, and method to provide substantially in real time personalized and/or customized consumer credit from a Credit Provider into substantially any shopping basket or facility on the Internet or on a mobile network. In one embodiment, a consumer credit plug-in is provided to facilitate consumer credit provision to a consumer at a destination Website, including a credit service system including a memory having stored thereon consumer credit provision related instructions and consumer credit related data, and a processor to execute credit provision requests or instructions; wherein the consumer credit plug-in includes a file with instructions to execute commands to enable said remote credit service system to provide credit product provision to consumers, substantially in real time.01-26-2012
20120023010SYSTEM AND METHOD FOR ENCOURAGING DEPOSIT ACCOUNT BALANCE STABILITY - Systems and methods are provided for encouraging for deposit account stability. The systems and methods may include defining rules relating to a defined account balance incentive band for a given deposit account, monitoring and store balance information in the at least one storage device, determining whether the stored balance information indicates that a balance of the at least one deposit account falls within the account balance incentive band, and determining whether to assess a penalty to a depositor associated with the deposit account based on the determination of whether the balance of the deposit account fell within the account balance incentive band.01-26-2012
20120023009SYSTEMS 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
20120059760Systems and methods for transaction and information management - Systems or methods for managing transactions within a controlled environment facility provide an information management engine integrating transaction functionality and telephone calling functionality, establish an account associated with a resident of the controlled environment facility, and use the information management engine to conduct transactions associated with residents of the controlled environment facility. The transactions include at least requests, by the resident, for deposits into the account by a party outside of the controlled environment facility. The systems or methods accept requests from the resident and utilize the telephone calling services of the information management engine to facilitate the request for deposit. The systems or methods may place calls to the individuals outside the controlled environment facility to interact with the individual, request the deposit and accept such deposits.03-08-2012
20110093386TRANSACTION SYSTEM AND METHOD - Described is an automated transaction processing system and method, including at least one bank account record and associations between the record and at least a first account identifier and a second account identifier for the account, the system and method comprising a transaction processor, to process received transaction requests identifying the account on the basis of first criteria, if the transaction request identifies the account using the first identifier, or second, different criteria, if the transaction request identifies the account using the second identifier. The system and method can provide increased security in financial transactions by employing different criteria according to whether or not transactions are permitted, based on the form of the account identifier.04-21-2011
20110093385Customer Identification of Transactions and Financial Transaction Record Matching - Financial institutions often process transactions on behalf of customers. The processing of these transactions may include the specification of a customer-specific identifier so that a customer receiving a record of the transaction is able to identify the transaction. For example, the customer-specific identifier may include a store number to help the customer identify a store from which the transaction originated. If the customer-specific identifier is not entered by the financial institution, a transaction case builder system may prompt a user for the identifier before the system will enter the transaction case data into a transaction processing system. The system may also transmit a pre-notification message to the customer alerting the customer to the transaction that is being processed. Furthermore, transaction processing may include matching transaction records and transaction advices regardless of whether the record and matching advice are received on the same day.04-21-2011
20120059758Protecting Express Enrollment Using a Challenge - Embodiments of the invention relate to security features to prevent one from trying to enter multiple different payment card number combinations into a payment request form for an online transaction in an effort to probe for the accurate payment information.03-08-2012
20120158580System, Method and Apparatus for Mobile Payments Enablement and Order Fulfillment - A system, method and apparatus are provided for enabling mobile payments for purchases from selected merchants via a client device. A client application installed on a client device can make payments and submit shipment information when making purchases. The client application securely stores user-related payment information locally on the client device, where such information only needs to be entered once upon initialization of the client application. The client application facilitates payment transactions by forwarding user-related payment information for purchases to a payment server when authorized by a user. When making a purchase, a user can enter an identification code into the client application that identifies a product or service, where the identification code and user-related payment information are forwarded to the payment server. The payment server uses the code to retrieve details about the purchase and performs operations to complete the purchase using the received user payment-related information.06-21-2012
20120209764METHOD AND SYSTEM FOR INTEGRATING SAVINGS AND CREDITS WITH DIFFERENT INTEREST RATES - A method and system for operating a new financial instrument and payment card integrates savings and credit transactions belonging to the same payment plan into a single account. Transactions can be carried out at different periods in time, for any amount, agreed on with different fixed or adjustable interest rates, without losing the payment conditions of each savings and credit. A financial account card as a financial instrument can be used to carry out long, medium and short-term savings and credit financial transactions. The card can also be used as a payment card to buy and sell anything of value. The card is operated through financial institutions and service centers by a computer system, which manages transactions between cardholders themselves and with financial institutions, maintains account balances, determines installments for debt and savings balances, manages available credit limits and guarantees, and manages other financial and payment services.08-16-2012
20120209762TRANSACTION PROCESSING SYSTEM AND METHOD - A method of processing a transaction between a first user in a first telecommunications network and a second user in a second telecommunications network is disclosed. The first and second telecommunications networks comprise respective first and second transaction processing systems which are not required to have a direct interface between them. A transaction request is received from a first user in the first telecommunications network to effect a transfer of credit to a second user in the second telecommunications network. The transaction request includes an identifier of the second user. A credit value for the transaction is determined. The system verifies that the first user has access to credit sufficient to effect the transfer, and credit associated with the first user is reserved in the first network for the transaction. A transaction instruction message (including the determined value for the transaction) is generated to instruct transfer of credit to the second user, and is forwarded to a trusted third party intermediary server, which interfaces to a plurality of telecommunications networks to arrange transactions between the telecommunications networks. After a confirmation message is received confirming delivery of the credit to the second user, the reserved credit is then debited from an account associated with the first user in the first telecommunications network. An accounting packet associated with at least one transaction and the accounting packet or an aggregated accounting packet for a plurality of transactions is forwarded to an accounting server associated with the intermediary server. This effects transfer of monetary value between an account associated with the first telecommunications network and an account associated with the trusted third party intermediary server.08-16-2012
20120158579SYSTEM AND METHOD FOR CREATING AND MAINTAINING INVESTOR COMMUNITY NETWORK - A system is disclosed for raising investment funding of an enterprise.06-21-2012
20120158578HIGHLY GRANULAR CLOUD COMPUTING MARKETPLACE - A system and method may provide for defining a usage policy for an available resource of a personal computing system, and transmitting the usage policy to a market broker. The market broker may identify a match between the usage policy and a request from another computing system, and generate a notification of the match. In addition, funds may be transferred from an account associated with the other computing system to an account associated with the personal computing system based on a remote usage of the available resource by the other computing system.06-21-2012
20120072340METHODS AND SYSTEMS FOR ESTABLISHING COMMUNICATIONS WITH MOBILE DEVICES - A method comprises determining, at a first communication terminal, that a second communication terminal is at a selected geo-spatial location relative to the first communication terminal and transmitting from the first communication terminal, a broadcast invitation to the second communication terminal to establish a peer-to-peer communication session. At the second communication terminal, a message is displayed prompting acceptance of the transmitted invitation and, responsive to a manipulation of the second terminal indicative of acceptance of the transmitted invitation, launching an executable session management program at the second communication terminal to thereby establish a communication session during which data may be exchanged between the first and second communication terminals. The step of launching includes downloading the session management program into a memory of the second communication terminal if the session management program is not already stored in memory for execution by a processor of the second communication terminal.03-22-2012
20090138396PRE-PAID PAYMENT INSTRUMENT PROCESSING - Methods, systems, and apparatus, including computer program products, in which a method includes attributing a value to a pre-paid payment instrument, determining an expiration time associated with the pre-paid payment instrument, and automatically return an un-used portion of value associated with the pre-paid payment instrument at the expiration time to the purchaser.05-28-2009
20110066548METHODS AND SYSTEMS FOR EXECUTING A PLURALITY OF MONEY TRANSFERS HAVING A FLUCTUATING PARAMETER - Systems and methods are provided for executing a plurality of money transfers, at least one term of which is dependent on the value of a fluctuating parameter, for example a currency exchange rate or the amount of a transaction service fee. The customer may stage a first money transfer at a money-transfer system and a first value of the fluctuating parameter may be determined by a host processor. The first money transfer may then be executed by the money-transfer system using the first value of the fluctuating parameter and a unique lock-in value identifier may be stored in the host processor's memory that associates the first value of the fluctuating parameter with the customer.03-17-2011
20100198722Biometric Risk Management - The present invention provides methods and systems for managing Risk by associating a biometric profile with other data relevant to a Risk subject. Computerized systems can receive informational data that relates generally to Risk variables and relate the information to known biometric profiles. Compiled information can be situated and conveyed to a compliance department and be able to demonstrate to regulators that a financial institution has met standards relating to Risk containment.08-05-2010
20110106695PAYMENT PROCESSING SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT - Embodiments of the present invention provide a method and computer program product for least cost routing in payment processing. In an embodiment of the invention, a payment processing method can include receiving a transaction profile for a proposed transaction as payment for a purchase by a purchaser from a merchant at a card processing terminal configured to identify a card number for a card. The method further can include computing a cost of processing the proposed transaction for each of multiple different payment processors based upon the received transaction profile. The method yet further can include selecting one of the different payment processors corresponding to a lowest cost of processing computed for the received transaction profile. Finally, the method can include routing the proposed transaction to the selected one of the different payment processors.05-05-2011
20100094751APPARATUS AND METHODS FOR ENFORCING PURCHASE AGREEMENTS - Systems, apparatus, articles of manufacture and methods are provided for establishing (e.g., online) a buyer price for a first plurality of products. In one embodiment, the buyer price is lower than a retail price of the first plurality of products. A second plurality of products that the buyer has actually received during the subsequent transaction is determined. A penalty may be assessed if the first plurality of products does not correspond to the second plurality of products.04-15-2010
20120233064SYSTEM AND METHOD FOR SELECTABLE FUNDING OF ELECTRONIC TRANSACTIONS - A system for transferring funds to pay bills and to and from selected accounts on an optimized is provided. A mediation engine may manage the payments made to selected payees, including by scheduling the payments and selecting sources for funds. A rules-based optimizer may automatically select the least-cost or other most efficient or desirable transaction, given the customer's available funds, types of funds and payment date. All payment providers and payees may manipulated using one seamless view. A customer service representative may also view the transfers.09-13-2012
20120084200SYSTEMS AND METHODS FOR COMPLETING A FINANCIAL TRANSACTION - One example embodiment includes a method for increasing payment security during a financial transaction. The method includes identifying the buyer, where identifying the buyer includes confirming the buyer's identity, and issuing a one-time payment code to the buyer. The method also includes receiving the one-time payment code from a seller and authorizing payment to the seller.04-05-2012
20120084198Method and System for ACH Debit Delayed Availability - A server includes a memory that stores a plurality of availability schedules, and a processor communicatively coupled to the memory. The processor is operable to access an automated clearing house (ACH) debit transaction received at an originating depository financial institution (ODFI) from an originator, determine an availability schedule associated with the originator from the plurality of availability schedules, credit a percentage of the amount of funds of the ACH debit transaction to a delayed settlement account associated with the originator, and transfer a portion of the amount of funds credited to the delayed settlement account to a general operating account of the originator on a particular day determined from the availability schedule. The delayed settlement account has one or more associated rules that prevent the originator from withdrawing funds from the delayed settlement account.04-05-2012
20120317022Digital Watermarking Applications - The disclosure relates generally to methods and systems including, e.g.,: (1) steganographically embedding location information in image or audio content, where the location information is obtained from remote sources like a cell phone network or remote GPS receiver; (2) steganographically embedding participant IDs in content to ensure proper billing and royalty tracking; (3) providing fair-use content management based upon digital watermark-tracked usage; (4) providing micro-payments based upon watermarked objects for retailers; and/or (5) providing watermarked logon cards, such as watermarked hotel room keys, to better provide internet logon access control. Other systems and methods are provided as well.12-13-2012
20120317021METHOD AND SYSTEM FOR FINANCING RESEARCH AND DEVELOPMENT RELATED ACTIVITY BY THE GENERAL PUBLIC - A computer-based method for financing an R&D project, including: storing, in a memory element for a computer, computer readable instructions; and executing, using a processor for the computer, the instructions to transmit, for display: a list of R&D projects and estimated funding requirements; a request for funding of an R&D project from the list; and, an offer to provide a portion, proportional to a monetary contribution for the project, of proceeds generated by the project as funding for another R&D project to be selected by a donor providing the monetary contribution. The method receives: the contribution and a selection of the other project from the list. The method determines the proceeds generated by the project, determines the portion of the proceeds, and directs a transfer of funds equal to the portion of the proceeds as funding for the other R&D project.12-13-2012
20120317020SYSTEM AND METHOD FOR MEASURING AND UTILIZING POOLING ANALYTICS - A system and method for quantifying the working capital benefit of pooling a number of separate cash accounts. The average (mean) cash balance of the pooled account is determined to be the sum of the means of each of the individual accounts. Similarly, the standard deviation of the pooled account is determined to be the square root of the sum of the squares of the standard deviations of the individual accounts. Accordingly, the minimum cash level of the pooled account is 2.3 times the square root of the sum of the squares of the standard deviations of the individual accounts. If pooling is to be beneficial, from a working capital perspective, the minimum cash required in the pooled account will be significantly less than the aggregate cash required by the separate companies.12-13-2012
20120317019Card-Present On-Line Transactions - Embodiments of the invention can provide systems and methods for on-line credit card transactions. According to one example embodiment of the invention, a method can be provided. The method can include receiving, from a data manager, credit card information of a user; storing, on a secure element, the credit card information of the user; requesting a transaction with a merchant; receiving, from the merchant, a request for the credit card information; and sending, to the merchant, the credit card information of the user and a card-present indicator.12-13-2012
20120317018SYSTEMS AND METHODS FOR PROTECTING ACCOUNT IDENTIFIERS IN FINANCIAL TRANSACTIONS - In a system for protecting account identifiers in financial transactions, a consumer provides an account identifier to be used for purchasing a good or service from a merchant. However, only a portion of the account identifier is transmitted to the merchant. The remaining portion of the account identifier is transmitted to a server, referred to as a “payment facilitator,” that is not controlled by the merchant. During the financial transaction, the merchant submits a request for financial payment containing a portion of the consumer's account identifier to the payment facilitator. The payment facilitator combines the account identifier portion in the request with the account identifier portion transmitted to it from the consumer in order to determine the consumer's full account identifier. The payment facilitator then submits a request for financial payment to a financial institution for approval.12-13-2012
20120123933SYSTEM AND METHOD FOR CONSUMER CONTROL OVER CARD-BASED TRANSACTIONS - A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary, accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. Multiple transaction cards may be linked to a single credit account with each card having a different credit limit, such that the controls comprise restricting each transaction card to a particular merchant, linking, by the consumer, several credit and/or debit accounts to a single transaction card, and pre-selecting a criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or telephone for making changes and receiving account information.05-17-2012
20120123932ROUTING FOR DIRECT TO ACCOUNT PAYMENTS - Various systems and methods are described for analyzing multiple money transfer routing schemes. Each of these multiple money transfer routing schemes may comprise a route to transmit funds from the source for the money transfer transaction to the destination for the money transfer transaction. An internal money transfer routing scheme may refer to a money transfer routing scheme that utilizes a direct money transfer arrangement between the destination of the money transfer transaction and the money transfer network. An external money transfer routing scheme may refer to a money transfer routing scheme that utilizes at least one third party money transfer network between the destination of the money transfer transaction and the money transfer network. The multiple money transfer routing schemes may be analyzed and the preferable money transfer routing scheme at least partially based on the predefined criterion from among the multiple money transfer routing schemes may be identified.05-17-2012
20120221465CLEARINGHOUSE SYSTEM FOR MONETARY AND NON-MONETARY TRANSFERS OF VALUE - A clearinghouse system facilitates the transfer of value of various forms, including monetary transfers, between parties as well as the monitoring and control of such transfers. The clearinghouse system may include a global framework that defines the operation of regional implementations of the system such that they may interoperate with a global hub of the system. The regional implementations may communicate with value exchange environments and client devices to facilitate, monitor, or control value transfers. A pending payments system is provided as well to effectuate direct transfers of value, including currency, between a consumer and merchant.08-30-2012
20120221463LOCATION-BASED AUTOMATIC PAYMENT SYSTEM - A method for making a location-based automatic payment includes receiving an automatic payment instruction that designates a payee account. The automatic payment instruction is associated with a payer account in a database. A payment location is received and associated with the automatic payment request in the database. A payer device that is associated with the payer account is determined to be in the payment location and, in response, a payment request is sent over a network to make a payment from the payer account to the payee account.08-30-2012
20120130886SYSTEM AND METHOD FOR MONITORING AND TRACKING USER ACTIVITIES - The disclosed embodiments assist a user in monitoring one or more user-selected activities. In addition, a user may share the monitored information with one or more people, such as a particular group of friends (e.g., friends associated with a social networking website) or by e-mailing or text messaging the monitored information to a particular person or persons. In some embodiments, a user may participate in a competition with one or more people (e.g., designated friends or even random people) to either perform or not perform a particular activity. Still, in some embodiments, the disclosed embodiments may automatically receive financial data from a financial service provider and update/display one or more user-selected activities based on the received financial data.05-24-2012
20120130887POINT OF SALE SAVING SYSTEM - An Internet-implemented computerized saving and investment system, that in use is integrated with a business's point of sale system, with which employees, for example employee who are compensated at least in part by tips from customers, may direct that funds be deposited to their credit in a savings/investment vehicle, for example a bank account.05-24-2012
20120166331SYSTEM AND METHOD FOR LINKING EXISTING WI-FI ACCESS POINTS INTO A SINGLE UNIFIED NETWORK - Disclosed is a system and method for providing a distributed wireless network. At least one information processor is coupled to a communication network. Network bandwidth is provided to a first user of at least two end users for a first fee and to a second user of the at least two end users for a second fee. At least two wireless gateway devices are configured to provide wireless access to the communication network within a transmission range and to communicate with the at one least information processor. At least two wireless receiving devices are provided that are operable to receive the respective bandwidth from the wireless gateway devices when in transmission range. Preferably, the first user is authorized to use the second bandwidth and the second user is authorized to use the first bandwidth via the wireless devices. Thus a system and method of sharing bandwidth is provided.06-28-2012
20120130889FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS - An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network.05-24-2012
20120215683Transaction Processing And Backup - A system and method of providing uninterrupted transaction processing in the event of a failure or outage at a data center is provided. In some examples, the system or method may include receiving a request for a transaction. In some arrangements, a primary data center for processing that transaction may be identified. If the primary data center is available to process the transaction, the transaction may be processed and data associated with the processed transaction may be transmitted to one or more alternate or secondary data centers. If the primary data center is not available, the transaction may be routed to a secondary data center and processed at that data center. Data associated with the processed transaction may then be transmitted to the primary data center and any other secondary data centers. Accordingly, accurate, near real-time transaction data may be maintained at multiple data centers to permit transaction processing at multiple data centers.08-23-2012
20120215686METHOD AND SYSTEM FOR ENABLING A USER TO CREATE A DOCUMENT IN A COLLABORATIVE ENVIRONMENT - A method is disclosed for enabling a user to create a document in a collaborative environment, the method comprising including a first user accessing an application for storing a document; the first user drafting a given part of a document which may comprise a plurality of additional parts on an interface displayed to the first user; selecting at least one other user which may add an additional part to the document and transmitting an invitation to the selected at least one other user, the invitation comprising including an object for performing at least one of visualizing a part of the document and adding an additional part to the document. At least one of the visualizing a part of the document and the adding of the additional part of the document may be done for a fee.08-23-2012
20120215685SYSTEM AND METHOD FOR TRANSFERRING A LINE OF CREDIT BALANCE TO A CASH ACCOUNT - The present invention provides an automated system configured to facilitate transfers of cash value from one or more lines of credit to one or more deposit accounts or payment systems. An automated system ensures that requested funds are available in a customer's one or more lines of credit and electronically deposits the requested funds into one or more designated deposit accounts or payment systems. An automated system provides a means for customers to manage lines of credit, setup transfer transactions, define rules governing transfers and view transactional history. The automated system, in network connection with the lending organization's backend systems, may authenticate customer identities and credit accounts as well as insure that the requested funds are available for transfer into a deposit account.08-23-2012
20120215684Usage Payment Collection And Apportionment Platform Apparatuses, Methods And Systems - The USAGE PAYMENT COLLECTION AND APPORTIONMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“UPCAP”) transform content seed selections and recommendations via UPCAP components such as discovery and social influence into events and discovery of other contents for users and revenue for right-holders. In one implementation, the UPCAP may receive from a requestor a payment request for usage of a universally resolvable media content (“URMC”) item and may query a URMC usage database to obtain the URMC item usage metric. In a further implementation, the UPCAP may determine, based on URMC usage payment obligation rules associated with the requestor and the URMC item usage metric, a payment amount owed for usage of the URMC item and may provide the determined payment amount to the requestor.08-23-2012
20120136779DEPOSIT AMOUNT MANAGING DEVICE, SERVICE PROVIDING SYSTEM COMPRISING DEPOSIT AMOUNT MANAGING DEVICE, AND DEPOSIT AMOUNT MANAGING SYSTEM COMPRISING PORTABLE TERMINAL - The present invention manages money received from a general user having no bank account, so that the general user is able to make payment, send remittance, receive lottery prize via a network.05-31-2012
20110184861METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM - A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.07-28-2011
20110184860METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM - A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts.07-28-2011
20110184856SYSTEMS AND METHODS FOR CONTROLLING PAYMENT PROCESSING - A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product.07-28-2011
20110184859Methods and systems for pricing products that enhance productivity - A method for pricing a productivity-enhancing product or method, such as a feed additive, a fertilizer, or the like, that includes consideration of an expected or realized added benefit from the productivity-enhancing product or method to an end user and the price that is expected to be received or has been received by the end user. Programs and systems with which such a pricing method are used are also disclosed.07-28-2011
20110184858SYSTEMS AND METHODS FOR MANAGING ACCOUNTS PAYABLE - A computer-implemented method for generating a first accounts payable financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a core account for providing financial backing for the first accounts payable financial product; receiving a selection of a first recipient payee to which the first accounts payable financial product is to be distributed; generating the first accounts payable financial product based on one or more control parameters that define use restrictions for the first accounts payable financial product; and causing the first accounts payable financial product to be distributed to the first recipient payee.07-28-2011
20110184857SYSTEMS AND METHODS FOR CONTROLLING PAYMENT PROCESSING - A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product.07-28-2011
20110184854MERCHANT RATE LOOKUP - A system and method operate with a commerce processing system to determines a dynamic currency conversion markup rate for a given merchant and card number of a customer. The system and method determine the currency that is offered to the customer for the dynamic currency conversion transaction to support an opt-in process, so that an indication of a selected currency can be passed to a merchant in addition to the converted amount. Rate lookup logic is performed for every dynamic currency conversion transaction, and the data is arranged to be quickly accessed and occupies a minimum amount of memory storage space. Each merchant can elect to use a different rate for their customers based on business arrangements with the commerce processing system, their acquirer, the nature of their business, their competitors, and prevailing local market conditions.07-28-2011
20110184853TALKING TRANSACTIONS - Embodiments of the invention relate to systems, methods, and computer program products for providing audio messages relating to financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a communication device and a processor. In one embodiment, the memory stores information about a financial account including information about a system to use to communicate a message comprising an audio component to a person associated with the financial account, and the processor is configured to receive an indication of a financial transaction affecting the financial account and use the communication device to communicate an audio message containing information relating to the financial transaction to the person associated with the financial account by using the system.07-28-2011
20110184852SECURED ACQUISITION PROCESS VIA CREDIT CARD TERMINAL - The present invention provides a system and method for managing acquisition of goods using a credit card of a client in a way whereby the details of the credit card are not exposed or revealed to the supplier or the seller throughout the acquisition process. This method can bring about new users that are not buying merchandise through the internet due to their fear from credit card frauds. This method can also bring about new users that are not buying merchandise using a credit card in which the details of the credit card are exposed directly or indirectly to a supplier due to their fear from future misuse of their credit card details.07-28-2011
20100174642SOLAR POWERED UTILITY - Systems and methods for providing renewable energy to rural communities employ a solar powered charger and a key configured to activate the solar powered charger, where the solar powered charger is enabled for one or more charge and discharge cycles to provide electrical energy to a device configured to be operated or charged by the solar powered charger.07-08-2010
20100174641Deposit of Coins into a Financial Account - Method, apparatus and system for receiving coins and generating a certificate for depositing the sum of received coins in a banking account. The user may redeem the certificate in an already existing bank account or may enroll into a new banking account and receive immediate access to the funds redeemed.07-08-2010
20100174640Change Orders - Method, apparatus and system for setting up withdrawal change orders online or at a cash handling device for immediately retrieval and/or future retrievals of paper cash and coin. The change order may include specific requested denominations of paper cash and/or coins. The change order may also include a specific location that the user wishes to retrieve the cash at. Upon authentication of the user at the requested cash handling device within the time-frame specified, the user may receive the change order requested automatically.07-08-2010
20120173412Rights Clearance for Granular Rights - A system and method for clearing granular rights is disclosed. The system comprises communication module, a territorial requirements engine, an existing license module and a determination module. The communication module for receives, from a service provider, a description of a service to be provided for an asset in a territory. The territorial requirements engine determines a territorial requirement for providing the service in the territory based at least in part on a territorial rule for the territory. The existing license module determines a missing right based at least in part on the territorial requirement. The determination module determines a preferred licensor for purchasing a license for the missing right in the territory.07-05-2012
20120173411MANAGEMENT METHOD OF ARTICLE - An article management method is provided to minimize exposure of personal information, enable traceback in the event of non ownership and allow management and processing by means of setting up/lifting restrictions on an article and/or a terminal only in case of real ownership, thereby preventing additional accidents and having an autonomous management function. The article management method uses a system including: a server that stores not only an intrinsic article code for an article but also an intrinsic terminal code for an article owner's terminal; and a terminal that connects to the server based on the terminal code. The article management method comprises: an ownership registration step of registering the terminal code to the server as a registration terminal code by matching the terminal code with the article code, upon request from the terminal for registration of the article code; a restriction setup step of setting up restrictions on at least one of the article code and the terminal code when preset conditions for the restriction setup are met; a restriction lifting step of lifting the restrictions on at least one of the article code and the terminal code when preset conditions for the restriction lifting are met; and a management and processing step of enabling management and processing depending on whether the restriction is set up for at least one of the article code and the terminal code when preset management and processing are performed for at least one of the article code and the terminal code, upon request from the terminal for management and processing.07-05-2012
20120173408Donor Locking Rail - A system and/or method for recognizing a theatre donation by placing a notice on a locking rail sub-system in a theatre. This system and/or method is believed to be rather counterintuitive because the locking rail is generally a low visibility part of the theatre, where the general public does not traditionally go. Despite this low visibility, the present invention is believed to foster a surprisingly large amount of goodwill, the relatively low visibility of the locking rail assembly notwithstanding. Also, because the locking rail is such a critical piece of equipment for safety purposes, the present invention recognizes that the good associations with donors and/or donations will tend to be subtly and psychologically enhanced by the fact that the donation related information is placed on the locking rail assembly. Also disclosed is a video display (for example, an LCD video display) that is mechanically connected to the rail of a locking rail assembly, and is used to convey information relating to the locking rail assembly.07-05-2012
20120173409REAL-TIME GLOBAL FUND TRANSFERS - Embodiments for real-time global bank funds transfers include a new payment system for real-time global bank funds transfer. A funds transfer network and method allow global real-time fund transfers among banks. The new funds transfer service is much faster than Society for Worldwide Interbank Financial Telecommunication network (SWIFTNet) and much cheaper than real-time gross settlement systems (RTGS). In one or more embodiments, a Financial Service Provider (FSP) has accounts or agreements with Bank A and Bank B, for example. A first user with an account at Bank A requests a fund transfer to a second user at Bank B. The request goes through the FSP, which can confirm the first user. If confirmed, the FSP sends funds to Bank B instantaneously, so that the second user receives the money right away. The first user does not “see” the FSP at all, but instead makes the payment through his own bank (e.g., Bank A) to another bank (e.g., Bank A). The FSP then waits the standard 3-5 days for money from Bank A (e.g., settlement of transaction).07-05-2012
20120173416SYSTEM AND METHOD FOR MAKING A SYNTHETIC CASH ADVANCE USING A PURCHASE PAYMENT EXCHANGE - System and method provide for making a synthetic cash advance to a credit cardholder via a purchase-payment exchange. A second person selects an item to be purchased by a cardholder for the second person, and in exchange for the cardholder's credit card purchase, the second person pays the cardholder an amount of money that is less than the amount charged to the cardholder's credit card. Using this invention, the second person receives the selected item (or has a payment made) at a discount, and the cardholder is able to transform a credit card purchase into a synthetic cash advance at the credit card's purchase interest rate. Two or more cardholders may bid in an online auction to complete the second person's financial transaction in exchange for the second person's money. A cardholder who submits a conforming bid, that is willing to accept the least amount of money, may be selected as the auction winner.07-05-2012
20120173414METHOD AND SYSTEM FOR COMPUTER-BASED BIDIRECTIONAL PAY-PER-CLICK BIDDING AND MATCHING BETWEEN TWO COMPLEMENTARY POPULATION GROUPS - Computer-implemented systems and methods that enable matching people and/or entities while creating financial disincentives to prevent people and/or entities from over-marketing themselves to their counterparts. The system is implemented as a computerized pay-per-click matching system between two complementary population groups utilizing predefined generalized criteria and user-generated keywords with associated user-defined bid values.07-05-2012
20120173413PAN CHARGING TO ACCOUNT ESTABLISHED WITH AN MSISDN - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts are stored in the data store, each consumer account having a first phone number as a first consumer account identifier. A communication and routing module receives a charge request, including an amount and a second consumer account identifier. The second consumer account identifier is an individual account identifier forming part of a personal account number. The communication and routing module identifies a selected one of the consumer accounts by associating one of the first phone numbers with the individual account identifier. A transaction processing system processes the charge request based on an account detail of the selected consumer account.07-05-2012
20100299251PAY YOURSELF FIRST WITH REVENUE GENERATION - The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.11-25-2010
20100299249SKU LEVEL CONTROL AND ALERTS - Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder.11-25-2010
20100049652Automated System For Generating Philanthropic Donations Using Credit or Debit Cards - A method for using a credit or debit card for making a donation to a charity, may include the steps of selecting a charity for donations, selecting an amount for the donation based upon a purchase using the credit card, charging the credit card for the donation when the purchases made. The step of selecting of the amount may include selecting a fixed percentage of the purchase price using the credit card, and the step of selecting the amount may include the step of selecting of selecting a one time donation using a credit or debit card, or a fixed amount for certain types of transactions. The fixed percentage may be a fixed percentage of the purchase price, and the amount of donation may be based on the type of purchase with the credit card. The amount of donation may vary based upon the type of purchase with a credit or debit card.02-25-2010
20120226602Online Marketplace for Content Licensing Using Geopositional Data - Systems, methods, and computer program products for facilitating an online marketplace portal that enables content publishers and content creators to integrate geopositional considerations into their process for identifying licensing partners are disclosed. In an embodiment, such online marketplace portal allows users to consider geopositional data associated with content and content pitch proposals. Users may also consider geopositional data associated with other users when vetting and selecting possible licensing partners. Then, users may further use such online marketplace portal to propose and consummate content licensing arrangements with other users.09-06-2012
20120226601SYSTEM AND METHOD OF INDIVIDUAL FINANCING WITH REPAYMENT ENFORCEMENT - A system and method to allow individual financing of a purchase or lease of an apparatus with enhanced repayment is described. The system provides an interface and services for individual financing. Repayment is enhanced through the coupling of a payment protection system with the apparatus. A tamper protection system is also coupled with the apparatus to prevent tampering with the payment protection system.09-06-2012
20130173459GIFT CARD CODE INFORMATION AND DISTRIBUTION SYSTEM AND METHODS - Information sharing enhances the utility and effectiveness of gift-card transactions. A website enables a user to purchase or activate gift cards and compile recipient contact information to establish a gift network of the gift recipients. Information may be entered in relation to the interests or preferences of the gift recipients in the gift network. Product brands, services or merchants may be recommended to the user, and the user may be made aware of events, deals or promotions related to the interests and preferences of potential recipients in the gift network. Gift-related codes may be disseminated, and gift cards distributed, in accordance with numerous disclosed process flows including “social gifting” processes wherein codes are delivered directly or wherein real or virtual greeting cards are activated on-line and/or at point-of-sale (POS) location(s).07-04-2013
20120179600Transfer Station and End to End Process - A system and method for processing ACH transactions is disclosed. In particular embodiments, a method includes receiving one or more files from a client sender, each of the one or more files including a transaction request for one or more ACH transactions. The method also includes storing the one or more files in a memory. The method further includes selecting a file from the received one or more files stored in the memory. The method also includes selecting an ACH processor from a plurality of ACH processors to receive the selected file. The method further includes translating the selected file into a format processable by the selected ACH processor and transmitting the translated file to the selected ACH processor.07-12-2012
20120179602Automated Kiosk Transaction Function and Monitoring System - An automated kiosk system comprises a host server station, at least one automated kiosk, and a communications interface. The host server station receives, stores, and transmits transactional data, monitoring data, and functional data. The at least one automated kiosk facilitates transactions with a consumer and has a user interface, at least one peripheral device, a digital input-output (I/O) board configured to receive the peripheral device(s), and a control system for storing the transactional data, monitoring data, and functional data, and for communicating with the I/O board, the user interface, and the host server station. The communications interface exchanges the transactional data, monitoring data, and functional data between each automated kiosk and the host server station via a network.07-12-2012
20100274712APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR PROVIDING A QUALITY CONTROL MECHANISM FOR THE CONTACTLESS INTERFACE OF A DUAL-INTERFACE CARD - Techniques for enabling performance of a quality control function on the contactless interface while the contactless interface is disabled are provided. The techniques include implementing, on a dual-interface payment device, one or more security mechanisms, wherein the dual-interface payment device comprises a first interface and a second interface, using the one or more security mechanisms to prevent a subset of data corresponding to the first interface from being read using the second interface while allowing data corresponding to the second interface to be read using the first interface, and personalizing the dual-interface payment device and the one or more security mechanisms according to one or more requirements of an issuer of the dual-interface payment device.10-28-2010
20120179603PURCHASER-SPECIFIC CURRENCY CONVERSION - Methods and systems for conducting online payments using a currency other than a base currency of a webpage are described. An indication of a purchaser's currency may be received. A plurality of prices on a webpage in a base currency may be identified. A request for a conversion rate between the base currency of the webpage and the purchaser's currency may be transmitted to a host computer system. The identified plurality of prices on the webpage listed in the base currency may be converted to a plurality of prices in the purchaser's currency using the conversion rate received from the host computer system. Purchase information and an identifier linked to the purchase information may be transmitted to a merchant computer system to conduct the online payment.07-12-2012
20120179601OFFSITE FINANCIAL ACCOUNT ONBOARDING - Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services businesss business electronic system to request financial account setup. The onboarding system establishes account access to a pooled custodial account managed by the money services businesss business based on preliminary identification (ID) data from the customer. With only preliminary ID data, account access limits are assigned which reduces the risk of fraud or criminal activity with the customer's account access. Because account access is established with just the preliminary ID data, the customer may fully obtain account access directly from a mobile device. The money services businesss business provides additional graduated access levels depending on additional ID data provided by the customer. Thus, depending on the type of ID data provided by the customer, the customer's account access will have corresponding access level rights to the custodial account.07-12-2012
20100036768SHARE OF WALLET BENCHMARKING - Signals are received representing transactions made by a customer or domestic unit during a given period from a plurality of financial institutions. The transactions affect one or more accounts of the customer or domestic unit at each of the plurality of financial institutions. Data are stored representing the transactions in a machine readable storage medium. At least one benchmark is computed. The benchmark is in part based on a portion of the data corresponding to one or more of the accounts of the customer or domestic unit at a first one of the plurality of financial institutions and in part based on the data corresponding to all of the one or more accounts of the customer or domestic unit at all of the plurality of financial institutions. Data representing the benchmark are transmitted to the first financial institution.02-11-2010
20100010931Method and System for Reporting Cashflows to Clients - A system and method of providing a client with cashflow monitoring during a transfer of services (e.g. pre-authorized debits and credits) from a first account to a second account, the method comprising the steps of: (i) determining an effective date for the transfer of each service, said effective dates creating a transfer window; (ii) determining cashflows for said first account and said second account during said transfer window; (iii) adjusting effective dates for transfer of each services to avoid cashflow interruptions in said first and said second accounts; and (iv) providing a cashflow analysis to the client that lists all the effective dates for each service transfer and predicted cashflows for said first and said second account during said transfer window.01-14-2010
20120185378System and Method for Adaptive Selection of Bank Card for Payment - A system, that adaptively selects a bank card for payment, performs payment operations between a user and a payee through a payment platform. The payment platform includes a database, a rule engine unit, and a payment processing unit. The database stores information including: account information of a user, information of a plurality of bank cards that are used for payment, card selection rules, and payment records. The rule engine unit selects a bank card for the present payment from the plurality of bank cards based on the information of card selection rules. The payment processing unit receives a payment request from a user client, obtains the bank card for the present payment from the rule engine unit, and transfers a payment amount to the payee using the selected bank card. The present disclosure allows setting up card selection rules in advance. Therefore, in each card selection, subsequent payment operations may be continued without the need for a user to wait until interaction associated with card selection has been established with a user client and a card has been selected by the user. The speed of payment can be improved, and the resources of the network and the payment platform will not be occupied.07-19-2012
20120185381APPARATUS AND METHOD FOR GENERATING CONSUMPTION PATTERNS - In an apparatus and a method for generating mobile consumption patterns, the apparatus includes: an information processing unit and storage unit that processes card use information from a server and stores the card use information including GPS information; an application unit to process the card use information and a sharing unit to share the stored card use information with another user via a network, or a display unit to display augmented reality based on the card use information and GPS information.07-19-2012
20120284176Systems and methods for collaborative online content editing - Various embodiments of the invention provide systems and methods for collaborative online content editing, where collaboratively-created content comprising high definition/quality content is created or modified at an online content editing server according to instructions from an online content editor client, and where a proxy version of the resulting collaboratively-created content is provided to online content editor client to facilitate review or further editing of the collaboratively-created content from the online content editor client. In some embodiments, the online content editing server utilizes proxy content during creation and modification operations on the collaboratively-created content, and replaces such proxy content with corresponding higher definition/quality content, possibly when the collaboratively-created content is published for consumption, or when the user has paid for the higher quality content.11-08-2012
20120226604SYSTEM AND METHOD FOR PROCESSING GIFT CARDS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift card recipients to redeem gift card amounts using existing accounts such as a credit/debit card. A system practicing the method identifies a giver and recipient of a gift card amount and associated accounts. A policy is established which governs how the gift card is redeemed, such as a specific merchant or item. When the recipient makes a purchase using an existing credit/debit card according to the policy, the gift card amount is applied to the transaction. No special codes, separate physical gift cards, or printable coupons are necessary for redemption. The recipient makes purchases using their normal purchasing credit/debit card via a qualifying purchase according to the policy, and the gift card is applied automatically. The recipient credit/debit card becomes a combination of an open-looped card and a closed-loop card. Thus, no money is wasted or lost.09-06-2012
20120226603SYSTEMS AND METHODS FOR TRANSACTIONS AND REWARDS IN A SOCIAL NETWORK - An ecommerce system includes both redeemable and non-redeemable points. Cash can be converted to non-redeemable points. Redeemable can be converted to cash. A transaction may transfer redeemable points from a first user to a second user with points converted from non-redeemable points to redeemable points in limited circumstances. The ecommerce system may be used in a social network environment. Additionally, the ecommerce system may be used with a systems and methods that provide customized multimedia surveys in a social network environment.09-06-2012
20090018955METHOD AND APPARATUS FOR PROVIDING USER ACCESS TO PAYMENT METHODS - The illustrative embodiments described herein provide a computer-implemented method, apparatus, and computer program product for providing user access to payment methods. The process generates a set of recommended payment methods in a set of payment methods to form a recommendation. The set of recommended payment methods are recommended to complete the transaction. The process provides the recommendation to a user on a user interface. The process provides the application for the user to apply for the right to use the recommended payment method on a user interface in response to a determination that a recommended payment method in the recommendation is presently unavailable to the user.01-15-2009
20130018780M-COMMERCE VIRTUAL CASH SYSTEM, METHOD, AND APPARATUS - A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification.01-17-2013
20090018956PERIODIC E-MAIL DELIVERY OF BANK ACCOUNT INFORMATION - A computer-based banking method including the steps of (1) creating an account for a customer into which funds may be deposited and from which funds may be paid upon request to designated payees; (2) allocating funds deposited by the customer to the account; (3) transferring funds upon request from the account to designated payees subject to fund availability, wherein the allocated funds are debited by amount of funds transferred to provide a lowered account balance against which future transfers are evaluated; and (4) automatically sending a periodic e-mail to the fund depositor with information including the lowered account balance. Accounts in which monthly itemized statements are generated that may be accessed by the customer using their home personal computer are also disclosed.01-15-2009
20090018954A MOBILE WIRELESS FINANCIAL INSTRUMENT - The specification and drawing figures describe and show computer implemented financial data apparatus that includes a mobile wireless communications instrument. A data processing system is operatively connected to the mobile wireless communications instrument. A plurality of user programmable sets, of instruction executable by the data processing system is provided. The combination of the mobile wireless communications instrument and plurality of user programmable sets of instruction executable by the data processing system allows a user to conduct selective financial transactions, such as making payments in connection with a plurality of payment instruments across a credit network, and conducting a variety of other financial transactions across any number of networks and databases.01-15-2009
20120259771APPARATUS AND METHOD FOR PROVIDING A TRANSACTION SERVICE - An apparatus and method for performing a transaction service, which includes receiving, by a service server, a transaction ID request for the transaction service with a service provider, from a user terminal, generating a transaction ID in response to the transaction ID request, providing the transaction ID to the user terminal, and receiving a transaction specification that corresponds to the transaction ID, from the service provider. The transaction specification is generated by the service provider using the transaction ID that is provided to the user terminal.10-11-2012
20120259770Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.10-11-2012
20120259769APPARATUS, SYSTEMS, AND METHODS TO FACILITATE THE INTERACTION BETWEEN PARTIES - Devices, systems and methods for facilitating interactions between individuals are disclosed. The exemplary method may include providing member facility information and allowing other members to review the facility information. Members may request a meeting with another member with details of the requested meeting via the system. The request is transmitted to another member and the other member may accept, deny, or modify the request by the other member. Members may have an other members inclusive list or other members exclusive list to assist in facilitating interactions. Ratings may be used to rate other members and interaction facilities to aid in facilitating future interactions.10-11-2012
20120259768SYSTEM AND METHOD FOR PROVIDING PROXY ACCOUNTS - In various example embodiments, a system and method for providing a proxy account is provided. A transaction request initiated through a proxy account is received. The proxy account is a dependent, non-funded subaccount of a master account. A determination of whether a transaction of the transaction request satisfies restrictions and an amount limit established for the proxy account is performed. Based on the transaction satisfying the restrictions and the amount limit, the transaction is processed against a funding instrument of the master account.10-11-2012
20120233065Automatic Electronic Trip Receipt Recording Method for Chauffeured Vehicles - An automatic electronic trip receipt recording method for chauffeured vehicles combines an in-car device and a center server to automatically generate an electronic trip reports or receipts for a passenger. The center server includes a dispatch server for transmitting related dispatch data to in-car device, a communication server for wirelessly communicating with the in-car device, a trip data server for storing trip data, and a trip data inquiry server for the passenger to inquire a specified list of trip reports; the in-car device comprises an in-car device main processor for processing signals from modules, which includes a GPS module, a wireless communication module, a boarding/disembarking detecting module, a tachometer counter module, an external meter reading device and a credit/debit card charging and card ID reading device.09-13-2012
20120233063Method of Real Estate Sale - A method of real estate sale is presented that makes the parties of a typical real estate transaction into employees. The seller, the buyer, and the two realtors typically involved in a real estate transaction are all employees of a company. The relationships between the seller, the buyer, and the two realtors is maintained by a computer or similar device such that upon sale of real estate between the seller and the buyer, the buyer does not just pay the seller, and in the seller owes appropriate real estate commissions to the realtors; but rather, the realtors receive funds—but so do the seller and the buyer.09-13-2012
20120233062Method and process for an electric vehicle charging system to automatically engage the charging apparatus of an electric vehicle - An automated vehicle charging system, that may be done within a service type station, to provide for charging, recharging, or even discharging, of the batteries of an electric vehicle, and generally will include a dispenser, having a cabinet containing all of the instrumentation desired for furnishing the provision of current information relative to the charging of a vehicle, of otherwise, and will include boom means that are highly maneuverable, in order to bring the charging instrument into close proximity of the electrical receptacle of the vehicle being serviced, whether it be at a service type station, or at a curbside type of charging system. Robotics may be used within the structure of these electrical charging systems, to facilitate the charging of any vehicle, by the customer itself, even at a self service type of station.09-13-2012
20080301040SYSTEMS AND METHODS FOR EVALUATING FINANCIAL TRANSACTION RISK - Methods and systems are provided for evaluating the risk of conducting financial transaction such as money transfers through representatives. In one embodiment, information generated by a money transfer system regarding a plurality of financial transactions conducted by one or more representatives are received, records of the information are stored in a transaction database, a risk processor is configured to access the transaction database and retrieve risk element data related to transactions conducted by the representative and an analysis of the risk element data is performed using the risk processor. The risk processor may be configured to process the risk element data into one or more risk element values and to calculate a Transaction Risk Index for the representative by comparing one or more of the risk element values to an appropriate risk proxy.12-04-2008
20080301041Method and system for processing financial transactions using multiple financial accounts - Associating multiple existing financial accounts with a multi-card account. The single multi-card account may allow a cardholder to determine an order for processing a financial transaction among the multiple financial accounts. This ordering may be dependent on the type of financial transaction. Also, the cardholder may allows partial payments from multiple financial accounts, such that a single purchase could be allocated to multiple accounts associated with the multi-card account. These systems and methods minimize the number of cards a cardholder must carry, thus minimizing the chance of losing cards or otherwise having an unauthorized use of an account and also minimizing the chance of an embarrassing rejection of a transaction.12-04-2008
20080301046Methods and systems for making a payment and/or a donation via a network, such as the Internet, using a drag and drop user interface - The invention provides methods and systems that facilitate and expedite electronic transactions between a computer readable medium user (“Payor”), and a merchant or payee (“Payee”), including payment through the Internet. The invention allows the Payor to make a payment to a Payee of an exact desired amount using a drag and drop graphical user interface control, dragging from a graphical element displayed on the Payor terminal and dropping into a Payee's visual display on a website. The invention reduces the complexity and the time of the payment transaction, improving the user overall experience. The invention can be implemented for online commerce, for mobile payments, for small amount online payments, for online donations, or for payments using prepaid accounts. The invention can be implemented by an accounts issuer institution or by a funds and transactions managing entity.12-04-2008
20080301045SYSTEM AND METHOD FOR FACILITATING ENGAGEMENT AND COMMUNICATION BETWEEN A COMPANY AND A RECRUITING FIRM - A system to facilitate engagement and communication between a company with an available position and at least one recruiter includes a server coupled to a computer network, a user interface for co-workers at the company coupled to the server over the computer network and a plurality of co-workers post information to the server about an available position of the company, including a bounty, receive information from the server about candidates for the available position of the company, and select a candidate on the server for the available position, and a user interface for recruiters coupled to the server over the computer network and a plurality of recruiters receive information from the server about an available position of the company and submit information to the server about a candidate for the position of the company.12-04-2008
20080301043System and methods for managing debit card account settings - A method includes receiving, from a remotely located computer, information identifying a durational spending limit corresponding to a debit card used by a bank customer, and causing an authorization request to be declined responsive to the durational spending limit and to an amount spent via the debit card during a time period corresponding to the durational spending limit.12-04-2008
20080301039SYSTEM AND METHOD FOR FAIR-SHARING IN BANDWIDTH SHARING AD-HOC NETWORKS - Systems and methods for fair-sharing in bandwidth sharing ad-hoc networks. A method includes maintaining a borrower account and lender account of a borrower and a lender of an ad hoc network. The method also includes adjusting at least one of the borrower account and the lender account based upon data transfer by the lender for the borrower.12-04-2008
20090070256SYSTEMS AND METHODS FOR PAYMENT - Embodiments include systems and methods including a computer network for making electronic payments between monetary accounts issued by different issuers, comprising a plurality of user issuers, each of the user issuers operable to provide one or more user accounts, a plurality of issued user accounts, each one of the plurality of issued user accounts issued by one of the user issuers, and each one of the plurality of issued user accounts communicatively coupled though a communication channel to the user issuer that issued the given issued user account, and at least one settlement issuer, the settlement issuer communicatively coupled to one or more of the plurality of user issuers.03-12-2009
20120265671Systems and Methods for Validating an Order Purchased With an Unspecified Term - The present invention is directed towards systems and methods for validating an order purchased with an unspecified term. The order may comprise an order for an access ticket or admission ticket or access token, an order for goods or services, or any combination of access, goods, and services. Validation may comprise determining the ticket or token is valid and/or allowing access based on a determined data value for an access term unspecified at the time of purchase; or determining that the order is valid and fulfilling the order based on an identified data value for a term unspecified at the time of purchase. A data value may be set for the unspecified term and a hierarchical tree searched for a leaf corresponding to the set value for the unspecified term and one or more terms specified at time of purchase, the existence of the leaf indicating the order is valid.10-18-2012
20120265674Method and system for facilitating fundraising via a communication network - A funding facilitator hosts a web site that allows an entity seeking funding to create a funding request and either forward the request to preselected individuals, or entities, or make the request publicly available. If a potential funder wishes to contribute, it establishes an account and login credentials with the funding facilitator and authorizes a transfer of funds from its account to a payment processor account associated with a fundee at the funding facilitator. The funding facilitator receives information from the payment processor related to the fundee's transactions, and makes the information available to respective funders that enter their already-established login credentials through the hosted web site. The funding facilitator initiates repayments to funders who are lenders according to a repayment schedule and to proportions that they contributed to the funding amount. The repayment schedule may also reflect interest.10-18-2012
20120265676METHOD AND SYSTEM FOR PAYMENT FUNDING - Embodiments of a method and system for payment funding are provided. A funding specification request is received that defines a plurality of payment sources and a priority for the plurality of payment sources for making payments in a networked system. A determination as to whether a payment allocation is received in the funding specification request that designates an allocation of a portion of an amount of value to be provided by a plurality of users for a transaction conducted through the networked system is made. Based on the determination that the payment allocation is not received in the funding specification request, a default payment allocation to be provided by the plurality of users is identified. A payment for at least the portion of the amount from at least one of the plurality of payment sources based on the priority indicated in the funding specification request is processed.10-18-2012
20110004547MOBILE TRANSACTIONS USING ACCOUNT ALIASES - Embodiments of the invention provide systems and methods for providing a mobile device user with the ability to user their mobile devices to make payments to others without knowing the payment recipient's account number. For example, an embodiment of the includes: (1) receiving a payment request from a mobile phone, such as through a text message, where the payment request includes an alias, and where the alias is not a financial account number; (2) identifying a payment recipient's financial account based at least partially on the alias; and (3) transferring funds to the payment recipient's financial account.01-06-2011
20110004546PAY YOURSELF FIRST WITH REVENUE GENERATION - The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.01-06-2011
20100100476OFFSET OPTIMIZATION SYSTEM - Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.04-22-2010
20120239556LATENCY PAYMENT SETTLEMENT APPARATUSES, METHODS AND SYSTEMS - The LATENCY PAYMENT SETTLEMENT APPARATUSES, METHODS AND SYSTEMS (“LPS”) transforms latency payment request inputs via LPS components into latency payment requests. In one embodiment, a method is disclosed comprising obtaining a latency payment method request and determining a latency payment period associated with the latency payment method request. The method includes determining a consumer item currency amount by applying a currency conversion factor to the merchant item currency amount. The method also determines a latency buffer amount based on the latency payment method request, generates a latency payment request by summing the latency buffer amount to the consumer item currency amount and structuring the summed amounts according to the patency payment period, and provides the latency payment request. In some embodiments LPS may determine the latency payment request according to maximized remittance aspects associated with a consumer specified payment method so as to optimize system wide remittance results.09-20-2012
20120239558METHOD AND SYSTEMS FOR EFFICIENTLY PROCESSING LARGE VOLUMES OF COMPLEX SMALL VALUE FINANCIAL TRANSACTIONS - The present invention provides a means for a system to model the financial terms of a contract. The system receives a contract and the details of a transaction governed by the contract as inputs and outputs a processed transaction. The system models the financial terms of the contract as a function of one or more parameters. Each of the parameters are further reduced to one or more rules, where each rule represents the terms of the contract as a set of conditions and associated actions. The actions are performed by the system when a corresponding condition is satisfied. The system determines the values of the various parameters by analyzing the outcome of the condition-action sets in relation to the given input transaction.09-20-2012
20120239557SYSTEM AND METHOD FOR DETECTING FRAUDULENT ACCOUNT ACCESS AND TRANSFERS - Transfers of money into a recipient account are analyzed for risk of fraud by using a fraud monitoring system to analyze characteristics of the recipient account. The recipient account characteristics are stored in a central database, which has account data (for recipient accounts) contributed from a plurality of financial institutions that maintain such accounts. When a transfer is made or attempted, the stored characteristics of the recipient account are analyzed and a risk score is assigned to the transfer based on the recipient account. If the risk score indicates a suspicious or fraudulent transaction, an alert is provided. In an alternative embodiment, the risk analysis may be supplemented by analysis of transaction data association with the transfer.09-20-2012
20110131133Multiple Account Advanced Payment Card and Method of Routing Card Transactions - A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules.06-02-2011
20110131132SYSTEM AND METHOD FOR MANAGING SUBSCRIBER ACCOUNT - A method and system for managing a subscriber account to a service includes one or more wallets for which predefined rules may be modified to define how an amount of funds is allocated between the wallets to be used for different types of services and products.06-02-2011
20120239559Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is implemented by a system having multiple processors. The payor may hold a payor account at a payor institution and the payee may have a payee account at a payee institution. The method includes generating a payment authorization identifying the payee institution, the payee account, and an amount of the payment and transmitting the payment authorization to the payor institution. The method further includes debiting the payor account by the amount of the payment; transmitting from the payor institution to the payee institution through the EFT network an EFT credit message representing a credit in the amount of the payment; and crediting the payee account in the amount of the payment in response to the receipt of the EFT credit message.09-20-2012
20120239555Process for Controlling Battery Authentication - Improved handling of couplable device recognition tasks in an electronic device such as a cell phone, smart phone, computer system, recording device or others is facilitated. Recognition of a couplable device such as a battery so as to enable exchange of power between the device and the battery or other couplable device functionality is determined by a match between one of a plurality of digital strings stored in the device and the decrypted response to an encrypted challenge derived from the one of stored strings. Control is exercised over the distribution of the encryption elements which enable the improved handling of the tasks.09-20-2012
20120239554System And Method To Eliminate Receiving Coins As Cents Due Less Than One Dollar - A system and method are provided for facilitating a transaction between a customer and a merchant in which a cash change amount between 1¢ and 99¢ is due the customer. According to an aspect of the disclosure, a method includes the steps of receiving information regarding an account associated with a customer, a merchant and a tracking fee amount; charging a tracking fee to an account associated with a customer; and crediting the tracking fee to an account associated with a merchant. Subsequently, an amount given by the sum of the amount of credit purchased and the tracking fee is credited to an account associated with a customer and charged to an account associated with a merchant. Accounts associated with a customer and a merchant are typically maintained electronically, and the charging and crediting are performed by a computing device. The credit purchase amount and tracking fee are equal.09-20-2012
20120265672Waiver Decisioning - A system and method of identifying one or more waivers for waiving a fee associated with an account of a customer at a financial institution. The system and method may include identifying, based one or more criteria of the account, customer, and the like, one or more waivers applicable to the account, customer, and the like. The applicable waivers may be provided for selection. In some examples, a history of all waivers associated with the account or customer may also be provided.10-18-2012
20120265675Proprietary Risk Management Clearinghouse - A computerized risk management method and system for facilitating analysis and quantification of risk associated with a risk subject on a proprietary basis. A proprietary risk management system combines gathered information with information received from a source such as an automated risk management clearinghouse system and maintains a database to relate risk variables and calculate a measurement of risk. The measurement, which can be a risk quotient or other rating based upon a weighted algorithm applied to the risk variables, is indicative of risk associated with the risk subject. Actions commensurate with a risk quotient can be presented to a user to facilitate management of risk associated with a particular entity or transaction or other transaction. A stored history can be created to mitigate adverse effects relating to a problematic transaction.10-18-2012
20120323772Systems and methods for monitoring, managing, and facilitating transactions involving vehicles - A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a vehicle, at least one of the inputs and/or parameters identifying the vehicle or being associated with or established in association with the vehicle; and facilitating or initiating a process of charging an account depending upon the one or more inputs and/or parameters.12-20-2012
20120323771Systems and methods for monitoring, managing, and facilitating transactions involving vehicles - A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a vehicle, at least one of the inputs and/or parameters identifying the vehicle or being associated with or established in association with the vehicle; and facilitating or initiating a process of charging an account depending upon the one or more inputs and/or parameters.12-20-2012
20110047073DIRECT CURRENCY CONVERSION - This invention concerns direct currency conversion, that is automatic currency conversion at point of payment for card transactions. In particular it concerns a method for operating equipment associated with a financial transaction. The method includes the steps of: Presenting a card related to a customer's account. Recording a card number from the card. Applying all or part of the card number to a tree structure, and automatically processing that number by the tree one bit at a time to arrive at an end node of the tree coded with information related to the currency of the customer's card account. Determining the currency of the customer's card account. Comparing the currency of the customer's card account with one or more currencies predetermined for the equipment. Where the comparison indicates different currencies, providing direct currency conversion services. In other aspects it concerns the equipment itself, and a method of preparing a tree structure for use by the equipment.02-24-2011
20110047072Systems and Methods for Propensity Analysis and Validation - In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; and a portal to receive a request from a client device over a network, the request including user data identifying at least one user. The client device has activity data recording activities of the user, and has the capability to determine from the activity data a first value for a first propensity score of the user. The computing apparatus further includes a score evaluator coupled to the data warehouse and the portal to determine a second value for the first propensity score based on transaction data recording payment transactions of the at least one user identified by the user data. The portal is configured to provide information based on the second value in response to the request.02-24-2011
20120330826Virtual accounts linked to financial accounts - Virtual accounts having alphanumeric identifiers different from an alphanumeric identifier of a financial account are linked to the financial account. Financial transactions performed in relation to the virtual accounts result in changing the current value of the financial account. The virtual accounts themselves do not have a current value apart from a current value of the financial account to which the virtual accounts are linked. Performance of the financial transactions in relation to the virtual accounts does not expose the alphanumeric identifier of the financial account that would otherwise be exposed if the financial transactions were performed in relation to the financial account. A given financial account is also linked to another financial account. Performance of a financial transaction in relation to this given virtual account thus results in changing the current value of one of the financial accounts to which it is linked.12-27-2012
20120330827METHOD AND SYSTEM TO ACCEPT AND SETTLE TRANSACTION PAYMENTS FOR AN UNBANKED CONSUMER - A system and method is provided to accept and settle transaction payments for a consumer. The consumer initiates a transaction with a merchant, and the merchant transmits transaction information to a central processing unit using an initiating processing unit. The central processing unit generates a unique transaction identifier. The system may provide the merchant and consumer the nearest payment processing unit. At the payment processing unit, the consumer presents the unique transaction identifier, which is transmitted to the central processing unit for validation. The consumer makes payment at the payment processing unit, and the payment information is transmitted to the central processing unit. The system remits the payment to the merchant.12-27-2012
20120271762METHOD AND SYSTEM TO FACILITATE A TRANSFER OF FUNDS BETWEEN PARTIES USING A TELEPHONE-ENABLED DEVICE - A method and system utilized to receive a registration request to register a mobile telephone with a financial payment system and contact information that identifies the mobile telephone. The system generates a confirmation code responsive to receiving the contact information and communicates the confirmation code to the mobile telephone. The system further receives from the mobile telephone a request to confirm the registration, the request to confirm registration including the confirmation code; and configures the first financial account at the financial payment system to receive instructions from the mobile telephone to transfer funds on the financial payment system.10-25-2012
20120271760Methods and Systems for Inter-Currency Transfers - Exemplary embodiments describe systems and methods which provide for currency or inter-currency transfers. An intermediate broker operates between service providers to enable the transfer to be separated into two local e-money transactions from point of view of the service providers. E-money flows and real money flows are disassociated to enable, for example, beneficiary parties to receive their funds in real time (or near real time) and to enable the intermediate broker to aggregate real money flows during periodic rebalancing processes among its local accounts.10-25-2012
20120323769Systems and methods for monitoring and managing transportation infrastructure and locations of vehicles therein - A method for monitoring and managing transportation infrastructure and locations of vehicles therein includes: receiving signals transmitted from a vehicle equipped with a transmitter that generates the signals, the signals including information relating to one or more of the vehicle, an owner, a driver, a custodian, or a passenger of the vehicle, a person, an animal, or an object within, secured to, or transported by the vehicle, and a person, an entity, an object, a status, a condition, an event, an indication, or an interrupt associated with the vehicle; and processing the signals and/or the information to identify in association with the vehicle a circumstance that satisfies criteria for facilitating, controlling, or initiating an action or a process involving one or more of providing information, providing a notification, transferring funds, and issuing a ticket, a citation, a warning, or other communication.12-20-2012
20120271761INTER-NETWORK FINANCIAL SERVICE - Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.10-25-2012
20120271759Online Membership Incentive System & Method - An incentive system for members of an online community to contribute quality content based on members voting for content with a virtual token system. Acquisition of virtual tokens by contributing members of the online community is used by the online community computer system to calculate and distribute shares of online community revenue to contributing members. A method to prevent revenue sharing fraud by community members may also be implemented.10-25-2012
20120323766METHOD FOR RECYCLING SCRAP - The present disclosure describes a method for the recycling of scrap that includes using a computer device with internet access to input data to a website of a recycling center. The input to the website includes data on the scrap, an originator of the scrap, container for the scrap and location of the scrap. The website limits the recycling of scrap to select types of scrap. The website uses the input data to calculate a potential value of the scrap. If the potential value of the scrap is acceptable, the website directs a commercial carrier to prepare a shipping label. The shipping label can be printed by the originator, attached to the scrap packaged in the container and transported by the commercial carrier from the location of the scrap to the location of the recycling center. The recycling center performs an actual valuation of the scrap upon receipt of the scrap and performs calculations as to the actual value of the scrap relative to the shipping costs to determine the payment to the originator and benefit to the recycling center.12-20-2012
20120323762System and Method of Multi-Factor Balance Inquiry and Electronic Funds Transfer - A system and method of processing balance inquiries and electronic funds transfers (EFTs) using multi-factor authentication. The method may include receiving an identifier of a financial account and contact information associated with the financial account and initiating a communication via the contact information. Upon receiving an authentication via the communication, the method may include processing a balance inquiry and/or EFT of the financial account based on the identifier and the authentication. The method may include determining a balance of the financial account based on the balance inquiry and/or causing funds to be electronically transferred. The system and method may also facilitate a balance inquiry from a mobile device to an EFT provider.12-20-2012
20120323764FACILITATION OF PAYMENTS BETWEEN COUNTERPARTIES BY A CENTRAL COUNTERPARTY - A system for moving money between accounts of traders by a central counterparty to facilitate payments, i.e. the movement of funds, there between is disclosed which provides a flexible mechanism which supports simpler accounting, new types of derivatives contracts as well new types fees. The disclosed futures contract, referred to as a “payer” contract, comprises a “no-uncertainty” futures contract, i.e. the initial value and settlement value parameters are defined, that leverages the mechanisms of the clearing system to, for example, accommodate related payments. Accordingly, a 1-to-many relationship between contracts and prices is provided whereby each price component may be assigned its own payer contract. The function of the payer contract may be to guarantee the movement of money from related positions. In one embodiment, payer contracts are dynamically created whenever a payment is needed.12-20-2012
20120323767Systems and methods for monitoring, managing, and facilitating transactions involving vehicles - A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a vehicle, at least one of the inputs and/or parameters identifying the vehicle or being associated with or established in association with the vehicle; and facilitating or initiating a process of charging an account depending upon the one or more inputs and/or parameters.12-20-2012
20120323763Systems and methods for monitoring and managing transportation infrastructure and locations of vehicles therein - A method for monitoring and managing transportation infrastructure and locations of vehicles therein includes: receiving signals transmitted from a vehicle equipped with a transmitter that generates the signals, the signals including information relating to one or more of the vehicle, an owner, a driver, a custodian, or a passenger of the vehicle, a person, an animal, or an object within, secured to, or transported by the vehicle, and a person, an entity, an object, a status, a condition, an event, an indication, or an interrupt associated with the vehicle; and processing the signals and/or the information to identify in association with the vehicle a circumstance that satisfies criteria for facilitating, controlling, or initiating an action or a process involving one or more of providing information, providing a notification, transferring funds, and issuing a ticket, a citation, a warning, or other communication.12-20-2012
20120323773BIOMETRIC RISK MANAGEMENT - The present invention provides methods and systems for managing Risk by associating a biometric profile with other data relevant to a Risk subject. Computerized systems can receive informational data that relates generally to Risk variables and relate the information to known biometric profiles. Compiled information can be situated and conveyed to a compliance department and be able to demonstrate to regulators that a financial institution has met standards relating to Risk containment.12-20-2012
20120323770Systems and methods for monitoring and managing transportation infrastructure and locations of vehicles therein - A method for monitoring and managing transportation infrastructure and locations of vehicles therein includes: receiving signals transmitted from a vehicle equipped with a transmitter that generates the signals, the signals including information relating to one or more of the vehicle, an owner, a driver, a custodian, or a passenger of the vehicle, a person, an animal, or an object within, secured to, or transported by the vehicle, and a person, an entity, an object, a status, a condition, an event, an indication, or an interrupt associated with the vehicle; and processing the signals and/or the information to identify in association with the vehicle a circumstance that satisfies criteria for facilitating, controlling, or initiating an action or a process involving one or more of providing information, providing a notification, transferring funds, and issuing a ticket, a citation, a warning, or other communication.12-20-2012
20120323768SMS BENEFICIARY ADVISING - Apparatus and methods for communicating a notification of a status of a payment are provided. The payment may be an electronic payment. The apparatus and methods may involve receiving an electronic request from a payor to transmit a payment to a payee. The status of a payment may include steps that have been completed, have not been completed, and/or are currently in progress in a process of fulfilling the payor's request. Status may include an estimate of time remaining until the fulfillment process is completed. The electronic request may include a notification preference. A notification preference may include a destination for receiving the notification. A method of communicating a notification may include any suitable paper or electronic communication method. The notification may be automatically stored in a database for future reference.12-20-2012
20110231308Notification and Response System with Financial Tracking Features - A notification and response system utilizing a processor with dynamic information database and an administrator interface to transmit a financial messages from an administrator to a contact devices for guardians, and others associated with persons in an institution. The database has guardian, employee, and other person contact data, priority information, and response data. The administrator initiates distribution of the financial message based upon priority information and the priority order. The message is transmitted through at least two industry standard protocols simultaneously to guardians, employee, and other persons listed contact devices based upon priority information. Once the financial message is received a response is transmitted back through the two industry standard protocols back to the dynamic information database to insure the financial account is fully funded.09-22-2011
20110231307SYSTEM FACILITATING TRI-PARTY REPURCHASE AGREEMENT TRANSACTIONS - In accordance with at least one embodiment, a system configured to provide a collateral management service for tri-party hybrid repo transactions includes hardware and/or software for receiving, at a repo service provider, instructions specifying a tri-party hybrid repo transaction as well as a payable date for the tri-party hybrid repo transaction; hardware and/or software for transferring collateral that is the subject of the tri-party hybrid repo transaction on or prior to the payable date to a buyer/investor for the tri-party hybrid repo transaction in the buyer/investor's Securities Account at the Federal Reserve Bank via the Fedwire Securities Service and free of payment or versus payment; and hardware and/or software for returning collateral on or prior to the payable date to the broker/dealer/seller for the tri-party hybrid repo transaction via the repo service provider versus payment via the Fedwire Securities Service.09-22-2011
20110238567SYSTEM AND METHOD FOR INSTALLMENT PAYMENT TRANSACTIONS - Techniques are provided for a method of installment payment transactions associated with a credit card account. An installment service having one or more servers receives a credit card transaction. An installment payment amount for the transaction is calculated. Based on the calculated payment amount, an installment payment offer is presented to a confirmation device.09-29-2011
20120278228METHOD AND APPARATUS FOR ACCURATE AND SECURE PRODUCT DISPENSING - A system and apparatus for accurate and secure dispensing of products using an automated dispensing machine, and transmission, processing and analysis of data concerning items dispensed. In one embodiment the system provides the possibility of combined pharmaceutical supply chain management and medication treatment compliance management and may be applied to controlled dispensing of medications, enabling incentives to encourage higher compliance, recording and processing of patient and health care data. The system allows for automatic replenishment of medications to the RFID equipped medication storage enclosure at the healthcare site. It also allows for complete logging of data relating to which patient has received the correct dosage at what time, by whom this medication was administered, and correlation with other possible RFID tagged documents.11-01-2012
20110270746ELECTRONIC MONEY PAYMENT SYSTEM AND ELECTRONIC MONEY PAYMENT METHOD - The present disclosure relates to electronic money payment system and method which allows payment to be processed not only with a payment amount according to the currency of a user's electronic money but also with a payment amount according to any currency advantageous for payment among various payment amounts according to various types of currencies which are different from that of the user's electronic money, in consideration of the exchange rates.11-03-2011
20120089507DEVICE, SYSTEM AND TRANSACTION METHOD FOR INTEGRATING PAYMENT FUNCTION AND RECEIPT FUNCTION - A device integrated with payment function and collection function, includes a smart memory card and an intelligent terminal. The intelligent terminal is adapted to generate a secure transaction management instruction, send the secure transaction management instruction to the smart memory card and notify an execution result of the secure transaction management instruction; to interact with a bank side system via a remote communication network; to interact with user via a user interface; to interact with another device in near field communication mode; to process transaction instruction, generate a secure transaction application instruction and send the secure transaction application instruction to the smart memory card; and to notify an execution result of the secure transaction application instruction. The smart memory card is adapted to execute the safe transaction management instruction and the safe transaction application instruction.04-12-2012
20110276477METHOD AND APPARATUS FOR MANAGING OWNERSHIP OF VIRTUAL PROPERTY - A method and apparatus for managing ownership of virtual property accessible to users is provided by a computer-implemented system connected to a network. This method and apparatus further comprises maintaining an inventory of virtual properties, managing ownership of virtual properties, and allowing use of virtual properties by corresponding property owners within corresponding network spaces. In particular, virtual properties are purchased from a system by user computers, wherein virtual properties may be accessed by a user and/or sold or traded to other users which may include auction websites11-10-2011
20110276476SYSTEM FOR SENDING ELECTRONIC MONEY AND METHOD FOR SENDING ELECTRONIC MONEY - A system for remitting electronic money and a method for remitting electronic money, by which subscriber identification information of each user can be used as a virtual electronic money account and electronic money can be conveniently exchanged/remitted between different countries by using the subscriber identification information.11-10-2011
20110276475PAYMENT TRANSACTION DISPUTE RESOLUTION SYSTEM - A system, apparatus, and method for resolving disputes arising from payment transactions. Such disputes may relate to the non-performance of an obligation agreed to by a party to a transaction, or the dispute may involve an allegation that a payment transaction was fraudulent, with a chargeback being requested. The invention may be used to resolve disputes arising from payment transactions that are processed by more than one payment processor, such as for a first payment transaction that was processed by a first payment processor and a second payment transaction that was processed by a second and different payment processor.11-10-2011
20110276474Method for Facilitating Payment of a Computerized Transaction - A method for facilitating the transfer of a payment for a computerized transaction between a buyer and a seller for the purchase of an item using a computer network, such as the Internet. The method includes the steps of communicating, from a seller's computing station to an agent computing system, data regarding the transaction between the buyer and the seller, wherein the data identifies the buyer, the seller, and the amount of the transaction. The agent computing system communicates transaction information displayable to the buyer, such as a confirmation number created by the agent computing system for identifying the transaction, an order number corresponding to a merchant order number provided by the merchant for identifying the transaction, an exchange rate between a first local currency usable to the buyer and a second currency usable by the seller, and a total price of the transaction expressed in the first local currency usable by the buyer. Receiving an actual payment from the buyer at a plurality of agent locations is provided for, the agent locations being in communication with the agent computing system. Upon receiving the actual payment from the buyer at one of the agent locations, a message is communicated to the seller that the actual payment for the transaction was received at the agent location, thereby permitting the seller to begin shipment of the item to the buyer. Funds are transferred to the seller preferably paid in the second currency usable by the seller.11-10-2011
20110276472Closure for A Compartment - The invention provides a closures (11-10-2011
20120330824CASH RETRIEVAL USING PAYMENT PROVIDER - A payment provider receives a request from a sender to send cash to a recipient, where the request includes an identifier, such as a phone number, of the recipient and an amount to send. If the request can be approved, the payment provider generates a one-time code associated with the request and transmits the code to the recipient. The recipient is then able to enter, present, or otherwise communicate the code to a cash dispenser (such as an ATM, kiosk, clerk or teller), which then communicates the code and other needed information to the payment provider. If approved, the cash dispenser can give the cash to the recipient. Both sender and recipient are not required to have accounts with the payment provider or a bank.12-27-2012
20120330822SYSTEM AND METHOD FOR SOCIAL RECRUITING - A system for social recruiting including an employment system server including a user database, where the user database includes a recruiter profile and a job seeker profile, and a recruiter network for the recruiter profile includes the recruiter profile associated with the job seeker profile.12-27-2012
20120095911TRANSACTION SYSTEM AND METHOD - A transaction method and system comprising receiving a request to change a transaction channel or mode of an account having a plurality of transaction channels/modes from a first state to a second state; and changing the state of the transaction channel/mode to the second state in response to the received request is disclosed. The invention further discloses transaction facilitator for facilitating transactions in relation to an account having a plurality of transaction channels or modes, and operable to receive via the communication network a request from an owner of the account to change the state of a transaction channel/mode of the plurality of transaction channels/modes from a first state to a second state; wherein, upon receipt of the request the transaction facilitator is operable to change the state of the transaction channel to the second state.04-19-2012
20120095910DIGITAL DOWNLOADING JUKEBOX SYSTEM WITH CENTRAL AND LOCAL MUSIC SERVERS - A digital downloading jukebox system including a central server and a plurality of remote jukebox devices each provided with a local server that preferably mirrors the central server and enables selected songs to be immediately downloaded to the jukebox for reproduction. The local server and jukebox may also provide, through control of the central server, song download services to other jukebox devices. The jukebox system may also act as a monitoring/management device for other coin operated equipment present in a location where the jukebox is located, thereby enabling the jukebox device to perform updates on other equipment under control of the central server.04-19-2012
20120095909ELECTRONIC PAYMENT SYSTEM UTILIZING INTERMEDIARY ACCOUNT - Payments in cash are submitted to a merchant at a point of sale. The payment transaction is effected electronically to credit the end user's intermediary account. Subsequent electronic communications between the intermediary account and a vendor site effect payment to the vendor for goods or services on behalf of the end user. This system leverages the existing credit card payment system in reverse so as to provide the convenience of submitting cash payments at a multitude of merchant locations.04-19-2012
20120095908Distributed Computing for Engaging Software Services - A method and apparatus for engaging, on behalf of a client computing device, one or more remote computing devices to perform a client directed task for a fee. The method comprising the steps of: receiving, from a client computing device, data indicative of a task to be performed; reviewing capabilities of the remote computing devices; selecting one or more suitable remote computing devices for performing at least a first subtask; negotiating, and reaching agreement, with selected remote computing devices on terms for performing the first subtask; verifying receipt of payment from a client, being associated with the client computing device; dispatching the first subtask; receiving a first result, from respective remote computing device; and providing payment to a remote provider, being associated with the remote computer device.04-19-2012
20120095907Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system - A method of conducting a financial transaction includes a first party's financial account information being entered once, e.g, with a single initial entry to the payment service. For future uses of the first party's financial account to transfer funds using the payment service to a second party, the first party's financial account information need not be entered again with the payment service. The second party's personal identifying information is entered. Funds are transferred from the first party's financial account to an account of the second party with the use of the payment service.04-19-2012
20120095906Methods for transferring funds using a payment service where financial account information is only entered once with a payment service and need not be re-entered for future transfers - A method of transferring funds to and/or from a first party's financial account is provided. A first party's financial account information is entered with a single initial entry to the payment service. Funds are transferred to and/or from the first party's financial account using the payment service. The first party is registered with the payment service, or becomes registered prior to transferring funds to and/or from the financial account using the payment service. For future uses of the first party's financial account to transfer funds to and/or from the first party's financial account, the first party's financial account information need not be entered again with the payment service.04-19-2012
20120095905PAYMENT GATEWAY FOR PROCESSING PAYMENT REQUESTS ASSOCIATED WITH A WIRELESS USERS ACCOUNT - A Payment Gateway interfaces, in one embodiment, with a merchant's website or a payment aggregator used by the merchant's website, for facilitating purchases made at the website by a wireless user. In one embodiment, purchases at the website are paid for by charging the wireless user's prepaid account maintained in the mobile operator. The Payment Gateway accepts messages in an HTTP based message from the website or payment aggregator and provides a gateway function to the wireless user's service provider, which is accessible only using SS7 based MAP protocols. The mobile gateway ascertains the proper message syntax to use in a MAP based USSD message based on the wireless carrier. The mobile gateway also receives messages from the mobile operator, typically using a GSM MAP based protocol and initiates HTTP based messages back to the merchant's website.04-19-2012
20120095904COMPUTER SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR MANAGING A FINANCIAL PRODUCT - For managing a financial product linked to an insurance event, the product provider (04-19-2012
20120290471Payment Network with Multiple Vendor Participation Levels - A system makes payments from a community of payers to a community of vendors, assesses a transaction fee to the vendor on each payment, and provides a level of service to each vendor based on aggregate transaction fees. The system determines a transaction fee for each payment by looking up a fee rate applicable to payments from the payer to the vendor and multiplying the payment amount by the fee rate. Each vendor is assigned to a service tier based on aggregate transaction fees charged over a period of time. If the aggregate transaction fee is lower than a threshold, the vendor is assigned to tier one. If the aggregate transaction fee is greater then the threshold and less than a second threshold, the vendor is assigned to tier two. If the aggregate transaction fee is greater than the second threshold, the vendor is assigned to tier three.11-15-2012
20120290470PAYMENT SYSTEMS AND METHODS FOR PROVIDING WIRELESS POWER TRANSFER - Payment systems and methods for providing a wireless power charge are disclosed. In one exemplary implementation, a system includes a wireless charger that is used to provide a power charge to a wirelessly chargeable device. Prior to providing the power charge to the wirelessly chargeable device, the wireless charger obtains payment-related information from the wirelessly chargeable device using near field communications (NFC), and transmits this payment-related information to a payment center via a network such as the Internet. The payment center uses the information to either deny or authorize the power charge operation. If authorized, an authorization indication is provided to the wireless charger via the network, and the wireless charger then wirelessly transmits a suitable power charge to the wirelessly chargeable device.11-15-2012
20120290468Method and apparatus for secure payment using a network-connectable device - An apparatus and method for completing a payment transaction using a network-connectable device is disclosed. When a payer initiates a payment transaction to a vendor using the network connectable device, a unique identifier and current geolocation of the network-connectable device are sent to a payment server together with a server payment transaction message containing information about the payment transaction. The payment server compares the geolocation with the vendor location and one or more predetermined locations associated with the payer, for example, a home or workplace. Upon a successful comparison, the payment retrieves a third party payment record from a mapping database and uses it to complete the payment transaction with a third party payment processing system.11-15-2012
20110320348COMMUNITY GIFT SYSTEM, INFORMATION PROCESSING METHOD, AND INFORMATION PROCESSING PROGRAM - An organizer freely designates a purpose, forms a community, very easily and efficiently collects money from participants, and gives a gift. To accomplish this, a community gift system that, when giving a gift to a specified recipient, allows an organizer and participants to form a community and collect money in the community as a cost of gift giving, includes a generator that generates a community database including name data of the organizer and data of the recipient in response to access via a network from the organizer who plans the gift giving, and a storage unit that accepts payment of money via the network from a participant who has approved of the gift giving, and stores data of the paid money in the community database so that the money can be used as the cost of the gift giving.12-29-2011
20110320347Mobile Networked Payment System - A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner.12-29-2011
20110320345SMART WALLET - A user's smart phone is used for payments and holding information, similar to what is contained in a physical wallet. Depending on transaction details, user preferences, and location, one or more “best” funding instruments for the transaction are selected for the user, who may then revise if desired. Access to different functions or information within the phone may vary and require different authentication/security levels depending on type of use (e.g., payment or non-payment) and details of use (e.g., high payment amount vs. low payment amount, use of sensitive information vs. non-sensitive information).12-29-2011
20110320344EVOLVING PAYMENT DEVICE - A computer apparatus is provided that comprises processor and a computer-readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method that comprises receiving a first indication at a computer apparatus that an evolving token has been used in a first transaction. Use of the evolving token in the first transaction provides a first benefit. The method further comprises that in a subsequent transaction after the first transaction, the evolving token changes so that it is associated with a payment account and the evolving token can be used to make payments.12-29-2011
20110320343PAYMENT LINK - In one embodiment, an intended recipient of money transmits a payment link created by the recipient to an intended sender of money, where the link contains a locator to a site of a payment provider, information about the recipient (e.g., email address), and the amount of money to be sent. The link can be sent via email, text, IM, or other means. The sender then accesses the link, such as by clicking or tapping on the link, which launches a checkout or payment page for the sender on the payment provider site. The sender completes the payment page, and the payment is sent to the recipient by the payment provider.12-29-2011
20120330825PROCESSING A PURCHASE TRANSACTION BASED ON DIFFERENT PAYMENT METHODS - A computer-implemented method for processing a purchase transaction initiated by a user including receiving a credit card transaction involving a financial product, processing the credit card transaction, and choosing a form of payment for the credit card transaction based on a preset rule.12-27-2012
20120101940END-TO-END MONITORING OF A RETAIL PAYMENTS PROCESS - The Embodiments of the invention comprise computer program products, systems, and methods for monitoring a retail payments process where a financial institution receives check payments for various types of transactions, such as but not limited to credit card payments, mortgage payments, student loan payments, car payments, etc. The image capture machines capture images of the checks and the associated check data. The check images are grouped into batches based on the client (i.e. the paying bank, third-party processing entity) that the checks are sent to in order to receive payments from the paying bank. The grouped batches are electronically sent to the proper client for processing. The individual checks in the batch are posted and settled to the customer's account. The process is monitored based on client processing limits to track, identify, and fix any batch exceptions that occur during processing.04-26-2012
20120101939METHOD AND SYSTEM FOR SECURE ONLINE PAYMENTS - Methods and devices are provided for secure online payments. In one embodiment, the method may involve receiving log-in information for a user. The method may involve accessing data regarding open credit card accounts for the user from a credit card grantor/issuer and/or a credit information entity (e.g., a credit bureau), in response to the received log-in information matching stored authentication information. The method may involve sending secure account information about the open credit card accounts to at least one network entity (e.g., a registration server, a user device, or a merchant server). The method may also involve, in response to the user selecting a given one of the accounts from the secure account information, determining whether sufficient credit is available for the selected given account and processing a transaction with the selected given account.04-26-2012
20120101938METHOD AND SYSTEM FOR SECURE ONLINE PAYMENTS - Methods and devices are provided for secure online payments. In one embodiment, the method may involve receiving log-in information for a user. The method may involve accessing data regarding open credit card accounts for the user from a credit information entity, in response to the received log-in information matching stored authentication information. The method may involve sending secure account information about the open credit card accounts to at least one network entity (e.g., a registration server, a user device, or a merchant server). The method may also involve, in response to the user selecting a given one of the accounts from the secure account information, determining whether sufficient credit is available for the selected given account and processing a transaction with the selected given account.04-26-2012
20120330823SYSTEMS AND METHODS TO PROVIDE ACCESS CONTROL VIA MOBILE PHONES - Systems and methods are provided to allow parental control via mobile communications. In one aspect, a system includes a data storage facility to store data associating a phone number with information indicative of an age of a user of the phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. The common format processor is to use one converter of the converters to communicate with a telephonic apparatus at the phone number to obtain parental consent, in response to a request from a third party website, such as a social networking website.12-27-2012
20120136778REPLICATING DATA IN FINANCIAL SYSTEMS - Systems and methods for deciding whether to void a payment are provided. The method includes sending a signal to a web service provider to request information as to whether a payment has been reconciled, and receiving a first response from the web service provider. If the first response from the web service provider indicates that the payment has not been reconciled: performing a void process to void the payment, committing data related to the void process to an interface table, and receiving a second response from the web service provider. The second response includes status information of the payment replicated from a second interface table associated with the web service provider to the interface table. If the first response from the web service provider indicates that the payment has already been reconciled, deciding not to perform the void process.05-31-2012
20100169211Communication system and information processing method - A network transaction server apparatus manages virtual world privilege information that is issued for a transaction that a user has conducted in a virtual world by manipulating a personal computer. A settlement server apparatus manages real world privilege information that is issued for a transaction that the user has conducted in a real world. In response to a request from the personal computer, the settlement server apparatus converts virtual world privilege information that is managed by the network transaction server apparatus into real world privilege information using a prescribed conversion factor.07-01-2010
20130013497GLOBAL REMITTANCE PLATFORM - The invention provides a remittance platform in which an enterprise, such as Wells Fargo, serves as a remittance transfer agent, where the remittance function is integrated with a bank. The invention allows access to the remittance program by both account holders with the enterprise and persons who do not have an account with the enterprise. The person accessing the service may pick the remittance service they want and the country they want. However, the service is not anchored to a particular account and can therefore work with both bank partners and non-bank partners and account holders and non-account holders. Further, the system may be private-labeled. Additionally, the invention provides a mechanism that allows one to send money easily to other countries and it allows bank partners to participate in the program easily as well. This is possible because the enterprise provides all of the processing in an integrated fashion.01-10-2013
20130013495TRANSACTION INFORMATION ROUTING - Apparatus and methods for routing transaction information. The apparatus and methods may involve using receiving the transaction information; retrieving from computer readable memory: (a) a transaction information routing rule; and (b) transaction service provider information; and formulating routing information based on the transaction information, the transaction service provider information and the routing rule. The apparatus and methods may identify prospective recipients, among participants in a transaction, for receipt of the transaction information.01-10-2013
20130013493SYSTEMS AND METHODS FOR CONDUCTING TRANSACTIONS AND COMMUNICATIONS USING A TRUSTED THIRD PARTY - Systems and methods are provided for performing transactions and managing communications using a trusted third party. In one embodiment, a sender transfers an encrypted version of a file (such as a digitally encoded audio track, movie, document, or the like) to someone who wishes to receive it. The receiver computes a first hash of at least a portion of the encrypted data content, and sends the first hash to a third party configured to compare at least a portion of the first hash to at least a portion of a second hash. The receiver receives a file decryption key from the third party, and decrypts at least the portion of the received encrypted data content with the decryption key. In some cases, multiple hashes of the encrypted data content may be computed, each using a different portion of the encrypted data content.01-10-2013
20130013490MOBILE APPARATUS WITH BACK-UP PAYMENT SYSTEM - Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device via a back-up payment module that is attached to the mobile device. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal by establishing physical contact between the back-up payment module and the payment terminal. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal when one or more other methods of making a payment via a mobile device are unavailable.01-10-2013
20130013491SYSTEM AND METHOD FOR DETECTING AND MITIGATING DUPLICATE TRANSACTION FRAUD - A method and system for reducing fraud by detecting duplicate financial transactions in a financial transaction processing system. In various embodiments, financial institutions can be alerted when a financial instrument such as a check is being tendered for deposit, wherein a previous deposit for that same instrument had previously been submitted at the same or a different financial institution. The system and method provide for detection of deposits of checks after remote deposit of the same check had been previously performed (for example by submitting a digital image of the check). Deposit of duplicate counterfeit paper checks issued to multiple parties can also be detected and mitigated.01-10-2013
20120150731SYSTEM AND METHOD FOR PROCESSING GROUP GIFT CARDS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for managing a group gift using a system in which a recipient (purchaser of the group gift) and givers have registered payment accounts with the system. The system displays, on a graphical user interface, at least the giver and the recipient to yield a proposed transfer configuration at a first time. A gift or a merchant can also be identified in the interface. Upon receiving a confirmation from at least one of the giver and the receiver of the proposed transfer configuration, the system establishes a money transfer policy that indicates that, upon detecting a qualifying purchase made using the recipient payment account, at least a portion of a transfer amount is applied to the recipient payment account from at least one giver account. The system simplifies the process of a group of people joining together to buy a gift.06-14-2012
20120150729SYSTEM AND METHOD FOR PROCESSING GROUP GIFT CARDS USING A TEMPORARY, LIMITED SCOPE SOCIAL NETWORKING ENTITY - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift card recipients to redeem gift card amounts using existing accounts such as a credit/debit card. A system practicing the method sends to a set of givers a set of respective invitations to contribute to a group gift, wherein the group gift is associated with a policy, a person, and a payment account associated with the person that existed prior to sending the set of respective invitations. The system identifies a contribution to the group gift from one of the set of givers, wherein when the person makes a qualifying transaction using the payment account according to the policy, a gift amount associated with the group gift is applied from various giver accounts. Then the system updates at least one of the set of respective invitations sent to the set of givers based on the contribution.06-14-2012
20120150727RFID PAYMENT SYSTEM - A method for making a payment using a RFID system includes associating a first RFID identifier with a payer account in a database. A purchase type and an associated spending gate definition are received for the first RFID identifier over the network. The spending gate definition is associated with at least one of a plurality of funding sources of the payer account. The purchase type and associated spending gate definition are associated with the first RFID identifier in the database. A payment request is received for a purchase using the first RFID identifier over the network. It is determined that that the payment request includes the purchase type in the database. A payment is made using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type.06-14-2012
20130018782METHODS AND SYSTEMS FOR FACILITATING MOBILE DEVICE PAYMENTS USING CODES AND CASHBACK BUSINESS MODEL - Provided are methods and systems for facilitating mobile device payments using codes and cashback business model. Upon installation of an application on a mobile device, a customer may specify his payment information, which may include data on a credit/debit card or a bank checking account. Once the payment information has been specified, the customer may receive a unique code encoding his payment information. The customer may then start scanning product barcodes with his mobile device. To make payment for products, the unique code displayed on a screen of the customer mobile device may be scanned by a payment receiver mobile device. The payment receiver mobile device may further display customer records stored in a database of a payment processing system. Based on the customer records, the customer may be provided with various cashback opportunities, as well as credits and discounts.01-17-2013
20130018781MERCHANT DATA CLEANSING IN CLEARING RECORD - A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content.01-17-2013
20130018779ALIAS-BASED MERCHANT TRANSACTION SYSTEM - A system and method for using an alias to conduct financial transactions at a merchant is provided. The system and method allows a user to provide an alias identifying the user or a business in order to conduct transactions without needing to know or provide actual account numbers. Aliases are associated with users and businesses and can be linked to financial accounts of the user and business. When the method determines that the user is attempting to conduct a transaction using the alias, the method determines the account number associated with the alias and completes the transaction using the alias. The method may also evaluate the transaction to determine whether pre-determined rules are complied with and provide confirmation to the user that the transaction has completed.01-17-2013
20130018778VIRTUAL GIFT CARD - A virtual gift credit system that automatically attaches gift credit to a payment account or vehicle of the gift recipient upon issuance of the gift credit is herein described. By attaching the gift credit amount to the recipient's payment account, subsequent purchases made using the payment account, and of the type associated with the gift credit, are automatically settled by applying the gift credit amount to the purchase amount. Further, the invention does not require gift recipients to share confidential account information with gift providers in order for the gift providers to bestow gift credit upon the gift recipients. Through the use of aliases, which serve to tie an identifier, such as a gift recipient's telephone number, email address or the like to a gift recipient's payment account, the invention does not require that the gift provider know any information about the financial accounts of the intended gift recipient.01-17-2013
20130018784METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount.01-17-2013
20130018783Efficient Stored-Value Card Transactions - A method includes receiving a stored-value card transaction request from an access point. The stored-value card transaction request is associated with a package identification number, and the package identification number is associated with a plurality of stored-value cards. The method further includes generating a plurality of children transaction requests based on the stored-value card transaction request. The method further includes sending at least one of the plurality of children transaction requests to a first card party. The method further includes sending at least another of the plurality of children transaction requests to a second card party. The second card party may be the same or different from the first card party.01-17-2013
20130024362PROCESSING CODED DATA - A data processing system processes coded data having data fields representing a financial transaction involving currency conversion. A database contains data relating to beneficiaries of financial transactions and other criteria. A communications interface interfaces with a secure financial communications system. The data processing arrangement analyses the data fields of coded data received from the communications system, and identifies from the fields and data in the database whether or not the transaction complies with the said criteria thereby indicating whether the transaction is a candidate for currency conversion. If currency conversion is carried out data fields relating to the currency and value of the currency are changed. Data in data fields relating to the addressing of the coded data is changed to indicate the address of another data processing system. The coded data is transmitted via the secure communications system to the other data processing system.01-24-2013
20130024363PAYMENT APPARATUS AND METHOD - Techniques are provided for updating an offline parameter of a payment device having an online-capable application and a primarily offline application. The offline parameter can be a counter reflective of an offline spending balance. The same parameter can be shared between the applications, or cross-application visibility of the parameter can be provided. When a requirement to update the offline parameter is determined, the offline parameter can be updated substantially contemporaneously with an online transaction. The updates can be transparent to the user, allowing substantial duplication of the debit card and/or credit card experience with an offline payment device.01-24-2013
20130024361CAPACITY CUSTOMIZATION FOR FRAUD FILTERING - A multi-stage filtering process and system for fraud detection is disclosed. The multi-stage filtering process allows for the ability to dynamically increase/decrease server capacity, as well as application capacity to support fraud detection activities. The system monitors the queues of the transactions being made using various channels, and responds by adjusting the server and application resources needed for performing pre-filtering on the transactions in the queues. The invention allows for the fraud detection systems to maintain the capacity necessary to examine, at some level, if one or more of the transactions being processed by a financial institution are potentially fraudulent. The capacity can be changed during times of high and low volumes, thus allowing the allocation of resources based on transaction volume, which reduces the computing, energy, labor, etc. costs associated with fraud detection systems without losing the ability to detect almost all of the fraudulent transactions occurring.01-24-2013
20130173461Payment System for Wearable or Implantable Sensor Data - This invention is a data collection system for collecting data from one or more sensors worn by, or implanted in, a person or from one or more sensors in the environment of the person. The data collection comprises one or more sensors equipped with a short range communication link; a mobile communication device configured to communicate through the short range communication link with the sensors, and equipped with a wide area network communication link; a server in communication through the wide area network with the mobile communication device; and a financial institution also in communication through said wide area network with said server. Sensor data is transmitted from the sensors to the mobile communication device, where it is processed and then retransmitted to the server, and used to calculate a payment as a function of a business agreement. The financial institution executes the payment.07-04-2013
20130173462REQUESTOR-BASED FUNDS TRANSFER SYSTEM AND METHODS - 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 (07-04-2013
20130173455MOBILE COMMUNICATIONS DEVICE PROVIDING NEAR FIELD COMMUNICATION (NFC) SECURITY FEATURES AND RELATED METHODS - A mobile communications device may include a near field communication (NFC) device, a movement determining device, and a processor coupled with the NFC device and the movement determining device. The processor may be capable of selectively switching between a first operating mode, in which the NFC device is enabled for NFC communication, and an second operating mode. The processor may also be capable of, when switched to the unsecure operating mode, enabling the NFC device for NFC communication until the mobile communications device moves beyond a threshold distance based upon the movement determining device.07-04-2013
20080255987Composite Settlement System - Provided is a composite settlement system, including: a card; a terminal; and a management server, the card being capable of connecting to the management server via the card terminal, for storing management information on a card holder; the card terminal being capable of connecting to the card and the management server, the management server being capable of connecting to the card terminal and a computer of a financial institution, in which each of at least two business entities is allowed to execute a transaction and settlement with the financial institution based on an instruction issued from the card terminal connected to the card, whereby it is possible to improve convenience of a user by eliminating the need for carrying a plurality of cards different between business entities.10-16-2008
20080249932INDEX-LINKED NOTES WITH PERIODIC COUPONS SUBJECT TO A TRIGGERING EVENT - Index-linked notes with periodic coupons subject to a triggering event, and accompanying methods, are described herein. In some instances, exemplary notes allow a purchaser to purchase a note and receive periodic coupons returned on the note as long as a triggering event does not occur. Assuming that the triggering event does not occur, the purchaser may receive these coupons until the note reaches maturity. Payment of the periodic coupons may cease, however, when a triggering event (e.g., the purchaser's death) does occur. In addition, the amount of the periodic coupons are tied in some manner to a financial index, such as the Bloomberg index, the S&P 500, or the like.10-09-2008
20080249929PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION - A payment system receives, from a first financial institution, a request for a funds transfer. The request originates from a sender who has an account with the first financial institution. The payment system routes the funds transfer to a second financial institution for the benefit of a recipient. The payment system receives, from the second financial institution, the recipient's name and residential address.10-09-2008
20080249927REMITTANCE RECIPIENT/SENDER NAME ON SENDER/RECIPIENT MONTHLY STATEMENT - A method includes receiving at an issuer computer at least one message relating to a funds transfer routed to the issuer computer by a payment system. The message(s) include information indicative of the name of an individual who initiated the funds transfer. The issuer computer is operated by or on behalf of an issuer of payment card accounts. The funds transfer is credited to a payment cared account issued by the issuer to a recipient of the funds transfer. A periodic statement is generated concerning transactions charged or credited to the recipient's payment card account. The periodic statement includes an entry for the funds transfer. The entry includes the name the individual who initiated the funds transfer. Similarly, the name of the recipient of a funds transfer may appear on the periodic payment card account statement for a sender of the funds transfer.10-09-2008
20080235134Worldwide Money Express Service - Worldwide Money Express Service contemplated herein is a business method that provides a door-to-door cash delivery service to its Users through a network of independent licensed drivers who receive cash daily from the service provider and physically deliver the amount requested by the Users to them in person wherever they may be at any point in time and the service provider electronically or physically deducts the amount plus fees from the User's bank or other account before or after the cash delivery is completed.09-25-2008
20080235132Transactional Device With Anticipated Pretreatment - The invention concerns a transactional device comprising a station (09-25-2008
20080228641METHOD AND SYSTEM FOR CREDIT CARD REIMBURSEMENTS FOR HEALTH CARE TRANSACTIONS - According to one embodiment, the present invention relates to a method and a system for reimbursing credit card transactions for health care services and/or products. An exemplary method and system may involve registering a user for reimbursement wherein the user identifies one or more payment mechanisms and one or more reimbursement methods; identifying a user transaction with the one or more payment mechanisms at a merchant wherein the user transaction comprises one or more purchases; receiving merchant data regarding the user transaction; determining reimbursement eligibility of the one or more purchases of the user transaction based at least in part on the merchant data; and reimbursing the user for eligible purchases via the one or more reimbursement methods.09-18-2008
20130173460APPARATUS AND METHOD FOR SHARING CONTENT INFORMATION IN A COMMUNICATION SYSTEM AND A SYSTEM THEREOF - A method for sharing content information in a communication system includes transmitting a content payment request message to a content providing server, if a payment of a specific content is requested from a user of a first portable terminal, transmitting content information with regard to the specific content in response to the content payment request message to the first portable terminal and a content information registration server, receiving the content information and databasing the received content information, transmitting a content sharing message with regard to the specific content to the first portable terminal, if a wireless communication with the first portable terminal is available, detecting the content information among the databased content information and transmitting the detected content information to a second portable terminal, when the content sharing request message is received; and receiving and storing the content information in response to the content sharing request message.07-04-2013
20130173463ELECTRONIC PAYMENT AND AUTHENTICATION SYSTEM WITH DEBIT AND IDENTIFICATION DATA VERIFICATION AND ELECTRONIC CHECK CAPABILITIES - An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.07-04-2013
20110246359METHODS AND SYSTEMS FOR IDENTITY AUTHENTICATION - The Greenlist tool provides payors desiring to pay a merchant a means to locate, validate and effect the transfer of assets to another party by routing transaction requests to a third party that functions as the transaction enabler. This task is performed without divulging confidential information about transactors while assigning liability for certain risk consequences to the lowest cost risk bearers: banks. Greenlist verifies identities before making financial transactions or before obtaining access to restricted information. The Greenlist can be completely trusted by risk-bearers. Liability for risk can be transferred to the registrars of the information contained within the registry. This liability transfer substantially reduces the payor's cost of bearing risks. Banks or third parties responsible for certifying that someone or some entity claiming to be an authorized party is not an impostor can now offer new levels of service at a substantially lower cost for a variety of transactions.10-06-2011
20110246358Enhanced Least Cost Routing of Fund Transfer Transactions - Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors, such as speed factors, quality factors, cost factors, and/or priority factors. Users sometimes desire to remotely transfer funds from their account (i.e., payor account) to a payee, but are ambivalent as to the delivery mechanism their financial institution uses to perform the transfer. Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner.10-06-2011
20110246357CHARGEBACK RESPONSE TOOL - A method and a system of a chargeback response tool. A chargeback response tool receives chargeback data from a financial vendor and automatically retrieves chargeback dispute evidence relating to the parties involved in the chargeback and about the original transaction from a transaction system that facilitated the original transaction. The chargeback response tool organizes and presents chargeback dispute evidence. The chargeback response tool may also analyze the performance and effectiveness of agents using the tool and of various approaches of disputing chargebacks.10-06-2011
20110264581Systems and Methods to Provide Market Analyses and Alerts - In one aspect, a computing apparatus includes: a transaction handler configured to process payment transactions between issuer processors on behalf of account holders and acquirer processors on behalf of merchants; a data warehouse configured to store transaction data recording the payment transactions and environmental data identifying market activities and events occurring shortly before, concurrently with, or shortly after the respective payment transactions; an analytic tool coupled with the data warehouse and configured to correlate the transaction data and the environmental data to establish at least one predictive model and configured to predict a market activity based on the predictive model; and a gateway to provide information about a prediction of the market activity to a user via a report or a mobile alert.10-27-2011
20110264580Method and System Using a Bitmap for Passing Contactless Payment Card Transaction Variables in Standardized Data Formats - An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field.10-27-2011
20080222031Method and system for fee payment for automotive services - The present invention provides a system and method for fee payment for automotive facilities, the system comprising: a facility gate unit having a user interface enabling a user to enter a user code, the facility gate unit enables entrance of the user to a respective automotive facility after entering the code; and a transaction server to receive from the facility gate unit the code entered by a user and to produce instruction to debit the user for the respective automotive facility service fee based on user identification, the transaction server is further to receive at least one payment instruction, and to provide confirmation that the fee was fully paid, wherein the facility gate unit enables exit from the respective facility after receiving the confirmation.09-11-2008
20080222030METHOD AND SYSTEM FOR PURCHASING PRODUCTS VIA TEXT MESSAGING - A method and system including distributing a keyword, and receiving a text message from a device through a carrier with the keyword to purchase a product. The carrier adds a purchase price of the product to the purchaser's wireless service bill and the product is distributed to the purchaser external to the device.09-11-2008
20130173454CONTROLLING A COMPUTER SYSTEM ENABLING SHARIA-COMPLIANT FINANCING - A computer system including data processing means arranged for receiving information into memory, the information enabling a transaction wherein a first party obtains property financing from a first financier by providing equitable title to the first financier and incurring obligations under a lease to the property, and wherein the first financier obtains funding for the financing from a second financier by providing at least some of the first financier's rights in the property, wherein the data processing means includes control means disposed to apply a Sharia compliance standard to the information control the computer system in carrying out a transaction compliant with the standard.07-04-2013
20130173456PRESENTATION OF MOBILE PAYMENT TRANSACTIONHISTORY ON A MOBILE COMMUNICATION DEVICE - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for providing users/customers instantaneous access to mobile payment transaction history data. As such the mobile payment user can track mobile payment spending and budget accordingly. In addition, embodiments provide for the user to search transaction history to identify specific mobile payment transactions for the purpose of identifying when, where and the amount of a prior mobile payment transaction. Moreover, the user is provided the ability to verify that no unauthorized transactions occurred in the event that the user re-acquires possession of a mobile payment device that was previously lost, misappropriated or misplaced, or, if unauthorized transactions did occur, the ability to quickly identify the location and amount of such unauthorized transactions.07-04-2013
20130173457SYSTEMS AND METHODS FOR CONDUCTING MORE RELIABLE FINANCIAL TRANSACTIONS, CREDIT DECISIONS, AND SECURITY ASSESSMENTS - Systems and methods for conducting more reliable financial transactions, credit decisions, and security assessments are provided. A user may assign user connectivity values to other members of the community, or connectivity values may be automatically harvested or assigned from third parties or based on the frequency of interactions between members of the community. Connectivity values may represent alignment, reputation within the network community, or the degree of trust. Information about a financial transaction initiated by a first member of the community, a credit decision, and/or a security assessment may be automatically published to other qualifying members of the community based on connectivity values. The other qualifying members may then be given the opportunity to participate in the same financial transaction or access the same financial application in order to initiate their own financial transaction, or to take action based on information about the financial transaction, credit decision, and/or security assessment.07-04-2013
20130173458WATER PURIFICATION APPARATUS AND METHOD - Method for reducing the carbon footprint of a community by implementation of a water filter project comprises assessment of the viability of a filter system to determine the acceptability of said filter system for implementation in a community as substitute for the sterilization of water by boiling. Filter systems are transported to a community, for example a developing country where water is sterilized by boiling on a routine basis due to the presence of waterborne illnesses. The filter systems are then installed and operated. The volume of water produced by the filtering system is then monitored and usage data is generated and communicated to a database. The volume of carbon credits associated with the usage data is calculated. Information is communicated to a consumer of carbon credits. Funds are then transferred from said consumer to a person or persons, i.e. the project proponent, providing and installing said filter system.07-04-2013
20120254023SYSTEM AND METHOD FOR PROCESSING PREFERENTIAL ADMISSION OF INDIVIDUALS AND GROUPS TO PHYSICAL VENUES - A method for facilitating preferred admission transactions between venues and customers, comprises: receiving a request for preferential admission at a server from a customer device, the request identifying the venue to which the request applies; delivering a notification of request for preferential admission to a remote venue device; receiving a response at the server from the remote venue device, the response indicating either acceptance or rejection of the request for preferential admission; delivering notification of acceptance of the preferential admission request to the customer device; and charging the customer for the preferred admission service.10-04-2012
20120254021FRIENDLY FUNDING SOURCE - A user can select one or more friendly funding sources to make a payment. The friendly funding sources are pre-approved by a “friend” of the user and have restrictions for use. When the user desires to make a payment, the user sees one or more friendly funding sources and can choose any combination of friendly funding sources and conventional funding sources for making the payment.10-04-2012
20080215483System and method for the enablement of electronic commerce in a content network - An apparatus customizes electronic received information and facilitates electronic transactions with an individual consumer. The apparatus includes a consumer database for storing consumer profiles information corresponding to the individual consumer and a transaction database for storing transaction related information corresponding to individual commercial partners, including target content markers. A first computer program in communication with the databases modifies the electronic information received to include the consumer profile information stored in the consumer database which corresponds to the transaction-related target content markers in the electronic information. A second computer program in communication with the consumer database automatically monitors consumer interaction and automatically monitors consumer interaction and automatically updating the consumer profile data based on the interactions.09-04-2008
20110270741UNIVERSAL PAYMENT MODULE SYSTEMS AND METHODS FOR MOBILE COMPUTING DEVICES - The present disclosure provides universal payment module systems and methods for mobile computing devices that include a universal payment module and an associated adapter device for coupling the universal payment module to any of a plurality of mobile computing devices. The present disclosure utilizes a common payment module which can interface multiple mobile computers with differing form factors via a snap-on sled. Advantageously, the present invention allows the leveraging of one payment module for many mobile computers. The single payment module includes various special payment security mechanisms via mechanical, electrical, and software mechanisms. The present disclosure enables design, standardization, and production of one single common, universal payment module for a plurality of mobile computer devices instead of one specific payment module for each form factor of the plurality of mobile computer devices.11-03-2011
20130091052SYSTEMS AND METHODS FOR GENERATING NEW ACCOUNTS WITH A FINANCIAL INSTITUTION - Systems, methods and computer programming for evaluating users applying for a new account with a financial institution, and generating the new account online, are described. The request, identity information and geographic information are received by the financial institution over a network from the user, and confidence scores are generated and evaluated by the financial institution. If a temporary limited account is approved for generation, then an online transfer of funds from an existing account with another financial institution is initiated and completed by to complete the new account generation.04-11-2013
20130091053APPARATUS FOR PROVIDING SERVICE LINKING CLOSED USER GROUPS BASED ON SMART TELEVISION AND SMART SET-TOP BOX - Provided is an apparatus for providing a service that links closed user groups (CUGs) based on a smart TV and a smart set-top box. A server may provide at least one application (app) store: The app store may register apps provided by developers, and may provide the registered apps to users of a CUG. The app retriever may provide a result of inquiry and retrieval performed with respect to apps registered in the at least one app store, to a terminal that performs the inquiry and retrieval. The terminal distributed for a predetermined CUG service may use apps associated with varied CUG services through the server.04-11-2013
20130179334PREFUNDING FOR MONEY TRANSFER SEND TRANSACTIONS - A computer is configured to facilitate prefunding a number of money transfer transaction fees. Each prefunded money transfer transaction fee is usable to pay for a transaction fee associated with a future money transfer send transaction. The computer is further configured to charge an amount for each prefunded money transfer transaction fee based on the number of money transfer transaction fees prefunded. A server connected to the computer is configured to store information related to the prefunded money transfer transaction fees.07-11-2013
20130179335ALIAS MANAGEMENT AND VALUE TRANSFER CLAIM PROCESSING - An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers.07-11-2013
20130097072INFORMATION STORAGE DEVICE AND INFORMATION SERVICE SYSTEM - The present invention provides an information storage device includes a first storage unit stores an arbitrary information file transmitted via a wide area information network, a second storage unit stores an information file in a predetermined form, which is derived from the first storage unit, an information file determination unit determines whether or not the information file in the first storage unit is the information file in the predetermined form, a file conversion unit converts an information file into the predetermined form, and a storage management unit manages the information file, and stores in the second storage unit. In the information storage device, if a copy of the information file in the first storage unit is not in the predetermined form when the copy is stored in the second storage unit, the copy converted into the information file in the predetermined form, and stored in the second storage unit.04-18-2013
20130103578ENHANCED CUSTOMER INTERACTION CHANNEL SYSTEMS AND METHODS - A computer-implemented method, a server, and a computer use an enhanced customer interaction channel based on a predetermined payment key associated with a specific company and location. The predetermined payment key uniquely identifies the specific company and location and enables the enhanced customer interaction channel based on existing payment processing systems. The specific company may use the enhanced customer interaction channel to reach customers who were previously unknown to the specific company for a variety of purposes such as rewards, coupons, offers, product information, and the like.04-25-2013
20130103577SYSTEMS AND METHODS FOR OPTIMIZING FINANCIAL TRANSACTIONS - Systems, methods and computer-readable media for optimizing financial transactions are disclosed. Candidate source and target financial accounts may be respectively identified based on source and target identifiers. Respective candidate source payment networks configured to access each candidate source financial account and respective candidate target payment networks configured to access each candidate target financial account may be identified. Based at least in part on an analysis of one or more rules, a set of transaction options may be generated. Each transaction option may be associated with a particular combination of source and target financial accounts and payment networks and may further be associated with one or more transaction characteristics. Respective transaction options information associated with one or more of the transaction options may be transmitted and potentially presented to a financial transaction requestor. The requestor may be provided with a capability to indicate a selection of a transaction option for processing of a financial transaction. In other scenarios, an analysis of a set of transaction options may be performed based on a complete financial transaction request that includes a transaction amount. An indication of whether the financial transaction is executable may be transmitted, potentially for presentation to a financial transaction requestor.04-25-2013
20130103575PRINTING FOR-PAY CONTENT - In one embodiment, an email communication is received via a network. The email communication includes a content identifier identifying for-pay content hosted at a provider computing system, a sender identifier identifying a sender of the communication, and a printer identifier identifying a network-connected printer. The sender identifier is compared to a database that associates sender identifiers with payment subscriptions authorizing printing of the content. Responsive to receipt of data indicating the sender identifier is associated with a payment subscription, the content is obtained from the provider system, rasterized, and sent to the printer for printing.04-25-2013
20130103574Payment Delegation Transaction Processing - Systems, methods, and computer-readable media for processing payment delegate transactions are provided. A transaction message associated with a payment instrument of a customer may be received by a payment processing service from a merchant. The payment processing service may determine when the payment instrument is not a payment delegate. When the payment instrument is not a payment delegate, the payment processing service may communicate a response to the merchant processor. When the payment instrument is a payment delegate, a message may be communicated to a funding source gateway and/or an indication that the payment instrument is a payment delegate may be communicated to at least one memory.04-25-2013
20130103579SYSTEM AND METHOD FOR COLLECTING AND DISBURSING ELECTRONIC GRATUITIES - The present invention relates to systems and methods for collecting and disbursing electronic gratuities. According to one embodiment, a device for submitting gratuities by credit card is provided at a place of business or other appropriate location. A method of using this device is disclosed, whereby consumers pay a predetermined or adjustable gratuity amount by inserting a credit card into the device. According to another embodiment, technological infrastructure is provided to transmit encrypted payment information such that the acquiring bank of the device provider obtains authorization for gratuity transactions conducted using the device. The acquiring bank is thus enabled to credit the device provider's merchant account or disbursal accounts with electronic gratuity payments less acquisition fees. According to another embodiment, a method of disbursing gratuity shares to employees of the business is provided, wherein processing fees are collected by the device provider.04-25-2013
20130124405Mobile-To-Mobile Payment System and Method - A mobile-to-mobile payment method and system are presented. One or more payor messages are received at a payment server from a mobile device associated with a payor. The one or more payor messages include an identifier of a payee and an amount. The identifier of the payee is associated with a payee account, and the mobile device is associated with a payor account. The payment server executes a transfer of funds of the amount from the payor account to the payee account.05-16-2013
20130124402INTERNET PACKAGE SHIPPING SYSTEMS AND METHODS - Systems and methods for shipping a package from a package sender to an intended recipient, utilizing Internet communications to place shipping orders, request on demand package pickup, maintain and utilize pre-stored profile information, view shipping history, track orders, etc. A package sender with an Internet-accessible computer accesses an Internet site and associated shipping system operated by a shipping service provider. The package sender enters information required for shipping the package, including shipping options and methods for payment, and the shipment transaction is validated. If the transaction is validated, printer indicia are communicated to the customer's computer, which is enabled to locally print a prepaid label containing special machine-readable as well as human-readable indicia. The shipping service provider acquires the package by drop-off, standard pickup or on call pickup, scans the machine readable indicia, verifies other indicia of authenticity, and processes the package in accordance with information encoded on the label.05-16-2013
20130124397COLLABORATIVE FIRST ORDER LOGIC SYSTEM WITH DYNAMIC ONTOLOGY - A collaborative first order logic system with dynamic ontology for example that enables collaborative discussion of documents, subjects associated within the documents, assertions about the subjects and theorems that utilize the assertions along with dynamic creation and association of two or more subjects that may represent the same thing. Enables geographical and temporal displays of assertions and opinions regarding the assertions.05-16-2013
20130124400CLOUD COMPUTING OPERATING SYSTEM AND METHOD - A cloud computing operating system is described. The system, in one aspect, includes a plurality of core data structures (05-16-2013
20130124398MOBILE PLATFORM FOR EVENT REGISTRATION - Method and systems of registering participants for an event at an event site are disclosed. Identification data specific to a participant encoded on a first token object is read with a mobile computing device. A query is generated from the mobile computing device to a remote event registration system for prior registration data based upon at least a subset of the received identification data. The prior registration data is received on the mobile computing device. A first subset of the prior registration data is transmitted to a local event registration system, and a payment success indicator is received upon successful payment processing. Registrant identification data is generated by the local event registration system in response to recording the first subset of the prior registration data and the payment success indicator.05-16-2013
20130124395Systems And Methods For Disabling Recurring Charges - A system, a method, and a software product disable recurring charges incurred on an account of a user. A plurality of transactions that occurred within a predefined period for the account is received within a server. The transactions are analyzed to identify a recurring charge, which is indicated to the user. A delete button is displayed proximate the recurring charge and the recurring charge is cancelled if the user clicks on the delete button.05-16-2013
20130124396SYSTEM AND METHOD FOR UTILIZING A MOBILE DEVICE TO PURCHASE ONE OR MORE GOODS AND SERVICES - The present invention is a system to purchase one or more goods and services that includes one or more payment receiving apparatuses that include a distinctive product code, a mobile device with an input system to input purchasing data and a payment distribution application utilized to input purchasing data and a communications network that allows the mobile device to be in communication with the one or more payment receiving apparatuses. A payment is performed by the mobile device to purchase the goods and services provided by the one or more payment receiving apparatuses which are in communication with a user's monetary funds to transfer the user's monetary funds over the communications network to the payment receiving apparatus to purchase the goods and services.05-16-2013
20130124403Notification Systems and Methods Enabling Selection of Arrival or Departure Times of Tracked Mobile Things in Relation to Locations - Systems and methods are disclosed for automated notification systems. A representative method, among others, can be summarized as follows: engaging in a communication session with a personal communications device, based upon impending arrival or departure of one or more mobile things in relation to a location; during the communication session, providing a plurality of arrival or departure times in relation to a location and enabling selection of one of the times; and causing a mobile thing to arrive at or depart from the location at substantially the selected time. A representative system, among others, is a computer system that has been programmed to perform the foregoing steps.05-16-2013
20130124399APPARATUS TO PROVIDE LIQUID FUNDS IN THE ONLINE AUCTION AND MARKETPLACE ENVIRONMENT - A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller.05-16-2013
20130124404Notification Systems and Methods Enabling Selection of Arrival or Departure Times of Tracked Mobile Things in Relation to Locations - Systems and methods are disclosed for automated notification systems. A representative method, among others, can be summarized as follows: engaging in a communication session with a personal communications device, based upon impending arrival or departure of one or more mobile things in relation to a location; during the communication session, providing a plurality of arrival or departure times in relation to a location and enabling selection of one of the times; and causing a mobile thing to arrive at or depart from the location at substantially the selected time. A representative system, among others, is a computer system that has been programmed to perform the foregoing steps.05-16-2013
20130124401Internet-Based Group Cloud Management System - (GCMS) for Information Exchange Among Cloud Management System Sites - (CMS) (Systems and Methods) - System and Methods for implementing a Internet-Based Group Cloud Management System (GCMS) comprised by several Cloud Management System sites (CMS sites), where providing institutions, means for: A) The Creation of the Educational Group comprised by: A1) Community CMS sites for Campuses and/or Groups of Users, A2) Personal CMS Sites for each Faculty, Staff, Student and Alumnus, A3) Project CMS sites for each Project Team. B) Communication within the Educational Group: B1) Among CMS Sites, B2) to e-mail and text-messaging devices. The CMS sites are reachable by their own domain names or sub-domain from the GCMS, and by any search engine. Each CMS site is multi-user and includes its own security system, user-defined and predefined pages for among others, Professional Profile, Web Apps, Virtual Desktop/Apps and Web/Cloud Services. Each CMS site is connected to the GCMS, allowing the Exchange of Information among CMS sites within the GCMS and among GCMS sites.05-16-2013
20130132270CHARGING STATIONS INFORMATION CONTROL SYSTEM AND METHOD FOR ELECTRIC VEHICLES - A charging station information control system is provided. The charging station information control system includes at least one processor. A plurality of modules to be executed by the at least one processor includes an information acquiring module and a matching module. The information acquiring module acquires positional information of an electric vehicle. A matching module determines one or more suitable charging stations whose positional information matches the acquired positional information of the electric vehicle, and acquires the positional information of the one or more suitable charging stations.05-23-2013
20130132271SYSTEM AND METHOD FOR DISTRIBUTING BROADCAST MEDIA BASED ON A NUMBER OF VIEWERS - A system and method related thereto that includes a processor, and computer executable instructions readable by the processor and operative to provide media content for selection, provide a license for selection, wherein the license is associated with the media content, receive a selection of the media content or the license, use a sensor to determine a number of persons that are capable of perceiving the media content, and control the media content based on the number of persons that is determined to be capable of perceiving the media content, wherein controlling the media content includes any or all of the following: ceasing to play the media content, pausing the media content, playing the media content, or continuing to play the media content.05-23-2013
20130179336FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS - An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network.07-11-2013
20110218909TRANSACTION VELOCITY COUNTING FOR FRAUD DETECTION - Methods and systems for detecting fraud based on velocity counts are disclosed.09-08-2011
20110218908Discount Funded Savings - Disclosed is a method and system for Discount Funded Savings wherein an account is funded by the savings generated from the use of coupons or retailer discounts.09-08-2011
20080208735Method, System, and Computer Program Product for Managing Business Customer Contacts - In an enterprise where a database maintains multiple accounts for business customers, a method, system, and computer program product correctly links accounts which are associated with a common business. Business identification information from one or more external data sources is obtained and the format of the business identification data is standardized. Data records of business accounts are compared according to a plurality of rules for matching one business account to another. When two business accounts are found to match according to the business matching rules, a common identifier is applied to both business accounts to flag the two accounts as being associated with the same business entity. One or more hierarchy rules are applied to accounts associated with a common business, to establish a hierarchy among the accounts for purposes of marketing and other business communications.08-28-2008
20110213700ELECTRONIC NOTARY SYSTEM, METHOD AND COMPUTER-READABLE MEDIUM - A system includes a computer having a time retrieval unit to connect to an official time provider via a network and to retrieve an official current time, a data acceptance unit to receive information regarding a target object entered via a data input interface, an encoding unit to create and encode a machine readable identifier representing the official current time and the information regarding the target object, a marking unit to mark the target object by marking the machine readable identifier to the target object and a storage unit to store data associated with the machine readable identifier in a storage in a server.09-01-2011
20080201259Method and Apparatus for Conveying the Right to Broker Real Property Transfers - A method of doing business to refer the right to broker the sale of real property is disclosed. Additionally, methods and systems to measure the value of the business are disclosed. The methods and systems include determining the value of the properties and determining the value of the right to broker the properties on a networked based computer system as well as a single personal computer.08-21-2008
20090043699FINANCIAL ACCOUNT MANAGEMENT - An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets.02-12-2009
20100287094METHOD AND APPARATUS FOR PAYMENT PROCESSING USING DEBIT-BASED ELECTRONIC FUNDS TRANSFER AND DISBURSEMENT PROCESSING USING ADDENDUM-BASED ELECTRONIC DATA INTERCHANGE - This disclosure describes a payment and disbursement system, wherein an initiator authorizes a payment and disbursement to a collector and the collector processes the payment and disbursement through an accumulator agency. The accumulator agency processes the payment as a debit-based transaction and processes the disbursement as an addendum-based transaction. The processing of a debit-based transaction generally occurs by electronic funds transfer (EFT) or by financial electronic data interchange (FEDI). The processing of an addendum-based transaction generally occurs by electronic data interchange (EDI).11-11-2010
20130151400INTEGRATED MOBILE TRUSTED SERVICE MANAGER - Embodiments of the present invention are directed to a centralized trusted service manager system in the form of a trusted service manager interconnectivity service hub, which facilitates and provides communications between entities involved I mobile contactless payment systems. One embodiment is directed to a method for processing a message related to a mobile payment application on a secure element of a mobile communication device through an interconnectivity services hub including receiving the message from a first entity in a first protocol and determining a trusted service manager associated with the secure element from among a plurality of trusted service managers using a routing table comprising routing information. Then the method continues by determining a second protocol corresponding to the trusted service manager associated with the secure element, translating the message into the second protocol, and sending the translated message to the trusted service manager which communicates with the secure element.06-13-2013
20130151401REDEMPTION OF GIFT CARDS - A method and system for facilitating the redemption of gift cards are described. The method includes linking a gift card issued by a merchant to a user account, receiving a payment request from the user, processing the payment request so that the merchant is paid with funds in the account, receiving a transaction identifier from the merchant, identifying the merchant, verifying that the account is linked to a gift card issued by the merchant, retrieving a value of the gift card, transmitting the transaction identifier and a request to redeem the gift card, and receiving and depositing funds corresponding to a full or partial value of the gift card.06-13-2013
20130204778Financial Gadgets - Methods, computer program products, and systems, related to providing financial gadgets to users. In one implementation, a method includes receiving gadgets and receiving a notification that one or more gadgets has been certified. A web page with an interface through which users can select gadgets is generated and provided to a user computer. A user selects a gadget, and the selected gadget is run, including providing the user-specific financial information to the gadget. Content based on the output of the gadget is provided to the user. User-specific financial information can be collected, and modified by the gadget. A notification can be received that a financial institution has authorized one or more of the certified gadgets and the web page can only allow users to select authorized gadgets.08-08-2013
20090177578Method of converting cash into virtual cash and loading it to mobile phone cash account - A method of receiving cash from an outlet through a mobile phone comprising the steps of: —customer requesting for cash-out at an outlet; —customer showing identification and filling up a form; —frontliner accessing the device and keying in command containing customer's amount of cash-out and sending this to telco; telco verifying that customer's mobile phone is registered with the telco's cash product services and that the amount of cash-out is available in the customer's mobile phone cash account and sending information the device of the frontliner of the outlet; —frontliner of the outlet verifying that customer is registered with telco's cash product service and advising the customer of the unique transaction code; —customer paying for cash-out fee; —customer keying in “CASHOUT” cash product command containing his PIN, amount to be cashed out, and his mobile phone number; —sending this command to telco; —outlets device receiving a confirmatory message from telco of cash product service transfer; —customer receiving a SMS acknowledgment from telco of the completion of the cash product service; —customer getting cash from the outlet; —outlet's device receiving an acknowledgement of the completion of the transaction and confirmation number from telco in a format matching the outlet's device.07-09-2009
20100299252PAY YOURSELF FIRST WITH REVENUE GENERATION - The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods.11-25-2010
20100299250OFFSET OPTIMIZATION SYSTEM - Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.11-25-2010
20120259772Electronic money transfer embedded in social media communities - The systems and methods described include a method of electronically transferring funds from one person to another person. This system offers the option of using a social application for the process or of using solely the actual system called The Vault. The method of use includes at least one user to send the funds and at least one user to receive the funds. Each user establishes an account within a social application and or an account with the system called The Vault. The sender electronically sends a request for funds to be released to a receiving party, the funds are then verified and or cleared by the system called The Vault and then they are transferred to the receiving party.10-11-2012
20130138557PAYMENT ENTITY FOR ACCOUNT PAYABLES PROCESSING USING MULTIPLE PAYMENT METHODS - A method begins by receiving an accounts payable data file from a client device. The method continues by determining whether a payables profile of a client associated with the client device is to be modified based on the accounts payable data file. The method continues by determining a level of service of the client when the payables profile is not to be modified. The method continues processing payment transactions for accounts payable contained in the accounts payable data file on behalf of the client in accordance with the payables profile via a wide area network when the level of service is a first level of service.05-30-2013
20130138559METHOD AND SYSTEM TO AUTOMATE PAYMENT FOR A COMMERCE TRANSACTION - A method and system to automate payment for a commerce transaction is provided. Payment information related in part to a first electronic payment account associated with a first party and including information related to a second electronic payment account associated with a second party is received at a network-based commerce system. A request to complete a network-based commerce transaction upon occurrence of a termination event at the network-based commerce system is received. Payment information is automatically sent to the network-based payment system upon the occurrence of the termination event based on the first party being a registered and approved buyer with the network-based payment system, the sending of the payment information causing transfer of funds at the network-based payment system from the first electronic payment account to the second electronic payment account.05-30-2013
20130138558SYSTEM AND METHOD TO FACILITATE PURCHASES ON MOBILE DEVICES - System and method to enable and facilitate purchases through mobile communications on mobile devices, smartphones, feature phones, tablet computers, etc by allowing the user to interact with native interface and/or by eliminating the need of entering the MSISDN identifier by the user. MSISDN value is required to identify mobile subscriber and request a mobile billing transaction through carrier's infrastructure. A system comprises at least one data computing facility, which is connected to mobile carrier billing, short code and networking infrastructure and a plurality of converters to communicate and interface with a plurality of controllers for various mobile device types and platforms.05-30-2013
20120284175METHOD AND SYSTEM FOR FACILITATING PERSON-TO-PERSON PAYMENTS - A Person-to-person payments method and system may include receiving a request from a computer network to transfer funds from a first account to a second account, almost instantly. An alias (mobile number or email) is received and is associated with the second account and checked against a database. If the alias exists, multiple options may apply for transferring funds. Next, a secure party identifier is generated and the transfer may be completed. A Payments Switch Module may also communicate with a Third Party Payment Service Provider a request from a Sending or Receiving Financial Institution or party, to send or receive funds from a specific account held by the Third Party Payment Service Provider. This may occur on an adhoc, automatic, or scheduled basis enabling management of ‘personal cash concentration.’ This feature with the Third Party Payment Service Provider be characterized as a “Bring it Home” feature of the system.11-08-2012
20120284174METHOD FOR COMPLETING GIFT GIVING EXPERIENCE OF GIFTED FUNDS - A method for completing gift giving experience of gift funds including receiving a signal for delivery of gift funds from a giver of a specified amount for use by a specified receiver; receiving gift conditions specified by the giver; notifying the receiver of the gift funds and the gift conditions; presenting a template message interface to the receiver, wherein an input field in the template message interface corresponds to gift condition; receiving confirmation of gift conditions satisfied by a purchase by the receiver through the composing of a purchase message; sending the purchase message with at least one indicator of the confirmation of the gift conditions, wherein the purchase message is composed through the template message interface by the receiver and sent to the giver; and transferring gift funds to the receiver upon sending the message and receiving confirmation of the gift conditions.11-08-2012
20130185195Online Group Purchasing System and Method - An online platform provides group purchase of advocacy or other services. In some embodiments, the platform further provides one or more of a social networking address book, a crowd-sourced vote-counting mechanism for legislative issues, and support on target selection, tactic prioritization, fundraising, supporter recruitment, campaign marketing, and content creation and aggregation. According to some embodiments, an online purchasing platform may be realized as a computer-implemented method for funding group purchasing using social media. The method may comprise identifying, using a selection module, a first target item for purchase, soliciting funds online, using a solicitation module, for the purchase of the first target item, accepting, using a collection module, funds online from a plurality of sources, and determining, using the collection module, whether funds accepted online are sufficient to purchase the first target item. In the event sufficient funds have been accepted to purchase the first target item, a purchasing fulfillment module may be utilized to purchase the first target item.07-18-2013
20130185197METHOD AND APPARATUS FOR MANUFACTURER REVENUE SHARING WITH SUPPLIERS BY LICENSING FEATURES TO CUSTOMERS - A method and apparatus for sharing revenue derived from feature licenses and feature license upgrades between suppliers of components and manufacturers of devices using those components is provided. The method and apparatus simplifies the sale of feature licenses permitting expanded capability in the devices.07-18-2013
20130159172ONLINE REMITTANCE SYSTEM AND METHOD USING MOBILE TERMINAL TO PROVIDE TIPPING SERVICE OR SUPPORT SERVICE - The present invention relates to a recognition means for a targeted recipient who will receive payments, and to an online remittance system and method that perform micro-payment by scanning or directly entering the recognition means, so that a predetermined amount of money can be automatically remitted to a targeted tip recipient or a targeted support recipient.06-20-2013
20130159174SYSTEMS, METHODS, AND APPARATUS FOR ENHANCING AND UTILIZING OWED-VALUE ACCOUNTS - Systems, methods, and apparatus for enhancing and utilizing owed-value accounts are provided, including, in accordance with some embodiments, automatically utilizing the remaining balance of an owed-value account to purchase a product or service on behalf of the owner of the owed-value account.06-20-2013
20130159171Money Transfers for Tax Refunds - Tax refunds are provided via a money transfer service. Merely by way of example, a taxpayer (or a tax preparer) might provide to the IRS an account number at a bank, as a target for a direct deposit refund related to a tax return. In an aspect, the account number might have a specific format that informs the bank that the refund is to be processed by the money transfer service, and in another aspect, the account number might include data that identifies the taxpayer to the money transfer service.06-20-2013
20130159173Shared Mobile Payments - Methods and systems are provided for facilitating shared mobile payments. According to an embodiment, a user can initiate a purchase using a mobile device. The mobile device can display a total price for the purchase. The first user can cooperate with one or more second users to share the cost of the purchase. The cooperation can be facilitated via the first and second users' mobile devices.06-20-2013
20130159175PERSON-TO-PERSON PAYMENTS: CONTEXTUAL SPENDING - Receiving at a payment system a request associated with a first party to make a payment to a second party. Recommendations for utilizing the payment are evaluated based on a profile of the second party. The payment and a recommendation for utilization of the payment are sent to the second party. The recommendation that is sent is based on a profile of the second party and may include shopping at a physical store, shopping at an online store, ordering from a catalog, saving in an account, ordering a credit card, ordering a debit card. A transaction fee associated with the payment, and a portion of the fee to be paid by each party is calculated.06-20-2013
20130159170SYSTEM AND METHOD FOR FACILITATING ELECTRONIC FINANCIAL TRANSACTIONS DURING A PHONE CALL - A payment button on a device capable of making telephone calls, such as a mobile phone, allows a payer to electronically transfer money while in a phone call with a payee. The payment button also allows a payee to initiate an electronic payment transaction while in a phone call with a payer. The payment button may be a clickable or tappable virtual button presented on a display of the phone when being used to make or receive a call. The payer or the payee can simply enter a payment amount on the phone to complete an electronic payment transaction. A notification of payment is instantly transmitted to the phones being used for the phone call, so that the parties can safely and conveniently conclude a purchase and/or payment transaction during one phone call.06-20-2013
20130159169SYSTEM, APPARATUS AND METHOD FOR SEGREGATING DATA IN TRANSACTIONS VIA DEDICATED INTERFACE ELEMENTS FOR ISOLATED LOGIC AND REPOSITORIES - Embodiments relate generally to computer software and computing devices, and more particularly, to a system, an apparatus and a method configured to segregate data at an interface of a computing device to facilitate on-line electronic payment transactions. In one embodiment, a method includes presenting fields configured to accept a first type of data and to accept a second type of data for an on-line electronic payment transaction. The method includes generating an initialization signal for transmission to an isolated data management system to initialize a portion of a memory associated with first type of data, responsive to an interaction with a field, receiving data from the field, and generating a save signal to save the data from the field in a portion of the memory. This can be responsive to a second interaction with the field.06-20-2013
20130185199METHODS AND APPARATUS FOR FUNDING TRANSACTIONS USING DEBIT CARDS ISSUED BY ONE INSTITUTION AND FUNDS FROM ACCOUNTS AT OTHER INSTITUTIONS - Methods, apparatus, and systems for funding transactions disclosed herein may operate to configure a plurality of backup funding sources for a primary funding source, and enable a consumer associated with the primary funding source to select at least one backup funding source among the plurality of backup funding sources. A request to fund a transaction associated with the primary funding source may be received, and the transaction may be funded using funds from at least one of the primary funding source and the at least one selected backup funding source.07-18-2013
20130185198Incremental Content Purchase And Management Systems And Methods - Systems and methods for incremental and conditional purchase and management of electronic books. In one embodiment, the incremental content purchase and management system allows downloading of electronic books to client devices with no upfront cost. Electronic books downloaded on a client device are divided into a plurality of segments based on the mode of consumption. User interaction with an electronic book is monitored to detect consumption, and to identify the segment being consumed. When a sufficient amount of electronic book segments is consumed, a charge corresponding the consumed electronic book segments is calculated using a charge model. The ownership of the consumed electronic book segments is then transferred to the user following the payment of the calculated charge.07-18-2013
20130185194Transaction Processing and Remote Activation - Embodiment of the invention extend to a device (which may be considered an asset which is purchased or which provides a service which may be purchased) which can be controlled through the use of a mobile communications device such as a cellular phone. The cellular phone is connected to a transaction processing system which allows the user to pay for the use of the device. The transaction processing system communicates with the device to allow usage of the device only if the user has successfully paid for such use. A further embodiment of the invention relates to collecting usage information of the device and collating this information at a location remote from the device.07-18-2013
20130185196CUSTOMER TOUCH POINT FOR REAL TIME SHARING OF TRANSACTION DATA BETWEEN DIFFERENT CUSTOMER INTERACTION CHANNELS - Techniques and equipment for enabling a cross-channel real time awareness framework for capturing and sharing transaction data in real time for a user via an interface of a channel of an enterprise are disclosed. The captured transaction data are made accessible to other channels of the enterprise for processing transactions initiated by the user via an interface of the one of the other channels.07-18-2013
20130185191SYSTEMS AND METHOD FOR CORRELATING TRANSACTION EVENTS - A method and system for correlating transaction events. Transaction events may be received that identify actions executed at a plurality of different types of source systems. For each transaction event, it may be determined whether or not the transaction event is equivalent to a previous transaction event using an equivalence relationship. The equivalence relationship may define events as being equivalent when each of the events has a subset of parameters that match exactly and a different subset of parameters that match approximately and not exactly. Equivalent transaction events may be correlated.07-18-2013
20130185192TRANSACTION INITIATED AUTOMATIC ENROLLMENT FOR MERCHANT OFFERS - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts are stored in a data store, each consumer account having a first MSISDN as a consumer account identifier. A plurality of merchant accounts are stored in the data store, each having a respective first merchant account identifier. Merchant offers are received and stored within the data store in association with the merchant accounts. A second MSISDN is identified from a charge request and is matched to the first MSISDN to identify respective consumer account. A second merchant account ID is received in the charge request and is matched to one of the first merchant account ID's to identify one of the merchant accounts. A merchant offer of the merchant account is then associated with the consumer account. The charge request also includes an amount that is processed against the selected consumer account.07-18-2013
20130185193FRAUD MINIMIZATION AND ANALYTICS THROUGH GEOSPATIAL COMPARISON OF VEHICLE LOCATION AND TRANSACTION SITUS - A method comprising determining that a transaction associated with a purchase of a fuel of a vehicle equipped with a geospatial positioning device is associated with a unique identifier of a fuel card is disclosed. The method may comprise comparing a present geospatial location of the vehicle with a situs where the transaction associated with the purchase of the fuel of the vehicle is determined when a distance between the vehicle and the situs where the transaction associated with the purchase of the fuel of the vehicle occurs is within a threshold limit. The method may also comprise generating an alert communication to a party based on a transgression of the vehicle from the threshold limit.07-18-2013
20080319898Donation System - A donation system that would encourage registered individuals to make small contributions to a charity or political campaign (or cause of their choice) as well as facilitate the process of doing so. The system provides a central location for all donation activity and works as a “contribution bundler” to empower those otherwise disempowered in the political marketplace. The system also acts as a “Civic Marketplace” that gives citizens a central location to turn to for civic information. The system provides safety features for registered users.12-25-2008
20090055312INTERNET-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
20080235133Native American Land Leasing - The present invention enables a tribe to bring in outsiders to build on its land and gain the benefits therein without losing the rights associated with the land. This enables tribes to expand their land use beyond casinos to create business parks, license banks, etc. Indian reservation can become high growth areas due to their low regulation and tax, becoming like Hong Kong and free trade zones.09-25-2008
20110282781System and Method for Average Daily Balance Optimization for Accelerated Loan Payoff - A system and method for average daily balance optimization forecast for accelerated loan payoff. A computing apparatus configured using computer readable program code enables optimization of an average daily balance using user-specified configuration of dates of income deposits and expense item withdrawals. Based on user-specified line of credit parameters and loan details, the configured computing apparatus can generate a recurring draw threshold and recurring draw amount that can be used by an individual in leveraging a line of credit for accelerated loan payoff.11-17-2011
20110288992Techniques for Progressive Purchasing - Techniques for progressive purchasing of a device are disclosed. In one embodiment, a method for progressive purchasing of a device includes receiving information indicating a payment for a device from a customer, determining a payment pattern by the customer based on a recorded customer payment history and the received information, identifying a functionality to be enabled in the device based on the determined payment pattern, and enabling the identified functionality. The identified functionality is selected from a plurality of functionalities associated with the device.11-24-2011
20110302078MANAGING AN ENERGY TRANSFER BETWEEN A VEHICLE AND AN ENERGY TRANSFER SYSTEM - A method, computer-readable medium, and system for managing a transfer of energy is disclosed.12-08-2011
20110307376DLNA Data Distribution form a Remote Source - Information distribution relates to a DLNA device (12-15-2011
20110307374Account Prediction Tools - A computer-implemented method is described for detecting a change in one or more attributes associated with a consumer of financial services, and generating, based at least in part on the detected change, a prediction that the consumer of financial services is likely to initiate an action with regard to one or more financial accounts associated with the consumer.12-15-2011
20110313916STREAMED CONTENT DISTRIBUTION SERVICE - A content distribution platform (12-22-2011
20110313915COLLECTING AND SHARING REVENUE ASSOCIATED WITH PERSONAL DATA ASSETS - A personal data asset portal or service is provided to collect personal data assets associated with a user. Personal data assets, such as data associated with or generated by interaction a user, may be of interest to third parties such as marketers. Personal data assets may be generated through normal use of personal data generation devices such as mobile phones, navigation systems, personal computers, payment transponders, etc. and through interacting with buildings, vehicles and other elements of a user's environment. Personal data assets may include physical locations visited by the user, virtual locations (Web sites) visited by the user, telephone numbers dialed by the user, payment transactions for the user, etc. Access to personal data assets is selectively provided by the user to the third parties for a fee. Personal data assets may be bundled or aggregated by one or more services; users may be bundled into a group. Advantageously, at least a part of the fee or some benefit or advantage is shared with the user, group or user and group.12-22-2011
20110313914ADJUSTABLE MOUNTING APPARATUS FOR A PERIPHERAL DEVICE OF A SELF-SERVICE RETAIL ITEM CHECKOUT STATION - A self-service retail item checkout station comprises a peripheral device for interacting with a customer while the customer is conducting a self-service retail item checkout transaction at the station. The self-service retail item checkout station further comprises a non-swiveling mounting mechanism including (i) a slidable mounting portion on which the peripheral device is mounted, and (ii) a fixed mounting portion on which the slidable mounting portion is supported for sliding movement between a retracted position in which a customer in a standing position at the station can more easily interact with the peripheral device an extended position in which a customer in a seated position at the station can more easily interact with the peripheral device.12-22-2011
20130191272Systems and Methods for Division and Identification of Financial Transfers - According to the invention, a system for dividing and identifying financial transfers is disclosed. The system may include a server configured to receive an indication that an amount of funds has been received. The server may also be configured to associate, in response, a first identifier with the amount of funds. The server may further be configured to receive a first request to release a first portion of the funds, the first request including the first identifier. The server may additionally be configured to associate a first record of release with the first identifier. The server may moreover be configured to associate, in response to receiving the first request, a second identifier with a second portion of the funds. The server may furthermore be configured to receive a second request to release at least a portion of the second portion of the funds, the second request including the second identifier.07-25-2013
20130191273SYSTEM AND METHOD FOR EXPEDITED RELEASE OF HELD ITEMS - A system for identifying and expediting the release of held items, such as checks. Paying banks (having accounts against which the checks are drawn) provide paid item files to the system, and depository banks (where checks have been deposited) provide held item files to the system. If there is a match of a paid item file and held item file (indicating that a held check has been paid by the paying bank), the depository bank is notified that the item has been paid and that the hold may be released.07-25-2013
20130191274METHOD AND SYSTEM FOR INTEGRATING MARKET CREDIT UNITS (MCUs) TO REAL MONEY - In accordance with an example embodiment a method and system for integrating marketplace credit units (MCUs) to real money is provided. The method includes receiving a first quantity of a first currency. The method further comprises, electronically converting the first quantity to a first set of marketplace credit units (MCUs), the first set having value equivalent to that of the first quantity upon encashment. Further, the method comprises facilitating a transaction using the first set or a portion of the first set in a marketplace.07-25-2013
20130191277Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability.07-25-2013
20130191275METHOD AND SYSTEM FOR PAYMENT BASED ON CORRELATION BETWEEN PRODUCT SPECIFIC INFORMATION AND TERMINAL NUMBERS - The invention provides a method for making payment based on correlation between product specific information and terminal numbers and a system for implementing the method. The method involves providing product specific information representing payment information for goods selected by a user from a web service, dispatching the product specific information for the selected goods to the user, receiving a payment request message containing the product specific information from a terminal device of the user, obtaining the product specific information from the payment request message, obtaining a terminal number associated with the terminal device of the user from a communication network, and providing the correlation information to a payment platform, wherein the terminal number represents identification information of the user and may be used by the payment platform for search for an account of the user, and the product specific information may be used by the payment platform to deduct payment from the account of the user. By obtaining terminal number from the communication network and correlating the terminal number with product specific information, the invention allows a user to perform a one-click payment, thereby simplifying payment procedures involved in web services.07-25-2013
20130191276MEDIA CONTENT SELECTION SYSTEM AND METHODOLOGY - A method, system, and computer program product provide a methodology for selecting media content. Pick percentages for how often each of two or more selection methodologies are used to select the media content are established. A request for media content is received. Based on the pick percentages, one of the two or more selection methodologies is selected to select media content. The selected media content is then played.07-25-2013
20130191271Management System for the Protection of Mortgage Equity - A computer system for managing mortgages of mortgage holders with a no foreclosure rule interconnected to funding institutions maintained as a club. The system has input devices capable of receiving data from the mortgage funding institution or mortgage originator. The home owner club agrees to assume responsibility for providing financing agreements with a foreclosure clause. A processor calculates values and maintains up to date information as a function of the probability of property values change and the payments on mortgage obligations. A memory has a database storing data relating to mortgages and club members, pools of properties of club members and financial data. An output device produces commitment for club members (assumes obligation for providing security and solutions, and in case of difficulties for members,maintains mortgage payments) and funding institution assumes obligations. Members may be reimbursed equity positions upon relinquishment of a mortgage obligation.07-25-2013
20110320346COMPUTERIZED SYSTEM AND METHOD FOR PROVIDING A MARKET STABILIZED INVESTMENT PRODUCT - The present invention provides a method and system for providing a market stabilized financial vehicle. The method and system includes calculating a growth cap rate and loss protection rate associated with a market stabilized financial vehicle, wherein the growth cap rate and loss protection rate are linked to an indexed market. The method and system further comprises transferring a plurality of funds to a segment account associated with the market stabilized financial vehicle and associating, on a point-to-point basis, a percentage change in the index based security with a maturity value of the financial vehicle, wherein the associating a percentage change occurs between the growth cap rate and loss protection rate. The method and system further comprises applying the index linked percentage change and determining a maturity value of the segment account.12-29-2011
20120290469System and method for assigning an initial transaction fee tier to a vendor in a payment system with a variable transaction fee - A system for making payments from each payer of a community of payers to each vendor of a community of vendors assesses a variable transaction fee to each vendor. The system comprises a database which associates, for each payer, identification a selected rate tier assigned to each vendor. A rate tier assignment application determines an initial rate tier to assign to a vendor by: i) determining an industry sensitivity score, the industry sensitivity score being representative of how sensitive a typical vendor in the same type of business as the vendor is to payment of transaction fees; ii) determining a payer centric spend score; iii) determining a payer centric frequency score; iv) determining a network spend score; and iv) determining a network frequency score. These scores are used to determine an initial rate tier to associate with the vendor. A payment application, when making payment from the payer to the vendor, determines a transaction fee to apply to the payment, the transaction fee being a product of the amount of the payment and the transaction rate associated with the selected rate tier.11-15-2012
20120005085TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.01-05-2012
20120023012System and Method for Registering an EDI Participant Identifier and Managing EDI Trading Partners - An EDI (Electronic Data Interchange) participant registry system provides a database connected to a computer network which permits access to an authoritative repository of records relating to the EDI communication. Participant may subscribe to publish their EDI related information's to existing or potential trading partners. The system provides participant with an interface so that each participant can subscribe and maintain is information as well as build is own trading partner list using other participant records. As all participant are responsible to maintain there information on the system, the trading partner list provides continuously valid data to facilitate business-to-business EDI communication.01-26-2012
20120023008N TO N MONEY TRANSFERS - Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied.01-26-2012
20120030097Apparatus and Method for Valuing Articles - Embodiments of the present invention provide apparatus for automatic valuation of articles. The apparatus may comprise an article receiving device arranged to receive an article therein; and an article assessment device arranged to determine the presence of a prescribed one or more materials in said article along with the quantity thereof, the article assessment device being arranged to determine a value of the one or more materials present in the article based on a stored amount of the value of a given quantity of each of said one or more materials, and the quantity of the one or more materials present in the article as determined by the article assessment device, and to output to the user the value of said article based on the value of the one or more materials and/or output to the user the value of the one or more materials.02-02-2012
20120030096METHOD FOR TRANSMITTING A CODE - The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit 02-02-2012
20120030095LOAN MANAGEMENT TOOL - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a HELOC account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower, segmenting the loan account into one or more spend categories, and allocating purchases and payments, or portions thereof, made by the borrower to at least one of the one or more spend categories. In addition, the method may further include receiving from the borrower an input and calculating, based on the input, an output, wherein the output comprises at least one of the anticipated payoff date, the monthly payment amount, and the total saved interest.02-02-2012
20120030094DESIGN, DEPLOYMENT, AND USE OF AN AUTOMATED FLOW-MODEL-VIEW-CONTROLLER WORKFLOW - A system includes a storage device to store design elements for a workflow design that, when deployed to a network, create a workflow that permits products or services to be purchased via an electronic transaction with a user device. The design elements correspond to a group of stages that process the electronic transaction or to workflow logic that establishes conditions to transfer the electronic transaction between the stages. Each stage includes business logic, separate from the workflow logic, that permits changes to be made to a stage in a manner that does not interrupt the workflow operation. The system also includes a server device to receive a request to deploy the workflow design; deploy the design elements to create the workflow; and conduct the electronic transaction by transferring the electronic transaction between an initiation stage and another stage based on workflow logic associated with the initiation stage and information regarding operations performed by the initiation stage.02-02-2012
20130198060SYSTEM AND METHOD FOR HANDLING COLLECT ON DELIVERY TRANSACTIONS - A system and method for processing collect on delivery transactions are disclosed. The method includes defining, by a computer, a tracking code including a service type code for a collect on delivery service; scanning, using a scanning device, the tracking code on a shipping label of a mail item, the tracking code including the service type code; inputting into the scanning device delivery data including the amount of funds collected and the type of funds collected, if the service type code corresponds to the collect on delivery service; and transferring the delivery data from the scanning device to a postal tracking system computer. A method and system of centralizing payments from a Postal authority to merchants using the collect on delivery service are also disclosed.08-01-2013
20130198062VALUE DETERMINATION FOR MOBILE TRANSACTIONS - Various embodiments provide techniques for determining a value share of a mobile transaction for one or more entities associated with the mobile transaction. Examples of mobile transactions include purchases of content such as applications, games, video, audio, graphics, and so on. In one or more embodiments, value share rules can be created and reconfigured. The value share rules specify a share of a transaction value (e.g., a percentage of revenue generated from a purchase of content) that an entity involved in a particular mobile transaction is credited with. In one example scenario, a user of a mobile device purchases an application for the mobile device. A value share rule can be applied to the application purchase amount to determine a share of the application purchase amount that is to be credited to a mobile operator that provides service for the mobile device.08-01-2013
20130198063SYSTEM AND METHOD TO FACILITATE FUND TRANSFER BETWEEN ONLINE POKER GAMING SITES - A system and method to facilitate the transfer of monetary balances from a first predetermined location where a user holds a personal account to a second predetermined location, unrelated to the first predetermined location, where a user holds a separate personal account.08-01-2013
20130198064Method and System for Administering Banking and Personal Savings Using a Mobile Computing Device - A system and method enables a user to determine a financial benefit from making at least one small sacrifice if the monetary value of the at least one small sacrifice were to be saved in a destination account, or directed to make a particular investment or to reduce a particular debt. The method and system provides the user with a forecasted short-tem and/or long-tem outcome should the at least one small sacrifice be made. When the user chooses to apply the monetary equivalent of at least one small sacrifice to a destination account, the system can then facilitate a secure financial transaction with their bank's server. This transaction deducts the amount, or series of amounts, from the user's chosen source account, typically a checking account, and applies the savings amount to the user's chosen destination account, e.g., a mortgage account or a savings account.08-01-2013
20130198061INTERNETWORKING BETWEEN P2P NETWORKS - A method and apparatus for internetworking multiple person-to-person (P2P) payment networks and financial institutions is disclosed. Embodiments include receiving a request to send funds from a payor, the request containing one of the payee's email address and mobile phone number; determining whether the payee is registered with a network financial institution that is within a P2P network of the payer (the originating P2P network), wherein determining includes matching one of the payee's email address and mobile phone number; if the payee is registered within the originating P2P network financial institution, transferring the funds to the payee account at the network financial institution and notifying the payee and posting the transaction on the network financial institution web site; and if the payee is not registered within the originating P2P network determining whether the payee is registered with any second payment network connected to the internetwork payment hub with which the originating network is connected wherein determining includes matching one of the email or mobile phone number of the payee specified by the payor.08-01-2013
20130198058MUTIPLEXING SYSTEM FOR A FUEL TRANSACTION ENVIRONMENT - The present invention relates to a system in fuel dispensing control such as gasoline pumps wherein a four wire data system is operated utilizing two wires and a multiplexing system.08-01-2013
20130198059METHOD AND APPARATUS FOR CONFIRMING A TRANSACTION - A method and apparatus that improves treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments made via a wire transfer may be sent to a payee. A reference number from the wire transfer may be included in the confirmation. The reference number may permit tracking of the payment by the payee. Likewise, supplemental wire transfer information may be provided to a general ledger system to improve reconciliation of payments and invoices.08-01-2013
20130204776E-commerce Payment and Delivery System and Method - An e-commerce payment and delivery system comprising a combination of electronic components, proprietary software, banking services and a cartage company. Buyer and seller fill out a registration form and create their own electronic accounts on the web portal via their own personal computer or a kiosk. When the buyer finds something he/she wishes to buy, the buyer accesses his/her account and creates a transaction record, with the pertinent sale information, and sends the transaction record to the seller. The seller verifies that the transaction record is accurate and the buyer must fund his/her own account. The buyer's deposit is transferred from the buyer's account into an electronic bank accessible to the cartage vendor. The seller presents the goods and transaction card to the cartage vendor and the teller processes the goods for shipping, verifying that the goods being shipped are the goods buyer ordered.08-08-2013
20130204779Monetizing a social networking website - A method enabling social networking website providers to monetize a social networking website, comprising charging users for posting content per posting action. A social networking website graphical user interface component comprising an indicator, wherein a user's indicator displays a balance of funds in an account held by the user on the social networking website, wherein the user's indicator decrements proportionately whenever the user's account is debited, wherein the user's indicator increments proportionately whenever the user's account is credited.08-08-2013
20130204777Logistics Methods for Portable, Mobile Processing of Lottery and Contest Tickets - A method for portable lottery ticket sales and redemptions by mobile vendors is provided wherein the vendor have an existing credit or debit card processing interchange. The vendor is provided with a portable local processor having a memory, and with a local printer connected to the local processor. The local processor is in wireless communication with a network. A bank identification number (BIN) is assigned to lottery tickets sold or redeemed by the vendor that is unique to lottery tickets in the vendor's existing credit or debit card processing interchange. The unique lottery BIN is also associated with a lottery data blob provided on the lottery ticket. The BIN and lottery data blob are entered into the vendor's existing credit or debit card barcode protocol to initiate transfer of the lottery data to a lottery central site via the interchange, wherein a processor within the interchange recognizes the unique lottery BIN and initiates special routing to and further processing of the lottery data at the lottery central site outside of the interchange's debit or credit card data transfer and processing procedures.08-08-2013
20130204775METHODS AND APPARATUS FOR VALIDATING FILES FOR AN ELECTRONIC PAYMENT SYSTEM - A method and apparatus that validates source files for processing by a payment clearing system. Source files may include one or more electronic payment instructions may be provided by a customer. The source file may be pre-processed to remove extraneous data. Next, records in the source file may be validated. The validated may be mapped into payments fields. The normalized payment fields may be normalized into an abstract form or a format agnostic form. The normalized form of the source file information may be validated for processing by a payment clearing system. If the source file information is valid, the valid information may be used request a transfer by the payment clearing system. Finally, one or more reports describing validation results, indicting a correct source file or acknowledgment of a successful transfer may be sent to the customer. Various levels of detail may be included in the report(s).08-08-2013
20120084201Method and System for Transferring Electronic Funds - A method and system for transferring electronic funds over the Internet wherein a sender provides payment information to a transfer processing system. The sender may choose from a plurality of types of funds transfer. The transfer processing system sends an electronic payment message to a recipient indicating the transfer of funds and a transfer message to a financial institution providing instructions to debit the sender's account and make those funds available to the recipient. If the recipient has an account with a financial institution that is affiliated with the transfer processing system of the present invention, the funds are credited to the recipient's account wherein the payment message serves as a confirmation message. If the recipient does not have such an account, the recipient may access the transfer processing system to access the funds made available by the system wherein the payment message serves as a payment availability message.04-05-2012
20120084199AUTOMATIC FORM FILLING - A user, such as a merchant, populates a form, such as an on-boarding form from a payment provider, with information unique to the user. In one embodiment, the user enters a URL address. The information is communicated to the payment provider, who then obtains additional information about the user based on the information. In one embodiment, web scraping results in a name, address, a phone number, and/or an email address for the user. The form is populated with this information by the payment provider and returned to the user for confirmation or correction. As a result, the form filling is easier for the user.04-05-2012
20130212003MOBILE MONEY ORDER - A method to track a money order transaction, including receiving, from a mobile device, a request to send the money order to a recipient, initiating, by a computer server in response to the request, a first transaction to transfer a money order amount from a funding account of the payer to a third party account held at a bank, initiating, in response to completing the first transaction, a second transaction to generate the money order by the bank, receiving, from the bank, an indication that the money order amount is paid out by the bank as a result of the recipient cashing the money order, and sending, in response to the indication, a message alerting the payer that the recipient has cashed the money order.08-15-2013
20130212005SOLAR LIGHTING WITH PAY-AS-YOU GO TECHNOLOGY - Disclosed are devices and methods for providing solar lighting and power to a consumer using pay-as-you-go technology. The pay-as-you-go technology allows for a user to pay for home power and lighting on an incremental basis as they use the device. The payments are made using a user's cell phone. A pay-as-you-go lighting apparatus may include a lighting module configured to provide lighting to a customer when activated, and a control system including a processor and a memory configured to monitor usage of the lighting apparatus, track remaining usage credits, and disable the lighting apparatus when there are no remaining usage credits.08-15-2013
20130212007TOKENIZATION IN PAYMENT ENVIRONMENTS - Data can be protected in mobile and payment environments through various tokenization operations. A mobile device can tokenize communication data based on device information and session information associated with the mobile device. A payment terminal can tokenize payment information received at the payment terminal during a transaction based on transaction information associated with the transaction. Payment data tokenized first a first set of token tables and according to a first set of tokenization parameters by a first payment entity can be detokenized or re-tokenized with a second set of token tables and according to a second set of tokenization parameters. Payment information can be tokenized and sent to a mobile device as a token card based on one or more selected use rules, and a user can request a transaction based on the token card. The transaction can be authorized if the transaction satisfies the selected use rules.08-15-2013
20130212006FRAUD DETECTION SYSTEM AUTOMATIC RULE MANIPULATOR - Embodiments of the invention are directed to a fraud detection system that automatically converts the currency and value of received transaction data to correspond to the currency in fraud detection rules established by a merchant. The converted transaction data is then analyzed against the fraud detection rules to determine whether the transaction data indicates fraudulent activity.08-15-2013
20130212004CUSTOMIZED TRANSACTION FLOW FOR MULTIPLE TRANSACTION TYPES USING ENCODED IMAGE REPRESENTATION OF TRANSACTION INFORMATION - The system includes receiving transaction information of the transaction including merchant identification information, consumer identification information and a transaction identifier associated with a barcode. The system also accesses a database of profile data using the merchant identification information to determine a transaction type of the transaction. The system also sends output data via the communications network by using workflow instructions associated with the transaction type, the output data for consumption by a consumer device of the consumer. The system also receives input data from the consumer device and includes the input data with the transaction information to generate a transaction request. The system can also send the transaction request via the communications network to a merchant interface of the merchant to complete the transaction with the merchant.08-15-2013
20130212008FUNDS NETWORK AND METHOD - In a method of providing funds to a monetary repository, information is received identifying a payee and request by the payee to convert a negotiable instrument made to the payee to funds. In response to the information, confirmation is received whether to convert the negotiable instrument to funds. An image of the endorsed negotiable instrument is received. If a determination is made to convert the negotiable instrument to funds, an amount of funds corresponding to a value of the negotiable instrument is directed to a repository.08-15-2013
20130212009System and Method for Assisting Vendors - A service system for facilitating payment to a vendor of products over a network. The products are supplied to a buyer. The system includes an invoice having a base invoice amount with an amount of penalty funds calculated from the base invoice amount when the invoice is not paid in a timely manner. An application is submitted to an investor via the network for enrolling the vendor in the service system. At least one installment is disbursed from the buyer and received by the investor over the network. At least one payment is disbursed from the investor and received by the vendor over the network wherein the payment is equal to the base invoice amount thereby allowing the vendor to receive 100% of said base invoice amount. The investor is compensated with the difference between interest on a loan to pay the vendor and later receipt of the penalty funds.08-15-2013