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Remote banking (e.g., home banking)

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)

705039000 - Including funds transfer or credit transaction

Patent class list (only not empty are listed)

Deeper subclasses:

Class / Patent application numberDescriptionNumber of patent applications / Date published
705043000 Including Automatic Teller Machine (i.e., ATM) 132
Entries
DocumentTitleDate
20090037332Systems and Methods for Processing Banking Transactions - A system and method for providing an efficient and robust interface that allows banking transactions to be processed by an online banking system and third party accounting software packages via a single user point of entry. The system is configured to receive a transaction request from a third party accounting software, the transaction request including one or more transactions; verify, based on information stored in a first database, that the transaction request is from a valid source; store information regarding the one or more transactions from the transaction request in a second database; process the one or more transactions; and provide a response to the third party accounting software indicating a status of at least one transaction in the transaction request.02-05-2009
20090192937TWO STEP NEAR FIELD COMMUNICATION TRANSACTIONS - A two step method for transferring money from a sender to a recipient includes entering information relating to the transfer into a near field communication (NFC) enabled device of the sender. The device is then placed in contact with or close proximity to a recipient's device a first time, causing the sender's device to establish an NFC link between the two devices and to gather information relating to the recipient via the NFC link. The sender's device is then placed in contact with or close proximity to the recipient's device a second time, causing it to transmit the information relating to the transfer and the recipient to a third party service provider via another network, e.g., the Internet, thereby causing the service provider to transfer the money from an account of the sender to an account of the recipient.07-30-2009
20100082483Automatic Generation of Change Orders - In operating a cash handling device at a client site, a method for automatically generating change orders may be performed. The cash handling device may determine an amount of currency available at the device. The device may then determine whether there is a shortage of currency of one or more denominations. If there is a shortage, the cash handling device may automatically generate a change order to request additional currency from a financial institution. The request may trigger debiting of one or more accounts of a user or entity associated the device and the financial institution. The cash handling device may subsequently receive the requested currency.04-01-2010
20100076889METHOD FOR RETAIL ON-LINE ACCOUNT OPENING WITH EARLY WARNING METHODOLOGY - A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes an early warning evaluation of the customer and/or entities associated with the customer to identify fraudster/abusers and prevent them from opening online accounts at the financial institution.03-25-2010
20120246070SYSTEM AND METHOD TO ALLOW ACCESS TO A VALUE HOLDING ACCOUNT - Example systems and methods that allow access to a value holding account are described. In one implementation, a method receives a first request for a second account code after activation of a selector on an account access object associated with a value holding account. The second account access code is associated with a first account access code that is associated with the value holding account. The first account code allows access to the value holding account for a first determinable period. The method generates a second request for the second account code and communicates the second request to the value holding account. The second account code is received from the value holding account and allows access to the value holding account for a second determinable period that differs from the first determinable period. The method provides the second account code to a user of the account access object.09-27-2012
20090043704Methods, systems, and computer program products for performing message deposit transaction screening - The subject matter described herein includes methods, systems, and computer program products for performing message deposit transaction screening. One method includes receiving a call setup signaling message for a call for which a message deposit transaction is indicated and determining a message deposit transaction parameter associated with the message deposit transaction based on the signaling message. At least one message deposit transaction screening criterion is determined for the message deposit transaction based on the at least one message deposit transaction parameter. A message deposit transaction screening action is performed based on application of the screening criterion to the message deposit transaction parameter.02-12-2009
20130036049DISTRIBUTED TRANSACTION SYSTEM - A distributed transaction system for enabling users to conduct transactions using services from third party service providers includes a central processing center with one or more communications interfaces to facilitate transactions initiated by users at a plurality of kiosks wherein each of the kiosks includes a user interface enabling a user to access a user selected service and a data store for storing configurations associated with services provided by the third party service providers, whereby a user interfaces with one or more of physical system resources of the kiosk to open a user identity session such that the kiosk is operative to facilitate at least one first user action with the physical resources to initiate a financial transaction and the central processing center is operative to execute at least a second action to facilitate the transaction and to communicate with a financial institution.02-07-2013
20130212015AVAILABLE BALANCE ENHANCEMENT - In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking account, where the second information indicates that the available balance is not based on the second transaction.08-15-2013
20130041819SYSTEMS, DEVICES AND METHODS FOR MANAGING CASH FLOW - Systems, methods, and devices for managing cash flow and spending are disclosed. Such systems, methods, and devices may include generating a preliminary budget based on user input of planned or historical spending of the user. These user inputs are interfaced into a computer server, the budget having one or more budget items. Further, individual preliminary budget items are aggregated and consolidated into a small number of allocation allotments based on inherent timing and mode of payment for each of the expenses. Further such systems, methods and devices may cause to generate one or more financial accounts and a cash flow mechanism to facilitate the flow of funds coupling available funds with the planned allocation allotments. Feedback from user and/or financial institutions provide critical information to track the balance of allocation allotments in real time to chronological targets helping users better and more consistently manage spending behaviors over the budget cycle.02-14-2013
20130041818PROCESSING ON-LINE ACCOUNT REQUESTS - A request to perform an action is processed using an on-line account management system. A request is received from a first user to perform a first action associated with an account using an on-line account management system. A user database is accessed to determine a tier associated with the first user, wherein a first tier is associated with a low risk and a second tier is associated with a high risk. A processor determines whether to apply a rule in a rules database based on the first action and the tier. If the rule is applied, the processor determines whether to permit the first action according to the rule.02-14-2013
20100042542SYSTEM AND METHOD FOR RETAIL ON-LINE ACCOUNT OPENING - A system and method for a retail customer interfacing with a financial institution through a computer network is presented. The method includes a verification of customer-provided information with a pre-existing client identification profile for the customer, a determination of the customer's credit score using a set of predetermined criteria, and presenting a set of account options based at least in part on the verification of the customer-provided information and the customer's credit score. Additional customer-provided information may be received and verified and used to enroll the customer in one or more programs offered by the financial institution at a predefined level based at least on one or more predetermined factors.02-18-2010
20100042541FINANCIAL TRANSACTION SERVICE SYSTEM AND METHOD - A system and method for providing financial transaction service provides feedback service to a user in real time through SMS/ACS/CRM center, automatically classified according to approval rejection type, when financial service transaction is rejected or financial service is stopped halfway for an arbitrary reason while the user is provided with financial service such as cash service or card loan service through a web, ATM, ARC or mobile device such that the user can re-use the financial service. When a user who wants to use financial service such as cash service or card loan service through ATM, ARS or mobile device cannot use desired financial service because of excess of cap, personal identification number error, rejection of transfer or stopping use of financial service halfway, it is determined whether the user corresponds to re-transaction rejection condition designated by a financial institution and provides the desired financial service to the user.02-18-2010
20090157546Person to person virtual cash transfer transaction using mobile phones - A person to person cash transfer transaction method using mobile phones comprising the steps of: -sender sends a transfer command to the recipient containing the transfer amount, sender's PIN and the recipient's mobile number; -telco verifies if the sender's mobile phone cash account has sufficient balance to effect the transfer of the amount of virtual cash being transferred; -telco deducts the sender's mobile phone cash account with the amount of virtual cash to e transferred and credits the same amount of recipient's mobile phone cash account; -sender and recipient receive SMS acknowledgment with confirmation number from telco; -recipient if registered may not use the virtual cash for any financial transaction.06-18-2009
20100106644System and Method for Authorizing Transactions Via Mobile Devices - A system and method for authorizing transfers via mobile devices are provided. The system includes a first mobile device and a server. The first mobile device executes a transfer authorization application that allows a user to enter transfer information for a transfer. In response, the transfer authorization application generates and communicates a transfer request for the transfer. The transfer information includes an identifier associated with a recipient and a transfer amount. The server has a data store storing account details for a first account of the user. The server receives the transfer request from the mobile device, verifies that the user has resources in the first account for the transfer request, and sends a notification to a second mobile device associated with the identifier of the recipient. The server then transfers the transfer value from the first account to a second account of the recipient.04-29-2010
20120185387SYSTEM AND METHOD FOR COMPOSITING ITEMS AND AUTHORIZING TRANSACTIONS - A method of executing an electronic financial transaction involving two parties providing information for generating a transaction document and authorizing the document to execute the transaction. The method contemplates the maker electronically transmitting a data record representative of the financial transaction directly to a payee, such as by email. The payee can then convert the data record into a transaction acceptable to a bank of first deposit, such as by printing or imaging the data record into a form acceptable to the bank, such as a standard paper check.07-19-2012
20120185386AUTHENTICATION TOOL - An electronic funds transfer authentication system and method facilitates the verification and authentication of a user and if authenticated allows the user to perform an action in an online system, such as an electronic funds transfer. The user-entered data is validated, and then the action (e.g., electronic funds transfer) is validated using credit/debit card information. Using a unique combination of security measures and procedures, the risk associated with various types of action and fund transfers is reduced, thereby enabling a financial institution to protect its customers' accounts with a greater degree of certainty.07-19-2012
20130046689System and Method for Facilitating Transactions - A system includes a memory for storing user account information and mobile device information; and a processor. The processor receives a request for a transaction. The request includes a user identifier, a transaction amount, and a transaction recipient identifier. The processor further generates a transaction code. The processor further communicates the transaction code to a user device. The processor further receives, from a mobile device, a transaction confirmation message, wherein the user device and the mobile device are separate devices. The transaction confirmation message includes a confirmation of the request for the transaction and a unique identifier of the mobile device. The processor further compares the unique identifier of the mobile device with the stored mobile device information. In response to a determination that the unique identifier of the mobile device matches the stored mobile device information, the processor further allows the transaction to occur.02-21-2013
20090043705SYSTEMS AND METHODS FOR FACILITATING TRANSACTIONS - 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.02-12-2009
20130060689ELECTRONIC MONEY TRANSFER SERVICE - Techniques for efficient transfer of funds between parties using personal communication devices are presented. A first user can use a first communication device to transfer funds from an account associated with the first user to a second user via a communication address associated with the second user's second communication device even if the second user is not registered with a financial service provider associated with the account of the first user. The funds can be sent from the first communication device using the Internet, mobile communication systems, or other communication technology via a message, an email, a voice mail, etc., to the second user, wherein notification of the funds can be sent to the second communication device. The first user can send funds using an account with the financial service provider or an affiliated account, and the second user can have the funds deposited into a desired account.03-07-2013
20130066777SYSTEM AND METHOD OF CERTIFYING A CHECK - A system and method of certifying a check which involves a captured image of the check. An example method includes receiving by a first computer a request from a second computer to certify a check from a payer to a payee, the check serving to withdraw funds from an account of the payer, receiving by the first computer an image file containing an image of the check from the second computer, obtaining an account number and an amount from the image file by the first computer, determining using the account number whether funds equal to the amount are in the account, and when funds equal to the amount are in the account, putting a hold on the funds equal to the amount and issuing a certification number and a password by the first computer.03-14-2013
20120116969Interactive Bill Payment Center - A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link, an interactive calendar link, a plurality of interactive drop-down menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface.05-10-2012
20120116967Mobile payment system and method - System, method, and computer program product are provided for a user to send and receive P2P payments using a mobile device. Through the use of the mobile device, a user may access his/her accounts at a financial institution and direct payments to a third-party using an alias. The user may ensure a secure payment to a third-party through the network associated with a financial institution. Payments may be directed to individuals the user may input into the system by providing the individual's alias. An alias may be a unique identifier of an individual and tied to a financial account of that individual. The sender of the P2P payments may input the recipient's alias and transfer funds via the P2P payment system without having to input the recipient's account information. This invention allows a user to receive and provide payments for transactions utilizing the convenience of a mobile device.05-10-2012
20120265678SOCIAL NETWORK PAYMENT SETTLEMENT SYSTEM - A method for effecting transfer of a payment amount to a merchant during a transaction between a customer and the merchant includes determining, using a processing device, a funds shortfall, accessing a funds sharing network comprising a plurality of users, identifying one or more of the users of the funds sharing network, requesting funds from the identified one or more users, and applying funds received from the one or more users to the funds shortfall. In some embodiments, identifying one or more of the users includes determining whether one or more of the users are indebted to the customer, determining levels of connection between two or more of the users and the customer, and developing a hierarchy of users based on the indebted users and the levels of connection.10-18-2012
20130024374METHOD AND APPARATUS FOR SECURE ACCESS PAYMENT AND IDENTIFICATION - According to one aspect, the invention provides a system for authenticating identities of a plurality of users. In one embodiment, the system includes a first handheld device including a wireless transceiver which is configured to transmit authentication information, a second device including a wireless receiver, where the second device is configured to receive the authentication information.01-24-2013
20130024373MULTI-STAGE FILTERING FOR FRAUD DETECTION WITH ACCOUNT EVENT DATA FILTERS - A multi-stage filtering process and system for fraud detection is disclosed. The process includes one or more preliminary filtration stages followed by one or more additional filtration stages that provide for enhanced screening for fraudulent activity. In one such embodiment the preliminary filtration provides for evaluating financial transactions based on financial transaction attribute data and secondary filtration provides for further evaluating the financial transactions based on a customer's account event data. Over a plurality of transactions, a portion of the transactions are cleared for processing (e.g., deemed not likely fraudulent or of too low value to continue processing) after each filtration stage. As such, acceptable transactions are not unnecessarily scrutinized. In specific embodiments, filtration is based on financial transaction data and account event data.01-24-2013
20110282786APPARATUS AND METHODS FOR PROVIDING A PAYMENT SYSTEM OVER A NETWORK - Apparatus and methods provide an accumulator that processes electronic payments from an employer to a recipient via a network. The payments processed may be, for example, child support payments collected from an employee by the employer. The employer may submit one transaction made up of payments collected from multiple employees bound for multiple recipients and the accumulator may receive, translate, batch, and deliver the payments to the multiple recipients. The accumulator, employers, and recipients may communicate via a network such as the Internet.11-17-2011
20110282785GESTURE BASED AUTHENTICATION FOR WIRELESS PAYMENT BY A MOBILE ELECTRONIC DEVICE - A method of gesture based authentication for wireless payment by a mobile electronic device is disclosed. In one aspect, the method includes determining that an applied gesture above a touch receptive area of a target device is associated with a user-defined payment gesture stored locally within the mobile electronic device. The method may include comparing the applied gesture above the touch receptive input area of a mobile electronic device with a user-defined payment gesture stored locally within the mobile electronic device. If the applied gesture above the touch receptive input area of a mobile electronic device matches the user-defined payment gesture stored locally within the mobile electronic device, the method includes permitting the wireless transfer of protected payment data resident on the mobile electronic device to an external reader using near-field communication technology.11-17-2011
20130091056SYSTEM AND METHOD FOR MAINTAINING AND CUSTOMIZING USER ACCOUNTS - A system provides for a customer to maintain and customize a user account with a banking institution. A server maintains pre-established packages providing a group of services and applications providing a specific service. The server also maintains user accounts, each associated with a particular customer and with one or more services. The server processes requests to designate and customize packages and applications associated with a customer account. Graphical user interfaces (GUIs) are provided that allow for the customer to build, customize, and view the customer account. A selection GUI includes service icons associated with respective services and selectable by a customer to associate the respective services with the customer account. A customization GUI includes service windows that correspond to respective service icons, that include an overview summary of the respective services, and that are selectable to view and edit features of the respective services.04-11-2013
20120290476ONLINE INFORMATION INPUT AND FINANCIAL TRANSACTION SYSTEM USING THE PERSONAL IDENTIFICATION MEDIA, METHODS TO INPUT INFORMATION ONLINE AND CONDUCT FINANCIAL TRANSACTIONS, AND THE STORING MEDIA THAT STORES THE PROGRAMS FOR THE SYSTEM - This invention is related to the online information input and financial transaction system using the personal identification media, which is intended to facilitate the information input process by utilizing the personal information registered with the personal information management institutions in signing up to be a member of, or logging in to, websites, and the methods to input information online and conduct financial transactions. In this invention, we intended the process of membership joining or logging-in to websites to be completed through transmitting the personal identification data read by the media reader to the personal information management institutions and then receiving the member's personal information or the personal authentication services, and also helped minimize the user's information input by integrating the log-in and payment processes. This invention has merits in that it facilitates the membership-joining, log-in and payment processes, and the amount of the information the user has to input is minimized.11-15-2012
20110295746PAYMENT IDENTIFICATION CODE AND PAYMENT SYSTEM USING THE SAME - A method comprises receiving a payment instruction including a payment system routing number and a unique code associated with a payee, and employing the routing number to determine whether it includes routing information for a specific financial institution. If so, then the payment instruction is transmitted based on the routing number. The transmitted payment instruction includes the unique code associated with the payee. If the routing number is determined to not include routing information for a specific financial institution, then account identification information of the payee and a first system routing number are retrieved based on the unique code, and the unique code included in the payment instruction is replaced with the retrieved account identification information, and the routing number is replaced with the retrieved first system routing number. The payment instruction with the account identification information is transmitted to the payee and/or a financial institution associated with the payee.12-01-2011
20110295747SYSTEM FOR REMOTELY MANAGING AN ONGOING FINANCIAL TRANSACTION - The system for remotely managing an ongoing financial transaction providing the necessary comfort and speed for the customer, enabling a reactive or passive operations action from a registered remote customer, the customer requested to authorize or refuse a financial transaction request being processed.12-01-2011
20110295745SYSTEMS AND METHODS FOR APPENDING SUPPLEMENTAL PAYMENT DATA TO A TRANSACTION MESSAGE - A managing platform for appending supplemental payment data to a transaction message receives a transaction message representative of a credit card transaction from a merchant or an associated financial institution. The managing platform uses the transaction data contained in the transaction message and other information to determine whether the transaction satisfies one or more payment rules previously established by the cardholder. If the transaction satisfies a payment rule, the managing platform appends supplemental payment data to the transaction message in a format specified by a financial institution associated with the cardholder. The supplemental payment data includes information identifying a secondary payment account associated with the satisfied payment rule. The managing platform subsequently transmits the appended transaction message to the financial institution associated with the cardholder.12-01-2011
20120066124MONEY TRANSFER SERVICE WITH AUTHENTICATION - A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the transaction. An authentication window appears displaying the sender's transaction details and the sender is prompted to enter his or her password. Upon successful authentication, the bank seeks authorization from the card issuer. Upon successful authorization, the bank credits the recipient's local bank account or existing payment card. The recipient can also receive a check, a draft, a prepaid card or cash. The money transfer service is used both cross-border and domestic to effect person-to-person money transfer. The money transfer service uses the “Verified by Visa” authentication service and VisaNet for authorization. Messages over VisaNet are used to deliver funds to a recipient.03-15-2012
20100106643METHOD AND SYSTEM FOR PERFORMING A MONETARY TRANSACTION THROUGH A MOBILE COMMUNICATION DEVICE - The invention provides a method and a system for performing a monetary transaction through a mobile communication device. The monetary transaction is performed through a Paymate. The transaction details of the monetary transaction are initially communicated to the Paymate, which confirms the transaction details with a payer through the mobile communication device. The Paymate authenticates the payer for the monetary transaction and communicates a transaction request to the payer's account. The transaction request is verified and executed at the payer's account, to complete the monetary transaction.04-29-2010
20090164371Mobile Financial Transaction Method - A method for conducting financial transactions via the use of a cellular phone or similar mobile portable electronic device without any necessary physical connection or data connection to banking institutions.06-25-2009
20080319902Method and Apparatus for Facilitating a Secure Transaction - A method and apparatus for facilitating a secure transaction via a computer network. It is known for fraudsters to carry out “man-in-the-middle” attacks utilizing malicious software which diverts communications or corrupts communication between users and a financial institution computer, in order for the fraudster to modify the transaction. A secure object is generated which includes a security identifier and a transaction identifier. In an embodiment, the secure object is an image, and the secure identifier can not be detected by the man-in-the-middle computer. The transaction only proceeds when user enters the secure identifier.12-25-2008
20120036070MODULAR TRANSACTIONAL BANKING PLATFORM - A modular transactional banking platform is disclosed that separates the chassis of the account from all of the remaining optional package features, allowing users to select and customize the various components they wish to package into their account. The banking platform is constructed using a modular one-to-many approach that separates the “chassis” from the “features” in a manner that enables customers (and the bank) to create multiple account combinations and the flexibility to change as their needs adjust. The process of account creation may be completed in a self-service manner in an online environment or in person with the assistance of a banker. The features of the account are then attached to the account chassis as money applications or money applications in a customer selected bundle or al a carte fashion.02-09-2012
20100082482Systems and Methods for Aggregating and Donating Dormant Prepaid Card Amounts - Embodiments of the invention relate to systems and methods for aggregating and donating dormant prepaid card amounts. In one embodiment, a method of donating a monetary amount associated with a dormant prepaid card can comprise determining an end of life associated with at least one of a plurality of prepaid cards. The method can also comprise receiving an indication to donate a portion of a respective monetary amount associated with the at least one of the plurality of prepaid cards. In addition, the method can comprise facilitating transfer of monetary funds corresponding to any donated monetary amount to at least one account associated with at least one donation recipient.04-01-2010
20100138341Method and system for saving money with a group of mobile devices - A plurality of users have a savings goal, and a plurality of mobile devices each belong to a user. An electronic message from a user's mobile device is received. The electronic message comprises a description of a service or product not purchased and the amount of money not spent because it was not purchased. The description and amount are stored and a running total of the amount of money not spent is computed. A second electronic message is transmitted to all of the plurality of mobile devices except the first mobile device. The second electronic message comprises the description, amount, and an identifier of the user of the first mobile. Receiving, storing, computing, and transmitting are repeated until the savings goal is reached. A system includes the plurality of mobile devices, at least one communication network, and a computer in communication with the communication network. The system may also include a bank.06-03-2010
20080275818Methods, Systems and Computer Program Products for Joint Account Registers - A first account profile is on a first mobile communications device and a second account profile is on a second mobile communications device. User input of transactional information is accepted on the first mobile communications device. The first account profile on the first mobile communications device is modified based on the transactional information. A message is transmitted including the transactional information to the second mobile communications device.11-06-2008
20080275817METHOD AND APPARATUS FOR ENCOURAGING THE FORMATION AND JOINING OF ONLINE ACCOUNT GROUPS - Formation of grouped online monetary accounts. Accounts can be grouped together, and higher interest rates can be offered to each account within the group, based on the total of the account balances of the group. More specifically, individual accounts within the group are not pooled—they remain separate accounts. However, the interest rate applied to the separate accounts is determined according to the total value of the accounts within the group. Groups with larger total assets are offered higher interest rates, which encourages account owners to join groups so as to take advantage of these higher rates. In some embodiments, group owners are given control over who is invited to join their group.11-06-2008
20100280946TRANSACTION AUTHORISATION SYSTEM - A method and system is provided for authorizing an action on a resource such as an account, wherein the action requires the authority of an unauthenticated authorizing party. An authorization request is received at a trusted third party such as a bank from a requesting party. The authorization request includes a resource operator specifying said action and an identifier for providing an identifying link to said authorizing party. The authorization request is stored. A pre-existing authentication channel established between the authorizing party and the trusted third party is used to authenticate the authorizing party. The authorization request is provided to the authorizing party, and the authorization response can then be received from the authorizing party.11-04-2010
20090313166METHOD 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.12-17-2009
20090319425Mobile Person-to-Person 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.12-24-2009
20080228647Method and computer-readable medium for managing an account balance - A method and computer-readable medium for managing an account balance of a user via remote connection to an account database system of a service provider are provided. According to the method, payment information is received from the user via the remote connection for a selected invoice of an account of the user. The payment information is outputted to an external payment service for settlement of payment, and, if the settlement is successful, authorization and settlement data are received from the external payment service and written to a payment file of the user. A transaction record is then written to an account transactions file of the service provider, thereby triggering execution of an accounting program for posting the authorization and settlement data to the user's account and to financial records of the service provider. The updated invoice information may then be outputted to the user.09-18-2008
20100191648Systems and Methods to Facilitate Online Transactions - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account and a phone number associated with the account 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 different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats; and the converters are configured to communicate with the common format processor in a common format to facilitate deposit transactions and payment transactions.07-29-2010
20080270302USER EXPERIENCE ON MOBILE PHONE - A method of operating a mobile phone as a financial transaction instrument is provided. Security features, which can disable the mobile phone so as to prevent account information from being transmitted, incorporate transaction limits and the use of a personal identification number.10-30-2008
20100145851TRANSACTION SYSTEM WITH ENHANCED INSTRUCTION RECOGNITION - A transaction system is provided in which a plurality of participating system members each has access to a communications device so as to operatively communicate via an associated network with a computerized server in order to instruct the initiation or conduct of a transaction, typically a financial transaction, by operation of the computerized server consequent on data inputted by a particular system member. The system includes at least one data base in which there is retained data relating to at least some possible or previous transactions or both that may be conducted by the particular system member. Selection means are provided for selecting one of said possible or previous transactions that best represents data inputted in respect of any particular target transaction on the basis of artificial intelligence such that data inputted in different ways or with different degrees of accuracy can result in the same target transaction being selected by the selection means. The selected transaction is communicated to the particular system member whose confirmation is required of the correctness or otherwise of the selected target transaction.06-10-2010
20090319426METHODS AND SYSTEMS FOR VERIFYING CUSTOMER SUPPLIED FINANCIAL ACCOUNT INFORMATION VERIFICATION USING DEBIT AND CREDIT TRANSACTIONS - Embodiment of the invention describe methods and systems for verifying customer supplied financial account information verification using debit and credit transactions. These methods include electronically transmitting an electronic debit and credit transaction to the customer financial account, based on the customer supplied financial account information. The method also includes electronically transmitting a first statement descriptor, as part of at least one of the electronic debit transaction and the electronic credit transaction, that includes a first verification code. The method also includes electronically receiving, from the customer, a second verification code, and comparing, by the computer system, the transmitted first verification code with the received second verification code with respect to each other. The method also includes verifying, by the computer system, the customer supplied financial account information based on the comparison of the verification codes.12-24-2009
20120078785ESTIMATED BALANCE - Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit account; (b) determining, based at least partially on the information associated with the deposit account, an available balance associated with the deposit account; (c) determining, based at least partially on the information associated with the deposit account, a second amount associated with the deposit account; (d) determining, based at least partially on the available balance and the second amount, an estimated balance associated with the deposit account; and (e) posting the estimated balance to an online banking account, where the online banking account is associated with the deposit account.03-29-2012
20120078784AVAILABLE BALANCE ENHANCEMENT - In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking account, where the second information indicates that the available balance is not based on the second transaction.03-29-2012
20090138398Method and system for multi-currency escrow service for web-based transactions - A method and system for escrow service for web-based transactions, such as multi-currency web-based transactions, is web-accessible and accepts registrations from exchanges and/or portal partners. The completion of registration and transactions is allowed to entitled users who access the system via the web. The system maintains an internal banking engine to act as a deal manager, messaging service and accounts sub-ledger and escrows funds entrusted to it. The transaction process is composed of a number of transaction statuses, and reporting of those statuses to users is accomplished online and via web query. The system provides local currency/multi-currency capability and supports several methods of payment, such as credit cards, authorized Automated Clearing House (ACH) or equivalent direct debit/credit and wire transfer payments, and all funds movements are electronic. The system supports transaction level detail through its banking engine accounts; funds movements from its currency accounts, and escrows funds to currency based escrow accounts. Buyers completing goods/services inspections after delivery initiate settlements.05-28-2009
20090106149GLOBAL COMPLIANCE PROCESSING SYSTEM FOR A MONEY TRANSFER SYSTEM - A money transfer system generally includes a rules database, a customer database, a transaction processing system, and an administrator port. The rules database includes information representative of transaction rules. The transaction rules include transaction type-based rules, point of entry-based rules, customer-based rules, and transaction location-based rules. At least some of the transaction rules include an aggregation threshold. The customer database includes information representative of customers' transaction histories. The transaction processing system is connected to the rules database and customer database and generally includes point of entry ports, a customer identifier, a rules coordinator, an aggregation engine, and a transaction rules service. The point of entry ports receive transaction requests from points of entry and provide transaction responses to the points of entry. Based on information received in transaction requests, the customer identifier identifies customers and the rules coordinator determines applicable transaction rules. The aggregation engine determines aggregation values as a function of customers' transaction histories. The transaction rules service determines whether information received in the transaction requests meets the applicable transaction rules, generates transaction responses requesting additional information if additional information is needed to meet the applicable transaction rules, causes the aggregation engine to determine aggregation values if the applicable transaction rules include aggregation thresholds, generates transaction responses, and updates the customer database as a function of the transaction responses. Transaction responses authorizing transactions are generated if the information received in the transaction requests, including any information received in response to additional information requests and any aggregation values, meet the applicable transaction rules. Transaction responses denying transactions are generated if the information received in the transaction requests, including any information received in response to additional information requests and any aggregation values, do not meet the applicable transaction rules. The administrator port communicates rule update information and the transaction processing system updates the rules database as a function of the rule update information.04-23-2009
20090222381PROCESS OF AND SYSTEM FOR FACILITATING CHECK PROCESSING AT POINT OF SALE AND ACCELERATED CREDIT FOR CHECK TRANSACTIONS - Process of and system for providing credit to a retailer by collecting checks from customers during financial transactions between the customers and the retailer, depositing by the retailer the collected checks into a safe located at the retailer facility, calculating the total monetary value of the checks that are deposited into the safe, and electronically transmitting a data file that identifies the calculated total monetary value of the deposited checks. Using the information in the transmitted data file, the retailer is credited by a bank or other financial institute with the total monetary value of the deposited checks. Crediting may be provided on a business day basis, and other features include imaging of the deposited checks, facilitating check processing using the image files of the checks, displaying the imaged checks on a display at the retailer during the financial transaction, depositing the checks into the same safe into which cash collected by the retailer is deposited, providing the checks within the safe in sealed cassettes, and printing an image of a collected check on a receipt that is provided to the customer. Other features also are described. The process and system advantageously make funds readily available and improves cash flow to retailers who take-in checks as part of their normal business operations.09-03-2009
20090254479TRANSACTION SERVER CONFIGURED TO AUTHORIZE PAYMENT TRANSACTIONS USING MOBILE TELEPHONE DEVICES - Techniques are disclosed for a mobile telephone, in conjunction with a payment transaction server, to be used directly as a payment device for a variety of financial transactions. Further, the transaction systems and methods for mobile telephone devices described herein allow a mobile telephone to participate in payment transactions in a manner that helps prevent identify theft and without relying on transferring amounts to/from one stored value account to another.10-08-2009
20080306869Electric payment delivery service - Systems and methods for providing finance-related services such as electronic payment delivery are disclosed. In accordance with one embodiment, a payment system is configured to receive a payment message including a type of information, and to add an identification number to the message. The type of information is removed from the payment message, and the revised payment message is forwarded on to an entity responsible for payment. Particular embodiments in accordance with the present invention are suited for removing personal patient information from a HIPAA-compliant payment message, prior to forwarding the revised message over an electronic payment network.12-11-2008
20120123938System and Method for Performing Financial Transactions on a Network - Embodiments of the present invention include a computer-implemented method of performing a financial transaction on a network comprising storing a plurality of risk factors and associated severities in a web-enabled remote policy database, the severities defining actions taken when a specific risk factor is detected, storing a plurality of hold override policies that associate a financial transaction type with a hold type in the policy database. Various embodiments can receive transaction data including an image of a check, applying the plurality of risk factors to the transaction data, and applying the plurality of hold override policies to the deposit data. Finally, other embodiments include a web-enabled user interface through with users can review and approve/disapprove the handling of exceptions to the risk factors, severities, and hold override policies on a real-time or near-real time basis.05-17-2012
20120197795Integrated Payment System - A payment system executes payments from payers to vendors. An unattended interface system automates the uploading of payments file from each payer to the system. A web services transfer server performs the unattended transfer. Steps of a payment server generating an electronic funds transfer file with a group of fund transfer records for each payment represented by a record of the payment file. After the electronic funds transfer file is complete, the steps further comprise transferring the electronic fund transfer file to an electronic payment network for execution. Remittance records are transferred to the vendor utilizing an unattended transfer executed by the web services transfer server.08-02-2012
20100228669SYSTEM AND METHOD FOR EXECUTING A FINANCIAL TRANSACTION - A computer-implemented system and method for processing one or more second transactions. The system and method provides for storage of customizable business rules, which are set by a user. Upon receipt of electronic digital information relating to a first transaction, the system and method initiate execution of one or more second transactions, which are controlled by the customizable business rules. As such, the second transactions are processed independently of the first transaction.09-09-2010
20130218766Mobile Transactions and Payments - The present invention includes an apparatus and method for identifying and connecting mobile devices by scanning a tag associated with a location, place, or other information.08-22-2013
20120246069FUNDS 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.09-27-2012
20090112764METHOD AND SYSTEM FOR PROVIDING FINANCIAL SECURITY IN A 1031 EXCHANGE - Systems and methods of financial security system for a 1031 exchange are discussed to address security concerns that exchange proceeds may be misappropriated without the authorization of the taxpayer client by implementing authorization and verification processes. The 1031 exchange begins with a specific taxpayer client (TP) when the Qualified Intermediary (QI) and TP sign an exchange agreement and the QI assigns a specific Exchange File Number (EFN) tied to the bank's identification number of a sub-account for the exchange. The QI notifies the system of the EFN and TP's email address. The system encodes a security device with EFN (and TP's email address in one embodiment), which is sent to TP. Then TP can log on to create a password using the received security device. This password is used to provide added security in the process of authorization and verification by TP of incoming and outgoing funds.04-30-2009
20100312700SYSTEM AND METHOD FOR MANAGING STATUS OF A PAYMENT INSTRUMENT - A transaction processing service operates as an intermediary between acquirers of financial transaction requests and issuing institutions that process the financial transaction requests. The intermediary service enables a customer to selectively change the status of an account's associated with a payment instrument by activating or deactivating the account. The intermediary service may manage account status locally using a rules module. Alternatively, the issuing institution may manage account status, while the intermediary service provides an interface for customers. A customer communicates with the intermediary service to direct the service to change the account status. The intermediary service determines the account's issuing institution and provides an indication to the issuing institution of the current status of the account (or of the change in status). The intermediary service may provide the indication by transmitting a message to the issuing institution or by storing the account status information in its own database. The issuing institution may then request account status from the intermediary service whenever it needs the information, such as when it receives an authorization request.12-09-2010
20100325044System and Method for Accessing the Maximum Available Funds in an Electronic Financial Transaction - A “MAX”, or other appropriate descriptive, selection is added to the set of selections available to users of electronic financial transactions. This selection determines the maximum amount which can be accessed by a user, subject to hardware, software, account and other restrictions.12-23-2010
20110213703INDIVIDUAL CUSTOMER COMMUNITY HUB - The individual community hub provides individual customers the ability to access information related to events, businesses, offers, and activities that are a part of the individual customer's local community through the individual customer's online banking account. The individual customer can search, identify, receive offers or discounts from, review, etc. the events, businesses, and activities in which the individual customer might be interested. The information provided to the individual customer may be based on the customer's local community (e.g. geographic location), as well as the individual customer's transaction information captured by the bank each time the individual customer makes a purchase or completes a transaction through the bank. The information may also be based on information obtained from the bank's relationship with local businesses and/or other individual customers. In this way an individual customer's online banking account becomes the individual customer's source of local personalized community information.09-01-2011
20120036069SYSTEM AND METHOD FOR REMOTELY PROVIDING FINANCIAL SERVICES - Systems and methods for providing two-way communication between a plurality of remote terminals and at least one operator terminal. The operator terminal displays a session-specific user interface for each remote terminal with which it is in communication. Multiple interfaces are displayed concurrently, so that a human operator using the operator terminal can monitor and manage multiple sessions corresponding to multiple remote terminals. Customers using the remote terminals can enter or otherwise provide data relating to a transaction. The data is transmitted to the operator terminal and displayed in the session-specific user interface corresponding to the remote terminal from which it originates. The operator can review the data and perform actions based on the data.02-09-2012
20110213704BUSINESS CUSTOMER COMMUNITY HUB - The business community hub application provides a business customer the ability to add an event or offer to the community hub that can be accessed by individual customers or business customers. The business community hub application also notifies business customers of offers provided by other businesses or about local community events in which the business customer may be interested. The business customers have the ability to find contacts and network with other local businesses. The business community hub application also uses transaction information available to the bank to display market data and trends that may be of interest to the business customer. In this way, the business community hub works with the online banking application as a tool for local businesses, it allows business customers to interact with individual customers, the community in general, as well as other businesses, in a forum for exchanging products, services, and information.09-01-2011
20100057614SYSTEM AND METHOD FOR EFFECTING REAL-TIME FINANCIAL TRANSACTIONS BETWEEN DELAYED-SETTLEMENT FINANCIAL ACCOUNTS - A system and method for effecting a substantially real-time financial transaction between at least one secure account linked to a computer device, such as a checking account that ultimately has a delayed-settlement of financial transactions, and one other financial account, such as another secure account linked to another computer device. A financial services system allows remote computer devices, such as mobile computer devices, to store access codes, such as debit card numbers, for secure accounts and the financial services system can then effect a desired transaction over an existing electronic transaction network, such as an ATM/Debit network, thereby causing the financial transaction to occur substantially in real-time between secure accounts.03-04-2010
20100063926PAYMENT APPLICATION FRAMEWORK - A payment application framework may include metaphors and constraints. The metaphors may be associated with actors and objects that are part of the payment transactions. The constraints may include rules and parameters that may be used to process the payment transactions.03-11-2010
20080255990On-Line Generation and Verification of Personalised Money - Personalised money may be produced on-line and carry an identifier having at least a first and a second data set. The first data set may represent a unique item identifier and the second data set other item related information. Both data sets are encrypted and printed on the money, for example encoded in a data matrix symbol. The user may present the printed money for redemption at which point the data matrix symbol is scanned to retrieve the encrypted data sets. The data set including the unique identifier may be sent to a remote location for decryption and comparison against a stored identifier. The second data set may be decrypted and compared locally. Different encryption may be used for the two data sets.10-16-2008
20110099107METHOD FOR MONEY TRANSFER USING A MOBILE DEVICE - A method and system to mobile based money transaction across different transaction entity. A non-repudiable message, using a first mobile device, is sent to a first transaction entity expressing to provide a token wherein the mobile device is registered with the first transaction entity. The first transaction entity provides a generated token to the first mobile device using non-repudiable messaging services. The first mobile, in turn, transfers the non-repudiable message to a second mobile device of a second user including a token and a transaction entity code. The second mobile device sends the non-repudiable message to a second transaction entity, indicating a token number, a transaction entity code, and sum of money being transferred. The second transaction entity advances the token number, via a non-repudiable message, to a transaction entity indicated by the transaction code to authenticate the token. The first transaction entity authenticates token on receiving from second transaction entity and money being transferred for genuine token as indicated by first transaction machine. Alternatively, the second transaction entity transfers the equivalent sum of money to the first transaction entity indicating money should be transferred to the linked account of the token.04-28-2011
20110060685PERSONAL TELLER SYSTEM AND METHOD OF REMOTE INTERACTIVE AND PERSONALIZED BANKING - Systems and methods for providing personalized services to remote customers using personal teller machines (PTM) from a centralized call center. The customer initiates the transaction providing identification at a PTM. The identification of the customer is verified and audio and/or video communication is established between the customer at the PTM and a teller at a teller station in the call center. Upon establishment of video and audio connection, the customer may request the performance of specific financial transactions that are controlled by a teller through the teller station that is connected with the PTM over a network. Upon completion of the transactions of the customer by the teller, a receipt is printed for the customer and the video and audio connections are closed.03-10-2011
20110060684Machine, program product, and computer-implemented methods for confirming a mobile banking request - Embodiments of the present invention include methods, program product and machines for providing a confirmation for a mobile banking request, e.g., a funds movement request, originating via a text message utilizing a predetermined communications protocol, e.g., Short Message Service (SMS). A customer sends and a bank server receives a request originating via text message. The text message can include an amount and identifiers for accounts to be debited and credited. The bank server accesses an account responsive to a phone number associated with the text message. The bank server stores the request as pending. The bank server sends a verification request via text message to the customer and then receives a verification response via text message from the customer. The verification request can include a one-time verification code required for a valid verification response. Next, the bank server authorizes the pending request responsive to a valid verification response.03-10-2011
20120303523SYSTEM AND METHOD FOR DONATING TO CHARITABLE ORGANIZATIONS - A computer-implemented method of establishing an online account for a prospective user, the method comprising the steps of establishing a first account through direct deposit, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database, wherein the second account includes a debit card associated with the direct deposit account; linking the first and second accounts such that control settings of the second account are determined through the first account; and making a donation from the second account using the debit card consistent with the control settings of the second account.11-29-2012
20120123939Wireless Mobile Communicator For Contactless Payment On Account Read From Removable Card - A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use.05-17-2012
20100280947METHOD FOR SECURE TRANSACTIONS - The present invention relates to a method for a secure transaction utilizing a portable radio communication device (11-04-2010
20100280948Systems for Financial and Electronic Commerce - A system for electronic commerce including electronic banking tools, products and services. The system includes customizable banking products and cards, and methods and systems for conducting financial transactions and maintaining records over the Internet.11-04-2010
20080255991Payment System and a Realizing Method Thereof - A payment system, including: a payment unit, a gateway connecting to the payment unit, an intelligent peripheral and a service management point; the payment unit stores the data of users, the data of merchants and goods. The system authenticates a transaction request issued by the user using the data, and sends the transaction request passing through the authorization to the merchant; it also authenticates a payment request issued by the merchant and processes the payment service; the gateway and the intelligent peripheral provide modes of accessing the payment unit; the service management point provides a management interface and manages the user data in the payment unit according to commands received from the management interface. The invention also discloses a mobile communication payment method.10-16-2008
20110055083System and method of funds transfer using a secure financial account - A system and method of transferring funds from a depositor (payer) to a recipient (payee) comprises at least one account issuer issuing a deposit account located at a first financial institution and a withdraw account located at a second financial institution. A first reserve account is established at the first financial institution and a second reserve account is established at the second financial institution. An online processing system automatically detects when funds are deposited into the deposit account and automatically transfers the funds from the deposit account to the first reserve account. The funds from the first reserve account are transferred to the second reserve account, accounting for any foreign currency exchange rates. The system electronically processes a request from the recipient to transfer at least a portion of the funds located at the second reserve account to the recipient.03-03-2011
20110040683Interbank Process - In transactions between a consumer and a merchant where a merchant requires a deposit for participation, a method and system are provided for intermediating the transaction. The system enables a consumer to secure the required deposit amount for the transaction with funds deposited in one of a bank account or a special deposit account. Fees are generated based on a percentage of the deposit amount secured with the deposited funds and/or by providing an interest rate on funds deposited in the special deposit account with a fixed spread from a bank interest rate. The system assures merchants that deposit funds have been reserved for a particular transaction, and enables consumers to participate in such transactions without requiring an actual transfer of funds.02-17-2011
20110125639CHECK VERIFICATION SYSTEM - A check verification system for verifying checks presented to a vendor at a vendor location, the vendor location being remotely located from a bank issuing the checks, the check verification system comprising: an input device located at the vendor location, the input device having means for collecting check information including an amount of the check and an account number; and means for communicating with the bank to verify that the account number corresponds to an account of a plurality of legitimate accounts with the bank and provide a hold upon funds in the account in the amount of the check if the account number corresponds to one of the legitimate accounts with the bank and if sufficient funds exist in the legitimate account to hold.05-26-2011
20110137794METHOD OF SAVING FOR A TIME DELAYED PURCHASE - A method of saving for a time delayed purchase includes establishing a savings account through a website provided by a third party service provider. The savings account establishes the savings goal, the time frame, the recommended contribution, and the savings category and/or category of retailer(s). Once established, a customer designates the account as public or private. For a private account, funds are transferred from the customer's financial institution based upon approved parameters. For a public account, a notification is sent to potential third party contributors who make a gift to the public account that is held by the service provider. The customer is given the option of accepting the gift, whereby funds are transferred from the service provider to the public account.06-09-2011
20100262540ELECTRONIC SETTLEMENT SYSTEM, ELECTRONIC SETTLEMENT METHOD AND CASH PAYING METHOD USING LCD BARCODE DISPLAYED ON MOBILE TERMINAL - Disclosed are an electronic settlement system, an electronic settlement method, and a cash payment method using a barcode displayed on a mobile terminal, thereby simply performing member identification using the barcode including member information, electronic settlement services (such as credit card settlement, direct payment card settlement, advance payment card settlement, small amount settlement, and Giro system settlement) at various shops via a procedure verifying whether a user is an actual owner of the barcode, cash payment services via member information barcode and member identification procedures, advance payment card services by depositing a designated amount of money at a database of the bank and allowing the user to systematically use the advance card within the deposited money, and wireless banking services for transmitting and receiving various banking related data via wireless network between the bank and the members.10-14-2010
20110258116System and Method for Issuer Originated Payments for On-Line Banking Bill Payments - Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a bank. The request is for payment of a bill using a portable consumer device. A transaction request is then generated for an issuer and sent to the issuer for authorization. The issuer then sends a response indicating whether the transaction request is approved or declined. Remittance information for a biller is generated if the transaction is approved. The remittance information is then forwarded to the operator of the on-line banking bill payment web site for forwarding to a user of the portable consumer device. Additionally, the remittance information is sent to an acquirer or cash management bank, which can forward the information to the biller associated with the bill payment request.10-20-2011
20110258115MOBILE REMITTANCE COMPUTER SYSTEM AND METHOD - A computer system that executes a mobile device financial institution and/or financial regulatory compliant, for example, SWIFT and AML/CFT compliant, remittance across borders of countries by generation, at a mobile device via a mobile device service operator interface of a mobile network operator in a first country, of a remittance transaction based upon a remittance amount and a mobile device number of a remittance sending user. The remittance transaction is transmitted, via the mobile device service operator interface, to a mobile device remittance service computer. The mobile device remittance service computer transmits via a money manager interface the remittance transaction to a money manager in a second country for remittance to a remittance beneficiary.10-20-2011
20120310827SYSTEM, METHOD, AND APPARATUS FOR FUNDS TRANSFER - A computer-based funds transfer system provides funds transfer by making a request of a cash amount from an authorized device, then, responsive to the request, the authorized device transmits the request to a transaction server where the transaction server allocates funds and sends a code back to the authorized device. The authorized device displays the code as a bar code and the bar code is scanned by a terminal/system of a recipient. The terminal/system of the recipient sends the code and the cash amount to the transaction server. The transaction server validates the request and, if approved, sends a confirmation back to the recipient terminal/system and debits the user's account for the cash amount and the transaction server initiates a cash transfer to the recipient.12-06-2012
20090319424POSTAL MAIL DEPOSIT AGENCY - Apparatus and methods for electronically depositing a check in a bank account. In some embodiments, the apparatus and methods may involve a check identification module configured to analyze content of an electronically imaged postal mail item; and a customer control module configured to receive from a customer an instruction to deposit the check in the bank account.12-24-2009
20110191241METHOD OF PROVIDING AN ACCOUNT THAT EMPLOYS A BUFFER AGAINST OVERDRAFTS - A method and system is provided for establishing a buffer to protect a banking customer against over drafting a bank account. The invention provides a bank account that includes a buffer attached thereto wherein the buffer allows the account holder to exceed their account value within the predetermined range without risk of incurring overdrafts or the resulting overdraft fees associated therewith. A customer establishes a banking account that contains a monetary balance therein. A buffer amount is assigned to the account. The buffer is a monetary value in excess of the balance within the account. As debits are settled against the account they are deducted from the balance. Should one or more transactions cause the value of the account to drop below the balance the account is in an over draft condition, but provided the overdraft amount is less than the buffer, the traditional overdraft fees are waived.08-04-2011
20120041876INSTANT AVAILABILITY OF ELECTRONICALLY TRANSFERRED FUNDS - A system and method for making proceeds of an ACH (Automated Clearinghouse) transaction available to a user before the transaction is completed. The system may be part of an on-line system or traditional merchant configured to facilitate payments or fund transfers from users. A user requests the transfer of funds to an entity (e.g., another user, a merchant, the user's account with the system) via an ACH entry. The system calculates a risk associated with the user, while considering various data (e.g., number of previous ACH entries, how many failed, how many succeeded, amount of the transfer). If the risk is low enough, the ACH entry is initiated and the desired funds are released for the transfer even before the ACH entry clears. The ACH entry may be presented as a default choice for funding the transfer.02-16-2012
20110313922System For NFC Authentication Based on BLUETOOTH Proximity - A method and apparatus for secure authentication of Near Field Communication transactions based on proximity to a mobile key device.12-22-2011
20120047069Universal Prepaid Communications - A communications system [02-23-2012
20120005095System, Method, and Program Product for Foreign Currency Travel Account - Systems, program product, and methods for securing or procuring destination currency funds for a traveler to be used for travel in a destination country commencing at a scheduled future travel date, are provided. A system can include a domestic financial institution server including foreign destination currency transaction account program product. The system provides for establishing an interest-bearing foreign destination currency transaction account having a user-selected maturity date coinciding with a preselected travel date, and near, but prior to the preselected travel date, providing to the traveler a travel debit card having access to the balance of foreign destination currency funds including both principal and accrued interest.01-05-2012
20120011065PAYMENT SYSTEM - Embodiments of the invention provide a method of processing payment authorization requests for payment transactions to be conducted via a data communications network; the payment authorization requests are conducted as a result of orders by financial account holders via a plurality of different online merchant systems, and the financial account holders hold accounts with a plurality of different issuing banks. These embodiments of the invention provide a means of identifying an issuing bank from a plurality of issuing banks as one which is to be utilized in a given transaction and facilitate a user specifying, in real time in relation to the given transaction, a particular bank account that is to be used to deduct funds for that transaction.01-12-2012
20120116968Systems and Methods for Implementing Person-To-Person Money Exchange - A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.05-10-2012
20120254031COMMUNICATION SYSTEM PROVIDING NEAR FIELD COMMUNICATION (NFC) TRANSACTION FEATURES AND RELATED METHODS - A communication system may include a transaction terminal configured to perform a transaction based upon receiving account information, a first NFC device(s), and a mobile wireless communication device. The mobile device may include a second NFC device configured to communicate with the first NFC device(s) upon being swiped therewith, a memory configured to store account information associated with different accounts and store respective account swipe patterns for the different accounts, where each account swipe pattern comprising at least one of a set time or a set number of swipes, and a controller. The controller may be configured to detect a swipe pattern, determine whether the detected swipe pattern corresponds to one of the plurality of stored account swipe patterns, determine a respective account based upon the determined corresponding stored account swipe pattern, and communicate the associated account information for the determined respective account to the transaction terminal.10-04-2012
20120209767Integrated Technology Money Transfer System - Money transfer system authorizing an escrow agent computer electronically by touch-tone telephone, computer modem, P.O.S. (point of sale) terminal, live operators, to send cash transfers from a sender's account such as their credit, debit, bank, or ATM card, or a bank account, to a recipient who accesses the money at any remote ATM type location or P.O.S. (point of sale) terminal by using cards such as a specialized magnetic cards, credit cards, debit cards, and automated teller machine (ATM) card, at anytime and anywhere. Senders can authorize the transfer by touch-tone and PIN (personal identification number) secure codes. The system can operate without pre-existing relationships, and monitor transactions and take surcharges based on transfer amounts, and use a cards tethered to ATM machines and be used with double magnetic sided cards.08-16-2012
20120072345Method and system for impulse savings - Impulse saves are made by a user of a first computing device. A first electronic message is received from the first computing device. The first electronic message comprises an amount of money not spent by a user of the computing device. A running total of the amount of money not spent is computed. A second electronic message to at least one other computing device is transmitted. The second electronic message comprises at least some of the running total. An electronic transfer of the amount the amount of the second electronic message is made from one account to another account.03-22-2012
20120317026METHOD 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.12-13-2012
20120317025Selective Authorization Method and System - Embodiments of the invention generally relate to mobile payments. For example, an application running on a phone can verify a passcode of a consumer. An indication of whether the passcode was verified and a time associated with when the passcode was verified is then sent to a mobile gateway. Later, when a user conducts one or more transactions, a payment processing network can use the indication sent to the mobile gateway to determine whether a the one or more transactions were conducted within a time window, which can be used to authorize the one or more transactions.12-13-2012
20120317024WEARABLE DEVICE DATA SECURITY - Techniques for wearable device data security are described, including receiving input from one or more sensors coupled to a wearable device, each of the one or more sensors being configured to measure one or more parameters, processing the input to determine a pattern, referencing a pattern library using the pattern to identify a signature, and transforming the signature into data to be transmitted to a device in data communication with the wearable device and configured to perform a function if the data is authenticated.12-13-2012
20120130893SYSTEM AND METHOD FOR DEBT PRESENTMENT AND RESOLUTION - A system and method for debt presentment and resolution through an Intranet or Internet content provider is disclosed. Said system and method include a plurality of “transaction communities” which are electronic forums allowing interaction between a plurality of debtors and creditors through means of electronic mail (e-mail) or other electronic communication means. The Internet/Intranet based software application allows said debtors to access and input information related to a particular debt with any Internet browser software. Said debtors are provided with the URL (Universal Resource Locator) for said content provider along with a unique identification code from the collection agency(s) through mail correspondence or other communication means. Upon said user entering said URL and entering said identification code, said user may then proceed to choose from a variety of settlement options listed on the HTML (HyperText Markup Language) page.05-24-2012
20120215690METHOD AND APPARATUS FOR FACILITATING PAYMENT VIA MOBILE NETWORKS - A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider.08-23-2012
20120226609Remote Deposit Capture Method and Apparatus - A remote deposit capture system is provided that includes the means for human evaluation of financial transactions.09-06-2012
20100299256SYSTEMS AND METHODS FOR IMPLEMENTING PERSON-TO-PERSON MONEY EXCHANGE - A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which is used to transfer funds to and from other online accounts. Any user may initiate a send money transaction or a request payment transaction with any other entity provided that entity has an e-mail address. The online fund transfer may include a verification of a user's information including verifying a mailing address.11-25-2010
20120179608OFFSITE 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
20100010932SECURE WIRELESS DEPOSIT SYSTEM AND METHOD - A system and method is provided for registering a user or a wireless device and executing a transaction of funds from a third party account to a prepaid account. The wireless device is in secure communication with an administrating server over a network. The administrating server is in communication with a third party entity, via a third party entity server, as well as with a prepaid server. In the initial registration process, the user provides the credentials for accessing the third party account using the wireless device. The credentials are stored on the wireless device, administrating server, or both. In subsequent transactions, the user enters in the amount to be deposited into the prepaid account and the credentials are automatically retrieved from storage for authentication. If authenticated, the transaction is executed by the administrating server.01-14-2010
20120239569METHOD AND SYSTEM FOR IMPULSE SAVINGS - A method of saving money using a mobile phone to reach a savings goal. The method includes creating an electronic account; computing a periodic sum of money to be saved by the user according to the savings goal; receiving a first electronic message from the mobile device, the first electronic message includes a description of a service or product not purchased by the user and an amount of money not spent; storing the description and the amount in the account; computing a running total of the amount of money not spent. The method may also include transmitting a second electronic message, the second electronic message acknowledging the first electronic message, the amount not spent by the user, the amount remaining to be saved to reach the savings goal and/or the total amount not spent.09-20-2012
20120259777SYSTEM AND METHOD FOR PROVIDING CUSTOMERS WITH SEAMLESS ENTRY TO A REMOTE SERVER - The present invention provides a seamless entry system that comprises a universal session manager. Users connect to the host service provider with a unique username and password. Then, through a series of data exchanges between the universal session manager, a validation database, and the remote service module, the customer may be transparently logged into remote service providers. Internet banking customers utilize a browser system to connect to a host server providing a range of banking services supported by a remote or distinct server. According to the method, the customer first enters a username and password to gain access to the host service provider. The universal session manager transmits data required for login to the remote service provider. The user is thus able to utilize the remote services with his/her web browser system without having entered a username or password particular to the remote service.10-11-2012
20080301049Transaction Management System - The transaction management system 12-04-2008
20120239568SYSTEM AND METHOD FOR INVENTORY FINANCING - In embodiments of the invention, in accordance with a financing/bailment agreement, a dealer/bailee is required to retain the bailed property units in a controlled area to enable embodiments of the invention to perform real-time execution of inventory financing transactions. The bailed property units are tagged with tags for inventory identification. A reader device associated with the controlled area, detects entry or removal of the bailed property units by detecting a signal from a tag of the bailed property unit, the reader outputting an event signal. A server coupled to the reader, is programmed to access terms of the agreement, to monitor the event signals received from the reader. The server is coupled to one or more banks having an account of the bailor and an account of the bailee. The server is programmed to initiate a financial transfer by the one or more banks from the bailee account to the bailor account in accordance with the agreement, based on removal of the bailed property units in the controlled area.09-20-2012
20120278233VIRTUAL PIGGYBANK HAVING DASHBOARD AND DEBIT CARD - A computer-implemented method of establishing an online account for a prospective user, the method comprising the steps of establishing a first account through direct deposit, the settings of the first account being stored in a database; establishing a second account, the settings of the second account being stored in the database, wherein the second account includes a debit card associated with the direct deposit account; 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 using the debit card consistent with the control settings of the second account.11-01-2012
20120089514METHOD OF AUTHENTICATION - A method for authentication of a user (04-12-2012
20130013502Facilitation of Transactions Using a Transaction Code - A system includes a memory for storing customer account information associated with first and second customers, and a processor. The processor receives a request to perform a first transaction. In response to a determination that the request to perform the first transaction is approved, the processor generates a first transaction code and transmits the first transaction code to a mobile device associated with the first customer. The processor further receives transaction information for the first transaction. The processor further receives a request to perform a second transaction. In response to a determination that the request to perform the second transaction is approved, the processor generates a second transaction code and transmits the second transaction code to a mobile device associated with the second customer. The processor further receives transaction information for the second transaction. The processor further communicates a batch payment to the particular merchant.01-10-2013
20080243689System and method for performing an on-line transaction using a single-use payment instrument - A system and method for performing an on-line transaction, such as making a payment, with a single-use payment instrument makes use of computer hardware and software, such as the computing device of a customer, the customer's bank's home banking server, the bank's card authorization server, a vendor's website server, and the vendor's credit card acquirer, coupled to one another over a network. The customer is issued a single use payment instrument through the bank, the bank debits an account nominated by the customer for the requested value of the payment instrument and may also specify an expiry for the payment instrument. The customer is able to nominate a particular source of funds for each transaction from among various accounts of the customer. The payment instrument settles and clears through existing credit card payment mechanisms without a need for special accommodation with the Internet vendor.10-02-2008
20110270751Electronic commerce system and system and method for establishing a trusted session - A system and method for establishing two-factor security using a mobile device comprising authorizing one or more transactions requests received by a server, identifying one or more credentials required before the transaction can be processed, transmitting the list of credentials and a request session ID to a mobile device that stores, or is linked to, one or more required credentials, and pushing (or authorizing a credentials server to push) such credentials to the server that received the request in order to permit the associated transaction and/or upgrade the prior session to a secured or “authorized” connection.11-03-2011
20130097076Electronic virtual checks - Systems and methods are provided for causing a computing device to create and deliver a person-to-person, person-to-business, business-to-business, or business to person electronic virtual check, by: receiving check payment information from a Payor sent using a mobile phone application; merging the check payment information with a next check image to create an electronic virtual check image; and sending the electronic virtual check image to a Payee.04-18-2013
20130097075Electronic virtual checks - Systems and methods are provided for causing a computing device to create and deliver a person-to-person, person-to-business, business-to-business, or business to person electronic virtual check, by: receiving check payment information from a Payor sent using a mobile phone application; merging the check payment information with a next check image to create an electronic virtual check image; and sending the electronic virtual check image to a Payee.04-18-2013
20130103581SYSTEMS AND METHODS FOR SINGLE NUMBER PAN VIRTUAL/PHYSICAL CARD - A credit/debit card that can be utilized as a virtual card or as a physical card. The system provides a single PAN (Primary Account Number) for both the virtual and the physical card so that they represent a single account. The customer can elect one of the card formats. When one format is selected, the other format is inactive. In one embodiment, the customer can toggle back and forth between formats. To distinguish between the types of card, each card has modulated non-PAN data. For example, the expiration date on each card may be modified so that uses of the card will be recognized as coming from one format or the other.04-25-2013
20130144783SYSTEM AND METHOD FOR A SUPPLIER TO SUPPLIER PAYMENT SYSTEM TO PROCESS A TRANSACTION - Dynamically enabling and facilitating supplier to supplier facilitated customer transactions. A prepaid value account is issued to a customer by a first supplier for use at participating suppliers. A customer interacts with a second supplier of an item (e.g., goods or services), selects an item for purchase, and provides the supplier with payment criteria associated with the prepaid value account. The supplier interacts directly with the payment systems holding the prepaid value to partially or fully process payment for the transaction.06-06-2013
20110218912PROVIDER 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 electronically interact with organizations. The PRM system allows individuals to add organizations to a personal provider directory. 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. Pay documents are associated with an action to transfer monetary value from an individual to an organization. The PRM system allows an account associated with an individual to be debited and an account associated with an organization to be credited to satisfy a pay document.09-08-2011
20100287098ELECTRONIC PAYMENT METHOD OF PRESENTATION TO AN AUTOMATED CLEARING HOUSE (ACH) - An electronic payment method implemented as an application gateway between a bank and an automated clearing house (ACH) which facilitates presentation of complete payment particulars to said ACH of a request for payment from a payor to a payee. Our method requires each of payor and payee to separately input their respective particulars to complete said payment particulars for presentation to the ACH, wherein each of said payor and payee are only allowed selective access to particulars sufficient to identify the transaction. A payor initiates payment request via his bank's electronic banking channel having access to said application gateway. Partial payment particulars are provided which includes a payee identifier. The payee receives a unique code enabling him to access the application gateway via his bank's channel and complete his part of the payment particulars. The complete particulars are presented to the ACH for clearance.11-11-2010
20100287097Conducting Commercial Transactions with a Mobile Device - A computer assisted method which includes electronically receiving a request for funds, wherein said request identifies an addressable ID of a mobile device to which the data regarding the funds is to be transmitted. The method also includes creating a funds disbursement, including funds disbursement data. The step of creating a funds disbursement includes deducting from an associated bank account an amount based on the requested funds; generating a one time credit card number associated with the predetermined amount of the funds deducted from the associated bank account; and configuring the funds disbursement data including the one time credit card number, and the name of the particular person to which the funds should be dispersed as a two-dimensional encoded image. The method also includes transmitting the two-dimensional encoded image to the mobile device.11-11-2010
20100287096SYSTEM AND METHOD FOR FACILITATING A VALUE EXCHANGE TRANSACTION - A method and system of facilitating a value exchange solely telephonically and preferably using IVR between multiple users in a distributed value exchange system. The method involves registering a first user with the value exchange system, wherein the first user is assigned a first account within the value exchange system; receiving telephonically at the value exchange system a value exchange transaction from the first user, wherein said transaction involves a second user and includes an identifier of the second user, a separate security code, and a value to be exchanged between the first user and the second user; and at the value exchange system prompting the first user to independently send a notification of said value exchange transaction to the second user and debiting said value from one of said first account to a credit to a second account associated with the second user as a pending transaction. Additional features of the present invention optionally add voice pattern recognition to validate the identity of a user and IVR to allow easy access to anyone with any type of telephone. A specific feature of the system to improve security is independent notification of a pending transaction.11-11-2010
20120259776DYNAMIC PRE-QUALIFICATION - Embodiments of the invention are directed to systems, methods and computer program products for determining whether an account is eligible to participate in a banking service. In some embodiments, a method includes: (a) receiving information associated with an account; (b) determining, based at least partially on the information, that the account is eligible to participate in a banking service; and (c) presenting, in an electronic banking environment accessible to a holder of the account, an identifier associated with the banking service, where the presenting is based at least partially on the determining that the account is eligible. In some embodiments, the method further includes activating the banking service for the account. In some embodiments, the identifier is embodied as an input feature that enables the holder to enroll in the banking service. In other embodiments, the identifier is embodied as an input feature that enables the holder to use the banking service.10-11-2012
20120284183Entry Level Banking Products - Entry level banking products that may be offered through traditional sales channels (e.g., retail banking locations, online, etc.) or alternative sales channels (co-placement or co-branded with a third-party), to new customers who traditionally do not rely on conventional or mainstream checking, savings, and/or credit account products are described herein. The methods and systems described herein provide predictable, low cost pricing, guardrails on spending, budget controls, and financial education, while designed to be a low cost solution to serve all markets of banking customers. Aspects may include a variety of financial products, including a reloadable prepaid card, savings account or savings wallet, custom savings plan services, a contactless payment sticker, budget tools, online banking, online bill pay, convenience checks, and low monthly fees. A bundled package including the payment card and tag, as well as other information, may be made available from banking centers (e.g., bank branches) based on a client needs assessment, as well as made available in prepackaged containers sold or distributed at merchants, e.g., on J-hook racks or similar displays.11-08-2012
20130159182System and Method for Remote Deposit System - Described is a method and system for a remote deposit system. The method comprises receiving facsimile data corresponding to facsimile of a plurality of checks, constructing digitized images of the checks as a function of the facsimile data, gathering check data from each of the digitized images, and processing the check data according to a check processing procedure to settle transactions referenced by each of the checks.06-20-2013
20130185204CONSOLIDATED CHECKING ACCOUNT AND CREDIT LINE - A consolidated account may be created from several financial accounts such as checking accounts and bank loans. Deposits to one of the checking accounts may be applied to one of the bank loans which may minimize interest charges.07-18-2013
20110313921Internetworking 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.12-22-2011
20120030106METHOD AND SYSTEM FOR PROCESSING FINANCIAL INSTRUMENT DEPOSITS PHYSICALLY REMOTE FROM A FINANCIAL INSTITUTION - A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to, personal checks, business checks, travelers checks, money orders, merchant coupons, food coupons, line of credit checks, etc.), deposit information, and other information from remote locations (i.e., locations that could include the financial institution's remote locations, other financial institution's locations, businesses, private residences, etc.), for the purpose of having those checks credited to the depositing individual's or organization's bank account(s) and having the check images (and/or physical checks) entered into the bank check clearing channels for ultimate delivery to the maker bank for payment out of the maker's account.02-02-2012
20120030105ONLINE CHECK REGISTER USING CHECK IMAGING - Embodiments of the invention relate to systems, methods, and computer program products for maintaining an updated check register in connection with an online banking account of a payor that tracks pending check payments using check imaging technology. Some embodiments of the present invention provide a computer-implemented method including the following steps: receiving an image of at least a portion of a paper check, wherein the portion comprises an indication of an amount of money to be drawn on a financial account, processing the image to determine the amount, identifying the financial account, and recording the amount in connection with the financial account, wherein the recording step occurs prior to receiving any indication that the check has been presented for payment. In addition, the method may also include making the financial account with an indication of the pending payment available to be viewed by the payor.02-02-2012
20120030104PROCESSING IMAGES ASSOCIATED WITH THE REMOTE CAPTURE OF MULTIPLE DEPOSIT ITEMS - Embodiments of the present invention relate to methods and apparatuses for processing an image that shows multiple deposit items, where the image was captured by a remote capture device. For example, some embodiments provide a method that includes: (a) receiving an image that shows multiple deposit items, where the image was captured by a remote capture device; (b) determining that a first portion of the image is satisfactory for identifying deposit item information therein; (c) determining that a second portion of the image is unsatisfactory for identifying deposit item information therein; and (d) performing a function based at least partially on the determining that the second portion of the image is unsatisfactory for identifying deposit item information therein. In some embodiments, the function includes enhancing the second portion of the image. In other embodiments, the function includes prompting a user of the remote capture device to capture a second image to replace the second portion of the image.02-02-2012
20130198071MOBILE SERVICES REMOTE DEPOSIT CAPTURE - Systems and methods disclosed herein include a mobile solution to enable users to perform financial transaction over a network using a mobile device. These techniques allow users to maintain a single personal account identifier or number referred to as a (“PAN”) on the user's mobile device and to utilize it to access a plurality of linked financial accounts and sub-accounts. Any one of the accounts can be selected by a user on the mobile device to remotely deposit funds to that account based on an image of a financial payment instrument. In one embodiment, the image can be obtained using image capture technology on the user's mobile device. Users can then perform a financial transaction using the verified images over a network in order to conduct a remote financial transaction such as applying a deposit, a payment, or cash load to a designated account which is linked to the user's mobile account in real-time or near real-time.08-01-2013
20130198069METHODS OF PROCESSING CHECK IMAGE DATA FROM A REMOTE DEPOSIT CAPTURE DEVICE TO DETECT A DUPLICATE CHECK DEPOSIT - A method is provided of operating a check image data processing facility to detect a duplicate check deposit. The method comprises receiving from a remote deposit capture device check image data which is representative of an image of a check being deposited by the customer, determining whether a MICR code line of the check image matches a MICR code line stored in a check item database, extracting check data from at least one focus area of the check image, transmitting a message to the remote deposit capture device to indicate to the customer that the check is a duplicate check based upon the check data extracted from the at least one focus area of the check image.08-01-2013
20130198070BANKING SYSTEM WITH ENHANCED IDENTIFICATION OF FINANCIAL ACCOUNTS - A computer based banking system in which at least selected clients termed participating system members have access to a remote device adapted to communicate with the computer base banking system such that financial transactions can be conducted by remote operation of the remote device by the participating system member to result in the debiting of a financial data base record associated with an instructing participating system member and in the crediting of a different financial data base record. Each data base record is identified by a conventional account number generated to conform to banking numbering standards as well as a linked communication number.08-01-2013
20130204783SYSTEM AND METHOD FOR PERFORMING REMOTE CHECK PRESENTMENT (RCP) TRANSACTIONS BY A CHECK CASHING COMPANY - A system and method of handling remote check presentment (RCP) of a check may include receiving, from a computing device of a user, RCP data at a computing device, such as a computer server. A determination, by the computing system, of a risk factor associated with the RCP data may be made. In response to determining the risk factor associated with the RCP data, a determination, by the computing system, as to how to make cash available to the user prior to passing the check for clearance through a traditional check clearing process may be performed. The cash may be made available as determined to the user prior to passing the check for clearance through the traditional check clearing process.08-08-2013
20120078786DEPOSIT TRANSACTION-LEVEL INFORMATION - Some embodiments of the present invention provide a method that includes: (a) receiving information associated with a deposit transaction, where the deposit transaction involves a deposit account, and where the deposit transaction includes a total deposit amount; (b) determining, based at least partially on the information associated with the deposit transaction, that a first amount of the total deposit amount is immediately available; (c) determining, based at least partially on the information associated with the deposit transaction, that a second amount of the total deposit amount is not immediately available, (d) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the first amount is immediately available; and (e) posting second information to the online banking account, where the second information indicates that the second amount is not immediately available.03-29-2012
20120084205DISCONNECTED PERSON-TO-PERSON PAYMENT SYSTEM AND METHOD INCLUDING INDEPENDENT PAYOR AND PAYEE DIRECTION FOR VALUE SOURCE AND DESTINATION - Embodiments of the person-to-person (P2P) payment system and method described herein include a payor (“sender”) who is a member of a P2P payment network initiating a payment transaction by specifying an identity of a payee (“receiver”) to receive funds and a source value form. The identity of the receiver comprises an email address or a telephone number, to name two examples. The receiver may or may not be in the P2P payment network. The receiver may choose a destination account and destination value form for the funds. The destination account need not be in the P2P network. The destination value form need not be the same as the source value form.04-05-2012
20130212014DISASTER-RELIEF CARDS - Methods and apparatus according to the invention are directed towards providing a client support in the wake of a disaster impacting a locale. Support may include transporting support-means to the locale, authenticating identification of the client, interfacing with an entity administering an account for the client, and facilitating access by the client to the account. The methods and apparatus may also provide support of non-account-related disaster-relief efforts associated with the locale.08-15-2013
20130212016MOBILE DEVICE CREDIT ACCOUNT - Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or commercial entity can be associated with a unique ID of an MCD. The MCD can interface with another electronic device and initiate credit transactions, such as commercial purchases, credit transfers, currency conversions, and the like, via the interface. Further, rules provided by the sponsoring entity can guide such transactions, enforcing credit limits, for instance. A management component can then synchronize transactions conducted by the device with a server of a financial institution over a remote communication interface, such as the Internet or a cellular/mobile communication network. Accordingly, a mobile device can replace a traditional credit card in transacting credit business.08-15-2013

Patent applications in class Remote banking (e.g., home banking)

Patent applications in all subclasses Remote banking (e.g., home banking)