| Patent application number | Description | Published |
|---|
| 20080249910 | REGISTRATION OF CUSTOMERS FOR PAYMENT CARD BASED REMITTANCE SYSTEM - An application is received to register a customer for a funds transfer system. The application includes (a) the customer's name, (b) the customer's residential address, (c) the customer's mobile telephone number, and (d) an identification document that confirms the customer's name and residential address. The customer's mobile telephone number is associated with a payment card account number. The customer's name and residential address and a record of the identification document are stored in association with the payment card account number. | 10-09-2008 |
| 20080249928 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER - A request is received for a funds transfer. The request includes a destination telephone number. The destination telephone number is translated into a destination payment card account number. The funds transfer is routed as a payment transaction using the destination payment card account number. | 10-09-2008 |
| 20080249929 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION - A payment system receives, from a first financial institution, a request for a funds transfer. The request originates from a sender who has an account with the first financial institution. The payment system routes the funds transfer to a second financial institution for the benefit of a recipient. The payment system receives, from the second financial institution, the recipient's name and residential address. | 10-09-2008 |
| 20080249930 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company. | 10-09-2008 |
| 20080249937 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO RECEIVING FINANCIAL INSTITUTION - A request for a funds transfer is received from a first financial institution located in a first country. The request includes data that indicates the name and residential address of an individual who initiated the funds transfer. The funds transfer is routed from the first financial institution to a second financial institution located in a second country that is different from the first country. The routing of the funds transfer includes transmitting, to the second financial institution, the name and residential address of the individual who initiated the funds transfer. | 10-09-2008 |
| 20100318463 | METHOD AND APPARATUS FOR ADDRESSING ISSUER HOLD FOR AUTOMATED FUEL DISPENSER TRANSACTIONS IN AN ELECTRONIC PAYMENT SYSTEM - Placement of a hold amount against a payment card account of a customer is facilitated, in response to the customer presenting a payment device, associated with the payment card account, in connection with a non-PIN, signature-based, dual-message transaction with a merchant. The presenting of the payment device is prior to a time when an amount of the transaction can be determined. Subsequent to the placement of the hold amount, immediately after the time when the amount of the transaction can be determined, transmission of an authorization advice message from an acquirer associated with the merchant to an issuer of the payment device is facilitated. The authorization advice message indicates the amount of the transaction. A further step includes facilitating the issuer of the payment device releasing any portion of the hold amount which exceeds the amount of the transaction, immediately responsive to the authorization advice message. | 12-16-2010 |
| 20110017820 | TECHNIQUES FOR AUTHORIZATION OF USAGE OF A PAYMENT DEVICE - Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on desired spending limit parameters established by a merchant and/or an issuer of the device; facilitating obtaining an issuer authorization decision; and responsive to the issuer authorization decision, facilitating setting a spending limit for the account number based on at least an appropriate one of the parameters. | 01-27-2011 |
