| Patent application number | Description | Published |
|---|
| 20100318783 | SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY - Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through the use of algorithmically defined keys. The algorithmically defined keys also allow the third party service provider to verify data provided by the consumer as matching data stored by the first party. The verification provides for data synchronization without requiring the third party to have access to the first parties data systems. | 12-16-2010 |
| 20110055077 | PORTABLE CONSUMER DEVICE WITH FUNDS TRANSFER PROCESSING - A portable consumer device with funds transfer processing systems and methods are disclosed. A sending entity may initiate a money transfer from one portable consumer device, such as a credit or debit card, to another portable consumer device through a money transfer system. A sending entity may initiate a payment request and the money transfer system may prompt the sending entity to use one of a plurality of payment account identifiers it possess. A recipient entity is defined by either an alias or a recipient entity personal account identifier. Additionally, an unregistered recipient entity may return a claim code to the money transfer system to claim a money transfer. | 03-03-2011 |
| 20110077951 | Mobile Device Including Mobile Application - Consumers' purchase transactions are collected and processed to produce purchase transaction history information indicative of purchasing behavior and spending patterns. Computer software applications are identified based on the purchase history information and sent to the consumer's mobile devices. | 03-31-2011 |
| 20110078021 | Mobile Device Including Mobile Application Coordinating External Data - Information stored on a consumer's mobile device can be used to produce recommendations for purchase of good/services. In embodiments, a consumer's purchase history can included in producing recommendations for purchase of good/services. Such recommendations can then be communicated to the consumer's mobile device. | 03-31-2011 |
| 20110137796 | PAYMENT MESSAGE ROUTING USING GEO-LOCATION - Methods and system for enabling safe and efficient money transfer between a sender and a beneficiary are provided. The method includes communicating with a beneficiary's mobile device to ascertain the beneficiary's current geo-location. Based on the geo-location and funds at hand, one or more receiving agents are selected to fulfill the transfer. The beneficiary is offered a choice of agents and the selected agent is provided with the money transfer details to complete the transfer. | 06-09-2011 |
| 20110258111 | ALIAS MANAGEMENT AND OFF-US DDA PROCESSING - An alias management and off-us demand deposit account processing system is disclosed. A sending entity initiates a value transfer with a payment processing network indicating a value transfer providing issuer which will conduct the value transfer and a demand deposit account issuer which hosts the demand deposit account that funds the value transfer. The sending entity is able to conduct a value transfer via a value transfer providing issuer using funds from an account with another issuer. | 10-20-2011 |
| 20110258686 | Alias Management and Value Transfer Claim Processing - An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers. | 10-20-2011 |
| 20110270756 | SYSTEMS AND METHODS FOR SCREENING PAYMENT TRANSACTIONS - Methods and systems for anti money laundering screening are provided. A risk score and a first validation code is determined based on information related to a funds transfer transaction. The first validation code is associated with the risk score. Thereafter, a second validation code is calculated and compared with the first validation code. The risk score and the validation score are included in a payment authorization message sent to a payment processing network. The payment processing network extracts the validation code and communicates the payment authorization message including the risk score to a receiving financial institution. The receiving financial entity accepts or denies the incoming funds transfer based on the risk score included in the payment authorization message. | 11-03-2011 |
