Patent application number | Description | Published |
20110191149 | CUSTOMER-SELECTED PAYMENT CLEARINGHOUSE - Embodiments of the invention relate to systems, methods, and computer program products that provide for a customer-selected payment clearinghouse that allows financial institution customers to select which account or accounts to assign/re-assign to a particular payment transaction, concurrent with the transaction or for a predetermined period of time after the transaction has occurred. As such, the present invention allows the customer to assess payment account alternatives after the transaction has occurred and to make informed payment account decisions after the transaction has occurred. In addition, the present invention allows the customer to readily distribute payment across more that one payment account. In specific embodiments of the invention, the financial institution may provide optimal payment account recommendations that maximize one or more customer payment concerns. | 08-04-2011 |
20110191150 | MOBILE INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING USING PRODUCT LEVEL INFORMATION - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc. | 08-04-2011 |
20110191157 | INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc. | 08-04-2011 |
20110191160 | MOBILE PAYMENT DEVICE FOR CONDUCTING TRANSACTIONS ASSOCIATED WITH A MERCHANT OFFER PROGRAM - Embodiments of the invention provide for a mobile payment device used to conduct transactions associated with a merchant offer program. In specific embodiments, the mobile device is equipped with short range communication mechanisms or some other form of wireless communication that allows for the mobile device to communicate customer program verification data, offer data and/or necessary payment data to a properly configured Point-Of-Sale (POS) device, such as a cash register, card reader device or the like. In other embodiments of the invention, the mobile device is in network communication with the financial institution and the financial institution is in network communication with the merchant, such that, once the customer communicates to the financial institution acceptance of an offer and the desire to conduct the corresponding transaction, the financial institution can, in turn, communicate the necessary payment data to the merchant. | 08-04-2011 |
20110191162 | GUARANTEED MERCHANT PAYMENT IN A CARD-NOT-PRESENT TRANSACTION - Embodiments of the invention provide for systems, devices, apparatus, methods and computer program products for payment card-issuing entities to guarantee merchant payment in card-not-present-transactions and, more specifically, automatically guaranteeing merchant payment in card-not-present transactions based on the payment card-issuing entity authenticating the customer prior to the transactions. By guaranteeing merchant payment in card-not-present transactions, the merchant's risk associated with such transaction is greatly reduced. | 08-04-2011 |
20110191173 | OFFER DETERMINATION AND SETTLEMENT FOR INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc. | 08-04-2011 |
20110191177 | PRE-POPULATION OF MERCHANT CHECK-OUT ENTRY FIELDS - Embodiments of the invention provide for systems, devices, apparatus, methods and computer program products for pre-population of data entry fields in a merchant checkout system. Based on the offer program customer's relationship with the financial institution and the financial institution relationship with the merchants the check-out system is able to leverage these relationships to provide for a more efficient check-out process. | 08-04-2011 |
20110191180 | SEARCH ANALYZER SYSTEM FOR INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc. | 08-04-2011 |
20110191181 | WISH LIST FOR INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc. | 08-04-2011 |
20110191184 | MOBILE LOCATION INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the websites that the customer views, as well as the content the customer is viewing on those websites, such as the products offered for sale through the website or other information on the website. The merchant offer program provides additional information to the customer, such as special offers that are available for the product being viewed, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. The information sent to the customer can be based not only on the website product being viewed, but on the customer's past purchase behavior, account balances, interests, etc. | 08-04-2011 |
20110191210 | ONLINE FINANCIAL INSTITUTION PROFILE ELECTRONIC CHECKOUT - Embodiments of the invention provide for methods, apparatuses, and computer program products for providing a financial institution check-out system for processing online transactions using a customer's pre-existing online financial institution profile. A customer desiring to checkout from an online vendor's electronic marketplace is given a choice to checkout using a financial institution's secure checkout widget, which is rendered alongside the customer computer system's web browser application by a financial institution server. The widget authenticates the customer as a financial institution account owner, and the financial institution server displays to the customer his or her available payment accounts and receives customer input regarding the desired payment account. The server runs a payment service engine that controls payment for the transaction, and then the widget communicates proof of successful payment to the vendor server. The vendor server receives payment confirmation from the financial institution server and thereafter communicates successful payment confirmation to the customer via the vendor's checkout interface. | 08-04-2011 |
20110191238 | VARIABLE MERCHANT SETTLEMENT OPTIONS - Embodiments of the invention provide for offering variable settlement options to merchants. The merchant and/or the financial institution can define settlement rules based on many settlement options, such as settlement time, settlement location, settlement channel, type of product/service associated with the transaction, and the like. Based on the occurrence of a transaction, the transaction parameters, such as settlement time, location and/or channel are determined by applying the settlement rules to the transaction. Accordingly, the transaction is settled according to the determined settlement rules. In alternate embodiments merchant settlement variables, such current financial status, cash flow requirements, credit requirements and the like, are monitored and the variables are applied to the settlement rules to determine the settlement parameters. | 08-04-2011 |
20110191239 | MONITORING RETAIL TRANSACTIONS ASSOCIATED WITH A FINANCIAL INSTITUTION-BASED MERCHANT OFFER PROGRAM AND DETERMINING SAVINGS METRICS - Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the transaction monitoring occurs at the financial institution level, the savings metrics may include both amounts saved by accepting the merchant offers associated with the program and savings amounts lost by conducting a transaction absent a merchant offer when an applicable merchant offer was available. | 08-04-2011 |
20110238499 | INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING THROUGH ONLINE BANKING STATEMENT OFFERS - Embodiments of the invention include a merchant offer program application, which is downloaded onto or accessed through a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the content in which the customer is interested (i.e. through account transaction history, wish list, website content, etc.). The merchant offer program provides offers that are available for the product in which the customer is interested on an interface, such as an online banking transaction history interface. The offers are associated with the same, similar, or related products to the products associated with the transactions listed on the interface. The customer may select the offer and have the offer (i.e. discount) applied automatically when the customer enters a transaction for the product associated with the offer in the future. | 09-29-2011 |
20110246306 | MOBILE LOCATION TRACKING INTEGRATED MERCHANT OFFER PROGRAM AND CUSTOMER SHOPPING - Embodiments of the invention include a merchant offer program application, which is downloaded onto a customer computer, and that works in connection with the customer's accounts at an institution. The merchant offer program application monitors the location of the customer over time and recognizes patterns in the routes the customer travels and locations that the customer frequently visits. The merchant offer program provides additional information to the customer, such as offers that are available for the product, the identity of other merchants that offer the product or a competing product, advertisements or offers regarding other ancillary products typically sold along with the product being considered, etc. based at least in part on the patterns recognized by the merchant offer program. The information sent to the customer can be based not only on the patterns identified, but on the customer's past purchase behavior, account balances, interests, merchant and/or institution relationships, etc. | 10-06-2011 |
20130018785 | MERCHANT BILL PAY - Embodiments of the invention are directed to systems, methods and computer program products for transmitting, via an intermediary system, a payment request from a payment requestor to a customer. In some embodiments, a method includes: (a) receiving, at an intermediary computing device, the payment request from a source system, wherein the payment request includes a payment amount and an alias associated with a payment recipient, (b) in response to receiving the payment request, determining, via a computing device processor, whether the payment recipient is a registered payment recipient based on the alias, and (c) in response to determining the payment recipient is a registered payment recipient based on the alias, communicating, via the intermediary computing device, the payment request to the payment recipient based on the payment recipient being the registered payment recipient. | 01-17-2013 |
20140358682 | MONITORING RETAIL TRANSACTIONS ASSOCIATED WITH A FINANCIAL INSTITUTION-BASED MERCHANT OFFER PROGRAM AND DETERMINING SAVINGS METRICS - Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the transaction monitoring occurs at the financial institution level, the savings metrics may include savings amounts lost by conducting a transaction absent a merchant offer when an applicable merchant offer was available. | 12-04-2014 |
20150058206 | CUSTOMER-SELECTED PAYMENT CLEARINGHOUSE - Embodiments of the invention relate to systems, methods, and computer program products that provide for a customer-selected payment clearinghouse that allows financial institution customers to select which account or accounts to assign/re-assign to a particular payment transaction, concurrent with the transaction or for a predetermined period of time after the transaction has occurred. As such, the present invention allows the customer to assess payment account alternatives after the transaction has occurred and to make informed payment account decisions after the transaction has occurred. In addition, the present invention allows the customer to readily distribute payment across more that one payment account. In specific embodiments of the invention, the financial institution may provide optimal payment account recommendations that maximize one or more customer payment concerns. | 02-26-2015 |