Match Document Document Title
US20120066124 MONEY 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...
US20150019423 TRANSACTIONAL RECONCILIATION SYSTEM AND METHOD  
Provided are a computer-implemented method and system in the form of an integrated application programming interface (API) for booking payments entered in an accounting software application,...
US20120215659 Systems and Methods Relating to Bank Transactions, Prepaid Access, Payment Based Promotions, and Payment Networks  
A payment network (for example, an open-loop payment network or a closed-loop payment network) is provided and includes systems and methods of payment utilizing bank transactions (e.g., credit...
US20140279486 SYSTEM AND METHOD FOR GUARDING AGAINST FRAUDULENT DIRECT DEPOSIT ENROLLMENTS IN AN ISSUER-EFFECTUATED ENROLLMENT SYSTEM  
Systems and methods disclosed herein provide improved security against fraudulent direct deposit enrollments in an issuer-effectuated direct deposit enrollment system. By providing visibility...
US20110251892 Mobile Phone Payment Processing Methods and Systems  
Embodiments provide systems, methods, processes, computer program code and means for using mobile devices to conduct payment transactions at merchant locations including brick and mortar locations...
US20120209733 UNIFIED IDENTITY VERIFICATION  
Apparatus, systems, and methods are disclosed that operate to register one time, at a server associated with an authenticating entity, information comprising an identity uniquely associated with...
US20140089186 MOBILE PAYMENT SERVICE FOR SMALL FINANCIAL INSTITUTIONS  
During operation of the system, a user of a portable electronic device provides a request to enroll in a financial service associated with a provider. For example, the financial service may...
US20140129439 SYSTEM AND METHOD FOR PROVIDING BANKING SERVICES ASSOCIATED WITH MULTIPLE FINANCIAL INSTITUTIONS THROUGH SHARED OUTLETS  
A system and method for providing banking services associated with a plurality of financial institutions through a network of shared outlets branded with each participating financial institution,...
US20130091056 SYSTEM 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...
US20110218912 PROVIDER 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...
US20110191241 METHOD 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...
US20110258115 MOBILE 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...
US20150120572 LOCATION BASED MOBILE DEPOSIT SECURITY FEATURE  
A mobile deposit application including a remotely accessible bank administrative interface module for setting a plurality of geographic-based security rules, a rules module communicative coupled...
US20120259776 DYNAMIC 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,...
US20100042542 SYSTEM 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...
US20130036049 DISTRIBUTED 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...
US20120041876 INSTANT 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...
US20130013516 SOCIAL NETWORK FINANCIAL PORTAL  
A financial portal is provided which allows the transfer of funds between “friends” within a social network application.
US20130054455 System for Allocating and Managing Contributions to Account Categories  
According to some embodiments, a deposit system for receiving funds into an account held for an account beneficiary, the account being identifiable by an account number, comprises a management...
US20150026051 SYSTEM, METHOD AND ARTICLE OF MANUFACTURE FOR FACILITATING INSTANTANEOUS CASH DEPOSIT  
The present disclosure relates to a financial instrument having a monetary value associated with it and a system and method for using such financial instrument. The financial instrument is...
US20140258116 Flexible open origination  
In the field of banking and financial services, a flexible Open Origination allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful...
US20130030925 CONTEXT-AWARE MOBILE BANKING SOLUTION  
A context-aware mobile banking system determines a location of a user of the mobile device, identifies at least one product of interest to the user based at least in part on the determined...
US20120123939 Wireless 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...
US20110055083 System 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...
US20120265678 SOCIAL 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,...
US20110137794 METHOD 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...
US20110099107 METHOD 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...
US20140310169 Secure electronic financial transaction method utilizing definite-use electronic bank accounts with random numbering system  
The present invention describes techniques for facilitating secure electronic financial transactions between parties without sharing main bank account information or other sensitive financial...
US20140195427 MOBILE TRANSACTIONS  
A method for analysing mobile handset based transactions between sender handsets and receiver handsets comprising the steps of: identifying locations of a sender handset and a receiver handset for...
US20140122332 System and Method for Improved Remote Deposit User Support  
Systems and methods for improved remote deposit support and troubleshooting are disclose. In remote deposit sessions, such as a remote check deposit transaction that uses images of the front and...
US20110282786 APPARATUS 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...
US20140201075 TRANSACTION SYSTEM AND METHOD  
A method and device of performing a person-to-person payment from a wireless personal communications device of an originator to a wireless communications device of a recipient is provided. The...
US20150088739 LIFE OCCURRENCE HANDLING AND RESOLUTION  
A method is disclosed herein in accordance with an embodiment of the present invention. The method may include deriving at a mobile transaction platform a multi-dimensional context from one or...
US20120185386 AUTHENTICATION 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...
US20120011065 PAYMENT 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...
US20110213703 INDIVIDUAL 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...
US20140330718 PAPER PAYMENT RECEIPT, PROCESSING AND PAYMENT FAILURE ANALYTICS  
Apparatus for electronically notifying an individual of an incomplete transaction associated with a received correspondence item is provided. The apparatus may include a receiver for receiving a...
US20110040683 Interbank 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...
US20140324693 EQUIPMENT TO FACILITATE MONEY TRANSFERS INTO BANK ACCOUNTS  
Systems and methods for transferring money to a bank account are provided. Transactional information, which includes information on a bank account that is to receive the money, may be transmitted...
US20130110715 Use of Velocity in Fraud Detection or Prevention  
Systems, methods, and software for implementing location-based authentication of financial transactions are provided. Upon receiving credentials to initiate a financial transaction, the geographic...
US20120047070 ATM/KIOSK Cash Acceptance  
In one aspect, this invention relates to a new method for using a mobile telephone, in conjunction with a payment transaction server, as an authentication and cash payment device of a cash deposit...
US20120296821 SYSTEMS AND METHODS FOR MAKING PAYMENTS FROM SELECTED FUNDING SOURCES  
In an embodiment, a payment service provider includes a database storing a plurality of buyer-identity/buyer's-payment-source-account associations, each having a unique identifier assigned...
US20110313922 System 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.
US20100076889 METHOD 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...
US20140074707 PERSONALIZED MOBILE BANKING TRANSACTIONS  
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of...
US20090182664 INTEGRATING SOCIAL NETWORKING WITH FINANCIAL SERVICES  
A method for integrating an online social networking platform with a banking platform enables users of the online social networking platform to transfer funds held in one or more accounts accessed...
US20120259774 PAYMENT METHODS USING ELECTRONIC DEVICES  
Various payment methods utilizing wireless or wired devices are disclosed, such devices that use radio electric spectrum frequencies. The methods include all types of payment operation...
US20140136407 System and Method for Conducting Financial Transactions  
A system and method for executing a financial transaction via an electronic device is provided. The methods comprises several steps. First, a request is received to designate a first account for...
US20120246069 FUNDS 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...
US20140324694 Restricting Transfer of Funds from Electronic Financial Account  
This disclosure includes methods and systems for restricting a transfer of funds from an electronic financial account after a lock feature has been engaged in response to an account lock request....