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US20110313946 SYSTEMS AND METHODS FOR ADMINISTERING COLLEGE SAVINGS PLANS  
According to some embodiments, first data to open an escrow account is received. The first data may include data indicative of (a) the name of a prospective parent of an unborn intended...
US20060112011 Electronic banking system  
An automated electronic banking system for initiating and automatically processing monetary transactions, includes initiating means for maintaining a transaction record and permitting a remotely...
US20050125321 SYSTEM AND METHOD FOR AUTHORIZING THIRD-PARTY TRANSACTIONS FOR AN ACCOUNT AT A FINANCIAL INSTITUTION ON BEHALF OF THE ACCOUNT HOLDER  
System and method for authorizing third-party transactions for an account at a financial institution on behalf of the account holder. A financial institution can collect process, transmit and...
US20080210751 System And Method For Transferring Money Based On Approval Of Transfer Request Transmitted From Receiver To Sender  
A money transfer system transfers money based on approval of a sender for a transfer request transmitted from a receiver. This system includes a receiver terminal for transferring transfer request...
US20100063926 PAYMENT 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...
US20100063905 METHOD AND SYSTEM FOR PERFORMING BANKING TRANSACTIONS BY SIMULATING A VIRTUAL ATM BY MEANS OF A MOBILE TELECOMMUNICATIONS DEVICE  
Method and system for carrying out all the transactions performable at an ATM, with the exception of provision of cash, by means of a mobile telecommunications device, specifically a third...
US20120254031 COMMUNICATION 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...
US20070174080 Method and apparatus for improved transaction security using a telephone as a security token  
A method and apparatus are disclosed by which customers of an institution, such as a bank, may register one or more of their landline telephone or mobile telephone numbers and associate the...
US20120290476 ONLINE 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...
US20080162338 Method and system for mitigating risk of fraud in internet banking  
A method and system are provided for mitigating the risk of fraud in Internet banking. In an embodiment comprising an end user seeking access to the Internet banking site of a financial...
US20130024374 METHOD 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...
US20130304644 Establishing a Financial Account using a Mobile Computing Device  
A financial account is established using a mobile computing device. A digital image of an applicant's identification having text based components is captured. The digital image of the...
US20070288374 Framework for integrated storage of banking application data  
In a banking application system including numerous banking applications, a data management framework allows for the generalized storage and subsequent access of result data. Through the...
US20050004872 Method and system for conducting international electronic financial transactions  
Converting electronic files comprising financial transaction data for supporting international electronic financial transactions. A gateway financial institution that processes electronic payments...
US20080249937 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...
US20050097046 Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system  
Wireless Electronic Check Deposit Scanning and Cashing Machine (also known and referred to as WEDS) Web-based Online account cash Management computer application System (also known and referred to...
US20130325716 TRIGGER FEATURE FOR INCREASING TRANSACTION DEPTH AND ACCOUNT BREADTH  
Systems and methods for increasing transaction depth and account breadth are provided herein. In the systems and methods, account data associated with one or more account are received and the...
US20050246277 Transaction processing system  
This invention provides a transaction processing system (10) which includes a first network interface (12) connectable to a mobile communications network (20). The interface (12) is configured to...
US20120310760 MOBILE DEVICE AUTOMATIC CARD ACCOUNT SELECTION FOR A TRANSACTION  
Methods, apparatus and systems are described for the automatic selection of a payment card account for use in a purchase transaction by a payment-enabled mobile device. In some embodiments, a user...
US20050137972 Methods and systems for the processing of credit payment data  
A method for processing child support credit payment instructions is described. The method includes receiving payment instructions from one or more employers on behalf of one or more employees,...
US20090313167 SYSTEMS FOR ELECTRONIC DEPOSIT OF FINANCIAL INSTRUMENTS AND ASSOCIATED METHODS  
Aspects of the present invention are directed to embodiments that include system and methods for electronic deposit of a financial instrument. In one embodiment the system and method are...
US20050038744 Method and system for operating a banking service  
A method and system for operating a banking service are included. The system includes a database (12) for storing client registration data and a unique number, which is preferably the MSISDN or...
US20050125349 Channel services method and system for an electronic real property conveyancing marketplace  
A communications channeling method and system (140) for channeling communications relating to the electronic conveyancing of property selectably presents on-line consumer layer property...
US20130325713 USER RETENTION TRIGGER FEATURE  
Systems and methods for retaining users in their existing relationship with a financial institution are provided herein. Based on account data, comparisons of past and current transactional...
US20060229961 Risk evaluation method and system using ACH data  
A method and system of managing risk associated with a financial transaction. In one embodiment, the method comprises receiving data associated with a plurality of past transactions. The received...
US20120173348 Systems and Methods to Process Payments via Account Identifiers and Phone Numbers  
Systems and methods are provided to facilitate transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data storage...
US20050080738 Systems and methods for determining financial transaction types  
Systems and methods for electronically processing financial transactions involving corporate checks. A front end device at a location associated with a merchant and a check processing service...
US20050108163 Method and system for processing checks  
Returned checks are matched with related bank documents during a mail insertion operation. In the disclosed examples, the method and system utilize an imaging system to read the MICR account code...
US20050021464 Data processing system and method for transmitting of payment advice data  
Systems and methods for transmitting payment advice data from a payment computer system to a payee computer system are provided. An exemplary method may include generating a payment order and...
US20140279480 REMOTE DEPOSIT CAPTURE COMPATIBLE CHECK IMAGE GENERATION IN RESPONSE TO MOTION OF A MOBILE DEVICE  
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device....
US20090037332 Systems 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...
US20080228655 Secure Payment Method and System on Network and Route Server  
A payment system on network provides a platform based on the existing various transaction modes so that the current transaction modes can be operated on the secure payment platform which the...
US20140052632 FINANCIAL CARD FOR ONLINE FUND TRANSFER AND METHOD THEREFOR  
A financial card comprising at least a user identification means including but not limited to a fingerprint recognition scanner and at least a data transfer protocol, and optionally an iris...
US20130036017 Financial card for online fund transfer and method therefor  
Disclosed is a financial card comprising of at least a user identification means including but not limited to a fingerprint recognition scanner and at least a data transfer protocol, and...
US20140279481 MOBILE DEVICE AND APPLICATION FOR REMOTE DEPOSIT OF CHECK IMAGES SECURELY RECEIVED FROM PAYORS  
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device....
US20150262162 MOBILE TERMINAL, METHOD FOR CONTROLLING MOBILE TERMINAL, PROGRAM PRODUCT, AND RECORDING MEDIUM  
The objective is to allow a portable terminal to access a contactless type IC module with a timing that is resistant to receiving effects of other processing and that is unlikely to impart effects...
US20150039502 MISAPPROPRIATION PROTECTION BASED ON SHIPPING ADDRESS OR STORE INFO FROM E-RECEIPT  
Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer...
US20140074705 METHODS AND SYSTEMS FOR PROCESSING ELECTRONIC DISBURSEMENTS  
A disbursement module (DM) computer device is provided for processing an electronic disbursement. The DM computer device includes a memory device and a processor. The processor is programmed to...
US20090043704 Methods, 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...
US20140270463 REMOTE DEPOSIT CAPTURE SYSTEM WITH CHECK IMAGE GENERATION AND STORAGE  
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device....
US20070192247 Method and apparatus for implementing an activity watch for financial accounts  
One embodiment of the present invention provides a system that facilitates an “activity watch” operation on a financial account. During operation, the system receives records for transactions...
US20110295745 SYSTEMS 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...
US20100138269 ARCHITECTURAL DESIGN FOR SELLING PROJECT-BASED SERVICES APPLICATION SOFTWARE  
Methods, systems, and apparatus, including computer program products, for implementing a software architecture design for a software application implementing the selling of project-based services...
US20080255990 On-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...
US20140279482 REMOTE DEPOSIT CAPTURE SYSTEM WITH CHECK IMAGE STORAGE  
A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device....
US20120253974 METHOD AND APPARATUS FOR PROVIDING MEMORY TAG-BASED PAYMENT METHODS  
An approach is provided for memory tag-based payment methods. A transaction management platform receives a payment request via a radio frequency memory tag associated with a device. The...
US20080052233 METHOD AND SYSTEM FOR SCHEDULING A BANKING TRANSACTION THROUGH A MOBILE COMMUNICATION DEVICE  
A method for scheduling a banking transaction using a mobile communication device. The method includes creating a task on the mobile communication device to perform a banking transaction while the...
US20100057614 SYSTEM 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...
US20100287097 Conducting 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...
US20150032615 INTEGRATION OF PURCHASE TRANSACTION LEVEL DATA INTO CUSTOMER ONLINE BANKING  
Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer...