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US20110270750 System and method for securing payment instruments  
A system and method for securing financial information in payment instruments including generating a pseudorandom number sequence, generating an activation code, including a unique pseudorandom...
US20150006382 SYSTEMS AND METHODS FOR IMPLEMENTING MONEY ORDERS  
A user may use an online payment account of a payment service provider to convert an electronic payment into a code, e.g., a barcode, an image, a Quick Response (QR) code, or the like. The code...
US20150019435 SYSTEMS AND METHODS TO GENERATE A RECEIPT FOR A TRANSACTION  
A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to...
US20130246273 SYSTEMS AND METHODS TO GENERATE A RECEIPT FOR A TRANSACTION  
A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to...
US20110066513 METHOD AND SYSTEM FOR SECURE MOBILE PAYMENT  
A method for processing a payment relating to a transaction between a debtor and a creditor. The method includes displaying an amount of payment, and transmitting an authorisation message between...
US20140081784 PAYMENT METHOD, PAYMENT SERVER PERFORMING THE SAME AND PAYMENT SYSTEM PERFORMING THE SAME  
A payment server that includes a payment request receiving unit configured to receive a payment request code including a first partial payment code, and a payment code determination unit...
US20140081868 SYSTEMS AND METHODS FOR TRANSFERRING VALUE  
Systems and methods are provided for transferring value from a first user to a second user by using substantially random codes that are associated with the values to be transferred. A trusted...
US20140081867 SYSTEMS AND METHODS FOR TRANSFERRING VALUE  
Systems and methods are provided for transferring value from a first user to a second user by using substantially random codes that are associated with the values to be transferred. A trusted...
US20140143145 ENVIRONMENT AND METHODS FOR ENABLING ELECTRONIC TRANSACTIONS  
A method includes receiving a request for registered payment options associated with a user computing device, where the request includes an identifier uniquely identifying one of the user...
US20150206144 MULTI-LAYER TRANSACTION TRACKING  
Embodiments for tracking multi-layer secured transactions include systems for receiving request for pre-authorization from a user and sending pre-authorization code to the user in response to the...
US20150088742 APPARATUS AND METHOD FOR SECURED COMMERCIAL TRANSACTIONS  
A transaction security code database and a method and apparatus for generating the transaction security code database. The transaction security code database is comprised of multiple transaction...
US20150161589 TIPPING AN INDIVIDUAL USING A SMART PHONE  
A tip can be provided to an individual using a smart phone. A smart phone can be configured with an application that scans a code that can be worn by a service individual. The code can uniquely...
US20120323785 METHOD OF USING PAPER CHECKS THAT ARE TIED TO PREPAID DEBIT CARD AND CASHED ONLY BY DESIGNATED ENTITIES  
A method is provided of using paper checks to debit funds maintained in a debit card bank account that is associated with a person. A plurality of unique serial numbers are assigned by the debit...
US20150161602 METHOD AND SYSTEM FOR SPLIT-HASHED PAYMENT ACCOUNT PROCESSING  
Methods and systems for receiving an authorization request associated with a transaction, the authorization request including an account code; receiving a user code to associate with the account...
US20140067675 AUTHENTICATION USING DYNAMIC CODES  
Systems and methods for processing payments using a dynamic security code are provided. A dynamic security code generator may generate one or more dynamic security codes and transmit the plurality...
US20130159188 AUTOMATIC USER VALIDATION SYSTEM AND METHOD  
Methods and apparatus support optional user authentication. Whether an authentication, or an enhanced type of authentication, is required before proceeding with a transaction can be determined on...
US20130080324 EASY CREATION OF MOBILE PAYMENT CODE  
A user is presented with a first display with parties to a payment transaction and a second display on the same screen, where the user can drag and drop the parties on the first screen to the...
US20140067674 SMARTPHONE BARCODE TRANSACTIONS  
Systems and methods for processing payments using a dynamic security code are provided. An account authorization system may generate a plurality of dynamic security codes and transmit the...
US20140067566 SMARTPHONE BARCODE TRANSACTIONS  
Systems and methods for processing payments using a dynamic security code are provided. An account authorization system may generate a plurality of dynamic security codes and transmit the...
US20110288994 Deposit Permissions For Non-Account Holders  
Systems and methods for generating an access code are described. A first request to generate an access code for permitting a first individual to deposit monetary funds into an account associated...
US20140129450 SECURE PAYMENT METHOD AND SYSTEM  
Representative embodiments of a server-based method of facilitating payment by a user registered with the server include, at the server, generating and storing, for the user, a code readable by a...
US20140019358 SECURE PAYMENT METHOD AND SYSTEM  
Representative embodiments of a server-based method of facilitating payment by a user registered with the server include, at the server, generating and storing, for the user, a code readable by a...
US20140149292 MERCHANT CATEGORY CODES IN A PROXY CARD TRANSACTION  
Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request...
US20140040130 MERCHANT CATEGORY CODES IN A PROXY CARD TRANSACTION  
Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request...
US20130151411 DIGITAL AUTHENTICATION AND SECURITY METHOD AND SYSTEM  
A method and system for activating a user account and digitally securing electronic transactions is disclosed. The method and system includes the steps providing a code and PIN, requesting the...
US20140122114 SYSTEM AND METHOD FOR USER CONTROLLED LOG-IN; INTERACTING AND LOG-OUT  
A system in which a user controls the log-in, transaction, and log-out process with respect to a merchant. The user's presence at the merchant's facility triggers the log-in process, such that the...
US20140101052 MOBILE FINANCIAL TRANSACTION SYSTEM  
A computer system and computerized methods enable users to conduct financial transactions in a secured manner without using traditional financial instruments, such as credit cards, debit cards,...
US20140122331 System and Method for Providing a Security Code  
Systems and methods for providing a security code of an electronic stored value card are disclosed. A computer implemented method may include receiving a request for a security code of an...
US20120158586 AGGREGATING TRANSACTION INFORMATION TO DETECT FRAUD  
A fraud management system is configured to receive a transaction from a merchant; select rules to use to process the transaction; process the transaction using the selected rules to generate a set...
US20140108166 MERCHANT CATEGORY CODE ("MCC") BASED ACCEPTANCE COST RECOVERY  
Methods and apparatus for recovering a transaction cost in connection with a transaction between a customer and a merchant are provided. The transaction cost may be recovered from a transaction...
US20100332391 SECURE AUTHENTICATION BETWEEN MULTIPLE PARTIES  
Systems and methods are disclosed herein to allow a party to a multiple-party transaction to perform authentications using identification information received from another party while allowing the...
US20150206143 LINE ITEM PROCESSING IN A MULTI-LAYER TRANSACTION TRACKING SYSTEM  
Embodiments for reviewing and processing transactions include are provided. In an embodiment, the system is configured to receive a request for a pre-authorization code from a user; determine the...
US20140081866 METHOD FOR TRANSMITTING A CODE  
The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit 3, the code...
US20130006864 METHOD FOR TRANSMITTING A CODE  
The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit 3, the code...
US20130103587 SECURE AND PORTABLE PAYMENT SYSTEM  
Payment systems are provided that utilize a portable device, and in particular, payment systems that utilize a first portable device that belongs to a seller and a second portable device that...
US20110137748 Systems and Methods for Virtual Credit Card Transactions  
The present invention is directed to methods and devices for secure virtual credit card transactions. In one embodiment, a consumer system initiates a transaction with a merchant system. The...
US20140214678 ONLINE PAYMENT  
The present disclosure relates to computing systems that support authorization of payments to online merchants. The computer receives from the merchant or a financial institution of the merchant...
US20140358785 SYSTEM AND METHOD FOR PAYING A MERCHANT BY A REGISTERED USER USING A CELLULAR TELEPHONE ACCOUNT  
A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device.
US20140172711 SYSTEM AND METHOD FOR PAYING A MERCHANT BY A REGISTERED USER USING A CELLULAR TELEPHONE ACCOUNT  
A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device.
US20140172710 SYSTEM AND METHOD FOR PAYING A MERCHANT BY A REGISTERED USER USING A CELLULAR TELEPHONE ACCOUNT  
A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device.
US20110078042 SYSTEM AND METHOD FOR FACILITATING ELECTRONIC COMMERCE WITH CONTROLLED SPENDING OVER A NETWORK  
In accordance with embodiments of the present disclosure, systems and methods for facilitating electronic commerce over a network include receiving a transaction request from a merchant on behalf...
US20120284190 Intersystem Single Sign-On  
Techniques for intersystem Single Sign-On use intersystem user ID mapping to map user IDs of multiple systems. In one implementation, a method obtains a user's ID information associated with a...
US20150120546 ACCOUNT LOCKING USING TRANSACTION CODES  
Described herein are systems and computer-implemented methods for configuring a payment account in an account hierarchy using transaction codes that carry transaction information. The transaction...
US20140095384 Systems and Methods For In Store Shopping With Instant Cash  
Systems and methods are disclosed herein for a buyer who does not have an immediate source of funds to request funds in the form of instant cash from a third party account holder of a payment...
US20110270756 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...
US20150248676 TOUCHLESS SIGNATURE  
Methods and systems for facilitating secure payments are described. A user signature is shared with a merchant without providing an actual signature to the merchant. A signature code encoded with...
US20100318463 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...
US20140310171 CERTIFIED PERSON-TO-PERSON PAYMENT SYSTEM  
Disclosed is a system for providing certified person-to-person payments. The system is typically configured to (i) receive payment instructions from a payer, wherein the payment instructions...
US20100299195 SYSTEMS AND METHODS FOR IMPLEMENTING FINANCIAL TRANSACTIONS  
A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a...
US20130097082 Electronic Credit Card-ECC  
An Electronic Credit Card (ECC) including a user verifier for verifying a user's identity, a code generator for generating a unique authorization code for the user, storage of the user's account...