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8275715 Apparatuses, methods and systems for a deposit process manager decisioning engine  
The disclosure details the implementation of apparatuses, methods, and systems for a deposit process manager (“DPManager”) including aspects of a decisioning engine, aspects of a deposit delay com...
8275705 System and method for providing dispute resolution for electronic payment transactions  
A computer-based system and method for resolving disputes between a customer and an electronic payment provider concerning an electronic transaction between the customer and a merchant, including...
8271360 System and method for automatic approval of direct deposit payroll limit increases  
A system and method for automatic approval of direct deposit payroll limit increases includes a computing system implemented process for automatic approval of direct deposit payroll limit increases...
8271372 System and method for econometrically-based grant management  
Systems and methods for grant management are provided. In one example, a computer system tracks grant proposals, calculates a conversion ratio that determines the percentage of grant proposals that...
8267317 System and method for managing and monitoring the dispensing of fuels  
A fuel management system for use by operators of temporary and/or permanent inventories of vehicles such as vehicle dealerships. Fuel vouchers are issued by authorized issuing personnel to...
8271362 Methods and apparatus for providing centralized web services for funds transfer system  
A method of operating a centralized web services computer system includes providing a standard interface for financial institutions (FIs) and for funds transfer service providers that participate...
8271359 Method and apparatus for permitting access to, tracking, and reporting real time transcriptions  
A device and method for permitting access to a real time data stream through prepayments or other payment arrangements and/or calculating a fee corresponding to usage of a real time data stream,...
8271361 Change order template for purchase order document amendment  
Particular embodiments provide for a user configurable purchase order template. A list of attributes for a purchase order template may be created and output to a user. The user may then select...
8271355 Sales force automation system and method  
A sales force automation system and method of facilitating a sales process which integrates computerized intelligent automated salesperson support for multiple phases of the sales process. Various...
8271385 Method, device, and system for completing on-line financial transactions  
A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase...
8261982 Solicitation-response lifecycle tracking and management  
Tracking and management data for a solicitation and response lifecycle is disclosed. The system generates and links tracking data for both the solicitation and the response, generates indicators...
8266075 Electric vehicle charging transaction interface for managing electric vehicle charging transactions  
Illustrative embodiments manage an electric vehicle charging transaction. A set of principals associated with the electric vehicle charging transaction is identified. Electric vehicle charging...
8266022 Risk-cost analysis of currency exposure reduction for currency exposure management  
Methods and apparatuses enable companies to analyze potential foreign currency exposure reduction actions. Value-at-risk (VaR) for currency exposures and cost of potential exposure reduction...
8266024 Transaction accounting auditing approach and system therefor  
Accounting data is classified to facilitate transaction processing and management. According to an example embodiment, data based rules are implemented for classifying transaction-related data into...
8266021 System and method for providing reference cost of fraud data related to financial presentation devices that are presentable to providers of goods or services  
A system for providing industry-wide reference cost of fraud data related to financial presentation devices that are presentable to providers of goods and services is provided. A fraud assessment...
8266058 Virtual accounts linked to financial accounts  
Virtual accounts having alphanumeric identifiers different from an alphanumeric identifier of a financial account are linked to the financial account. Financial transactions performed in relation...
8266064 Purchases for another involving digital content items  
Disclosed are various embodiments of systems, methods, and programs embodied in computer readable mediums for facilitating the purchase involving digital content items by purchasing parties for...
8264715 Approach for implementing locked printing with remote unlock on printing devices  
An approach is provided for implementing locked printing on a printing device with remote unlock. The printing device includes a locked print process that is configured to examine print data...
8260645 Transaction recurrence engine  
Embodiments of the present invention relate apparatuses and methods that allow a financial institution to monitor, group, and store customer transaction data and determine market information...
8258924 Merchandise-integral transaction receipt  
Techniques are disclosed for writing data directly onto a product to record each ownership transfer. As a result, the product itself now carries a traceable, auditable, non-forgeable,...
8255296 System for implementing a security issuer rights management process over a distributed communications network, deployed in a financial marketplace  
A computer network-implemented system recognizes that (i) the security issuer retains (i.e. withholds) the right to lend a debt or equity security prior to security issuance, and (ii) the system...
8255297 Creation, redemption, and accounting in a virtual currency system  
A virtual currency system keeps track of virtual credits, which can be owned, transferred, purchased, and sold by participants in a virtual economy. Each virtual credit has an internal value and an...
8255326 Method and apparatus for mapping sources and uses of consumer funds  
A bill-paying system includes a customer deposit account which receives periodic payroll deposits of an individual or a couple. A bill-paying service enrolls the individual or couple for a fee, and...
8249990 Multi currency exchanges between participants of a networked-based transaction facility  
A method and apparatus for facilitating online payment transactions in multiple currencies between participants of a network-based transaction facility are described. In one embodiment, a set of...
8249958 Allergen-free food expense tracking system  
A website with secure user access enables a registered user to obtain a dashboard report (YTD, or for other customized date ranges) on incremental spending relating to the user's food allergies...
8249959 Communications techniques for an intelligent digital audiovisual reproduction system  
Method for communication between a central server and a computerized juke-box which operates in a conference mode, including: sending a header before any transaction, which includes the identity of...
8249913 Systems and methods for detecting suspect meter reads in a print environment  
A system for detecting suspect meter reads in a print environment may include a computing device and a computer-readable storage medium in communication with the computing device. The...
8249984 System and method for fair-sharing in bandwidth sharing ad-hoc networks  
Systems and methods for fair-sharing in bandwidth sharing ad-hoc networks. A method includes maintaining a borrower account and lender account of a borrower and a lender of an ad hoc network. The...
8249971 System and method for managing investments in infrastructure assets  
A system comprises a memory operable to store financial data associated with a business entity having a plurality of shares. The business entity may receive, directly or indirectly, income...
8249957 System and method for data completion including push identifier  
A system and method for processing push transactions. A payor may initiate a transaction without input from the payee. A system can determine who the payee is from partial information provided by...
8244559 Cloud computing resource broker  
Embodiments for interacting with cloud computing providers are disclosed. In accordance with at least one embodiment, a resource broker receives a request for a computing task that is to be...
8244558 Determining recommended settlement amounts by adjusting values derived from matching similar claims  
Precedent claims that match a pending claim are identified. A general damages amount is determined based on the likelihood value for at least one of the matching precedent claims. A general damages...
8244609 Payment management on mobile devices  
Embodiments of techniques and systems for asynchronous offline bill review and payment are described. A bill payment management module, operated on a manageability engine on a mobile device,...
8243074 Method and system for providing a personalized and dynamic financial caricature graphic  
A dynamic financial caricature graphic whereby financial data associated with a user is obtained from one or more sources. The financial data associated with a user obtained from one or more...
8234188 Method, system and computer program product for managing funds in custodial deposit accounts  
A method, system and computer program product for managing aggregate funds held in custodial deposit accounts by a custodial agent on behalf of a plurality of individuals. According to the present...
8234695 Network security management for ambiguous user names  
A method of managing network security can include receiving a user input comprising a user name and a password, determining whether the input user name potentially corresponds to a plurality of...
8234187 Employer agency enrollment  
A computer-implemented method for enrolling an employer with an agency. The method includes obtaining employer data from the employer, evaluating a requirement to enroll with the agency based on...
8229807 System and method of offsetting invoice obligations  
Methods for resolving invoice obligations are disclosed that include: a) providing at least one sales invoice, wherein each sales invoice comprises a credit value, b) providing at least one...
8229847 Money transfers for tax refunds  
Tax refunds are provided via a money transfer service. Merely by way of example, a taxpayer (or a tax preparer) might provide to the IRS an account number at a bank, as a target for a direct...
8229095 Methods, systems and storage mediums for providing a self-provisioning telephony service  
Methods, systems, and storage mediums for implementing self-provisioning telephony services are provided. A method includes storing an access number at a service control server that services a...
8229809 System and method for use in management of financial assets  
A computer system has a processor; and a memory storage device in communication with the processor. The processor is configured, in a business cycle, to access fund expense calculation data and...
8229808 System and method for providing a distributed decisioning environment for processing of financial transactions  
A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or...
8229806 Computer implemented method of tracking customer spending and income  
Computer implemented methods of tracking customer spending and income are provided. The methods may comprise aggregating spending transactions by estimating income to a customer during a first time...
8229855 Method and system for facilitating payment transactions using access devices  
A payment system for facilitating a payment transaction between a payer and a payee includes a payer access device, a payee access device, and a services hub. The services hub is configured to...
8224729 System and method for managing and evaluating network commodities purchasing  
Comparison values are calculated for evaluating a commercial transaction. A request for quote received from a buyer agent includes a product specification data set that identifies items that differ...
8224726 User interface for tax-return preparation  
A method is implementable in an electronic system coupled to an electronic device, which is, in turn, coupled to a display device. A web page displayable on the display device is served to the...
8224710 Method and system for bidding on multiple auctions  
A method and system for bidding on multiple auctions. The multiple auction bidding system allows a user to define various models for bidding at multiple auctions. The bidding system then...
8224722 Customizable marketing project interfaces  
Systems and methods are provided to enable filtered searches of marketing-related data by extracting marketing project information, including marketing activities, promotions, and campaigns...
8219490 Payment transaction using mobile phone as relay  
Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile...
8219469 Method of providing transaction data, terminal, transaction method, method of enhancing bank statements, server, signals and computer program products corresponding thereto  
A method is provided for supplying data representative of transactions between a client and at least one merchant, via a banking institution. The banking institution issues a statement to the...