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9043237 Systems and methods for making a payment using a wireless device  
Embodiments of the invention provide methods and systems for performing a payment transaction. A method for performing a payment transaction may include receiving purchase information from a...
9043238 Data visualization system  
The present invention provides a method implemented by a computer for generating an image on a display that represents a plurality of transactions as lines connecting points in the display...
9037508 Formation and rearrangement of ad hoc networks  
Systems and methods for the formation and rearrangement of ad hoc networks and more particularly to systems and methods for sharing bandwidth in ad hoc networks. The method comprises broadcasting...
9037490 Two phase payment link and authorization for mobile devices  
Aspects of the invention are directed to a two phase payment link and authorization method and system for mobile devices. A method for payment and authorization according to an embodiment...
9033246 Methods and systems to remotely issue proximity payment devices  
Methods and apparatus for issuing a payment device from a remote dispensing device are provided. In an embodiment, a dispensing device receives a purchase request including a load amount, to...
9037476 Providing a wireless 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...
9031874 Methods, systems and agreements for increasing the likelihood of repayments under a financing agreement for renewable energy equipment  
A system is provided for increasing the probability of timely receiving payment under an agreement between a consumer and a non-utility entity for providing financing for renewable energy consumer...
9031873 Methods and apparatus for analysing and/or pre-processing financial accounting data  
In an on-line method of analyzing financial accounting data, uploaded financial accounting data is received at a server (2) from a client computer (3). The data is analyzed at the server (2) to...
9031875 System and method for reusing payment authorizations  
Various embodiments may include a payment management system including an authorization reusability component. The payment management system may be configured to, subsequent to a customer providing...
9026468 System and method for proactively establishing a third-party payment account for services rendered to a resident of a controlled-environment facility  
Systems and methods for proactively establishing a third-party payment account for services rendered to a resident of a controlled-environment facility (“CEF”). A campaign-triggering event is...
9026469 Electronic manager of financial information for retail transactions  
An Internet based system for executing transactions is described. The system may include transaction data, a database, a business logic manager and user profiles. A rules may also be included, and...
9026467 Systems and methods for monitoring and detecting fraudulent uses of business applications  
A systems and methods are described detect fraud in existing logs of raw data. There can be several disparate logs, each including data of disparate data types and generated by different and...
9019066 Terminal  
A terminal, such as an automated teller machine, comprises: a customer identification device; a sensor for detecting presence of a customer at the terminal; and a controller coupled to the...
9020850 Method and system for implementing effective governance of transactions between trading partners  
An embodiment of the present invention is directed to receiving a first independent log from a first trading partner wherein the first independent log comprises at least one request log entry...
9015073 Controlled creation of reports from table views  
A method comprising creating and storing, in memory of a computer, a graph having nodes and edges, wherein the nodes represent financial assets and any one or more of: accounts in which one or...
9015074 Device and method for facilitating financial transactions  
A device, system, and method for conducting a secure transaction over a network includes receiving from a user, being issued a stored-value financial instrument, a dollar amount to be associated...
9008290 Method and apparatus for increased call revenue collection  
A call revenue enhancement system for a prison telephone system allows prisoners to make and initial call to a dialed number, and automatically prompts the called party to set up a credit card to...
9009807 Smart device lockout  
Methods and systems for operating a Smart Device 102 with a secure communication system. A SPARC Security Device (SSD) 104 is in communication with one or more Smart Devices 102. SSD 104 receives...
9002741 System for market hedging and related method  
A system includes a data collection module that collects data for a plurality of fuels. A selection module selects fuels from the plurality of fuels based on the properties of the fuels to...
9002739 Method and system for signature capture  
Advanced internet-connected devices, such as smart TVs, can be used for conducting online transactions. Online transactions often lack an effective mechanism to prevent repudiation of the...
9002740 Systems and methods for determining a quantitative retail sentiment index from client behavior  
Systems, methods, and instructions stored on computer-readable mediums for calculating a volatility score for each of a plurality of securities and calculating a reference volatility score for a...
8996481 Method, system, apparatus, program code and means for identifying and extracting information  
Some embodiments include a system, method, apparatus and means for identifying and extracting information include generating a list of information sources, each selected as having information...
8984050 Consistent interface for sales territory message type set 2  
A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by...
8983866 Automated encoding of delta operators  
In one example, a method includes: receiving a first input value associated with a first data field; responsive to determining the first data field is associated with a delta operation, selecting...
8977565 Interprogram communication using messages related to groups of orders  
A trading platform and trading method that allows access to additional pools of liquidity is described. Other embodiments are also described.
8977570 System and method including chip-based device processing for transaction  
Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and...
8973820 Client customized virtual or physical card for use with selected merchants  
A client selects several merchants with whom the card may be redeemed, the amount redeemable, and a design for the card, which is personalized for the card recipient.
8977615 Zoom interface component for integrated rating system  
A zoom in/out interface to a ratings system provides navigation to users for inspection and interaction with prescribed indicators underlying an integrated rating of a company's performance. The...
8977566 Virtual world reversion rights  
A method and system provides transactions and arrangements in virtual world environments. A user can participate in transactions to acquire virtual property and related virtual rights. In some...
8973111 Method and system for securing electronic transactions  
A method for secure electronic transaction over a computer network, comprising: at a trusted relationship profile server computer: storing a unique identity of a trusted computing unit; generating...
8972497 Automated encoding of field operators for absent fields  
In one example a method includes: selecting, by a computing device, a message description that indicates a pre-defined operator is associated with a message data field; receiving, by the computing...
8967462 Receipt number generation  
The present subject matter relates to a computer-implemented method for generating a receipt number. The computer-implemented method includes generating a receipt number generation request in...
8972295 Dynamic visual statistical data display and method for limited display device  
Embodiments include methods for distributing visual display information related to a plurality of items to one or more display devices, and methods for rendering visual display information related...
8965803 Virtual world reversion rights  
A method and system provides transactions and arrangements in virtual world environments. A user can participate in transactions to acquire virtual property and related virtual rights. In some...
8965799 Reading, organizing and manipulating accounting data  
A financial reporting system for reading, organizing and manipulating any accounting data and producing financial reports that may be customized to the preferences of the user. In one embodiment...
8965804 Swap index  
A financial instrument is provided with one or more indices underlying the financial instrument. Each index allows accurate tracking of interest rate swap (IRS) markets. The indices are calculated...
8966065 Method and apparatus for managing an interactive network session  
Methods for controlling online session inactivity timeouts between a user terminal and a server involves the server polling the user's local terminal to determine whether the user presence at the...
8966640 Security risk aggregation and analysis  
Methods and apparatuses, including computer program products, are described for transaction-based security risk aggregation and analysis. A server computing device receives security risk data...
8959031 Trade execution methods and systems  
One embodiment of the present invention relates to securities trading using electronic systems. Another embodiment of the present invention relates to a computer implemented trade execution...
8957869 Electronic device and method for dynamically formatting monetary expressions  
An electronic device is provided, having a processor configured to automatically format monetary expressions.
8954352 Method and apparatus for provisioning financial data  
A method and apparatus for storing financial data utilizing a communications network is described. In one embodiment, provisioning access is provided to a plurality of unrelated financial...
8953228 Automatic assignment of note attributes using partial image recognition results  
Assigning attributes to an image includes determining a particular capturing device used to obtain the image and detecting attributes of the image based on image data, where an expected location...
8949150 Fraud detection system automatic rule manipulator  
Embodiments of the invention are directed to a fraud detection system that automatically converts the currency and value of received transaction data to correspond to the currency in fraud...
8939360 Providing user information by presenting readable indicia with mobile device  
Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant during a transaction. Embodiments may generate a readable...
8938397 Systems and methods of facilitating trading of instruments  
Systems and methods of facilitating trades of instruments are provided. A master node and a plurality of intermediate nodes store counterparty credit matrices. Trades are executed based on the...
8938398 Management of biometric information  
Fraud risk is monitored in financial transactions. Biometric information is received over the communications interface configured to exchange data with multiple distinct financial institutions....
8938462 Adaptively assessing object relevance based on dynamic user properties  
Provided are techniques for assessing object relevance. One or more user usage patterns are retrieved. Object properties of one or more objects are retrieved. The one or more user usage patterns...
8935182 Electronic commerce using a transaction network  
The present invention is directed to a transaction network that facilitates and simplifies purchase transactions between any number of customers and any number of merchants. The transaction...
8935181 Municipal bond tracking and evaluation system  
The present invention relates to a web-application that gathers raw data and meta data, matches debt related data with corresponding meta data, marks the debt data so that the resulting data...
8930265 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...