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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...
9020858 Presence-of-card code for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
8996416 OCR enabled management of accounts payable and/or accounts receivable auditing data  
A number of different tags are input in a fax cover sheet that tell an OCR system not only the identity of the supplier, but also to which client the document should be routed. The OCR system...
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...
8984282 Identity validation and verification system and associated methods  
A computer implemented system and method verify and validate a user identity for enrollment in a secure personal dataset accessing system. A personal dataset includes identifiable attributes of...
8983867 Multi-dimensional credibility scoring  
A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each...
8959034 Transaction signature for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
8959633 Detecting anomalous behavior patterns in an electronic environment  
The behavior of a group of resources, such as a fleet of servers, can be monitored to attempt to determine a baseline of acceptable behaviors. When a behavior is observed, the baseline can be...
8949151 System and method for transferring a timeshare property  
The present disclosure provides a computer-executable method for executing a web-based program for producing a title transfer document. The method includes sending an instruction to an electronic...
8949145 Systems and methods for the selection and purchase of digital assets  
The present invention provides systems and methods for enabling a customer to sample content and select content for purchasing while the customer is in a retail store. Advantageously, the customer...
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....
8935379 Methods, systems, and products for evaluating electronic data and electronic forms  
Methods, systems, and products are disclosed for evaluating electronic data. A quality of the data is measured. A predefined numeric value is determined that is associated with a gravity of an...
8931058 Systems and methods for permission arbitrated transaction services  
Systems and methods disclosed allow a permitting party to share personal information with a receiving party. The receiving party may use the information to authenticate the permitting party,...
8930261 Method and system for generating a fraud risk score using telephony channel based audio and non-audio data  
Disclosed is a method for generating a fraud risk score representing a fraud risk associated with an individual, the method comprising: a) determining a telephony channel risk score from at least...
8930264 Methods, software programs, and systems for managing one or more liabilities  
The present invention relates to various methods, software programs, and systems for managing one or more liabilities. More particularly, certain embodiments of the present invention relate to...
8930257 System and method for user defined markets for electronic trading  
A system and method for user defined markets for electronic trading is disclosed. In one embodiment, a technology platform is provided that allows a user to define a new market for electronic...
8930228 Interactive systems and methods for insurance-related activities  
Systems and methods for performing insurance related activities are provided. Software can be implemented to provide an application that includes an interactive interface for use by insurance...
8930262 Systems and methods of assisted strategy design  
In an embodiment, a computer system performs a method of modifying a decision algorithm, such as an algorithm for assigning credit limits or other credit terms, via a graphical user interface. The...
8930263 Credit data analysis  
A computer system receives credit information relating to a consumer and a number of high scorers, and determines credit score factors associated with the consumer and the high scorers. The system...
8930268 Online fraud prevention using genetic algorithm solution  
Online fraud prevention including receiving a rules set to detect fraud, mapping the rules set to a data set, mapping success data to members of the rules set, filtering the members of the rules...
8930252 Electronic financial management and analysis system and related methods  
A computing system facilitating electronic bill presentment and payment features for authorized users via a user interface is introduced including an analysis engine. The analysis engine, in...
8924285 Building whitelists comprising voiceprints not associated with fraud and screening calls using a combination of a whitelist and blacklist  
According to one aspect of the invention there is provided a method, comprising collecting voiceprints of callers; identifying which of the collected voiceprints are associated with fraud; and...
8924283 System and method for selectively displaying market information related to a plurality of tradeable objects  
A graphical interface and method are provided for selectively displaying market information corresponding to a plurality of tradeable objects. According to one example method, a scanning feature...
8924273 Simplifying migration from one financial consolidation application to another  
Facilitating the migration of financial data from a first financial consolidation application (FCA) to a second FCA. According to one aspect, transactions classified according to categories in the...
8924286 Distribution of electronic market data  
A system and method are provided that, among other things, can reduce the burden on receiving computers, increase data throughput, reduce system failure, and provide components of a scalable and...
8924294 Methods and systems for routing payment transactions  
Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a...
8924280 Method and system for auctioning funds using a full-time public network  
A method for auctioning funds to a bank or by a depositor using a full-time public network, including several steps. A connection is established (160) to a full-time public network. Bank or...
8918904 Systems and methods for user identity verification and risk analysis using available social and personal data  
A new approach is proposed that contemplates systems and methods to support user identity verification based on social and personal information of the user. Under the approach, customers/users are...
8918338 Method and system for the issuance of instant credit  
A method and system for the issuance of Instant Credit has an Instant Credit engine that performs instantaneous analysis. The method and system can operate along side existing “batch” processes....
8914303 System and method for direct manipulation of a triangular distribution of information using a graphical user interface  
A system and method are provided for direct manipulation of a triangular distribution of information using a graphical user interface. The system includes a graphical user interface for receiving...
8914307 Processing loan transactions  
A method includes receiving, at a client access module, a request from a client to process a loan transaction, wherein the request is associated with a particular loan system. The method also...
8909551 System and method of expedited credit and loan processing  
A system and method of expedited credit approval and lending for an applicant initially pre-qualifies the applicant using an input device to obtain predetermined applicant identification...
8903741 Dynamic credit score alteration  
A method for providing credit score information for a user to the user is provided. The method comprises offering the user an option to obtain information related to a credit score via a computer...
8898081 Systems and methods for providing extra lines of credit  
A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card...
8898087 Method and system for managing and preparing documentation for real estate transactions  
Method and system for preparing and managing real estate transfers and financing, including system for preparation, production and storage of relevant documentation and data contained therein;...
8898088 In-card access control and monotonic counters for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
8892468 Customer refunds by a merchant agent  
A customer can obtain a refund for a credit card purchase by interacting with an agent of the merchant. The existing payment infrastructure is used, but without the direct participation of the...
8881975 Method and system for authorizing card account transactions by geographic design  
A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to...
8886562 Robust payment settlements using distributed and potentially unreliable computer systems  
Settlement transactions are processed on a distributed computer system. Settlement data describing a settlement request are received and stored in a settlement storage. The storage includes a...
8880432 System and method of using electronic funds transfer to complete payment for goods and services  
A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected...
8868048 Apparatus and method for managing electronic transactions  
In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a...
8868456 Method and apparatus for managing financial control validation processes  
The invention comprises a method and apparatus for determining compliance of at least one financial control. Specifically, the method comprises obtaining the at least one financial control where...
8857710 Method and system for assessing merchant risk during payment transaction  
Systems and methods for assessing transaction risk. A consumer tenders a transaction card to a merchant to purchase a good or service. A payment device of the merchant, such as a merchant's...
8857708 Automatic classification of credit card customers  
According to embodiments of the present invention there is provided a computer-based method and a computer program product for automatically sorting customers who make purchases from merchants...
8843404 Joint pricing and replenishment of freshness inventory  
Joint pricing and replenishment of freshness inventory or products having different qualities determines the joint pricing and inventory strategies to optimize the retailer's benefits from product...
8843410 Systems, methods, and computer program products for supply chain finance  
Systems and methods for providing supply chain financing that include receiving a request to finance an asset of a borrower, where the asset is associated with goods provided by a supplier to a...
8843411 Gaming industry risk management clearinghouse  
Systems, methods, apparatus, computer program code and means for gathering, organizing and presenting on a real time basis information pertinent to Risks associated with subjects related to the...
8838803 Methods and apparatus for management of user presence in communication activities  
Systems and techniques for mediating user communications. A user persona manager maintains one or more user profiles and manages user interactions with other parties and with service providers...
8838491 Method and system for an integrated approach to collections cycle optimization  
Methods and systems are provided for an integrated approach to collections cycle optimization including optimizing personnel, communications, and collection resolutions, resulting in reducing the...
8838498 Social network platform for underwriting  
A social networking platform for peer-to-peer underwriting is disclosed. A user's social network acquaintances may be contacted or otherwise polled to determine their agreeability with serving as...