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8600876 Customer assistance system  
An apparatus may include a network interface configured to receive data from and communicate data to a remote electronic device and a processor coupled to the network interface. The processor may...
8596529 Interactive interface effectuated vending  
The present invention relates to a system and method which effectuates an interactive interface and protocol for interfacing a payment module (system 500) to and data communicating with a computing...
8600880 Method and system for providing point of sale services  
A system for transmitting information between a seller and a supplier uses a web services application to interface between a seller application and the supplier's server. The web services...
8600881 System and method for uniquely identifying point of sale devices in an open payment network  
A system, apparatus, and method for using a point of sale (POS) terminal as part of an electronic payment transaction. A unique number, code, alphanumeric character string, or other form of...
8600782 Automation of auditing claims  
Described are computer-based methods and apparatuses, including computer program products, for automation of auditing claims. A data file is received comprising one or more auditable items, each...
8600877 Customer assistance system  
In accordance with embodiments of the present disclosure, an apparatus may include a network interface configured to receive data from and communicate data to a remote electronic device and a...
8600869 System and method for assigning a line of credit to a credit card account  
A system assigns a credit limit to an account for a credit card of a card holder based on whether the card holder poses an acceptable risk. The system activates an account for the credit card,...
8600879 Method and system for effecting payment by checks through the use of image replacement documents  
According to one embodiment of the present invention, a computerized method for effecting payment by a check includes electronically receiving payment information for a check drawing on a checking...
8600882 Prepaid card budgeting  
In general terms, embodiments of the present invention relate to methods and apparatuses for providing one or more prepaid cards, prepaid card accounts, and/or prepaid card account services. For...
8600883 Mobile barcode generation and payment  
An application on user's mobile device (having a display screen) generates a transaction-specific barcode on the display, where the barcode contains a plurality of funding sources for the...
8600845 System and method for reconciling one or more financial transactions  
A system, method and computer program product for reconciling one or more financial transactions of one or more business units. The method includes capturing transaction data from the financial...
8600872 System and method for detecting account compromises  
A method of identifying a point of compromise includes accessing data stored in a data storage system, the data being associated with a plurality of identified at-risk accounts, identifying a...
8595102 Insured deposit note program  
A method for alternative methods of processing customer deposit offers through an automated insured deposit management system by placement of investor funds with and through one or more SPE's in...
8595083 Method and system for processing internet payments using the electronic funds transfer network  
Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is...
8595137 Bankcard cash disbursements at casinos  
A method for processing cash advance transactions in a casino having an authorized MCD processor and, in particular, for processing non-service fee/surcharge transactions as Manual Cash...
8595131 Method for paying for a service offered by means of a data network  
A method is proposed for acquiring a service sold over a data network (20) against presentation of a transaction medium (2). The service is ordered by a user (1) by a user end system (10) from a...
8595032 Computer apparatus and method for illustrating, issuing, and managing disability coverage for retirement plans with individual accounts  
A system and method for providing insurance protection against loss of contributions to tax favored defined contribution plans should an active employee/participant become disabled. The invention...
8595134 Apparatus and method for bill presentment and payment  
A bill presentment service, wherein bills received from a plurality of billing entities are made available to a plurality of consuming entities via a plurality of consuming entity service...
8595096 Prioritizing checks for electronic check processing  
Prioritizing checks for electronic check processing based on check characteristics, such as check values, receiving institutions associated with the checks, and/or delivery methods associated with...
8595109 Systems and methods for securitizing a commodity  
A method for creating trust shares in a physical commodity, the trust shares being tradable over an electronic communications network, includes receiving a creation order comprising a request to...
8595133 System and method for satisfying a transaction amount from an alternative funding source  
Systems and methods for paying a transaction amount at a point of sale (e.g. a physical point of sale or a virtual point of sale) are disclosed. The systems and methods are configured to monitor...
8595040 Associate risk analysis  
Methods and apparatus according to the invention are directed towards providing means for identifying a selection of entity associates that may contain a perpetrator of claimed fraud against an...
8595132 System and methods for servicing electronic transactions  
A method for using an electronic transaction device with an electronic transaction service provider may include the steps of registering the electronic transaction device with the electronic...
8589294 System and method for transferring a line of credit balance to a cash account  
The present invention provides an automated system configured to facilitate transfers of cash value from one or more lines of credit to one or more deposit accounts or payment systems. An automated...
8589287 Hybrid account  
A system, according to one embodiment, includes a hybrid account provided by an issuer to a user, the hybrid account having a balance, the balance being either positive, zero, or negative; and a...
8589292 Creating a market for unbiased private individual data  
A market for unbiased private individual data is disclosed. A data market maker managing the market collects information from owners of private individual data on their privacy and risk attitudes....
8589261 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...
8589269 System and method for funding companies  
A system and method for funding investment seeking companies (ISCs), e.g., startup companies, by a funding company is disclosed. For each of the ISCs, in exchange for private equity therein, the...
8589293 Message routing using logically independent recipient identifiers  
Embodiments are directed to methods for routing messages using logically independent recipient identifiers and server computers operable to implement those methods. In one embodiment, an...
8589270 Retail planning application and method for consumer products  
An improved forecasting and modeling tool for planning and estimating sales of consumer products, including social expression products in a retail operation. The tool enables retailers to create a...
8589289 System, method and program product for administering fund movements  
A method, system and program product, the method comprising: accessing, one or more electronic databases, comprising: (i) aggregated account information for a plurality of government-backed insured...
8589271 System and method for verification, authentication, and notification of transactions  
A system and method are provided for verifying, authenticating, and providing notification of a transaction such as a commercial or financial transaction, with and/or to at least one party...
8589267 System and method for re-distributing and transferring mobile gift cards  
A system and method for re-distributing and transferring mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a particular mobile gift card...
8589291 System and method utilizing device information  
A method for correlating information received directly from an access device operated by a user, and information from a merchant server is disclosed. The method includes receiving, at a server...
8589236 Mobile payment station system and method  
A mobile device is used to initiate and execute a transaction between a customer and a merchant. A mobile device is used to initiate a point of sale transaction, wherein a merchant ID is sent to a...
8589288 System and method for electronic remittance of funds  
A system and method for enabling the remittance of funds is provided. More particularly, the fund remittance process of the present invention enables a sending entity having a source account at a...
8589297 Prepaid value account with reversion to purchaser systems and methods  
Systems, methods, and devices are described for a refundable prepaid transaction cards. The methods and systems include a prepaid transaction card funded with funds by a purchaser. Also included is...
8589262 Technique for computing relevancy between tax information  
The disclosed embodiments relate to a computer system that facilitates identifying additional tax information. During operation, the computer system receives tax information. Next, the computer...
8589290 Systems and methods to identify carrier information for transmission of billing messages  
In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of...
8589295 Transfer account systems, computer program products, and associated computer-implemented methods  
A financial institution computer maintains a list of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by select...
8583515 Transfer account systems, computer program products, and associated computer-implemented methods  
Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of...
8583550 Financial account related trigger feature for detecting changes in financial ratios  
Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial...
8583546 Electronic cash letter processing  
Various embodiments are disclosed for processing image cash letter files comprising transactions directed to a first image exchange system and transactions directed to a second image exchange...
8583547 Precious metal financial instrument  
In accordance with the principles of the present invention, a computer-implemented precious metals investment product and process for pricing a precious metals composite product are provided. A...
8583499 System for secured transactions over a wireless network  
A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user...
8583477 Methods and apparatus to determine effects of promotional activity on sales  
Example systems, methods, processes, and apparatus for determining expected base sales for a product include obtaining sales data for a product sold at a point of sale location. The sales data can...
8583534 System and method for multi-market risk control in a distributed electronic trading environment  
A system and method are provided for distributed risk management. According to one example embodiment, a central risk controller is provided that can communicate with a plurality of local risk...
8579192 Banking system controlled responsive to data read from data bearing records  
An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that...
8583548 System and method for making payments via a network  
A system and method ranks funding sources to make payments according to user preferences, which may be both explicitly provided and learned, and the benefits and costs of using such funding...
8583498 System and method for biometrics-based fraud prevention  
The system employs the use of biometric authentication, a fraud control gateway and widget, and a point of sale sensor to restrict the use of credit cards or other financial tokens to authenticated...