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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...
8583497 System for eliminating coins from cash transactions  
A method and system for eliminating a need for coins in cash transactions in most currencies includes a comparison of a sum of a fractional dollar amount of an original transaction amount of a cash...
8583549 Systems, devices, and methods for managing a payment transaction  
Embodiments of the present disclosure include a method for managing a payment transaction. Such a method includes receiving a first transaction information including a first rendered card provided...
8583554 Dependent payment device  
The present invention provides embodiments of a dependent payment device, such as a credit card, for allowing a primary customer to control and monitor the transactions made by a dependent customer...
8577769 Multi-variable transaction system and method  
A system for optimization of variables is provided. The system includes a buyer finance system for receiving asset data and buyer finance data. A seller variable system receives the asset data and...
8577796 Financial charge rebate  
Aspects of the disclosure relate to assisting credit account holders during economic hardship. More specifically, aspects of the disclosure relate to systems and methods for providing a rebate of...
8574065 Controlling player-to-player commerce in video game environment  
Players of a video game can enter contracts and engage in various simple or complex financial transactions employing credit systems such as credit cards, other financial instruments and other...
8577794 System and method for collecting information to facilitate enrollment in an electronic funds transfer program  
A system and method for collecting information to facilitate enrollment in an electronic funds transfer program includes a system operator that solicits prospective participants in the electronic...
8577799 Community gift system, information processing method, and information processing program  
An organizer freely designates a purpose, forms a community, very easily and efficiently collects money from participants, and gives a gift. To accomplish this, a community gift system that, when...
8573478 Image exchange without full MICR qualification  
A system and related methods of correcting errors during check or financial document processing by a bank of first deposit or other entity receiving a paper check or financial document, or by a...
8577735 Interactive gifting system and method with physical and electronic delivery  
A method and system for gifting using interactive multimedia and a gifting system. The gifting system can include a gift card, a website for redeeming the gift card, a plurality of gift...
8577797 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...
8577763 Method of converting cash into virtual cash and loading it to mobile phone cash account  
A method of receiving virtual cash from an outlet through a mobile phone including the steps of: —customer requesting cash-out at an outlet; —customer showing identification and filling out a for...
8573488 Centralized issuer hub for transaction card customization  
The present invention provides a system for card customization including a centralized issuer hub providing a single point of website integration for applicants in different countries or...
8577344 Application of the invoke facility service to restrict invocation of compound wireless mobile communication services  
This invention provides a mechanism for enhancing safe use of wireless mobile terminals (smartphones) in a moving vehicle. The Invoke facility service's Boolean expression controls the conditions...
8577795 System and method for revenue and authorization management  
A system is disclosed for facilitating relationship-centric authorization of transactions in a manner which provides optimum scalability and availability by logically partitioning wallets in...
8577798 Consular kiosks and methods  
Embodiments of the invention provide a method of implementing electronic transfers with government consulates. The method may include receiving, via the interface terminal, a selection of a...
8571983 Gift card combination  
Embodiments of the invention are directed to systems, methods and computer program products for enabling gift card combination. An exemplary apparatus is configured to: receive information...
8571962 Systems and methods for automatically reinvesting certificate of deposits with an increase of the investment  
A system implemented on one or more computer processors may comprise at least one subsystem configured for automatically purchasing a first certificate of deposit for an investor for a specified...
8571978 Method and system for providing assurance and financing services  
A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers...
8571980 System, method and computer program product for transferring money  
A system, method and computer program product are provided for transferring money. In use, requests from a plurality of senders are received utilizing a network. Each request is utilized for...
8571939 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 includes:...
8571976 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...
8571981 Method and system for establishing electronic financial transactions between entities  
One embodiment provides a system that facilitates an electronic transaction between a set of entities. During operation, the system discovers a potential interaction between the entities and...
8571984 Systems and methods for providing enhanced account management services for multiple banks  
Method, system and program product, the method , comprising: generating by first banking institution file comprising transaction information for funds of client transaction accounts to be...
8571960 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts  
A method, program product and system, the comprising: one or more computers, configured for accessing databases comprising: aggregated deposit account information for a plurality of FDIC-insured...
8571982 Capacity customization for fraud filtering  
A multi-stage filtering process and system for fraud detection is disclosed. The multi-stage filtering process allows for the ability to dynamically increase/decrease server capacity, as well as...