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8606676 System and method for allocating excess funds in control account  
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...
8606701 Establishing personalized mobile money transfer limits  
Methods and arrangements for establishing financial transfer limits. A customer reputation score for mobile money transfer is determined. A mobile money transfer limit is established based on the...
8606699 Management system for the protection of mortgage equity  
A computer system for managing mortgages of mortgage holders with a no foreclosure rule interconnected to funding institutions maintained as a club. The system has input devices capable of...
8606700 Systems and methods for secure and transparent cardless transactions  
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a...
8606691 System, method and computer program product for determining loan purchase eligibility  
A system, method and computer program product for determining purchase eligibility of a financial product; including, classifying the financial product according to an ontological model into one...
8606697 Method and system for providing buyer bank payable discounting 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...
8606719 System for management of alternatively priced transactions on network  
A system and method thereof, comprising means for: communicating through at least one computer network interface with each of (i) a plurality of providers of accountable resources, and (ii) a...
8606909 Real-time notification of presence availability  
Embodiments of the present invention provide a system and method for providing presence status information of a first user to a second user. The system includes a presence server for storing...
8606662 Methods and systems for managing co-brand proprietary financial transaction processing  
A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing...
8606703 Method for transferring money using email  
Method, systems, and apparatus for receiving the email message from a sender device; identifying, using data processing apparatus of a payment service system, a sender email address, a service...
8606702 Financial transaction authentication servers, methods, and computer program products for facilitating financial transactions between buyers and sellers  
A financial transaction authentication server includes a wireless network interface that is configured to receive fund transfer requests from a buyer via a wireless communications terminal, a...
8606698 Electronic transaction receipt system and method  
In connection with a sales transaction, an electronic receipt is issued to the buyer that includes hyperlinks. A hyperlink can be associated with post-sale interaction with the product seller, the...
8602300 Systems and methods for dynamically valuating a gift card  
A gift card that dynamically changes its value based on how it is used. For example, a gift card may have a different value in accordance with a merchant where the card is used, a merchant...
8600894 Three-stage, double blind credit rating of securities  
Disclosed is a computer-implemented system and method for rating an asset, and, in embodiments, a system and method for performing a double-blind, three stage credit rating of a securitized...
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...
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...
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...
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...