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8150748 |
Systems and methods for dynamic configuration of software agents for transfer operations
Systems and methods for providing the dynamic configuration of software agents for transfer operations are described. The apparatus may include a transaction processor to receive and execute...
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8150727 |
Content and advertising material superdistribution
Embodiments provide content and advertising material superdistribution. In one embodiment, a method of distributing content and advertising material may be provided. The method may include:...
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8150763 |
Systems and methods for staging transactions, payments and collections
The present invention relates to systems and methods for staging transactions and facilitating payments by consumers to a lender or merchant to consummate a financial transaction and/or to maintain...
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8150746 |
Global account reconciliation tool
A global reconciliation software tool is provided to standardize reconciliation processes across various corporate lines of business. The reconciliation tool provides standard templates for...
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8145510 |
Program for alternative funding of employee and retiree benefits
An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or...
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8145550 |
Field 55 data relationships
A data mining device, method, and apparatus configured to associate customer exclusive data from a payment card or device after a financial transaction. A financial transaction processing system...
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8145567 |
Transaction ID system and process
A system and process for creating, maintaining, and using transaction identifiers, i.e. a transaction DNA, is provided. The DNA, along with other transactional information, is sent through a set of...
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8145549 |
System and method for offering risk-based interest rates in a credit instutment
A system and method for communicating an offer to apply for a credit instrument is provided. A processing allows for processing credit history data. A calculating step allows for calculating a...
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8141776 |
System and method for implementing a virtual automated teller machine
Method and system for implementing a virtual automated teller machine (“VATM”) system are described. In one embodiment, the system includes a VATM host connectable to each of a plurality of dis...
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8145566 |
Method and system for notifying customers of transaction opportunities
A standalone notification system, including a notification server which generates electronic messages for alerting customers of potentially fraudulent activity on one or more of their financial...
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8145565 |
Credit card account shadowing
Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g.,...
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8140432 |
Aggregated postal billing and payment methods and systems
A computer-implemented method for a trusted entity such as a Post Office to process bills from a plurality of billers includes generating aggregated listings of bills to be submitted each...
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8140422 |
System, method, and computer program product for managing securities funded by a municipal arbitrage portfolio (MAP)
A system, method, and computer program product for managing securities funded by a municipal arbitrage portfolio (MAP) are set forth herein. A computer receives a daily valuation of a portfolio of...
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8140434 |
System for making funds available for gaming
A system for making funds available for gaming which includes a terminal which is configured to read customer information from a card. The terminal includes an input/output unit configured to allow...
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8140421 |
Automatically determining a current value for a home
A facility for valuing a distinguished home located in a distinguished geographic area is described. The facility receives home attributes for the distinguished home. For each of a plurality of...
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8140418 |
Cardholder-not-present authorization
There is provided a method and system for real-time authorization of cardholder-not-present transactions. An authorization request application may be implemented on an electronic device, such as a...
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8140431 |
Dynamic financial liability management
Financial liabilities are dynamically managed by receiving liability information relating to a client associated with multiple financial liabilities. Each financial liability is associated with a...
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8140419 |
System and method facilitating competitive advantage in issuing financial paper
Financial instruments, particularly time certificates of deposit issued primarily by banks in the form of a contract between the depositor and the financial depository to typically pay an fixed...
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8140430 |
Escrow accommodation system
An escrow accommodation system adapted for deployment in the offices of brokers, mortgage companies, lending institutions and title insurers to facilitate remote video-conferencing of potential...
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8140417 |
Data transmission system and data transmitting method
A data transmission system is provided that enables a user to move away before the completion of data transmission regardless of whether a refund is made in association with occurrence of a...
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8140433 |
Method for making secure transactions carried out with cards provided with an owner identification number
The invention concerns a method for carrying out a transaction comprising prior steps of identifying the card by reading its number and authenticating the bearer optionally by writing in the secret...
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8140415 |
Automated global risk management
A computerized risk management method and system for facilitating analysis and quantification of risk associated with a financial transaction. An automated global risk management system maintains a...
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8132734 |
Financial transaction card with storage chamber
A financial transaction card includes a housing and an account identifier. The housing includes a soft and pliable material and defines a chamber configured to maintain at least one item. The...
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8135634 |
System and method for automatic payment of financial obligations
The present invention is a method for managing funds in anticipation of paying at least two financial obligations, such as an estimated tax payment and a mortgage payment. The due dates and amounts...
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8135642 |
Resilient messaging system and method
A computer-implemented system for processing a customer application for a wireless telecommunications device is provided. The system includes a first credit component to obtain first credit...
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8132723 |
System and method for immediate issuance of transaction cards
A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon....
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8135644 |
Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment
One or more methods and apparatus for facilitating financial and player tracking/reward transactions. In one embodiment, a system includes at least one server and a plurality of gaming machines...
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8135640 |
System and method for making a synthetic cash advance using a purchase payment exchange
System and method provide for making a synthetic cash advance to a credit cardholder via a purchase-payment exchange. A beneficiary selects an item to be purchased by a cardholder for the...
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8135633 |
System and method for change management and transaction versioning
An accounting tool may be used to manage financial data for an organization. The accounting tool may support the closing of accounting periods for the finances of the organization. The accounting...
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8135621 |
System and method for supporting anonymous transactions
A method for supporting anonymous transactions includes storing a first profile comprising first information associated with a first client. The first information includes identifying data and...
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8128487 |
Compensating participants of virtual environments
Methods, systems, and computer program products for compensating participants of events or activities of virtual environments, such as on-line games, digital or virtual worlds, and virtual...
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8131610 |
Method and software application for computer aided customer independent cash collection using a state field in a data record
Systems and methods are provided for computerized processing of invoices which a company has presented to, for example, two or more customers. The systems and methods may be configured to select,...
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8131640 |
Method for receiving electronically transferred funds using an automated teller machine
A method for performing a money transfer receive transaction involving a desired amount of money to be transferred from a sender to a recipient includes receiving transaction identifying...
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8131618 |
Enhanced system and method for managing financial market information
A system and method are provided for managing financial market information. According to certain embodiments, the system includes a computer having a memory, processor, and display. The processor...
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8131639 |
Method and apparatus for estimating the spend capacity of consumers
Time series consumer spending data, point-in-time balance information, internal customer financial data and consumer panel information provides input to a model for consumer spend behavior on...
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8126792 |
Systems and methods for implementing person-to-person money exchange
A system conducts online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. Each user establishes an online account, which...
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8126805 |
System and method for revolving credit product offer customization
A system and method are disclosed for making an offer for at least one revolving credit product to an applicant. An identifier for each of a plurality of revolving credit products is stored and at...
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8126798 |
System and method for margin loan securitization
A system and method for securitizing margin loans, wherein a processor system operates to analyze account data for a plurality of accounts, and to identify and flag accounts that are marginable....
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8126804 |
Decision support systems and methods for complex networks
Methods and systems for automated decision support in analyzing operation data from a complex network. Embodiments of the present invention utilize these algorithms and techniques not only to...
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8126793 |
Automated payment system and method
An automated payment system for processing payment by a customer to a company. The payment system includes a document scanning system which has an input receptacle adapted to accept a document....
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8126771 |
System and method for managing customized reward offers
In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined....
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8121942 |
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...
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8118218 |
Method and apparatus for providing electronic purse
Techniques for portable devices functioning as an electronic purse (e-purse) are disclosed. According to one aspect of the invention, a mechanism is provided to enable a portable device to conduct...
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8122035 |
Method and system for transactional fingerprinting in a database system
Transactions with respect to database operations are fingerprinted by associating transaction identifiers with logged information about those database operations. An SQL query is obtained prior to...
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8121920 |
System and method of detecting mortgage related fraud
Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in mortgage applications. For example, one embodiment...
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8121938 |
Comprehensive online loan transaction
Method and system for conducting a commercial transaction requiring a monetary loan online to allow a consumer or borrower to access a lending institution over a network connection and apply for a...
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8121917 |
Systems for implementing a loyalty program
A system for implementing a loyalty program includes a personal terminal, an interaction terminal, and a loyalty module. The personal terminal may be associated with a user. The interaction...
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8121950 |
Method of processing a check and an apparatus therefor
A device captures an image of a check having a payee and/or a payor field. Payee data and/or payor data contained in the payee field and/or the payor field is extracted from the captured image....
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8121951 |
Check clearing systems
A system and process for more efficiently clearing checks by transmitting MICR line data together with a URL link to facilitate check clearing via electronic debits by an ACH. The URL link can be...
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8121922 |
Method and apparatus for providing and processing installment plans at a terminal
According to some embodiments, a central controller receives a selection signal. If the selection signal indicates acceptance of any installment plan, use of the accepted installment plan for the...
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