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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...
8571979 Arrangements and methods for automatically dispersing and tracking funds  
In an example application, a banking institution implements a computer-automated arrangement with another corporate entity that is independent of the banking institution. The arrangement permits...
8571985 Reconciling a merchant of record in a mobile wallet feature  
Systems and methods for reconciling merchant of record in a mobile wallet feature are provided herein. In mobile transactions, the reported merchant of record is often a provider of the mobile...
8571977 Method and system for providing seller bank receivable discounting aggregation 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...
8571975 System and method for sending money via E-mail over the internet  
A method and system for transferring money from a sender to a receiver utilizing a computer network such as the Internet. The sender visits a web site and identifies, to-the server over the...
8570158 Programming a universal remote control via a point-of-sale system  
A method and system for programming a universal remote control (URC) to operate with a remote-controlled device is disclosed. In response to an indication of a purchase transaction for a...
8571986 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...
8566200 Systems and methods for money fund banking with flexible interest allocation  
Method, system and program product, the method comprising: accessing databases comprising: aggregated account information FDIC-insured and interest-bearing aggregated deposit accounts held in banks...
8566236 Systems and methods to determine the name of a business location visited by a user of a wireless device and process payments  
In general, the invention relates to methods and systems that record the location of a user and facilitate transactions between the user and a physical named location (e.g. business location)...
8566234 Managed service for detection of anomalous transactions  
A managed service for the detection of fraud and/or anomalous transactions is disclosed. In one implementation, the managed service receives data from customers over a wide area network, the data...
8566206 Pension fund systems  
There is provided a computer-implemented method of projecting the future cash flows of a pension scheme, comprising: receiving data representative of the members of the pension scheme; receiving...
8566231 Method and system for providing buyer bank payable discounting aggregation 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...
8566199 Method and apparatus for providing and processing installment plans at a terminal  
According to some embodiments, a central controller receives a selection signal indicative of acceptance of an installment plan offer for a purchase. The central controller determines an...
8566232 Method and apparatus for organising financial data  
A method of organizing financial data is described in which financial data is obtained from one or more data source and imported into a computer program. The data may, for example, be bank account...
8566187 Interactive account management system and method  
Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders....
8561887 Banking system controlled responsive to data read from data bearing records  
An automated banking machine operates responsive to data bearing records. The automated banking machine includes a card reader that reads card data from a user card. The read card data corresponds...
8566237 Internet payment system and method  
A system and method for facilitating payment for online purchases is disclosed. The system allows consumers/customers who shop online to select, at the time of checkout, direct payment from an...
8566242 Network-based consumer transactions with credit accounts  
A computer-implemented method and system is operable to: receive a purchase transaction from a purchaser, the purchase transaction including purchase transaction information including a purchaser...
8566233 Device, system, and method for location-based payment authorization  
A device, system, and method for location-based payment authorization includes receiving a payment request for an order submitted from a mobile computing device via an e-commerce vendor website. A...
8566255 System and method for electronic transaction verification  
A system and method for authenticating a physical address submitted in an online communication is disclosed. An online communication comprising a physical address to be verified is received. A...
8566227 Location based credit  
A method and system for offering credit to a prospective borrower are provided. A lender first determines a prospective borrower location, which may be a commercial outlet, such as a retail store...
8566235 System and method for providing dispute resolution for electronic payment transactions  
Described herein is partner-based method and device for resolving inquiries or disputes concerning a transaction between the customer and a merchant that is affiliated with a partner platform. For...
8566167 System and method for using data points collected from a customer to provide customer specific offerings  
A retailer computer system receives from a first computing device a shopping recap having data indicative of one or more products that were shown to a customer by the sales associate while the...
8566238 Method for a payment transaction associated with two corresponding declarations of intent  
The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a...
8566201 Systems and methods for money fund banking with flexible interest allocation  
Method, system and program product, the method comprising: accessing databases, comprising: aggregated account information for FDIC-insured aggregated deposit accounts in banks in a program, client...
8566209 System and method for risk management  
A margin requirement is computed while trading. The margin requirement may be calculated while trading because the preferred system takes into account working orders to generate the margin...
8560412 Method and apparatus for financial investment advice available to host of users over a public network  
The investment arrangement funnels the knowledge and strategies of a host of advisors through an impartial system leveraged by a host of investors to access, evaluate and then easily invest in one...
8560439 Transaction processing with core and distributor processor implementations  
Transaction processing for distributor-based transactions is facilitated. According to an example embodiment of the present invention, a transaction management approach involves the processing of...
8560450 Interactive bill payment center  
A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link...
8560417 Payment entity for account payables processing using multiple payment methods  
A method begins by receiving an accounts payable data file from a client device. The method continues by determining whether a payables profile of a client associated with the client device is to...
8560440 System and method for providing a credit card with multiple credit lines  
A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level...
8560443 Distribution of market data  
Systems and methods are provided for communicating and processing market data. The market data may comprise quotes, orders, trades and/or statistics. A messaging structure allows for adding,...
8560445 Methods and systems for managing transaction card accounts  
A method and system for managing transaction card accounts involves providing a customer a transaction card account by a financial institution against which the customer can charge predetermined...
8556170 Techniques for authorization of usage of a payment device  
Techniques for authorization of usage of a payment device include facilitating an issuer of the device obtaining an authorization message for an account number associated with the device, based on...