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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...
8560446 Product level payment network acquired transaction authorization  
A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according...
8560442 Systems and methods for providing enhanced account management services for multiple banks  
A method, system and program product, the method comprising: accessing databases comprising: aggregated accounts held at a first banking institution participating in an interchange program, the...
8560447 Intelligent account selection for electronic bill payment  
Systems, method and articles of manufacture for identifying an account of an account holder, user or payor to be utilized for an electronic bill payment to a payee. An online bill payment system or...
8560441 Managing variable to fixed payments in an international ACH  
Managing foreign payments in an International ACH. An originating depository financial institution (“ODFI”) can create an ACH item designating a fixed amount of foreign currency to be credited to,...
8560409 Flexible and adaptive accrual method and apparatus for calculating and facilitating compliance with taxes and other obligations  
A computer-based system and method calculates and facilitates periodic revenue accrual for making larger, less frequent payments of estimated taxes by electronic messaging. A service host enables a...
8560419 System and method for developing technology assets  
An automated method for developing new products within a development entity, comprises receiving respective catalogs of technology assets, each including at least one of a patent, trade secret,...
8554671 System and associated method and service for providing a platform that allows for the exchange of cash between members in a mobile environment  
A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities,...
8554647 Location-based categorization prompting of transactions  
Systems, methods, and computer program products are provided for providing suggested transaction categories based on location. The system includes a computer apparatus including a processor and a...
8554387 Method, device and system for responsive load management using frequency regulation credits  
A method, device and system for responsive load management using frequency regulation credits. The method includes using an AC frequency measuring device, measuring a current AC frequency on an AC...
8554679 Payment system for transactions benefitting charities  
Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for presenting offers and processing payment transactions. A method includes receiving current...
8554575 System and method for processing flexible spending account transactions  
A system and method are provided for processing flexible spending account transactions involving a plurality of pharmacies, a service provider, one or more pharmacy benefits managers (“PBMs”), and...
8554648 Information model for property records management  
An information model for a party and property records management system includes a legal party role object for maintaining relationships between objects, such as legal party objects and...
8554678 Transaction processing using a global unique identifier  
A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment...
8554669 Method and system for offering a credit product by a credit issuer to a consumer at a point-of sale  
A method for offering at least one credit product by at least one credit issuer to a consumer at a point-of-sale between a merchant and the consumer. The method includes the steps of: providing a...
8554690 Techniques for using media keys  
Techniques for processing media data. Techniques are provided for using media keys that have been created for media data. A media key may be used to access media data for which the media key has...
8554672 Method and system for performing a cash transaction with a self-service financial transaction terminal  
A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder...
8554655 Integration of gift card services for mobile devices and social networking services  
Methods and apparatus, including computer program products, for social networking services integrated with gift card services. In general, a profile of a member of a social networking service may...
8554670 Systems and methods for crediting missed location-based electronic check-ins in a social network  
Identifying missed electronic check-ins and crediting missed check-ins to members of a social network by utilizing transaction data from an intermediate computer other than a computer of the social...
8554666 Total structural risk model  
The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically,...
8554668 Financial transaction card with installment loan feature  
There is provided a financial transaction payment method and system for processing a transaction conducted using a financial transaction card. The financial transaction card has associated...
8548911 Devices and methods for disaster-relief support  
Methods and apparatus according to the invention are directed towards providing a client support in the wake of a disaster impacting a locale. Support may include transporting support-means to the...
8548926 Method and apparatus for global replacement card services  
A prompt-response card issuing system providing temporary financial transaction cards includes a communications module, a personal account number (PAN) mapping module, and a security measure...
8548906 Method and apparatus for automatic savings upon event detection  
Method and apparatus for automatic savings upon event detection. An electronic transfer of funds from one financial account to another financial account is performed in response to selection of a...