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8538868 Method and system for preparing a transfer document  
A system and method of preparing a transfer document for a client to transfer services provided by counterparties that require recurring transactions using a first account to use a second account...
8538883 Method and system for digital document management on a mobile device  
A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment...
8538879 System, program product, and computer-implemented method for loading a loan on an existing pre-paid card  
Embodiments of the present invention provide systems, program products, and methods of loading a loan on a pre-paid card. A bank receives authorization from a lender to credit loan proceeds from...
8538801 System and method for processing financial transactions  
The invention relates generally to retail transactions and, more particularly, to systems and methods for monitoring consumer behavior and for providing a secure electronic payment in exchange for...
8538806 Systems and methods for establishing transactions utilizing a data store of billing information  
Described herein are systems, methods and articles of manufacture that facilitate establishment of transactions via a data store, such as a data store, located in a network environment, such as a...
8532565 Transparent commodity trading networks and methods of facilitating transactions among buyers and sellers of products and services  
A transparent commodity trading network facilitates transactions among parties. A plurality of mobile communications devices are each configured to broadcast product/service needs and/or...
8533112 Method and system for providing a digital money infrastructure using mobile telephony  
Systems and methods for providing a mobile telephony infrastructure for transferring electronic payments are provided. A user provides an amount of cash and a mobile telephone number to a...
8533098 Automated trading system and methodology for realtime identification of statistical arbitrage market opportunities  
A program for identifying and automatically acting on statistical arbitrage opportunities between related equities and contracts. The present invention describes an improved technique to perform...
8533111 System and method for providing promotional pricing  
A system and method for providing promotional pricing is disclosed. One or more pricing offers may be provided to a plurality of credit accounts, wherein the pricing offers may be directed to...
8533085 Method for aggregating and valuing intellectual property in an exchange  
The present invention relates to methods of aggregating and valuing intellectual property in a financial exchange. The present invention provides means whereby holders of intellectual property...
8533115 Payment services for multi-national corporations  
A central coordinating body (CCB) is part of a global commercial card processing system. The CCB provides standards, relationships, management protocols, problem resolution, processing, data...
8527380 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...
8527406 Systems for financial and electronic commerce  
A system for electronic commerce including electronic banking tools, products and services. The system includes customizable banking products and cards, and methods and systems for conducting...
8527289 System and method for providing configuration and settlement processing of financial transactions using a hierarchy node model  
A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or...
8523054 Gift card conversion and digital wallet  
A method and a system convert the value of a gift card for use with a mobile device. A gift card converter module associates a value of the gift card with a digital wallet of the mobile device. A...
8523060 Portable consumer device for use in currency conversion process  
A server computer including a processor and a computer readable medium coupled to the processor. The computer readable medium includes code executable by the processor. The code includes code for...
8527385 Stakeholder collaboration  
A technique for improving collaboration between relevant parties in a commercial transaction involves sending a timely alert to stakeholders with regard to a presumably fraudulent transaction. A...
8527417 Methods and systems for authenticating an identity of a payer in a financial transaction  
A system and computer-based method for using a one-time password (OTP) to authenticate an identity of a cardholder in a financial transaction initiated by the cardholder with a merchant via a first...
8527405 Early payment rewards system and method  
Embodiments of the invention are directed to a computer-implemented method for reducing funding burden on a credit issuer by offering an early payment rewards program to qualified card holders. The...
8527408 Integrated payment system  
A payment system executes payments from payers to vendors. An unattended interface system automates the uploading of payments file from each payer to the system. A web services transfer server...
8527404 Merchant-initiated adjustments  
Tools for adjusting a debit transaction, which can allow a payee to adjust the amount of the transaction without having to provide cash back to the payor. Instead, the refund amount may be applied...
8527360 Methods and systems for conducting payment transactions  
A method of eliminating the need to wait in line to conduct a payment transaction in a retail establishment includes initiating a network-based electronic payment transaction with a communications...
8527409 Auditing and reconciling custodial accounts  
A method, system and computer program product for auditing and reconciling custodial accounts. A tool is provided to allow a custodial agent to audit a custodial account at one or more depository...
8527400 Automated account risk management  
A computerized system and method for structuring risk management and assist a financial institution quantify financial, legal, regulatory and reputational risk associated with opening accounts...
8527407 Process and device for conducting electronic transactions using wireless and cellular devices  
A process and a device for conducting electronic transactions provides a more effective and efficient way to make a payment over the Internet. This process and device could be used to pay, for...
8523057 Automated banking machine that operates responsive to data read from data bearing records  
An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a...
8521569 Method and system for allocating funds over a plurality of time deposit instruments in depository institutions  
A method, system and program product, the method in one embodiment comprising: A method, comprising: accessing databases comprising: client information for each of a plurality of respective...
8521643 System and method for on-line payment transactions  
An e-commerce transaction system accommodates transactions between a consumer and merchant without requiring that the consumer provide any sensitive credit card or other personal information. The...
8521648 Consolidated payment options  
A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber...
8521645 Method and system for facilitating switching of financial institution accounts  
Techniques for switching a financial institution account for a debit account holder are provided. A request to convert a financial institution account is received from a customer. Information is...
RE44467 Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities  
The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively...
8521646 System and method for assigning an initial transaction fee tier to a vendor in a payment system with a variable transaction fee  
A system makes payments from a payer to a vendor and assesses a variable transaction fee to the vendor. The system comprises a database which associates, for each of a community of payers,...
8515871 Authorizing use of a financial instrument  
Computer-implemented method and system are provided for verifying a financial instrument. The method comprises receiving, via a user interface, the identification of one or more financial...
8515772 Methods and systems for coordinating pooled financial transactions  
Methods and systems are provided for processing a financial transaction. A set of conditions is received that define circumstances for execution of the financial transaction. Funds are collected...
8515839 Automatically determining a current value for a real estate property, such as a home, that is tailored to input from a human user, such as its owner  
A facility procuring information about a distinguished property from a user knowledgeable about the distinguished property that is usable to refine an automatic valuation of the distinguished...
8511543 Gift card conversion and digital wallet  
A method and a system convert the value of a gift card for use with a mobile device. The value of the gift card is determined from an issuer of the gift card. The value of the gift card is stored...
8515868 Multiple account advanced payment card and method of routing card transactions  
A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data...
8515864 Pay request system  
This web enabled system is capable of facilitating the management of unlimited projects within which an unlimited number of parties may participate to complete an unlimited number of stages,...
8515865 Methods, systems, and products for charging batteries  
Methods, systems, and products charge a battery in a vehicle. A charging station selects charging parameters based on a vehicle identification number associated with the vehicle.
8515836 System and method for associating financial transaction data with user's project data using a portable electronic device  
This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a...
8515787 System and method for processing and transmitting payroll-related data for insurance transactions  
A computer system accesses payroll-related insurance premium data at an individual employee level and provides the data at the individual employee level, including cost of insurance at the...
8510194 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...
8510222 Automated teller machine with virtual bank sharing  
An automated teller machine (ATM) which includes a plurality of peripherals including a user interface for interacting with a user providing user information; a plurality of virtual automated...
8510191 Method and system for financing acquisition of vehicles  
In one embodiment of the present invention, a method for financing acquisition of a vehicle is disclosed. The method comprises receiving a future interest in a vehicle in consideration for a future...
8509734 Location aware transaction authorization  
A mobile payment network receives location information from mobile devices used to conduct transactions between two account holders, and qualifies any requested transactions based on the physical...
8510228 Transfer method of electronic cash  
A card to card transfer method used in the financial system is provided in the present invention, and comprises an initializing step, a transferring step and a transaction confirming step, wherein...
8510218 System and method for consumer control over card-based transactions  
A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the...
8510220 Methods and systems for viewing aggregated payment obligations in a mobile environment  
Methods and systems for viewing aggregated financial obligations utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile...
8510188 Receiver driven money transfer alert system  
A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money...
8510162 Loyalty host interface  
The present invention relates to translating loyalty requests between loyalty clients and loyalty hosts. For example, one embodiment of the present invention provides a method for translating...