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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...
RE44513 Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service  
A wireless telecommunications carrier operates a commerce platform in a trusted domain, which may store sensitive information associated with a consumer. During a credit card based transaction, a...
8548886 Account opening system, method and computer program product  
A system that facilitates opening of a bank account by banking personnel for a customer. The account opening system includes an automatic rate determination feature that uses customer information,...
8548904 Transaction risk analyzer  
Methods and systems are disclosed for automatically identifying and managing potentially fraudulent transactions without adversely impacting legitimate customers. In one implementation, the methods...
8548931 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...
8543496 User experience on mobile phone  
A method of operating a mobile phone as a financial transaction instrument is provided. Security features, which can disable the mobile phone so as to prevent account information from being...
8543475 System and method for obtaining automated third-party confirmations in receivables factoring  
Systems and methods are defined for facilitating the factoring process involving a business client, one or more factors, and a third-party (i.e., a debtor doing business with the business client)...
8543495 Online electronic transaction and funds transfer method and system  
Existing e-commerce is carried out largely using credit card charges, which are expensive in terms of transaction charges and not particularly secure. The present invention provides an online funds...
8543491 System and method for managing trading orders with decaying reserves  
A system comprises a memory operable to store a trading order for a particular quantity of a trading product, wherein a first portion of the particular quantity is a displayed quantity and a second...
8543091 Secure short message service (SMS) communications  
Embodiments of the present disclosure provide systems and methods for secure Short Message Service (SMS) communications. According to an embodiment, a method of providing secure Short Message...
8543481 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...
8543509 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...
8543497 Secure authentication payment system  
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals,...
8542949 TIFF validation  
An apparatus and method for validation of images and their associated Tag Image File Format (TIFF) tags in an image cash letter. One or more image cash letters (ICLs) are received. Each image cash...
8540151 Method and system for optimizing the usefulness of a credit and debit card portfolio  
A method, for maximizing the financial benefits that accrue to one from optimally taking advantage of the incentives offered by the various providers of credit cards, includes the steps of: (1)...
8540150 Anonymous transaction card  
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....
8543494 Shared appreciation loan modification system and method  
Embodiments of the present invention provide systems, methods, and computer program products for modifying the terms of a loan and for providing for a shared appreciation loan program. For example,...
8543477 Value tracking and reporting of automated clearing house transactions  
Value tracking of automated clearing house (“ACH”) payments processed by an ACH operator includes receiving an ACH file for ACH processing. The ACH file comprises ACH payments originated by a rem...
8538873 Communication network for gathering information and performing electronic transactions  
In certain embodiments, a system for calculating a cost for an electronic transaction comprises one or more processors operable to receive first charge information associated with electronic...
8538839 System, method, and program product for unit transfer fee processing  
A method, system and program product, the method comprising: accessing Transfer Fee data to be paid to a third party that is not the borrower or the lender of a security for a right to loan one or...
8538882 User alerts for monitored transactions at automatic teller machines  
Transactions involving the financial account at a plurality of automatic teller machines are monitored. Responsive to identifying a transaction by a user at an automatic teller machine within the...
8538885 Encryption switch processing  
A method for delivering non-financial electronic data through a secure communications channel between a payment processing network and an access device is disclosed. One embodiment of the invention...
8538872 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.,...
8538870 Electronic purchasing and funds transfer systems and methods  
An electronic transaction method, funds transfer apparatus and method for facilitating a funds transfer. The methods comprise sending information from a purchaser or payor to a funds transfer...
8538866 System and method for processing bankruptcy claims  
A method is disclosed. The method includes sending bankruptcy notification messages to a plurality of creditors. The bankruptcy notification messages notify the creditors that various debtors have...
RE44502 System and method for multi-currency transactions  
A system and method for determining approval of a multi-currency transaction between a customer and a merchant over a network. The system includes a customer computer which is connected to a...
8538876 System and method for providing borrowing schemes  
A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic...
8538871 Method for facilitating payment of a computerized transaction  
A method for facilitating the transfer of a payment for a computerized transaction between a buyer and a seller for the purchase of an item using a computer network, such as the Internet. The...
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...