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RE44189 Selective escrow using electronic funds transfer  
A method is employed to impound funds from merchant sales electronically in an escrow account for later use such as payment of associated sales taxes. An electronic funds processor (EFP) determines...
8433653 Centralized transaction record storage  
A system according to an embodiment comprises a plurality of searchable machine-readable transaction records associated with a plurality of user accounts, the searchable machine-readable...
8433651 Mobile device including computer readable medium suitable for tax processing and currency conversion  
Systems and methods of converting transactions to a new currency and tax processing based on the location of the mobile communication device. The systems and methods send transaction information...
8429071 Mobile device credit account  
Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or...
8429072 System and method for processing microtransactions  
Methods and systems of the invention provide a variety of techniques for processing microtransactions. In accordance with the invention, the method starts with a customer initiating a purchase...
8429073 Method and apparatus for configuring and establishing a secure credential-based network link between a client and a service over a data-packet-network  
A bill-paying service has an internet-connected server executing software from a non-transitory, machine-readable medium, the software providing functionality accessing, on behalf of a user, a...
8424750 Authorization system  
An authorization system including an authorization server, an account server for storing account data relating to a plurality of accounts and an access terminal for inputting data that identifies...
8429068 Data aggregation for transaction banking partnerships  
A system and method to assign a score to an entity involved in a transaction where the score is used to manage risk for a transaction underwriter. In particular, the score represents the ability of...
8429060 Hedging risk in an investment vehicle  
A method for managing an investment vehicle. An option is purchased for protection of cash flows to be paid by the investment vehicle to designated investors. An option is sold offsetting the...
8429046 System and methods for servicing electronic transactions  
A service transaction provider for administering a plurality of accounts for a client includes a computer having a processor, a data storage medium, and a network port. The storage medium is...
8424752 System and method for presenting information about an object on a portable electronic device  
Systems and methods are provided for enabling a portable electronic device to retrieve information about an object when the object's symbology, e.g., a barcode, is detected. According to one...
8429049 Method and system for allocating computing resources  
A method for operating a commissioned e-commerce service provider provides services to businesses on a computerized network such as the Internet in exchange for a small commission on the commercial...
8429022 Method and apparatus for authorizing a payment via a remote device  
A method of and system for authorizing a transaction remotely is disclosed. A customer uses a computer to browse for a product displayed on the internet. The customer may enter a unique number into...
8429086 System for location based transaction security  
A system for improving transaction security based on location information. The system includes a transaction processing center in communication with a first transaction device and a second...
8429038 Receipt visualization and receipt data applications  
Visually presenting spending behavior, spending patterns, and spending activity to a consumer across of their all receipt based purchase transactions. Receipt data is received at a first or host...
8429074 Private label promotion card system, program product, and associated computer-implemented methods  
Embodiments of the present invention provide a private label promotion card as a bank product, being issued and managed by the bank and using an open payment network for purchase authorization and...
8429070 Real time adaptive control of transaction review rate score curve  
Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to...
8423457 Anonymous mobile payments  
Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an...
8423464 Prepaid transaction card activation system and method  
Reloadable or non-reloadable prepaid transaction card activation systems are disclosed. More specifically, the system provides a platform for activation of prepaid or stored value transaction cards...
8423459 Prioritizing potential transaction counter-parties with social network content  
A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“P...
8423400 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....
8423458 Secure, closed-loop electronic transfer of money  
A method of providing for a money transfer over a network includes the steps of: providing a stamp having a face value and a lifespan both indicated on the stamp, the stamp being a string that is a...
8422652 Device and method for managing communication credits associated to use of services by a terminal  
This client device (20) is able to use a service on a telecommunications network (1). It includes means (21) for storing a call credit (C_S1, C_S2) associated with that service and means (30) for...
8417631 Smart card loading transactions using wireless telecommunications network  
Smart card transactions allow consumers to load value onto and make purchases using smart cards with a mobile telephone handset over the telecommunications network. To load the smart card, the...
8417637 Approving the use of the source of funds  
Computer-implemented method and system are provided for verifying a financial instrument. The method comprises receiving identification of a source of funds; generating, using at least one...
8417600 Systems and methods for graduated suspicious activity detection  
Systems and methods for evaluating electronic value transfers. Various of the methods include graduating a defined affinity between transactions to increasing levels of scrutiny. At an increased...
8417611 System and method for legal document authoring and electronic court filing  
A system for legal document authoring for a legal action and electronic court filing of such legal documents provides an online network for subscribers. The system provides a direct mechanism (and...
8417628 Electronic bill presentment and payment system and method  
A method and system using a communication network such as the Internet to allow registered users the flexibility to pay a bill by using traditional non-electronic payment methods after receiving an...
8414397 Gaming terminal network with a message director  
A method and apparatus in a gaming network for transmitting event messages from gaming terminals to a central server and, consequently, routing each event message to an appropriate application. The...
8417629 Systems and methods for remote deposit service  
A system, method, and computer-usable medium are disclosed for the remote deposit of funds into a financial account from a point of purchase (POP) terminal. Funds are received from an account...
8417630 Systems and methods for deposit predictions based upon template matching  
Systems and methods may be provided for deposit prediction based upon template matching. The system and methods may include receiving deposit information associated with a plurality of deposits for...
8412625 System and methods for a multi-channel payment platform  
The platform executes secure payment transactions between customers and registered merchants by using remote terminals. When the user authorizes his/her payment data (e.g. using a credit card) to...
8412623 Method and system for a multi-purpose transactional platform  
The present invention relates particularly to a method and system for consolidating a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer...
8412617 Methods and systems related to securities trading  
One exemplary aspect comprises a method comprising: (a) receiving data describing an executed trading order in a market traded security and related trade execution data; (b) calculating components...
8412627 Online funds transfer method  
According to the invention, a process for transferring funds in an online transaction between a first party and a second party is disclosed. In one step, a first account associated with the first...
8412630 Social network payment settlement system  
A method for effecting transfer of a payment amount to a merchant during a transaction between a customer and the merchant includes determining, using a processing device, a funds shortfall,...
8412624 Multiple financial account transaction processing  
A computer-implemented method of point of sale transaction processing can include determining an identity of a user at a transaction site, identifying a plurality of financial accounts associated...
8412626 Systems and methods to secure transactions via mobile devices  
Systems and methods are provided to improve security of payment transactions via mobile communications. In one aspect, a system includes an interchange having a common format processor and a...
8412629 Non-cash transaction incentive and commission distribution system  
An electronic fund transfer system is disclosed wherein commissions for point-of-sale purchase transactions are determined and distributed to members of an organizational network for promoting use...
8407144 Vehicular-based transactions, systems and methods  
Various systems and methods are described for conducting and staging money transfer transactions from a vehicle. The systems and methods may include using a wireless transmitter on board the...
8407140 Global remittance platform  
The invention provides a remittance platform in which an enterprise, such as Wells Fargo, serves as a remittance transfer agent, where the remittance function is integrated with a bank. The...
8407142 Managing a universal payment account  
To facilitate management of a universal payment account, it is determined whether a transaction occurs. Transaction information is received from a payment systems module if the transaction occurs,...
8403209 Dynamic hold decisioning using adjusted deposit amount  
Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that...
8407088 Rebate card system  
A method and system for using a rebate card are disclosed. The method may comprise initiating a purchase transaction for one or more products at a point of sale, determining whether the purchase...
8407145 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...
8407141 System and method for processing multiple methods of payment  
Financial transaction data comprising payment on any one of multiple financial transaction types are processed with an adapter layer that receives an incoming data message relating to a financial...
8407139 Credit risk evaluation with responsibility factors  
A system, device, and method for calculating an enhanced credit score using insurance rating information, individual rating factors, interaction rating factors, geographic rating factors, vehicle...
8407148 Systems and methods to provide messages in real-time with transaction processing  
In one aspect, a computing apparatus is configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger...
8407143 International negotiable instrument payment  
According to the invention, a method for purchasing a negotiable instrument from an online payment system by a payor to compensate a payee in relation to a listing on a vending site is disclosed....
8401966 Electronic payment and authentication system with debit and identification data verification and electronic check capabilities  
An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions....