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8589289 System, method and program product for administering fund movements  
A method, system and program product, the method comprising: accessing, one or more electronic databases, comprising: (i) aggregated account information for a plurality of government-backed...
8589287 Hybrid account  
A system, according to one embodiment, includes a hybrid account provided by an issuer to a user, the hybrid account having a balance, the balance being either positive, zero, or negative; and a...
8589288 System and method for electronic remittance of funds  
A system and method for enabling the remittance of funds is provided. More particularly, the fund remittance process of the present invention enables a sending entity having a source account at a...
8589292 Creating a market for unbiased private individual data  
A market for unbiased private individual data is disclosed. A data market maker managing the market collects information from owners of private individual data on their privacy and risk attitudes....
8583477 Methods and apparatus to determine effects of promotional activity on sales  
Example systems, methods, processes, and apparatus for determining expected base sales for a product include obtaining sales data for a product sold at a point of sale location. The sales data can...
8583549 Systems, devices, and methods for managing a payment transaction  
Embodiments of the present disclosure include a method for managing a payment transaction. Such a method includes receiving a first transaction information including a first rendered card provided...
8583515 Transfer account systems, computer program products, and associated computer-implemented methods  
Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of...
8583499 System for secured transactions over a wireless network  
A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user...
8583554 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...
8583534 System and method for multi-market risk control in a distributed electronic trading environment  
A system and method are provided for distributed risk management. According to one example embodiment, a central risk controller is provided that can communicate with a plurality of local risk...
8583498 System and method for biometrics-based fraud prevention  
The system employs the use of biometric authentication, a fraud control gateway and widget, and a point of sale sensor to restrict the use of credit cards or other financial tokens to...
8583497 System for eliminating coins from cash transactions  
A method and system for eliminating a need for coins in cash transactions in most currencies includes a comparison of a sum of a fractional dollar amount of an original transaction amount of a...
8583548 System and method for making payments via a network  
A system and method ranks funding sources to make payments according to user preferences, which may be both explicitly provided and learned, and the benefits and costs of using such funding...
8583547 Precious metal financial instrument  
In accordance with the principles of the present invention, a computer-implemented precious metals investment product and process for pricing a precious metals composite product are provided. A...
8583550 Financial account related trigger feature for detecting changes in financial ratios  
Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial...
8583546 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...
8579192 Banking system controlled responsive to data read from data bearing records  
An automated banking machine is part of a banking system that operates to cause financial transfers responsive to data read from data bearing records. The machine includes a card reader that...
8573478 Image exchange without full MICR qualification  
A system and related methods of correcting errors during check or financial document processing by a bank of first deposit or other entity receiving a paper check or financial document, or by a...
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...
8577799 Community gift system, information processing method, and information processing program  
An organizer freely designates a purpose, forms a community, very easily and efficiently collects money from participants, and gives a gift. To accomplish this, a community gift system that, when...
8577796 Financial charge rebate  
Aspects of the disclosure relate to assisting credit account holders during economic hardship. More specifically, aspects of the disclosure relate to systems and methods for providing a rebate of...
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...
8574065 Controlling player-to-player commerce in video game environment  
Players of a video game can enter contracts and engage in various simple or complex financial transactions employing credit systems such as credit cards, other financial instruments and other...
8577769 Multi-variable transaction system and method  
A system for optimization of variables is provided. The system includes a buyer finance system for receiving asset data and buyer finance data. A seller variable system receives the asset data and...
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...
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...
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...
8577794 System and method for collecting information to facilitate enrollment in an electronic funds transfer program  
A system and method for collecting information to facilitate enrollment in an electronic funds transfer program includes a system operator that solicits prospective participants in the electronic...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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)...