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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...
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...
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...
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...
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....
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)...
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...
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...
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)...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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...
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....
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...
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...
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...
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...
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...
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...
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...
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...
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...