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8788386 Automated market maker and related methods and improvements  
Various problems currently exist in the operation of using prediction markets for corporate forecasting. One of these problems we address is the problem related to the “consistency and c...
8788945 Automatic approval  
Techniques for automatically approving transactions are described herein. These techniques may include determining whether a user who requested to conduct a transaction is the same user as a user...
8788314 Method and system for facility location optimization  
Systems and methods for optimization of facility locations are disclosed, for example, wireless telecommunications facility locations. Among a plurality of cluster points, corresponding to wireless...
8788410 System and method for risk evaluation in EFT transactions  
Embodiments of the invention are directed to a computer-implemented method for facilitating risk assessment for an EFT transaction. The transaction occurs between at least an originating...
8781959 Systems and methods for generating payment due notifications  
Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification control...
8781957 Secure payment service and system for interactive voice response (IVR) systems  
A secure payment method includes receiving, at a computer of a payment service, a request from a requester for a one time use transaction identification token for a transaction. The one time use...
8781973 Event marketing automated system  
In a method of processing customer applications at an event, an application is received from a customer on a customer interface computer. The data in said application is verified on the customer...
8781939 Amateur athlete compensation product using residual value  
A computer-implemented method including, retrieving information indicative of aggregate income that is attributable to a plurality of collegiate sports teams and income that is attributable to a...
8781960 Computerized method to accept and settle cash transaction payments  
A system and method is provided to accept and settle transaction payments for a consumer. The consumer initiates a transaction with a merchant, and the merchant transmits transaction information to...
8781974 System and method for a private and secure financial transaction system using a central system  
A financial transaction system between a customer and a financial institution has a central system that facilitates private and secure payment transactions from a customer of the financial...
8781863 Automation of auditing claims  
Described are computer-based methods and apparatuses, including computer program products, for automation of auditing claims. A data file is received comprising one or more auditable items, each...
8781958 Systems and methods for monitoring, managing, and facilitating transactions involving vehicles  
A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a...
8781956 Systems and methods for making structured reference credit decisions  
A structured reference credit decision device includes a database configured to store information related to applicants, potential customers, referencers, potential referencers, lenders, and other...
8781961 Currency conversion with pre-paid card  
A system is provided for a stored-value card account to serve as a platform to transfer funds in alternate currency. A prepaid cardholder may transfer to a recipient in a first currency from an...
8775305 Card-present on-line transactions  
Embodiments of the invention can provide systems and methods for on-line credit card transactions. According to one example embodiment of the invention, a method can be provided. The method can...
8775298 Methods and systems for directing and executing certified trading interests  
One or more aspects comprise: (a) receiving confidential information that comprises data regarding first and second market participants; (b) receiving order and targeting parameters from said first...
8775290 Using commercial share of wallet to rate investments  
Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spendin...
8775522 Transmission apparatus, reception apparatus, control method thereof, communication system, and program  
A transmission apparatus transmits e-mail to a reception apparatus through a network by selecting one of a communication method via a mail server and a communication method without intervention of...
8775303 Systems and methods for validating an order purchased with an unspecified term  
The present invention is directed towards systems and methods for validating an order purchased with an unspecified term. The order may comprise an order for an access ticket or admission ticket or...
8775306 Instant availabililty of electronically transferred funds  
A system and method for making proceeds of a transaction available to a user before the transaction is completed is provided. The system may be part of an on-line system or traditional merchant...
8775255 Internet business transaction processor  
Targeted products are offered over a communications network. Product data for a plurality of products from a plurality of distributors for the products is received. Customer data from a plurality...
8775304 Money transfer using cellular networks  
A method of transferring money from a first user to another user through a cellular network is disclosed. The method includes a the first user buying a voucher of a specified money from market and...
8775302 Method of and system for making purchases over a computer network  
A method of and system for making purchases over a computer network using an ATM card or the like is provided. In accordance with the invention, a consumer transmits his ATM card number over the...
8775805 System and method for variable length encryption  
Systems and methods for performing a secure transaction provided. In one embodiment, the method for encrypting data is provided, comprising: selecting clear text data; selecting a symbol set...
8775284 System and method for evaluating fraud suspects  
A method for evaluating fraud suspects is provided that includes receiving suspect data identifying a plurality of suspects of a fraud. Monetary transaction information associated with the fraud is...
8776132 Single digital wallet across multiple payment platforms  
The present disclosure involves a method of conducting a transaction. In one aspect, the method includes: displaying a media program on a media display device; indicating, while the media program...
8768836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image  
A system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, and where the item to be deposited is a financial instrument, such...
8768853 Secondary identification for remittance delivery  
There are provided a method, system and program storage device perform a remittance transaction. The method includes generating a remittance transaction to transfer funds from an account associated...
8768854 Secure protocol for transactions  
A secure protocol for transactions, such as electronic commerce transactions, is described that provides improved security through exploiting an independent (where this independence is logical...
8769275 Batch settlement transactions system and method  
Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving...
8768840 Universal positive pay match, authentication, authorization, settlement and clearing system  
A Universal Positive Pay Database (UPPD) method, system and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records...
8768813 System for electronic re-allocation of a transaction amount to an investment  
This system may include a system for electronically reallocating any portion of a transaction by maintaining a user account at a user institution; maintaining a vendor account at a vendor...
8768829 System and method for providing transactional credit  
System and method for a second credit card issuer to provide transactional credit to a credit cardholder of a first credit card issuer, when the cardholder's account with the first issuer is in...
8769279 System and method for variable length encryption  
Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a...
8768801 User managed spending plan  
A method for managing credit card spending, including receiving a managed spending limit for a credit card account set by a user, where the managed spending limit does not exceed a credit limit for...
8768831 Systems, devices, and methods for managing a payment transaction  
Disclosed herein is a method for managing a payment transaction wherein a processor receives a transaction information input corresponding to a particular card type. The processor then accesses a...
8768830 Method and system for a multi-purpose transactional platform  
Methods and systems described herein can consolidate a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer identification or available...
8768833 System and method for syndicated transactions  
A transaction system has a first Internet-connected service provider enterprise and second enterprises maintaining each at least one financial account for a user. Third enterprises maintaining...
8768828 Method and apparatus for processing on-line donations  
A computer-implemented method and apparatus for processing on-line donations is disclosed. An example embodiment includes elements to generate a donation badge for display on a web page; link the...
8762265 Method for collecting and disbursing electronic gratuities  
The present invention relates to systems and methods for collecting and disbursing electronic gratuities. According to one embodiment, a device for submitting gratuities by credit card is provided...
8762245 Method and system for providing an immediate variable annuity  
A computerized method of providing an investment product that determines a provisional payment amount based upon investment returns. The provisional payment amount is compared to a payment cap and...
8762241 Online quick key pay  
A quick pay option is provided so that a user can make a payment from a merchant site by simply entering in a user identifier in a pop-up window. Limits are set for the quick pay option and may...
8762277 Overdraft protection and forgiveness  
Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed towards a system that is configured to receive transaction...
8762276 Method and apparatus for utilizing recognition data in conducting transactions  
An approach is provided for utilizing recognition data in conducting service transactions.
8762284 Systems and methods for facilitating secure transactions  
Various embodiments are directed to methods for generating proxy account data for a financial account and authorizing payment from an account of a customer based on proxy account data. Example...
8762261 Consumer behaviors at lender level  
The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More...
8761809 Transaction using a mobile device with an accelerometer  
Embodiments of the invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated...
8762224 Payer device that changes physical state based on payer information  
A method for providing payer information on a payer device includes providing a payer device that includes at least one physical state change component moveably coupled to the payer device. Payer...
8762267 Money transfer system and messaging system  
A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The...
8762235 Apparatus, methods and computer programs for metering and accounting for services accessed over a network  
Apparatus, methods and computer programs provided for metering and accounting in a commercial e-services infrastructure address the requirement for handling composite services in which higher-level...