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8880425 Mobile agent point-of-sale (POS)  
Systems and methods are disclosed for conducting transactions and financial transfers utilizing a mobile device communicatively coupled with a mobile communications network and executing a mobile...
8880432 System and method of using electronic funds transfer to complete payment for goods and services  
A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected by...
8880431 Systems and methods to generate a receipt for a transaction  
A system includes a transaction terminal that is configured to examine an authorization response for an indicator, which, when set, causes the transaction terminal to communicate with a portal to...
8874480 Centralized payment method and system for online and offline transactions  
Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). According to an embodiment, a...
8875139 Method and process for tracking documents by monitoring each document's electronic processing status and physical location  
A method and apparatus are provided for tracking documents. The documents are tracked by simultaneously monitoring each document's electronic processing status and physical location. Determinations...
8867783 Electronic lockbox transaction processing  
Methods, computer readable media, and apparatuses for electronically sorting and managing mail within an electronic lockbox are described. Mail may be routed from a mail delivery service to a first...
8868460 Accelerated trade matching using speculative parallel processing  
An electronic trading system is configured to create speculative orders based on real orders. The speculative order differs from the real order by the price, quantity, or the type of financial...
8868048 Apparatus and method for managing electronic transactions  
In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a...
8862513 Mobile barcode generation and payment  
An application on user's mobile device (having a display screen) generates a transaction-specific barcode on the display, where the barcode contains a plurality of funding sources for the...
8862507 System and method for conducting web-based financial transactions in capital markets  
The present invention provides a system and method that enables users, such as institutional investors and financial institutions, to interactively engage in capital market transactions, including...
8857708 Automatic classification of credit card customers  
According to embodiments of the present invention there is provided a computer-based method and a computer program product for automatically sorting customers who make purchases from merchants...
8851366 Money transfer service with authentication  
A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the tra...
8856043 Method and system for managing data and enabling payment transactions between multiple entities  
A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing...
8849715 System, method, and apparatus for settlement for participation in an electric power grid  
Systems, methods, and apparatus embodiments for electric power grid and network registration and management of physical and financial settlement for participation of active grid elements in supply...
8849714 Value exchange system for use within an internet-based social network  
Certain embodiments contemplate a computer-implemented method of enabling a value exchange between users of a SNS which functions within the confines of the SNS. Certain embodiments comprise an...
8844804 Process of and system for facilitating cash collections deposits and deposit tracking  
A process of facilitating cash collection deposits and deposit tracking includes identifying by a retailer an amount of cash collected by that retailer, including respective amounts of currency by...
8849713 Dynamic currency conversion system and method  
A transaction terminal system for a card-based purchase communicates with a host system to provide dynamic currency conversion. The transaction terminal system can select one of a number of...
8843404 Joint pricing and replenishment of freshness inventory  
Joint pricing and replenishment of freshness inventory or products having different qualities determines the joint pricing and inventory strategies to optimize the retailer's benefits from product...
8843410 Systems, methods, and computer program products for supply chain finance  
Systems and methods for providing supply chain financing that include receiving a request to finance an asset of a borrower, where the asset is associated with goods provided by a supplier to a...
8843939 Computer architecture and process for application processing engine  
An application processing engine computer system is configured to process an application for at least one of a product and service using a plurality of coordinated, configurable services. The...
8840016 Banking system controlled responsive to data bearing records  
An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is...
8838075 Communication system with voice mail access and call by spelling functionality  
A method of initiating a communication from a mobile communication device includes receiving a plurality of spoken letters corresponding to a spelling of at least a portion of a contact name and...
8838491 Method and system for an integrated approach to collections cycle optimization  
Methods and systems are provided for an integrated approach to collections cycle optimization including optimizing personnel, communications, and collection resolutions, resulting in reducing the...
8838472 Mobile system and method for exchanging point value  
A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS...
8838499 Methods and systems for life stage modeling  
A method for associating transaction card accounts with life stage segments is described. The method includes analyzing survey results to define the plurality of life stage segments based on at...
8838503 Unified identity verification  
In some example embodiments, a system and method is shown that includes receiving a purchase request through an Electronic Payment Financial Network (EPFN), the purchase request including a token...
8838803 Methods and apparatus for management of user presence in communication activities  
Systems and techniques for mediating user communications. A user persona manager maintains one or more user profiles and manages user interactions with other parties and with service providers...
8838481 Method and system for location based hands-free payment  
Certain aspects of a method and system for location based hands-free payment may include a network that comprises a plurality of mobile devices and a plurality of point of sale devices. A first...
8831980 Method and system for loading and reloading portable consumer devices  
A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment...
8831990 Method and system for a payment transaction associated with a declaration of intent  
The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a...
8832252 Extensible integration between service platforms  
A generic integration engine receives a markup service indicator that indicates a data flow protocol between a client and a service provider. In addition, the generic integration engine performs a...
8825548 Secure authentication between multiple parties  
Systems and methods are disclosed herein to allow a party to a multiple-party transaction to perform authentications using identification information received from another party while allowing the...
8825538 Systems for implementing a loyalty program  
A system for implementing a loyalty program includes a personal terminal, an interaction terminal, and a loyalty module. The personal terminal may be associated with a user. The interaction...
8820632 Systems and methods for displaying current consumer card status on a wireless device  
A system for object tracking may comprise a system for displaying consumer account information on a wireless device comprising at least one subsystem that receives transaction information regarding...
8825532 Payment system and method using a mobile telephone network for charging and settlement  
A payment system and method using a mobile telephone network for charging and settlement, which comprises a user's cell phone being associated with a payment account, and the user's cell phone...
8825545 System and method for facilitating on-line payment  
The present invention relates to a system and method for facilitating on-line payment particularly for goods or services purchased via a merchant site on the Internet. The system enables payment...
8825517 On-line authorization in access environment  
A method is disclosed. The method includes interacting with a gate access device that is capable of preventing access to a location, where the gate access device subsequently sends an authorization...
8825543 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...
8818882 Alias identity and reputation validation engine  
Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and...
8818872 Point of sale transaction processing  
A disclosed transaction processing method includes transmitting a request to a credit aggregator in response to a message from a point of sale device to a wireless communication device of a user....
8819119 Dynamic definition for concurrent computing environments  
Exemplary embodiments allow a user to create configurations for use in distributed computing environments. Configurations can be arranged in hierarchies in which elements of the hierarchy can...
8818893 Dynamic payment generator  
Apparatus and methods for providing a dynamic payment generator are provided. A customer of a financial institution may desire to conduct a transaction involving a transferor or transferee...
8810834 Image processing apparatus, charging management system, charging management method, and recording medium  
An image processing apparatus stores therein a use charging table that shows a charging condition with respect to use of the image processing apparatus and a cooperative job charging table that...
8812382 Charging for a communication system  
A communication method for use in a communications system includes at least one user. The method includes a step of establishing a session for permitting a user to communicate with at least one...
8812399 Mobile consumer-to-consumer personal point of sale system and related business method  
A business method for mobile commerce includes a first buyer purchasing an item from a Internet-based vendor using a first mobile computing device. A shopping history is developed. A second buyer,...
8813182 Near field communication activation and authorization  
A method of activation and authorization of a near field communication (NFC) enabled device comprising: receiving login information from an NFC enabled device; sending packet data via a network in...
8812549 Corporate and entertainment management interactive system using a computer network  
A computerized management system for corporate, entertainment or sports management by a remote party is disclosed. For instance, in entertainment management the entertainment an event is...
8812385 Alterable account number  
Embodiments of the invention are directed to apparatuses, systems, and methods that allow for personalized data to be embedded in a primary account number associated with a consumer device. In one...
8812394 Process and data integration of additional funds into cash handling device and reconciliation  
A cash recycler or other currency handling device includes a flexible capacity module for adding additional storage capacity to the cash handling device. In some arrangements, all bills of one...
8812395 System and method for virtual piggybank  
A method of providing control preferences for a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account being stored in a...