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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...
8812402 Methods, apparatus and articles for use in association with token  
In some embodiments, a method comprises receiving a request from a customer to temporarily associate a token issued to the customer with a payment account associated with the customer, and...
8805738 Method and apparatus for verifying financial account information  
An apparatus and method for verifying a customer's financial information is disclosed wherein a seller accepts information about the details of price and quantity of the goods to be purchased, and...
8805726 Online shopping using NFC and a mobile device  
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of...
8805739 System and method for electronic bill pay and presentment  
A system and method is disclosed enabling a customer payor to make payment to a payee in a networked environment using a credit card, revolving credit, or other credit account. The payment system...
8800865 System and method to allow access to a value holding account  
Example systems and methods that allow access to a value holding account are described. In one implementation, a method receives a first request for a second account code after activation of a...
8805709 System and method for determining insurance group dividends  
Systems and methods for providing dividends to customers are disclosed. The system includes a database for storing data and a business logic processor for determining a dividend to provide to a...
8799161 Automatically decisioning transaction requests  
A system and method of automatically decisioning transaction requests is provided. In some examples, a decisioning system may receive customer transaction limit information, as well as current...
8799137 System and method for data processing for a destination fund having an associated guarantee  
A system is provided for administering a destination fund having a guarantee wrapper. The guarantee provides an income stream for life to one or more investors. The destination fund has a selected...
8799156 Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines  
Methods for consumers to pay at the point of sale by using a personal communicator to wire transfer funds out of their bank account. The communicator is coupled to, and exchanges signals with a...
8799142 Currency trading platform with improved risk management  
Systems, methods and software for processing and displaying information associated with a plurality of currency exchange transactions to a forex dealer in real time, i.e. substantially...
8799007 Methods and systems for substantiation of healthcare expenses  
Methods and systems are disclosed for processing a request to fund a purchase from a provider with a medical expense account. The request identifies expenses incurred with the purchase is received...
8799122 Method and system for user contributed aggregated fraud identification  
A method for identifying an origin of fraudulent activity including receiving a first affirmative fraud flag from a first user for a financial transaction associated with a first user account and...
8799147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions  
Various systems, methods and computer-readable media with computer-executable instructions are disclosed for remotely depositing negotiable instruments with non-payee financial institutions, such...
8799160 System and method for pricing of merchant accounts  
A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to...
8799152 Universal merchant application, registration and boarding platform  
A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said...
8799155 Mortgage matching system and method  
A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution with a reward payment amount. The method includes providing enrollment in a mortgage matching...
8799067 System and method for a merchant debit card program including a plurality of issuers  
A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that provides...
8799128 System and method for providing customers with seamless entry to a remote server  
The present invention provides a seamless entry system that comprises a universal session manager. Users connect to the host service provider with a unique username and password. Then, through a...
8799149 Loyalty rewards optimization bill payables and receivables service  
For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For...
8799146 Methods for post-trade allocation  
A computer-implemented method for providing an allocation of a filled order made at a particular time, that involves receiving at least a price of a filled order made at a later time; generating a...
8799087 Systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader  
The subject matter described herein includes systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader. A transaction terminal...
8799154 Multiple-entity transaction systems and methods  
Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds...
8799100 Retail system for selling products based on a flexible product description  
According to one described embodiment, a method is provided in which transaction information is determined. The transaction information is associated with (i) a buyer who has arranged to purchase a...
8799089 Virtual payment system for the physical world  
A virtual payment system that bridges virtual payments for transactions occurring in the physical world, whereby bridges includes a virtual payment system network communicating information to at...
8799092 Methods, apparatus, and systems for supporting purchases of goods and services via prepaid telecommunication accounts  
Apparatus and method for detecting in real-time when a User of a prepaid telecommunications account tries to complete a data, voice or financial transaction to purchase a product or service but...
8799153 Systems and methods for appending supplemental payment data to a transaction message  
A managing platform for appending supplemental payment data to a transaction message receives a transaction message representative of a credit card transaction from a merchant or an associated...
8799162 Pass-through payment system  
The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts stored in the data store. A payment source storing module stores a...
8793187 Self-service money remittance with an access card  
Self-service methods for money remittance and kiosks are provided. An exemplary kiosk includes a video display, a card reader, a keypad, a money validation device, and a processor in communication...
8793190 Offsite financial account onboarding  
Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services business electronic system to request financial...
8793189 System for personal authorization control for card transactions  
An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would...
8793184 Mobile payment services  
A Java 2 Enterprise Edition (J2EE) enabled server executing Java software provides a financial transaction Web service to a client each of which communicates wirelessly with the J2EE enabled server...
8788408 Item-specific money transfer methods and systems  
The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the...
8788414 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account  
A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program and receives an automatic deposit associated with an...