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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...
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...
8784192 Managing limitation rules for wagering accounts  
A wagering game account management system and its operations are described herein. In some embodiments, the operations include assigning one or more money values to a graphical user interface...
8788409 Enhancing income using line of credit sweep account  
A system and method for providing predictable income leverages income and excess cash flow into alternative income sources through linking a checking account to a revolving line of credit (L/C) and...
8788412 System and method for tax filing, data processing, data verification and reconciliation  
A system and method for processing transaction and use tax data, verifying tax calculations/determinations, reconciling calculation/determination errors, and filing and/or paying taxes owed to the...
8788411 RFID payment system  
A method for making a payment using a RFID system includes associating a first RFID identifier with a payer account in a database. A purchase type and an associated spending gate definition are...
8788374 Method and system for account parallel processing  
A method for account parallel processing used by an account processing center to process a request for account operation is disclosed. The method comprises: (1) categorizing accounts as high...
8788413 System and method for managing related accounts  
The present application relates to a system and method for managing a plurality of accounts. A plurality of accounts is provided, with each account being associated with a customer. Account...
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...