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8930269 System and method to adjust insurance rate based on real-time data about potential vehicle operator impairment  
The method, system, and computer-readable medium facilitates monitoring a vehicle operator, the environment ahead of the vehicle, and/or forces acting on the vehicle during the course of vehicle...
8930248 Managing consistent interfaces for supply network business objects across heterogeneous systems  
A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by...
8925798 Systems and methods for risk triggering values  
Systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) is disclosed. An RTV is a condensed version of a set of...
8930267 Automated transactions clearing system and method  
Embodiments of the present invention are related to systems and methods of verifying the integrity of transactions that traverse through complex system workflows, and particularly, verifying the...
8930268 Online fraud prevention using genetic algorithm solution  
Online fraud prevention including receiving a rules set to detect fraud, mapping the rules set to a data set, mapping success data to members of the rules set, filtering the members of the rules...
8930265 Monitoring retail transactions associated with a financial institution-based merchant offer program and determining savings metrics  
Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the...
8930233 System and method for anonymous location based services  
Provided is a fully automated web service with location based services generally involved in transmission of situational location dependent information to automatically located mobile receiving...
8930266 Techniques for progressive purchasing  
Techniques for progressive purchasing of a device are disclosed. In one embodiment, a method for progressive purchasing of a device includes receiving information indicating a payment for a device...
8924283 System and method for selectively displaying market information related to a plurality of tradeable objects  
A graphical interface and method are provided for selectively displaying market information corresponding to a plurality of tradeable objects. According to one example method, a scanning feature is...
8924289 International banking system and method  
A system and method for providing banks with access to a previously inaccessible existing international infrastructure. A provider bank first establishes on its system, a set of accounts for each...
8924288 System and method for automated electronic switching of customer selected financial transactions for a customer banking account  
The present disclosure provides a relatively automated system and method for a customer to change to a new service provider of a financial product, such as banking services. In general, the...
8924297 Direct connection systems and methods  
Embodiment of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in...
8924482 Method and system for policing events within an online community  
A method and system for policing events within an online community comprising a plurality of users having corresponding user information stored in a user database. The method comprises: receiving...
8924287 System and methods for mobile electronic funds transfers  
A method of electronically transferring funds comprising receiving by an application executing on a computer payment card information associated with a payment card and a portable electronic...
8924291 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...
8919641 Systems and methods for risk triggering values  
Systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) is disclosed. An RTV is a condensed version of a set of...
8923827 Mobile payment management  
A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the...
8924273 Simplifying migration from one financial consolidation application to another  
Facilitating the migration of financial data from a first financial consolidation application (FCA) to a second FCA. According to one aspect, transactions classified according to categories in the...
8924301 Token based transaction authentication  
A token based transaction authentication system is disclosed. Issuer, merchants, and a payment processing network generate unique tokens or keys to authenticate messages between themselves and to...
8918339 Associating an indication of user emotional reaction with content items presented by a social networking system  
A social networking system user may associate an emoji representing the user's emotional reaction with a content item presented by the social networking system. The user is presented with one or...
8918341 System and method for international merchandise return service  
A system and method for generating a return label for merchandise being returned from a buyer or consumer in a first country to a merchant in a second country. A name and address of a consumer in...
8917825 Telephone-based commerce system  
A speech application implements a telephone-based commerce system and method which complements a core payment processing business and influences banks and other key partners to conduct such...
8914308 Method and apparatus for initiating a transaction on a mobile device  
A method and apparatus that improves the operation of treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be...
8914306 Systems, methods, and devices for printing debit cards and checks  
The disclosure herein provides system, methods, and devices for generating debit cards. A debit card system for creating a plurality of debit cards comprises a debit card printer, a batch creation...
8914305 Method and apparatus for motion based target prediction and interaction  
Embodiments for motion based target prediction and interaction are described herein. One example embodiment includes predicting a target element based on a user moving a cursor in relation to a...
8909553 Payment card terminal for mobile phones  
Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction...
8909699 Using virtual domain name service (DNS) zones for enterprise content delivery  
A domain to be published to an enterprise ECDN is associated with a set of one or more enterprise zones configurable in a hierarchy. When a DNS query arrives for a hostname known to be associated...
8909552 Dynamic management and netting of transactions using executable rules  
Systems and methods for dynamically managing and netting transactions based on one or more sets of netting rules are disclosed. The present invention dynamically associates transactions with one or...
8909547 Handheld order unit and cash handling device  
Methods and devices allow a handheld order unit to be used with a cash handling device. A handheld order unit may be used by a staff person to enter order information, to display an amount due for...
8909771 System and method for using global location information, 2D and 3D mapping, social media, and user behavior and information for a consumer feedback social media analytics platform for providing analytic measurements data of online consumer feedback for global brand products or services of past, present or future customers, users, and/or target markets  
A method, apparatus, non-transitory computer readable storage medium, computer system, network, or system, is provided for using location information, 2D and 3D mapping, social media, and user...
8903737 Method and system for a wireless universal mobile product interface  
The present invention provides a solution to the needs described above through a system and method for a wireless universal mobile product interface (WUMPI). Generally, products/objects have their...
8903425 Method and system for accessing places  
A method for automatic access to a pre-reserved place may operate on a hotel reservation system, which can communicate with a user smart phone application. The method includes receiving a request...
8898082 Network-based consumer transactions with credit accounts  
A computer-implemented method and system is operable to: receive a purchase transaction from a purchaser, the purchase transaction including purchase transaction information including a purchaser...
8898088 In-card access control and monotonic counters for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
8898081 Systems and methods for providing extra lines of credit  
A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card...
8892468 Customer refunds by a merchant agent  
A customer can obtain a refund for a credit card purchase by interacting with an agent of the merchant. The existing payment infrastructure is used, but without the direct participation of the...
8881975 Method and system for authorizing card account transactions by geographic design  
A method and system for authorizing card account transactions by geographic region by providing data for a user interface displaying geographic regions and merchant locations each corresponding to...
8886563 Least cost routing and matching  
Systems and methods are disclosed for routing a transaction based on an assessment of costs associated with multiple payment processing networks. A transaction broker server determines how to route...
8886562 Robust payment settlements using distributed and potentially unreliable computer systems  
Settlement transactions are processed on a distributed computer system. Settlement data describing a settlement request are received and stored in a settlement storage. The storage includes a...
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...