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7610257 |
Computer-implemented risk evaluation systems and methods
Computer-implemented systems and methods are disclosed herein that relate to processes, which construct an empirically derived and statistically based risk evaluation and policy formulation system....
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7610040 |
Method and system for detecting possible frauds in payment transactions
Method for detecting possible frauds in payment transactions between at least two partners ( 1, 2 ),
the payment transaction data and/or payment authorization data being transmitted over at...
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7606764 |
Installment purchase card and related systems and methods for making informed consumer purchases
Systems and methods for making installment based credit purchase. A consumer may access a network interface to see how a contemplated purchase will affect their existing obligations on the account...
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7606408 |
Magnetic ink character reading method and program
A magnetic ink character reading apparatus, magnetic ink character reading method and program, and a POS terminal apparatus reduce recognition errors and thereby improve the read rate. The magnetic...
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7606761 |
Data output control apparatus
The invention provides a data output control apparatus which allows detailed information on a network to be readily obtained, which is advantageous with respect to cost, and which is suitable for...
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7606762 |
System and method for providing a distributed decisioning environment for processing of financial transactions
A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or...
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7606760 |
Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
A virtual payment card system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment card system comprises a commerce gateway component ( 52...
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7606162 |
Tracking of process-related communication
The disclosure relates to tracking process-related communications between at least two members. To allow project planning, the invention provides a method in which communication events between the...
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7606746 |
Like kind exchange system and method
A database tracks acquired and relinquished assets and permits assets to be combined for like kind exchanges to realize a tax benefit. Relinquished assets that have been depreciated to recover a...
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7606763 |
Systems and methods for improving auction liquidity
Systems, methods, apparatus, and means for improving liquidity in a securities auction include selecting a cover to use to provide general liquidity to the auction, the cover having a plurality of...
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7600680 |
Time delimited multiple admission method and system
Systems and methods are disclosed for providing a provision of access to services. A time delimited, multiple use ticket/admissions card is provided that controls admission to services offered by...
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7603312 |
Altering card-issuer interchange categories
This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions and the accompanying potential fee savings. In some...
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7603313 |
Charging system and charging method
A user sends data for requesting a service provider to provide predetermined service and signature data created based upon the data to the service provider, the service provider calculates a fee...
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7603315 |
Self-service terminal
A self-service terminal ( 14 ) is described The terminal is associated with an organization ( 18 ) having individuals ( 36 ) under its supervision, each individual having a sponsor, whereby the...
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7603302 |
Automated banking machine system with multiple entity interface
An automated banking machine ( 12 ) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an intranet ( 16 ),...
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7603311 |
Process and device for conducting electronic transactions
A process and a device for conducting electronic transactions provides a more effective and efficient way to make a payment over the Internet. This process and device could be used to pay, for...
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7599884 |
Programmable joint payment guarantee financial instrument set
A number of implementations of a transaction settlement process are illustrated. A system verifies buyer, seller, and financial institution data and instructions. The system stores buyer credit...
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7597249 |
Automated banking machine system with multiple browsers
An automated banking machine ( 12 ) is operative to conduct transactions in response to mark up language documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an...
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7599887 |
Method and system for prepaid roaming minutes
A method and system for prepaying roaming minutes including crediting a user's account with prepaid roaming minutes at a discounted rate. The roaming minutes are subtracted from the user's account...
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7599885 |
Many-to-many correspondence: methods and systems for replacing interbank funds transfers
By establishing a correspondence account in each Financial Service Provider (FSP) of a group of FSPs and a secure inter-FSP messaging mechanism, transfers of funds entirely within member FSPs (FSP ...
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7599886 |
System and method for allocating mortgage repayment funds
A system and method for computing mortgage amortization so as to allow the borrower to pay down the principal portion of his or her mortgage faster includes calculating traditional and modified...
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7594606 |
Transaction card system and approach
A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase...
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7596529 |
Buttons for person to person payments
A process for facilitating payment between a buyer and a seller with an online money transfer performed over a wide area network is disclosed. In one step, login information relevant to a vending...
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7593894 |
Method, software program, and system for structuring risk in a financial transaction
A method of structuring a financial transaction, including allocating to a transaction pool n credits, each of the credits having an obligation to make specified payments and each of the credits...
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7593898 |
Method and system for payment transactions and shipment tracking over the internet
A method for completing a transaction in response to a determination that goods have been acceptably delivered to a buyer. The method is particularly suitable for use in an online commerce system...
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7593896 |
Credit card system and method
A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction,...
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7593875 |
Financial system for isolated economic environment
A system and method for conducting financial transactions in an isolated economic environment. The present invention includes a non-isolated financial account system based in a non-isolated...
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7593901 |
System and method for improving reliability of distributed electronic transactions
A system and method are disclosed that separate control functionality from the management functionality for conducting electronic transactions. The control functions are performed by a third party...
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7593897 |
Wireless system for communicating cashless vending transaction data and vending machine audit data to remote locations
The present invention relates to a system that is scalable and configurable to include vending equipment audit capabilities, a card reader assembly having a card reader processor interface board...
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7590575 |
Method and apparatus for converting, formatting, and displaying currency values
A conversion function for converting between the euro and other currencies is provided that converts a value in one type of currency to a value in another type of currency according to EU-specified...
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7587367 |
Method and system to provide feedback data within a distributed e-commerce system
A system and method to provide feedback data within a distributed feedback system of an e-commerce system. Feedback data describing e-commerce transactions are generated by buyers of goods and...
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7587362 |
Data processing system for managing and processing foreign exchange transactions
Data processing systems for international commerce, and in particular relates to cross border transactions in which a foreign exchange transaction is required to settle payment for goods or...
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7587361 |
Methods and apparatus for electronic reporting of mortgage delinquency
Techniques for managing mortgage delinquency information are described. A system for managing and reporting mortgage delinquency information according to an aspect of the present invention...
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7587363 |
System and method for optimized funding of electronic transactions
The invention provides systems and methods for managing transactions. The system includes a data input portion that communicates first information regarding a payment request, as well as a decision...
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7587359 |
Method and system for harvesting feedback and comments regarding multiple items from users of a network-based transaction facility
There are provided methods and systems for harvesting feedback and comments. A system includes a display function to present a single input interface via a communications network. The single input...
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7587348 |
System and method of detecting mortgage related fraud
Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in mortgage applications. For example, one embodiment...
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7584147 |
System for identifying an individual and managing an account
The present invention provides a method for managing an account for an unidentified individual by communicating with the unidentified individual who is using a device to communicate which transmits...
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7581674 |
Financial transaction system and method
A financial system and method for a stored value e-card financial management system using a worldwide financial network to deposit funds into an e-card account in one country and withdraw funds...
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7584109 |
Long term disability overpayment recovery service with provision of medical services and medical products
A method of obtaining Social Security disability benefits for uninsured individuals and providing medical services and medical products during the pendency of a claim for the Social Security...
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7584126 |
System and method for managing dedicated use of a credit account
A method of managing dedicated use of a credit account is provided. The method includes receiving information regarding a credit account, associating the credit account with a usage program, where...
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7580890 |
System and method for supervising account management operations
A technique for tracking and managing account movement using a delinquency movement matrix is described. Customer Service Representatives or other agents may receive a promise for a payment amount...
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7580886 |
Managing foreign payments in an international ACH
Managing foreign payments in an International ACH. An originating depository financial institution (“ODFI”) can create an ACH item designating a fixed amount of foreign currency to be credited...
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7580887 |
Method and apparatus for facilitating purchase transactions across a network
A local computer system that provides and records information to facilitate a purchase transaction across a network operates by first receiving a request for billing information relating to a...
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7580856 |
Systems and methods for distributing targeted incentives to financial institution customers
An incentive distribution system is used in distributing, tracking and redeeming product incentives offered by manufacturers and distributors of consumer goods through a financial institution. A...
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7580885 |
Electronic money settlement method using mobile communication terminal
A settlement system includes a mobile communication terminal, an input device, and a settlement device. The input device transmits data of a charge to the mobile communication terminal and...
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7580891 |
Method and system for assisting in the identification of merchants at which payment accounts have been compromised
A method and system for identifying merchants at which payment accounts (e.g., credit card accounts) have been compromised. A set of “pre-fraud” payment accounts is first identified, the...
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7577607 |
Method and interface for consolidating price levels on a trading screen
A trading screen may display price and quantity information for price levels in a static axis of prices. The static axis of prices may be divided into two or more different regions. The price and...
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7575177 |
Dual use payment device
A mobile device includes an antenna and at least one control device coupled to the antenna. The at least one control device is selectively operable in a first mode and in a second mode. In the...
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7577609 |
Method and apparatus using digital credentials and other electronic certificates for electronic transactions
A method for performing electronic transactions, comprising receiving a long-term certificate, authenticating a user associated with the long-term certificate, and then sending a short-term...
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7577602 |
Method and interface for consolidating price levels on a trading screen
A trading screen may display price and quantity information for price levels in a static axis of prices. The static axis of prices may be divided into two or more different regions. The price and...
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