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8762277 Overdraft protection and forgiveness  
Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed towards a system that is configured to receive transaction...
8762276 Method and apparatus for utilizing recognition data in conducting transactions  
An approach is provided for utilizing recognition data in conducting service transactions.
8762284 Systems and methods for facilitating secure transactions  
Various embodiments are directed to methods for generating proxy account data for a financial account and authorizing payment from an account of a customer based on proxy account data. Example...
8762261 Consumer behaviors at lender level  
The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More...
8761809 Transaction using a mobile device with an accelerometer  
Embodiments of the invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated...
8762224 Payer device that changes physical state based on payer information  
A method for providing payer information on a payer device includes providing a payer device that includes at least one physical state change component moveably coupled to the payer device. Payer...
8762267 Money transfer system and messaging system  
A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The...
8762235 Apparatus, methods and computer programs for metering and accounting for services accessed over a network  
Apparatus, methods and computer programs provided for metering and accounting in a commercial e-services infrastructure address the requirement for handling composite services in which higher-level...
8762270 System and method for providing supplemental payment or transaction information  
A system and method for providing supplemental payment or transaction information. The method comprising the steps of receiving at least one payment file from at least one payor; receiving at least...
8762263 System and method for secured account numbers in proximity devices  
A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one...
8762269 ***WITHDRAWN PATENT AS PER THE LATEST USPTO WITHDRAWN LIST***
Systems and methods for providing a user interface for facilitating personal payment transactions
 
Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and...
8762266 Systems and methods for performing funds freeze and/or funds seizure with respect to prepaid payment cards  
Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to...
8762275 Systems and methods providing multiple account holder functionality  
Embodiments of the invention may relate to systems and methods providing multiple account holder functionality for stored value accounts. In one embodiment, a method may include executing computer...
8762264 Communication system and information processing method  
A network transaction server apparatus manages virtual world privilege information that is issued for a transaction that a user has conducted in a virtual world by manipulating a personal computer....
8762268 Electronic commerce network with transactions analytics  
A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous...
8762262 Method and system for automatically collecting payment for a credit account  
A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The...
8756657 Mobile or user device authentication and tracking  
A system and method, according to one or more embodiments, includes a server computing device configured to communicate with a network-based device via a network; a visitor identification, in which...
8756158 Currency recycler  
A cash recycler that is configured to allow deposited money to be dispensed (recycled) in a withdrawal transaction. In one embodiment, multiple currency recyclers could be used at multiple stores...
8756157 Method for providing a card-linked offer  
A system transfers money to a payee's payment card account, without requiring an additional payment card or without acquiring a payee's payment card or account information. A payee registers a...
8756150 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 or limited use...
8751397 Card-less financial transaction  
Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash...
8751393 System and method for interactive virtual banking  
Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating...
8751376 Financial instrument having credit and pre-paid characteristics  
Embodiments of the present invention provide for methods and systems for providing a financial instrument that possesses both credit features (secured and unsecured) and prepaid features. When a...
8751391 System and process for performing purchase transactions using tokens  
The invention relates to a method and process by which an existing and large network of devices can be used by consumers to authenticate themselves, and permits each consumer to apply any of the...
8751382 Chapter 13 bankruptcy trustee payment system and method  
Exemplary embodiments are directed to a method of paying a trustee, including providing debtor information to a database, initiating at least one electronic fund transfer, transmitting the debtor...
8751347 Payment entity device transaction processing using multiple payment methods  
A method begins with a payment entity device receiving an accounts payable data file from a client entity processing module. The method continues with the payment entity device determining a method...
8751395 Verification methods for fraud prevention in money transfer receive transactions  
A computer system is operated to prevent fraud in a money transfer receive transaction. A send transaction request is received from a sender for a money transfer including a send amount. The sender...
8751386 Impulse donation/buy without risk method  
A method and system are disclosed for enabling a subscriber to a service provider to purchase goods or make donations to a third-party unaffiliated with the service provider. The system generates...
8751401 System and method for securely authorizing and distributing stored-value card data  
A computerized system and method for securely authorizing and distributing stored-value card data over a communications network is provided. The method allows for storing in the database a...
8751295 System and method for providing international coupon-less discounts  
The systems and methods of the disclosure allow user from various countries to take advantage of offers when they are traveling internationally. Once the purchase associated with the offer is made,...
8751374 System, method, and apparatus for managing wastewater treatment installation  
Apparatus for managing a residential wastewater treatment system includes an in situ control unit that monitors an individual system. The control unit provides local control and alarms, and also...
8751380 System and method for managing merchant-consumer interactions  
A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account...
8751315 Using a mobile device as a point of sale terminal  
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...
8751381 Demand deposit account payment system  
A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public virtual...
8751375 Event processing for detection of suspicious financial activity  
Event processing for suspicious activity detection is disclosed. Financial events can be detected by receiving data from a plurality of detection channels. The data can optionally be enriched by...
8751392 Method for transferring funds  
A method to transfer money to a payee's payment card account, without requiring an additional payment card or without acquiring a payee's payment card information is disclosed. A payee registers a...
8751342 Identifying potential customers using payment information  
Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed,...
8750901 Location aware requests  
A mobile payment network receives a payment request from a first user operating a first mobile device and identifies recipients of the payment request based at least in part on the proximity of...
8751399 Multi-channel data driven, real-time anti-money laundering system for electronic payment cards  
Electronic payment card money laundering detection includes receiving real-time payment card transaction data from ingress channels and an egress channels of at least one payment card system...
8751379 Mobile money transfers  
Methods and systems are disclosed for conducting person-to-person money transfers over a handheld mobile device using any suitable text messaging service. In one implementation, the money transfer...
8751383 Multiple account advanced payment card and method of routing card transactions  
A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data...
8751387 Payment application framework  
Embodiments of the present invention provide a payment application framework. In an example embodiment, a request at a payment facilitator is received. The request is for a split payment to a...
8744963 Method for transferring an amount to be paid  
A method for transferring an amount to be paid is provided. The method includes searching for available wireless devices and selecting a payee via input provided through one of the available...
8740070 System and method for offering and managing online purchasing card transactions  
A purchase card system configured in accordance with the invention offers purchase card products that facilitate online purchases of life sciences research products and/or services via an...
8744968 Providing automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device  
Systems, methods and computer programs provide for automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device....
8744961 Method of providing secure payment and transaction reconciliation  
A method of paying a merchant for a transaction associated with a program. The method including the steps of receiving a request from a merchant for a payment associated with a purchase, generating...
8744958 Systems and methods for secure and transparent cardless transactions  
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a...
8744959 Electronic bill payment with variable payment options  
A system for third party bill payment services used by a payer to pay a biller with whom a payer has an account includes a third party computer system for accessing biller data, the biller data for...
8744921 Exchanging value between a service buyer and a service provider  
Described herein is technology for, among other things, exchanging value between a service buyer and a service provider. The technology involves establishing a virtual funds account associated with...
8744919 Systems and methods for retail networking  
Computing systems, methods, and program products can support a closed retail network. A computing system can receive an inquiry from a first member entity of a retail network and identifying a...