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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...
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...