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8676686 Program for alternative funding of employee and retiree benefits  
An investment program for funding benefits by maintaining assets in the investment program that includes an employer owned trust account and at least one life, disability, health or annuity...
8676652 Sending a counter-offer to use an alternate payment option  
In a method for sending a counter-offer in response to receiving an indication about a point-of-sale transaction, a computer receives from a point-of-sale program a point-of-sale transaction and an...
8676661 Commodity backed payment system for social networks  
Embodiments are directed towards providing a computer-implemented method and a network device that provides an electronic payment system for social networks, including maintaining (i) records of...
8676708 Methods and apparatus for facilitating a financial transaction  
A method is provided for authorizing a financial transaction of a consumer, comprising: issuing a card to a cardholder by a card-issuing financial institution; creating a card account associated...
8671461 System, apparatus, and media for granting access to and utilizing content  
Apparatus, system, and media for utilizing content. An exemplary system comprises a first computing device and a second computing device, wherein the first computing device transmits a request for...
8671054 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...
8671053 Direct currency conversion  
This invention concerns direct currency conversion, that is automatic currency conversion at point of payment for card transactions. In particular it concerns a method for operating equipment...
8671052 Method and system for pricing forward commitments for mortgage loans and for buying committed loans  
A method for managing best efforts forward commitments for loans to be sold by a lender, where each loan has loan level data and the best efforts forward commitments have commitment data includes...
8671041 Managing consistent interfaces for credit portfolio 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...
8666889 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions  
Methods, apparatus, and systems for funding transactions disclosed herein may operate to configure a plurality of backup funding sources for a primary funding source, and enable a consumer...
8666863 Processing monitor system and method  
Systems and methods for monitoring transaction data and providing an indication regarding a performance parameter to a payment processing entity. Transaction data associated with a plurality of...
8666865 Payment entity account set up for multiple payment methods  
A method begins with a payment entity device receiving payables process data from a client device. The payables process data includes a list of a plurality of creditors and associated payment data,...
8666887 Financial account management  
An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a...
8666859 Electronic financial management and analysis system and related methods  
A computing system facilitating electronic bill presentment and payment features for authorized users via a user interface is introduced including an analysis engine. The analysis engine, in...
8666799 System and method for generating a community contribution index  
A system and method for generating a community contribution index (CCI) for organizations and providing reports pertaining to the CCI for one or more organizations is described. The CCI for an...
8666885 Customized consumer loan product search system and method  
A method and system for using Loan Level Pricing Adjustments corresponding to specific consumer input to determine or calculate the interest rates of a plurality of loan products, comprising...
8667064 Personalizing a web page outside of a social networking system with content from the social networking system  
A user device requests a web page from a web server of a third-party website, which is separate from a social networking system. The web server from the third-party website sends a markup language...
8666371 Information providing system and information providing method  
An information providing system including a communication device; an information providing apparatus; and a mobile terminal device carried by a shopper to communicate by wireless communication with...
8666879 Method and system for pricing forward commitments for mortgage loans and for buying committed loans  
A method for managing best efforts forward commitments for loans to be sold by a lender, where each loan has loan level data and the best efforts forward commitments have commitment data includes...
8666888 Same-day settlement of financial transactions  
A system and method to receive a financial transaction and transfer funds associated with the financial transaction into an account associated with an originator of the financial transaction to...
8666897 System and method for providing a financial transaction instrument with user-definable authorization criteria  
Authorization limits on the use of a financial transaction instrument, such as a credit card and the like, may be set by an owner of a financial account corresponding to the financial transaction...
8666894 Systems and methods for remotely authenticating credit card transactions  
A system for remotely authenticating credit card transactions of a consumer comprises at least one subsystem that alerts the consumer via a communication device of the consumer when a credit card...
8662389 Payment methods with a payment service and tabs selected by a first party and opened by a second party at any geographic location of the first party's mobile device  
A method of paying a second party is provided. A first party accesses the names of one or more qualified second parties. The second parties (i) have an association with the payment service, and...
8666895 Single action mobile transaction device  
Embodiments of the invention allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a minimum number of inputs, such as...
8660924 Configurable interactive assistant  
The present invention employs branded virtual characters across multiple network platforms throughout various stages of complex transactions (eg, selling insurance). These characters initially...
8660926 System for automatically transferring account information, such as information regarding a financial services account  
A system for transferring a customer's account information from one account to a new account is described. The system utilizes a switch kit application and associated system that can determine...
8660944 Systems and methods to select a credit migration path for a consumer  
According to some embodiments, supplemental information about a consumer is determined, the consumer being associated with a first level of credit availability. One of a plurality of potential...
8660945 Method and system for identifying small businesses and small business operators  
A method and system for identifying small businesses and/or small business operators includes a process for identifying small businesses and/or small business operators whereby financial...
8660920 Managed deposit program  
A method and machine readable storage for an enhanced return federally insured deposit program. A banking method consistent with the present invention can include receiving deposits from multiple...
8660923 Recurring money transfer  
A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a...
8660950 System and method for bill pay with credit card funding  
An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the...
8660946 Apparatuses, methods and systems for a trackable virtual currencies platform  
Method for detecting fraud includes receiving a fraud alert. The fraud alert is investigated by analyzing social graph information and other available information of one or more users associated...
8659605 Graphical representation of financial information  
A first region approximately shaped as a circle represents a first stock market index. A second region approximately shaped as an annular sector represents a second stock market index that is a...
8660949 Method and system for working capital management  
In accordance with aspects of the disclosure, a system and methods are provided for managing working capital by scheduling payments to be paid for accounts payable based on payments received for...
8655781 Dynamic currency conversion system and method  
A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card,...
8655773 Geo-location based underwriting  
A method for processing financial requests, including: identifying an approval criterion and a predefined proximity for approving financial requests; receiving, from a mobile device of a merchant,...
8655684 Method for operating a return generation system and a system for generating returns  
A method for operating a return generation system comprises several steps. In a first step, a group of a plurality of individuals is determined. In a further step, at least one asset is gathered...
8655778 Systems and methods for processing payments with payment review features  
Methods and systems of processing a plurality of payments. One method can include receiving the plurality of payments from a plurality of customers, the plurality of payments payable to at least...
8655763 Microfinance funds aggregation for a retail investor  
A computer-implemented system and method supporting microfinance funds aggregation for a retail investor are disclosed. A particular example embodiment includes receiving a purchase request at a...
8655775 Method and system for merchant debit routing table change detection  
A method for identifying a merchant debit routing table includes: storing a plurality of transaction data entries, each entry including a first and second debit network, a utilized network, a...
8655762 Integration of gift card services for mobile devices and social networking services  
Methods and apparatus, including computer program products, for social networking services integrated with gift card services. In general, a profile of a member of a social networking service may...
8655759 Controlling a shared service  
A method includes determining whether a first amount of liability contributed by a first subscriber during a provision of a service to the first subscriber exceeds a first balance indicative of a...
8649764 Method, mobile terminal, service platform and system for implementing debit card service  
A method and system for implementing debit card service based on callback. The method is applied to a mobile terminal set with an automatic dialing function unit, automatic dialing function of the...
8650053 Systems and methods for determining concentrations of exposure  
A system and method are provided for identifying exposure concentrations. The process of determining exposure concentrations may include organizing exposure data, defining parameters, determining...
8650123 Entry level banking products  
Entry level banking products that may be offered through traditional sales channels (e.g., retail banking locations, online, and the like) or alternative sales channels (co-placement or co-branded...
8650106 Systems and methods for processing overhead imagery  
A method of processing overhead imagery of a property includes providing a processor and receiving an insurance claim associated with the property. The method also includes receiving images of the...
8650121 Hybrid credit card transaction system  
A hybrid credit card transaction system that processes transactions as either virtual standard transactions directed through a clearinghouse or as virtual closed loop transactions bypassing the...
8645270 Enhanced customer interaction channel systems and methods  
A computer-implemented method, a server, and a computer use an enhanced customer interaction channel based on a predetermined payment key associated with a specific company and location. The...
8645274 Point of sale payment method  
The invention concerns a method of making a payment transaction between a customer and a merchant using a payment card (200) of the customer including steps of: transmitting details of the payment...
8645197 Method of facilitating contact between a consumer and a requesting entity  
The invention provides a method of facilitating contact between a consumer and a requesting entity, with the method comprising the following steps. During an interaction with the consumer, the...