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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...
8851366 Money transfer service with authentication  
A bank (or merchant) hosts and operates an online money transfer service (or “portal”). A sender logs into the portal and enters payment card and money transfer details and then submits the tra...
8856043 Method and system for managing data and enabling payment transactions between multiple entities  
A system for conducting payment transaction includes a network-enabled server that communicates with one or more user devices, other network-enabled server computers, and a payment processing...
8849715 System, method, and apparatus for settlement for participation in an electric power grid  
Systems, methods, and apparatus embodiments for electric power grid and network registration and management of physical and financial settlement for participation of active grid elements in supply...
8849714 Value exchange system for use within an internet-based social network  
Certain embodiments contemplate a computer-implemented method of enabling a value exchange between users of a SNS which functions within the confines of the SNS. Certain embodiments comprise an...
8844804 Process of and system for facilitating cash collections deposits and deposit tracking  
A process of facilitating cash collection deposits and deposit tracking includes identifying by a retailer an amount of cash collected by that retailer, including respective amounts of currency by...
8849713 Dynamic currency conversion system and method  
A transaction terminal system for a card-based purchase communicates with a host system to provide dynamic currency conversion. The transaction terminal system can select one of a number of...
8843404 Joint pricing and replenishment of freshness inventory  
Joint pricing and replenishment of freshness inventory or products having different qualities determines the joint pricing and inventory strategies to optimize the retailer's benefits from product...
8843410 Systems, methods, and computer program products for supply chain finance  
Systems and methods for providing supply chain financing that include receiving a request to finance an asset of a borrower, where the asset is associated with goods provided by a supplier to a...
8843939 Computer architecture and process for application processing engine  
An application processing engine computer system is configured to process an application for at least one of a product and service using a plurality of coordinated, configurable services. The...
8840016 Banking system controlled responsive to data bearing records  
An automated banking machine operates to cause financial transfers responsive at least in part to data read from data bearing records. The automated banking machine includes a card reader that is...
8838075 Communication system with voice mail access and call by spelling functionality  
A method of initiating a communication from a mobile communication device includes receiving a plurality of spoken letters corresponding to a spelling of at least a portion of a contact name and...
8838491 Method and system for an integrated approach to collections cycle optimization  
Methods and systems are provided for an integrated approach to collections cycle optimization including optimizing personnel, communications, and collection resolutions, resulting in reducing the...
8838472 Mobile system and method for exchanging point value  
A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a POS...
8838499 Methods and systems for life stage modeling  
A method for associating transaction card accounts with life stage segments is described. The method includes analyzing survey results to define the plurality of life stage segments based on at...
8838503 Unified identity verification  
In some example embodiments, a system and method is shown that includes receiving a purchase request through an Electronic Payment Financial Network (EPFN), the purchase request including a token...
8838803 Methods and apparatus for management of user presence in communication activities  
Systems and techniques for mediating user communications. A user persona manager maintains one or more user profiles and manages user interactions with other parties and with service providers...
8838481 Method and system for location based hands-free payment  
Certain aspects of a method and system for location based hands-free payment may include a network that comprises a plurality of mobile devices and a plurality of point of sale devices. A first...
8831980 Method and system for loading and reloading portable consumer devices  
A method is disclosed. The method includes providing tender at a point of service terminal operated by a load agent, the point of service terminal being in operative communication with a payment...
8831990 Method and system for a payment transaction associated with a declaration of intent  
The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a...
8832252 Extensible integration between service platforms  
A generic integration engine receives a markup service indicator that indicates a data flow protocol between a client and a service provider. In addition, the generic integration engine performs a...
8825548 Secure authentication between multiple parties  
Systems and methods are disclosed herein to allow a party to a multiple-party transaction to perform authentications using identification information received from another party while allowing the...
8825538 Systems for implementing a loyalty program  
A system for implementing a loyalty program includes a personal terminal, an interaction terminal, and a loyalty module. The personal terminal may be associated with a user. The interaction...
8820632 Systems and methods for displaying current consumer card status on a wireless device  
A system for object tracking may comprise a system for displaying consumer account information on a wireless device comprising at least one subsystem that receives transaction information regarding...
8825532 Payment system and method using a mobile telephone network for charging and settlement  
A payment system and method using a mobile telephone network for charging and settlement, which comprises a user's cell phone being associated with a payment account, and the user's cell phone...
8825545 System and method for facilitating on-line payment  
The present invention relates to a system and method for facilitating on-line payment particularly for goods or services purchased via a merchant site on the Internet. The system enables payment...