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8682787 Trade-in program with advance payment  
An online merchant system provides a merchandise trade-in program that includes advance payment for items traded-in by qualified customers. When a request to trade-in an item is received from a...
8682784 Method and system to process credit card payment transactions initiated by a merchant  
A system, to process credit card payment transactions initiated by a merchant, includes an interface to receive a merchant-initiated request for a transfer of funds from a buyer credit card...
8682684 Method, apparatus and computer program product for monitoring compliance in reporting unclaimed property  
Methods, apparatus and computer program products are provided for monitoring compliance in reporting unclaimed property. The method is capable of identifying both potential non-reporters and...
8682793 Mobile alert transaction system and method  
A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an...
8676674 Peer-to-peer and group financial management systems and methods  
This relates to transferring funds from a payer to a payee in a electronic payment system. The electronic payment system includes a payment processor and an accounts database. The payment processor...
8676916 Method and apparatus for connection to virtual private networks for secure transactions  
A system and method are provided for use in establishing secure end-to-end communication links over a VPN gateway via a network interface unit. Illustrative embodiments include establishing and...
8672216 Flat card production systems and methods  
Systems and methods for producing a presentation instrument involve receiving an image file having an account number stamp, and producing the image file onto a piece of stock material, such that a...
8672220 Money transfer system and method  
A money transfer system using a money transfer instrument purchased at a retail location. The system includes a POS terminal for entering a UPC code carried on the instrument. The POS terminal...
8676702 Method and apparatus for generating a bill in a packet network  
A method and apparatus for generating at least one bill in a packet network is described. In one embodiment, a request to change a billing cycle is received by an application server from a customer...
8676672 Systems and methods for electronic delivery of stored value  
Systems and methods for electronic delivery of stored value are provided. An example method includes receiving a set of identifiers corresponding to a merchant's stored value tracking system,...
8676680 Automatically determining a current value for a home  
A facility for valuing a distinguished home located in a distinguished geographic area is described. The facility receives home attributes for the distinguished home. The facility obtains valuation...
8676701 Credit card usage management system, credit card usage management method, program, and information storage medium  
Provided is a credit card usage management system, which allows a credit card to be used to an extent that surpasses a credit limit defined within a fixed period without increasing the credit...
8676685 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment  
Financial and player tracking/reward transactions are facilitated by a system including at least one server and a plurality of gaming machines. The server has a memory containing data files...
8676673 Aqua index  
A method and system for computing a stable index value of a regulated substance by computing a virtual value of the substance based on the value of a freely marketed product of the substance....
8676700 Methods and systems for handling currency  
A bulk deposit can be made at a financial institution based on dealings between a remitter and the remitter's agent. Information concerning transactions between the agent and the agent's customers,...
8676709 Merchant category codes in a proxy card transaction  
Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request...
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...