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Document Title |
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8447672 |
Universal payment protection
A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other...
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8447670 |
Universal payment protection
A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other...
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8447694 |
Commodity Futures Index and methods and systems of trading in futures contracts that minimize turnover and transactions costs
This invention relates to methods and systems for reducing transaction costs and minimizes turnover in the trading of futures contracts. The invention further describes an algorithm whose output is...
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8447632 |
Automation of auditing claims
Described are computer-based methods and apparatuses, including computer program products, for automation of auditing claims. A data file comprising make model information, insurance company...
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8447638 |
Automation of auditing claims
Described are computer-based methods and apparatuses, including computer program products, for automation of auditing claims. A data file is received comprising one or more auditable items, each...
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8447681 |
System and method for administering 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...
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8447658 |
Electronic bearer bond online transaction system
An electronic transaction system, comprising bearer bond means for providing an online electronic bearer bond having a monetary value, transaction means for performing monetary transactions with...
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8444481 |
Method and apparatus for providing electronic credits at a gaming device without first requiring payment therefor
In accordance with some embodiments, apparatus and methods are disclosed for providing electronic credits to a player of a gaming device. The electronic credits are provided in response to an...
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8447691 |
Systems and methods for NACHA compliant ACH transfers using an automated voice response system
Embodiments of the invention described a method for processing an ACH transfer in compliance with NACHA regulations. The method comprises receiving a request, through a phone call from a customer,...
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8442910 |
Systems and methods for using verified information cards in a communications network
Digital information cards associated with verified information about users are described. The cards can be used to optimize a network communications experience or interaction for a user and a...
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8439746 |
Managing limitation rules for wagering accounts
A wagering game account management system and its operations are described herein. In embodiments, the operations include presenting a graphical user interface that includes a graphical control...
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8442911 |
Systems and methods for a prepaid interest credit card account
A system for charging fees to a card holder of a credit card account may comprise at least one subsystem that calculates a prepaid interest amount and at least one subsystem that charges the...
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8442867 |
Providing an announcement about transactions of a target merchant to a consumer
An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment...
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8442907 |
Method, software program, and system for ranking relative risk of a plurality of transactions
A method for ranking relative risk of a plurality of transactions, wherein each of the transactions has associated therewith a plurality of variables. In one embodiment the method includes...
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8442909 |
Transaction processing entity device support of an integrated offer network
A method begins by generating, for each of a plurality of merchant devices, an offer data file to produce a plurality of offer data files. The method continues by: compiling, for one issuer device,...
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8438104 |
Using a transaction card account to make recurring loan payments
Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding...
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8438088 |
Providing packaging recommendation to shipping customers
Systems and methods for providing a packaging recommendation to a customer is disclosed. In one embodiment, the system can present the customer with a merchandise list of merchandise, receive...
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8434677 |
Systems and methods for risk triggering values
Systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) is disclosed. An RTV is a condensed version of a set of...
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8438070 |
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...
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8434682 |
Receipt images apparatus and method
A method for printing an image on a receipt is disclosed. The method may begin with the initiation of a transaction such as a purchase or return at a point-of-sale system. Next, an image unique to...
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8438106 |
Medical savings accounts with investment and loan-account access
Methods and systems are disclosed for managing a medical savings account that invests funds in investment accounts. A request is received for payment of a healthcare expense incurred by a party...
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8438089 |
Method and apparatus for transaction verification
A transaction verification system and method may include receiving an interaction record describing communications between parties regarding a transaction event. The interaction record may include...
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8433652 |
Method and system for processing internet payments using the electronic funds transfer network
A computer implemented payment processing method and system are provided for facilitating electronic purchase transactions by a purchaser from a merchant. The method implements a payment processing...
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RE44189 |
Selective escrow using electronic funds transfer
A method is employed to impound funds from merchant sales electronically in an escrow account for later use such as payment of associated sales taxes. An electronic funds processor (EFP) determines...
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8433653 |
Centralized transaction record storage
A system according to an embodiment comprises a plurality of searchable machine-readable transaction records associated with a plurality of user accounts, the searchable machine-readable...
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8433651 |
Mobile device including computer readable medium suitable for tax processing and currency conversion
Systems and methods of converting transactions to a new currency and tax processing based on the location of the mobile communication device. The systems and methods send transaction information...
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8429071 |
Mobile device credit account
Providing for a mobile communication device (MCD) credit account and credit transactions by way of such an MCD is described herein. As an example, a credit account sponsored by a financial or...
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8429072 |
System and method for processing microtransactions
Methods and systems of the invention provide a variety of techniques for processing microtransactions. In accordance with the invention, the method starts with a customer initiating a purchase...
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8429073 |
Method and apparatus for configuring and establishing a secure credential-based network link between a client and a service over a data-packet-network
A bill-paying service has an internet-connected server executing software from a non-transitory, machine-readable medium, the software providing functionality accessing, on behalf of a user, a...
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8424750 |
Authorization system
An authorization system including an authorization server, an account server for storing account data relating to a plurality of accounts and an access terminal for inputting data that identifies...
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8429068 |
Data aggregation for transaction banking partnerships
A system and method to assign a score to an entity involved in a transaction where the score is used to manage risk for a transaction underwriter. In particular, the score represents the ability of...
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8429060 |
Hedging risk in an investment vehicle
A method for managing an investment vehicle. An option is purchased for protection of cash flows to be paid by the investment vehicle to designated investors. An option is sold offsetting the...
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8429046 |
System and methods for servicing electronic transactions
A service transaction provider for administering a plurality of accounts for a client includes a computer having a processor, a data storage medium, and a network port. The storage medium is...
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8424752 |
System and method for presenting information about an object on a portable electronic device
Systems and methods are provided for enabling a portable electronic device to retrieve information about an object when the object's symbology, e.g., a barcode, is detected. According to one...
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8429049 |
Method and system for allocating computing resources
A method for operating a commissioned e-commerce service provider provides services to businesses on a computerized network such as the Internet in exchange for a small commission on the commercial...
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8429022 |
Method and apparatus for authorizing a payment via a remote device
A method of and system for authorizing a transaction remotely is disclosed. A customer uses a computer to browse for a product displayed on the internet. The customer may enter a unique number into...
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8429086 |
System for location based transaction security
A system for improving transaction security based on location information. The system includes a transaction processing center in communication with a first transaction device and a second...
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8429038 |
Receipt visualization and receipt data applications
Visually presenting spending behavior, spending patterns, and spending activity to a consumer across of their all receipt based purchase transactions. Receipt data is received at a first or host...
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8429074 |
Private label promotion card system, program product, and associated computer-implemented methods
Embodiments of the present invention provide a private label promotion card as a bank product, being issued and managed by the bank and using an open payment network for purchase authorization and...
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8429070 |
Real time adaptive control of transaction review rate score curve
Modern technologies of signal processing and real-time feedback adaptive control are applied to a fraud screen model to enable the fraud screen model to adapt to changes in shopping behavior to...
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8423457 |
Anonymous mobile payments
Anonymous mobile payments enable a user to make and/or receive payments without disclosing personal or private information to another party. In some aspects, a provider of a payment may request an...
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8423464 |
Prepaid transaction card activation system and method
Reloadable or non-reloadable prepaid transaction card activation systems are disclosed. More specifically, the system provides a platform for activation of prepaid or stored value transaction cards...
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8423459 |
Prioritizing potential transaction counter-parties with social network content
A user installs a Peer-to-Peer Payment Application (“PPA”) on their mobile device. The PPA transmits the location of the user device to a server located in a Peer-to-Peer Payment System (“P...
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8423400 |
System and method for managing customized reward offers
In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined....
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8423458 |
Secure, closed-loop electronic transfer of money
A method of providing for a money transfer over a network includes the steps of: providing a stamp having a face value and a lifespan both indicated on the stamp, the stamp being a string that is a...
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8422652 |
Device and method for managing communication credits associated to use of services by a terminal
This client device (20) is able to use a service on a telecommunications network (1). It includes means (21) for storing a call credit (C_S1, C_S2) associated with that service and means (30) for...
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8417631 |
Smart card loading transactions using wireless telecommunications network
Smart card transactions allow consumers to load value onto and make purchases using smart cards with a mobile telephone handset over the telecommunications network. To load the smart card, the...
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8417637 |
Approving the use of the source of funds
Computer-implemented method and system are provided for verifying a financial instrument. The method comprises receiving identification of a source of funds; generating, using at least one...
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8417600 |
Systems and methods for graduated suspicious activity detection
Systems and methods for evaluating electronic value transfers. Various of the methods include graduating a defined affinity between transactions to increasing levels of scrutiny. At an increased...
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8417611 |
System and method for legal document authoring and electronic court filing
A system for legal document authoring for a legal action and electronic court filing of such legal documents provides an online network for subscribers. The system provides a direct mechanism (and...
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