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7571106 |
Methods and apparatus for freshness and completeness of information
A system that facilitates publishing and consuming information that is of time sensitivity, for example, price information. Methods are employed to achieve completeness and freshness in information...
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7571132 |
Forfaiting transactions
This invention concerns forfaiting transactions. In particular it concerns methods of operating a computerized forfaiting exchange to develop forfaiting transactions. In another aspect it concerns...
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7571128 |
Multi-vehicle incentive program
A method and computer system for structuring two-vehicle financing. A price for a first vehicle having a first fuel economy is determined, and an average amount that the first vehicle will be...
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7568615 |
Electronic transfer of hard currency
A method and system is described for person-to-person and person-to-entity cash-transfer via ATMs. Beneficially, at the system endpoints (cash in, cash out) the remitter and receiver can each...
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7567938 |
Method for reimbursing administrators of payments
A loss ledger system to process third party fund requests on a daily basis, track historical requests, process validation on each request, maintain suspense/escrow and loss ledgers, and provide...
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7567937 |
System and method for automatically effecting payment for a user of an electronic auction system
The invention provides a computerized electronic auction payment system and method for effecting a real-time payment for an item won in an electronic auction by setting up and maintaining...
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7567912 |
Method and system for automatically detecting that international shipment movement has satisfied a threshold condition
The present invention relates to a network that tracks international shipments. In particular, it relates to automatic linking of supporting documents to electronic reports of shipment movements,...
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7567924 |
Automated banking machine apparatus and system
An automated banking machine ( 12 ) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an intranet ( 16 ),...
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7567910 |
Method of validating entrance to event site
A method is designed for validating an entrance to an event site. The method is carried out by the steps of accessing to a ticket issue server through a network by a portable terminal device to...
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7565326 |
Dialect independent multi-dimensional integrator using a normalized language platform and secure controlled access
A system and method of aggregating and integrating authentication and/or authorization protocols of a user or a user's information across a wide range of related or nonrelated channels and exchange...
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7559461 |
ATM systems and methods for cashing checks
Various techniques are provided for dispensing cash from automated teller or similar cash dispensing machines where such machines do not contain or are otherwise unable to dispense coins or certain...
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7559465 |
Systems and methods for automatically distributing gifts to recipients on behalf of customers
Systems and methods for providing gifts are described. In one exemplary embodiment, the systems and methods may include receiving financial card distribution information from a consumer, wherein...
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7562037 |
Mass customization billing engine
A system and method for the mass customization of bills or invoices particularized to each client's preference is provided. The present invention is used to permit a provider of mass customization...
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7552866 |
System and method for transferring a financial transaction account according to predetermined criteria
Migration of a first type of financial transaction instrument to a second type of financial transaction instrument is beneficial when the first instrument no longer is suitable for an account...
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7555462 |
Method and apparatus for incorporating scanned checks into financial applications
An improved method, apparatus, and computer implemented instructions for processing a check in an automatic teller machine in a data processing system. A check is received from a user at the...
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7555458 |
Method of billing a purchase made over a computer network
A method of effecting a sale over a computer network in which it is determined whether a user passes fraud control before effecting a sale over a computer network. Information associated with a...
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7552867 |
M-commerce virtual cash system, method, and apparatus
A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the...
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7555460 |
Payment system and method using tokens
A method for collecting payment over a distributed digital computerized communication environment by a third party for services using digital tokens issued by a third party. The services may be...
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7552870 |
Trading network resources
A Network Resource Trading Exchange which allows Access Gateway Operators (who are usually also Network User Device Users) to trade usage of Network Resources (e.g. Internet access) via their...
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7552090 |
Method for billing for services delivered over a computer network
A method of billing (charging) for providing access to information over a computer network, with the billing based on the time a consumer elects to access the information, distinguished primarily...
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7552087 |
Electronic transaction receipt system and method
In connection with a sales transaction, an electronic receipt is issued to the buyer that includes hyperlinks. A hyperlink can be associated with post-sale interaction with the product seller, the...
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7552059 |
Material ordering and reporting expediter (MORE)
A computer program which automates and assist various members of an order and approval chain in preparing purchase documents. A requester using the program enters a part number and other...
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7552088 |
Personally customizable credit card accounts
Account holders may specify vendor-specific charge restrictions for charging transactions against their accounts, where each vendor-specific charge restriction includes a unique identifier for the...
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7552094 |
Optical payment transceiver and system using the same
An optical payment transceiver and an optical settlement system using the same uses a personal portable terminal incorporated with an optical transceiver as a card substitute payment unit for...
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7552089 |
Method and apparatus for automatically applying/linking transactions in a financial management system
A computer-implemented financial management system that includes a standardized apply system that, in general, allows a user to relatively easily apply any transaction/document to any other...
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7548888 |
Digital computer system and methods for implementing a financial transaction
Computer-aided methods (making and using), along with a corresponding machine, article of manufacture, and data structures, is provided for using a computer system to implement a financial...
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7546945 |
System and method for managing transactions
Systems and methods for managing transactions associated with accounts of an individual are described. A method for managing transactions includes receiving information associated with the...
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7543736 |
Alternative payment devices using electronic check processing as a payment mechanism
The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant...
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7546304 |
Configuring keys for use in processing business data
A system and method for configuring key definitions, key values, and key value search masks for locating processing parameter values in a Financial Service Organization (FSO) computer system. The...
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7546266 |
Method, system, and storage medium for pre-screening customers for credit card approval at a point of sale
An exemplary embodiment of the invention relates to a method, system and storage medium for pre-screening customers for a credit card at a point of sale. The method includes receiving the customer...
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7542942 |
System and method for securing sensitive information during completion of a transaction
A system and method for securing a Radio Frequency (RF) transaction using a proxy code, which is permanently assigned to the RF identification device (RFID) transaction account number. An account...
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7542935 |
Method and system for integrating savings and credits with different interest rates
A method and system for operating a new financial instrument and payment card integrates savings and credit transactions belonging to the same payment plan into a single account. Transactions can...
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7542923 |
System and method for generating a unique identifier that can be used to integrate an offline experience with an online experience
A method for generating a unique identifier that can be used to integrate an offline experience of a user with an online experience of the user, including establishing an offline experience...
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7540408 |
Apparatus and method for facilitating money or value transfer
An apparatus and method for transferring money or value, using a wide range of interfaces to initiate a transfer and a wide range of options for receiving the transfer, including receiving the...
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7539641 |
Method and system for computer-implemented trading of new issue debt securities
A computer-implemented method and system for trading of debt securities (bonds), where multiple dealers participate and compete on a single platform ( 100 ). Dealers and investors have respective...
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7539634 |
Account reconciliation system and method
Systems, methods and user interfaces that facilitate the reconciliation process in computerized accounting systems are provided. An advantageous feature of aspects of the account reconciliation...
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7533806 |
Reading of image data bearing record for comparison with stored user image in authorizing automated banking machine access
A system and method is carried out in connection with a card actuated automated banking machine. Image data read by a card reader from a card is compared to image data stored in an authorized...
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7536350 |
Systems and methods for providing enhanced account management services for multiple banks
This invention includes methods for delivering account management services to multiple financial institutions that provide for customer deposit accounts without transaction but than nevertheless...
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7536326 |
System for reducing payments risk, liquidity risk and systemic risk associated with payments-based transactions wherein a filter process module in each payment bank host application is integrated with payments processing such that payments instructions are filtered
A real-time, global system and method for controlling payments risk, liquidity risk and systemic risk arising between financial counterparties active in payments-based transactions. The system...
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7536349 |
Method and apparatus for processing a charge applied to a financial account
A billing server receives charge data from a card authorization terminal. The charge data indicates a transaction amount, such as a purchase price, and a first financial account, such as a credit...
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7536347 |
Method of reducing payments risk, liquidity risk, and systematic risk associated with payments-based transactions
A real-time, global system and method for controlling payments risk, liquidity risk and systemic risk arising between financial counterparties active in payments-based transactions. The system...
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7536354 |
Methods for electronic multiparty accounts receivable and accounts payable systems
The invention concerns methods for use in a multiparty accounts receivable and accounts payable system that allow business trading partners to use a single, shared system for both accounts...
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7533803 |
Consumer directed checking account coverage system
A system and method that includes the use of a bank checking account that can be connected to insurance coverage. In particular, a banking consumer can purchase insurance coverage for unexpected...
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7533047 |
Method and system for securing card payment transactions using a mobile communication device
A method and system for securing card payment transactions using a mobile communication device provides improved security in card payment transactions such as credit and debit card transactions....
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7529710 |
Monitoring transactions by non-account holder
Monitoring a non-account holder seeking to perform a transaction with a financial institution includes receiving first transaction information including an identity of a non-account holder and a...
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7529709 |
Systems and methods to facilitate a transfer of a refund amount from an educational institution to a student
A system and method of facilitating a transfer of a refund amount from an educational institution to a student. A refund controller receives from an educational institution a request for...
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7529706 |
Systems and methods for performing international money exchanges
Disclosed are systems and methods for effecting international online financial transactions between individuals or between individuals and entities such as banks, merchants and other companies. In...
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7526447 |
Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment
One or more methods and apparatus for facilitating financial and player tracking/reward transactions. In one embodiment, a system includes at least one server and a plurality of gaming machines...
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7526487 |
Business transaction processing systems and methods
A system, method and carrier medium for configuring processing relationships among entities of a Financial Service Organization (FSO). A system, method and carrier medium for configuring Financial...
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7523859 |
System and method for securing transactions in a contact center environment
A system and method for protecting confidential user information employed in an electronic transaction. The system and method provide for associating an expiration time/time period, use or other...
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