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8799122 Method and system for user contributed aggregated fraud identification  
A method for identifying an origin of fraudulent activity including receiving a first affirmative fraud flag from a first user for a financial transaction associated with a first user account and...
8799160 System and method for pricing of merchant accounts  
A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to...
8799089 Virtual payment system for the physical world  
A virtual payment system that bridges virtual payments for transactions occurring in the physical world, whereby bridges includes a virtual payment system network communicating information to at...
8799092 Methods, apparatus, and systems for supporting purchases of goods and services via prepaid telecommunication accounts  
Apparatus and method for detecting in real-time when a User of a prepaid telecommunications account tries to complete a data, voice or financial transaction to purchase a product or service but...
8799146 Methods for post-trade allocation  
A computer-implemented method for providing an allocation of a filled order made at a particular time, that involves receiving at least a price of a filled order made at a later time; generating a...
8799162 Pass-through payment system  
The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts stored in the data store. A payment source storing module stores a...
8799149 Loyalty rewards optimization bill payables and receivables service  
For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For...
8799087 Systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader  
The subject matter described herein includes systems, methods, and computer readable media for utilizing one or more preferred application lists in a wireless device reader. A transaction terminal...
8799154 Multiple-entity transaction systems and methods  
Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds...
8799100 Retail system for selling products based on a flexible product description  
According to one described embodiment, a method is provided in which transaction information is determined. The transaction information is associated with (i) a buyer who has arranged to purchase...
8799155 Mortgage matching system and method  
A computer-implemented method is disclosed for rewarding mortgage customers of a financial institution with a reward payment amount. The method includes providing enrollment in a mortgage matching...
8799152 Universal merchant application, registration and boarding platform  
A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of...
8799137 System and method for data processing for 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...
8799007 Methods and systems for substantiation of healthcare expenses  
Methods and systems are disclosed for processing a request to fund a purchase from a provider with a medical expense account. The request identifies expenses incurred with the purchase is received...
8799156 Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines  
Methods for consumers to pay at the point of sale by using a personal communicator to wire transfer funds out of their bank account. The communicator is coupled to, and exchanges signals with a...
8799067 System and method for a merchant debit card program including a plurality of issuers  
A merchant debit card program is described that includes a plurality of authorized issuers for debit card accounts. The merchant debit card program includes a merchant loyalty program that...
8799142 Currency trading platform with improved risk management  
Systems, methods and software for processing and displaying information associated with a plurality of currency exchange transactions to a forex dealer in real time, i.e. substantially...
8793187 Self-service money remittance with an access card  
Self-service methods for money remittance and kiosks are provided. An exemplary kiosk includes a video display, a card reader, a keypad, a money validation device, and a processor in communication...
8793190 Offsite financial account onboarding  
Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services business electronic system to request financial...
8793189 System for personal authorization control for card transactions  
An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would...
8793184 Mobile payment services  
A Java 2 Enterprise Edition (J2EE) enabled server executing Java software provides a financial transaction Web service to a client each of which communicates wirelessly with the J2EE enabled...
8788414 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account  
A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program and receives an automatic deposit associated with an...
8788409 Enhancing income using line of credit sweep account  
A system and method for providing predictable income leverages income and excess cash flow into alternative income sources through linking a checking account to a revolving line of credit (L/C)...
8788412 System and method for tax filing, data processing, data verification and reconciliation  
A system and method for processing transaction and use tax data, verifying tax calculations/determinations, reconciling calculation/determination errors, and filing and/or paying taxes owed to the...
8788314 Method and system for facility location optimization  
Systems and methods for optimization of facility locations are disclosed, for example, wireless telecommunications facility locations. Among a plurality of cluster points, corresponding to...
8788413 System and method for managing related accounts  
The present application relates to a system and method for managing a plurality of accounts. A plurality of accounts is provided, with each account being associated with a customer. Account...
8788386 Automated market maker and related methods and improvements  
Various problems currently exist in the operation of using prediction markets for corporate forecasting. One of these problems we address is the problem related to the “consistency and...
8788945 Automatic approval  
Techniques for automatically approving transactions are described herein. These techniques may include determining whether a user who requested to conduct a transaction is the same user as a user...
8784192 Managing limitation rules for wagering accounts  
A wagering game account management system and its operations are described herein. In some embodiments, the operations include assigning one or more money values to a graphical user interface...
8788410 System and method for risk evaluation in EFT transactions  
Embodiments of the invention are directed to a computer-implemented method for facilitating risk assessment for an EFT transaction. The transaction occurs between at least an originating...
8788411 RFID payment system  
A method for making a payment using a RFID system includes associating a first RFID identifier with a payer account in a database. A purchase type and an associated spending gate definition are...
8788408 Item-specific money transfer methods and systems  
The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the...
8788374 Method and system for account parallel processing  
A method for account parallel processing used by an account processing center to process a request for account operation is disclosed. The method comprises: (1) categorizing accounts as high...
8781939 Amateur athlete compensation product using residual value  
A computer-implemented method including, retrieving information indicative of aggregate income that is attributable to a plurality of collegiate sports teams and income that is attributable to a...
8781973 Event marketing automated system  
In a method of processing customer applications at an event, an application is received from a customer on a customer interface computer. The data in said application is verified on the customer...
8781959 Systems and methods for generating payment due notifications  
Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification...
8781974 System and method for a private and secure financial transaction system using a central system  
A financial transaction system between a customer and a financial institution has a central system that facilitates private and secure payment transactions from a customer of the financial...
8781961 Currency conversion with pre-paid card  
A system is provided for a stored-value card account to serve as a platform to transfer funds in alternate currency. A prepaid cardholder may transfer to a recipient in a first currency from an...
8781956 Systems and methods for making structured reference credit decisions  
A structured reference credit decision device includes a database configured to store information related to applicants, potential customers, referencers, potential referencers, lenders, and other...
8781958 Systems and methods for monitoring, managing, and facilitating transactions involving vehicles  
A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a...
8781863 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...
8781960 Computerized method to accept and settle cash transaction payments  
A system and method is provided to accept and settle transaction payments for a consumer. The consumer initiates a transaction with a merchant, and the merchant transmits transaction information...
8781957 Secure payment service and system for interactive voice response (IVR) systems  
A secure payment method includes receiving, at a computer of a payment service, a request from a requester for a one time use transaction identification token for a transaction. The one time use...
8776132 Single digital wallet across multiple payment platforms  
The present disclosure involves a method of conducting a transaction. In one aspect, the method includes: displaying a media program on a media display device; indicating, while the media program...
8775302 Method of and system for making purchases over a computer network  
A method of and system for making purchases over a computer network using an ATM card or the like is provided. In accordance with the invention, a consumer transmits his ATM card number over the...
8775304 Money transfer using cellular networks  
A method of transferring money from a first user to another user through a cellular network is disclosed. The method includes a the first user buying a voucher of a specified money from market and...
8775298 Methods and systems for directing and executing certified trading interests  
One or more aspects comprise: (a) receiving confidential information that comprises data regarding first and second market participants; (b) receiving order and targeting parameters from said...
8775284 System and method for evaluating fraud suspects  
A method for evaluating fraud suspects is provided that includes receiving suspect data identifying a plurality of suspects of a fraud. Monetary transaction information associated with the fraud...
8775306 Instant availabililty of electronically transferred funds  
A system and method for making proceeds of a transaction available to a user before the transaction is completed is provided. The system may be part of an on-line system or traditional merchant...
8775303 Systems and methods for validating an order purchased with an unspecified term  
The present invention is directed towards systems and methods for validating an order purchased with an unspecified term. The order may comprise an order for an access ticket or admission ticket...