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8775290 Using commercial share of wallet to rate investments  
Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the...
8775255 Internet business transaction processor  
Targeted products are offered over a communications network. Product data for a plurality of products from a plurality of distributors for the products is received. Customer data from a plurality...
8775305 Card-present on-line transactions  
Embodiments of the invention can provide systems and methods for on-line credit card transactions. According to one example embodiment of the invention, a method can be provided. The method can...
8775522 Transmission apparatus, reception apparatus, control method thereof, communication system, and program  
A transmission apparatus transmits e-mail to a reception apparatus through a network by selecting one of a communication method via a mail server and a communication method without intervention of...
8775805 System and method for variable length encryption  
Systems and methods for performing a secure transaction provided. In one embodiment, the method for encrypting data is provided, comprising: selecting clear text data; selecting a symbol set...
8768854 Secure protocol for transactions  
A secure protocol for transactions, such as electronic commerce transactions, is described that provides improved security through exploiting an independent (where this independence is logical...
8768829 System and method for providing transactional credit  
System and method for a second credit card issuer to provide transactional credit to a credit cardholder of a first credit card issuer, when the cardholder's account with the first issuer is in...
8769275 Batch settlement transactions system and method  
Systems and methods for performing settlement of token access transactions are provided. In one embodiment, the invention provides for batch processing bank card transactions, including receiving...
8769279 System and method for variable length encryption  
Systems and methods for performing a secure transaction provided. In one embodiment, the method includes: reading data on a command token, reading data on a token; encrypting the token data with a...
8768831 Systems, devices, and methods for managing a payment transaction  
Disclosed herein is a method for managing a payment transaction wherein a processor receives a transaction information input corresponding to a particular card type. The processor then accesses a...
8768840 Universal positive pay match, authentication, authorization, settlement and clearing system  
A Universal Positive Pay Database (UPPD) method, system and/or computer useable medium to reduce financial transaction fraud. A UPPD database is configured to store thereon transaction records...
8768833 System and method for syndicated transactions  
A transaction system has a first Internet-connected service provider enterprise and second enterprises maintaining each at least one financial account for a user. Third enterprises maintaining...
8768813 System for electronic re-allocation of a transaction amount to an investment  
This system may include a system for electronically reallocating any portion of a transaction by maintaining a user account at a user institution; maintaining a vendor account at a vendor...
8768828 Method and apparatus for processing on-line donations  
A computer-implemented method and apparatus for processing on-line donations is disclosed. An example embodiment includes elements to generate a donation badge for display on a web page; link the...
8768804 Data analysis system  
A data analysis system (1) for displaying data facilitating visual analysis of financial transaction is disclosed. The system includes a transactions database (3) operable to store transaction...
8768853 Secondary identification for remittance delivery  
There are provided a method, system and program storage device perform a remittance transaction. The method includes generating a remittance transaction to transfer funds from an account...
8768836 System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image  
A system and method for initiating a deposit transaction, where the depositor is a banking customer located at a remote location, and where the item to be deposited is a financial instrument, such...
8768801 User managed spending plan  
A method for managing credit card spending, including receiving a managed spending limit for a credit card account set by a user, where the managed spending limit does not exceed a credit limit...
8768830 Method and system for a multi-purpose transactional platform  
Methods and systems described herein can consolidate a plurality of a consumer's payment and non-payment source accounts into a consolidated platform with a customer identification or available...
8762270 System and method for providing supplemental payment or transaction information  
A system and method for providing supplemental payment or transaction information. The method comprising the steps of receiving at least one payment file from at least one payor; receiving at...
8762261 Consumer behaviors at lender level  
The present disclosure generally relates to financial data processing, and in particular it relates to lender credit scoring, lender profiling, lender behavior analysis and modeling. More...
8762267 Money transfer system and messaging system  
A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The...
8762264 Communication system and information processing method  
A network transaction server apparatus manages virtual world privilege information that is issued for a transaction that a user has conducted in a virtual world by manipulating a personal...
8762284 Systems and methods for facilitating secure transactions  
Various embodiments are directed to methods for generating proxy account data for a financial account and authorizing payment from an account of a customer based on proxy account data. Example...
8762262 Method and system for automatically collecting payment for a credit account  
A method for automatically collecting payment for a credit account includes determining if a credit account is delinquent and determining the number of days the credit account is delinquent. The...
8762268 Electronic commerce network with transactions analytics  
A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an...
8762245 Method and system for providing an immediate variable annuity  
A computerized method of providing an investment product that determines a provisional payment amount based upon investment returns. The provisional payment amount is compared to a payment cap and...
8762235 Apparatus, methods and computer programs for metering and accounting for services accessed over a network  
Apparatus, methods and computer programs provided for metering and accounting in a commercial e-services infrastructure address the requirement for handling composite services in which...
8762265 Method for collecting and disbursing electronic gratuities  
The present invention relates to systems and methods for collecting and disbursing electronic gratuities. According to one embodiment, a device for submitting gratuities by credit card is provided...
8761809 Transaction using a mobile device with an accelerometer  
Embodiments of the invention may use a first accelerometer to measure first acceleration data of a first device. Other interaction data, including time data and geographic location data, generated...
8762266 Systems and methods for performing funds freeze and/or funds seizure with respect to prepaid payment cards  
Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to...
8762269 ***WITHDRAWN PATENT AS PER THE LATEST USPTO WITHDRAWN LIST***
Systems and methods for providing a user interface for facilitating personal payment transactions
 
Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic...
8762224 Payer device that changes physical state based on payer information  
A method for providing payer information on a payer device includes providing a payer device that includes at least one physical state change component moveably coupled to the payer device. Payer...
8762263 System and method for secured account numbers in proximity devices  
A method and system for using a secured account number for processing proximity types of wireless financial transactions associated with portable consumer proximity devices is disclosed. In one...
8762276 Method and apparatus for utilizing recognition data in conducting transactions  
An approach is provided for utilizing recognition data in conducting service transactions.
8762275 Systems and methods providing multiple account holder functionality  
Embodiments of the invention may relate to systems and methods providing multiple account holder functionality for stored value accounts. In one embodiment, a method may include executing computer...
8762277 Overdraft protection and forgiveness  
Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed towards a system that is configured to receive transaction...
8762241 Online quick key pay  
A quick pay option is provided so that a user can make a payment from a merchant site by simply entering in a user identifier in a pop-up window. Limits are set for the quick pay option and may...
8756158 Currency recycler  
A cash recycler that is configured to allow deposited money to be dispensed (recycled) in a withdrawal transaction. In one embodiment, multiple currency recyclers could be used at multiple stores...
8756150 Credit card system and method  
A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited...
8756157 Method for providing a card-linked offer  
A system transfers money to a payee's payment card account, without requiring an additional payment card or without acquiring a payee's payment card or account information. A payee registers a...
8756657 Mobile or user device authentication and tracking  
A system and method, according to one or more embodiments, includes a server computing device configured to communicate with a network-based device via a network; a visitor identification, in...
8751392 Method for transferring funds  
A method to transfer money to a payee's payment card account, without requiring an additional payment card or without acquiring a payee's payment card information is disclosed. A payee registers a...
8751295 System and method for providing international coupon-less discounts  
The systems and methods of the disclosure allow user from various countries to take advantage of offers when they are traveling internationally. Once the purchase associated with the offer is...
8751391 System and process for performing purchase transactions using tokens  
The invention relates to a method and process by which an existing and large network of devices can be used by consumers to authenticate themselves, and permits each consumer to apply any of the...
8751386 Impulse donation/buy without risk method  
A method and system are disclosed for enabling a subscriber to a service provider to purchase goods or make donations to a third-party unaffiliated with the service provider. The system generates...
8751387 Payment application framework  
Embodiments of the present invention provide a payment application framework. In an example embodiment, a request at a payment facilitator is received. The request is for a split payment to a...
8751347 Payment entity device transaction processing using multiple payment methods  
A method begins with a payment entity device receiving an accounts payable data file from a client entity processing module. The method continues with the payment entity device determining a...
8751401 System and method for securely authorizing and distributing stored-value card data  
A computerized system and method for securely authorizing and distributing stored-value card data over a communications network is provided. The method allows for storing in the database a...
8751395 Verification methods for fraud prevention in money transfer receive transactions  
A computer system is operated to prevent fraud in a money transfer receive transaction. A send transaction request is received from a sender for a money transfer including a send amount. The...