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8751383 Multiple account advanced payment card and method of routing card transactions  
A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data...
8751342 Identifying potential customers using payment information  
Aspects of this disclosure relate to a computer configured to identify potential customers which may include a processor and memory storing computer executable instructions that, when executed,...
8750901 Location aware requests  
A mobile payment network receives a payment request from a first user operating a first mobile device and identifies recipients of the payment request based at least in part on the proximity of...
8751380 System and method for managing merchant-consumer interactions  
A system for combining a payment mechanism with an offer to a consumer is described. The system includes a virtual payment account number generation engine to generate virtual payment account...
8751397 Card-less financial transaction  
Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash...
8751374 System, method, and apparatus for managing wastewater treatment installation  
Apparatus for managing a residential wastewater treatment system includes an in situ control unit that monitors an individual system. The control unit provides local control and alarms, and also...
8751381 Demand deposit account payment system  
A method and system for processing DDA payment transactions including generating a private virtual identifier, associating the private virtual identifier with a DDA, and generating a public...
8751315 Using a mobile device as a point of sale terminal  
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of...
8751382 Chapter 13 bankruptcy trustee payment system and method  
Exemplary embodiments are directed to a method of paying a trustee, including providing debtor information to a database, initiating at least one electronic fund transfer, transmitting the debtor...
8751375 Event processing for detection of suspicious financial activity  
Event processing for suspicious activity detection is disclosed. Financial events can be detected by receiving data from a plurality of detection channels. The data can optionally be enriched by...
8751399 Multi-channel data driven, real-time anti-money laundering system for electronic payment cards  
Electronic payment card money laundering detection includes receiving real-time payment card transaction data from ingress channels and an egress channels of at least one payment card system...
8751379 Mobile money transfers  
Methods and systems are disclosed for conducting person-to-person money transfers over a handheld mobile device using any suitable text messaging service. In one implementation, the money transfer...
8751376 Financial instrument having credit and pre-paid characteristics  
Embodiments of the present invention provide for methods and systems for providing a financial instrument that possesses both credit features (secured and unsecured) and prepaid features. When a...
8751393 System and method for interactive virtual banking  
Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating...
8744921 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...
8744958 Systems and methods for secure and transparent cardless transactions  
Systems, methods, and apparatus for handling and/or authorizing payment requests by a consumer for a transaction are provided. Payment information can be sent directly from a consumer to a...
8744938 Secure single-use transaction numbers  
Methods for producing and applications for single-use transaction numbers. The transaction numbers are single-use in that the numbers are only valid for a single transaction. The transaction...
8744956 Systems and methods for permission arbitrated transaction services  
Systems and methods disclosed enable a permitting party to share credit data and/or personal information with a receiving party, such as an individual with whom the permitting party has...
8744963 Method for transferring an amount to be paid  
A method for transferring an amount to be paid is provided. The method includes searching for available wireless devices and selecting a payee via input provided through one of the available...
8744957 Prepaid micropayments solution  
An infrastructure and method for making online payments without the use of a credit card is disclosed. The infrastructure includes a prepaid technology module for receiving information related to...
8744961 Method of providing secure payment and transaction reconciliation  
A method of paying a merchant for a transaction associated with a program. The method including the steps of receiving a request from a merchant for a payment associated with a purchase,...
8744940 System and method for distributing mobile compensation and incentives  
A system and method for distributing incentives via mobile devices is described. One embodiment, a computer-server-based method, receives a request from a merchant to generate an incentive which...
8744959 Electronic bill payment with variable payment options  
A system for third party bill payment services used by a payer to pay a biller with whom a payer has an account includes a third party computer system for accessing biller data, the biller data...
8744919 Systems and methods for retail networking  
Computing systems, methods, and program products can support a closed retail network. A computing system can receive an inquiry from a first member entity of a retail network and identifying a...
8744968 Providing automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device  
Systems, methods and computer programs provide for automated initial and final payment for an activity based on determining the location of an activity participant's mobile communication device....
8744939 Methods for implementing a loyalty program  
A method of rewarding loyalty of a user may include providing a personal terminal to the user, detecting whether the personal terminal is within proximity of an interaction terminal, and based at...
8744942 Method, system and computer program product for managing funds in custodial deposit accounts  
A method, system and computer program product for managing aggregate funds held in a custodial deposit accounts by a custodial agent on behalf of a plurality of individuals. According to the...
8744943 Displaying values specified in a number of offers for a number of offer variables with respect to price  
A method for displaying values specified in a number of offers for a number of offer variables with respect to price includes receiving data for multiple offers that reflects values specified in...
8740070 System and method for offering and managing online purchasing card transactions  
A purchase card system configured in accordance with the invention offers purchase card products that facilitate online purchases of life sciences research products and/or services via an...
8738515 Systems and methods for determining thin-file records and determining thin-file risk levels  
In some embodiments, systems and methods are disclosed for generating filters to determine whether a consumer is likely to have a scoreable credit record based on non-credit data, and to determine...
8738452 Processing separate items via a single retailer action  
A method, system, and medium are provided for processing multiple items for retail sale via a single retailer action. Upon scanning a machine-readable marking that is associated with multiple...
8738453 Data processing system for complex pricing and transactional analysis  
The present invention provides methods and systems for defining financial transaction components; defining mapping rules for taking individual financial transactions and breaking them down into...
8738475 System and method for associating financial transaction data with a user's project data using a portable electronic device  
This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a...
8738455 Systems and methods to determine a value relating to a post  
Products and processes are provided in which an award for a commitment from an entity to post information, via a posting site, at or before a subsequent time is offered to an entity. In response...
8738519 Waiver decisioning  
A system and method of identifying one or more waivers for waiving a fee associated with an account of a customer at a financial institution. The system and method may include identifying, based...
8738539 Virtual account based new digital cash protocols  
Virtual account based digital cash protocols employ two pairs of private and public keys. Each public key is certified separately and the protocols do not use any blind signature schemes. As a...
8738520 Send and receive side control of money transfer parameters  
A computer system in a money transfer transaction. A request is received from a sender on a send computer to send a money transfer having a send amount. The sender is prompted on the send computer...
8738518 Methods and systems for executing a plurality of money transfers having a fluctuating parameter  
Systems and methods are provided for executing a plurality of money transfers, at least one term of which is dependent on the value of a fluctuating parameter, for example a currency exchange rate...
8738542 Method and system for indicating product return information  
The invention relates to a method and system for indicating customer information having a computer, software executing on the computer for assigning each customer of a plurality of customers a...
8738521 Method and system for processing internet payments using the electronic funds transfer network  
Embodiments of the invention include a method and system for conducting financial transactions over a payment network. The method may include associating a payment address of an account with an...
8738485 Contactless prepaid product for transit fare collection  
Transaction processing in an offline environment for a prepaid product comprising a portable consumer device includes responding to presentation of the prepaid product at a reader for offline...
8738523 Systems and methods to identify and profile a vehicle operator  
A method for assessing risk associated with a driver of a vehicle includes receiving a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the...
8738522 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 (“PPS”)....
8738517 Authentication data-enabled transfers  
Some embodiments may provide a method comprising receiving an identification of an entity from a network-based commerce system and receiving authentication data associated with the entity from the...
8732076 Methods and systems for providing a savings goal  
Example embodiments describe a method and a system to control activities of a financial account. In example embodiments, a secondary account is linked to a primary account. Within the secondary...
8732075 System and method for personalized commands  
Various embodiments of a system and method for personalized commands are described. The system and method for personalized commands may include a payment service including a command management...
8731982 System and methodology for sequential navigation and monitoring in a business process or complex task  
A method and system to monitor steps in a business process or complex tasks are described. The method may include displaying a graphical step monitor in a graphical user interface of an...
8732046 Method and system for creating data for business rigor measurement and management of capacity, cost and risk  
A method for managing business rigor for a financial institution includes receiving business rigor data based on activities to implement a plurality of core products. A performance table, unit...
8732049 Object oriented system for managing complex financial instruments  
Object oriented design strategies and patterns are applied to financial data processing systems for processing and modeling of financial products (also referred to as financial instruments) with...
8732083 Managing consistent interfaces for number range, number range profile, payment card payment authorisation, and product template template 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...