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7620603 |
Systems and methods using paperless check 21 items
The disclosure describes a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The...
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7620600 |
Systems and methods for multiple sessions during an on-line transaction
The present invention generally relates to a system and a method for establishing a separate session during an on-line session. In one aspect, a method for establishing a session with a server...
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7620599 |
System and method for detecting fraudulent calls
Systems and methods for evaluating transactions to determine if suspicious activities are possibly present. Various methods include providing a reference designator list with information associated...
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7620596 |
Systems and methods for evaluating financial transaction risk
Methods and systems are provided for evaluating the risk of conducting financial transaction such as money transfers through representatives. In one embodiment, information generated by a money...
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7620594 |
Systems and methods of managing prepayment
Disclosed are systems and methods of managing financial transactions such as the prepayments of loans. Various embodiments of the invention allow a lender to pay a prepayment credit to a borrower...
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7620576 |
Method and apparatus for providing order queue information
A system and method for providing market information are disclosed. In this application, updates are received for a tradeable object at a price level from at least one exchange. To the extent that...
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7617152 |
Bankcard transaction exchange system
A novel bankcard transaction exchange system, which is also an exchange network and a settlement network of various bankcard transactions at the same time, comprising: a processing center, at least...
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7617151 |
Alternative player tracking techniques
Methods and apparatus are described for registering a player with a player tracking system on a gaming network. A player tracking account is created for the player using player information derived...
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7617140 |
Systems and method for improving investment performance
Methods for a data processor implemented system monitor for enabling persons to turn over the allocation of their investment assets, and/or receive assistance concerning how to receive...
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7614549 |
System and method for immediate issuance of transaction cards
A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon....
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7613656 |
Coupon payment system
As an alternative to bill payments made with paper checks, customers are provided with “Sign-to-Pay” payment coupons along with their bills. A customer elects to pay the bill either by check or...
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7613655 |
Value transfer systems and methods
One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves...
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7613654 |
Use of electronic devices for money transfer
A system for dispensing funds. The system includes a non-dedicated printer adapted to print indicia of a monetary value, and a postal security device coupled to the franking machine. The postal...
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7613653 |
Money order debit from stored value fund
According to the invention, a method for transferring a credit amount out of an online system using a money order is disclosed. In one step, pay-out instructions are received at a server computer...
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7613632 |
System and method for performing automated testing of a merchant message
Error-testing of merchant messages to be used with point-of-sale (POS) devices is performed by an automated system that receives a formatted message to be tested from a merchant or an agent of the...
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7611046 |
Point of sale devices for converting promissory transactions into debit transactions
Systems and methods are provided for using a point of sale device to obtain authorization from a customer to convert the customer's promissory transaction to a direct debit transaction. In an...
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7611045 |
Enclosure for automated banking machine
Automated banking machine (ATM) in which the chest or secure enclosure is adapted for use in either a front-load ATM or a rear-load ATM. The chest housing includes both front and rear openings...
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7610257 |
Computer-implemented risk evaluation systems and methods
Computer-implemented systems and methods are disclosed herein that relate to processes, which construct an empirically derived and statistically based risk evaluation and policy formulation system....
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7610040 |
Method and system for detecting possible frauds in payment transactions
Method for detecting possible frauds in payment transactions between at least two partners ( 1, 2 ),
the payment transaction data and/or payment authorization data being transmitted over at...
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7606764 |
Installment purchase card and related systems and methods for making informed consumer purchases
Systems and methods for making installment based credit purchase. A consumer may access a network interface to see how a contemplated purchase will affect their existing obligations on the account...
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7606763 |
Systems and methods for improving auction liquidity
Systems, methods, apparatus, and means for improving liquidity in a securities auction include selecting a cover to use to provide general liquidity to the auction, the cover having a plurality of...
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7606762 |
System and method for providing a distributed decisioning environment for processing of financial transactions
A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or...
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7606761 |
Data output control apparatus
The invention provides a data output control apparatus which allows detailed information on a network to be readily obtained, which is advantageous with respect to cost, and which is suitable for...
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7606760 |
Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
A virtual payment card system for ordering and paying for goods, services and content over an internetwork is disclosed. The virtual payment card system comprises a commerce gateway component ( 52...
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7606746 |
Like kind exchange system and method
A database tracks acquired and relinquished assets and permits assets to be combined for like kind exchanges to realize a tax benefit. Relinquished assets that have been depreciated to recover a...
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7606408 |
Magnetic ink character reading method and program
A magnetic ink character reading apparatus, magnetic ink character reading method and program, and a POS terminal apparatus reduce recognition errors and thereby improve the read rate. The magnetic...
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7606162 |
Tracking of process-related communication
The disclosure relates to tracking process-related communications between at least two members. To allow project planning, the invention provides a method in which communication events between the...
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7603315 |
Self-service terminal
A self-service terminal ( 14 ) is described The terminal is associated with an organization ( 18 ) having individuals ( 36 ) under its supervision, each individual having a sponsor, whereby the...
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7603313 |
Charging system and charging method
A user sends data for requesting a service provider to provide predetermined service and signature data created based upon the data to the service provider, the service provider calculates a fee...
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7603312 |
Altering card-issuer interchange categories
This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions and the accompanying potential fee savings. In some...
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7603311 |
Process and device for conducting electronic transactions
A process and a device for conducting electronic transactions provides a more effective and efficient way to make a payment over the Internet. This process and device could be used to pay, for...
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7603302 |
Automated banking machine system with multiple entity interface
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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7600680 |
Time delimited multiple admission method and system
Systems and methods are disclosed for providing a provision of access to services. A time delimited, multiple use ticket/admissions card is provided that controls admission to services offered by...
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7599887 |
Method and system for prepaid roaming minutes
A method and system for prepaying roaming minutes including crediting a user's account with prepaid roaming minutes at a discounted rate. The roaming minutes are subtracted from the user's account...
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7599886 |
System and method for allocating mortgage repayment funds
A system and method for computing mortgage amortization so as to allow the borrower to pay down the principal portion of his or her mortgage faster includes calculating traditional and modified...
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7599885 |
Many-to-many correspondence: methods and systems for replacing interbank funds transfers
By establishing a correspondence account in each Financial Service Provider (FSP) of a group of FSPs and a secure inter-FSP messaging mechanism, transfers of funds entirely within member FSPs (FSP ...
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7599884 |
Programmable joint payment guarantee financial instrument set
A number of implementations of a transaction settlement process are illustrated. A system verifies buyer, seller, and financial institution data and instructions. The system stores buyer credit...
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7597249 |
Automated banking machine system with multiple browsers
An automated banking machine ( 12 ) is operative to conduct transactions in response to mark up language documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an...
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7596529 |
Buttons for person to person payments
A process for facilitating payment between a buyer and a seller with an online money transfer performed over a wide area network is disclosed. In one step, login information relevant to a vending...
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7594606 |
Transaction card system and approach
A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase...
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7593901 |
System and method for improving reliability of distributed electronic transactions
A system and method are disclosed that separate control functionality from the management functionality for conducting electronic transactions. The control functions are performed by a third party...
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7593898 |
Method and system for payment transactions and shipment tracking over the internet
A method for completing a transaction in response to a determination that goods have been acceptably delivered to a buyer. The method is particularly suitable for use in an online commerce system...
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7593897 |
Wireless system for communicating cashless vending transaction data and vending machine audit data to remote locations
The present invention relates to a system that is scalable and configurable to include vending equipment audit capabilities, a card reader assembly having a card reader processor interface board...
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7593896 |
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 transaction,...
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7593894 |
Method, software program, and system for structuring risk in a financial transaction
A method of structuring a financial transaction, including allocating to a transaction pool n credits, each of the credits having an obligation to make specified payments and each of the credits...
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7593875 |
Financial system for isolated economic environment
A system and method for conducting financial transactions in an isolated economic environment. The present invention includes a non-isolated financial account system based in a non-isolated...
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7590575 |
Method and apparatus for converting, formatting, and displaying currency values
A conversion function for converting between the euro and other currencies is provided that converts a value in one type of currency to a value in another type of currency according to EU-specified...
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7587367 |
Method and system to provide feedback data within a distributed e-commerce system
A system and method to provide feedback data within a distributed feedback system of an e-commerce system. Feedback data describing e-commerce transactions are generated by buyers of goods and...
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7587363 |
System and method for optimized funding of electronic transactions
The invention provides systems and methods for managing transactions. The system includes a data input portion that communicates first information regarding a payment request, as well as a decision...
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7587362 |
Data processing system for managing and processing foreign exchange transactions
Data processing systems for international commerce, and in particular relates to cross border transactions in which a foreign exchange transaction is required to settle payment for goods or...
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