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8185439 |
Patronage incentive saving system and method for retail businesses
A method of doing business in a retail environment employs a patronage incentive system incorporating a rounding up saving software program which provides a customer making a purchase at a...
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8185470 |
Systems and methods for processing benefits
Systems and methods for processing, for example, childcare benefits include: issuing a benefit card to a childcare customer; receiving a start time for childcare service at a childcare provider,...
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8185443 |
Method and apparatus for authorizing a payment via a remote device
A method of and system for authorizing a transaction remotely is disclosed. A customer uses a computer to browse for a product displayed on the internet. The customer may enter a unique number into...
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8185457 |
Transaction risk analyzer
Methods and systems are disclosed for automatically identifying and managing potentially fraudulent transactions without adversely impacting legitimate customers. In one implementation, the methods...
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8181861 |
Electronic transaction security system and method
A computerized method for generating a time-limited number for use in a payment card transaction involving a payment card issued to a user by a financial institution. The payment card comprises an...
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8181854 |
Cash handling device having integrated wireless modem
A cash recycler or other currency handling device includes an integrated wireless modem. The wireless modem may be located within a housing of the cash recycler. The wireless modem may connect to a...
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8180706 |
Systems and methods for maximizing a rewards accumulation strategy during transaction processing
Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a...
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8180704 |
Lost credit card notification system and method
A system and method for notifying one or more credit card companies of lost or stolen credit cards relatively automatically upon noticing that the one or more credit cards are missing. A user...
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8180705 |
Method and apparatus for initiating a funds transfer using a mobile device
The invention is directed to a method and apparatus for initiating an electronic funds transfer. The system includes a first mobile device, a payment engine, and a payment repository. The first...
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8172136 |
Method of authorizing automated banking machine use responsive to user data read from data bearing records
An automated banking machine operates responsive to data read from data bearing records, such as user cards, to cause machine user authorization and financial transfers. Account data read from a...
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8175956 |
Method and apparatus for automated trading of equity securities using a real time data analysis
A system and method for buying and selling securities based on volatility and liquidity rather than other fundamentals is demonstrated. The method involves: providing at least one decision model to...
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8172130 |
Automated banking machine that operates responsive to data bearing records
A system controlled responsive to a data bearing record includes a card reader that is operative to read data from user cards including identifying data, and to authorize operation of an automated...
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8175966 |
System and method for identifying an alternative provider of telecommunications services
A method for selecting a service provider includes receiving a selection of a provider of telecommunications services, the selection being associated with a buyer. The method further includes...
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8175974 |
Portable storage device and transaction machine
In systems which execute transactions with an ATM using an IC card in which plural account information is registered in advance, one or more transaction information and intended use information...
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RE43351 |
Credit card validation for an interactive wireless network
An apparatus and method for validating a credit card over a wireless network. The apparatus includes a gateway for sending a credit card validation reply message to a wireless device in response to...
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8175968 |
Method and system for processing internet payments using the electronic funds transfer network
Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is...
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8175972 |
Pre-paid card transaction computer to load a loan on a pre-paid card
A loan transaction for a pre-paid card is approved for a borrower so that release of the loan proceeds is pending an activation of a pre-paid card. A pre-paid card transaction computer activates a...
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8175938 |
Method and system for facilitating merchant-initiated online payments
A method and system for facilitating merchant-initiated online payments are disclosed. According to one aspect of the present invention, a payment service provider's server receives a user's...
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8175965 |
System and method for providing prepaid services via an internet protocol network system
A system and method are disclosed for providing prepaid services via an open network architecture system having access to a network, such as the Internet via an Internet protocol. The architecture...
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8175953 |
Prepaid short messaging
A prepaid messaging solution using open networking standards (e.g., TCP/IP) to support pre-payment of Internet messaging services. The disclosed prepaid architectures/methods determine if a...
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8176324 |
Method and system for a secure virtual keyboard
Methods and systems provide a secure virtual keyboard represented as an onscreen keyboard with multiple levels of security. The secure virtual keyboard provides keys that are a combination of...
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8175967 |
Method for processing internet point of sale payment using automated teller machine switch settlement
Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is...
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8167197 |
Conversion system, terminal and method for paying with E-money
A conversion system includes a terminal apparatus for paying with one of a plurality of different types of e-money, and an intermediate server which issues intermediate e-money to the terminal...
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8170952 |
System and method for providing instant-decision, financial network-based payment cards
A system and method for issuance of a financial network-based payment card (generally known as a “payment card” or a “credit card”) almost instantaneously after application, wherein an applica...
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8170527 |
Real-time balance on a mobile phone
A system, method and prepaid payment mobile phone configured to display a current prepaid balance. The prepaid payment mobile phone receives a debit balance request from input on the mobile phone....
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8170941 |
System and method for generating random vectors for estimating portfolio risk
A system and computer-implemented method for generating random vectors for estimating portfolio risk is provided. Historical financial variable data of financial assets is stored in a memory....
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8167200 |
Authorization verification system
A transaction card payment authorization system wherein a user presents the transaction card issued by an issuer to a merchant to facilitate payment to the merchant through an acquirer. The system...
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8170953 |
Systems and method for screening payment transactions
Methods and systems for anti money laundering screening are provided. The method includes determining a risk score and a first validation code associated with the risk score, based on information...
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8165945 |
Transaction velocity counting for fraud detection
Methods and systems for detecting fraud based on velocity counts are disclosed.
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8165946 |
Customized financial transaction pricing
Enabling innovative merchant transaction pricing capability, while improving pricing process efficiency, is disclosed. When a merchant submits financial transaction account records to a payment...
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8166553 |
Method and apparatus for detecting unauthorized-access, and computer product
An unauthorized-access detecting apparatus that detects unauthorized access to a server that provides a service via a network includes a storing unit that stores a series of process request, which...
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8165958 |
Electronic bill presentation and payment method and system
A comprehensive electronic bill presentment and payment system and method is described. Bills can be received by the system, in any electronic format. Bills can also be received by the system...
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8165921 |
Dynamic exchange method and apparatus
In a live, expressive combinatorial exchange, each of plural bidders can submit a bid. Based on the submitted bids, an allocation of the bids is determined that is optimal for the type of exchange...
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8165953 |
System and method for creating and trading a derivative investment instrument over a range of index values
An investment instrument based on a range of index values is disclosed that allows investors to take risk positions relative to the size, or length, of the range. The investment instrument has a...
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8165381 |
Method and system for transaction decision making
According to one embodiment, the present invention relates to a method and a system for transaction decision making. According to an exemplary embodiment, a method and system for processing payment...
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8165939 |
Method of settling a real estate transaction and system implementing the method
An automatic, web-based, integrated method and system for processing financial details of a real estate settlement or other similar transaction. The system incorporates modular functionality to...
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8165938 |
Prepaid card fraud and risk management
A method of monitoring fraud associated with prepaid devices includes configuring fraud platform parameters which comprise one or more limits defined by one or more values, each limit associated...
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8165941 |
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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8160960 |
System and method for rapid updating of credit information
According to one embodiment, the invention relates to a system and method for evaluating the creditworthiness of an account holder of a credit account comprising the steps of determining, at least...
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8160959 |
Methods and systems for payment transactions in a mobile environment
Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that...
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8160934 |
Notification of resources of interest to members of a consumer group
An announcement distributor distributes, or auctions an opportunity to distribute, an announcement to an announcement recipient such as a consumer, issuer, merchant, or acquirer within a payment...
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8160943 |
Systems and methods to process transactions based on social networking
Systems and methods to verify and process requests received via social networking websites. In one aspect, a system includes a data storage facility to store data associated with a first phone...
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8160941 |
Interactive account management system and method
Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders....
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8160944 |
System and method for creating electronic real estate registration
A system for providing a registered land asset includes a property transaction database in communication with a computer network the property transaction database provides information related to...
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8156021 |
Data processing system and method for transmitting of payment advice data
Systems and methods for transmitting payment advice data from a payment computer system to a payee computer system are provided. An exemplary method may include generating a payment order and...
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8156041 |
Dynamic indicator for context sensitive real-time communications
A method and apparatus in which a Spender may spend money to buy an item, spend money on a donation, etc. A Spender (sometimes called a buyer) will typically use client software to access content,...
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8156042 |
Method and apparatus for automatically reloading a stored value card
To facilitate the sale of merchandise using a stored value card (SVC), a method and system are provided to automatically reload an SVC in accordance with automatic reload preferences associated...
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8155975 |
System and method for providing configuration and settlement processing of financial transactions using a hierarchy node model
Client systems use a scanner to convert a paper form of a document to a digital representation and then send the digital representation over a network to a host system for storage. The host system...
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8152061 |
System and method for processing closed loop cards and codes
Disclosed herein are systems, methods, and computer-readable storage media for processing closed loop cards/codes. The method includes identifying a closed loop card/code having associated money in...
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8156044 |
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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