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8380590 Method and system for detecting recurring income from financial transaction data  
A method and system for detecting and categorizing recurring income whereby financial transaction data associated with a given user is obtained from one or more sources. One or more income...
8380574 Method and system for validating a transaction, corresponding transactional terminal and program  
A method and apparatus are provided for validating a transaction on a transactional terminal, the transaction being associated with a user. The method includes a step of decoding a validation code...
8374940 Wealth allocation analysis tools  
Enhanced processes, methods, tools, strategies, and techniques are provided for more effectively and efficiently processing, managing, analyzing, and communicating wealth related data and other...
8374964 Methods and systems for processing stranded payments and lockbox payments at the same designated payment location  
Embodiments of the invention describe an electronic method for processing stranded payments and lockbox payments at the same designated payment location. The method includes receiving a stranded...
8374962 Stored value payouts  
According to the invention, a method for automatically processing an incoming payment for a payee with an online money transfer system. In one step, information is received at the online money...
8374959 Managing lead-based feedback in a network commerce system  
A network commerce system comprises a product sale listing searchable by a consumer and comprising one or more products provided by a third-party. A lead tracking module is operable to track...
8374958 Method and apparatus for the payment of internet content  
A payment system for accessing Internet content is located within an Internet service providers network. The system includes an access controller (106) and a payment authority (108). When an...
8374957 Systems and methods for automated payment processing  
Apparatus and methods to process loss payments are described herein. In one example, an apparatus includes one or more data stores, a rules engine, an audit engine and a payment engine. In another...
8374961 On-line payments facility  
A computer system implements a counterparty management module and a payment module for processing employee direct payroll deposits. The counterparty management module permits an employer to add...
8374967 Method and apparatus for controlling rented or leased or loaned equipment  
A method and apparatus relating to the renting, leasing and/or loaning of electronic equipment operable and/or controllable by a computer, wherein one entity not in physical possession and/or...
8370255 System and method for providing extra lines of credit  
A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card...
8370223 Broadband intelligent event repository  
A broadband intelligent event repository may be provided. The broadband intelligent repository may allow a cross processing life cycle phase view of an event. In addition, the broadband intelligent...
8370221 Survey lifecycle tracking  
Tracking and management data for a survey distribution and response lifecycle is disclosed. The system generates and links tracking data for both the distribution and the response, generates...
8370259 Verifying the source of electronically exchanged value  
Computer-implemented method and system are provided for verifying a financial instrument. The method comprises performing a plurality of transactions using a source of electronically exchanged...
8370256 Method and apparatus for dynamic financial liability management  
Financial liabilities are dynamically managed by receiving liability information relating to a client associated with multiple financial liabilities. Each financial liability is associated with a...
8369828 Mobile-to-mobile payment system and method  
A mobile-to-mobile payment method and system are presented. One or more payor messages are received at a payment server from a mobile device associated with a payor. The one or more payor messages...
8363899 Method and system for processing vehicular violations  
A method includes receiving paper comprising information regarding a vehicular violation, the information comprising a unique vehicle identifier and a violation classification, extracting from the...
8364588 System and method for automated detection of never-pay data sets  
Data filters, models, and/or profiles for identifying and/or predicting the never-pay population (for example, those customers that make a request for credit and obtain the credit instrument but...
8364793 Communication terminal, user data transferring system and user data transferring method  
A first communication terminal is a communication terminal which executes an application using user data which can be output to a second communication terminal, and has a management data making...
8364576 Tradable investment unit  
A tradable investment unit is an inseparable combination of a predetermined quantity of a tradable security together with a put option contract for the predetermined quantity of the tradable...
8364586 Systems and methods for implementing intelligent banking account system  
A person stores funds in a lower interest checking account and a higher interest savings account of a banking institution. For each of a plurality of cycles, funds are received at the beginning of...
8364583 Method and apparatus for processing a cardholder's inquiry or dispute about a credit/charge card  
A method and system for processing a credit request from a credit/charge cardholder which automatically applies a rules-based decision process to determine whether to credit the cardholder's...
8364565 Systems and methods for data processing  
Methods and systems are disclosed for managing bundle pricing of services. In one implementation, a system comprises a database for storing master contracts and billing customizing tables. The...
8364591 Track data mapping system for processing of payment transaction data  
Systems and associated apparatuses and methods for processing payment transactions. A merchant's data processing system may provide payment transaction data in a first format (e.g., Track 1) to a...
8364566 Method for managing group finances via an electronic network  
The present invention provides a method of managing group finances via an electronic network. Transaction details are received from a member of group via an electronic network. The transaction...
8364544 Comprehensive online bidding and sales management system for merchant processing services  
A comprehensive online bidding and sales management system and method for merchant processing services of global credit card transactions. Merchants using the system can obtain multiple bid...
8364550 Payment system for electronic data  
A payment method and system are provided for electronic data that is purchased by a recipient from a supplier thereof for transmission to the recipient with payment being made in advance of...
8364584 Dynamic currency conversion system and method  
A system for dynamic currency conversion is provided. The system includes a bank identifier system determining whether currency conversion is available for a card-issuing bank of a presented card,...
8364498 Healthcare claim and remittance processing system and associated method  
A system for processing healthcare claims and remittances comprises a database and an electronic portal. The database contains previously received healthcare claims from a plurality of healthcare...
8359210 Method and system for providing healthcare expense payment recommendations  
A method and system for providing healthcare expense payment recommendations whereby a computing system implemented data management system, such as a computing system implemented healthcare expense...
8358616 Peer-to-peer communication charging method, communication system and charging device  
A peer-to-peer communication charging method for charging instant messaging services in a peer-to-peer network, includes the steps of: a) sending, by a service application server to a charging...
8359269 Internet billing method  
Equipment of a provider performs operations including facilitating establishment of first communications between the equipment of the provider and equipment of a purchasing customer to establish a...
8359266 Method and system for an inter-financial institution transactional network  
Systems and methods for conducting transactions across financial institutions are presented. More specifically, in one embodiment a financial transaction center may be provided such that...
8359211 System and method for active insurance underwriting using intelligent IP-addressable devices  
A system and method are disclosed herein for maintaining an inventory of assets located at an insured property covered under an insurance policy based on data received from IP-addressable devices...
8359268 System and method for processing financial transactions  
A system for processing financial transactions based on consumer preferences is disclosed. The system allows a user to specify on a payment device a consumer preference which is communicable to a...
8355935 Third party information transfer  
A method allowing a professional service provider to access client data stored in an online account without storing confidential account information by the professional service provider. In...
8355987 Systems and methods to manage information  
Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility and an interchange coupled with the data...
8355986 Methods and systems for managing government issued entitlements  
A method for designating accounts for funds from a check to be deposited is described. The method includes receiving, at a processing center having a processor, a direct deposit government...
8355959 Payment service capable of being integrated with merchant sites  
A computer-implemented service integrates with merchant sites to enable registered users of the service to perform purchase transactions on the merchant sites. In one embodiment, a merchant can...
8352323 Conducting an online payment transaction using an NFC enabled mobile communication device  
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...
8352365 System and method for electronic bill presentment using a third party  
A method and system for electronic bill presentment and payment using a third party intermediary is described. A third party provides an electronic post office that uses a virtual address directory...
8352367 System and method for facilitating large scale payment transactions  
A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to...
8352362 Secure authentication and payment system  
A transaction and payment and processing system securely conducts transactions over the public telephone network. The transactions may be between and among entities of any type such as individuals,...
8352360 Method and system for secured transactions over a wireless network  
A method and system are disclosed for booking and paying a retailer having a POS, which can be a low cost thin client computer system, connected to a transaction server storing confidential user...
8352364 Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages  
A method of performing financial transactions between users of Summa accounts, each Summa account including an electronic messaging system that provides for crediting and debiting at least one...
8352366 Method and system for flexible payment processing  
A computer-implemented method is provided for enhancing payment flexibility. The method includes receiving payment notification including a payment amount and a payment date for an identified...
8346657 Systems and methods for implementing a reverse mortgage  
A method, system and computer-readable medium for providing a reverse mortgage instrument for use in an existing mortgage are disclosed. In certain circumstances, a reverse mortgage is beneficial...
8346660 System and method for two-way transfer of funds and electronic content between summa account users with gathering of behavioral metrics and management of multiple currencies and escrow accounts  
A method and system for creating a pre-defined electronic transactions is disclosed. the system comprises a server in communication with a database and a computer network, and the server is...
8346643 Point of service third party financial management vehicle for the healthcare industry  
A method for point of service third party adjudicated payment, which includes providing payment system access information to a point of service provider, receiving from the point of service...
8346658 Line of credit with pre-agreed line increases  
A line of credit with pre-agreed line increases is described. In example embodiments, the line of credit is secured by a residence, and the borrower can agree at initial closing to periodic line...