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7886066 |
Zero-minute virus and spam detection
Disclosed are systems and methods for detecting unwanted electronic message transmissions on a communications network. These include establishing a database for storing metadata associated with...
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7885864 |
Network photograph service system
By providing a network photograph service, prompt service can be provided to a customer without losing the advantages of easier understanding of where to access when placing an order and easier...
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7885893 |
Method and system for the authorization of and payment for electric charging of vehicles
Methods and systems provide power to a mobile recipient and allow the recipient to pay for the power obtained by having it charged to an account other than the account for the location at which the...
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7885880 |
Atomic deposit transaction
A user may generate a digital image of a negotiable instrument such as a check. The digital image may be transmitted to an institution in a digital image file for deposit of the check. After the...
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7885637 |
Billing in mobile communications system employing wireless application protocol
The invention relates to a network part and a method for generating billing data in a mobile communications system employing a wireless application protocol. The network part of the mobile...
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7883007 |
Cash dispensing automated banking machine system and method
Automated transaction machines operate responsive to data read from data bearing records to carry out financial transfers, which can include the dispense of currency notes and the conduct of...
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7885870 |
System for providing banking services by use of mobile communication
A system for providing banking services by use of a mobile communication system, in which a variety of financial transactions including inquiry of at least one financial account of at least one...
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7885889 |
System and method for processing data pertaining to financial assets
A data processing system for processing loan data for a plurality of loans including a data storage system configured to store loan data for the plurality of loans and a user interface including...
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7882153 |
Method and system for electronic messaging of trade data
A method for electronic messaging of trade data involves receiving trade data having an unknown format in an electronic message, where trade data includes individual trade data elements, processing...
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7882031 |
Anti-crimes financial network
A computerized system is established through a network to help business organizations conduct and manage their businesses with anti-financial crimes provisions according to the government...
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7882028 |
Systems and methods for credit card fee calculation
In some embodiments, a calculation system may be used by a merchant to determine a merchant fee associated with a credit card transaction. The calculation system may consider various...
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7881991 |
Receipt presentment systems and methods
A method of presenting an image of a receipt to a consumer includes electronically capturing a receipt and storing the receipt at a host computer system. The method further includes receiving a...
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7882000 |
Automated payment system and method
An automated payment system for processing payment by a customer to a company. The payment system includes a document scanning system which has an input receptacle adapted to accept a document....
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7882004 |
Construction payment management system and method with hierarchical invoicing and direct payment features
A system and method for managing a construction payment process. One method embodying the invention can include creating an electronically-executed first request for payment on behalf of a first...
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7881996 |
Method and system for screening financial transactions
Efficiently screening ACH items and providing an indicator of the screening result. Electronic files, which can be in the NACHA file format, comprise ACH items. A gateway operator or an originating...
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7882029 |
Centralized billing credit system utilizing a predetermined unit of usage
Disclosed is an electronic transaction recording system for accumulating data from printer devices comprising a mobile access unit containing content which is to be printed, a printer device which...
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7877423 |
Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information
This disclosure describes a system that electronically collects, translates, groups, and delivers wage assignment information from at least one initiator to at least one recipient via an...
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7877300 |
System and method for processing orders involving full truck shipments
A system and method of processing an order comprises receiving an order for desired items, and calculating a collective physical parameter(s) of the items such as a total weight of the items, a...
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7877322 |
Preferred credit information data collection method
A creditor creates a lock box at a financial institution. The lock box includes an escrow provision. A consumer makes regularly scheduled payments to the financial institution and designates the...
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7873576 |
Financial document processing system
A system for processing deposits and/or withdrawals in a financial institution accepts a plurality of documents, including currency bills, at an input receptacle of a document-processing device,...
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7873574 |
Method and system for using reward points to liquidate products
A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The...
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7873572 |
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...
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7870072 |
Systems and methods for providing multiple entities with access to account information
A user may log into a system containing data pertaining to a jointly owned funding account of which he is a co-owner. The user may view information directed to the jointly owned funding account,...
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7870071 |
Systems, methods, and devices for combined credit card and stored value transaction accounts
The present invention generally relates to a single transaction account identifier that can be used for in transactions with one of multiple transaction accounts. The method includes one or more of...
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7870070 |
Methods and systems for electronic bill presentment and payment
The present invention provides methods and systems for processing bills for a customer. A request for master data of the customer is received from a first processing module by means of a second...
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7870066 |
Automatic dispute resolution
A method and system for resolving disputes between parties involved in a network-based transaction is described. One aspect of the present invention seeks to automatically facilitate the...
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7870044 |
Methods, systems and computer program products for a cloud computing spot market platform
This disclosure details the implementation of methods, systems and computer program products for a cloud computing spot market platform (hereinafter, “Platform”). Fluctuations in demand for com...
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7865410 |
Aggregation of user usage data for accounting systems in dynamically configured networks
A method and apparatus for providing an aggregated account metering system to a computer network service provider resulting in comprehensive detailed subscriber accounting records. Accounting...
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7865411 |
Accounts payable process
Techniques for performing an accounts payable process may include receiving transaction data including at least one of invoice data, purchase order data, and vendor data; and verifying a...
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7865448 |
Methods and systems for performing credit transactions with a wireless device
Methods and systems are provided of initiating a wireless device for use in performing transactions. A wireless communication is received from the wireless device at a host system. The wireless...
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H002252 |
Integrated pre-collections system
A pre-collections system identifies debtors when they contact a company for a new purchase. A customer service representative (or other automated process) takes payment for the prior debt in real...
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7865428 |
Computer-implemented method and system for managing accounting and billing of transactions over public media such as the internet
A system and method for managing accounting and billing e-commerce (including m-commerce) transactions. The user may connect to the e-commerce network by placing a call from a land line or sending...
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7865435 |
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...
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7860783 |
Account-level fraud detector and associated methods
A method of generating a model for performing account-level fraud detection is disclosed, and includes obtaining a plurality of candidate rules for referrals of financial transactions, calculating...
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7860791 |
Financial instrument utilizing a customer specific date
According to one embodiment of the invention, a financial instrument issued to a customer includes an account and a guarantee of a protected value. The account has an account balance that changes...
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7860748 |
Charging in a communication system
A method for charging in a communication system is described. The method comprises initiating provision of a service for at least two parties. Further, it is verified that each of the parties is...
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7860934 |
Method and apparatus for tracking financial transactions for a user
A system that tracks financial transactions for a user is presented. During operation, the system receives an electronic message which includes one or more parameters for a financial transaction....
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7860949 |
Communication terminal
A client terminal which uses image data processed based on an image processing request sent to an image processing server is connected via a network. The communication terminal includes a...
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7860764 |
Method and system for leasing motor vehicles to credit challenged consumers
A system is provided for leasing motor vehicles to credit challenged consumers or consumers that do not qualify for conventional financing. The system utilizes a short term prepaid lease in...
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7860773 |
System and method for providing secure retirement benefits via a conversion process
A method for providing a person with a secure retirement program employs a computerized system to allocate assets owned by a person towards purchase of retirement benefits. The system selects at...
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7860598 |
Method, device, computer system and computer program product for controlling a material flow
In a method for controlling material flow in production, or a consumable or replacement part maintenance, of a product comprised of a plurality of individual parts, the individual parts are...
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7860806 |
System and method for charging for data reception
Systems and methods that make use of acknowledgments in the charging of users for data reception. Certain of these systems and methods additionally consider quality of service.
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7856400 |
Billing based on the type of printed document
Techniques are provided for billing a customer for printing services based on the type of document printed. Types of documents may include business cards, books, postcards, photographs, marketing...
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7856385 |
System and method for management and processing of bankruptcy claims and payments
A system and method provides electronic management and processing of bankruptcy-related claims and payments. The method includes receiving loan servicer data from a loan servicer portfolio. The...
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7853525 |
Electronic draft capture
A gateway server, point of sale device and protocol are provided for processing financial transactions. A public network interface is configured to couple to a public network and communicate...
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7853345 |
Offset determination method for measurement system matching
Dynamic offset determination for each of a plurality of measurement systems for matching the systems is disclosed. One embodiment uses an artifact which is periodically run across the measurement...
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7853524 |
Systems and methods for risk based determination of a form for crediting a payee on behalf of a payer
Systems and methods for selecting a form for crediting a payee by a payment service provider include receiving a request to pay a payee on behalf of a payer. A form for crediting the payee is...
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7848985 |
Multi-asset participation structured note and swap combination
The present invention provides a unitary note investment instrument and method of use that has two performance components. An investor invests in the issuer the principal amount of the investment....
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7848995 |
Financial decision systems
The financial decision system provides for real-time calculation of buying pressure and selling pressure for any tradable instrument market. Additionally, it provides real-time visual simultaneous...
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7849014 |
System and method for facilitating a financial transaction with a dynamically generated identifier
Instead of a PIN which is associated with an account and provides access to an account, a dynamically generated card identifier (dynamic CID) is used to verify that the consumer currently possesses...
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