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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...
8346678 Method and system for conducting commerce over a wireless communication network  
Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a...
8346662 Desktop alert with interactive bona fide dispute initiation through chat session facilitated by desktop application  
A consumer installs a desktop application on a computer which renders a user interface on the computer's desktop. Upon installation, the desktop application is registered to receive offers and...
8346677 Method and system for conducting commerce over a wireless communication network  
Described herein is an enabling product that facilitates implementation of an m-commerce business solution. According to an embodiment of the present invention an m-commerce solution includes: a...
8345835 Systems and methods for visual presentation and selection of IVR menu  
Embodiments of the invention provide a system for generating an Interactive Voice Response (IVR) database, the system comprising a processor and a memory coupled to the processor. The memory...
RE43905 Flow designer for establishing and maintaining assignment and strategy process maps  
A system, method and carrier medium for modeling a Financial Service Organization (FSO) business in a computer software program and for storing the model of the FSO business in a database. An...
8341027 System and methods of conducting business-to-business operations by registered sellers and buyers using an internet accessible platform  
An internet accessible computer system to conduct business to business operations among a plurality of buyer companies and a plurality of seller companies. In one embodiment, the system includes at...
8341044 System, method, and computer program product for rating and re-rating events  
A system, method, and computer program product are provided for re-rating events, in use, a plurality of events associated with at least one customer is rated. Additionally, at least one of the...
8341082 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,...
8340987 Program for alternative funding of employee and retiree benefits  
An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract obtained...
8341076 Automatic overdraft attached to prepaid debit card accounts  
A system for managing financial accounts includes one or more account holders. An account holder data structure is associated with one or more financial accounts. The financial accounts are defined...
8341081 Intelligent identification of on-line bank accounts utilized for business purposes  
Computer-implemented methods, articles of manufacture and systems for identifying an on-line bank account utilized for business purposes. A computer processor receives or determines a name of...
8335741 System and method for interactively simulating a credit-worthiness score  
A system and method is provided to allow a consumer to interactively explore his credit score by submitting hypothetical values based on his actual credit data. The system uses the consumer's real...