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8392329 Method and apparatus for facilitating purchase transactions across a network  
A local computer system that records information to facilitate a purchase transaction across a network. In one embodiment, the local system operates by receiving a request for billing information...
8392330 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account  
A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests...
8392306 Transfer instrument  
A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an...
8386384 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...
8386351 Optimized reservation for multi-session and/or multi-unit types  
To provide optimized real-time charging for simultaneous services there is provided a method and apparatus for executing a real-time charging session in a charging system being interfaced to at...
8386383 Money fund banking system with multiple banks and/or rates  
A method, system and program product for managing a plurality of individual client deposits for multiple clients, the method comprising: accessing, an electronic database, comprising: aggregated...
8380563 Using previous user search query to target advertisements  
A system and method to target advertisements to a user search query using a previously entered user search query as well as the current search query. The previously entered search query can...
8380625 Use of constraints to enforce complex payment policies  
A method of using constrained payments to enforce complex payment policies in electronic commerce (e-commerce) systems. An order capture component generates at least a first relationship object...
8380611 Graphical order entry user interface for trading system  
On a display terminal of an electronic trading system, a graph is displayed having a first axis and a second axis, wherein the graph includes a curve corresponding to a range of values of a...
8380623 Systems and methods for enabling financial savings  
A computer-assisted method for facilitating financial savings. The method includes accepting a funds transfer request by the user of an amount of funds between a funding account and at least one...
8380618 Systems and methods for issuing credit for unused interest free grace periods  
A system for issuing credit for unused interest free grace periods may comprise at least one subsystem that electronically calculates a number of unused interest free grace period days, and at...
8380613 From indirect finance to direct finance debt-clearing system and method  
A from-IDF-to-DF debt-clearing system and method is disclosed. Internet technology is used to construct a direct-finance fund trading platform, whereby a debtor can raise a fund to clear his...
8380593 System, method, and computer program for dynamically altering a rating based on network conditions  
A system, method, and computer program product are provided for dynamically altering a rating based on network conditions. In operation, at least one aspect of a condition of a network is...
8380624 Person-to-person payments: contextual spending  
A computerized method and a system for contextual spending in person-to-person payments are provided. In example embodiments, a payment system may receive a request from a first party for making a...
8380621 Systems, methods and program products for swap processing for uninsured accounts  
A method, system and program product, the method comprising: accessing in the performance of steps databases, comprising: aggregated deposit account information for a plurality of FDIC-insured and...
8380600 System, method and computer program product for a product catalog/pricing engine framework  
A system, method and computer program product are provided including a catalog database with a plurality of product definitions. The product definitions includes a plurality of rules and...
8380591 System and method for providing warning and protection for bill payments  
Methods and systems for providing protection to an individual or party from penalties associated with late or missed payments of bills, invoices and other charges are described. The methods and...
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...
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...
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...