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8554652 System and method for providing borrowing schemes  
A system and method providing a borrowing scheme. The method comprises the steps of: receiving a time-based spending alert threshold designation from a user via the network; receiving at least one...
8554676 Purchasing alert methods and apparatus  
Systems and techniques for receiving transaction information at an authentication system. The transaction information may be processed using different rule sets, based on the financial instrument...
8554677 Automated transaction machine  
An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the...
8554667 Total structural risk model  
The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically,...
8554666 Total structural risk model  
The present invention generally relates to financial data processing, and in particular it relates to credit scoring, consumer profiling, consumer behavior analysis and modeling. More specifically,...
8548906 Method and apparatus for automatic savings upon event detection  
Method and apparatus for automatic savings upon event detection. An electronic transfer of funds from one financial account to another financial account is performed in response to selection of a...
RE44513 Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service  
A wireless telecommunications carrier operates a commerce platform in a trusted domain, which may store sensitive information associated with a consumer. During a credit card based transaction, a...
8548877 Expense tracking, electronic ordering, invoice presentment, and payment system and method  
Systems and methods are described for electronic invoice presentment and payment processing. Requestors may place an order to purchase goods or services from one or more vendors. Invoice processing...
8548922 System and method for a private and secure payment system between two parties using a central system  
A private and secure payment system has a portable wireless device belonging to party A with a payment function and a central system that is used to effect a private and secure payment transaction...
8548907 System for converting paper money orders to electronic money orders  
A system and method for converting any and all types of paper money orders into electronic money orders, for retrieval subject to authorization. It allows a customer to make online purchases of...
8548881 Credit optimization to minimize latency  
Embodiments of systems and methods are described for reducing latency during invoice generation involving credit distribution. In some implementations, references to invoice line items are sorted...
8548913 Method and apparatus to secure an electronic commerce transaction  
A method begins by a processing module receiving data content. The method continues with the processing module embedding the data content into a data stream to produce a stream of data. The method...
8543503 Systems and methods for automated invoice entry  
The present invention is directed to methods and systems for the transfer of bulk paper invoices into electronic invoices for electronic submission from a seller to a buyer. The systems and methods...
8543495 Online electronic transaction and funds transfer method and system  
Existing e-commerce is carried out largely using credit card charges, which are expensive in terms of transaction charges and not particularly secure. The present invention provides an online funds...
8543499 Reducing risks related to check verification  
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide scores that describe a consumers spending capability, tradeline history including balance transfers, and...
8543498 Method and system for designating and tracking feature sets for individual accounts  
A improved method of managing feature sets associated with credit card account numbers includes (1) storing in a first database a plurality of credit card account numbers, wherein each credit card...
8543505 Method of providing lumens and tracking of lumen consumption  
Techniques are disclosed for compensating an LED light fixture/light source provider for generation of photons by one or more LED light fixtures used by a customer. In one example, a method...
8543500 Transaction processing method, apparatus and system  
The present invention relates to transaction processing, for processing of payments between payer's (usually individual payers) and payee's (usually merchants. Conventionally, a payment transaction...
8543509 Payment system for transactions benefitting charities  
Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for presenting offers and processing payment transactions. A method includes receiving current...
8543502 System and method for pricing of merchant accounts  
A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to...
8543427 Weather risk management system  
This disclosure relates to a system for managing financial risk associated with weather-based service contracts, and more specifically, to a system based on the purchase of weather derivatives to...
8543430 Systems and methods for providing customized marketing information  
Computer implemented systems and methods for providing customized pricing information based on limited personal data comprising receiving non-identifying demographic information about a prospective...
8543497 Secure authentication 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,...
8543507 Automated transaction machine  
An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the...
8542661 Mobile router network server method with billing reconciliation  
A method of operating a network server, for a network comprising a plurality of wireless mobile routers is provided. Each mobile router comprises a wide area network wireless interface to access a...
8540151 Method and system for optimizing the usefulness of a credit and debit card portfolio  
A method, for maximizing the financial benefits that accrue to one from optimally taking advantage of the incentives offered by the various providers of credit cards, includes the steps of: (1)...
8543504 Systems and methods for automated invoice entry  
The present invention is directed to methods and systems for the transfer of paper invoices into electronic invoices for electronic submission from a seller to a buyer. The systems and methods...
8543501 Systems and methods for capturing and processing payment coupon information  
Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment...
8538878 Methods and systems for automated generation of bills  
The present invention provides methods and systems for processing bills electronically. Generally, a bill is created for a customer using billing information and master data from a biller and...
8538839 System, method, and program product for unit transfer fee processing  
A method, system and program product, the method comprising: accessing Transfer Fee data to be paid to a third party that is not the borrower or the lender of a security for a right to loan one or...
8538845 Monetary transaction system  
Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction...
8538877 System and method of a passphrase account identifier for use in a network environment  
A system and method for facilitating a financial transaction over a network including use of a passphrase account identifier is described herein. In one embodiment, a system for facilitating a...
8537800 Network server billing reconciliation method for a wireless mobile router network  
A method of operating a network server for a network comprising a plurality of wireless mobile routers comprises: selectively coupling the server to a plurality of mobile routers via a cellular...
8538872 Credit card account shadowing  
Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g.,...
8538586 HVAC control with utility time of day pricing support  
The present disclosure provides a method for operating a utility-powered HVAC system for conditioning inside air of a building. In an illustrative but non-limiting example, a nominal schedule is...
8538874 Pay yourself first with auto bill pay system and method  
The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general,...
8538876 System and method for providing borrowing schemes  
A system and method providing a borrowing scheme. The method comprises the steps of: establishing an interest-free revolving amount or account using the computer processor; establishing a periodic...
8538875 Process for linked healthcare and financial transaction initiation  
Methods and systems for acquiring a pre-approval from a responsible party and receiving funds from a financial account related to the pre-approval in the healthcare field are described herein. A...
8538842 System and method for financial analysis and brand index in brand valuation  
A brand name is used to generate a domain name portfolio comprising at least one brand domain name comprising the brand name and a top-level domain name, and at least one qualified brand domain...
8538868 Method and system for preparing a transfer document  
A system and method of preparing a transfer document for a client to transfer services provided by counterparties that require recurring transactions using a first account to use a second account...
8538801 System and method for processing financial transactions  
The invention relates generally to retail transactions and, more particularly, to systems and methods for monitoring consumer behavior and for providing a secure electronic payment in exchange for...
8538880 Method and system for debt recovery  
According to one embodiment of the invention, a method of debt recovery is provided. The method includes providing a device to a consumer owing a debt to a creditor. The device has a utility that...
8533080 Methods and systems for providing liquidity options and permanent legacy benefits for annuities  
This invention relates to methods and systems that provide annuities with at least one liquidity option that allows the holder of the liquidity option to exercise the option and convert therewith a...
8533114 Method and system for flexible payment processing  
A system and method are provided that include determining eligibility of customers for flexible payment status and allowing the customers to implement the flexible payment status. The determination...
8533079 Integrated systems for electronic bill presentment and payment  
The present invention relates generally to electronic commerce, and more particularly to methods and systems for integrating electronic bill presentment and payment among billers, consumers, banks...
8533115 Payment services for multi-national corporations  
A central coordinating body (CCB) is part of a global commercial card processing system. The CCB provides standards, relationships, management protocols, problem resolution, processing, data...
8533116 Internet payment, authentication and loading system using virtual smart card  
A system loads, authenticates and uses a virtual smart card for payment of goods and/or services purchased on-line over the Internet. An online purchase and load (OPAL) server includes a virtual...
8527380 System and methods for servicing electronic transactions  
A method for using an electronic transaction device with an electronic transaction service provider may include the steps of registering the electronic transaction device with the electronic...
8527412 End-to end monitoring of a check image send process  
A method, system, computer program product, or a combination of the foregoing and apparatus for an end-to-end Business Activity Monitoring (BAM) solution for an image send process. Specifically,...
8527377 Point code to billing ID  
A method includes maintaining a repository of location identifiers and billing identifiers, wherein each of a plurality of network devices is associated with a location identifier in the...