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8645275 Systems and methods for verifying identities  
A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the...
8645213 Transactions associated with a mobile device  
Methods and apparatus, including computer program products, for transactions associated with a mobile device. A method includes, in a merchant device linked to a server by a first network, sending...
8644797 Content-based billing service for wireless prepaid subscribers  
A method of allowing content-based billing to a prepaid subscriber or subscribers is disclosed. According to one embodiment of the invention, the content-based billing is achieved by forwarding...
8640212 Securing passwords with CAPTCHA based hash when used over the web  
A password security system, hosted by a server, sends a web page over a network to a client, that includes a CAPTCHA challenge, a request for a CAPTCHA answer, a graphical user interface for...
8639539 System and method for processing payroll-related insurance data  
A computer system accesses payroll-related insurance premium data at an individual employee level and provides the data at the individual employee level, including cost of insurance at the...
8639535 System and method for providing financial products for a deductible portion of an insurance policy  
Methods and systems for providing supplemental insurance to insure the deductible amount of a primary insurance policy are described. In an example, data is received about a first insurance policy...
8639615 Population of application  
Methods and systems for populating an application are described. Data for an application is accessed, including transactional data associated with a user from a computerized database in a system....
8635156 Converting paper invoice to electronic form for processing of electronic payment thereof  
Systems, apparatuses and methods are described for remotely processing paper invoices online. In an aspect, a method comprises receiving by a computing device, an electronic image representative of...
8635155 Systems and methods for processing a payment coupon image  
Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a...
8632002 Real-time security verification for banking cards  
Embodiments of the invention provide a means for verifying that a person using a bank card at a point-of-sale merchant location is in fact a person authorized to use the bank card. In one...
8635112 Locating and organizing digital receipt data for use in in-store audits  
The present invention extends to methods, systems, and computer program products for auditing in-store sales transactions when a digital receipt is issued. A receipt application server formulates a...
8635157 Mobile system and method for payments and non-financial transactions  
A method and system for mobile commerce, communication, and transaction processing to real-world POS, web, e-commerce, virtual terminal, mobile personal digital assistant, mobile phone, mobile...
8635152 Multi tenancy for single tenancy applications  
A mechanism is provided for deploying software applications in a cloud computing environment. An administrator is provided an interface for allowing a software application that is designed for a...
8635100 System and method for generating multi-phase construction plans  
A method includes identifying a plurality of facilities in a complex. Each facility is associated with a construction project. The method also includes determining a potential revenue associated...
8635135 Persistent sales agent for complex online transactions  
The present invention includes systems and methods employing branded virtual characters across multiple network platforms throughout various stages of complex transactions (eg, selling insurance)....
8628151 Systems and methods for facilitating financial transactions involving bundles of properties  
A system is disclosed for identifying potential short sale transactions that can be bundled or combined to produce a beneficial result to the financial institutions involved. Embodiments are...
8630906 Single tap transactions using a point-of-sale terminal  
The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons...
8630948 Systems and methods for routing bill payments  
Electronic payments are typically initiated on a bank's web site, and then routed to a third-party processor for payment. There may be different processors having different pricing structures....
8630926 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 or the buyer or seller in a repurchase...
8630905 Single tap transactions using a secure element  
The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons...
8630949 Electronic bill presentation and payment method and system  
A comprehensive electronic bill presentment and payment system and method is described. Bills can be received by the system, in any electronic format. Bills can also be received by the system...
8630907 Secure transactions using a point of sale device  
Systems and methods are provided for secure transactions according to one or more embodiments. According to an embodiment, a method for providing secure transactions comprises initiating a...
8630947 Method and system for providing electronic bill payment and presentment  
An embodiment of the present invention relates to capturing payer information and biller information for generating menu delivered to a customer to activate the billers for electronic payment...
8630946 Systems and methods for providing individualized financial access  
Systems and methods for implementing one or a series of value transfers. In some instances, the systems and methods include web or Internet based user interfaces that provide a mechanism whereby a...
8630792 Vehicle fuel cost-per-time display  
Vehicle operating conditions are computed and the instant variable cost of operation is displayed, enabling operators to learn to operate the vehicle in ways that maximize value, minimize fuel...
8626655 Electronic system for selecting the best card from a collection of consumer credit, debit and discount cards  
A method, system and computer program product for enabling completion of purchase transactions by retrieving purchase card information from an electronic database of consumer cards and applying the...
8626667 Method and apparatus for a cryptographically-assisted commercial network system designed to facilitate and support expert-based commerce  
The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert...
8626632 System and method for margin loan securitization  
A system and method for securitizing margin loans, wherein a processor system operates to analyze account data for a plurality of accounts, and to identify and flag accounts that are marginable....
8626652 Method for electronic transaction settlement  
A method implemented in an electronic communication system associated with a settlement house for settling an electronic transaction between a customer and a merchant. The communication system...
8626653 Methods and systems for processing electronic cross-border payments  
Systems, methods, and computer-readable storage media are provided for processing electronic cross-border payments. The computer system is coupled to a payment network. The computer system is...
8626647 Electronic mortgage document certification  
Electronic documents corresponding to executed paper documents are certified. A certifying agent receives an electronic document and a corresponding paper document that had been executed pursuant...
8626654 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange  
This disclosure describes a payment and disbursement system, wherein an initiator authorizes a payment and disbursement to a collector and the collector processes the payment and disbursement...
8626659 Facilitating presentation of content relating to a financial transaction  
Systems, methods and computer-readable media for facilitating the presentation of content associated with a financial transaction are disclosed. The content may be identified by a requestor or a...
8626730 Data processing methods, systems and computer programs for providing a payment using a web service  
Data processing systems and methods are disclosed for providing a payment using a Web service. In one implementation, a first computer is used for entry of data values into respective data entry...
8625130 Method and system for automatically creating print governance rules and policies  
A method and system for accommodating a plurality of printing systems arranged as an enterprise printing system including a memory for storing printer usage information related to a plurality of...
8626591 Methods, systems, and computer program products for storing usual order preference data for recurrent orders  
Methods, systems, and computer program products for storing usual order preferences associated with a point of sale transaction involving an identification article. In one embodiment, the method...
8620801 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,...
8620261 Information processing system capable of calculating communication fees corresponding to communication utilization forms  
An information processing system of the present invention comprises a storage apparatus storing calculation equations for calculating a communication fee corresponding to an identifier of said...
8620813 System and method for providing a distributed decisioning environment for processing of financial transactions  
A system and method for providing one or more client systems for communicating with a host system over a network. The client systems use a scanner to convert a paper form of a check, coupon, or...
8620833 Method and apparatus for billing data services  
A method and apparatus for billing data services. A system that incorporates teachings of the present disclosure may include, for example, a system having a controller that manages a communications...
8620807 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...
8620754 Remote transaction processing using authentication information  
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...
8620776 Self healing andon system and method  
Disclosed are various embodiments of a self healing andon system. One embodiment of the present disclosure includes a system comprising at least one server. The system further includes logic...
8620260 Payment application download to mobile phone and phone personalization  
A method and system of personalizing a mobile phone over a wireless network is provided. The method is fast, reliable, and eliminates the need for an uninterrupted online connection to a host...
8615438 Time-dependent response to user-determined unauthorized transaction  
A system and method is described for alerting authorities or taking other corrective authoritative action to a possibly fraudulent credit card transaction. A cardholder is notified that a...
8615457 Payment entity device reconciliation for multiple payment methods  
A method begins by storing payment request data, which, for a client, includes a payables profile and an accounts payable data file. The method continues by receiving payment remittance information...
8615466 Method and system for downloading information into a secure element of an electronic device  
A method for downloading information from a remote server. The method includes receiving, at a portable device, banking card information for an account and storing the banking card information into...
8615467 Electronic system for selecting the best card from a collection of consumer credit, debit, and discount cards  
A method, system and computer program product for enabling completion of purchase transactions by retrieving purchase card information from an electronic database of consumer cards and applying the...
8612347 Late fee avoidance system  
A method and apparatus are disclosed (a) which maintain credit card account and billing data including (i) data correlating credit card numbers, cardholders, and payment information such as mailing...
8612343 Network based payment service capable of generating coding for adding payment objects to pages of external sites  
A network-based payment service and site provides various features for facilitating payments. One such feature enables users of the payment service to create pay boxes, or other types of payment...