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8666865 Payment entity account set up for multiple payment methods  
A method begins with a payment entity device receiving payables process data from a client device. The payables process data includes a list of a plurality of creditors and associated payment data,...
8666896 System, method, and business method for settling micropayment transactions to a pre-paid instrument  
The invention provides a method, business method, and system for conducting micropayment transactions between consumers and merchants. A merchant offers micropayment transactions to a consumer. The...
8666897 System and method for providing a financial transaction instrument with user-definable authorization criteria  
Authorization limits on the use of a financial transaction instrument, such as a credit card and the like, may be set by an owner of a financial account corresponding to the financial transaction...
8666895 Single action mobile transaction device  
Embodiments of the invention allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a minimum number of inputs, such as...
8666854 Providing a unified view of contract revenue and invoice details  
Systems and methods are provided that provide a unified view of invoice and revenue information for a contract. One embodiment includes receiving a request to display information about a contract,...
8660948 System and method for managing transactions with a portable computing device  
A method and system include verifying credentials for gaining access to a transactional controller with the portable computing device. The transactional controller may receive a merchant identifier...
8660924 Configurable interactive assistant  
The present invention employs branded virtual characters across multiple network platforms throughout various stages of complex transactions (eg, selling insurance). These characters initially...
8660947 Invoiceless trading and settlement method and system  
Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to...
8660523 Method of providing rate tiers in wireless communication systems  
The present invention provides a method of providing rate tiers in a wireless communication system. Embodiments of the method include forming, at a network element in the wireless communication...
8660956 Method and system for processing financial instrument deposits physically remote from a financial institution  
A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to...
8660950 System and method for bill pay with credit card funding  
An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the...
8660949 Method and system for working capital management  
In accordance with aspects of the disclosure, a system and methods are provided for managing working capital by scheduling payments to be paid for accounts payable based on payments received for...
8660931 Method and system for automatically generating invoices for contracts  
Techniques to automatically generate invoices for contracts, each of which may include any number of line items. Each contract line item may be associated with (1) a particular invoice plan that...
8655781 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,...
8655689 System, method and program product for modeling fund movements  
A method, system and program product, the method comprising accessing, databases, comprising: aggregated account information for FDIC accounts; client account information for each of the respective...
8655773 Geo-location based underwriting  
A method for processing financial requests, including: identifying an approval criterion and a predefined proximity for approving financial requests; receiving, from a mobile device of a merchant,...
8655778 Systems and methods for processing payments with payment review features  
Methods and systems of processing a plurality of payments. One method can include receiving the plurality of payments from a plurality of customers, the plurality of payments payable to at least...
8655763 Microfinance funds aggregation for a retail investor  
A computer-implemented system and method supporting microfinance funds aggregation for a retail investor are disclosed. A particular example embodiment includes receiving a purchase request at a...
8655776 Benefits contract providing a bundle of benefits  
According to one embodiment of the invention, a benefits contract includes an agreement to provide a plurality of benefits for at least one person. The agreement provides for an account including a...
8655775 Method and system for merchant debit routing table change detection  
A method for identifying a merchant debit routing table includes: storing a plurality of transaction data entries, each entry including a first and second debit network, a utilized network, a...
8655759 Controlling a shared service  
A method includes determining whether a first amount of liability contributed by a first subscriber during a provision of a service to the first subscriber exceeds a first balance indicative of a...
8655780 Person-to-person payments: contextual spending  
Receiving at a payment system a request associated with a first party to make a payment to a second party. Recommendations for utilizing the payment are evaluated based on a profile of the second...
8655779 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...
8655777 Merchant performance rating for payments on account  
A business derives its cost to pay accounts payable (AJP) with a corporate card versus other payment methods. The business identifies each merchant to whom the business owes AJP who but does not...
8650120 Systems and methods for enhanced authorization fraud mitigation  
A consumer uses a web client to transmit purchase information associated with a transaction to a merchant server. The purchase information is transmitted via a web acceleration server. The web...
8650119 Order-resource fulfillment and management system and approach  
Historical data is used to manage and authorize payment for merchant offerings for transactions among a plurality of transaction parties. According to an example embodiment of the present...
8650105 System and method for providing a savings opportunity in association with a financial account  
The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider's services,...
8645202 System for providing offers using a billing statement  
A billing statement according to one aspect of the invention includes a description of a transaction and an offer pointer associated with the transaction, wherein the offer pointer includes...
8645168 Interactive electronic bill payment system  
A system for coordinating the submission and processing of a bill according to predictive payment data of a plan. The system comprises a provider interface and an integrated database for receiving...
8644468 Carrying out predictive analysis relating to nodes of a communication network  
Predictive analysis relating to nodes of a communication network is carried out by providing communication event information for a first set of nodes and a second set of nodes of the communication...
8645162 Method and system for estimating the financial liability of a patient for a medical service  
A computer implemented method involving a medical service for a patient includes estimating an expected payment associated with the medical service for the patient based on a set of data including...
8645197 Method of facilitating contact between a consumer and a requesting entity  
The invention provides a method of facilitating contact between a consumer and a requesting entity, with the method comprising the following steps. During an interaction with the consumer, the...
8645267 Using currency to purchase from sellers that do not recognize the currency  
Processing transactions involving participants that do not support the same currency generally involves incrementing and decrementing currencies associated with the participants. This allows the...
8645459 System and method for a service provisioning platform for activating services in a communication network  
A system for provisioning services may include a device that may receive a service order that identifies a service to be provisioned. The device may obtain, using the service order, a specification...
8645271 Secure telematics payment method  
A method for controlling secure telemetric payments using an open network. A plurality of servers are utilized: (1) first servers linking merchants with financial institutions, (2) second servers...
8644506 Location-based security rules  
Location based security rules are provided for preventing unauthorized access to a device, application, system, content, and/or network, etc. The location-based security rules enable a user,...
8646073 Detection of account hijacking in a social network  
To protect a user of a social network, the user's activity is monitored during a baseline monitoring period to determine a baseline activity record. If subsequently monitored activity of the user...
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...