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8682757 Method and apparatus for processing financial transactions subject to different financing terms  
A financial payment vehicle, such as a charge or credit card, provides lower financing terms on purchases that meet specified criteria (i.e. a minimum threshold transaction amount, a purchase from...
8682760 Methods and devices for savings participation  
A computer-based automated savings method includes storing in a memory circuit, for each customer, customer profile data that identifies an account for accumulating automated savings, that...
8682788 Electronic lockbox implementation and management  
Methods, computer readable media, and apparatuses for electronically sorting and managing mail within an electronic lockbox are described. Mail may be routed from a mail delivery service to a first...
8682789 Method and system for effecting payment to a municipality and receiving a certificate of payment  
A real estate closing payment system and method for transferring funds of a closing party to a municipality, where the funds are associated with fees due with respect to a particular real estate...
8682793 Mobile alert transaction system and method  
A method and system for providing geographic location notifications of payment transactions is disclosed. One embodiment of the invention is directed to a method including receiving an...
8676674 Peer-to-peer and group financial management systems and methods  
This relates to transferring funds from a payer to a payee in a electronic payment system. The electronic payment system includes a payment processor and an accounts database. The payment processor...
8676916 Method and apparatus for connection to virtual private networks for secure transactions  
A system and method are provided for use in establishing secure end-to-end communication links over a VPN gateway via a network interface unit. Illustrative embodiments include establishing and...
8672220 Money transfer system and method  
A money transfer system using a money transfer instrument purchased at a retail location. The system includes a POS terminal for entering a UPC code carried on the instrument. The POS terminal...
8676504 Methods and apparatus for collecting and using information regarding location object-based actions  
An embodiment of a communication system includes a client device adapted to receive a location object that includes tracer information, and to perform one or more location object-based actions...
8676702 Method and apparatus for generating a bill in a packet network  
A method and apparatus for generating at least one bill in a packet network is described. In one embodiment, a request to change a billing cycle is received by an application server from a customer...
8676703 Insurance policy revisioning method and apparatus  
An insurance policy is stored (101) as a plurality of discrete temporally-sequential policy data revisions. A legally binding revision for a first given date is then determined (102) by identifying...
8676708 Methods and apparatus for facilitating a financial transaction  
A method is provided for authorizing a financial transaction of a consumer, comprising: issuing a card to a cardholder by a card-issuing financial institution; creating a card account associated...
8671053 Direct currency conversion  
This invention concerns direct currency conversion, that is automatic currency conversion at point of payment for card transactions. In particular it concerns a method for operating equipment...
8671032 Providing payment software application as enterprise services  
Methods and apparatus, including systems and computer program products, for a service architecture design that provides enterprise services having payment functionality at the level of an...
8671043 Server for supporting an exchange transaction  
The present invention is a server for supporting an exchange transaction, in which users can complete exchange transactions between and/or among themselves.
8671041 Managing consistent interfaces for credit portfolio business objects across heterogeneous systems  
A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by...
8666855 System and method for a payment system directory  
Dynamically enabling and facilitating businesses or other entities to locate and transact with payment systems for the purpose of processing payments. A customer interacts with a supplier of an...
8666889 Methods and apparatus for funding transactions using debit cards issued by one institution and funds from accounts at other institutions  
Methods, apparatus, and systems for funding transactions disclosed herein may operate to configure a plurality of backup funding sources for a primary funding source, and enable a consumer...
8666892 Electronic payment processing system  
In general, in one aspect, an electronic payment transaction can be processed at a merchant location without the need for configuring the equipment used to include parameters related to a merchant...
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...