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8290965 Apparatus and method for the automatic discovery of control events from the publication of documents  
A method and system for discovering a control event from electronically published documents and received data streams is provided, in which a computer control program identifies electronically...
8290865 Push payment system and method including billing file exchange  
Systems and methods for processing bill payments. A consumer may send a bill payment request online to a payment processing network, such as through an online bill payment interface. The payment...
8285612 Systems and methods for data processing  
Systems and methods are provided for data processing. In one implementation, a data processing system includes storage means for storing sets of account identifiers, each of the sets of account...
8281991 Transaction secured in an untrusted environment  
To secure communications in an untrusted environment for a commercial transaction on an account between the account's holder and a merchant, an identifier and a signature can be derived from a...
8285650 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...
8285629 Trading system products and processes  
A trading platform and trading method that allows access to additional pools of liquidity is described. Other embodiments are also described.
8285262 System for providing application and management service and modifying user interface and method thereof  
Disclosed is a system for downloading an application from a server and providing the same to a client by using a short message or a subscriber interface module (SIM) card. The system modifies a...
8286201 Digital broadcasting receiver and a data processing method  
A digital broadcasting system and a data processing method are disclosed. A data processing method of a digital broadcasting receiver comprises receiving a mobile/handheld (MH) broadcasting signal...
8285252 Charging method, system and apparatus  
A charging method is disclosed according to one embodiment of the present disclosure. The method includes receiving a message transmission request carrying message content to be transmitted;...
8285641 System and method for selectable funding of electronic transactions  
A system for transferring funds to pay bills and to and from selected accounts on an optimized is provided. A mediation engine may manage the payments made to selected payees, including by...
8285642 Technology agnostic universally applicable data model for a telecommunication service provider architecture  
An implementation foundation for a telecommunication service provider provides an efficient, robust, and reliable cornerstone for any new telecommunication service provider architecture. The...
8285640 System and methods for facilitating fund transfers over a network  
In accordance with embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a financial institution over the...
8285639 Location based authentication system  
An improved location based authentication (LBA) system for detecting fraudulent transactions committed by means of misuse of payment cards is disclosed. The improved LBA system performs a series of...
8280813 System and method for providing debt protection for financial overdraft account  
A system and method that provides an enhancement to an overdraft protection program at a financial institution. The debt protection of the program is funded by the financial institution rather than...
8280793 Prepaid calling card accounts linked to credit card accounts, with methods for creating and managing the same  
Methods, apparatus, and computer readable media for linking a prepaid calling card account to a credit card account. The linkage can occur at the time of a transaction involving the credit card...
8280761 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...
8280788 Peer-to-peer and group financial management systems and methods  
Systems and methods for providing peer-to-peer and group financial management are provided herein. An example system includes a payment processor that executes software instructions for creating...
8280812 Ensuring the accurateness and currentness of information provided by the submitter of an electronic invoice throughout the life of a matter  
A facility for insuring information currentness is described. The facility receives from a party a request to submit an invoice. In response to receiving a request, the facility tests the...
8275712 Prepaid transaction card activation system and method  
Reloadable or non-reloadable prepaid transaction card activation systems are disclosed. More specifically, the system provides a platform for activation of prepaid or stored value transaction cards...
8275707 Methods and systems for normalized identification and prediction of insurance policy profitability  
A process for identifying a normalized insurance quality index of present and prospective insurance policies for an insurance book that can be utilized to more accurately predict present and future...
8275353 System and method of managing contactless payment transactions using a mobile communication device as a stored value device  
A method handling payment transactions in a system using mobile communication devices as stored value devices is disclosed. A transaction operations server receives multiple records of the...
8275708 Systems and methods for automatic payment plan  
Funding source data, such as bank account information or credit card information, associated with a user is stored in an enterprise-wide database maintained by an institution, such as a financial...
8275664 Transaction system and method  
The present invention generally relates to cashless transactions. In particular, the present invention relates to methods (100) for conducting cashless transactions and systems (400, 500) for...
8275709 Digital rights management of content when content is a future live event  
A system for managing use of digital content within a trusted community. An access list defines the trusted community. License requests for use of content made from outside the trusted community...
8275715 Apparatuses, methods and systems for a deposit process manager decisioning engine  
The disclosure details the implementation of apparatuses, methods, and systems for a deposit process manager (“DPManager”) including aspects of a decisioning engine, aspects of a deposit delay com...
8275710 Systems and methods for automatic bill pay enrollment  
A system for bill pay enrollment may comprise at least one subsystem that scans a paper a bill into a digital image, at least one subsystem that recognizes information on the digital image, and at...
8275711 Enforcement of network service level agreements  
A service level agreement may be imposed by a service provider, such as an Internet service provider, that may include, e.g., a volume limitation and a bandwidth limitation. One or more limitations...
8275705 System and method for providing dispute resolution for electronic payment transactions  
A computer-based system and method for resolving disputes between a customer and an electronic payment provider concerning an electronic transaction between the customer and a merchant, including...
8271889 Automatically updated user interfaces for a mobile device  
Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automatically updating user interfaces for a mobile device. In one aspect, a first set of...
8271386 Payment balance exception processing  
A system for managing and processing exceptions to shared global treasury limits across multiple different platforms can be utilized by an organization to eliminate inconsistent client experiences...
8271383 Service soft-disconnect reconnection  
A service soft disconnection may be provided. First, a first user interface screen may be provided: i) in response to determining that a payment has not been received for a service after a date for...
8272052 Method and system for filing and monitoring electronic claim submissions in multi-claimant lawsuits  
The invention relates to systems and methods for filing and monitoring electronic claim submissions in proceedings involving a large number of claimants, such as securities class action lawsuits,...
8271789 System and method for managing usage authorizations based on the use of smart cards  
Disclosed is a system managing usage authorizations, comprising a central computer system, field devices and smart cards, wherein the system maintains databases containing all information relating...
8271385 Method, device, and system for completing on-line financial transactions  
A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase...
8271380 Decentralized guaranteed stored value transfer system and method  
System and methods for facilitating the settlement of financial accounts across different entities utilize a host computer system that tracks financial transactions made at each merchant location...
8271384 System and method for selection of payment systems from a payment system directory to process a transaction  
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...
8261982 Solicitation-response lifecycle tracking and management  
Tracking and management data for a solicitation and response lifecycle is disclosed. The system generates and links tracking data for both the solicitation and the response, generates indicators...
8265237 System and method for facilitating a custom ring in connection with a call  
A system and method are disclosed for facilitating a custom ring in connection with a call. A ring tone delivery system may include an interface operable to receive a calling signal that indicates...
8266028 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...
8266001 On-line payment transactions  
A computer-implemented method includes generating on a user terminal a merchant web site associated with a merchant with code for a merchant web page, transmitting a product selection request for...
8266057 Methods and systems for assigning interchange rates to financial transactions using an interchange network  
A method for assigning an interchange rate to a financial transaction is provided. The method uses at least one input device in communication with an interchange database. The financial transaction...
8266056 System and method for manufacturing a punch-out RFID transaction device  
The present invention relates to a process for producing an irregularly shaped Radio Frequency operable transaction device using conventional International Standards Organization dimensions for...
8265256 Method and apparatus for locating and reserving items via a web application  
A method and apparatus for providing a web based service that allows subscribers to specify the particular item they desire to purchase, to input a zip code, and to activate a web based tool to...
8260704 Methods and systems for managing consumer transactional accounts  
Computer-implemented methods and systems for managing consumer transactional accounts provides a temporary line of credit with an installment option that a consumer can use for specific occasions...
8260706 System and method for syndicated transactions  
A Web server hosted by a first enterprise has a first mechanism receiving a request for information or services to be provided to an end user, and a second mechanism determining whether the request...
8260705 Systems, methods and program products for deposit and withdrawal processing  
A method, system and program product, the method comprising: obtaining a plurality of net credit/debit amounts during a month period; generating data for depositing/transferring funds to or...
8255327 System and method for issuer originated payments for on-line banking bill payments  
Techniques for processing on-line banking bill payment requests are provided. A bill payment request is received from an operator of an on-line banking bill payment web site. The operator may be a...
8255298 Method and apparatus for managing alerts  
A method and apparatus for managing alerts is described, the method including receiving consumer financial data including at least one financial deadline. Alert level criteria is applied to the...
8255325 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments  
A method and apparatus for facilitating online payment transactions between participants in a network-based transaction facility are described. In one embodiment, user interface information is...
8255324 Systems and methods for facilitating financial transactions over a network with a gateway adapter  
In accordance with one or more embodiments of the present disclosure, a system for facilitating financial transactions over a network includes a first component adapted to communicate with a...