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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...
8612319 System and method for real-time pricing with volume discounting  
A system and method are provided for facilitating real-time pricing with volume discounting. The method includes receiving a request for a real-time price quote for a transaction from a first...
8612327 System, method and computer program product for a product catalog/pricing engine framework  
A system, method and computer program product are provided including a catalog database with a plurality of product definitions. The product definitions includes a plurality of rules and attributes...
8612346 Method and system for closed loop collect on delivery (C.O.D.) payments  
A trusted closed loop payment system and method that reduces the liability imposed upon carriers for delivery of C.O.D. shipments is provided. A third party payment system is authorized by the...
8612325 Automatic authentication and funding method  
Embodiments of an automatic authentication and funding method include a location-based transaction method according to which an overseer partners with multiple providers of at least one of goods...
8612582 Managed services portals and method of operation of same  
A managed services platform and method of operation of same are described herein. The platform can include a device management service (DMS) server in which the DMS server can act as a gateway for...
8612342 Notification of the availability of electronic bills  
To notify a person of the availability of electronic billing information, billing information associated with bills of a biller for its customers is stored in a first data store, and identify...
8612348 Systems and methods for interfacing merchants with third-party service providers  
In an implementation, a transaction request message is received at a computing device, wherein the transaction request message is associated with a merchant. Profile information associated with the...
8606707 Integrated wireless and wireline billing and services management  
Methods and systems are provided for integrating billing and services management systems across disparate telecommunications systems including wireless systems and local and long distance wireline...
8606632 System, method, and computer program product for selecting and presenting financial products and services  
An apparatus and method are provided that receive client data for a plurality of clients and financial product data at a processor. The processor prepares a client communication for some of the...
8606686 System and method for gathering and performing complex analyses on power data from multiple remote sources  
The invention encompasses data analytics, and more specifically, encompasses the efficient gathering and management of data, and the execution of data analysis solutions on complex power and pricing.
8606708 Methods and systems for integrated and automated financial services  
Systems, methods and articles of manufacture for a computerize method of providing financial management to a user by integrating financial data from a plurality of sources such as online financial...
8606714 Flexible account management for customer transactions and overdrafts  
Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed toward a system that is configured to receive transaction data...
8606697 Method and system for providing buyer bank payable discounting services  
A system for conducting commercial transactions between buyers and sellers is disclosed. The system includes a transaction processing system for facilitating payment for transactions between buyers...
8606719 System for management of alternatively priced transactions on network  
A system and method thereof, comprising means for: communicating through at least one computer network interface with each of (i) a plurality of providers of accountable resources, and (ii) a...
8606706 Systems, methods and computer program products for standardization of payment requests to facilitate comprehensive payment hub processing  
Systems, methods, and computer program products are provided for conducting comprehensive payment processing of all payment requests regardless of the payment request channel. Payment requests are...
8606709 Systems, methods, and devices for combined credit card and stored value transaction accounts  
The present invention generally relates to a single transaction account identifier that can be used for in transactions with one of multiple transaction accounts. The method includes one or more of...