|
Match
|
Document |
Document Title |
|
|
7313544 |
System and method for restricting over-limit accounts
A system and method is provided for preventing check kiting with credit card products. The disclosed system first determines whether the cardholder is exhibiting check kiting behavior. This is...
|
|
|
7309008 |
System and method for calculating expected approval rates
The invention facilitates the computation of expected approval rates based on historic transaction data relating to transaction classes, approved transactions and declined transactions. The...
|
|
|
7308426 |
System and methods for servicing electronic transactions
A service transaction provider for administering a accounts for a client includes a computer having a processor, a data storage medium, and a network port. The storage medium is configured to store...
|
|
|
7308487 |
System and method for providing fault-tolerant remote controlled computing devices
A system and method for providing a fault-tolerant remote controlled computing device. A multi-tasking operating system and at least one primary process are executed on the computing device. A...
|
|
|
7303122 |
Methods and systems for providing a financial account charging a flat amount
Systems and methods are disclosed for providing a financial account. The disclosed systems and methods may include receiving financial transaction data, establishing a balance for the financial...
|
|
|
7305353 |
System and method for forecasting tax effects of financial transactions
A system and method for forecasting tax effects of financial transactions is provided. The system and method include a series of web pages. The web pages allow a user to 1) determine their federal...
|
|
|
7302411 |
Electronic Billing with required viewing of supplemental information
The present invention provides a method, system, and article of manufacture for presenting information via a network. Multiple information identifiers, each associated with information to be...
|
|
|
7295991 |
Employment sourcing system
An automated method for quickly determining whether a job seeking candidate is qualified for an available position by accepting the candidate's resume for storage, presenting the candidate with...
|
|
|
7292995 |
System and method for providing compensation to loan professionals
A system and method for providing a compensation program associated with a modifiable mortgage is disclosed which provides incentives to encourage a sales force to originate a modifiable mortgage....
|
|
|
7292996 |
Method and apparatus for performing a credit based transaction between a user of a wireless communications device and a provider of a product or service
A wireless telecommunications carrier operates a commerce platform in a trusted domain, which may store sensitive information associated with a consumer. During a credit card based transaction, a...
|
|
|
7283981 |
Browser-based system for ordering financial products
Browser-based systems and methods are provided for ordering personalized financial products. One aspect of the present subject matter relates to a method for fulfilling financial product orders. In...
|
|
|
7283976 |
System and method for invoice imaging through negative confirmation process
A system for processing invoices including a front-end requisition and catalog system; a back-end procurement system; a scanner for scanning images of invoices; an image system and store for...
|
|
|
7280971 |
Method and system for server-based error processing in support of legacy-based usage and billing systems
An error processing system comprising a client/server based PC application supported by SQL Server databases for use with legacy usage metering and billing services. The error processing system...
|
|
|
7277869 |
Delinquency-moving matrices for visualizing loan collections
The present invention, in one aspect, relates to tools for forecasting cash flow and income from a loan portfolio that are particularly useful in volatile markets. In one specific embodiment,...
|
|
|
7266525 |
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...
|
|
|
7266526 |
Automated banking machine system with multiple browsers
An automated banking machine ( 12 ) is operative to conduct transactions in response to HTML documents and TCP/IP messages exchanged with a local computer system ( 14 ) through an intranet ( 16 ),...
|
|
|
7263347 |
Biometric authentication of a wireless device user
A network storage location stores voice prints from a user of a wireless telephone. The voice prints are context-specific to likely responses to voice prompts from an interactive voice response...
|
|
|
7257246 |
Check cashing systems and methods
A system for facilitating a check-cashing transaction in accordance with the present invention comprises a check-cashing apparatus and a host system in communication with the check-cashing...
|
|
|
7254558 |
Method and system for prioritizing debt collections
A collections prioritization method and system for use in a financial services business is disclosed. The system is configured to generate a collection priority value from information stored on the...
|
|
|
7254557 |
Financial services payment vehicle and method
A financial services payment vehicle is disclosed having a database stored on a computer readable media, the database including records associated with a plurality of active financial services card...
|
|
|
7251656 |
Electronic payments using multiple unique payee identifiers
To make a payment to a payee on behalf of a payor, the payment service provider receives, via a network, a first payment request to make a first payment to a payee on behalf of a first payor and a...
|
|
|
7249073 |
Methods and apparatus for a personal financial service provider
Systems are provided for administering employee funds and transactions utilizing a personal financial service provider system which allows comprehensive administration of employee accounts. A...
|
|
|
7249098 |
Subscription-based payment
According to the invention, a method for automatically processing a recurring transfer request from a stored value fund with an online system is disclosed. A handler associated with a payor is...
|
|
|
7249093 |
Method of and system for making purchases over a computer network
A method of and system for making purchases over a computer network using an ATM card or the like is provided. In accordance with the invention, a consumer transmits his ATM card number over the...
|
|
|
7249076 |
Method for providing credit offering and credit management information services
The present invention is related to a method for issuing a credit card to a customer in combination with providing credit management information services for the customer. The exact terms of the...
|
|
|
7249055 |
Method and system for managing and conducting a network auction
There is described a method and system for managing Internet auction transactions by creating an auction website by, for example, a financial institution. The auction website is accessible by the...
|
|
|
7249094 |
System and method for depicting on-line transactions
A system and methods are provided for depicting on-line transactions. Transactions may be represented as a connected graph with various visual and/or aural attributes indicating different statuses...
|
|
|
7246092 |
Montage for an electronic market
A dynamic quote window for a securities system includes a quote montage that displays quotes from market participants to buy or sell a security and a plurality of controls disposed proximate to the...
|
|
|
RE39736 |
Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
The following procedures describe the use of cellular telephones and other analog or digital wireless communication devices to conduct transactions and activities. These procedures effectively...
|
|
|
7246089 |
Liability management method
Disclosed are methods of managing potential liabilities. The method can allow participants to pool their funds in order to pay off pending and future liabilities and can allow participants to...
|
|
|
7240031 |
Bill payment system and method with a master merchant database
A method and system for paying bills. A service provider receives, via a network, a request to pay a bill on behalf of a consumer. The consumer can request that any merchant be paid. The service...
|
|
|
7240032 |
Customer privacy protection systems and methods
A method for protecting consumer personal data by giving the consumer a choice of privacy preferences linked to their financial payment instruments such as credit cards, checks and the like. The...
|
|
|
7236950 |
Method and system of combined billing of multiple accounts on a single statement
A computerized method and system for combined billing for at least one customer on a plurality of customer accounts includes computer applications which automatically assemble and aggregate account...
|
|
|
7233918 |
Rating billing events in real time according to account usage information
A method and system are provided for applying a volume discount scheme and rating transactions accordingly on a continuous basis, in a continuous processing system. At the time of a transaction or...
|
|
|
7233925 |
Method and system for automatically harmonizing access to a software application program via different access devices
A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide...
|
|
|
7231353 |
System and method for recording and reporting consumer monetary commentary
A technique allows users to provide commentary by making monetary payments to a service provider who then publicly displays the company, product, or service's monetary commentary in an organized...
|
|
|
7231367 |
Electronic imaging capture and billing distribution system
A method of managing digital images of a customer is disclosed. The method includes a telecommunication service provider providing a telecommunication service to a customer, the telecommunication...
|
|
|
7224784 |
Subscriber service management
A method, system and apparatus for service management. A service management system can include a name resolution adapter disposed in a PSTN. The name resolution adapter can be communicatively...
|
|
|
7224974 |
Network support for per user packet data throughput
One embodiment of the present method is for a method that provides packet data throughput information on a per user basis for at least one mobile terminal of a plurality of mobile terminals...
|
|
|
7225155 |
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...
|
|
|
7222098 |
Method and system for online payments using sensor with identifier
Methods and systems are disclosed which relate to online payments via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an...
|
|
|
7222099 |
Method and system for selecting and purchasing media advertising
The subject invention is directed to a method and system for selecting and purchasing media advertising in a user/server environment accessed through a Web site. The method includes accessing a...
|
|
|
7222165 |
Service provision support system
A communications service provision support system supports multiple different types of services during a service session. The system when in use comprises a session manager which performs functions...
|
|
|
7219082 |
Financial management system
A financial transaction network includes a customer network serviced by a host processor. The financial transaction network provides customers with a plurality of diverse and interchangeable...
|
|
|
7216104 |
Disallow payment for E-billing system
A payment disallow mechanism for an e-billing system including a computer system accessible for on-line interactive communication of invoices to users. The computer system including a database for...
|
|
|
7213078 |
E-mail service apparatus, system, and method
A net database holds, for each user, user information which contains information indicating a forwarding destination (FAX, Web, portable terminal, or the like) of a received e-mail message, and...
|
|
|
7212978 |
Customer valuation in a resource price manager
A system that manages and optimizes total customer value on a property-specific basis and by further considering customer activities across multiple properties in a chain of properties.
|
|
|
7213003 |
Bill payment system and method utilizing bank routing numbers
A system and method for paying bills which uses bank routing numbers. A service provider receives a bank routing number from a consumer, the routing number belonging to the bank at which the...
|
|
|
7209897 |
Systems and methods for charge-back invoice generation
A method and system for collecting, translating, aggregating and presenting charges to a user is described. In a further configuration, a system and method for selecting charges and generating and...
|
|
|
7206847 |
Smart card with back up
Smart card security is enhanced by making the smart card a two-piece device. Both parts of the smart card contain copies of user data and a processor, which executes program instructions stored in...
|