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8595040 Associate risk analysis  
Methods and apparatus according to the invention are directed towards providing means for identifying a selection of entity associates that may contain a perpetrator of claimed fraud against an...
8595132 System and methods for servicing electronic transactions  
A method for using an electronic transaction device with an electronic transaction service provider may include the steps of registering the electronic transaction device with the electronic...
8589568 Method and system for secure handling of electronic business transactions on the internet  
Disclosed is a computer-based technology for handling end-to-end business transactions in a TCP/IP-environment. A managing instance enables logon and provides a pool of IP addresses available for...
8589237 Online purchase from a mobile device using a default payment method  
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...
8589300 Payment transaction using mobile phone as relay  
Systems and methods of conducting a payment transaction using a mobile phone as a relay. The systems and methods receive transaction information associated with a transaction at a mobile...
8589220 Billing statement customer acquisition system  
Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder....
8589268 Financial institution-based transaction processing system and approach  
Transaction processing for financial institution-based transactions is facilitated. According to an example embodiment of the present invention, a transaction processing approach involves the...
8589288 System and method for electronic remittance of funds  
A system and method for enabling the remittance of funds is provided. More particularly, the fund remittance process of the present invention enables a sending entity having a source account at a...
8589262 Technique for computing relevancy between tax information  
The disclosed embodiments relate to a computer system that facilitates identifying additional tax information. During operation, the computer system receives tax information. Next, the computer...
8589216 Intelligent charging system and method for use in a parking lot  
The present invention provides an intelligent charging system and method for use in a parking lot. The system comprises a detecting unit, an on-board unit and a corresponding means of payment. The...
8589295 Transfer account systems, computer program products, and associated computer-implemented methods  
A financial institution computer maintains a list of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by select...
8589296 Pre-paid payment instrument processing  
Methods, systems, and apparatus, including computer program products, in which a method includes attributing a value to a pre-paid payment instrument, determining an expiration time associated with...
8584937 Method and system for assessing merchant risk during payment transaction  
Systems and methods for assessing transaction risk. A consumer tenders a transaction card to a merchant to purchase a good or service. A payment device of the merchant, such as a merchant's payment...
8583495 Method and system for crediting multiple merchant accounts on a single bill  
A system includes a device and software with a touchscreen, cash drawer, bar code scanner, and other point-of-sale peripherals. The device processes payments according to a method and can process a...
8583515 Transfer account systems, computer program products, and associated computer-implemented methods  
Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of...
8583550 Financial account related trigger feature for detecting changes in financial ratios  
Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial...
8583528 Point of service third party financial management vehicle for the healthcare industry  
A method for adjudicating health care expenses, which includes receiving from the point of service provider purchase transaction data, adjudicating the transaction substantially in real-time to...
8583494 Processing payments at a management server with user selected payment method  
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...
8583499 System for secured transactions over a wireless network  
A system for implementing a method that books and pays a retailer having a POS connected to a transaction server storing confidential user information including a retailer identification, a user...
8583525 Business method for creating collaterized debt instruments with two negotiable payment plans  
A business method for creating, from a mortgage note, two negotiable collaterized debt instruments, each having a separate payment plan. The original mortgagee, or its assigns, use the method to...
8583522 Automated transaction machine  
An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the...
8583551 Systems and methods for prepaid electric metering for vehicles  
A method for delivering energy to an electric vehicle is provided, wherein the electric vehicle is associated with a customer account. The method includes identifying the electric vehicle at an...
8583552 Processing payment transactions between enterprise resource planning systems  
In some embodiments, a method for processing a payment transaction comprises receiving, by a payor an invoice generated from a first enterprise resource planning (ERP) system operated by a payee....
8583519 Message broadcasting network usage billing system and method  
A system and method for determining billable transmission network usage for transmitting a broadcast message to a plurality of broadcast message receiving devices located within a broadcast target...
8583787 Zero-minute virus and spam detection  
Disclosed are systems and methods for detecting unwanted electronic message transmissions on a communications network. These include establishing a database for storing metadata associated with...
8583553 Conditionally obfuscating one or more secret entities with respect to one or more billing statements related to one or more communiqués addressed to the one or more secret entities  
A computationally implemented method includes, but is not limited to: associating one or more fees with one or more communiqués that were transmitted by a particular end user and addressed to one ...
8583501 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...
8577769 Multi-variable transaction system and method  
A system for optimization of variables is provided. The system includes a buyer finance system for receiving asset data and buyer finance data. A seller variable system receives the asset data and...
8577793 Multi-variable, multi-party auction and process to prop-up underwater mortgages, and stabilize/restore market values  
Online multi-variable/multi-party auctions coordinate homeowners, mortgage holders, and investors to refinance homes with underwater mortgages, being initiated by homeowner/mortgage holder...
8577799 Community gift system, information processing method, and information processing program  
An organizer freely designates a purpose, forms a community, very easily and efficiently collects money from participants, and gives a gift. To accomplish this, a community gift system that, when...
8577800 Data sending/receiving method and apparatus, data receiving apparatus and data sending apparatus  
A sending receiving method for data, such as musical data, in which plural data stored in a first storage unit are retrieved based on the request information sent from a host side device. The...
8577801 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...
8577764 Goal insurance  
Goal insurance is provided as a purchasable option to users who wish to have a goal tracking system monitor and enforce their goals. The user may define the goal, a reward to be given upon...
8571983 Gift card combination  
Embodiments of the invention are directed to systems, methods and computer program products for enabling gift card combination. An exemplary apparatus is configured to: receive information...
8571978 Method and system for providing assurance and financing 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...
8571925 Billing statement customer acquisition system  
Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder....
8571985 Reconciling a merchant of record in a mobile wallet feature  
Systems and methods for reconciling merchant of record in a mobile wallet feature are provided herein. In mobile transactions, the reported merchant of record is often a provider of the mobile...
8571977 Method and system for providing seller bank receivable discounting aggregation 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...
8570158 Programming a universal remote control via a point-of-sale system  
A method and system for programming a universal remote control (URC) to operate with a remote-controlled device is disclosed. In response to an indication of a purchase transaction for a...
8571952 Automated transaction machine  
An automated retail terminal in which a plurality of goods and/or services are provided in an integrated system. The integrated system generally avoids duplicating hardware or functions in the...
8566153 Billing statement customer acquisition system  
Some described embodiments provide for selecting (e.g., by a server computer from a plurality of transaction records), a transaction record associated with a financial account of an account holder....
8566229 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,...
8566231 Method and system for providing buyer bank payable discounting aggregation 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...
8566228 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,...
8566243 Secure E-mail billing  
The instant application describes a Mobile Service Provider network configured to provide its users with a secure Electronic Mail (“E-mail”) bill statement. The network includes first through thi...
8566237 Internet payment system and method  
A system and method for facilitating payment for online purchases is disclosed. The system allows consumers/customers who shop online to select, at the time of checkout, direct payment from an...
8566197 System and method for providing socially enabled rewards through a user financial instrument  
A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user's financial account and analyzing the transaction data...
8566227 Location based credit  
A method and system for offering credit to a prospective borrower are provided. A lender first determines a prospective borrower location, which may be a commercial outlet, such as a retail store...
8566235 System and method for providing dispute resolution for electronic payment transactions  
Described herein is partner-based method and device for resolving inquiries or disputes concerning a transaction between the customer and a merchant that is affiliated with a partner platform. For...
8566230 Method and apparatus for providing and processing installment plans at a terminal  
According to some embodiments, a central controller receives a selection signal indicative of acceptance of an installment plan option for a transaction. The central controller determines an...