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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...
8566238 Method for a payment transaction associated with two corresponding declarations of intent  
The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a...
8566209 System and method for risk management  
A margin requirement is computed while trading. The margin requirement may be calculated while trading because the preferred system takes into account working orders to generate the margin...
8560350 Method, system and computer program product for generating an electronic bill having optimized insurance claim items  
A method, system and computer program product for generating an electronic bill having optimized insurance claim items based on an insurance carrier of a patient are provided. The method includes...
8560437 Information processing apparatus, information processing method, and program product  
Aspects of the invention relate to creating virtual data of an effective obligor number N based on setting information, determining ratings after transition of the virtual data for a plurality of...
8560450 Interactive bill payment center  
A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link...
8560444 Systems and methods for presenting payoff information to credit card customers  
A method of presenting account payoff information to customers includes receiving electronic data relating to a plurality of customers and evaluating the data to determine a class to which each...
8560417 Payment entity for account payables processing using multiple payment methods  
A method begins by receiving an accounts payable data file from a client device. The method continues by determining whether a payables profile of a client associated with the client device is to...
8560445 Methods and systems for managing transaction card accounts  
A method and system for managing transaction card accounts involves providing a customer a transaction card account by a financial institution against which the customer can charge predetermined...
8560446 Product level payment network acquired transaction authorization  
A flexible spending account system can be implemented according to one embodiment of the invention so as to automatically substantiate purchases made at a retailer merchant. For example, according...
8559919 Systems and methods for generation, registration and mobile phone billing of a network-enabled application with one-time opt-in  
A method of providing a service to a customer comprises receiving a request by a customer for an item of content, providing to the customer an option to subscribe to a service for a limited time,...