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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,...
8560447 Intelligent account selection for electronic bill payment  
Systems, method and articles of manufacture for identifying an account of an account holder, user or payor to be utilized for an electronic bill payment to a payee. An online bill payment system or...
8560451 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...
8560409 Flexible and adaptive accrual method and apparatus for calculating and facilitating compliance with taxes and other obligations  
A computer-based system and method calculates and facilitates periodic revenue accrual for making larger, less frequent payments of estimated taxes by electronic messaging. A service host enables a...
8554671 System and associated method and service for providing a platform that allows for the exchange of cash between members in a mobile environment  
A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities,...
8554603 Systems and methods for analysis of legal service providers and comparative unit costs or ratio costs  
Systems and methods for analyzing legal service providers and unit or ratio costs are provided. Billing data from legal services providers is analyzed to identify common tasks based on task codes....
8554651 Method and arrangement for transaction processing in connection with mobile telecommunication  
A method in a telecommunications system, in which there are at least three parties involved in the system's exploitation, namely at least one service provider capable of providing services for at...
8554679 Payment system for transactions benefitting charities  
Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for presenting offers and processing payment transactions. A method includes receiving current...
8554673 Methods and systems for discounts management  
An embodiment of the invention is directed to a computer implemented business method in an electronic system in which payment information is exchanged between a buyer and a seller. Approval is...
8554674 Transfer caller into speech make-a-payment transaction  
A user calling a payment center has the option of using an automated speech recognition payment system or a human representative to make the payment. If the user selects to make a payment using a...
8554675 Payment service that applies user-specified rules to divide payment amounts among multiple payment instruments  
A network-based transaction processing system allows users to flexibly and efficiently make payments using a combination of different payment instruments. The system includes a user interface...
8554678 Transaction processing using a global unique identifier  
A Globally Unique IDentifier (GUID) is used to match an authorization request with an authorization response for a transaction between a merchant and a consumer upon an account within a payment...
8554652 System and method for providing borrowing schemes  
A system and method providing a borrowing scheme. The method comprises the steps of: receiving a time-based spending alert threshold designation from a user via the network; receiving at least one...
8554676 Purchasing alert methods and apparatus  
Systems and techniques for receiving transaction information at an authentication system. The transaction information may be processed using different rule sets, based on the financial instrument...
8554677 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...
8554667 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,...
8554666 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,...
8548906 Method and apparatus for automatic savings upon event detection  
Method and apparatus for automatic savings upon event detection. An electronic transfer of funds from one financial account to another financial account is performed in response to selection of a...
RE44513 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...
8548877 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...
8548922 System and method for a private and secure payment system between two parties using a central system  
A private and secure payment system has a portable wireless device belonging to party A with a payment function and a central system that is used to effect a private and secure payment transaction...
8548907 System for converting paper money orders to electronic money orders  
A system and method for converting any and all types of paper money orders into electronic money orders, for retrieval subject to authorization. It allows a customer to make online purchases of...
8548881 Credit optimization to minimize latency  
Embodiments of systems and methods are described for reducing latency during invoice generation involving credit distribution. In some implementations, references to invoice line items are sorted...
8548913 Method and apparatus to secure an electronic commerce transaction  
A method begins by a processing module receiving data content. The method continues with the processing module embedding the data content into a data stream to produce a stream of data. The method...
8543503 Systems and methods for automated invoice entry  
The present invention is directed to methods and systems for the transfer of bulk paper invoices into electronic invoices for electronic submission from a seller to a buyer. The systems and methods...
8543495 Online electronic transaction and funds transfer method and system  
Existing e-commerce is carried out largely using credit card charges, which are expensive in terms of transaction charges and not particularly secure. The present invention provides an online funds...
8543499 Reducing risks related to check verification  
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide scores that describe a consumers spending capability, tradeline history including balance transfers, and...
8543498 Method and system for designating and tracking feature sets for individual accounts  
A improved method of managing feature sets associated with credit card account numbers includes (1) storing in a first database a plurality of credit card account numbers, wherein each credit card...
8543505 Method of providing lumens and tracking of lumen consumption  
Techniques are disclosed for compensating an LED light fixture/light source provider for generation of photons by one or more LED light fixtures used by a customer. In one example, a method...
8543500 Transaction processing method, apparatus and system  
The present invention relates to transaction processing, for processing of payments between payer's (usually individual payers) and payee's (usually merchants. Conventionally, a payment transaction...
8543509 Payment system for transactions benefitting charities  
Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for presenting offers and processing payment transactions. A method includes receiving current...