Sign up


Match Document Document Title
8478690 Special maturity ASR recalculated timing  
An system for and method of repurchasing stock is presented. The system and method improve upon prior art techniques by limiting risk to an investment bank that enables an accelerated stock...
8478251 Event response apparatus and method  
A specially programmed computer and method supported by the use of individual mobile communication devices manages, organizes and automates responses to events. The responses are taken by third...
8473401 System and method for processing and settling payment instructions relating to various financial instruments  
A system for facilitating settlement of payments relating to transactions involving financial instruments among multiple participants is provided. An interface receives from participants first and...
RE44326 System and method of voice recognition near a wireline node of a network supporting cable television and/or video delivery  
A method and system of speech recognition presented by a back channel from multiple user sites within a network supporting cable television and/or video delivery is disclosed.
8472047 Billing and printing system, image forming device, and job processing method for the image forming device  
Under a contention between a copy job and a print job, it is possible that a general user misunderstands that the payment he has made for the copy job is mistakenly used on the print job requested...
8473426 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...
8473384 Investment model for formation of capital and value creation  
A method for fostering technological innovation utilizing a competitive format is disclosed. The method includes establishing a contest entity organized to achieve a desired goal, organizing a...
8473303 System and method for establishing electronic business systems for supporting communications services commerce  
A comprehensive electronic business support system comprises three layers: (1) the business layer, including various smart components which unify data and business processes across all customer...
8473413 Methods and systems for managing government issued entitlements  
A method for designating accounts for funds from a check to be deposited is described. The method includes receiving, at a processing center having a processor, a direct deposit government...
8473380 Pay yourself first budgeting  
The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general,...
8473386 Systems and methods to facilitate real time communications between members of a social network  
Methods and systems to facilitate real time communications and/or commerce via a social network. In one embodiment, communication references are provided to facilitate the requests for real time...
8473614 User interface for collecting criteria and estimating delivery parameters  
The present invention relates generally to a method of identifying data delivery parameters relating to delivery of data accessible from a network location via a communications service provider....
8473395 Universal payment protection  
A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other...
8472918 Multiple access internet portal revenue sharing  
Multiple access internet portal billing systems are provided. A representative system, among others, includes a communication facility, a wireless internet server, and a transaction billing system....
8468038 System and method for processing work products for vehicles via the world wide web  
A method and system for receiving data relating to an insurance claim for a damaged vehicle and transmitting a valuation report for the damaged vehicle over the world wide web. The system includes...
8468093 Method and system for performing a commercial transaction by using a short message service terminal  
Method for performing a commercial transaction wherein a customer having a computer connected to a public network such as the Internet network and a SMS terminal is able to receive and send SMS...
8468096 Systems and methods for verifying identities  
A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the...
8467506 Systems and methods for structured voice interaction facilitated by data channel  
A voice channel connection and a data channel connection are established with a structured voice interaction system. Navigation information for and provided by the structured voice interaction...
8463831 User association of a computing application with a contact in a contact list  
Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the...
8463697 Method and system for providing a loan using equity in a new home  
Systems and methods are disclosed for financing a transition of a borrower between ownership of a prior home to ownership of a new home in conjunction with services. The transition is associated...
8463698 Systems and methods to select a credit migration path for a consumer  
According to some embodiments, supplemental information about a consumer is determined, the consumer being associated with a first level of credit availability. One of a plurality of potential...
8458086 Allocating partial payment of a transaction amount using an allocation rule  
A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving...
8458091 System and method for prioritizing processing of payment instructions  
A prioritizing system and method are disclosed for prioritizing processing of payment instructions through a payment instruction processing system of a business entity. The method includes...
8458087 Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines  
Methods for consumers to pay at the point of sale by using a personal communicator to wire transfer funds out of their bank account. The communicator is coupled to, and exchanges signals with a...
8458020 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....
8458068 Monitoring in an automated clearing house processing environment  
Systems, methods, and computer program products provide for monitoring activities related to Automated Clearing House (ACH) processing and, in specific embodiments, monitoring activities related to...
8458089 System, method and program product for administering fund movements using depository institution groups  
A method, system and program product, the method comprising: obtaining at or before a first source reception cutoff time, first client account transaction information; obtaining a respective net...
8458092 Techniques for transaction adjustment  
Techniques are provided for transaction adjustment. A payment device, having an offline balance, is presented to an offline terminal in connection with a putative transaction. If an irregularity...
8452258 Method and system to implement telephone billing to incentivize shared mobile phone usage  
Disclosed is a method and system for implementing account billing which incentivizes shared mobile phone usage. The owner of a phone, or other device capable of making phone calls, would receive a...
8452705 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...
8452701 Methods, devices and bank computers for consumers using communicators to wire funds to sellers and vending machines  
Methods for consumers to pay at the point of sale by using a personal communicator to wire transfer funds out of their bank account. The communicator is coupled to, and exchanges signals with a...
8452707 Credit card, credit card systems and method  
A credit card and credit card payment system includes a zero-LOC card account having an associated zero-LOC card with a unique identification number and a zero line of credit. The issuer of the...
8452661 Metered electrical charging station with integrated expense tracking and invoice capabilities  
A system for safely recharging and charging electrically powered vehicles, including hybrid powered vehicles, includes an electrical charging station for connecting the vehicles to a source of...
8452704 Method and system for on-line payments  
A method and system for making on-line payments makes use of computer hardware and software and utilizes, for example, a payment engine that facilitates the making of payments via the Internet. A...
8452706 Methods and apparatuses for presenting offers for financial products  
Embodiments of the present invention relate to apparatuses and methods for presenting offers for financial products, and more particularly, for presenting offers for financial products in graphical...
8452623 System and method for processing payroll-related employee and insurance data  
A computer system accesses payroll-related insurance premium data at an individual employee level and provides the data at the individual employee level, including cost of insurance at the...
8452692 Method and system for managing exchange traded funds using an intraday indicative value  
A computer implemented method, system, and software for calculating and using an intraday indicative value of a leveraged Bullish or Bearish exchange traded fund (“ETF”) for arbitrage purposes, inc...
8452662 System, program product, and associated methods to autodraw for micro-credit attached to prepaid card  
A prepaid card processor receives data for a line of credit for a prepaid card from a lending institution computer. The prepaid card processor makes available draws to the line of credit line on...
8452708 Universal payment processing  
A computerized universal payment method to allow merchants with differing risk tolerance, transaction fee tolerance, and payment time tolerance to optimize customer payment transactions that have...
8452702 System, method and program product for minimizing fund movements  
A method, system and program product, the method comprising: accessing databases, comprising (i) aggregated account information for a plurality of government-backed insured interest-bearing...
8452267 System and method for granting access to a system  
A method and system for granting access to a service is based on a received request and a communication between a subscriber, client and a service provider.
8447359 Electronic transactions  
A method of accomplishing a transaction by a user equipment. Transaction information is inserted in at least one data field of an information entity that associates with the transaction based on...
8447635 System and method for managing investment risk in satellite operator companies  
In order to mitigate risk of satellite investment loss, a satellite loss event or failure event for a satellite that will be operated by a satellite operator company is identified. Financial...
8447677 Transaction range comparison for financial investigation  
Systems and methods for determining the likelihood that a group of transactions may be structured to avoid a limit or reporting requirement, such as a government reporting requirement, are...
8447672 Universal payment protection  
A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other...
8447673 Method and system for efficient funding of gift and reward cards  
A system and method that delays or eliminates the initial funding of cards having a stored or redemptive value. A database or other data storage device stores card identifying information until...
8447670 Universal payment protection  
A system for and method of providing payment protection upon the occurrence of trigger events. The system and method include an account, which may be associated with a credit card or other...
8447658 Electronic bearer bond online transaction system  
An electronic transaction system, comprising bearer bond means for providing an online electronic bearer bond having a monetary value, transaction means for performing monetary transactions with...
8447676 Billing support in a media exchange network  
A system providing billing support for the exchange of media is disclosed. An embodiment of the present invention may provide for the authorization of and billing for the delivery of media from a...
8442912 Method and system for facilitating creation and promotion of creative works  
A method and system for facilitating the creation and promotion of creative works involves displaying or providing information about one or more undeveloped creative works, and receiving and...