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8185453 |
Contextual access to workflow functionality
Systems and methods provide access to features of a business management application at a contextually relevant locations within a global workflow. The system gathers data from various application...
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8185471 |
Integrated payment receiving and processing system
Systems, methods, and computer program products are provided for integrating a mail receiving process with a payment processing system. Embodiments of the invention include a capture device...
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8185414 |
System and method of processing a health insurance claim
A system and method of processing a health insurance claim are provided. According to the method, transaction data is received that has been transmitted from a third party computer via an open...
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8180655 |
Systems and methods for processing vehicle or driver performance data
Apparatus and methods to process vehicle or driver behavior data are described herein. In some examples, the behavior data is used by a premium calculating engine to derive a premium for a vehicle...
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8180707 |
Construction payment management system and method with actionable notification features
A system and method for managing a construction payment process. One method embodying the invention can include automatically generating an electronic notification in response to an event, the...
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8180705 |
Method and apparatus for initiating a funds transfer using a mobile device
The invention is directed to a method and apparatus for initiating an electronic funds transfer. The system includes a first mobile device, a payment engine, and a payment repository. The first...
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8175970 |
Cash to card recycling
An end-to-end currency handling and management system and method include a recycler system configured to receive currency, deposit the currency into a desired account and make the currency...
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8175969 |
Architecture and method for bill presentment using a web-based tool
An architecture and method for bill presentment using a web-based tool is disclosed. A common architecture collects billing data from multiple business technology systems and present the billing...
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8175923 |
Customer checkout accelerator
A system and method for accelerating customer sales transactions in a retail store. A customer checkout accelerator provides a customer user interface initiate a request for a preapproval amount...
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8175971 |
Lifetime guaranteed income rider
Apparatus and methods for providing to a bank customer a guaranteed retirement distribution based on a retail bank product. An electronic processing module may be used to identify a value of an...
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8170952 |
System and method for providing instant-decision, financial network-based payment cards
A system and method for issuance of a financial network-based payment card (generally known as a “payment card” or a “credit card”) almost instantaneously after application, wherein an applica...
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8170946 |
Cost management file translation methods, systems, and apparatuses for extended commerce
A quantity of an item referenced within a multilevel bill of material (BOM) is determined. A price bid for the item is received into an application framework from a supplier. The price bid is...
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8170527 |
Real-time balance on a mobile phone
A system, method and prepaid payment mobile phone configured to display a current prepaid balance. The prepaid payment mobile phone receives a debit balance request from input on the mobile phone....
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8167200 |
Authorization verification system
A transaction card payment authorization system wherein a user presents the transaction card issued by an issuer to a merchant to facilitate payment to the merchant through an acquirer. The system...
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8165944 |
Point of service third party financial management vehicle for the healthcare industry
A method for point of service third party adjudicated payment, which includes providing payment system access information to a point of service provider, receiving from the point of service...
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8164469 |
System and method for controlling battery cool-down
A method for cooling a battery after a charging phase including the steps of providing a user display, identifying a starting point at which the charging phase of the battery transitions to a...
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8165958 |
Electronic bill presentation and payment method and system
A comprehensive electronic bill presentment and payment system and method is described. Bills can be received by the system, in any electronic format. Bills can also be received by the system...
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8165960 |
System and method for automatically registering a product
A database is provided for storing a plurality of sales transactions between buyers and sellers, where each sales transaction may involve, for example, the sale of a product. A signal is received...
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8165809 |
System and method for optimized flight planning
A computer-implemented system and method for the processing and optimization of flight plans is disclosed. Information regarding a plurality of previous flight plans is received over a digital...
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8165959 |
Method and apparatus for pricing calculation
A method and apparatus for providing a competitive bid from a provider comprising receiving billing data from a user, the billing data including provider information, location, and total bill...
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8165948 |
System for selecting and purchasing assets and maintaining an investment portfolio
The invention is in the field of computer implemented systems and methods for generating a profile of an investor's risk tolerance, providing automated investment allocation advice based on the...
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8160989 |
Method and apparatus for efficient token matching using complex rules
A method and apparatus for efficient token matching using complex rules. In one embodiment, the method and apparatus comprises searching a token stream to determine an earliest, narrowest token...
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8160961 |
Charging for prepaid subscribers in a telecommunications system
To be able to customize subscriber charging in a telecommunications system, at least two different kinds of tariff models (TM) are defined, each model containing a tariff scheme defining how to...
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8160956 |
Insurance system and method for a high-risk asset purchaser or lessee
A method of financing a purchase or a lease a depreciating asset that includes determining a credit worthiness indication associated with a purchaser or lessee and establishing a finance contract...
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8157166 |
Methods and systems for managing transaction card accounts enabled for use with particular categories of providers and/or goods/services
A computer-implemented method and system for managing transaction card accounts involves enabling a transaction card account by a card issuer for use with pre-defined categories of providers of...
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8156021 |
Data processing system and method for transmitting of payment advice data
Systems and methods for transmitting payment advice data from a payment computer system to a payee computer system are provided. An exemplary method may include generating a payment order and...
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8156042 |
Method and apparatus for automatically reloading a stored value card
To facilitate the sale of merchandise using a stored value card (SVC), a method and system are provided to automatically reload an SVC in accordance with automatic reload preferences associated...
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8156020 |
Charge managing system, image forming apparatus, charge managing server, and image forming method
A charge managing system including an image forming apparatus and a charge managing server is provided. The image forming apparatus includes plural applications each configured for executing a...
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8156022 |
Method and system for providing price protection for commodity purchasing through price protection contracts
Systems and methods for the provisioning of price protection contracts which provide price protection against adverse fluctuations in the retail price of a commodity to a consumer are disclosed....
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8156024 |
Systems and methods for directing disposition of certificate of deposit
The disposition of funds in a certificate of deposit (CD) may be specified at or near the time the CD is applied for. The depositor may specify disposition of funds such as transferring the funds...
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8156043 |
Systems and methods for a prepaid interest credit card account
A system for charging fees to a card holder of a credit card account may comprise at least one subsystem that calculates a prepaid interest amount and at least one subsystem that charges the...
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8155985 |
System and method using insurance for risk transference
Disclosed herein is a system and method for eliminating or transferring the non-economic risk of financial securities. The system and method serves to avoid non-economic losses in the first...
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8156046 |
Methods of rendering recommended media assets to a user by employing a handheld media player
Methods of rendering of unpaid media assets from an on-line merchandiser to a user are disclosed by the use of handheld media players. One embodiment uses the idle screen to display metadata of an...
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8156045 |
Methods and systems for associating customized advertising materials with billing statements
The present invention, therefore, provides systems and methods for overcoming certain deficiencies in the prior art. For example, in accordance with one embodiment of the invention, a system is...
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8146807 |
Method and system for managing case based promises to pay
A method of managing case based promises to pay includes displaying a customer hierarchy. The customer hierarchy displays (i) a customer level with customer level information and (ii) plural...
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8146803 |
Automated banking machine with noncontact reading of card data
An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine...
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8150745 |
Multi-company business accounting system and method for same including journals
In at least one embodiment of the present invention, a computer implemented method for journalizing financial information for a multi-company accounting system is provided. The method comprises...
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8146802 |
Automated banking machine with noncontact reading of card data
An automated banking machine can receive user card data from a cell phone. The phone stores the card data of several selectable cards, including electronic account number data. The machine...
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8150750 |
Systems and methods for managing expert content
Systems and methods for managing consultation requests to communities of experts comprising receiving consultation requests, receiving responses to consultation requests, and compensating experts...
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8150753 |
System for procuring business in an e-commerce environment
A system, method and computer program product are provided for e-commerce. In use, a plurality of suppliers are registered. In addition, goods-related information from customers is received, where...
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8150746 |
Global account reconciliation tool
A global reconciliation software tool is provided to standardize reconciliation processes across various corporate lines of business. The reconciliation tool provides standard templates for...
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8145510 |
Program for alternative funding of employee and retiree benefits
An insurance program for funding benefits by maintaining assets in the insurance program that includes an employer or employee owned trust account and at least one life insurance contract or...
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8145567 |
Transaction ID system and process
A system and process for creating, maintaining, and using transaction identifiers, i.e. a transaction DNA, is provided. The DNA, along with other transactional information, is sent through a set of...
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8145549 |
System and method for offering risk-based interest rates in a credit instutment
A system and method for communicating an offer to apply for a credit instrument is provided. A processing allows for processing credit history data. A calculating step allows for calculating a...
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8145568 |
Methods and systems for indicating a payment in a mobile environment
Methods and systems for indicating a mobile financial payment utilizing a mobile device such as a mobile telephone (cellphone) or wireless connected personal digital assistant (PDA). A mobile...
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8145565 |
Credit card account shadowing
Account shadowing is provided such that when a charge is made on a first credit card (e.g., a high interest rate credit card) of a user, a transfer of funds is made from a second credit card (e.g.,...
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8140432 |
Aggregated postal billing and payment methods and systems
A computer-implemented method for a trusted entity such as a Post Office to process bills from a plurality of billers includes generating aggregated listings of bills to be submitted each...
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8140421 |
Automatically determining a current value for a home
A facility for valuing a distinguished home located in a distinguished geographic area is described. The facility receives home attributes for the distinguished home. For each of a plurality of...
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8140418 |
Cardholder-not-present authorization
There is provided a method and system for real-time authorization of cardholder-not-present transactions. An authorization request application may be implemented on an electronic device, such as a...
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8140431 |
Dynamic financial liability management
Financial liabilities are dynamically managed by receiving liability information relating to a client associated with multiple financial liabilities. Each financial liability is associated with a...
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