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8463674 System and method for distributing mobile gift cards  
A system and method for distributing mobile gift cards is described. One embodiment, a computer-server-based method, receives a selection of a merchant with which to associate a mobile gift card,...
8463234 Method for providing security services by using mobile terminal password and mobile terminal thereof  
A security service providing method using a mobile terminal password and a mobile terminal thereof. A normal password and an emergency password are stored in a smart card in advance. When a...
8463711 Methods and architecture for cashless system security  
Apparatus and method for secure transactions between gaming machines and portable devices are described. The secure transactions may include a transfer of an amount of an indicia of credit with a...
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...
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...
8452647 Portable hand-held multi-function device for storing, managing and combining rewards  
A system and method for operating a reward points accumulation and redemption program wherein a user earns reward points from a plurality of independent reward points issuing entities, with each...
8452651 Method and system for providing rewards to a portable computing device at the point of sale  
A method of providing rewards to a user by storing, in a portable computing device, user profile data which may be accessed by a merchant terminal only if allowed by the user. A merchant terminal...
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...
8447666 System and method for associating financial transaction data with user's project data using a portable electronic device  
This invention relates to a system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project data using a...
8447690 Business and social media system  
A business and social media system is provided for establishing communication services between people in different countries. The system includes a core system module, the core system module...
8448252 System and method of facilitating compliance with information sharing regulations  
The present invention provides a system and method of facilitating compliance to one or more information sharing regulations. The present invention provides a computer system equipped with a...
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...
8442913 Evolving payment device  
A computer apparatus is provided that comprises processor and a computer-readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for...
8442914 Virtual wallet account with automatic-loading  
Methods and apparatus for operating a virtual wallet system are described. In an embodiment, the process includes receiving, at a virtual wallet server, a virtual wallet account number and payment...
8438058 Internet service systems and methods  
A method of operating an internet service system comprises receiving a service request, wherein the service request identifies a user and indicates a service requested by the user, selecting a...
8430298 Presentation instrument package arrangement  
A presentation instrument package is constructed of a carrier having a package identifier. The package defines an enclosure into which is held a presentation instrument having a human readable...
8429085 Financial transaction token with onboard power source  
There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when...
8429076 System and method for funding a collective account  
A system and method for funding a collective account such as a charitable account includes issuing a plurality of financial instruments, linking the financial instruments to the collective account,...
8429046 System and methods for servicing electronic transactions  
A service transaction provider for administering a plurality of accounts for a client includes a computer having a processor, a data storage medium, and a network port. The storage medium is...
8429079 Overdraft protection and forgiveness  
Various aspects relate to systems, methods or devices for processing overdrafts made by customers. A particular embodiment is directed towards, a system that is configured to receive transaction...
8429075 System and method for instant issue of personalized financial transaction cards  
In a method for instantly issuing a personalized financial transaction card to a customer a bank employee receives customer information and card information from the customer at a branch location....
8423464 Prepaid transaction card activation system and method  
Reloadable or non-reloadable prepaid transaction card activation systems are disclosed. More specifically, the system provides a platform for activation of prepaid or stored value transaction cards...
8423463 Personal financial manager with gift cards aggregation  
A method for managing the use of a gift card with a personal financial management application (PFMA), including storing a balance of the gift card in the PFMA, obtaining, using a central processor...
8423400 System and method for managing customized reward offers  
In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined....
8423462 Real-time mobile wallet server  
Techniques and apparatuses for providing wallet server information to an entity using a real-time mobile wallet server (MWS) are disclosed herein. The MWS may receive a request for personal...
8423475 Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia  
Systems and methods are configured to manage data sets associated with a transaction device. For example, a method is provided for facilitating the management of distinct data sets on a transaction...
8422652 Device and method for managing communication credits associated to use of services by a terminal  
This client device (20) is able to use a service on a telecommunications network (1). It includes means (21) for storing a call credit (C_S1, C_S2) associated with that service and means (30) for...
8417637 Approving the use of the source of funds  
Computer-implemented method and system are provided for verifying a financial instrument. The method comprises receiving identification of a source of funds; generating, using at least one...
8417600 Systems and methods for graduated suspicious activity detection  
Systems and methods for evaluating electronic value transfers. Various of the methods include graduating a defined affinity between transactions to increasing levels of scrutiny. At an increased...
8417628 Electronic bill presentment and payment system and method  
A method and system using a communication network such as the Internet to allow registered users the flexibility to pay a bill by using traditional non-electronic payment methods after receiving an...
8412629 Non-cash transaction incentive and commission distribution system  
An electronic fund transfer system is disclosed wherein commissions for point-of-sale purchase transactions are determined and distributed to members of an organizational network for promoting use...
8403211 System, program product and methods for retail activation and reload associated with partial authorization transactions  
Systems, program product, apparatus and method for transmitting and processing the sale of a transaction card product over an existing payment network using partial authorization messaging, are...
8401974 Method, system, and graphic user interface for enabling a customer to access a media file  
A method, system, GUI, apparatus, and computer readable media for enabling a customer to access to a media file uploaded by a user are provided. A user profile may be generated using received login...
8401880 Computer reservation and usage monitoring system and related methods  
A computer network may include a host computer and a plurality of computer workstations selectively connectable thereto at which user work sessions may be initiated. Each computer workstation when...
8401964 Apparatus, method, and computer program product for encoding enhanced issuer information in a card  
Facilitating communications between an electronic payment device and an issuer host includes storing in the payment device a set of personalization parameters. A first set of status information...
8396788 Cost-based deployment of components in smart item environments  
One or more distributions, to service execution environments, of component services associated with a composite service associated with an analysis of data generated by one or more sensors, may be...
8396799 Media device payments remote control personalization and protection  
A server is operable to receive a media device identifying number (ID) and to create an established association between the media device with a payment account and to support at least one of...
8392330 Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account  
A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by...
8392331 Hybrid secured credit card  
According to one or more aspects, financial transactions may be conducted using a financial card product, such as a hybrid secured credit card that permits transactions up to a predetermined total...
8392306 Transfer instrument  
A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an...
8381970 Banking system operated responsive to data read from data bearing records  
A system includes automated banking machines that operate responsive to data read from data bearing records. Transactions can be carried out through communication with local and remote service...
8386145 Device, system and method for controlling speed of a vehicle using a positional information device  
A device, system and method for controlling speed of a vehicle are provided. The device includes a locational information module for determining location information and speed; a storage module for...
8380563 Using previous user search query to target advertisements  
A system and method to target advertisements to a user search query using a previously entered user search query as well as the current search query. The previously entered search query can...
8374960 Prepaid transaction tracking  
The prepaid transaction tracking system allows, for example, entities, such as businesses, individuals, or the like, to have the ability to identify, track and maintain information about prepaid...
8374916 Secure mobile-based financial transactions  
Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a...
8374961 On-line payments facility  
A computer system implements a counterparty management module and a payment module for processing employee direct payroll deposits. The counterparty management module permits an employer to add...
8370255 System and method for providing extra lines of credit  
A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card...
8370263 Providing trusted services management using a hybrid service model  
Methods, computer readable media, and apparatuses for providing trusted services management using a hybrid service model are presented. According to one or more aspects, a first transaction log of...
8370259 Verifying the source of electronically exchanged value  
Computer-implemented method and system are provided for verifying a financial instrument. The method comprises performing a plurality of transactions using a source of electronically exchanged...
8370499 Self-service terminal  
A self-service terminal comprises: a plurality of session initiation devices, each associated with an initiation token, so that a customer can initiate a transaction using one of a plurality of...