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8019320 |
System and method of managing contactless payment transactions using a mobile communication device as a stored value device
A method handling payment transactions in a system using mobile communication devices as stored value devices is disclosed. A transaction operations server receives multiple records of the...
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8019684 |
Smart card load and purchase transactions using wireless telecommunications network
A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading,...
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8019682 |
Internet billing method
An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the...
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8019686 |
Method and system for allowing simultaneous usage of prepaid services
A method and system allows multiple and simultaneous use of a pre-paid calling card. A call management system allows for the completion of multiple calls under one pre-paid calling card account...
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8016192 |
User-configurable priority list for mobile device electronic payment applications
A mobile device as disclosed herein can support a plurality of electronic payment applications such as credit and/or debit applications. During a payment transaction, the mobile device communicates...
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8019668 |
System and method for allocation to obtain zero activity in a selected aggregated account with holdback
A method, system and program product, the method comprising: accessing one or more databases comprising: aggregated deposit account information for a plurality of government-backed insured and...
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8014755 |
System and method of managing contactless payment transactions using a mobile communication device as a stored value device
A method and apparatus handling payment transactions in a system using mobile communication devices as stored value devices are disclosed. A transaction operations server receives multiple records...
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8010428 |
Form factor identification
A payment device, method, and apparatus configured to determine the form factor of the payment device used in a financial transaction, without requiring a different primary account number for each...
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8006901 |
Mobile terminal, register device, and commodity sale processing system
A mobile terminal is provided. A scanner unit reads code information attached to a commodity. A RAM stores the code information read by the scanner unit as commodity-for-purchase information. The...
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8005756 |
Debit purchasing of stored value card for use by and/or delivery to others
A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has...
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8001047 |
Method and apparatus for effecting payment
One aspect of the invention relates to a technique for effecting payment, and involves: presenting a portable device; and causing the portable device to output a pseudo payment code.
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8001048 |
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...
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8001031 |
Capital-adequacy filing and assessment system and method
Systems and methods of capital-adequacy filing and assessment for determining compliance with capital-adequacy rules include an authorized-entity computer and a processing computer in electronic...
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8001326 |
Portable terminal
A management apparatus including a portable terminal identifying module to receive card information from a non-contact IC card processing unit having a module to communicate with an IC card without...
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7992781 |
Merchant alerts incorporating receipt data
One embodiment of the invention is directed to a method comprising receiving an authorization request message for a transaction conducted by a consumer with a merchant, sending the authorization...
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7992774 |
System and methods for creating a user customized bank card
One form of the present invention contemplates a unique system for creating a customized bank card by a consumer/user based on instructions from a remote terminal. Other forms of the present...
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7992779 |
Method for use in association with identification token and apparatus including identification token
In some embodiments, a method comprises: sensing at least one of movement and position of an identification token; determining if a criteria is satisfied; and enabling operation of the...
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7992792 |
Portable payment device
A payment method and system are provided for electronic data that is purchased by a recipient from a supplier thereof for transmission to the recipient with payment being made in advance of...
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7991694 |
Mobile electronic commerce system
The objective of the present invention is to provide a mobile electronic commerce system that is superior in safety and usability. The mobile electronic commerce system comprises an electronic...
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7988036 |
Article having an embedded accessible storage member, apparatus and method for using same
A portable card adapted to interact with a data processing station when the portable card and the data processing station are moved relative to each other is disclosed. The portable card includes a...
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7988039 |
Card activated cash dispensing automated banking machine firmware authentication system
A card activated cash dispensing automated banking machine is provided which is operative to authenticate firmware in at least one hardware device of the machine. The hardware device is operative...
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7991692 |
Electronic payment instrument and packaging
Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device.
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7988061 |
Article having an embedded accessible storage member, apparatus and method for using same
A portable card adapted to interact with a data processing station when the portable card and the data processing station are moved relative to each other is disclosed. The portable card includes a...
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7988041 |
Automated banking machine that operates responsive to data bearing records
An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user...
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7991693 |
System and method for distribution of payment media
Systems and methods of the present disclosure provide a method for distributing payment media to a customer. In various embodiments, the systems and methods include receiving a request from a user...
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7983987 |
System and method for conducting secure payment transaction
In a secure electronic payment system, authentication data based on a payment account (e.g., a credit card account) is sent from an authentication server, through a user's Web browser, to a...
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7984510 |
Terminal device and computer readable medium
It is an object of the present invention to prevent illegal use of a terminal device, and to enhance security of the terminal device itself. Features of the present invention are: to store...
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7980458 |
Electronic wallet device and communication method
There is provided an electronic wallet device including a holding section to hold a plurality of non-contact type IC cards, an external communication antenna to perform non-contact communication...
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7979351 |
Prepaid transaction card activation system and method
The present subject matter relates to reloadable or non-reloadable prepaid transaction card activation systems. More specifically, the system provides a platform for activation of prepaid or stored...
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7974920 |
Benefit planning
Methods, computer readable media, and systems including program instructions are provided for use with benefit planning. A method embodiment includes providing terms for a number of benefit plans...
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7970703 |
Internet billing method
A system that incorporates teachings of the present disclosure may include, for example, equipment operable to establish a communication session over the Internet between equipment of a vendor and...
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7970669 |
Method and system for store-to-consumer transaction management
The invention provides a method for capturing, tracking and managing a transaction of a user at an advanced Point-of-Sale (POS) register. The method steps include obtaining transaction data of the...
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7970702 |
Method and system for automated collections
An automated debt collection system receives data relating to debtors and their debts. The system filters the data, according to pre-defined criteria, and contacts debtors who meet the criteria....
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7966255 |
Method and apparatus for a no pre-set spending limit transaction card
A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card, including an overlimit spend feature and...
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7966224 |
System, method and computer program product for generating a relationship-based recommendation
A system, method and computer program product are provided for providing recommendations. In use, a plurality of contacts is identified, where each contact has a relationship with a user. In...
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7966236 |
Method and system for real time margin calculation
Methods and systems for real time margin management are provided. A margin inquiry request from a user is processed in real time. Such a margin inquiry request may include a real time on-demand...
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7966235 |
Method and apparatus providing automated control of spending plans
A method providing automatic allocation of a spending limit value among a plurality of recipient departments is disclosed. A spending plan, comprising a plurality of spending limit values, is...
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7959076 |
Secure card
Systems and methods for monetary cards are described. The cards are free from personally identifiable data, e.g., no name or embossment. In an example, the card includes a first number that...
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7958029 |
Method for minimizing financial risk for wireless services
A method and system for managing financial risk through the use of postpaid processing during use of wireless services is presented within the scope of the following invention. The present...
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7953650 |
Medical diagnostic system acquisition and financing method and apparatus
The present technique is associated with financial analysis of a transaction for medical resources. The technique allows a client to interact with a remote financial analysis system via a network...
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7950576 |
Portable consumer device for use in currency conversion process
A server computer including a processor and a computer readable medium coupled to the processor. The computer readable medium includes code executable by the processor. The code includes code for...
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7953658 |
Systems and methods for processing credit card transactions that exceed a credit limit
A method, system, and computer are disclosed for managing a financial transaction associated with a financial account, wherein the transaction would cause an outstanding balance of the financial...
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7946502 |
Financial transaction token
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...
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7949579 |
System and method for associating financial transaction data with a user's project data
This invention relates to an expense reporting system for viewing and manipulating a user's financial transaction data and a method for associating financial transaction data with a user's project...
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7945493 |
Creation of pseudo block to assist in system for facilitating trade processing and trade management
A system for facilitating the processing and settlement of securities trades is provided. The system includes a computer which receives trade execution information indicative of an executed trade...
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7945514 |
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,...
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7941368 |
System and method for electronic transaction settlement
A method for electronic transaction settlement includes a customer providing an account identifier and contact information to a merchant, the merchant contacting a settlement house and transmitting...
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7941369 |
Method of assisting a business in acquiring merchant services
A method of assisting a business in acquiring merchant services includes the following steps: gathering the information of the business; comparing the gathered information to a repopulated rate...
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7941373 |
System for electronic transaction settlement
An electronic communication system associated with a settlement house for settling an electronic transaction between a customer and a merchant. The communication system is configured to receive...
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7930249 |
Mobile wireless financial instrument for automatically selecting a payment instrument
The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least...
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