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8321315 System and method for consumer control over card-based transactions  
A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the...
8321344 Self-service terminal  
A self-service terminal (12) for connection to a network (30) is described. The terminal (12) has means for receiving payment from a user (58), such as a check deposit module and/or a cash...
8319990 Printing apparatus with data decryption  
A printing apparatus includes a data reading unit that reads data from a storage device that can store pieces of data, the data reading unit being connectable to the storage device, an input panel...
8321345 Trusted internal interface  
An interface and device architecture for a payment device. An interface between a payment application installed in a payment device and one or more value-add applications (such as loyalty programs,...
8321338 Electronic network access device  
Methods and systems are described for processing transactions. The methods and systems enable a consumer to present a customer identifier, such as a merchant loyalty or membership card or other...
8321337 Internet-connected devices  
There are disclosed methods and systems for identifying an embedded device to a server system so as to provide an improved permission and billing relationship. The invention enables transaction...
8315932 News induced automated electronic securities transactions  
News information is received. It is determined if the news information contains a reference to a company. It is further determined if the news information matches criteria associated with the...
8315951 Identity verification for secure e-commerce transactions  
A method and apparatus are provided for providing authentication of an e-commerce server to a user engaging in e-commerce transactions. When the user begins an e-commerce session, the e-commerce...
8311944 System and method of currency conversion in financial transaction process  
A transaction process system (10) provides for data transactions between parties. In a credit card transaction, the parties are the merchant (20), acquiring bank (24), card association (34),...
8311529 Coordination operation method and mobile communication terminal  
A mobile communication terminal having a structure including a host section and an engine section is built compactly. —As a request for using a host-connecting device is received from an engine s...
8306913 Internet billing method  
The present disclosure may include, for example, a method for establishing a remitting arrangement between a provider and a vendor to create between the provider and the vendor an electronic...
8306916 Method and system for digital document management on a mobile device  
A method and system are described for tracking a process of provisioning, by a middleware server to a portable device in a mobile payment system, electronic wallet data for authorizing a payment...
8302171 System and method for privilege delegation and control  
This invention provides a privilege delegation mechanism, which allows a privilege and associated control attributes to be delegated from a security token to another security token or an...
8301562 Life settlement transaction system and method involving apportioned death benefit  
A method and system for structuring a life settlement with a paid-up policy transaction. An existing insurance policy holder exchanges an existing insurance policy for a paid-up insurance policy or...
8301566 System and method for providing a financial transaction instrument with user-definable authorization criteria  
Authorization limits on the use of a financial transaction instrument, such as a credit card and the like, may be set by an owner of a financial account corresponding to the financial transaction...
8296204 System and method for reducing RIKS associated with accepting a financial instrument  
A system and method for verifying a financial instrument or a user's authorization to use a financial instrument. The system initiates one or more verifying transactions involving the instrument,...
8296233 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.
8296242 Method and apparatus for coordinating and tracking delivery of a benefit  
A method for validating and securing transactions involving multiple agents separated by physical space or scheduling constraints is presented. In the invention messages (informational tokens) are...
8296235 System and method for cashback funding  
In an example embodiment, a system is provided for a cashback funding of an account. The system comprises a transaction receiving module to receive a request to process a transaction amount,...
8290862 Method and system for expediting payment delivery  
A method and system of the present invention are directed to expediting payments for scheduled delivery (e.g., next day delivery) to various payees or recipients. A computer implemented method and...
8290868 Financial cards and methods for per-transaction personal financial management  
Systems and methods for personal financial management using a financial card having a body with a front side and a back side, and a primary account number user associated with a primary account of...
8290869 Automated teller machine system and method and relay center  
Automated teller machine systems and methods for reducing system development efforts by financial institutions and for providing a financial transaction system that is adapted for using one or more...
8290552 Devices, systems and methods for identification through a mobile device  
Devices, systems and methods are disclosed which relate to a smart cover for a mobile communications device. The smart cover includes a housing plate, a secure element coupled to the housing plate,...
8290863 Method and system for expediting payment delivery  
A method and system of the present invention are directed to expediting payments for scheduled delivery (e.g., same day delivery, next day delivery) to various payees or recipients. A computer...
8285588 Method and system for providing rewards to a portable computing device at the point of sale  
Providing rewards to a user by storing a user profile in memory of a computing device, the user profile including profile data including prior purchase history by the user including details of a...
8285643 System and method for processing gift cards  
Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift card recipients to redeem gift card amounts using existing accounts such as a...
8285637 Authorization request for financial transactions  
Embodiments of the present invention provide a method, system, and computer program product for authorizing a financial transaction. A financial institution can identify financial risk associated...
8286201 Digital broadcasting receiver and a data processing method  
A digital broadcasting system and a data processing method are disclosed. A data processing method of a digital broadcasting receiver comprises receiving a mobile/handheld (MH) broadcasting signal...
8275712 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...
8275312 Induction triggered transactions using an external NFC device  
A method for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile...
8275713 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...
8275353 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...
8275664 Transaction system and method  
The present invention generally relates to cashless transactions. In particular, the present invention relates to methods (100) for conducting cashless transactions and systems (400, 500) for...
8271386 Payment balance exception processing  
A system for managing and processing exceptions to shared global treasury limits across multiple different platforms can be utilized by an organization to eliminate inconsistent client experiences...
8271789 System and method for managing usage authorizations based on the use of smart cards  
Disclosed is a system managing usage authorizations, comprising a central computer system, field devices and smart cards, wherein the system maintains databases containing all information relating...
8265591 Blocking subscribers defaulting payment from network access  
Computer media, systems, and methods for blocking subscriber network access and managing subscriber network access are provided. A subscriber account, having an associated wireless device with a...
8266056 System and method for manufacturing a punch-out RFID transaction device  
The present invention relates to a process for producing an irregularly shaped Radio Frequency operable transaction device using conventional International Standards Organization dimensions for...
8265256 Method and apparatus for locating and reserving items via a web application  
A method and apparatus for providing a web based service that allows subscribers to specify the particular item they desire to purchase, to input a zip code, and to activate a web based tool to...
8255328 System, method, and computer readable medium for settling micropayment transactions to a pre-paid instrument  
The invention provides a system, method, and computer readable medium for conducting micropayment transactions between consumers and merchants. A merchant offers micropayment transactions to a...
8255326 Method and apparatus for mapping sources and uses of consumer funds  
A bill-paying system includes a customer deposit account which receives periodic payroll deposits of an individual or a couple. A bill-paying service enrolls the individual or couple for a fee, and...
8255330 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...
8249988 System and method for verifying payment  
A method, apparatus and system for verifying a charge payment transaction subsequent to executing the charge payment transaction in a retail location. The method includes moving a charge payment...
8244636 Payment system  
An electronic transaction payment system is provided having a vendor terminal associated with a vendor who provides goods or services to a purchaser, a vendor smart-card and a vendor smart-card...
8244631 Data transfer system using mobile terminal and two-dimensional barcode  
A data transfer system using a mobile terminal and a two-dimensional barcode, and more particularly, a processing system, server, processing terminal, and communications terminal that can be used...
8244637 Pre-paid card transaction computer to load a loan on a pre-paid card  
A loan transaction for a pre-paid card is approved for a borrower so that release of the loan proceeds is pending an activation of a pre-paid card. A financial institution computer converts loan...
8239320 Electronic money apparatus and an electronic circuit  
An apparatus of the invention comprises an operation inputting element for designating one of a plurality of functions; a function executing element for executing the function designated by the...
8239324 Mobile terminal  
A mobile terminal capable of causing the user side to grasp whether or not a credit settlement service stops with a simple operation is provided. In the mobile terminal 10, validation and...
8239270 Method for associating financial transaction data with 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...
8239221 Methods for selling insurance using rapid decision term  
An insurer sells a life insurance policy having a coverage period equal in length to the term of the policy. The consideration paid by the insured is relatively high compared to conditional receipt...
8235288 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...