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8515868 Multiple account advanced payment card and method of routing card transactions  
A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data...
8515836 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...
8510161 Reservation gift card  
A method of using a stored-value card to reserve an item includes providing a stored-value card to a customer prior to the release date of an item, adding value to the stored-value card prior to...
8510218 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...
8510188 Receiver driven money transfer alert system  
A method for performing a money transfer initiated by a receiver of the money transfer, wherein the method includes receiving a money transfer initiation request from the receiver and the money...
8510162 Loyalty host interface  
The present invention relates to translating loyalty requests between loyalty clients and loyalty hosts. For example, one embodiment of the present invention provides a method for translating...
8504450 Mobile remittances/payments  
A method and a system for mobile remittance and/or payment are provided. Example embodiments may include receiving a request, at a financial entity and from a first party, to remit an amount from...
8498937 Managing financial accounts associated with residents of controlled-environment facilities  
Systems and methods for managing financial accounts associated with residents of controlled-environment facilities are disclosed. In some embodiments, a method may include receiving information...
8498909 System and method for associating financial transaction data with user's project data in cash transactions  
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...
8498936 One card system  
This invention relates to a novel system which includes a new device (the DEVICE) and a new business process (the PROCESS) that combines multiple cards (for both financial and non-financial...
8490866 Payment card  
The invention enables to improve flexibility, reliability and service life of a payment card having embedded ornamental elements. In order to achieve the technical effect, the device includes a...
8494959 Payment card with dynamic account number  
A payment card comprises a processor, a trigger source coupled to the processor, and a display for outputting at least a portion of a dynamic account number under control of the processor...
8494960 System, program product, and computer-implemented method for loading a loan on a pre-paid card  
Embodiments of the present invention provide systems, program products, and methods of loading a loan on a pre-paid card. A bank receives authorization from a lender to credit loan proceeds from...
8494961 Image authentication and security system and method  
Embodiments of the invention are related to a computer-implemented authentication method and system for authenticating a customer using an electronic device for engaging in a transaction involving...
8485441 System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods  
Embodiments of systems, computer program product, and related computer implemented methods to issue a closed-loop retail prepaid card including a user-designed external face using a chit, the chit...
8489483 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...
8489482 Using commercial share of wallet to rate investments  
Commercial size of spending wallet (“CSoSW”) is the total business spend of a business including cash but excluding bartered items. Commercial share of wallet (“CSoW”) is the portion of the spendin...
8489492 Automated encoding of increment operators  
In one example a method includes: receiving a first input value associated with a first data field; responsive to determining that the first data field is associated with an increment operation,...
8478638 Portable hand-held multi-function device with multiple transaction and reward accounts  
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...
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...
8473414 System and method including chip-based device processing for transaction  
Present embodiments are directed to a server computer. The server computer establishes a first channel of communication to receive payment device data in a first format (e.g., chip type) and...
8473390 Computerized method and system for managing a financial portfolio relative to market volatility  
The system and method for managing a financial portfolio relative to market stability includes determining a first allocation of assets in the portfolio and a level of equity exposure, the...
8473411 Bulk activation of portable consumer payment devices  
Portable Consumer Payment Devices (PCPDs), such as gift cards, can be bulk activated and thereby be made ready to use in a commercial transaction. The bulk activation is provided through a web...
8468094 Electronic value exchange system, mobile terminal, and electronic value exchange method  
An electronic value exchange system 100 comprises a mobile terminal 10 and a mobile terminal 20. The mobile terminal 10 causes a driver 12 to transmit an exchange offer message of electronic value...
8468085 System and method for reporting and analyzing mortgage information  
A reporting and analyzing mortgage information system and method include receiving portfolio information from a lender, presenting the lender with predictive modeling and recapture metrics. The...
8468095 Method for launching an electronic wallet  
A portable electronic device is disclosed. The portable electronic device comprises a contactless communication transceiver configured to provide payment information to a point-of-sale terminal, a...
8468101 Electronic money system and payment accepting apparatus  
An electronic money system and a payment-accepting apparatus that further facilitate the use of cards substituting cash money. The electronic money use fee is computed on the basis of the...
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...