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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...
8364793 Communication terminal, user data transferring system and user data transferring method  
A first communication terminal is a communication terminal which executes an application using user data which can be output to a second communication terminal, and has a management data making...
8364576 Tradable investment unit  
A tradable investment unit is an inseparable combination of a predetermined quantity of a tradable security together with a put option contract for the predetermined quantity of the tradable...
8364544 Comprehensive online bidding and sales management system for merchant processing services  
A comprehensive online bidding and sales management system and method for merchant processing services of global credit card transactions. Merchants using the system can obtain multiple bid...
8355967 Personal finance integration system and method  
An integration device retrieves credit reports, and/or other financial data that is available from one or more credit sources, for consumers and extracts financial account information from the...
8352323 Conducting an online payment transaction using an NFC enabled mobile communication device  
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of...
8348158 Anonymous transaction card  
A system and method for substantially immediate issuance of transaction cards includes at least one unassigned transaction card including a storage medium having a card number encoded thereupon....
8352368 P2P transfer using prepaid card  
A method and system for making a payment is disclosed. In the method, a Payor can specify an account from which to withdraw funds for the payment and specify an activation code necessary to...
8346639 Authentication of a data card using a transit verification value  
Transaction processing involves receiving data from an access transaction application of a portable consumer device, wherein the received data comprises data from an access transaction data string...
8346663 Method and system of contactless interfacing for smart card banking  
A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface....
8346607 Automatic adjustment of advertiser bids to equalize cost-per-conversion among publishers for an advertisement  
A learning model is built on a combination of advertiser, publisher and user data. The learning model can be applied to all advertisers in an advertising system. The learning model provides...
8341088 Multipurpose electronic payment method and system  
The invention relates to multipurpose electronic payment method and system. The inventive method consists in transmitting (A) from a multimedia terminal (TM) a payment order (MP) issued from at...
8336769 Banking system operated responsive to data read from data bearing records  
A banking system includes automated banking machines that operate responsive to data read from data bearing records. Transactions may also be carried out through communication with local and remote...
8341083 Wirelessly executing financial transactions  
The present disclosure is directed to a system and method for wirelessly executing financial transactions. A payment card includes an interface, a communication module, secure memory, a...
8341084 Method, apparatus, and computer program product for topping up prepaid payment cards for offline use  
A card holder carries out an initial top-up of a balance of a pre-paid payment card. The prepaid payment card is configured for use in an infrastructure in accordance with a payment specification...
8332272 Single tap transactions using an NFC enabled mobile device  
The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons...
8332273 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...
8332323 Server device for controlling a transaction, first entity and second entity  
Server device for performing a transaction in a system having a first entity, such as a POS, a second entity, such as a user having a mobile phone with a digital camera, and a remote server. The...
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...