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9043240 Systems, apparatus and methods for mobile companion prepaid card  
Systems, apparatus and methods for providing an un-personalized and un-embossed mobile companion prepaid card to a consumer having a mobile wallet account. An embodiment includes a wallet provider...
9043231 Transaction product assembly with vehicle  
An assembly includes a transaction product and an auxiliary vehicle. The transaction product includes a folded sheet configured to be repeatedly folded and unfolded between a collapsed position...
9037492 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...
9037509 System and method for a mobile wallet  
A computer-implemented method includes capturing an image by a mobile computing device and determining a geographic location and a direction of the mobile computing device while capturing the...
9026459 Online shopping using NFC and a point-of-sale terminal  
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...
9020858 Presence-of-card code for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
9020853 Smart card loading transactions using wireless telecommunications network  
Smart card transactions allow consumers to load value onto and make purchases using smart cards with a mobile telephone handset over the telecommunications network. To load the smart card, the...
9015064 Utilizing a secure element for NFC transactions which includes response data during induction  
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...
9002719 Device and method for building claim assessment  
Disclosed systems and methods automatically assess claims. A device may receive one or more images of a claimed object, such as a building or vehicle, compare the images to reference images and...
8989663 Portable terminal system using a contactless communication unit to enable access to application programs  
A portable electronic apparatus that is disposed to a portable terminal device includes a contactless communication unit, the apparatus comprises a first interface which performs communication...
8985442 One-touch payment using haptic control via a messaging and calling multimedia system on mobile device and wearable device, currency token interface, point of sale device, and electronic payment card  
Provided are computer implemented methods and systems for messaging, calling, and one-touch payments via mobile and wearable devices. An exemplary system comprises a processor and a database in...
8984034 Calculation engine and calculation providers  
A method of acquiring data and performing calculations on the data using a provider service. A provider ticket service (PTS) receives tickets from one or more clients. Each ticket includes a...
8983867 Multi-dimensional credibility scoring  
A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each...
8983866 Automated encoding of delta operators  
In one example, a method includes: receiving a first input value associated with a first data field; responsive to determining the first data field is associated with a delta operation, selecting...
8977569 System and method for providing smart electronic wallet and reconfigurable transaction card thereof  
A smart electronic wallet with reconfigurable multiple-account transaction card is provided. The system and method provide measures for storing a plurality of account identifiers from a plurality...
8977570 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...
8977567 Recordation of electronic payment transaction information  
A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account...
8972146 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...
8972296 Dongle facilitated wireless consumer payments  
Computing systems and methods for facilitating consumer transactions in retail and other establishments include communication interfaces adapted to couple a computing system to a plurality of...
8972298 Merchant category codes in a proxy card transaction  
Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request...
8965781 Online pay-per-use system and method  
Aspects of the invention may involve systems, methods, and computer readable medium. In an embodiment of the invention, a computer-implemented method for paying for usage of a pay per use device...
8965798 Requesting reimbursement for transactions  
Various embodiments are directed to systems and methods for generating and delivering a reimbursement request from a customer of a financial institution. According to various embodiments a...
8959034 Transaction signature for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
8959633 Detecting anomalous behavior patterns in an electronic environment  
The behavior of a group of resources, such as a fleet of servers, can be monitored to attempt to determine a baseline of acceptable behaviors. When a behavior is observed, the baseline can be...
8950666 Banking system operated responsive to data bearing records  
A system includes a plurality of machines that operate responsive to data bearing records such as user cards (74, 76, 78, 80, 82, 84, 86). The machines operate to carry out financial transactions...
8949152 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...
8939360 Providing user information by presenting readable indicia with mobile device  
Embodiments of the invention are directed to systems, methods and computer program products for providing user information to a merchant during a transaction. Embodiments may generate a readable...
8935183 Internet billing method  
The present disclosure may include, for example, a method for facilitating establishment of a remitting agreement between equipment used by a vendor and equipment used by a provider, enabling, by...
8931691 Dynamic payment device characteristics  
A payment device is disclosed. It includes a memory including payment data; and a display coupled to the memory. A processor is configured to execute one or more instructions for displaying the...
8934837 Mobile wireless communications device including NFC antenna matching control circuit and associated methods  
A mobile wireless communications device includes a near-field communications (NFC) transceiver, NFC antennas and an NFC control circuit. The NFC transceiver generates a received signal strength...
8930271 System and method for a mobile wallet  
A computer-implemented system and method for providing offers to a mobile device includes receiving at least one offer from at least one merchant at an offer computer system and determining, by...
8924283 System and method for selectively displaying market information related to a plurality of tradeable objects  
A graphical interface and method are provided for selectively displaying market information corresponding to a plurality of tradeable objects. According to one example method, a scanning feature...
8924293 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...
8924292 System and method for a mobile wallet  
A computer-implemented system and method includes receiving a request to perform a transaction between a user having a mobile device and the user having account at a financial institution and a...
8924246 Systems and methods for mobile payments  
Systems and methods are provided for mobile payments. A financial institution may offer an electronic prepaid card of a merchant for sale to holders of Demand Deposit Accounts (DDA) and/or Line of...
8914306 Systems, methods, and devices for printing debit cards and checks  
The disclosure herein provides system, methods, and devices for generating debit cards. A debit card system for creating a plurality of debit cards comprises a debit card printer, a batch creation...
8914308 Method and apparatus for initiating a transaction on a mobile device  
A method and apparatus that improves the operation of treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be...
8909553 Payment card terminal for mobile phones  
Methods and apparatus, including computer program products, for payment card terminals for mobile phones. In general, data characterizing a payment card and a settlement amount for a transaction...
8909699 Using virtual domain name service (DNS) zones for enterprise content delivery  
A domain to be published to an enterprise ECDN is associated with a set of one or more enterprise zones configurable in a hierarchy. When a DNS query arrives for a hostname known to be associated...
8903425 Method and system for accessing places  
A method for automatic access to a pre-reserved place may operate on a hotel reservation system, which can communicate with a user smart phone application. The method includes receiving a request...
8898088 In-card access control and monotonic counters for offline payment processing system  
Preventing fraud during an offline transaction by encoding a randomly-generated card verification code onto a smart card. The verification code is transmitted to a contactless device during each...
8892121 Device based trigger for location push event  
A software LBS trigger is initiated by a wireless device to request a set of proximate location information points relating to, e.g., points of interest, location tagged blogs, etc., based on the...
8881244 Authorizing computing resource access based on calendar events in a networked computing environment  
An approach for authorizing access to computing resources (e.g., electronic files) based on calendar events (e.g., meetings of a user) in a networked computing environment (e.g., a cloud computing...
8880432 System and method of using electronic funds transfer to complete payment for goods and services  
A system and method of using Electronic Funds Transfer (EFT) to complete payment for goods and services. An example method of operating a transaction terminal includes identifying items selected...
8874481 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...
8868462 Hub and spokes pin verification  
A method for conducting PIN authorized EMV payments using an ordinary mobile phone. The credit card payment is conducted using a merchant's device comprising a card reader and a mobile phone a...
8868048 Apparatus and method for managing electronic transactions  
In some embodiments, an apparatus includes a memory and a processor. The processor is operable to present, in a first region of a display, information associated with a first transaction of a...
8856042 Method, apparatus and program for performing personal authentication and inputting operation instruction on the basis of biometric information including posture information  
A method includes obtaining an image to be compared at the time of use which is intended for comparing biometric information at the time of use of a user, obtaining posture information at the time...
8838481 Method and system for location based hands-free payment  
Certain aspects of a method and system for location based hands-free payment may include a network that comprises a plurality of mobile devices and a plurality of point of sale devices. A first...
8831976 System and method for transacting purchases with a cash vendor using points and a virtual credit card  
System and method that utilizes a participant's points and a single use, virtual credit card account to implement a cash purchase with a cash vendor. The virtual credit card is active for a single...