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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...
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...
8370232 System and method for back office processing of banking transactions using electronic files  
As banking transactions are processed by a bank teller, all of the relevant information with respect to the transaction (e.g., dollar amount) is captured in an electronic file. Each of the...
8370257 Print system for outputting transaction statement  
A print system allowing a user to obtain a transaction statement in a safe and easy manner is provided. For this purpose, a print system includes: a banking terminal; and a digital multi-function...
8364590 Motion based payment confirmation  
Methods and devices for confirming payment transactions are provided. In one embodiment, an electronic device may include a graphical user interface (GUI) with one or more graphical elements that...
8364582 Credit score and scorecard development  
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance tra...
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...
8364567 Secure platforms for financial transaction applications  
Systems, methods, and computer program products are provided for a secure platform for conducting financial institution transactions. A game console platform is defined that provides for both...
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...
8359269 Internet billing method  
Equipment of a provider performs operations including facilitating establishment of first communications between the equipment of the provider and equipment of a purchasing customer to establish a...
8359266 Method and system for an inter-financial institution transactional network  
Systems and methods for conducting transactions across financial institutions are presented. More specifically, in one embodiment a financial transaction center may be provided such that...
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...
8352364 Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages  
A method of performing financial transactions between users of Summa accounts, each Summa account including an electronic messaging system that provides for crediting and debiting at least one...
8346660 System and method for two-way transfer of funds and electronic content between summa account users with gathering of behavioral metrics and management of multiple currencies and escrow accounts  
A method and system for creating a pre-defined electronic transactions is disclosed. the system comprises a server in communication with a database and a computer network, and the server is...
8346662 Desktop alert with interactive bona fide dispute initiation through chat session facilitated by desktop application  
A consumer installs a desktop application on a computer which renders a user interface on the computer's desktop. Upon installation, the desktop application is registered to receive offers and...
8346664 Method and system for modifying financial transaction categorization lists based on input from multiple users  
A system and method for modifying financial transaction categorization lists based on input from multiple users whereby, when a given user of a computing system implemented financial management...
8341027 System and methods of conducting business-to-business operations by registered sellers and buyers using an internet accessible platform  
An internet accessible computer system to conduct business to business operations among a plurality of buyer companies and a plurality of seller companies. In one embodiment, the system includes at...
8341082 Systems and methods for providing multiple entities with access to account information  
A user may log into a system containing data pertaining to a jointly owned funding account of which he is a co-owner. The user may view information directed to the jointly owned funding account,...
8341076 Automatic overdraft attached to prepaid debit card accounts  
A system for managing financial accounts includes one or more account holders. An account holder data structure is associated with one or more financial accounts. The financial accounts are defined...
8335300 Personalizing computerized customer service  
A method for improving user satisfaction with automated response computer driven systems is provided. In one embodiment the automated computer system utilizes a Web browser accessing at least a Web...
8332313 Methods and systems for exchanging and/or transferring various forms of value  
Methods and systems for exchanging various forms of value, including coins, currency, credit, debit, and/or bank account funds, for prepaid cash cards, credit cards, phone cards, and the like. In...
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...
8332319 Personal teller system for remote interactive and personalized banking  
Systems and methods for providing personalized services to remote customers using personal teller machines (PTM) from a centralized call center. The customer initiates the transaction providing...
8326015 Methods for mobile image capture and processing of documents  
The present invention relates to automated document processing and more particularly, to methods and systems for document image capture and processing using mobile devices. In accordance with...
8326757 Emerging market banking system  
A banking system for emerging market countries which includes a central flow control apparatus or system, is disclosed. The central flow control apparatus permits securitization of future flows...
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...
8321349 Methods of operating a self-service check depositing terminal to provide an acknowledgement receipt  
A method is provided of operating a self-service check depositing terminal to provide an acknowledgement receipt. The method comprises identifying a depositor, receiving one or more checks from the...
8321343 Managing transaction accounts  
A transaction account verification system and method are provided. A user computing device transmits an account registration request that includes a selection of an account verification technique....
8313020 Automated banking machine operated responsive to data bearing records  
An automated banking machine operates responsive to data bearing records such as user cards. The machine is operative to accept financial checks. The arrangement enables a card-based deposit at a...
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...
8311942 Method and system for payment of a bill  
A method for paying a bill includes receiving a bill notification email directed to a user, scanning the bill notification email to gather, from the bill notification email, bill information that...
8311936 Credit score and scorecard development  
Share of Wallet (“SOW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumers spending capability, tradeline history including balance tra...
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...
8306914 Offsite financial account onboarding  
Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services businesss business electronic system to request...
8306510 Person to person virtual cash transfer transaction using mobile phones  
A person to person cash transfer transaction method using mobile phones comprising the steps of: —sender sends a transfer command to the recipient containing the transfer amount, sender's PIN and t...
8301563 Emerging trends lifecycle management  
A process (and corresponding system) that defines sequential steps for the introduction, validation, and testing of business applications of emerging technologies, for example mobile banking...
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,...
8296236 Centralized check image storage system  
Centralized check image storage system. The present invention provides for sharing check images stored in a substantially centralized storage system between and/or among banks in support of the...
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...
8290839 Computer driven simulator and optimizer for distributed capture implementation  
A computer-implemented system to simulate, analyze, and optimize the financial aspects of a banking institution's plan to convert existing depository locations to distributed capture technology.
8285640 System and methods for facilitating fund transfers over a network  
In accordance with embodiments of the present disclosure, systems and methods for facilitating financial transactions over a network include communicating with a financial institution over the...
8280809 Linking a financial card with a merchant account  
Some embodiments include systems and methods for linking a card with a merchant account. A financial institution that issues the merchant card to a merchant acts as both issuer and acquirer for the...
8280785 Financial account manager  
A method for managing financial accounts, comprising obtaining a data item, a first account, and a second account, generating a plurality of change requests comprising the data item, sending the...
8271588 System and method for filtering fraudulent email messages  
Systems and methods for filtering fraudulent email messages are described. In one embodiment, a method includes receiving an email message, determining whether the email message is indicative of...
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...
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...
8260692 Online safety deposit box inventory system  
Embodiments of the invention provide systems, methods, and computer program products for an online safety deposit box inventory management system. A customer may securely log into the customer's...
8260707 Automated teller machine transaction queue  
Methods and a system for performing an automated teller machine (ATM) transaction using a queue are disclosed. A user may first initiate an ATM transaction from a networked device to create a...