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7958049 |
System and method for obtaining customer bill information and facilitating bill payment at biller websites
An integrated electronic bill presentment and payment (EBPP) system is disclosed which obtains bills for customers (which include individuals, businesses, and organizations) and allow payments...
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7958029 |
Method for minimizing financial risk for wireless services
A method and system for managing financial risk through the use of postpaid processing during use of wireless services is presented within the scope of the following invention. The present...
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7953663 |
System and method for financial instrument pre-qualification and offering
The invention is related to a system and method for offering a financial instrument to a pre-qualified consumer. Potential consumers are pre-qualified for a variety of financial instruments, which...
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7953268 |
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...
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7953658 |
Systems and methods for processing credit card transactions that exceed a credit limit
A method, system, and computer are disclosed for managing a financial transaction associated with a financial account, wherein the transaction would cause an outstanding balance of the financial...
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7949574 |
Personalized interactive network architecture
A system for personalizing interaction between a user communicating over at least one communication channel and a provider of information/products/services, the user having a communication device...
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7949602 |
Distributed image capture proof-of-deposit system and method of operating a distributed image capture proof-of-deposit system
A method of operating a distributed image capture proof-of-deposit system having a central processing site and a number of branches connected via a network with the central processing site...
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7949176 |
Systems 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...
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7949587 |
Systems and methods for financial deposits by electronic message
An image of a negotiable instrument may be communicated from a user to a financial institution using a messaging application so that funds associated with the negotiable instrument may be deposited...
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7949520 |
Adaptive filter pitch extraction
An enhancement system extracts pitch from a processed speech signal. The system estimates the pitch of voiced speech by deriving filter coefficients of an adaptive filter and using the obtained...
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7945493 |
Creation of pseudo block to assist in system for facilitating trade processing and trade management
A system for facilitating the processing and settlement of securities trades is provided. The system includes a computer which receives trade execution information indicative of an executed trade...
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7941375 |
Internet billing method
A system that incorporates teachings of the present disclosure may include, for example, establishing a billing arrangement with a purchasing customer to permit a third party to charge a billing...
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7941368 |
System and method for electronic transaction settlement
A method for electronic transaction settlement includes a customer providing an account identifier and contact information to a merchant, the merchant contacting a settlement house and transmitting...
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7941373 |
System for electronic transaction settlement
An electronic communication system associated with a settlement house for settling an electronic transaction between a customer and a merchant. The communication system is configured to receive...
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7937307 |
Electronic check presentment system and method having an item sequence capability
A system and method for performing Electronic Check Presentment (ECP) processing. The system and method employ digital imaging techniques to digitally image the physical checks as they arrive...
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7937325 |
Interactive bill payment center
A server on a data network including software for providing a bill payment service for a user comprising a bill-payment module for navigating to the user's multiple data sources on the data network...
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7937320 |
Managed purchasing account for defined commodities
A purchase account may be managed to control purchases made using the account. An account number may be provided at a point of sale. The account number is associated with or includes an identifier...
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7933833 |
Method and system for rapid loan approval
A method and apparatus for rapidly and remotely providing temporary credit to a borrower is provided. In one embodiment, a lender uses as one criterion in approving the temporary credit a minimum...
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7933582 |
Telecommunication system with improved confidentiality
A telecommunications system includes a personal item held by a user of the system, a first means of communication made available to the user and capable of communicating with the personal item and...
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7933834 |
Interactive bill payment center
A software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated...
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7930248 |
Technique for calculating payee specific time to payment completion
A technique for determining a period of time to complete a payment to a payee is provided. The time that each of one or more payments to a payee is issued is stored. Post-issue event information...
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7925588 |
Image based positive pay checking system
A method of processing a check issued by a payor includes creating a check image at a payor location, obtaining positive pay data from the image at the payor location using OCR and transmitting the...
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7921057 |
Automated method and article of manufacture for fully insuring large bank deposits wherein bank that processes a large deposit sends out and receives back an equal amount of large deposits via a network of banks
An automated method and article of manufacture are provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large...
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7917435 |
Apparatus and method for facilitating account restructuring in an electronic bill payment system
A system can have a plurality of participating entities including a plurality of receivers and a plurality of originators. A data file indicative of an account restructuring of a given one of the...
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7917436 |
Internet billing method
An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the...
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7917433 |
Automated process for fully insuring large bank deposits that provides compensating payments between banks that offer different deposit terms
An automated method and computer program product are provided for processing a large deposit that exceeds an established deposit insurance limit so that the large deposit is fully insured. The...
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7912785 |
Video financial deposit
A video of a negotiable instrument may be provided from a user to a financial institution so that an image of the negotiable instrument may be obtained from the video and deposited in a user's bank...
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7904384 |
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...
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7899746 |
Automated method and article of manufacture for fully insuring large bank deposits using a network of banks and a lending bank for providing funds that the network of banks cannot handle
An automated method and article of manufacture are provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large...
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7899747 |
Automated method and article of manufacture for fully insuring large bank deposits via a network of banks using an order matching process to simultaneously process multiple orders from bank customers received at different banks
An automated method is provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large deposits are received from a...
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7899742 |
System and method for facilitating a subsidiary card account
The present invention provides a system and method for providing a flexible limit subsidiary account that may be issued by a Foreign Financial Institution. In particular, the present provides a...
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7899745 |
Automated method and article of manufacture for fully insuring large bank deposits via a network of banks wherein banks pay a fee to a processor that facilitates the network of banks
An automated method is provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large deposits are received from a...
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7899743 |
Method for fully insuring large bank deposits using a plurality of banks that receive portions of each large deposit
An Interbank Deposit Placement System (IDPS) that allows banks participating in the service to offer their customers multiple deposits so that potential deposit (fund) amounts exceeding an...
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7895508 |
Network scanning method and image scanning device having network scan function using the same
A network scanning method and device are provided that allow an image scanning device to scan documents and transmit the scan data to a server. The image scanning device checks a connection between...
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7891554 |
Automated transaction machine system
An automated banking machine (10) identifies and stores documents such as currency bills deposited by a user. The machine then selectively recovers documents from storage and dispenses them to...
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7890424 |
Enhanced demand deposit accounts
A method for adjusting a demand deposit account. The method may comprise the step of structuring the demand deposit account with at least a first balance tier and a second balance tier. The methods...
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7890391 |
System and method for implementing a revenue recognition model
A system and method for implementing a revenue recognition model in an automated environment includes receiving rules, over a communications network, associated with an entity. Information...
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7890426 |
Method and system for verifying check images
In one embodiment, example software is operable to determine a first hash value for an electronic check image, with the check image operable to generate an image replacement document. The hash...
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7883006 |
Card activated cash dispensing automated banking machine authorization system and method
An automated banking machine operates to carry out financial transfers responsive to data read form data bearing records. The machine includes a card reader that operates to read data from user...
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7886066 |
Zero-minute virus and spam detection
Disclosed are systems and methods for detecting unwanted electronic message transmissions on a communications network. These include establishing a database for storing metadata associated with...
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7883007 |
Cash dispensing automated banking machine system and method
Automated transaction machines operate responsive to data read from data bearing records to carry out financial transfers, which can include the dispense of currency notes and the conduct of...
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7881996 |
Method and system for screening financial transactions
Efficiently screening ACH items and providing an indicator of the screening result. Electronic files, which can be in the NACHA file format, comprise ACH items. A gateway operator or an originating...
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7877509 |
Balancing distribution of participants in a gaming environment
Systems for balancing distribution of participants in a gaming environment are provided. In various embodiments, systems of the present invention may include multiple application servers each...
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7877331 |
Token based new digital cash protocols with combined blind digital signature and pseudonym authentication
Digital cash token protocols use a combination of blind digital signatures and pseudonym authentication with at least two pairs of public and private keys. A user is provided with one master pair...
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7873576 |
Financial document processing system
A system for processing deposits and/or withdrawals in a financial institution accepts a plurality of documents, including currency bills, at an input receptacle of a document-processing device,...
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7873572 |
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...
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7870065 |
Money-transfer techniques
A financial institution has a web-based server for use in transferring money between a customer and a beneficiary. A customer, having a client computer, and a credit card, opens a transaction web...
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7870072 |
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,...
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7870070 |
Methods and systems for electronic bill presentment and payment
The present invention provides methods and systems for processing bills for a customer. A request for master data of the customer is received from a first processing module by means of a second...
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7865434 |
Method and system for cross-issuer registration of transaction cards
Disclosed herein is a method of providing one or more transaction card services to a holder of a transaction card, the method comprising receiving a registration code from the holder, wherein the...
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