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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...
8260705 Systems, methods and program products for deposit and withdrawal processing  
A method, system and program product, the method comprising: obtaining a plurality of net credit/debit amounts during a month period; generating data for depositing/transferring funds to or...
8260697 Systems and methods for money fund banking with flexible interest allocation  
This invention provides system and methods for managing accounts of clients at customer financial entities so that deposits of up to $100,000 or greater are insured, so that interest income earned...
8255312 Issuing machine and issuing system  
An issuing system for issuing unmodifiable and/or unforgeable hardcopy documents or securities includes a server and a plurality of issuing machines connected to the server via a network. Each of...
8255500 Remotely configurable user device with physical user resources and interface  
A user device for interfacing predetermined external services provided by third party service providers to a user at a fixed location includes a processing platform running an operating system, a...
8255499 Remotely configurable user device for accessing a distributed transaction system  
A system for interfacing predetermined external services provided by service providers to a user at a fixed location includes a processing platform running an operating system and a plurality of...
8255326 Method and apparatus for mapping sources and uses of consumer funds  
A bill-paying system includes a customer deposit account which receives periodic payroll deposits of an individual or a couple. A bill-paying service enrolls the individual or couple for a fee, and...
8255323 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...
8255330 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...
8250187 Distributed transaction system  
A system for interfacing predetermined services to a user at a fixed location includes a processing platform running an operating system. Also included are a plurality of physical system resource...
8249983 Method and apparatus for managing transactions  
A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or...
8249989 Check cashing at automated teller machine  
A system and method of check cashing at an ATM are provided. In some examples, the system and method may include receiving a check at an ATM that does not include denominations of bills and/or...
8239270 Method for associating financial transaction data with 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...
8239321 System and method for allocation to obtain zero activity in one or more selected aggregated deposit accounts  
A method, program product and system, the method comprising: accessing one or more databases comprising: aggregated deposit account information for a plurality of government-backed insured and...
8231050 Automated banking machine controlled responsive to data bearing records  
An automated transaction machine can operate to carry out a financial transaction for a machine user responsive to communication with a financial transaction host computer. The machine includes a...
8233600 Automated creation of multiple provider services  
A method may include receiving, at a service server, a request for services from a requesting device. The service server may identify one or more service options responsive to the request and send...
8229850 Method and apparatus for managing transactions  
A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or...
8229100 Call prioritization methods in a call center  
According to one aspect of the invention, there is provided a method of allocating calls coming into a call center from a caller location remote from the call center, receiving a call from a caller...
8229816 Intelligent cash recycler remote capabilities  
A method, system, computer program product, and apparatus, or a combination of the foregoing for remotely connecting to an Intelligent Cash Recycler. A user connects to any Intelligent Cash...
8229854 Transaction processing  
A transaction processing system for the real time authorization of payment transactions, The system comprises a verification system (4) connected to an issuer card management system (3). A...
8229815 Transaction range comparison for financial investigation  
Systems and methods for determining the likelihood that a group of transactions may be structured to avoid a limit or reporting requirement, such as a government reporting requirement, are...
8224747 Interactive funds transfer interface  
In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one...
8224726 User interface for tax-return preparation  
A method is implementable in an electronic system coupled to an electronic device, which is, in turn, coupled to a display device. A web page displayable on the display device is served to the...
8214284 Computer system and computer-implemented method for managing funding of catastrophe relief efforts  
A special purpose entity offers a financial product linked to a charitable organization. A monetary donation is made to the charitable organization for paying a premium assigned to the financial...
8201730 Banking system controlled responsive to data bearing records  
An automated banking machine operates responsive to data read from data bearing records to cause financial transfers. The machine includes a card reader that operates to read card data from user...
8201732 Banking system controlled responsive to data bearing records  
An automated banking machine operates to cause financial transfers responsive to data read from data bearing records. The automated banking machine includes a card reader operative to read card...
8200554 Graduated automatic savings  
A method for transferring funds, comprising defining a savings parameter associated with a first financial account and a second financial account, wherein the savings parameter adjusts over time...
8200574 Financing information processing system and method  
A method and system which uses a communication network to facilitate financing-related activities is provided. A list of financing functions is provided to a user terminal across the communication...
8195570 Generation of receipts for check point of sale device  
In accordance with one embodiment of the invention, a system is provided that allows a point of sale device to capture the signature of a check writer at the time a check is presented for ACH...
8190524 Internet billing method  
Equipment of a provider may be operable to establish a billing arrangement with a purchasing customer to charge a billing account associated with the purchasing customer a first amount, establish a...
8185460 Electronic financial translation system architecture  
Aspects of the invention include methods and systems for an electronic financial transaction system with a translation system architecture. Aspects of the invention provide translation methods such...
8180808 Spend data clustering engine with outlier detection  
Disclosed herein is a computer implemented method and system for grouping spend items in a list of said spend items, and for detecting outliers. The spend items entered into the spend database are...
8175953 Prepaid short messaging  
A prepaid messaging solution using open networking standards (e.g., TCP/IP) to support pre-payment of Internet messaging services. The disclosed prepaid architectures/methods determine if a...
8170939 Method and system for building and maintenance watch lists  
A method and apparatus for monitoring a items such as stocks and other securities, suitable for use in portable devices, such as personal organizers, wherein instead of separate watch lists, a pool...
8165962 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...
8156021 Data processing system and method for transmitting of payment advice data  
Systems and methods for transmitting payment advice data from a payment computer system to a payee computer system are provided. An exemplary method may include generating a payment order and...
8156024 Systems and methods for directing disposition of certificate of deposit  
The disposition of funds in a certificate of deposit (CD) may be specified at or near the time the CD is applied for. The depositor may specify disposition of funds such as transferring the funds...
8146805 Systems and methods for depositing cash into deposit account  
A deposit card may be issued to a user that allows the user to go to a merchant and deposit cash into a deposit account of the user using information from the deposit card. The deposit card is...
8145549 System and method for offering risk-based interest rates in a credit instutment  
A system and method for communicating an offer to apply for a credit instrument is provided. A processing allows for processing credit history data. A calculating step allows for calculating a...
8140433 Method for making secure transactions carried out with cards provided with an owner identification number  
The invention concerns a method for carrying out a transaction comprising prior steps of identifying the card by reading its number and authenticating the bearer optionally by writing in the secret...
8135634 System and method for automatic payment of financial obligations  
The present invention is a method for managing funds in anticipation of paying at least two financial obligations, such as an estimated tax payment and a mortgage payment. The due dates and amounts...
8135644 Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment  
One or more methods and apparatus for facilitating financial and player tracking/reward transactions. In one embodiment, a system includes at least one server and a plurality of gaming machines...
8131608 Localizing reports using metadata and multilanguage translations  
A method of developing a report capable of providing information from a local database in a predefined structure to a remote application is discussed. The method includes defining an abstract data...