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7552072 |
Compensation of data item processing
A data processing method, apparatus, computer program product, and service for assuring timely execution of compensation for non-transactional work which is carried out in a transaction under which...
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7548886 |
System and method for early detection and prevention of identity theft
A system and method for early detection of identity theft are provided. An authorized user establishes an identity with an organization's computing system and registers a mobile device and a...
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7549046 |
Method and system for vehicle authorization of a service technician
A vehicle authenticates a service technician and accesses a technician database to determine whether the service technician is indicated as authorized to perform the service operation. If the...
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RE40753 |
Method and system for conducting business in a transnational E-commerce network
The invention presents a method and system for processing the purchase of products, goods and/or services, more particularly, to a method and system for processing the purchase by a buyer of...
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7546945 |
System and method for managing transactions
Systems and methods for managing transactions associated with accounts of an individual are described. A method for managing transactions includes receiving information associated with the...
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7542993 |
Systems and methods for notifying a consumer of changes made to a credit report
A system and method for monitoring unauthorized changes to a database and providing a notification to a user according to preferences set by the user. The user can select one or more data entries...
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7539646 |
Financial payment systems and methods using paperless Check 21 items
Exemplary embodiments provide a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The...
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7537153 |
Method and computer program product for electronically managing payment media
A method of electronically managing payment media, includes the steps of: (i) determining an amount of payment media dispensed from a payment media dispensing device, based on electronic...
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7533806 |
Reading of image data bearing record for comparison with stored user image in authorizing automated banking machine access
A system and method is carried out in connection with a card actuated automated banking machine. Image data read by a card reader from a card is compared to image data stored in an authorized...
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7536353 |
Secure transaction processing system and method
A processing system and method for processing purchase orders between a purchaser and a merchant across a public network. The processing system including a purchaser account database for storing...
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7536352 |
Tokenless biometric electronic financial transactions via a third party identicator
A method and device enables tokenless authorization of an electronic payment between a payor and a payee using an electronic identicator and a one payor bid biometric sample. The payor registers...
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7533805 |
Data bearing record based capture and correlation of user image data at a card reading banking system machine
Based on user image data read by a card reader from a user card, a banking system machine can be used to carry out a transaction. Image data read by the card reader is compared by a computer to...
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7533047 |
Method and system for securing card payment transactions using a mobile communication device
A method and system for securing card payment transactions using a mobile communication device provides improved security in card payment transactions such as credit and debit card transactions....
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7533060 |
System and method for optimal selection of payment authorizations in complex commerce systems
A system and method for optimal selection of payment authorization in a complex commerce system is presented. A commerce system uses an algorithm to select an optimum payment authorization for a...
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7523857 |
ATM with security sensing system for cash dispenser customer interface gate
An automated banking machine operates in response to data read from user cards and dispenses cash to authorized users. The machine includes at least one processor which controls various banking...
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7520430 |
Multiservice merchant gateway
A multiservice merchant gateway (MMG) allows point of sale terminals and other devices to be interfaced with a wide area network, thereby improving speed and service to terminal owners and users,...
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7519554 |
Processing binary options in future exchange clearing
Systems and methods are disclosed for processing binary options (also referred to as digital options) in existing clearing systems, such as futures clearing systems. The binary option is treated,...
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7519557 |
Method and system for verifying use of a financial instrument
Methods and systems for verifying that a registrant is authorized to use a particular payment instrument are presented. A registering service initiates one or more verifying transactions involving...
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7513418 |
Systems and methods for performing a simplified risk assessment
Systems and methods are provided for a simplified risk assessment for a promissory transaction when sufficient historical transaction information exists for the check writer. In an embodiment, a...
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7516091 |
System and method for electronic settlement using keyboard having multiple card identification and charging functions
An electronic settlement system/method includes a keyboard having multiple card identification and charging functions. The electronic settlement may include charges with a smart card, an RF card,...
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7512564 |
System for effecting the payment of paper and electronic financial instruments received at a payment facility
A system for expediting the deposit, settlement and submission into the payment system for collection of funds represented of commingled paper and electronic financial instruments that are received...
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7512566 |
System and method for using a stored value account having subaccount feature
A stored value account includes a general stored value field and may include at least one stored value sub-field. The sub-field may represent a category and include category-specific benefits...
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7509289 |
System and method for single event authorization control of transactions
Controlling the authorization of financial transactions, such as credit card transactions. Financial institutions and businesses can establish accounts for employees that have an authorization...
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7500602 |
System for increasing the security of credit and debit cards transactions
A system for facilitating a commercial transaction by a consumer includes a card or electronic storage device which includes a first number for identifying a financial account of the consumer and a...
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7499888 |
Transaction authentication system and method
A transaction security and authentication apparatus and system for electronic commerce which provides authentication of internet purchases by communication with a cardholder's base computer, or by...
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7496537 |
User-generated traveler's checks
A system and method for issuing traveler's checks at a user's home or business using the purchaser's own computer system to allow the user to obtain traveler's checks at any time, in any...
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7493284 |
Using visual images transferred from wireless computing device display screens
Within a wireless computing device, a method of conducting commerce can include receiving a user input in the wireless computing device specifying an account to which a proposed transaction is to...
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7483858 |
Network-based system
A transaction settlement system and method for internet and other trading over a telecommunications network. Customer computers and merchant computers are connected to customer account servers and...
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7475040 |
Return item early notification and return
A method, and system for processing electronic return items, the method comprising: receiving directly or indirectly from a plurality of different payor banks a plurality of different electronic...
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7472829 |
Payment card with internally generated virtual account numbers for its magnetic stripe encoder and user display
A payment card comprises an internal virtual account number generator and a user display for online transactions. Offline transactions with merchant card readers are enabled by a magnetic array...
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7475240 |
System and method for add-on services, secondary authentication, authorization and/or secure communication for dialog based protocols and systems
In an authentication system, a first computer system provides a desired service and a second computer system provides a dialog-based interactive protocol service (e.g., an instant messaging...
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7469224 |
Real-time point-of-sale change-of-address processing
The present invention provides the ability to solicit and obtain updated information about a customer or person. The present invention can be incorporated into a service provision system and thus,...
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7461028 |
Method and system for authorizing use of a transaction card
A method for authorizing purchases by an owner of an account previously established with a bank where the owner wants to purchase an item from a merchant. The method including the step(s) of: (i)...
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7441699 |
Output terminal, data output system, and data output method
An output terminal has an electronic data item receiving unit, an identification code receiving unit, a determination unit, and an output unit. The electronic data item receiving unit receives an...
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7444676 |
Direct authentication and authorization system and method for trusted network of financial institutions
A system and method for direct authentication and/or authorization of transactions. The system includes a trusted Digital Identity (DID) Network connecting an Originating Participating Financial...
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7444305 |
Methods of coordinating products and service demonstrations
This invention relates to the methods of coordinating product and service demonstrations. An event coordinator directs event operators to conduct a product or service demonstration event. The event...
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7440923 |
Method and apparatus for preauthorizing electronic fund transfers without actual written authentication
A method and apparatus for preauthorizing electronic fund transfers from a consumer's bank account without obtaining actual written authentication from the consumer is implemented in connection...
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7440924 |
Method and system for processing financial instrument deposits physically remote from a financial institution
A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to...
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7431201 |
System and method for managing requests to document archives, routing requests and delivering requests to a variety of channels or delivery mechanisms
An Archive Interface Manager (AIM) can provide a common interface between the image delivery channels and image archives. AIM handles requests and fulfillment of queries and images between the...
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7433845 |
Data structure, method and system for generating person-to-person, person-to-business, business-to-person, and business-to-business financial transactions
The delivery of a secure method and system of generating person to person, business to business, business to person and person to business transactions involving transfer of funds from one party...
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7430306 |
Methods and apparatus to verify identity using biomorphic information
A method of verifying the identity of a user by comparing a biomorphic sample from the user with a stored biomorphic pattern of the user, without access to an online database of encoded biomorphic...
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7427017 |
Method and system for collecting bank account information from an individual and authenticating the individual prior to allowing the bank account to receive an electronic fund transfer
A computer-implemented method for collecting bank account information from an individual and authenticating the individual prior to allowing the bank account to receive an electronic fund transfer...
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7428511 |
Electronic business transaction system
A center site is disposed to intervene in a business transaction achieved through a network. The center site includes an open business information database in which open business information...
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7427019 |
Biometric identification system, method and medium for point of sale environment
Embodiments of the present invention provide a biometric identification system, method and product for facilitating a transaction in a point of sale environment. In one embodiment, the biometric...
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7418397 |
Witness system
A witness system using EDI (electronic data interchange) to perform efficient distribution and account settlement processes between selling and buying companies. A buying company makes documents...
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7418426 |
System and method providing rules driven subscription event processing
The subject innovation relates to a system and/or methodology that provides an automated and dynamically responsive infrastructure to support online subscription services. The system coordinates...
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7415442 |
Integrated technology money transfer system
Money transfer system authorizing an escrow agent computer electronically by touch-tone telephone, computer modem, P.O.S.(point of sale) terminal, live operators, to send cash transfers from a...
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7412420 |
Systems and methods for enrolling a token in an online authentication program
An online transaction system configured to implement authentication methods that allow for strong multi-factor authentication in online environments. The authentication methods can be combined with...
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7409553 |
Public key certificate generation method, validation method and apparatus thereof
A public key certificate generation method includes the steps of: sending a certificate issuing request including a registration contents of a public key certificate and an information content...
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7401730 |
Self-service deposit method and apparatus
A self-service deposit terminal for bank notes, in the deposited notes are subjected to an acceptance procedure in which the deposited notes are passed through a note validator and a decision is...
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