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7620603 |
Systems and methods using paperless check 21 items
The disclosure describes 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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7617124 |
Apparatus and method for secure downloading of files
A download processor for secure downloading of a digital product file when ordered by a user. The order includes a file identifier related to the file and an order identifier related to the order....
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7613659 |
System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
Herein is described a tokenless biometric method for processing electronic transmissions, using at least one user biometric sample, an electronic identicator and an electronic rule module...
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7613658 |
Methods and systems for redeeming a stored-value card
A reloadable debit card system includes an issuing institution whereat a main account is set up and multiple sub-accounts are established thereunder. Each sub-account corresponds to a respective...
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7613639 |
Secure and recoverable database for on-line value-bearing item system
An on-line value bearing item (VBI) printing system that includes one or more cryptographic modules and a secure database is disclosed. The secure database includes account balances and other...
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7610216 |
Method and system for detecting fraud
A system and method for detecting fraud when facilitating a payment transaction over a global wide area network. The method comprises receiving a sale information, receiving a payment information...
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7606763 |
Systems and methods for improving auction liquidity
Systems, methods, apparatus, and means for improving liquidity in a securities auction include selecting a cover to use to provide general liquidity to the auction, the cover having a plurality of...
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7603472 |
Zero-minute virus and spam detection
Disclosed in this application are systems and methods for detecting unwanted electronic message transmissions at a certain location on an electronic communications network. The disclosed principles...
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7603316 |
Message delivery delegate system and method
The present invention provides major improvement with respect to electronic transaction reporting and processing by providing advance asynchronous confirmation of a transaction to a consumer while...
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7603315 |
Self-service terminal
A self-service terminal ( 14 ) is described The terminal is associated with an organization ( 18 ) having individuals ( 36 ) under its supervision, each individual having a sponsor, whereby the...
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7600676 |
Two factor authentications for financial transactions
The present invention relates to a method for authenticating financial transactions by using an additional factor which is not present on a physical card, and which is not used in sequential...
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7599888 |
Electronic confirmation to debit or credit an account
A method for processing a check transaction includes receiving transaction information that is transmitted by a terminal; determining eligibility of the transaction for payment via a bank account;...
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7596530 |
Method for internet payments for content
A method, in different embodiments, is provided to construct on-line, off-line, or hybrid internet payment systems that allow a vendor to sell physical or digital products or services to a user....
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7594605 |
Credit card transaction servers, methods and computer program products employing wireless terminal location and registered purchasing locations
A credit card transaction authorization method includes receiving information concerning a prospective remote credit card transaction with a credit card, obtaining location information from a...
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7594027 |
Data access using a machine-readable card
A communication system is disclosed comprising a communication network and a communication device. The communication device reads machine-readable information from a card, wherein the information...
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7593901 |
System and method for improving reliability of distributed electronic transactions
A system and method are disclosed that separate control functionality from the management functionality for conducting electronic transactions. The control functions are performed by a third party...
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7593714 |
Communication services payment method and system
A method ( 10 ) of payment of communication services includes determining ( 14 ) if a request ( 12 ) for services is an essential service or non-essential service, determining ( 19 ) if a device...
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7587366 |
Secure information vault, exchange and processing system and method
A system and method for providing an information vault so that individual owners of personal data may control and manage the access and dissemination of the personal data and provides for the owner...
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7587348 |
System and method of detecting mortgage related fraud
Embodiments include systems and methods of detecting fraud. In particular, one embodiment includes a system and method of detecting fraud in mortgage applications. For example, one embodiment...
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7584147 |
System for identifying an individual and managing an account
The present invention provides a method for managing an account for an unidentified individual by communicating with the unidentified individual who is using a device to communicate which transmits...
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7584127 |
Methods and apparatus for updating credit bureau data
Methods and apparatus to update credit bureau data are disclosed. The methods and apparatus provide a credit reporting transport server that stores credit information sent by the credit data...
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7584109 |
Long term disability overpayment recovery service with provision of medical services and medical products
A method of obtaining Social Security disability benefits for uninsured individuals and providing medical services and medical products during the pendency of a claim for the Social Security...
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7580891 |
Method and system for assisting in the identification of merchants at which payment accounts have been compromised
A method and system for identifying merchants at which payment accounts (e.g., credit card accounts) have been compromised. A set of “pre-fraud” payment accounts is first identified, the...
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7578438 |
System and method for user selection of fraud detection rules
A system and method for establishing fraud detection rules system includes a first transaction card through which access to monetary funds is extended and a database associating said transaction...
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7577615 |
Automated banking machine configuration system and method
An automated banking machine ( 10, 70, 146 ) is operative to enable a plurality of authorized software components ( 80 ) to be selectively configured. The machine may be provided with either an...
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7577614 |
Cash dispensing and check accepting ATM and method
An automated banking machine system and method includes ATMs which accept checks and dispense cash to users. The ATMs are operated to acquire image and magnetic data from deposited checks to...
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7577612 |
Self service terminal
A self-service terminal ( 14 or 114 or 214 ) and a system ( 10, 100, 200 ) including a plurality of networked self-service terminals are described. Each terminal ( 14, 114, 214 ) has a simple...
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7577609 |
Method and apparatus using digital credentials and other electronic certificates for electronic transactions
A method for performing electronic transactions, comprising receiving a long-term certificate, authenticating a user associated with the long-term certificate, and then sending a short-term...
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7575157 |
Fraud protection
Systems and methods are illustrated for providing enhanced fraud protection. Aspects of the fraud protection system may be implemented by a filter that may be configured to detect fraud in a...
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7574405 |
Apparatus and method for verifying source of funds regarding financial transactions
A system, method, apparatus, means, and computer program code that facilitate verification of a source of funds for payment to an account, including receiving payment information associated with...
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7571142 |
Credit card system and method
A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use...
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7568615 |
Electronic transfer of hard currency
A method and system is described for person-to-person and person-to-entity cash-transfer via ATMs. Beneficially, at the system endpoints (cash in, cash out) the remitter and receiver can each...
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7565319 |
System and method for creating trade-related annotations in an electronic trading environment
A client terminal displays a trading screen interface and an annotation interface in relation to the trading screen interface. The annotation interface allows a trader to enter trade-related...
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7562814 |
System and method for identity-based fraud detection through graph anomaly detection
A method for identifying a fraudulent account application includes receiving a new account application comprising a plurality of identity-related fields and linking the identity-related fields...
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7555458 |
Method of billing a purchase made over a computer network
A method of effecting a sale over a computer network in which it is determined whether a user passes fraud control before effecting a sale over a computer network. Information associated with a...
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7552866 |
System and method for transferring a financial transaction account according to predetermined criteria
Migration of a first type of financial transaction instrument to a second type of financial transaction instrument is beneficial when the first instrument no longer is suitable for an account...
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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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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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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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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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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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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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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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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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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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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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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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