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9030523 |
Flow-control based switched group video chat and real-time interactive broadcast
Real-time interactive broadcast sessions for client devices include: for each client device in the interactive broadcast session, configuring downstream video and audio ports for the interactive... |
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9011242 |
System and method for determining and acting on a user'S value across different platforms
Individual users may log into the same online game from multiple different social networking platforms. The disclosed technology provides a way to unite users' accounts such that users that have... |
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8972298 |
Merchant category codes in a proxy card transaction
Transmitting category codes to payment instruments in proxy card transactions comprises receiving a first payment request to authorize a proxy card transaction, the first payment request... |
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8930236 |
Electronic incentive methods and systems for enabling carbon credit rewards and interactive participation of individuals and groups within the system
This invention relates generally to electronic commerce (e-commerce) systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via... |
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8909542 |
Systems and methods for managing brand loyalty
A system for tracking brand interactions is provided. The system includes a memory and at least one processor coupled to the memory. The at least one processor is configured to receive information... |
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8898082 |
Network-based consumer transactions with credit accounts
A computer-implemented method and system is operable to: receive a purchase transaction from a purchaser, the purchase transaction including purchase transaction information including a purchaser... |
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8848025 |
Flow-control based switched group video chat and real-time interactive broadcast
Real-time interactive broadcast sessions for client devices include: for each client device in the interactive broadcast session, configuring downstream video and audio ports for the interactive... |
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8825523 |
Electronic coupon system and data mining and use thereof in relation thereto and for use interactive participation of individuals and groups within the system
This invention relates generally to electronic commerce (e-commerce) systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via... |
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8825022 |
Information sharing for third party applications in cellular telecommunication infrastructures
A method, system and computer program product are disclosed for providing content to a communications device. In an embodiment of the invention, a communications network receives a first content... |
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8825522 |
Delivery, organization, and redemption of virtual offers from the internet, interactive-TV, wireless devices and other electronic means
Disclosed are methods and systems for redeeming virtual coupons by associating the coupons with a consumer and a payment system associated with the consumer. In some embodiments, the method... |
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8818849 |
Methods and apparatus to provide incentives to deflect callers to websites
Methods and apparatus to provide incentives to deflect callers to websites are disclosed. Example methods disclosed herein to deflect a caller to a webpage include receiving a call from the... |
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8799065 |
Methods for providing digital incentives including a digital incentives switch for matching transactions and incentives
Systems and methods for providing digital incentives or financial offsets including the steps of: providing a financial platform operable on a server computer and at least one database in... |
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8799060 |
Method for electronic coupon creation, deployment, transference, validation management, clearance, redemption and reporting system and and method for interactive participation of individuals and groups with coupons
This invention relates generally to electronic commerce (e-commerce) methods for the use of systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual... |
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8783561 |
System and method for administering a loyalty program and processing payments
The present invention is directed to a system and method for administration of a customer loyalty program at a point of sale terminal. The system, in one embodiment, contains a database of... |
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8781878 |
Computer method and apparatus for outcome-based pricing of goods and services
The present invention provides a system and method that allow sellers to offer goods and services at prices that vary depending on what transpires during the event or service. The final price is... |
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8781892 |
Digital media benefit attachment mechanism
Particular embodiments of the present invention are related to a digital media benefit attachment mechanism for generating or attaching revenue rights and other benefits to one or more entities... |
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8781961 |
Currency conversion with pre-paid card
A system is provided for a stored-value card account to serve as a platform to transfer funds in alternate currency. A prepaid cardholder may transfer to a recipient in a first currency from an... |
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8781893 |
System and method for managing customized reward offers
In accordance with some embodiments of the present invention, a method is provided for managing reward offers. A first performance target that is associated with a financial account is determined.... |
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8775323 |
Method and system for providing user tailored service using social network service
Provided are a method and a system for providing a user tailored service using a social network service. The method includes at a user terminal, receiving a transaction approval message from a... |
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8775243 |
Electronic coupon creation deployment, transference, validation management, clearance, redemption and reporting system and interactive participation of individuals and groups within the system
This invention relates generally to electronic commerce (e-commerce) systems and media platforms, for use with both mobile and non-mobile systems, to deploy virtual advertising and promotion via... |
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8751295 |
System and method for providing international coupon-less discounts
The systems and methods of the disclosure allow user from various countries to take advantage of offers when they are traveling internationally. Once the purchase associated with the offer is... |
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8738435 |
Method and apparatus for presenting personalized content relating to offered products and services
An apparatus and method use client information to automatically select products appropriate for the client. According to one aspect of the invention, client information, information about the... |
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8737993 |
Systems and methods for providing voice/data communication systems and voice/data communications
System and method for selling, configuring, installing, reconfiguring and servicing integrated voice/data communications systems are disclosed. An Internet/web based portal is provided to enable a... |
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8732002 |
Apparatus and method for rewarding consumers
In order to reward a consumer for trying or learning about a product, the customer is given a unique identification number, preferably an unvalidated ATM readable card, and instructions for... |
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8725577 |
Personalized mobile banking transactions
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of... |
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8725611 |
System and method for providing borrowing schemes
A system and method providing a borrowing scheme. The method comprises the steps of: determining a designated event using the programmed computer processor; determining parameters associated with... |
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8725639 |
Coupling prepaid debit cards to online stored-value accounts
Technologies are described herein for making the value in an online-stored value account accessible through a prepaid debit card. A payment services provider may offer general-purpose reloadable... |
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8725563 |
System and method for searching media assets
A search engine, system and method for locating and rating a plurality of electronic mentions of respective ones of a plurality of brands. The engine, system and method includes a web crawl engine... |
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8725576 |
Remote transaction processing with multiple payment methods using authentication
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of... |
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8725575 |
Remote transaction processing with multiple payment mechanisms
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of... |
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8719158 |
Multi-account payment consolidation system
A multi-account payment consolidation system and process, including a central computer system operatively coupled to a payment terminal through a network connection. A plurality of external... |
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8712879 |
Data portal for concurrent assessment
A method of concurrently assessing a closure status for multiple ledgers may comprise accessing a general ledger and a plurality of subledgers including a first subledger and a second subledger,... |
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8694368 |
Method, system, and computer program product for spend mapping tool
A spend mapping tool provides a system, method, and computer program product for analyzing transactions between merchants and cardmembers. The tool groups a merchant by industry in a merchant... |
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8694380 |
Remote transaction processing using a default payment method and coupons
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of... |
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8676708 |
Methods and apparatus for facilitating a financial transaction
A method is provided for authorizing a financial transaction of a consumer, comprising: issuing a card to a cardholder by a card-issuing financial institution; creating a card account associated... |
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8666805 |
Systems, methods, and media for inducing consumer loyalty
Systems, methods, and media are provided for inducing customer loyalty that are configured to: identify a loyalty account associated with a consumer, wherein the loyalty account is part of as... |
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8663004 |
System and method for determining and acting on a user's value across different platforms
Individual users may log into the same online game from multiple different social networking platforms. The disclosed technology provides a way to unite users' accounts such that users that have... |
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8657197 |
Account application product, associated package and method for processing an associated application
An account application product includes a package, an account identifier and a terms sheet. The package includes a first panel extending from a free edge to a first fold line, a second panel... |
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8639568 |
System and method for a merchant loyalty system
A system and method for implementing a merchant loyalty program is disclosed. The invention includes receiving purchase data, wherein the purchase data comprises a consumer account code, a... |
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8630898 |
Stored value card provided with merchandise as rebate
A system and method for creating a stored value account based on a purchase transaction are provided. An indicia of an identifier to be distributed to a customer at a point of sale as a result of... |
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8620754 |
Remote transaction processing using authentication information
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of... |
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8606678 |
Interactive and collaborative financial customer experience application
Systems, methods, and computer program products are provided for an interactive financial customer experience that allows collaboratively selecting financial products for a customer. The customer... |
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8606662 |
Methods and systems for managing co-brand proprietary financial transaction processing
A method and system for processing a financial transaction using a co-brand proprietary payment card through a multi-party payment card interchange network is provided. The method includes storing... |
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8606632 |
System, method, and computer program product for selecting and presenting financial products and services
An apparatus and method are provided that receive client data for a plurality of clients and financial product data at a processor. The processor prepares a client communication for some of the... |
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8606631 |
Chasing rewards associated with accounts
The present invention is directed to a method for linking accounts corresponding to different products together to create a group so that group processing can be performed at the group level while... |
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8606670 |
Integrated communication solution
Embodiments of the present invention provide methods, systems, and machine-readable media for integrating communications between multiple systems and/or processes related to different aspects of... |
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8589237 |
Online purchase from a mobile device using a default payment method
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of... |
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8589217 |
Advertisement tunes and messages
Disclosed herein is a method and system for generating revenue and sharing the generated revenue. The telecom company acquires advertisements from one or more of a plurality of advertisers. The... |
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8583479 |
Certified promissory payment method for transaction with reward points
Embodiments of the disclosed technology comprise payment for an item (any good or service) to remain in the domain or dominion of a buyer of such an item, while delivering the item to the customer... |
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8583494 |
Processing payments at a management server with user selected payment method
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of... |