Entries |
Document | Title | Date |
20080201258 | Process for Managing Domain Name Registrations - Domain names are registered with a domain name registration service for an indefinite period in exchange for a lump sum payment from the domain name registrant. The domain name registration service registers the domain name in the name of the domain name registrant and the domain name registration is kept active so long as the domain name registrant keeps the lump sum payment with the domain name registration service. If the user cancels the indefinite-period domain name registration, the lump sum payment is returned to the user minus any applicable penalties for early cancellation. | 08-21-2008 |
20080201259 | Method and Apparatus for Conveying the Right to Broker Real Property Transfers - A method of doing business to refer the right to broker the sale of real property is disclosed. Additionally, methods and systems to measure the value of the business are disclosed. The methods and systems include determining the value of the properties and determining the value of the right to broker the properties on a networked based computer system as well as a single personal computer. | 08-21-2008 |
20080208735 | Method, System, and Computer Program Product for Managing Business Customer Contacts - In an enterprise where a database maintains multiple accounts for business customers, a method, system, and computer program product correctly links accounts which are associated with a common business. Business identification information from one or more external data sources is obtained and the format of the business identification data is standardized. Data records of business accounts are compared according to a plurality of rules for matching one business account to another. When two business accounts are found to match according to the business matching rules, a common identifier is applied to both business accounts to flag the two accounts as being associated with the same business entity. One or more hierarchy rules are applied to accounts associated with a common business, to establish a hierarchy among the accounts for purposes of marketing and other business communications. | 08-28-2008 |
20080208736 | SYSTEM AND METHOD FOR SETTLING TRADES IN A DIGITAL MERCHANT EXCHANGE - A system and method for settling trades in a digital merchant exchange includes a buyer, a seller, a transaction agent, a network and a capital pool. The buyer and seller communicate through the network to agree on a contract. When the goods are received or the services are performed, the buyer issues a negotiable instrument that is received by the transaction agent. The transaction agent communicates with the buyer, seller, and capital pool through the network and facilitates the settlement of the trade. The system may call upon the capital pool to provide liquidity so that the system can issue payment to the seller at a time prior to the maturity date of the negotiable instrument. | 08-28-2008 |
20080208737 | Funds Transfer Method and Apparatus - A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a common account holder. The withdrawal and deposit of assets may be initiated after analyzing multiple accounts of the account holder and determining whether an adjustment of funds among the multiple accounts would benefit the account holder. A debit instruction is used to initiate the withdrawal of assets and a credit instruction is used to initiate the deposit of the withdrawn assets. The withdrawal and deposit of assets can be implemented using one or more payment networks, debit networks, or a wire transfer between the two financial institutions. | 08-28-2008 |
20080215483 | System and method for the enablement of electronic commerce in a content network - An apparatus customizes electronic received information and facilitates electronic transactions with an individual consumer. The apparatus includes a consumer database for storing consumer profiles information corresponding to the individual consumer and a transaction database for storing transaction related information corresponding to individual commercial partners, including target content markers. A first computer program in communication with the databases modifies the electronic information received to include the consumer profile information stored in the consumer database which corresponds to the transaction-related target content markers in the electronic information. A second computer program in communication with the consumer database automatically monitors consumer interaction and automatically monitors consumer interaction and automatically updating the consumer profile data based on the interactions. | 09-04-2008 |
20080215484 | ENHANCED TRANSFER FRAMEWORK FOR SOURCE OR PROCESS VERIFIED PRODUCTS - An enhanced transfer framework for source or process verified products, in which, from disparate selling entities, event data is received certifying that animals separately processed by the disparate entities each satisfy requirements associated with source or process verified animal products, and the animals are aggregated for sale as a group of certified source or process verified animals. As the group, the sale of the certified source or process verified animals is effected to a purchasing entity, the event data that identifies the disparate selling entities is filtered out, and the filtered event data is transferred to the purchasing entity. | 09-04-2008 |
20080222030 | METHOD AND SYSTEM FOR PURCHASING PRODUCTS VIA TEXT MESSAGING - A method and system including distributing a keyword, and receiving a text message from a device through a carrier with the keyword to purchase a product. The carrier adds a purchase price of the product to the purchaser's wireless service bill and the product is distributed to the purchaser external to the device. | 09-11-2008 |
20080222031 | Method and system for fee payment for automotive services - The present invention provides a system and method for fee payment for automotive facilities, the system comprising: a facility gate unit having a user interface enabling a user to enter a user code, the facility gate unit enables entrance of the user to a respective automotive facility after entering the code; and a transaction server to receive from the facility gate unit the code entered by a user and to produce instruction to debit the user for the respective automotive facility service fee based on user identification, the transaction server is further to receive at least one payment instruction, and to provide confirmation that the fee was fully paid, wherein the facility gate unit enables exit from the respective facility after receiving the confirmation. | 09-11-2008 |
20080228636 | PURCHASING USING A PHYSICAL OBJECT - Using a user interface to allow payment for physical or virtual goods to be made through a physical object. A method may be practiced in a computing system including a user interface. The method includes detecting a payment physical object, and payment capabilities associated with the payment physical object. User input is received. The user input includes at least one of physically dragging a physical object to the detected physical object, or graphically dragging the physical or a virtual object to the detected payment physical object by dragging a graphical representation of the physical or the virtual object to the detected payment physical object. Payment for the physical or virtual object is facilitated using the payment capabilities associated with the payment physical object. | 09-18-2008 |
20080228637 | SPENDING AND SAVINGS SECONDARY LINKED ACCOUNTS - Embodiments describe a method and a system to link a secondary account to a primary account with an account management module associated with the primary account and to control access to funds in the secondary account with respect to a secondary account holder through the account management module. The secondary account includes a spending account and a savings account. | 09-18-2008 |
20080228638 | METHOD AND SYSTEM OF CONTROLLING LINKED ACCOUNTS - Embodiments describe a method and a system to link a secondary account to a primary account and to control transfer of funds from an outside source to the secondary account. In an additional embodiment, the secondary account includes an dependent source portion controlled by an account management module and an independent source portion controlled only by a secondary account holder management module. In another additional embodiment, the account management module includes an account suspension feature to enable suspension of the secondary account. | 09-18-2008 |
20080228639 | System and Method for Providing Prepaid Language Interpretation Services - A method is provided. The method provides a user with a prepaid account with a predetermined number of units for language interpretation service. Further, the method provides a live language interpretation service, through a telephone call, to the user. In addition, the method deducts one or more units from the predetermined number of units in the prepaid account based on a duration of the telephone call in addition to any units deducted by a telephone service provider for telephone service based on the duration of the telephone call. | 09-18-2008 |
20080228640 | Method and system for a digital automated exchange - A method and system exchanges assets defined as digital automated equities which are objects instantiated with attributes of an asset. Digital automated equities are registered on a common system exchange as offeror mediary objects and matched by comparing their attributes. Capital exchange offer objects define desired matches by identifying a digital automated equity associated with an exchange offer, a exchange price for the exchange and one or more conditions associated with the exchange. A match use case compares attributes of capital exchange offers to determine matches based on the closeness of the capital exchange offers and a negotiate transaction use case supports communication between owners associated with close capital exchange offers to alter attributes in response to a match. Once a transaction is complete, a settle transaction use case exchanges the digital automated equities. Digital automated equities may include a variety of assets, including intellectual property such as patents and trademarks, business plans, stock and confidential information. Further, the present invention provides a secure format for exchange of confidential information in stages. | 09-18-2008 |
20080228641 | METHOD AND SYSTEM FOR CREDIT CARD REIMBURSEMENTS FOR HEALTH CARE TRANSACTIONS - According to one embodiment, the present invention relates to a method and a system for reimbursing credit card transactions for health care services and/or products. An exemplary method and system may involve registering a user for reimbursement wherein the user identifies one or more payment mechanisms and one or more reimbursement methods; identifying a user transaction with the one or more payment mechanisms at a merchant wherein the user transaction comprises one or more purchases; receiving merchant data regarding the user transaction; determining reimbursement eligibility of the one or more purchases of the user transaction based at least in part on the merchant data; and reimbursing the user for eligible purchases via the one or more reimbursement methods. | 09-18-2008 |
20080235132 | Transactional Device With Anticipated Pretreatment - The invention concerns a transactional device comprising a station ( | 09-25-2008 |
20080235133 | Native American Land Leasing - The present invention enables a tribe to bring in outsiders to build on its land and gain the benefits therein without losing the rights associated with the land. This enables tribes to expand their land use beyond casinos to create business parks, license banks, etc. Indian reservation can become high growth areas due to their low regulation and tax, becoming like Hong Kong and free trade zones. | 09-25-2008 |
20080235134 | Worldwide Money Express Service - Worldwide Money Express Service contemplated herein is a business method that provides a door-to-door cash delivery service to its Users through a network of independent licensed drivers who receive cash daily from the service provider and physically deliver the amount requested by the Users to them in person wherever they may be at any point in time and the service provider electronically or physically deducts the amount plus fees from the User's bank or other account before or after the cash delivery is completed. | 09-25-2008 |
20080243683 | Mechanism for secure rehosting of licenses - In one embodiment, a licensing authority receives a rehost ticket indicating proof of removal of a license from a first device. The licensing authority receives a request for a license for a second device. The licensing authority validates the rehost ticket to ensure that the license on the first device has been removed from the first device. The licensing authority provides a license for the second device if the rehost ticket is successfully validated, wherein the license that has been removed from the first device and the license for the second device provide the same license capabilities. The first device and the second device are associated with the same customer. Payment has been received for the license associated with the first device but payment has not been received for a separate license capable of being applied to the second device. | 10-02-2008 |
20080243684 | Method and apparatus for funding a transaction - The present invention provides a method and system for pooling commitments. The commitments may be made by different persons from different locations at different times. The commitments are pooled and used to fund a transaction. | 10-02-2008 |
20080249926 | COLLECTION AND RESERVE SYSTEMS AND METHODS - Methods, systems, and machine-readable media are disclosed for handling unfunded financial transactions. According to one embodiment, information related to a transaction can be received. One or more rules can be applied to the information related to the transaction and a determination can be made as to whether payment of the transaction is doubtful based on application of the one or more rules. Applying the one or more rules to the from a set of rules based on a source of the information related to the transaction, a type of the transaction, identity of one or more parties to the transaction, or other information related to the transaction. In response to determining that payment of the transaction is doubtful, a portion of an account receivable corresponding to the transaction can be written off. | 10-09-2008 |
20080249927 | REMITTANCE RECIPIENT/SENDER NAME ON SENDER/RECIPIENT MONTHLY STATEMENT - A method includes receiving at an issuer computer at least one message relating to a funds transfer routed to the issuer computer by a payment system. The message(s) include information indicative of the name of an individual who initiated the funds transfer. The issuer computer is operated by or on behalf of an issuer of payment card accounts. The funds transfer is credited to a payment cared account issued by the issuer to a recipient of the funds transfer. A periodic statement is generated concerning transactions charged or credited to the recipient's payment card account. The periodic statement includes an entry for the funds transfer. The entry includes the name the individual who initiated the funds transfer. Similarly, the name of the recipient of a funds transfer may appear on the periodic payment card account statement for a sender of the funds transfer. | 10-09-2008 |
20080249928 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DESIGNATION OF RECIPIENT BY MOBILE TELEPHONE NUMBER - A request is received for a funds transfer. The request includes a destination telephone number. The destination telephone number is translated into a destination payment card account number. The funds transfer is routed as a payment transaction using the destination payment card account number. | 10-09-2008 |
20080249929 | PAYMENT CARD BASED REMITTANCE SYSTEM WITH DELIVERY OF ANTI-MONEY LAUNDERING INFORMATION TO ORIGINATING FINANCIAL INSTITUTION - A payment system receives, from a first financial institution, a request for a funds transfer. The request originates from a sender who has an account with the first financial institution. The payment system routes the funds transfer to a second financial institution for the benefit of a recipient. The payment system receives, from the second financial institution, the recipient's name and residential address. | 10-09-2008 |
20080249930 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company. | 10-09-2008 |
20080249931 | ELECTRONIC PAYMENT SYSTEMS AND METHODS UTILIZING DIGITALLY ORIGINATED CHECKS - The present invention provides a digitally originated check (DOC) through an electronic payment system (EPS) which captures payor metadata instructions regarding the intended payment to a payee. The metadata is stored in a database or the like for further processing instead of printing a paper check. The EPS is operable to clear the DOC through either paper or electronic Check 21 mechanisms. | 10-09-2008 |
20080249932 | INDEX-LINKED NOTES WITH PERIODIC COUPONS SUBJECT TO A TRIGGERING EVENT - Index-linked notes with periodic coupons subject to a triggering event, and accompanying methods, are described herein. In some instances, exemplary notes allow a purchaser to purchase a note and receive periodic coupons returned on the note as long as a triggering event does not occur. Assuming that the triggering event does not occur, the purchaser may receive these coupons until the note reaches maturity. Payment of the periodic coupons may cease, however, when a triggering event (e.g., the purchaser's death) does occur. In addition, the amount of the periodic coupons are tied in some manner to a financial index, such as the Bloomberg index, the S&P 500, or the like. | 10-09-2008 |
20080255987 | Composite Settlement System - Provided is a composite settlement system, including: a card; a terminal; and a management server, the card being capable of connecting to the management server via the card terminal, for storing management information on a card holder; the card terminal being capable of connecting to the card and the management server, the management server being capable of connecting to the card terminal and a computer of a financial institution, in which each of at least two business entities is allowed to execute a transaction and settlement with the financial institution based on an instruction issued from the card terminal connected to the card, whereby it is possible to improve convenience of a user by eliminating the need for carrying a plurality of cards different between business entities. | 10-16-2008 |
20080255988 | INTERACTIVE MEMORIALS - A memorial center is configured to receive a notification, where the notification includes identification information. The memorial center is further configured to authenticate the identification information contained in the notification, thereby creating authenticated data. The memorial center is further configured to receive a request to provide the authenticated data to a designee, and further configured to provide the authenticated data to the designee. | 10-16-2008 |
20080262963 | System and method for developing innovations through establishment of corporate entities - A method of developing a product idea through establishment of a corporate entity is disclosed. The method comprises screening one or more new product ideas against a number of predetermined criteria to identify a filtered product idea which meets the predetermined criteria, establishing a portfolio corporate entity having share capital, assigning intellectual property rights in the filtered product idea to the portfolio corporate entity, and controlling the portfolio corporate entity while the filtered product idea is subject to product development. | 10-23-2008 |
20080262964 | NETWORK BASED USER-TO-USER PAYMENT SERVICE - A network-based payment service and site provides various features for facilitating user-to-user payments. One such feature enables users of the payment service to create pay boxes, or other types of payment objects, that can be incorporated into externally hosted web pages and used to make payments. In some embodiments, the payment objects enable users to make payments directly from the externally hosted web pages. | 10-23-2008 |
20080262965 | SYSTEM AND METHOD FOR PROCESSING PAYMENT OF PROPERTY TAXES BETWEEN MULTIPLE PAYORS AND MULTIPLE MUNICIPALITIES - A centralized computing system receives a payor data file that comprises records having data for property taxes owed by a payor to all of multiple municipalities and to receive a municipality data file from each of the multiple municipalities that comprises records having data for property taxes owed to the municipality by the payor. Included within each of the records of the payor data file is data that identifies a given one of the multiple municipalities and the centralized computer system uses this data to parse the payor data file into multiple parsed data files—each corresponding to one of the multiple municipalities. Each of the multiple parsed data files is then validated and corrected as appropriate considering the data within its corresponding one of the municipality data files. As the data within the records of each of the multiple parsed data files is determined to be valid, the system functions to issue notification that the property taxes may be paid | 10-23-2008 |
20080270297 | Gathering Information from a Financial Website - This document describes tools capable of gathering information from websites of financial institutions. In some embodiments, the tools gather financial statements by automatically navigating through a website for each entity of a group. The tools may then download and save into a single batch all of the financial statements for the group. | 10-30-2008 |
20080270298 | Altering Card-Issuer Interchange Categories - This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions and the accompanying potential fee savings. In some embodiments, the tools receive parameters for interchange categories and transaction information for merchants that have been charged interchange fees based on some of these categories. The tools may determine, based on these parameters and transaction information, parameter changes that enable similar credit-card transactions to be assigned a lower-cost interchange category and the accompanying potential fee savings. | 10-30-2008 |
20080275813 | Systems and Methods to Provide Connections for Real Time Communications and Commerce - Systems and methods to connect a seller to a customer according to a request received from the seller. One embodiment includes a session border controller to interface with a packet switched network, and one or more servers coupled to the session border controller to receive from a seller a request for a connection to a customer for real time communications between the seller and the customer, to establish the connection for real time communications between the seller and the customer in response to the request received from the seller, to identify payment information of the customer, and to charge the customer on behalf of the seller using the payment information for a transaction made over the connection established in response to the request received from the seller. | 11-06-2008 |
20080275814 | Data transaction profile compression - Techniques for compressing data transaction history profiles are disclosed. Such profiles can include a plurality of profile variables with each profile variable comprising a real number that provides a factor for determining whether a proposed data transaction is indicative of fraud. A bit string is generated for each profile variable in the profiles that characterizes a first value plus a second value. The first value is equal to a mantissa for the real number corresponding to the profile variable. The second value is equal to a number of orders of magnitude above a minimum required expressed as multiples of the number of orders magnitude required to represent the plurality of real numbers in each the plurality of transaction history profiles divided by a range of bits. The generated bit string is stored as compressed profile variable within the data transaction history profiles. Related systems, apparatus, methods, and/or articles are also described. | 11-06-2008 |
20080275815 | CROSS-ENVIRONMENTALLY RELEVANT ITEM COMPLEXITY MANAGER FOR CARBON REDUCTION, RENEWABLE ENERGY, ENERGY EFFICIENCY AND POLLUTION REDUCTION - Methods and systems for facilitating exchange of rights associated with environmentally relevant items are provided. The methods and systems may include identifying a carbon reduction credit as an environmentally relevant item recognized by a jurisdiction associated with a first type of environmentally relevant action, identifying a renewable energy credit as an environmentally relevant item recognized by a jurisdiction associated with a different type of environmentally relevant action, identifying an energy efficiency credit as an environmentally relevant item recognized by a jurisdiction associated with a different type of environmentally relevant action, identifying a pollution reduction credit as an environmentally relevant item recognized by a jurisdiction associated with a first type of environmentally relevant action and providing a cross-environmentally relevant item complexity manager module by which a user can manage actions relevant to all of the types of environmentally relevant items. | 11-06-2008 |
20080281753 | HANDLING OF ACH PAYMENT REJECTIONS SYSTEMS AND METHODS - Methods, systems, and machine-readable media are disclosed for processing financial transactions. According to one embodiment, a method for processing financial transactions prior to a collection of payment for the transactions can comprise receiving information related to a plurality of transactions from a party to the transactions. One or more rules can be applied to the information related to the plurality of transactions. The one or more rules can define dispositions of the payment for the transactions to provide for collection of fees associated with the transactions. Payment for the transactions can be handled based on applying the one or more rules. | 11-13-2008 |
20080281754 | SYSTEMS AND METHODS FOR FACILITATING AFFILIATE-BASED TRANSACTIONS - Enhanced methods, systems, and techniques for facilitating affiliate-based transactions are provided. Example embodiments provide an Affiliation Facilitator System, which generates and provides reference rewriter code modules based on affiliations between content providers and target sites. In some embodiments, a reference rewriter code may execute on a client computing system to automatically modify content provided by a content provider that is affiliated with one or more target sites. In some cases, the reference rewriter code may modify links that refer to designated target sites to refer instead to designated affiliation facilitators. The designated affiliation facilitators may then track accesses to the target sites and provide compensation to the content provider based on the tracked accesses. This abstract is provided to comply with rules requiring an abstract, and is submitted with the intention that it will not be used to interpret or limit the scope or meaning of the claims. | 11-13-2008 |
20080281755 | SYSTEM AND METHOD FOR PROVIDING COMMERCIAL KITCHEN VENTILATION - A business method utilizing a Principal Entity to provide Commercial Kitchen Ventilation (CKV) systems including components such as hood and duct systems direct to owners of food service facilities. In one example, Principal Entity selects members of a contractor network, provides or arranges CKV instruction leading to CKV installer certification for members supports a continuing certification instruction program and facilitates CKV licensing of certified members by governmental code agencies. The Principal Entity may further create a business conduit facilitating participation of CKV component manufacturers in training that may lead to additional certifications of contractors as certified installers and/or servicers of manufacturer's components. The business conduit example may also provide tools and business systems to combine the purchasing power of members through the Principal Entity to facilitate the transfer of products and services between manufacturers, members and/or owners at greatly reduced costs yet with enhanced levels of service and code compliance. | 11-13-2008 |
20080288395 | Method and apparatus for payment retrieval and review collection - A method for conducting a review including the step of detecting a payment request from a vendor; generating a review based on the payment request; and, transmitting a reference to the review to a customer, wherein the reference provides a link to retrieve the review. A system for performing the method is also described. | 11-20-2008 |
20080288396 | System and Method For Combined Reconciliation Of Co-Branded Card Promotion And Settlement Of Private Label Card Accounts - A system and method for combined reconciliation of co-branded card promotion and settlement of private label card accounts are disclosed. According to one embodiment, the method may include (1) establishing a first relationship with a merchant for promotion of a credit card, the first relationship including at least one merchant compensation term; (2) establishing a second relationship with the merchant for the administration of the merchant's private label credit card transactions, the second relationship including at least one issuer compensation term; (3) receiving a first financial information related to the first relationship; (4) receiving a second financial information related to the second relationship; and (5) determining an account balance for the merchant based on at least one of the first information, the second information, the at least one merchant compensation term, and the at least one issuer compensation term. According to another embodiment, the system may include a server in communication with an issuer, a merchant and a bank card network. The server may receive a first financial information related the merchant's promotion of a credit card and a second financial information related to the merchant's private label credit card transactions. The system may further include a database that stores merchant compensation terms and issuer compensation terms. The system may also include a processor that determines an account balance for the merchant based on the first information, the second information, the at least one merchant compensation term, and/or the at least one issuer compensation term. | 11-20-2008 |
20080288397 | Systems and Methods For Updating Remittance Data For Payees - Systems and methods for updating remittance information associated with a payee are disclosed, where a service provider receives updated remittance information associated with a payee and identifies a database entry associated with the payee that includes preexisting remittance information. The updated remittance information is then stored in association with the database entry as a potential replacement for the preexisting remittance information. A determination is then made as to whether a threshold value has been reached, where the threshold value is associated with a count of the number of times the updated remittance information has been previously received. Upon determining the threshold value has been reached, the preexisting remittance information is replaced with the updated remittance information in the database. The remittance information may include a payee's address or other information useful in directing a payment to the payee. | 11-20-2008 |
20080288398 | Cash sweep account platform system and method - An integrated banking transaction services (IBTS) module receives an instrument from a client to initiate a brokerage transaction between a broker-dealer and an investment firm. The IBTS module transmits a notification message to a broker-dealer that the instrument was presented. The IBTS module receives a confirmation message from the broker-dealer that includes information as to whether to pay the instrument. If the instrument is to be paid, the IBTS module transmits information associated with the brokerage transaction to a sub-accounting engine. | 11-20-2008 |
20080294548 | Fee-Based Distribution of Media Based on Device Proximity - Embodiments of the invention provide techniques for commercial transactions for the sale of images carried out over short-range wireless transmissions. In one embodiment, the transaction may be initiated by a vendor (e.g., a professional photographer), who transmits a wireless signal including an offer for sale of an image. A customer wishing to purchase the image responds by sending a wireless signal including an acceptance of the offer. In another embodiment, the transaction may be initiated by a customer, who transmits a wireless signal including a request for an image to be fulfilled by a vendor. A vendor agreeing to supply the image responds by sending a wireless signal including an acceptance of the request. By offering the images to customers who are in close proximity to the image capture, the vendor may increase the likelihood that the images will be purchased. | 11-27-2008 |
20080294549 | PROCESSING ELECTRONIC TEARSHEETS - In some implementations, a computer-implemented method includes receiving an offer to pay for advertising to be run in a printed publication according to offer parameters that include a publication time; receiving an acceptance to run the advertising according to the offer parameters; receiving, at a submission time, an electronic tearsheet, the submission time being after the publication time of the advertising; and charging a corresponding advertiser a first amount and paying a corresponding publisher a second amount when the submission time is within a first predetermined period of time of the publication time and when a challenge to the electronic tearsheet has not been received from the advertiser within a second predetermined time after the submission time. The electronic tearsheet can evidence publication parameters associated with the advertising that was run in the printed publication. | 11-27-2008 |
20080294550 | METHOD OF PRESERVING RAINFOREST - A method of preserving land in which a large parcel of land is acquired. The land is divided into small sections referred to as tiles and these tiles are advertised for sale. Interested users purchase tiles via a website. Thereafter, the website delivers a printed deed and a preferably a satellite photo bearing indicia, such as the purchaser's name or photograph. The tile sales company can use profits from tile sales to buy more land and equipment. | 11-27-2008 |
20080294551 | Cross-Border Remittance - Systems and methods for cross-border payment of accounts, and other remittance, resulting from provision of goods and services via a trusted agent. In particular, the invention provides systems, methods, and computer programming useful in making, accepting, and processing safe and reliable electronic payment of such debts. The invention is also useful in prepayment for goods and services such as pre-paid telephone or other communication cards and accounts. In some embodiments, such systems and methods proceed in real-time. | 11-27-2008 |
20080301039 | SYSTEM AND METHOD FOR FAIR-SHARING IN BANDWIDTH SHARING AD-HOC NETWORKS - Systems and methods for fair-sharing in bandwidth sharing ad-hoc networks. A method includes maintaining a borrower account and lender account of a borrower and a lender of an ad hoc network. The method also includes adjusting at least one of the borrower account and the lender account based upon data transfer by the lender for the borrower. | 12-04-2008 |
20080301040 | SYSTEMS AND METHODS FOR EVALUATING FINANCIAL TRANSACTION RISK - Methods and systems are provided for evaluating the risk of conducting financial transaction such as money transfers through representatives. In one embodiment, information generated by a money transfer system regarding a plurality of financial transactions conducted by one or more representatives are received, records of the information are stored in a transaction database, a risk processor is configured to access the transaction database and retrieve risk element data related to transactions conducted by the representative and an analysis of the risk element data is performed using the risk processor. The risk processor may be configured to process the risk element data into one or more risk element values and to calculate a Transaction Risk Index for the representative by comparing one or more of the risk element values to an appropriate risk proxy. | 12-04-2008 |
20080301041 | Method and system for processing financial transactions using multiple financial accounts - Associating multiple existing financial accounts with a multi-card account. The single multi-card account may allow a cardholder to determine an order for processing a financial transaction among the multiple financial accounts. This ordering may be dependent on the type of financial transaction. Also, the cardholder may allows partial payments from multiple financial accounts, such that a single purchase could be allocated to multiple accounts associated with the multi-card account. These systems and methods minimize the number of cards a cardholder must carry, thus minimizing the chance of losing cards or otherwise having an unauthorized use of an account and also minimizing the chance of an embarrassing rejection of a transaction. | 12-04-2008 |
20080301042 | System and method for categorizing credit card transaction data - A system and method employs a categorized list of business names to identify a category corresponding to transaction information, such as credit card transaction data. | 12-04-2008 |
20080301043 | System and methods for managing debit card account settings - A method includes receiving, from a remotely located computer, information identifying a durational spending limit corresponding to a debit card used by a bank customer, and causing an authorization request to be declined responsive to the durational spending limit and to an amount spent via the debit card during a time period corresponding to the durational spending limit. | 12-04-2008 |
20080301044 | Gift card reimbursement system and method - A method for purchasing goods and services in transactions utilizing a valued card includes issuing to a card owner from an issuing institution a valued card pursuant to an agreement between the card owner and the issuing institution. The valued card has a purchase value. The valued card is transferred to a recipient having authority to purchase goods and services utilizing at least a portion of the purchase value. The card owner is reimbursed a percentage of a remaining balance of the purchase value at an expiration date pursuant to the agreement. | 12-04-2008 |
20080301045 | SYSTEM AND METHOD FOR FACILITATING ENGAGEMENT AND COMMUNICATION BETWEEN A COMPANY AND A RECRUITING FIRM - A system to facilitate engagement and communication between a company with an available position and at least one recruiter includes a server coupled to a computer network, a user interface for co-workers at the company coupled to the server over the computer network and a plurality of co-workers post information to the server about an available position of the company, including a bounty, receive information from the server about candidates for the available position of the company, and select a candidate on the server for the available position, and a user interface for recruiters coupled to the server over the computer network and a plurality of recruiters receive information from the server about an available position of the company and submit information to the server about a candidate for the position of the company. | 12-04-2008 |
20080301046 | Methods and systems for making a payment and/or a donation via a network, such as the Internet, using a drag and drop user interface - The invention provides methods and systems that facilitate and expedite electronic transactions between a computer readable medium user (“Payor”), and a merchant or payee (“Payee”), including payment through the Internet. The invention allows the Payor to make a payment to a Payee of an exact desired amount using a drag and drop graphical user interface control, dragging from a graphical element displayed on the Payor terminal and dropping into a Payee's visual display on a website. The invention reduces the complexity and the time of the payment transaction, improving the user overall experience. The invention can be implemented for online commerce, for mobile payments, for small amount online payments, for online donations, or for payments using prepaid accounts. The invention can be implemented by an accounts issuer institution or by a funds and transactions managing entity. | 12-04-2008 |
20080313074 | Business model that brings new technology to market in a rapid, cost effective manner - A system, model and method for commercializing a consumable product used in capital equipment by selling the consumable product in a first sale directly to a builder of capital equipment integrally with the sale of the capital equipment at a first price then making a second sale of the consumable product through a different sales path at a second price to a purchaser and/or operator of the capital equipment such that the second sale at the second price is sufficient to cover the development costs of the consumable product and generate a profit for a supplier of the consumable product. | 12-18-2008 |
20080313075 | PAYMENTS-DRIVEN DYNAMIC FIREWALLS AND METHODS OF PROVIDING PAYMENTS-DRIVEN DYNAMIC ACCESS TO NETWORK SERVICES - A machine-implemented method of providing dynamic access to network services may include receiving a request from a client for a type of network service, monitoring an amount and type of network service being provided to the client, and receiving incremental payments from the client for the network service being provided as the network service continues to be provided. The method may include dynamically modifying access to the network service for the client based on a set of rules. The rules may be based on one or more of the monitored amount of network service, the type of network service, and the payments received. | 12-18-2008 |
20080313076 | DOWNSTREAM CORRESPONDENT FOREIGN EXCHANGE (FX) BANKING - Systems and methods that enable real-time (or almost real-time) foreign exchange (FX) pricing via retail branch networks, wire room operations and cash management platforms are provided. Essentially, the systems and methods decouple the FX-infrastructure and enable downstream banks to effectively and efficiently access FX transaction services and infrastructure without the need to locally manage such an FX platform. In doing so, an FX generation component is employed in connection with standard downstream mechanisms to provide necessary information to a partner FX processing component. The partner FX processing component conveys information to the downstream environment while shielding the downstream entity from risks and costs involved in FX operations. | 12-18-2008 |
20080313077 | System and method for coordinating charitable contributions - A system and method allows charitable organizations through banking partners to calculate, collect and distribute monetary donations provided by financial institutions based on those institution's credit or debit cardholders who have opted to make monetary donations to beneficiaries based on their card usage. The process of making monetary donations by individuals who wish to make such donations is thereby automated and simplified, thus encouraging frequent donations. A donation amount is a simple to understand fixed amount times the aggregate number of transactions made using the card. | 12-18-2008 |
20080319898 | Donation System - A donation system that would encourage registered individuals to make small contributions to a charity or political campaign (or cause of their choice) as well as facilitate the process of doing so. The system provides a central location for all donation activity and works as a “contribution bundler” to empower those otherwise disempowered in the political marketplace. The system also acts as a “Civic Marketplace” that gives citizens a central location to turn to for civic information. The system provides safety features for registered users. | 12-25-2008 |
20080319899 | SYSTEM AND METHOD FOR ELECTRONICALLY EXCHANGING VALUE AMONG DISTRIBUTED ENTITIES BASED ON ELECTRONIC MAIL ADDRESSES - A system and method for facilitating a value exchange transaction. A first party initiates the transaction by selecting or providing an identifier of another party and the value to be exchanged. The second party may be identified by a pre-existing identifier such as an electronic mail address, telephone number, etc. The system informs the second party of the transaction (e.g., using the specified pre-existing identifier). If the second party is not a registered user of the system, he or she is invited to register and complete the transaction. The system may comprise a synchronization server for exchanging transaction details with users' devices, a communication server for registering new users and/or conducting transactions online and a financial server for interacting with external financial institutions. | 12-25-2008 |
20090006247 | Services for Billing and Management of Consumable Resources - Provided are systems and services for billing and managing on-demand access to consumable goods and services. The system allows a user to consume resources via an application on a computing device by connecting to a service and requesting access to the resource based on a stored balance associated with a user ID and resource ID. If it is determined by the service that the user has the rights to access the resource, then access to the resource may be granted via the application. If it is determined by the service that the user does not have the rights to access a resource, a right to access the resource may be purchased from the service. | 01-01-2009 |
20090006248 | Transfer of Title Through Intermediary - Disclosed are novel tools (including, without limitation, systems, methods and software) to facilitate the sale of items of property and/or for providing title transfer services that ensure that the purchaser of the items of property (real or personal) receives adequate title to the property. In an aspect, the tools can serve as a clearinghouse for the various components to the transaction (e.g., receiving payment from the buyer, confirming that any security interest in the property has been paid off, informing the various parties to the transaction of the transaction's status, etc.). | 01-01-2009 |
20090006249 | PROCESS OF AND SYSTEM FOR ADVANCING CREDIT FOR CASH COLLECTIONS - A process for providing bank credit to retailers for cash collections that are carried out during retailers' normal business operations. The process entails a retailer collecting cash over a period of time, such as over a single or multiple business days, generally in exchange for goods and/or services, depositing the collected cash into one or more electronic safes disposed at the retailer's location or locations, calculating at a designated time, such as the end of day at each location, a total amount of cash that has been deposited into the retailer's safes over such period of time, and electronically transmitting data files that identify the calculated total amounts of cash accepted by the retailer over the period of time. The retailer is credited, for example, by a bank, with the total cash deposits as reported by the electronic safes at the end of each business day. The process advantageously makes funds readily available and improves cash flow to retailers who take-in cash as part of their normal business operations. | 01-01-2009 |
20090006250 | METHODS AND SYSTEMS FOR TRACKING AND REPORTING FINANCIAL TRANSACTIONS - This disclosure describes, generally, methods and systems for tracking and reporting multiple financial transactions. The method may include initiating a financial transaction by a user at an interface. The financial transaction may include multiple transactional steps. The method may further include generating notifications corresponding to the plurality of transactional steps. A first notification may be configured to indicate to the user that payment for the transaction has been initiated. A second notification may be configured to indicate to the user that the transaction has been processed and released for payment, and a third notification may be configured to indicate to the user that the transaction's funds have been made available. | 01-01-2009 |
20090012894 | FINANCIAL ARRANGEMENT AND METHOD FOR ACQUIRING AN ASSET - A system and method of acquiring an asset by a purchaser. The method begins by a purchasing entity purchasing an asset. A contractual relationship between the purchasing entity and the purchaser is then established. The purchaser agrees to pay a periodic fee to utilize the asset and equity is built by the purchaser in the asset by conducting specified transactions. The purchaser pays periodic fees, thereby allowing utilization of the asset. The purchaser conducts the specified transactions with a partnership entity affiliated with the purchasing entity. Equity is then built in the asset by the purchaser by conducting the specified transactions. Total ownership of the asset is transferred from the purchasing entity to the purchaser when the equity equals a specified amount. Additionally, transaction fees may be incurred by the partnership entity to the purchasing entity for each specified transaction. The asset may be any valuable item, such as a home, vehicle or other real or personal property. | 01-08-2009 |
20090012895 | SYSTEM AND METHOD FOR CREATING AND PROMOTING A CAUSE AND PROCESSING PAYMENTS FOR THE CAUSE BY UTILIZING SOCIAL NETWORKS - The invention is a system and method for system and method for creating and promoting a cause and processing payments for the cause by utilizing social networks, and in particular, a social network, for example, a highly interactive on-line community, where individuals, representatives, or organizations, may securely conduct fundraising activities, raise awareness, and promote events. By injecting an application that may be virally distributed in a highly interactive on-line community and linking application users to a specially designed website, individuals, representatives, or organizations, may securely conduct fundraising activities, raise awareness, and promote events to a greater audience, thus achieving higher efficiency in a developing virtual environment. | 01-08-2009 |
20090012896 | SYSTEMS AND METHODS FOR AUTOMATED VENDOR RISK ANALYSIS - Systems and methods for automated vendor risk analysis are described. In one described method for automated vendor risk analysis, an analyzer receives payment transaction data associated with a vendor, compares the payment transaction data to a plurality of vendor fraud control measures, identifies the vendor or transaction associated with the payment transaction data as potentially fraudulent, and generates a notification regarding the potentially fraudulent vendor or transaction. | 01-08-2009 |
20090018954 | A MOBILE WIRELESS FINANCIAL INSTRUMENT - The specification and drawing figures describe and show computer implemented financial data apparatus that includes a mobile wireless communications instrument. A data processing system is operatively connected to the mobile wireless communications instrument. A plurality of user programmable sets, of instruction executable by the data processing system is provided. The combination of the mobile wireless communications instrument and plurality of user programmable sets of instruction executable by the data processing system allows a user to conduct selective financial transactions, such as making payments in connection with a plurality of payment instruments across a credit network, and conducting a variety of other financial transactions across any number of networks and databases. | 01-15-2009 |
20090018955 | METHOD AND APPARATUS FOR PROVIDING USER ACCESS TO PAYMENT METHODS - The illustrative embodiments described herein provide a computer-implemented method, apparatus, and computer program product for providing user access to payment methods. The process generates a set of recommended payment methods in a set of payment methods to form a recommendation. The set of recommended payment methods are recommended to complete the transaction. The process provides the recommendation to a user on a user interface. The process provides the application for the user to apply for the right to use the recommended payment method on a user interface in response to a determination that a recommended payment method in the recommendation is presently unavailable to the user. | 01-15-2009 |
20090018956 | PERIODIC E-MAIL DELIVERY OF BANK ACCOUNT INFORMATION - A computer-based banking method including the steps of (1) creating an account for a customer into which funds may be deposited and from which funds may be paid upon request to designated payees; (2) allocating funds deposited by the customer to the account; (3) transferring funds upon request from the account to designated payees subject to fund availability, wherein the allocated funds are debited by amount of funds transferred to provide a lowered account balance against which future transfers are evaluated; and (4) automatically sending a periodic e-mail to the fund depositor with information including the lowered account balance. Accounts in which monthly itemized statements are generated that may be accessed by the customer using their home personal computer are also disclosed. | 01-15-2009 |
20090024519 | TRANSACTION PRODUCT WITH SEPARABLE PIECES - A transaction product includes a substrate and an account identifier. The substrate defines a plurality of pieces separable from a remainder of the substrate. Following separation of the plurality of pieces from the remainder of the substrate, the plurality of pieces are configured to be assembled with one another to define a three-dimensional object. The account identifier is attached to the substrate and links the transaction product to at least one of an account and a record, wherein the account identifier is machine readable by a point-of-sale terminal. Stored-value cards, combinations, methods of facilitating use of a transaction product and other embodiments are also disclosed. | 01-22-2009 |
20090030836 | STORED VALUE TRANSACTION SYSTEM INCLUDING AN INTEGRATED DATABASE SERVER - An integrated database and information server are provided that efficiently share information and tasks between various stored value programs. A server is configured to provide reusable objects and data structures that are suitably shared between various stored value products. A database at the server allows data to be shared between various programs so that each consumer associates with only one database record even though that consumer may use multiple shared value products. By integrating modules and avoiding duplicate records, the record communicates with all stored value programs, so the information does not need to be repeatedly entered into the database. Moreover, new stored value products are quickly and easily created through selection and arrangement of various shared objects preferably maintained within the database. | 01-29-2009 |
20090037324 | METHOD AND APPARATUS FOR CURRENCY EXCHANGE - A method for exchanging funds between currencies. The method comprises receiving a plurality of requests to exchange funds from one currency to another currency, the plurality of requests comprising a first request to exchange first funds of a first party in a first currency for funds in a second currency, and a second request to exchange second funds of a second party in said second currency for funds in said first currency. The plurality of requests are stored in a queue. A request is selected for processing from said queue based upon queue processing data, wherein the selected request is the first request. Data indicating a match between said first and second requests is generated. At least part of said first funds of said first currency is transferred directly from said first party to said second party. At least part of said second funds of said second currency is transferred directly from said second party to said first party. | 02-05-2009 |
20090037325 | Offline and online affiliate sales network - A method of marketing a merchant's goods and/or services including the steps of registering each of a merchant, a publisher, and a consumer's payment vehicle with a network, such that each time a publisher causes a consumer to use a registered payment vehicle to purchase goods and/or services from the merchant, the merchant pays a first fee to the network and the network pays a second fee to the publisher. The network may also keep a portion of the first fee for itself. The network or the publisher optionally sends a portion of the fee back to the consumer. The entire method can be practiced either on-line, off-line or via a combination of both on-line and off-line. | 02-05-2009 |
20090037326 | Virtual Card Selector for a Portable Electronic Device - A portable electronic device ( | 02-05-2009 |
20090037327 | METHOD AND SYSTEM FOR THE ANONYMOUS EXCHANGE AND VERIFICATION OF ELECTRONIC FILES IN ESCROW OVER A COMPUTER NETWORK - A method and system for exchanging electronic files, such as digital images, digital documents, and/or digital audio files, via an escrow transaction. The method allows two transaction partners to store electronic files on a third party system and then grant each partner access to the files of the other partner only after both partners agree. The two partners can review partial information about the electronic files that is sufficient to determine if the files contain the expected data, but insufficient to derive meaningful information about said data. Instead of electronic files, it is also possible for one of the partners to provide payment in various forms in exchange for the electronic documents provided by the other partner. | 02-05-2009 |
20090043691 | SYSTEM AND METHOD FOR GATHERING, PROCESSING, AUTHENTICATING AND DISTRIBUTING PERSONAL INFORMATION - Various embodiments of this invention are directed towards a system and method for gathering, processing, authenticating and distributing personal information. Various embodiments of the invention disclose a system and method for gathering personal information from a plurality of sources and making the information available for entities that wish to evaluate or screen the individual. Various embodiments of the invention allow the individual to selectively grant permission to the various evaluating entities on specific background information that is stored within the system. Various embodiments allow the individual to submit information and finance the collection of information, whereby the individual can check the information for accuracy and collect commissions based on the access of the information by requesting entities. | 02-12-2009 |
20090043692 | Downloading of Content - Desired content may be selected from a content server and added to a wishlist or a shopping list. If the desired content is added to a wishlist, a receiving device other than the device from which the selection(s) were received may be identified or selected. The receiving device may be identified based on capabilities of the receiving device (e.g., ability to play music or video). A sample of the desired content may be selected, generated and/or customized based on the capabilities (e.g., resolution, storage capacity) of the receiving device. The sample may then be transmitted to the receiving device at a predefined time or once specified conditions have been met. Content added to a shopping list may be purchased by a user and downloaded to a selected device. The selected device may be the device on which the content was selected or an alternate device. | 02-12-2009 |
20090043693 | System and Method for Licensing Fee Distribution - A method, machine-readable medium and system for distributing licensing fees are described. According to one embodiment, the system includes: a content presentation system comprising a server coupled to content presentation terminals to present content; a means for receiving licensing fees from a licensee of the content presentation system; a means for distributing a portion of the licensing fees into a licensing fund; a means for tracking cumulative times each content is made available over all of the content presentation terminals in a period; a means for tracking total cumulative time for all the interactive programs over all of the content presentation terminals in a period; and a means for distributing a share of the licensing fund to each of the licensors of the content, the share of the licensing fund based on the fraction of the cumulative time for the corresponding content divided by the total cumulative time. | 02-12-2009 |
20090043694 | SYSTEM AND METHOD FOR INTEGATING DIGITAL RIGHTS MANAGEMENT INFORMATION AND PAYMENT INFORMATION - One embodiment provides a system of distributing digital content from a first party to a second party over a network. The system includes an interface to receive by the second party from the first party a digital content package including a digital content and its header. The header provides Digital Rights Management (DRM) information and payment information for the digital content. The system also includes a payment module to receive a payment from the second party based on the received payment information. The system further includes an authorization module, after receiving the payment, to allow the second party to play the digital content under restrictions described in the received DRM. In some embodiments, the system may also include a preview module to allow the second party to preview the digital content for a predetermined number of times or for a predetermined length of time. | 02-12-2009 |
20090043695 | Method & system for facilitating charitable donor to donee matching - A method for facilitating charity donation matching, includes the steps of collecting information of potential donation receiving entities, inviting a potential donating entity to register contact information and donation criteria, prompting the potential donating entity to pay a matching surcharge, accepting the matching surcharge, matching the potential donating entity with one or more potential donation receiving entities and generating matching results, and providing the matching results to the potential donating entity. | 02-12-2009 |
20090043696 | Payment Processor Hosted Account Information - A payment processor may host account information such as an account number of a customer provided during a transaction with a point of sale of a merchant. The account information may be received by the payment processor without being stored at the point of sale. For example, the account information may be received by the payment processor via a web page that may emulate a terminal at the point of sale. The payment processor may store the account information and may establish a unique transaction identifier for the transaction. The unique identifier may be provided to the customer with a receipt and the account number may be provided to an entity that may provide payment the merchant to complete the sales transaction. | 02-12-2009 |
20090043697 | System and method for repaying an obligation - A method for repaying an obligation comprises periodically receiving into a merchant designated account an entirety of funds resulting from merchant sales made with a card product. A first amount related to the terms of the obligation is computed and the first amount is applied to the obligation. The amount remaining in the merchant designated account after applying the first amount to the obligation is transferred to a bank account accessible by the merchant. The steps are repeated until the obligation is satisfied. A system for repaying the obligation is in communication with an unmodified retail payment system. The system for repaying the obligation comprises at least one merchant designated account in communication with a network of the retail payment system, a master account in communication with the at least one merchant designated account, and an obligation processor in communication with the at least one merchant designated account and the master account. | 02-12-2009 |
20090043698 | COMPUTER-IMPLEMENTED METHOD FOR FULLY INSURING LARGE BANK DEPOSITS - An Interchange service that allows member banks participating in the service to offer their customers multiple certificates of deposit (“Multi-CDs”) so that large deposits exceeding an applicable Federal deposit insurance limit (e.g., $100,000) are fully insured. The Interchange partitions each of the large deposits into a plurality of deposit portions that do not exceed the Federal deposit insurance limit. The deposit portions are assigned to the member banks so that, for each member bank, the difference between funds flowing out of and into each member bank is minimized or eliminated. Differences in deposit terms offered by each of the member banks are monetized and resolved through the calculation and payment of present value payments, which are transferred between member banks that have different sets of deposit terms. | 02-12-2009 |
20090043699 | FINANCIAL ACCOUNT MANAGEMENT - An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets. | 02-12-2009 |
20090048967 | WIDE AREA NETWORK PERSON-TO-PERSON PAYMENT - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 02-19-2009 |
20090048968 | Systems and Methods for Facilitating Transactions with Different Account Issuers - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller. | 02-19-2009 |
20090048969 | Systems and Methods for Facilitating Transactions Between Different Financial Accounts - A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also includes the options of interest payments, the use of different account issuers, different financial accounts, budget transfers, spend compartmentalization, cost-splitting, adjusting credit limits, loans, gifting, intermediary facilitating the transaction, transaction tracking, rapid funds availability, confidential transfer of funds, immediate initiation of shipment by a seller, releasing funds to a seller only after approval of the goods, services, or other value, demonstrating proof of payment, and recourse against a remote seller. | 02-19-2009 |
20090055311 | METHODS FOR IMPLEMENTING SALES TRANSACTIONS USING PREPAID SALES CERTIFICATES HAVING INCREASED VALUE AFTER A PERIOD OF TIME - A method for implementing a sales transaction includes receiving a first payment, issuing a prepaid sales certificate having indicia indicating a first redeemable value for the certificate corresponding to the first payment, and having indicia indicating at a later time a second redeemable value greater than the first payment. The prepaid sales certificate may be received by a merchant, and a determination made whether the later time has passed. Based on the determination whether the later time has passed, at least one of goods and/or services may be provided in exchange for the prepaid sales certificate based on the first redeemable value or the second redeemable value. | 02-26-2009 |
20090055312 | INTERNET-BASED MONEY ORDER SYSTEM - A system and method for purchasing a money order via the internet including the steps of providing an internet based money order system capable of generating money orders upon the receipt of a purchase request by a prospective buyer via the internet for a predetermined amount of funds. The prospective buyer transmits information to the money order system. via the internet, which information is required to purchase the money order. The money order is then remotely generated by the money order system and is delivered to an intended recipient of the money order. | 02-26-2009 |
20090055313 | FINANCIAL ACCOUNT MANAGEMENT - An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets. | 02-26-2009 |
20090055314 | WIRELESS PAYMENT METHOD AND SYSTEMS - A method for conducting a transaction is disclosed. The method includes using a first portable electronic device, and directly transmitting a request for payment to a second portable electronic device through a wireless link. Then, the second portable electronic device transmits an approval of the request for payment to the first portable electronic device. One of the first and the second portable electronic devices then sends the request for payment to a payment hub service The payment hub service then facilitates the transfer of funds from a payer institution to a payee institution to complete the transaction. | 02-26-2009 |
20090063331 | METHODS AND SYSTEMS FOR EXECUTING A PLURALITY OF MONEY TRANSFERS HAVING A FLUCTUATING PARAMETER - Systems and methods are provided for executing a plurality of money transfers, at least one term of which is dependent on the value of a fluctuating parameter, for example a currency exchange rate or the amount of a transaction service fee. The customer may stage a first money transfer at a money-transfer system and a first value of the fluctuating parameter may be determined by a host processor. The first money transfer may then be executed by the money-transfer system using the first value of the fluctuating parameter and a unique lock-in value identifier may be stored in the host processor's memory that associates the first value of the fluctuating parameter with the customer. When the customer stages a second (and any subsequent) money transfer at the money transfer system, a second value of the fluctuating parameter may be determined by the host processor. The first value of the fluctuating parameter may be retrieved from the host processor's memory using the lock-in value identifier and, in one embodiment, a determination may be made as to whether the first value or second value is more favorable to the customer for executing the second money transfer. The second money transfer may then be executed using the more favorable value of the fluctuating parameter. In one embodiment, the customer may be notified of the savings realized. | 03-05-2009 |
20090063332 | FLEXIBLE AUTOMATIC SAVINGS PROGRAMS - Flexible automatic savings programs and/or processes are provided in which a consumer is presented with multiple options for automatic savings to be applied to transactions, such that savings amounts are transferred from a first account to a second account automatically for qualified accounts and transactions. A financial institution can assist the consumer select one of the options to apply to automatic transfers. Transfer policy can thus be customized for a consumer according to their savings needs and goals. Participation is limited to common, or overlapping, ownership status with respect to both source and target accounts, though other ownership entities can also be present. The way that savings amounts are determined for automatic transfers can also be dynamically customized to savings characteristics or goals of the consumer as those characteristics or goals change. | 03-05-2009 |
20090063333 | Apparatus And Method For Payment Card Account Personalization - Techniques for payment card account personalization include obtaining access to data describing a first set of parameters associated with the payment card account and obtaining indications of a first change in a life situation of an account holder. The first change may be one that has occurred since establishment of the first set of parameters. Presentation of a first menu of updated parameter choices to the holder is facilitated. The presentation of the first menu can be based upon the first change in the life situation of the holder. A holder selection can be obtained from the first menu, including data describing a second set of parameters associated with the payment card account, the second set of parameters being different than the first set of parameters. The payment card account then operates according to the second set of parameters. In some instances, account parameters can be updated across multiple financial institutions, by a service provider. | 03-05-2009 |
20090063334 | Business-to-business transaction processing utilizing electronic payment network - Embodiments in accordance with the present invention relate to methods and systems allowing an electronic payment processing network to be utilized to conduct transactions between businesses (B2B) or other entities. In one embodiment, funds may be transferred between businesses (buyer, seller) through a payment processing network utilizing offsetting credit and debit transactions to an account with a dummy acquirer entity. This payment may be achieved utilizing only conventional message types (request for authorization, settlement) that are expected to be transmitted over the network during the course of a familiar merchant/consumer purchase transaction. | 03-05-2009 |
20090063335 | COMMUNICATION APPARATUS HAVING INFORMATION MANAGEMENT FUNCTION AND INFORMATION MANAGEMENT METHOD THEREOF - A communication apparatus having an information management function, and an information management method thereof are provided. The communication apparatus accesses a server so that a user may purchase a product or perform financial transactions, receives and reconstructs product information or transaction information from the server, encodes and stores the reconstructed information, and provides the information in a table form. Accordingly, the user can efficiently check and manage the information. | 03-05-2009 |
20090063336 | Financial & technology solutions for 21st century crime fighting - A self-funded resource collection process that collects recourses, such as identification and crime fighting technology, that are required by an agency, such as a law enforcement agency, and provides means for funding the self-funded resource collection process. | 03-05-2009 |
20090063337 | PAYMENT TERMINAL, PAYMENT SYSTEM AND COMPUTER-READABLE MEDIUM - Disclosed is a payment terminal including: a connection section to connect to a data processing apparatus including an output section to output data; a payment control section to send a first instruction to the data processing apparatus through the connection section to allow the output section to output payment data to be used in payment processing when a payment instruction is received from the data processing apparatus through the connection section, and to perform payment processing; and an output control section to send a second instruction to the data processing apparatus through the connection section to allow the output section to output a result of the payment processing by the payment control section. | 03-05-2009 |
20090070254 | Consumer fuel quantity purchasing system - A system and method for the pre-purchase of a quantity of a commodity traded in a futures market or could otherwise be hedged of any volume, at any time, using the internet. The method and system establishes a commodity purchase account for a provider to allow a user purchase of the commodity at a predetermined volume quantity, at a set price; delivering to user a means to effect the purchase of a commodity; transferring funds representing the purchase of a predetermined quantity of a predetermined commodity from a purchaser to a user; crediting the purchaser's commodity purchase account with the funds, utilizing the transferred funds to effect the purchase of the predetermined quantity of the predetermined commodity, subsequently delivering at least a part of the commodity purchase in kind from a commodity vendor to the user, and debiting the user's commodity purchase account in accordance with the quantity of the commodity delivered to the user. | 03-12-2009 |
20090070255 | Social lending and borrowing in virtual financial community - Disclosed herein is a computer implemented method for creating and maintaining a virtual financial community with a plurality of subscribers subscribing to a social lending and/or borrowing scheme. A total face value and a scheme period are specified for the scheme. Each subscriber periodically invests a predetermined portion of the total face value until the end of the scheme period. A beneficiary subscriber is democratically elected for borrowing an amount equal to the total face value at the end of each investment period. The beneficiary subscriber may relinquish a percentage of the borrowed amount that is democratically decided by the subscribers and/or the scheme moderator. The percentage of the amount relinquished by the beneficiary subscriber is distributed between the non beneficiary subscribers and the scheme moderator. The steps of electing and distributing are repeated for each of the predefined periodic intervals until the end of the scheme period. | 03-12-2009 |
20090070256 | SYSTEMS AND METHODS FOR PAYMENT - Embodiments include systems and methods including a computer network for making electronic payments between monetary accounts issued by different issuers, comprising a plurality of user issuers, each of the user issuers operable to provide one or more user accounts, a plurality of issued user accounts, each one of the plurality of issued user accounts issued by one of the user issuers, and each one of the plurality of issued user accounts communicatively coupled though a communication channel to the user issuer that issued the given issued user account, and at least one settlement issuer, the settlement issuer communicatively coupled to one or more of the plurality of user issuers. | 03-12-2009 |
20090070257 | SYSTEMS AND METHODS FOR TRANSFERRING FUNDS FROM A SENDING ACCOUNT - Provided herein are methods and systems for transferring funds from a sending account to a payee. In embodiments, the sending account may be a pre-paid wireless telephone account. The methods and systems may involve a transaction management system, an account setup module, a funds transfer module and a reporting module. | 03-12-2009 |
20090076949 | CENTRALIZED TRANSACTION RECORD STORAGE - Various methods and systems are provided to permit the storage of online transaction records associated with user-merchant transactions facilitated by a payment service provider. In one example, such transaction records may be aggregated by the payment service provider to permit a user to search the records. In another example, such transaction records may be associated with user-selectable links to permit users to reorder previously purchased items referenced by the transaction records. In yet another example, such transaction records may be associated with warranty information to permit users to conveniently view warranty details associated with previously purchased items. In a further example, a client device may be implemented to determine whether a webpage includes transaction information associated with a user-merchant transaction. The transaction information may be captured and passed by the client device over a network in order to facilitate storage of the transaction information in a transaction record. | 03-19-2009 |
20090076950 | Universal Network-Based Deposit Management Service - A system for managing electronic deposits remitted to billers includes a first node connected to a network for receiving electronic remittances, a data repository connected to the network for storing account information and account identifier data, a first software routine for looking up account information in the data repository based on received account identifier data, and a second software routine for causing a deposit or credit into an account identified by the account identifier data. Each account subject to electronic deposit is registered with the system, the system issuing an account identifier unique to each account, the identifier used in place of the account number by account owners in remittance instruction to payers. | 03-19-2009 |
20090076951 | METHOD, SYSTEM AND COMPUTER PROGRAM FOR GENERATING FINANCIAL TRANSACTION INSTRUCTIONS - A method, system and computer program is provided for enabling on-line generation of financial instructions by a financial institution account holder and/or a signatory authorized to access his/her financial institution account. Hand written data provided by a user on a medium is digitized, such medium optionally including a digital pattern, by operation of a digital pen. The data is provided at communication device, and then to a server computer associated with the financial institution, the server computer being operable to interpret the data as financial instructions. The financial institution processes the financial instructions, and optionally generates feedback, which is made available to the communication device. The server computer enables the processing one or more financial transactions based on the financial instructions. | 03-19-2009 |
20090083177 | PRODUCTS AND PROCESSES FOR REVENUE SHARING AND DELIVERY - Various techniques of distributing revenue and/or other money, selecting/bonding delivery agents, and performing other tasks are providing herein. Methods include distributing portions of loan payments to one or more referrers associated with one or more loans, bonding of delivery agents, selecting delivery agents, allocating portions of credit card payments and/or sharing advertisement revenue. Other apparatus and methods are disclosed. | 03-26-2009 |
20090083178 | METHOD AND APPARATUS FOR PROVIDING MORTGAGE - A method is provided including collecting a first upfront enhancement fee from a first party to a sale involving a first real property, placing the first upfront enhancement fee into a pool account having a plurality of upfront enhancement fees, and lending a first amount of money to a borrower who is purchasing the first real property as part of a first loan, wherein the terms of the first loan are more favorable because of the first upfront enhancement fee. The method may further include retaining and servicing the first loan, and retaining the first upfront enhancement fee in the pool account as a loss reserve. | 03-26-2009 |
20090089207 | PREPAID BUDGET CALLING ACCOUNTS WITH OVERRUNS BILLED TO A CREDIT CARD - Prepaid services include offering a plurality of services. An account is configured to track usages of the plurality of services as well as associating a plurality of recurring balances with the account, wherein each balance is associated with a respective service of the plurality of services. It is possible to deduct an amount associated with providing a particular service for a period of time from the recurring balance associated therewith. | 04-02-2009 |
20090089208 | METHOD AND SYSTEM FOR CHARGING CORRELATION - A charging correlation method for an application or service is provided. The method may include: receiving a service identifier assigned for an application or service; and correlating Charging Data Records CDRs generated for the application or service based on the service identifier. A charging correlation system, a billing center and an apparatus are also provided. These method and apparatus may provide a simple charging correlation process for an application or service. | 04-02-2009 |
20090094154 | Method and system for matching remittances to transactions based on weighted scoring and fuzzy logic - A method for matching remittances to transactions is disclosed. The method for matching remittances to transactions uses a processing paradigm based on weighted scoring and fuzzy logic that is easy to maintain and fosters the use of logic based on the summarization of payments. The system and method also matches remittances to particular transactions with relaxed sensitivity to where identifying markers may be placed on a remittance and is resistant to typographical data entry errors. Further, the system and method is flexible with regards to handling various kinds of information that can result in accurate, precise matching without discarding or overlooking such information. | 04-09-2009 |
20090099961 | Transaction Processing Method, Apparatus and System - The present invention relates to transaction processing, for processing of payments between payer's (usually individual payers) and payee's (usually merchants. Conventionally, a payment transaction involves a user's account details being provided to a merchant device, e.g. by swiping a card in the card swipe of the merchant device. The merchant device then prepares a transaction message including information such as the user's account ID, merchant ID and payment information and forwards that message to a transaction processing system, which may comprise a transaction acquirer and an issuing bank. The transaction processing system approves the payment and returns confirmation to the merchant. In the present invention a device associated with the payer, which in a preferred embodiment is a suitably adapted mobile telephone, becomes involved in the payment transaction process. At one level, the transaction processing system requests from the payer electronic device confirmation that the transaction should proceed and the payer keys in an appropriate PIN to authorise the transaction. At another level, all the transaction processing information is provided from the payer electronic device to the transaction processing system and the transaction processing system or the payer electronic device then confirm that the transaction is authorised to the merchant device. This takes the burden of transaction processing off the merchant and also increases the security of the transaction as the payer is in control. In a further embodiment, the payer electronic device may also upload listings of products and select products at the same time as paying for them, the payee (merchant) being advised of the selected product. | 04-16-2009 |
20090099962 | APPARATUS AND METHODS FOR FACILITATING CARBON CREDITS - A processor-performed method of facilitating the creation and sale of carbon credits. The method includes enrolling a plurality of carbon credits in a database. Each credit is associated with an account of a creator of the credit and with a project for generating the credit. The method includes determining whether one of the one or more projects is registered in a climate action registry; and, based on the determining, registering in the registry a validated credit associated with the registered project and including the registered credit in an account of an aggregator. | 04-16-2009 |
20090099963 | Tagged Products And Uses Thereof For After Point-Of-Sale Revenue Sharing - Methods are presented for providing after point-of-sale revenue sharing via tagged software. The methods provided allow for revenue sharing when products or services are provided in the future, or when products are upgraded in the future. | 04-16-2009 |
20090106143 | Payment processing system - A payment processing system wherein payment data is entered into a database on a server. The server is accessible to clients via a Web page on the Internet. Clients, by selecting search parameters on the Web page, can comprehensively search payment activity from the time a payment is initiated, until and including, the time a payee's account is credited. Clients, and/or their back-offices receive active updates of payment status information. | 04-23-2009 |
20090106144 | METHOD AND SYSTEM FOR PROVIDING SELLERS ACCESS TO SELECTED CONSUMERS - A method and system for providing sellers access to desirable consumers includes a process for providing sellers access to desirable consumers whereby financial transaction data for various consumers is obtained from one or more sources using a computing system implemented financial management system. The consumers' financial transaction data is then used by a provider of marketing and advertising tools to categorize consumers. Sellers are then charged for access to the consumers based on the consumer's category and/or historical financial transaction data and/or based on the consumer's eventual business with the seller as indicated by monitoring the consumers' financial transaction data. | 04-23-2009 |
20090106145 | APPEAL MECHANISM FOR A CONTRACT DISPUTE IN A VIRTUAL WORLD - A method for appealing a decision in a contract dispute in a virtual world may include receiving a rejection of the decision in the contract dispute in the virtual world from at least one of a contractor and a contractee. The decision in the contract dispute may be made by a single arbitrator. The method may also include providing a mechanism to appeal the decision by the single arbitrator in the contract dispute in response to receiving the rejection from at least one of the contractor and the contractee. | 04-23-2009 |
20090112754 | SYSTEMS AND METHODS FOR VERIFYING IDENTITIES - A method for verifying the identity of one party on behalf of another party is provided. The method includes providing a money-transfer system and a communication system that communicates with the money-transfer system; receiving at the money-transfer system from the first party certain verification criteria for confirming the identity of a second party; and storing the verification criteria in the host computer system of the money-transfer system. When an ID is received from the second party at a money-transfer location; the verification criteria is retrieved from the host computer system; and the acceptability of the ID is determined in accordance with the verification criteria. If the identification device is acceptable, identification information is obtained from the identification device; and the identification information is processed to verify the identity of the second party. In other embodiments, a method for pre-verifying the identity of a party and a system for performing the method of the invention are provided. | 04-30-2009 |
20090112755 | METHOD AND SYSTEM FOR ON-LINE AGENCY DISBURSEMENT MANAGEMENT OF EXPENSES FOR INTELLECTUAL PROPERTY RIGHTS - The present invention provides a method and system for on-line agency disbursement management of expenses for intellectual property rights. A payment management website is built-into a host computer and linked to Internet by the business terminal. The payment management website includes a login module, so that the client can log in the payment management website to operate the login module and access the data of intended intellectual property right cases through the operating screen of login module. The business terminal can pay the intellectual property right expenses to the government body or entrusted organizations. The payment management website is fitted with a management module linked to the login module, so that the client can learn about the disbursement state of intellectual property right expenses and/or the situation of intellectual property right cases. The expenditure of the client and subsequent control cost and risks are considerably reduced. | 04-30-2009 |
20090112756 | METHOD AND SYSTEM FOR PROCESSING NEGOTIABLE INSTRUMENTS - A method and system for processing information is provided. A negotiable instrument may be scanned to determine a first amount and a second amount. A comparing module compares the first amount to the second amount, and a value for the negotiable instrument is determined based on the amounts. The value can be compared to the amounts to determine if a predetermined error has been committed in entering the value. If so, the value may be corrected. | 04-30-2009 |
20090112757 | MOBILE DEVICE INCLUDING COMPUTER READABLE MEDIUM SUITABLE FOR TAX PROCESSING AND CURRENCY CONVERSION - Systems and methods of converting transactions to a new currency and tax processing based on the location of the mobile communication device. The systems and methods send transaction information including a transaction amount associated with a transaction conducted between a merchant and a consumer at an access device, to a server computer. The server computer determines a location of a mobile communication device operated by the consumer and converts an transaction amount to a currency based on a conversion rate based on the location of the mobile communication device or determines a tax amount based on the transaction amount and based on the location of the mobile communication device. The method also receives the converted transaction amount or the tax amount. | 04-30-2009 |
20090119204 | ELECTRONIC SYSTEM FOR SELECTING THE BEST CARD FROM A COLLECTION OF CONSUMER CREDIT, DEBIT, AND DISCOUNT CARDS - A method, system and computer program product for enabling completion of purchase transactions by retrieving purchase card information from an electronic database of consumer cards and applying the appropriate card to the transaction. The database, managed by a central card authority, stores client account information for cards such as debit, credit, phone, and discount cards, which are accessible via a unique, secure login/access credential, such as a username and password combination. During registration with the central card authority, a client classifies key/important factors to consider when performing purchases. The central card authority is accessed by the client during purchases from a retail facility and/or other purchasing environment. The central card authority automatically selects the best card to utilize during a purchase, after weighing the important purchasing factors related to the credit, debit, phone, and discount cards registered with the central card authority. | 05-07-2009 |
20090119205 | SECURE AND EFFICIENT PAYMENT PROCESSING SYSTEM - A method is provided for carrying out commercial transactions. The method includes the steps of: establishing a transaction processing system on an electronic communications network; establishing an account within the transaction processing system for a corresponding account holder; obtaining from the account holder a session description of acceptable future commercial transactions related to the account; administering commercial transactions carried out via the transaction processing system; and, verifying that administered commercial transactions related to the account meet one or more of the session description. | 05-07-2009 |
20090125441 | Monetary Account Management - Methods, systems, and machine readable media are disclosed that may use a float account to manage monetary accounts associated with an account holder. In one embodiment, a method may include receiving a transaction for the float account that has an associated monetary amount. The method may also include holding the monetary transaction in the float account of the account holder. The method may include distributing the monetary amount of the transaction among the monetary accounts of the account holder per directions of the account holder. | 05-14-2009 |
20090125442 | Wireless communications device configured for automated returns - A method for automated return of an item, including the steps of: automatically identifying, with a processor and an interface element in a specially programmed general-purpose computer, an item brought within a predetermined proximity of a retail location operated by a business entity; determining, via the processor and a memory element in the general-purpose computer, that the item was previously purchased from the business entity by a customer; and applying, using the processor, a credit for the item to an account associated with the customer. In some aspects, the item comprises an RFID tag and the memory element comprises a sales record for the item including data regarding the tag, and automatically identifying an item includes automatically detecting the tag and transmitting data identifying the tag to the interface element, and determining that the item was previously purchased includes using the data identifying the tag to select the sales record. | 05-14-2009 |
20090125443 | METHOD TO FACILITATE ENGAGEMENT AND COMMUNICATION BETWEEN A COMPANY AND A RECRUITER - The present invention includes a method to facilitate engagement and communication between a company with an available position and a recruiter. The method includes the steps of posting information about the available position for the company, and receiving information about a candidate for the available position of the company from the recruiter, and submitting the information about the candidate for the available position of the company to the company. The method further includes the step of receiving payment from the company and transmitting a portion of the payment to the recruiter upon the selection by the company of a candidate for the available position. | 05-14-2009 |
20090138396 | PRE-PAID PAYMENT INSTRUMENT PROCESSING - Methods, systems, and apparatus, including computer program products, in which a method includes attributing a value to a pre-paid payment instrument, determining an expiration time associated with the pre-paid payment instrument, and automatically return an un-used portion of value associated with the pre-paid payment instrument at the expiration time to the purchaser. | 05-28-2009 |
20090144192 | METHOD AND SYSTEM OF AGGREGATING CONSIDERATION ASSOCIATED WITH A REQUEST - A method, apparatus and system of method and system of aggregating consideration associated with a request is disclosed. In one embodiment, a method includes generating a request (e.g., may include a performance request, an article request, a mission and/or an altruistic request) of an entity based on a set of parameters provided by an initiating patron of the entity, allocating an initial consideration to the request from the initiating patron, generating a profile of the request having the initial consideration in a request aggregation environment and allocating, to the initial consideration, an additional consideration provided when a different patron contributes the additional consideration to the request. The method may include determining whether contact information of the entity provided by the initiating patron and the different patron references to a verified contact data and communicating the request to the entity based on the contact information and the verified contact data. | 06-04-2009 |
20090144193 | Sub-Account Mechanism - A system and method for controlling a monetary account with one or more sub-accounts is described. A monetary account with an entity is established and an account user associated with the monetary account is identified. A sub-account with the entity is established, where the sub-account is associated with the monetary account and includes monetary funds transferred from the monetary account. At least one sub-account user associated with the sub-account is identified, where the at least one sub-account user is different from the account user. One or more controls, placed by the account user, are established on at least one of the sub-account and the at least one sub-account user. The at least one sub-account user is restricted from accessing monetary funds in the monetary account and the account user is permitted to access the sub-account. | 06-04-2009 |
20090144194 | COMPUTER AUTOMATED SYSTEMS, DEVICES AND METHODS FOR DATA PROCESSING OF ACCOUNTING RECORDS - Devices, systems, methods and arrangements are implemented in variety of manners. In a specific instance, a computer arrangement implements the following operations for a transaction involving a plurality of merchant offerings that are parseable by merchant offering identifiers. For a plurality of identified buyer accounts from which monetary payables (e.g., cash, credit and/or debit limits) are tracked, stored data sets are accessed that are indicative of types of merchant offerings to be associated with particular ones of the plurality of buyer accounts. Payment is facilitated for the items as a function of at least one of the plurality of buyer accounts. Payment is tracked for the items as a function of the merchant offering identifiers. | 06-04-2009 |
20090150283 | MONEY FUND BANKING SYSTEM WITH MULTIPLE BANKS AND/OR RATES - Providing interest to clients' deposited funds without limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients' deposits and withdrawals, calculates the total of the deposits and withdrawals for all clients, and uses the calculation to determine whether funds are deposited to or withdrawn from one or more deposit accounts in which all clients' deposit funds are kept. Clients can make unlimited withdrawals, such as by check, credit card, debit card, or electronic transfer, through the administrator. By placing the administrator as the holder of the deposit account(s), exemptions to the limitation on earning interest in demand accounts is facilitated; additionally, dispersing the deposit account funds among multiple banks allows the client to obtain FDIC insurance for all of the deposited funds, which may amount to insurance in excess of the statutory maximum allowed (presently $100,000.00). | 06-11-2009 |
20090150284 | CREATION AND DISTRIBUTION OF EXCESS FUNDS, DEPOSITS AND PAYMENTS - Accumulating credits from financial movements to and from accounts held by a financial transactor and managed by an account manager involves initiating a roundup by periodically accessing entries in the account or the account itself with an information processor to round up entries in the account, rounding up the entries in the account to obtain a total roundup amount, withdrawing the roundup amount from the account and debiting the account with the roundup amount. In one embodiment the information processor is external to and out of control of the account manager. At non-bank and bank locations send deposits and payments in cash and/or checks, to financial institutions by using a remote input to truncate the paper checks and the cash used in the transaction. | 06-11-2009 |
20090157544 | Record-keeping system for transmission and production of content - A method of transmitting content over a network, the content being subject to a record-keeping requirement, includes the steps of: providing information pertaining to at least a portion of the content in accordance with a record-keeping requirement; associating the information with the content; providing the associated information to a custodian; and transmitting the content over a network. | 06-18-2009 |
20090164366 | PAYMENT VOUCHER GENERATION FOR FINANCIAL TRANSACTIONS - The preferred embodiments of the present invention are directed to consummating a financial transaction using payments vouchers. A merchant code associated with a merchant is received by a financial institution terminal, which verifies the merchant code against a stored code. A payment voucher is generated in response to the verification. The voucher includes an encoded message that indicates the voucher is authentic. | 06-25-2009 |
20090164367 | Secure transmission of money transfers - The invention relates to a method and a device for enabling a validated money transfer between a sending and a receiving person via a sending and a receiving financial institution, where a request to a validation agent for validation of a money transfer replaces normal time consuming cross border security checks. The validation agent, being unaffiliated with the sending financial institution and the receiving financial institution, administers a data base comprising validated transfer agreements, which agreements specifies at least the identity of a sending person and of a receiving person. A validation of a transfer is executed at the validation agent by comparing current transfer data with information specified in the validated transfer agreements. | 06-25-2009 |
20090164368 | Private Label Promotion Card System, Program Product, And Associated Computer-Implemented Methods - Embodiments of the present invention provide a private label promotion card as a bank product, being issued and managed by the bank and using an open payment network for purchase authorization and payments. A bank computer processes activation information for a promotion card and receives finds into an account at the bank on behalf of a retailer for payment for the promotion card, perhaps at a discount to a customer value of the promotion card. The bank computer authorizes purchase requests to use one or more activated promotion cards as payment for a consumer purchase from the retailer via an open payment network and transfers funds to the open payment network to satisfy the authorized consumer purchase. Upon expiration, the bank computer sweeps the account of the remaining value for expired promotion cards to thereby establish a credit for the bank. | 06-25-2009 |
20090171835 | Multiple Payment Transaction Systems - A system and method of conducting multiple payment transactions is disclosed. The system and method allow a consumer to make contributions to selected groups based upon the consumer's financial activity. The invention could be used by a consumer to identify beneficiaries and can be used by merchants and payment network providers to provide donations. | 07-02-2009 |
20090171836 | SYSTEM AND METHOD FOR IDENTIFICATION VERIFICATION OVER A FINANCIAL NETWORK - A system and method for identification verification over a network is described herein. In one embodiment, the system for identification verification over a network comprises a communication interface; and a payment provider system configured to receive via the communication interface an image of an individual from a merchant system, verify the image received from the merchant system by comparing the image received with a known good image of the individual, and indicated one of positive identification or negative identification back to the merchant system. | 07-02-2009 |
20090177577 | RENTAL NETWORK SECURITY SYSTEM AND METHOD - A system and method of facilitating a rental transaction of a tangible item is provided. Initially, a lessee pickup code is communicated from a borrowing party to an owning party upon exchanging the tangible item between the owning party and the borrowing party. The owning party subsequently transmits the lessee pickup code to a central controller. A rental period for the exchanged tangible item begins upon verifying, by the central controller, that the lessee pickup code sent by the owning party is the lessee pickup code originally provided to the borrowing party. When the tangible item is returned to the owning party, the owning party communicates a return code to the borrowing party. The return code is transmitted by the borrowing party to the central controller. The central controller verifies that the return code is the return code originally provided to the owning party. | 07-09-2009 |
20090177578 | Method of converting cash into virtual cash and loading it to mobile phone cash account - A method of receiving cash from an outlet through a mobile phone comprising the steps of: —customer requesting for cash-out at an outlet; —customer showing identification and filling up a form; —frontliner accessing the device and keying in command containing customer's amount of cash-out and sending this to telco; telco verifying that customer's mobile phone is registered with the telco's cash product services and that the amount of cash-out is available in the customer's mobile phone cash account and sending information the device of the frontliner of the outlet; —frontliner of the outlet verifying that customer is registered with telco's cash product service and advising the customer of the unique transaction code; —customer paying for cash-out fee; —customer keying in “CASHOUT” cash product command containing his PIN, amount to be cashed out, and his mobile phone number; —sending this command to telco; —outlets device receiving a confirmatory message from telco of cash product service transfer; —customer receiving a SMS acknowledgment from telco of the completion of the cash product service; —customer getting cash from the outlet; —outlet's device receiving an acknowledgement of the completion of the transaction and confirmation number from telco in a format matching the outlet's device. | 07-09-2009 |
20090177579 | Transaction System Supporting Dynamic Currency Conversion - Disclosed is a method of performing a funds transaction that includes providing the option to perform the transaction using dynamic currency conversion and apparatus for performing dynamic currency conversion. The method may include identifying whether a transaction is eligible for dynamic currency conversion and if so allowing an operator to enter a nominated currency and subsequently conducting the transaction in the nominated currency. Otherwise the transaction may be performed in a default currency. | 07-09-2009 |
20090177580 | COLLECTION OF ELECTRIC VEHICLE POWER CONSUMPTION TAX - A method of collecting electric vehicle power consumption tax for charge transferred between a local power source and an electric vehicle comprises: providing a network-controlled charge transfer device, charge transfer being controlled by a controller, the controller being connected to a network for communication to a server; requesting by an operator of the electric vehicle to the controller for charge transfer; relaying the request from the controller to the server; determining by the server, from geographical tax rate data and the geographical location of the network-controlled charge transfer device, an applicable tax rate on the charge transfer; enabling charge transfer by communicating from the server to the controller to activate the control device; monitoring the charge transfer using a current measuring device, the controller being configured to monitor the output from the current measuring device and to maintain a running total of charge transferred; detecting completion of the charge transfer; and on detecting completion, processing payment with said payment source, which may include deducting the cost of charge transfer from a subscriber account containing pre-transferred funds, and disabling charge transfer; wherein the request for payment includes the electric vehicle power consumption tax. | 07-09-2009 |
20090187505 | ONLINE SAVINGS NETWORK - Implementing an online savings network includes creating a network account for an owner and associating an investment account to the network account. The investment account is associated with savings parameters and is owned by the owner. A first contributor is invited to join the online savings network and a condition is established in response to an input by the first contributor that, when satisfied, triggers an automatic contribution of financial assets to the investment account by the first contributor, wherein the financial assets have a value that is relative to a value of a contribution by the owner. | 07-23-2009 |
20090187506 | System in which new production creates new money - An economic system includes a method of keeping consumption equal to production by creating new money only in response to new production. The method includes the steps of an employer ordering new production including one of a new good and/or service and an earner performing the new production for the employer. The earner's account is credited new money for the value of their contribution of the new production. The employer's account is debited a like amount of money as the amount of the new money equal to the company's profit from the new production by a clearing house and a percent of the debited like amount of money is distributed by a prearranged formula to prevailing governments in lieu of taxes. | 07-23-2009 |
20090198612 | NON-CREDIT ACCOUNT CREDIT RATING - A consumer's credit rating is derived from non-credit transactions on an account. Each transaction was a purchase by the consumer from a merchant using a pre-paid card. The derived consumer's credit rating can use a total of all of the transactions, totals for each merchant and/or for categories thereof. Here, the account is issued by an issuer to the consumer. Each merchant submits each non-credit transaction to an acquirer for processing by a transaction handler who requests the issuer to obtain payment for the transaction from the account. The issuer forwards the payment to the transaction handler who forwards the payment to the acquirer to pay the merchant for the purchase of the transaction. The derived credit rating can also consider prior credit ratings based upon prior credit transactions. | 08-06-2009 |
20090198613 | Method and apparatus for group decision making - A method and apparatus are provided for group decision making. In one example, the method includes receiving bids from group members on choices, calculating a choice winner based on the bids, calculating a pot based on the bids, redistributing the pot based on the bids, and displaying results to the group members. | 08-06-2009 |
20090210341 | METHOD OF POSTAL PAYMENT FOR SET OF CUSTOMIZED POSTAGE - A method of paying for postage stamps, that involves the generation of a plurality of postage stamps, wherein each of the stamps has a unique identification code; and the debiting of an account for the generation of the plurality of stamps when a carrier processes one of the plurality of stamps. | 08-20-2009 |
20090240619 | MULTI-NATIONAL GIFT CARD SETTLEMENT - Systems and methods for settling stored value account transactions between merchants in countries that use different currencies. A host computer system receives transaction data resulting from a number of stored value account transactions performed at a number of merchants. The merchants are grouped into separate entities with separate accounting systems, and at least one entity operates in a different country than another entity. The transactions include any combination of origination transactions, redemption transactions, and reload transactions, and the transaction data includes for each redemption and reload transaction a transaction amount, locations in which the transaction occurred and the account was originated and the base currency of the account and the currency in which the transaction is performed. Periodically, accounts are settled between the entities in each country using a central country bank account in each country, and periodically accounts are settled between pairs of central country bank accounts. | 09-24-2009 |
20090240620 | SECURE PAYMENT SYSTEM - Systems and method for performing secure electronic payment transactions to allow merchants to perform payment processing such that the merchant is only required to identify a unique identifier of a customer account and not data specific to a particular payment device. | 09-24-2009 |
20090240621 | Method of Administering an Annuity Having Payments That Maintain or Increase in Purchasing Power - A method of administering a single premium immediate annuity is disclosed. The method includes specifying an income payment amount representing a base level of purchasing power each scheduled annuity payment shall be able to substantially achieve. The amount of the annuity payment to be made at scheduled intervals being adjusted to maintain the purchasing power of the annuity payment, whereby the annuity payment is adjusted to accommodate inflation and maintain a base level of purchasing power. The method of administering the annuity including the inclusion of income payment adjustment ceilings and floors, whereby income payments cannot be reduced below a predefined minimum level, nor can income payments increase above a predefined maximum level in any given year. | 09-24-2009 |
20090248574 | PEER-TO-PEER CURRENCY EXCHANGE AND ASSOCIATED SYSTEMS AND METHODS - Peer-to-peer currency exchanges and associated systems and methods are disclosed herein. In one embodiment, a computer-implemented method of facilitating a currency exchange transaction between multiple users of a peer-to-peer currency exchange system can include receiving user instructions at the currency exchange system for a currency exchange transaction. The method can also include funding corresponding user accounts at the currency exchange system based on the respective user's selected amount of money to be converted and a current exchange rate between the first currency and the second currency. The method can further include aggregating funds from the corresponding user accounts at the system and, after aggregating the funds, matching user requests for a conversion of funds into a selected currency pairing. The matching process is based, at least in part, on one or more predetermined matching parameters. The method can also include transferring the converted funds to a corresponding external account of the respective user. | 10-01-2009 |
20090254475 | PREDICTION MARKET MAKING METHOD AND APPARATUS - Generally, a method and apparatus for making a prediction-based market including unconventional prediction options to market participants includes determining a prediction framework that includes a plurality of conditional scenarios. The method and apparatus includes calculating realization odds for each of the conditional scenarios using an approximation calculation technique and via an interface, receiving a plurality of predictions associated with selected conditional scenarios, each prediction having an associated value and building the prediction-based market using the predictor. The method and apparatus further includes updating realization odds for each of the conditional scenarios in the prediction framework using the approximation calculation technique and settling the predictions based at least on the updated realization odds. | 10-08-2009 |
20090254476 | METHOD AND SYSTEM FOR MANAGING PERSONAL AND FINANCIAL INFORMATION - A system and method for managing personal and financial information is provided. The method involves: receiving financial transaction information for a purchase of the user, together with at least one attribute associated with the financial transaction information; storing the financial transaction information in association with the at least one attribute; and making the financial transaction information available for use under the control of the user. The attribute may be a financial account identifier, a financial account type, a purchase type or a purchase identifier. The method may also involve receiving a purchase location attribute defining a location for the purchase; determining a current location associated with a user mobile device using a global positioning system; and transmitting, if the purchase location attribute does not match the current location, a message to the mobile device for fraud detection purposes. | 10-08-2009 |
20090259587 | Commissions Futures Trading - Implementing a method for trading commissions includes purchasing an expected commission payment from a real-estate agent or real-estate brokerage firm in exchange for a payment of funds to the real-estate agent or the real-estate brokerage firm. The expected commission payment is associated with a real-estate transaction. Funds are transferred in exchange for the expected commission payment. The right to the funds is not conditioned on completion of the real-estate transaction. | 10-15-2009 |
20090265268 | METHOD AND SYSTEM FOR MATCH MAKING IN VIRTUAL CURRENCY EXCHANGE - A method, system and computer program product are disclosed for matching virtual currency exchange requests. The method comprises the step of creating a virtual currency exchange network comprised of a set of nodes and a set of edges connecting the nodes together. Each of the nodes represents a virtual currency type, each of the edges represents a virtual currency exchange request, and one of the edges represents a current virtual currency exchange request. A plurality of paths are identified in the network as potentially fulfilling the current virtual currency exchange request. Each of these paths is comprised of at least two edges of the network, and each of the paths represents one way to fulfill the current virtual currency exchange request. One of those paths is selected, using a defined set of criteria, as an optimal path for fulfilling said current virtual currency exchange request. | 10-22-2009 |
20090265269 | System and Method for Providing a Swap System in a Network Environment - A swap system is provided that includes an interchange platform operable to receive and process transaction information from one or more companies that are included in a group of network companies. The transaction information being generated by one or more end users transferring a first monetary value from a first gift card issued by a first company, belonging to the group of network companies, to a universal card such that the universal card reflects a discounted second monetary value. The end user can use the universal card in a transaction involving a second company belonging to the group of network companies. The first company is required to credit back a majority of the first monetary value through the swap system. In more particular embodiments, a swap network entity is provided that receives a fee based on transactional activity in the swap system. | 10-22-2009 |
20090271313 | METHOD AND SYSTEM FOR BALANCE ACCOUNT UTILIZATION - Methods and system for balance account utilization are described. In one embodiment, a balance account may be linked to a credit card account of a user. A determination of whether there is an amount due for the credit card account may be made. A determination of whether at least a minimum payment has been received for the amount due by a due date may be made. Funds from the balance account may be accessed based on the linking and a failure to receive at least the minimum payment by the due date. A balance payment may be processed on the due date for the credit card account with the funds from the balance account. | 10-29-2009 |
20090276354 | METHOD AND SYSTEM FOR TRANSACTION PROCESSING - Methods and system for transaction processing are described. In one embodiment, a plurality of default parameters may be configured for value transfer. A transfer request including a transfer amount and a user account identifier may be received. One or more of the plurality of default parameters may be selected. The transfer request may be processed in the transfer amount based on the user account identifier and the one or more selected default parameters. | 11-05-2009 |
20090281941 | System and Method for Managing the Generation, Collection and Distribution of Contributions from the Use of Payment Cards - A system and method for managing the generation and the collection of financial contributions from holders of payment cards ( | 11-12-2009 |
20090281942 | SYSTEMS AND METHODS FOR DONATING - Disclosed are systems and method for donating. | 11-12-2009 |
20090281943 | Systems and Methods for Collecting Bonds and Fines for Warrants and Traffic Tickets - Systems and methods are provided that allow law officers to carry out financial transactions with individuals having outstanding warrants who might otherwise be arrested. The system includes a wireless (typically cellular based) credit card/debit card transaction unit carried by the law officer during the process of serving the warrant, or during a traffic stop, wherein an outstanding warrant is identified. The system further includes a wide area network (Internet) connection that facilitates record keeping functionality associated with the posting of the bond or payment of the fine by the individual being addressed by the law officer. The appropriate financial transaction computer systems convey payment or posting of the bond to a database associated with the police station or the like. Likewise, wide area network (Internet) connections to databases associated with the judicial courts that may have issued the warrants are also secured for the purposes of verifying the posting of the bond or the payment of the fine. The real time updating of records in each of the various agency databases provides the necessary security for both the individual on whom the warrant is served, and for the agencies involved in executing the warrant. | 11-12-2009 |
20090287599 | Monetary Transfer Approval Via Mobile Device - A mobile monetary transfer approval process is provided that allows clients to approve or reject monetary transfer requests by utilizing the client's mobile device, such as a cellular telephone and/or personal digital assistant (PDA). From such a client mobile device, user may view pending outgoing and incoming payments and approve or reject them in real time. In addition, an alert may be sent to the client mobile device responsive to the monetary transfer request being initiated. This may allow the client using the client mobile device to know when it is appropriate to go through the approval process, rather than having to periodically check for new monetary transfer requests. | 11-19-2009 |
20090287600 | AUTOMATICALLY UPDATING RECORDS OF CORPORATE EXPENSE SYSTEMS USING CATEGORY SPECIFIC PAYMENT MECHANISMS BASED ON POINT OF SALE ACQUIRED DATA - A solution for charging purchases and tracking corporate expenses. In the solution, at least one payment artifact having credit allocations specifically associated with an expense category of a corporate expense management system can be established. A purchase transaction involving the payment artifacts can be identified. An expense category can be automatically determined based upon a payment artifact used for the purchase transaction. Records of the corporate expense management system can be automatically updated based upon the purchase transaction. | 11-19-2009 |
20090287601 | Network-Based Viral Payment System - A system and method for transferring funds among registered and unregistered users of a value exchange system comprises a server system for receiving value exchange instructions from a sender, where the value exchange instructions include a recipient who may not be registered with the system. The value exchange instructions initiate a computer-generated sequence for authenticating the identity of the recipient, permitting the recipient to designate a payment method, and transferring funds to properly authenticated recipients. | 11-19-2009 |
20090292639 | INTERCOMPANY TRANSFER PROFIT TRACKING SYSTEM - A system receives an intercompany transfer of a plurality of goods from a first entity to a second entity. The intercompany transfer results in an internal profit/loss. The system stores the internal profit/loss in a first entity internal profit/loss element that is assigned to the second entity. The system then receives a external transfer from the second entity to an external entity of at least one of the plurality of goods. The system then automatically realizes a portion of the internal profit/loss for the first entity based on the external transfer and the first entity internal profit/loss element. | 11-26-2009 |
20090299897 | METHOD AND APPARATUS FOR PROVIDING AN AUTOMATED CONTENT TIME-SHARING SERVICE - A method and apparatus for providing an automated content time-sharing service to a plurality of participants are disclosed. A user accesses a service platform, (e.g., via a Web site), that provides the service, and selects content, (e.g., a written, audible and/or visual work), offered by the service platform. The user interacts with the service platform for scheduling access to portions of the selected content, and identifying and grouping participants, (which may include the user), whom are to be granted access to the content portions. The user may also further interact with the service platform to generate content portion-forming information, (e.g., number and/or order of content portions). A dedicated Web space is provided for each group of participants to access and post communications about the selected content portions. The communications are then are archived according to the time interval during which the communications were posted. | 12-03-2009 |
20090299898 | METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount. | 12-03-2009 |
20090307129 | COMMUNITY-BASED WORK VALUE SYSTEM AND METHOD - Disclosed herein are a system and method to identify one or more tasks, determine a community corresponding to an identified task, receive input from the determined community, e.g. valuation input, suggestions on a performer of the task, inquiry input, etc. A value is assigned for the task using input received from the determined community. The determined community that values the task may be responsible for paying an amount equal to the value of the task identified by the community in exchange for performance of the task. | 12-10-2009 |
20090313164 | METHOD OF ESTABLISHING AN ENDOGENOUS FUTURES MARKET FOR POLLUTANT EMISSION FEES - The method of reducing emissions of a pollutant by relying on a novel endogenous futures market to set the pollutant emission fees. The individual marginal cost (m | 12-17-2009 |
20090327121 | MONETARY GIFT REGISTRY METHODS AND SYSTEMS - A method of operating a monetary gift registry includes registering one or more recipients with the monetary gift registry and creating an account for each registered recipient. Each account has a unique account identifier. Transfers of monetary value are received from one or more senders, each transfer of value accompanied by the unique identifier of one of the accounts. The deposits are accumulated into the respective accounts based at least in part on unique identifiers, and funds from at least one account are distributed. Funds may be distributed to at least one registered recipient for whom an account was created, or to a third-party merchant. At least one transfer of monetary value or distribution of funds is capable of being performed through a consumer-oriented money transfer network, or both | 12-31-2009 |
20090327122 | METHOD AND SYSTEM FOR FACILITATING CHARITABLE DONATIONS - Disclosed is a system and method for facilitating charitable donations. A first possible outcome of a game is associated with a first charity, online wagers against the first possible outcome are accepted and in response to the first possible outcome actually occurring, all, or a portion, of the wagered sums are electronically credited to an account associated with the first charity. | 12-31-2009 |
20090327123 | METHOD FOR MINIMIZING OVERDRAFT CHARGE-OFF - A method for minimizing overdraft charge-off in a bank account includes:
| 12-31-2009 |
20090327124 | Altering Card-Issuer Interchange Categories - This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions. In some embodiments, the tools receive parameters for interchange categories and transaction information for merchants that have been charged interchange fees based on some of these categories. The tools may determine, based on these parameters and transaction information, how parameters may be changed to enable similar credit-card transactions to be assigned a lower-cost interchange category and the accompanying potential fee savings. | 12-31-2009 |
20100005023 | SYSTEM AND METHOD FOR PROVIDING TRANSACTIONAL CREDIT - System and method for a second credit card issuer to provide transactional credit to a credit cardholder of a first credit card issuer, when the cardholder's account with the first issuer is in good standing and has an available credit balance equal to, or greater than, a proposed financial transaction with a merchant who does not accept the credit card of the first issuer, but does accept the credit card of the second issuer. The second issuer may charge a convenience fee to the customer, merchant, first credit card issuer, or any combination of them, for providing the transactional credit. Additionally, the second issuer may provide transactional credit to a customer to complete a financial transaction, via a reactivated credit card account of the second issuer, when the customer has a closed credit card account of the second credit card issuer that was closed in good standing. | 01-07-2010 |
20100010931 | Method and System for Reporting Cashflows to Clients - A system and method of providing a client with cashflow monitoring during a transfer of services (e.g. pre-authorized debits and credits) from a first account to a second account, the method comprising the steps of: (i) determining an effective date for the transfer of each service, said effective dates creating a transfer window; (ii) determining cashflows for said first account and said second account during said transfer window; (iii) adjusting effective dates for transfer of each services to avoid cashflow interruptions in said first and said second accounts; and (iv) providing a cashflow analysis to the client that lists all the effective dates for each service transfer and predicted cashflows for said first and said second account during said transfer window. | 01-14-2010 |
20100017325 | MULTIPLE FINANCIAL ACCOUNT TRANSACTION PROCESSING - A computer-implemented method of point of sale transaction processing can include determining an identity of a user at a transaction site, identifying a plurality of financial accounts associated with the user, and for each financial account, accessing account information associated with the account. The method can include identifying a vendor type for the transaction site, selecting a financial account with which to process a transaction according to the vendor type and the account information for each of the plurality of accounts, and outputting the selected financial account. A list of financial accounts and incentives may be presented from which a user may select a particular financial account for processing the transaction. | 01-21-2010 |
20100023449 | MOBILE PAYMENT ADOPTION BY ADDING A DEDICATED PAYMENT BUTTON TO MOBILE DEVICE FORM FACTORS - Embodiments presented herein generally relate to a novel mobile device containing a near field communication (NFC) component. In embodiments, the mobile device includes a payment user interface device. The payment user interface device may be a button on a keypad or may be an icon on a user interface. In embodiments, only after activating, by depressing or selecting, the payment user interface device can allow a user to use the NFC component. In embodiments, the NFC component is powered off until the activation of the payment user interface device. | 01-28-2010 |
20100030685 | TRANSACTION ANALYSIS - Under the present invention a transaction is processed and analyzed for potential fraud or error. Specifically, a description of a (proposed) transaction is accessed. Among other things, the description contains an expected set of events (e.g., derived from historical data). As the transaction is being performed a set of multimedia devices will record the same. The multimedia signal(s) from the set of devices will be analyzed to determine what event(s) actually took place. The actual event(s) will be compared to the expected event(s) to determine if any deviation/difference exists. If there is a difference, and it is beyond a predetermined tolerance, a notification can be generated. Regardless, a log of the activities will be kept. | 02-04-2010 |
20100030686 | RETIREMENT PAYCHECK APPARATUS AND METHODS - Apparatus and methods for providing funds to a bank customer. A bank customer may have a retail bank account in the custody of a bank. The bank may provide retail banking services to the bank customer in connection with the retail bank account. After providing the retail banking service, the bank may electronically link a retirement fund management module to the bank account. The retirement fund management module may be configured to transfer a predetermined amount of retirement funds into the bank account. The transfer may be made in accordance with rules. The rules may be selected by the bank customer. | 02-04-2010 |
20100036767 | Reserving amount of payment from financial account balance - In response to a payor planning a specific payment for a given amount to a payee, the given amount is reserved from a balance of a financial account of the payor from which the specific payment is to be made. As such, the given amount reserved from the balance is only available for settling the specific payment and is otherwise unavailable. After the payor has planned the specific payment for the given amount to the payee, in response to the specific payment for the given amount actually being made to the payee, the given amount reserved from the balance of the financial account is used to settle the specific payment for the given amount being made to the payee. | 02-11-2010 |
20100036768 | SHARE OF WALLET BENCHMARKING - Signals are received representing transactions made by a customer or domestic unit during a given period from a plurality of financial institutions. The transactions affect one or more accounts of the customer or domestic unit at each of the plurality of financial institutions. Data are stored representing the transactions in a machine readable storage medium. At least one benchmark is computed. The benchmark is in part based on a portion of the data corresponding to one or more of the accounts of the customer or domestic unit at a first one of the plurality of financial institutions and in part based on the data corresponding to all of the one or more accounts of the customer or domestic unit at all of the plurality of financial institutions. Data representing the benchmark are transmitted to the first financial institution. | 02-11-2010 |
20100042535 | CURRENCY DISPLAY - Actual currency is shown displayed on a user device, where the currency represents an amount of money selected by the user. For example, if the user selects $86.21 for U.S. Dollars, the display will show four twenty dollar bills, one five dollar bill, one one dollar bill, two dimes, and one penny. | 02-18-2010 |
20100042536 | System and method of transferring funds - A system for transferring funds can include a database with information about a routing number including ACH transfer information and wire transfer information. The system can include a conversion module configured to receive an ACH transfer file including an associated routing number, access the database to retrieve wire transfer information, and convert the ACH transfer file to a wire transfer file. The system can include an implementation module configured to perform a wire transfer using the wire transfer file. The wire transfer can be a batch wire transfer. The conversion module can use the associated routing number from the ACH transfer file to retrieve wire transfer information for the associated routing number from the database. | 02-18-2010 |
20100049652 | Automated System For Generating Philanthropic Donations Using Credit or Debit Cards - A method for using a credit or debit card for making a donation to a charity, may include the steps of selecting a charity for donations, selecting an amount for the donation based upon a purchase using the credit card, charging the credit card for the donation when the purchases made. The step of selecting of the amount may include selecting a fixed percentage of the purchase price using the credit card, and the step of selecting the amount may include the step of selecting of selecting a one time donation using a credit or debit card, or a fixed amount for certain types of transactions. The fixed percentage may be a fixed percentage of the purchase price, and the amount of donation may be based on the type of purchase with the credit card. The amount of donation may vary based upon the type of purchase with a credit or debit card. | 02-25-2010 |
20100057611 | System and method for implementing financial assistance programs - A system and method to provide food stamp benefits to recipients. The state agency responsible for distributing food stamp benefits to eligible recipients employs an issuer to produce consumer access devices for distribution to the recipients. The consumer access device is encoded with information enabling the food stamp recipients to purchase specified items from merchants. By imprinting the consumer access device with indicia identifying a commercial payment processing network and employing the commercial payment processing network to process the transactions, transaction funded by the food -stamp program will appear to be credit or debit transactions personally funded by the food stamp recipient. | 03-04-2010 |
20100070408 | system and method for providing secondary financing - The present invention provides secondary financing, and financing assistance, to defray the need for increased buyer income or higher home valuations. Thus, the present invention provides a system and method that allows for the access and securing of third party loans for secondary financing to enable the purchase of a primary loan of greater value, and for a revolving line of credit and funds to replenish the third party loans. | 03-18-2010 |
20100070409 | Healthcare Card Incentive Program for Multiple Users - A computer-implemented method and system to facilitate a purchase by at least first and second cardmembers using respective transaction instruments associated with a single tax-advantaged account. A request from a merchant to charge a purchase by the first cardmember against the tax-advantaged account for a transaction using the first transaction instrument is received at a host computer. A determination is made whether the first cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the first cardmember charge only if the first cardmember charge is determined to be for a covered tax-advantaged expense. A request is received from a merchant to charge the second cardmember against the tax-advantaged account for a transaction using the second transaction instrument. A determination is made whether the second cardmember charge is for a covered tax-advantaged expense. The tax-advantaged account is credited with points associated with the value of the second cardmember charge only if the second cardmember charge is determined to be for a covered tax-advantaged expense. | 03-18-2010 |
20100082478 | APPARATUS & METHODS FOR DIGITAL CONTENT DISTRIBUTION - The present invention relates to methods and apparatus for digital content distribution. A method of transferring digital content from a first entity ( | 04-01-2010 |
20100088225 | METHODS, APPARATUSES, AND COMPUTER PROGRAM PRODUCTS FOR PROVIDING ELECTRONIC VALUE CERTIFICATES - A method, apparatus, and computer program product are provided, which may provide electronic value certificates. An apparatus may include a processor configured to access a moblet template from a moblet template provider. The processor may also be configured to customize the moblet template to define a moblet. The processor may further be configured to add value to the moblet. The processor may additionally be configured to provide the moblet to a remote device. The processor may also be configured to receive an update to the moblet. Corresponding methods and computer program products are also provided. | 04-08-2010 |
20100088226 | System and Method to Facilitate Charitable Giving - The invention comprises a process, design, and conceptualization of a global philanthropic fundraising effort, centered around a special day of recognition for each individual citizen in the USA and worldwide. The funds derived from pledges are to be used for charitable giving for such needs as Global AIDS and World Hunger. The invention enables a website and toll-free phone system that allows an individual to highlight the recognition of a person's special celebration with a nominal gift of giving back to the less fortunate and those in the world who are in most desperate need by making a monetary pledge to a charitable organization. In return, the pledge person or designated recipient will receive a personalized E-GRAM or recorded telephone call from an important, nationally or internationally known, celebrity. | 04-08-2010 |
20100094751 | APPARATUS AND METHODS FOR ENFORCING PURCHASE AGREEMENTS - Systems, apparatus, articles of manufacture and methods are provided for establishing (e.g., online) a buyer price for a first plurality of products. In one embodiment, the buyer price is lower than a retail price of the first plurality of products. A second plurality of products that the buyer has actually received during the subsequent transaction is determined. A penalty may be assessed if the first plurality of products does not correspond to the second plurality of products. | 04-15-2010 |
20100100476 | OFFSET OPTIMIZATION SYSTEM - Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit. | 04-22-2010 |
20100100477 | COMPUTER NETWORK BASED SYSTEM AND METHOD FOR EDUCATION ACCOUNT REGISTRATION, INVITATION AND TRACKING - A web based system and method allows an adult relative or custodial adult subscriber to notify others of the pending special occasion for the designated person (beneficiary). The subscriber is provided the option to post family pictures and to set up a transfer account. The list of transfer accounts is then emailed or mailed notification of said date and is directed to the web site. The web site directs the invited persons to transfer money to the account. The transfer account's purpose is to allow financial gift giving for the custodian's designated account and purpose. The account is directed for educational and or special needs. The custodial recipient receives a notification of each gift. | 04-22-2010 |
20100100478 | METHOD AND SYSTEM FOR TRANSFERRING STORED VALUE - A method and system are provided for transferring value from a value provider. A request initiated by a value owner to transfer value from the value provider to a recipient is received. An exchange provider receives the value in accordance with the request. The exchange provider includes a processor that converts the received value into a converted form. The converted value is then transmitted to the recipient by the exchange provider. | 04-22-2010 |
20100100479 | Systems and Methods for Transaction and Information Management - Systems or methods for managing transactions within a controlled environment facility provide an information management engine integrating transaction functionality and telephone calling functionality, establish an account associated with a resident of the controlled environment facility, and use the information management engine to conduct transactions associated with residents of the controlled environment facility. The transactions include at least requests, by the resident, for deposits into the account by a party outside of the controlled environment facility. The systems or methods accept requests from the resident and utilize the telephone calling services of the information management engine to facilitate the request for deposit. The systems or methods may place calls to the individuals outside the controlled environment facility to interact with the individual, request the deposit and accept such deposits. | 04-22-2010 |
20100114759 | METHOD AND SYSTEM FOR INTEGRATING SAVINGS AND CREDITS WITH DIFFERENT INTEREST RATES - A method and system for operating a new financial instrument and payment card integrates savings and credit transactions belonging to the same payment plan into a single account. Transactions can be carried out at different periods in time, for any amount, agreed on with different fixed or adjustable interest rates, without losing the payment conditions of each savings and credit. A financial account card as a financial instrument can be used to carry out long, medium and short-term savings and credit financial transactions. The card can also be used as a payment card to buy and sell anything of value. The card is operated through financial institutions and service centers by a computer system, which manages transactions between cardholders themselves and with financial institutions, maintains account balances, determines installments for debt and savings balances, manages available credit limits and guarantees, and manages other financial and payment services. | 05-06-2010 |
20100114760 | ONLINE INTERACTIVE ISSUED ACCOUNT ACQUIRED TRANSACTION INFORMATION MANAGEMENT - A single point of access and an integrated user experience for a set of tools are provided for a payment processing system that includes a transaction handler in communication with issuers and acquirers for the processing of payments from the issuers to the acquirers. The tools include: (i) commercial reporting; (ii) expense management; and (iii) account program management tools that are used by (a) issuers who issue the accounts for the cards to account holders and by (b) the account holders. Multiples services are integrated as relevant to specific audiences through an entitlement process, where a single point access is allowed. Applications, which can be developed and/or hosted independently, are accessible through a common interface. | 05-06-2010 |
20100114761 | AREA TRIM SERVICE BUSINESS METHOD - A method for manufacturing integrated circuits (“ICs”) is disclosed. The method pertains to providing third-party technology in the form of an IC design library to foundry customers for designing IC products using alternate rule sets. Aggressive rules pertaining to IC layout are used to reduce device size, resulting in more device per wafer for the customer. The method includes a library creator creating a slim cell library, a slim cell library being provided to a customer to enable the customer to generate a slim IC design; an IC fabricator charging the customer a per-wafer premium to fabricate the slim IC design; the IC fabricator providing a first portion of the premium to a first entity, wherein the first entity is a contributor of technology for enabling creation of the slim cell library; and the IC fabricator providing a second portion of the premium to the library creator. | 05-06-2010 |
20100121763 | Method and apparatus to facilitate using a virtual-world interaction to facilitate a real-world transaction - One presents ( | 05-13-2010 |
20100131407 | System and Method of Providing Replenishment and Pick-up Services to One or More Cash Handling Devices - A transport carrier (i.e., an armored vehicle or any mode of transportation) may be equipped with cash storage and recycling capabilities. The transport carrier may be equipped to replenish funds as needed and/or pick up a surplus of funds. The transport carrier may be in communication with a financial institution and/or a central server. In some arrangements, the central server may dynamically route the transport carrier to cash handling devices as various locations in order to efficiently meet the needs of the devices and associated clients. | 05-27-2010 |
20100138337 | MEDIA PURCHASE FROM WITHIN A VIDEO GAME ENVIRONMENT - In one example, a media purchase system is provided. The media purchase system includes: a media manager module that selectively coordinates a media file with an operating scenario in a video game; a selection manager module that manages a selection of the media file for purchase in the video game; and a media purchase module that manages a purchase of the selection in the video game. | 06-03-2010 |
20100138338 | INTELLIGENT ALERT SYSTEM AND METHOD - A system and method for generating an intelligent alert message is disclosed. A user enrolls in the messaging service. Information that the user provides during the enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An intelligent alert message is generated based on the transaction data and the alert customization data. The intelligent alert message is sent to a user device. For example, after a user uses a portable consumer device to buy gas at a fuel dispenser in a gas purchase transaction, an alert message that is received by a user's phone may be “This is a gas purchase transaction. The amount may vary.” In this example, the amount of the purchase is not known until after the user buys gas. | 06-03-2010 |
20100138339 | METHOD AND SYSTEM FOR AN ONLINE-LIKE ACCOUNT PROCESSING AND MANAGEMENT - The present invention is embodied in an online-like transaction processing method and system for processing account information contained in batch process files, the method including: reading at least one batch file containing a plurality of records, each of the plurality of records being related to an associated one of a plurality of accounts; identifying which of the plurality of records relate to same ones of the plurality of accounts; identifying one of the accounts; and, processing all of the records identified as relating to the one of the accounts together and independent of processing any of the records relating to any other of the plurality of accounts. | 06-03-2010 |
20100145848 | System and Method for Providing Credit Card with Back-End Payment Filtering - A credit card transaction processing system that, in various embodiments, is configured for: (1) receiving transaction data related to a reimbursable charge made on the credit card by a credit card holder; (2) analyzing the transaction data to determine whether the charge may be auto-substantiated; (3) in response to determining that the charge may be auto-substantiated, auto-substantiating the charge; and (4) in response to the charge being auto-substantiated, reimbursing the credit card holder for at least a portion of the charge at least substantially without human intervention. | 06-10-2010 |
20100145849 | SPENDING VEHICLES FOR PAYMENTS - A system and method for associating payments with spending vehicles so that an individual who is entitled to receive periodic or special payments such as social security checks receives in place of the payment a spending vehicle such as a discount card, rebate, or coupon for use with purchases of the sponsor's products or services. Sponsors include companies and organizations interested in offering purchase incentives to their customers. An individual who wishes to receive a spending vehicle rather than the regular payment selects the spending vehicle he or she would like to receive. The individual then assigns his or her right to receive the payment to a third party. The third party then arranges to give a spending vehicle to the individual and to transfer the individual's payment to the sponsor of the spending vehicle. The third party may take a portion of the payment as compensation for the service. | 06-10-2010 |
20100153261 | System and method for providing transaction classification - A method and system provide transaction classification. The method and system provide an extensible markup language (XML) representation of real transaction instance data collected from a data collection agent, provide an XML based rule engine that enables a user to define a classification rule for classifying the real transaction instance data, and provide a user interface to enable the user to navigate among the real transaction instance data to define the classification rule. | 06-17-2010 |
20100153262 | SYSTEM AND METHOD FOR ADMINISTERING INSURANCE AND LOAN ACCOUNTS - A computer system for administering an insurance policy and a loan made to the insured, includes a processor and a memory in communication with the processor. The processor is adapted to: access from the memory storage device data relating to the insurance policy and the loan; determine, based on the accessed data, an amount of a withdrawal from the insurance policy and an amount of a payment on the loan; determine, by deducting the amount of the payment on the loan from the amount of the withdrawal, an amount of a payment, if any, to the insured; and provide output signals to a payment system to implement the payment on the loan and the payment, if any, to the insured. | 06-17-2010 |
20100153263 | CONDITIONAL COMPENSATION SYSTEM - This invention relates generally to software, and more specifically, to a conditional compensation system. In one embodiment, the invention includes an application server, the application server including a conditional compensation system, the conditional compensation system facilitating performance based compensation. In a further embodiment, the conditional compensation system includes an instrument component, the instrument component configured to establishing at least one instrument; an event management component, the event management component configured to adjusting the at least one instrument; and a payment component, the payment component configured to issuing at least one payment in accordance with the at least one instrument. | 06-17-2010 |
20100161478 | Computer payment banking system and method - A computer payment banking system comprising a bank or financial institution, a sourced bank account, a sourced bank account holder, and a merchant. The bank or financial institution uses monetary funds from the sourced bank account to pay the merchant. The system is directed to processing of an online web-based purchase associated with the sourced bank account or holder. The system is directed to processing purchases made using a credit or debit instrument associated with the sourced bank account. A source of monetary funds for the sourced bank account includes, but is not limited to, a checking account, credit or debit instrument, online banking account, bank or non-bank line of credit, loan, financial account, and a combination thereof. Online access to rewards, financial reports, budget tools, or spending information of the sourced bank account holder may be provided by the bank or financial institution to the sourced bank account holder. | 06-24-2010 |
20100169211 | Communication system and information processing method - A network transaction server apparatus manages virtual world privilege information that is issued for a transaction that a user has conducted in a virtual world by manipulating a personal computer. A settlement server apparatus manages real world privilege information that is issued for a transaction that the user has conducted in a real world. In response to a request from the personal computer, the settlement server apparatus converts virtual world privilege information that is managed by the network transaction server apparatus into real world privilege information using a prescribed conversion factor. | 07-01-2010 |
20100174640 | Change Orders - Method, apparatus and system for setting up withdrawal change orders online or at a cash handling device for immediately retrieval and/or future retrievals of paper cash and coin. The change order may include specific requested denominations of paper cash and/or coins. The change order may also include a specific location that the user wishes to retrieve the cash at. Upon authentication of the user at the requested cash handling device within the time-frame specified, the user may receive the change order requested automatically. | 07-08-2010 |
20100174641 | Deposit of Coins into a Financial Account - Method, apparatus and system for receiving coins and generating a certificate for depositing the sum of received coins in a banking account. The user may redeem the certificate in an already existing bank account or may enroll into a new banking account and receive immediate access to the funds redeemed. | 07-08-2010 |
20100174642 | SOLAR POWERED UTILITY - Systems and methods for providing renewable energy to rural communities employ a solar powered charger and a key configured to activate the solar powered charger, where the solar powered charger is enabled for one or more charge and discharge cycles to provide electrical energy to a device configured to be operated or charged by the solar powered charger. | 07-08-2010 |
20100179905 | Web-Based Coordination of Volunteer Sign-Up Sheets - A light-weight, easy to use, commonly accessible, sign-up sheet that can be sent to volunteers and/or participants on email or social media vehicles. The sign-up sheet preferably has some or all of the following features. In some cases, the sign-up sheet auto-updates and keeps everyone informed. It preferably aids the organizer (and volunteers) in dealing with changes to the sign-up sheet. In one aspect, organizers can pre-assign volunteers to tasks. The sign-up sheet, preferably at all times, helps all parties involved to keep an accurate and current record of commitments to tasks, including commitments of time, items and payments, without the need to resort to multiple unnecessary broadcast emails. The platform preferably allows the organizer to send automated reminder emails to volunteers at the right time with the correct information. | 07-15-2010 |
20100191644 | COMMUNITY COVENANT RULES AND GUIDELINES ENFORCEMENT SYSTEM AND METHOD - A method of enforcing community covenant rules and guidelines by managing events within a community using a computer system, the method comprising providing a plurality of potential violation events; selecting at least one potential violation event from the plurality of violation events; associating a violation event remedy to the selected at least one potential violation event; and associating a optional delay with the associated violation event remedy, the at least one violation event remedy being adapted to be enforced when the optional delay associated therewith is expired. A system and a user graphical interface providing same are also provided herein. | 07-29-2010 |
20100191645 | PAYMENT APPLICATION FRAMEWORK - Embodiments of the present invention provide a payment application framework. In an example embodiment, a request at a payment facilitator is received. The request may comprise a list of receiving parties and an indication of an amount to transfer to each of the receiving parties. A transfer of a single payment from an account of a sender to respective accounts of the receiving parties based on the request may then be processed. | 07-29-2010 |
20100198721 | Management of Dematerialized Safes - The invention pertains to the management and sharing of dematerialised safes, and relates to a method for managing a secured storage space (C | 08-05-2010 |
20100198722 | Biometric Risk Management - The present invention provides methods and systems for managing Risk by associating a biometric profile with other data relevant to a Risk subject. Computerized systems can receive informational data that relates generally to Risk variables and relate the information to known biometric profiles. Compiled information can be situated and conveyed to a compliance department and be able to demonstrate to regulators that a financial institution has met standards relating to Risk containment. | 08-05-2010 |
20100211498 | RECORDATION OF ELECTRONIC PAYMENT TRANSACTION INFORMATION - A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. An account holder is enabled to generate transaction related data and append that data to a transaction record or transaction identifier. The appended data and transaction record or identifier may be stored in the mobile payment device and/or provided to an Issuer. If provided to an Issuer, the transaction related data generated by the account holder may be used to supplement an account statement. The additional information generated by the account holder may be used to assist the account holder in determining if a transaction is valid by providing information that helps the account holder to recall the location or other aspect of the transaction. | 08-19-2010 |
20100217704 | Consular Kiosks and Methods - The invention provides various systems and methods for implementing electronic transfers with government consulates. The method includes presenting an interface terminal to a customer, wherein the interface terminal is configured to receive input from the customer, and receiving, via the interface terminal, a selection of a country's consulate. The method further includes receiving, via the interface terminal, a consulate service type selection, and receiving, at an input device, documentation necessary to complete the selected service type. Furthermore, the method includes receiving, via the interface terminal, a payment for the selected service, and transmitting to the selected country's consulate the service type selection, the documents, and the payment to the selected consulate. | 08-26-2010 |
20100217705 | COMMUNICATION APPARATUS, AND CONTROL METHOD FOR COMMUNICATION APPARATUS - A communication apparatus includes an electronic payment unit configured to perform electronic payment processing via a short-range wireless communication, an acquisition unit configured to acquire, via the short-range wireless communication, a service parameter required for utilizing a public wireless local area network (LAN) service, by performing the electronic payment processing, and a transfer unit configured to transfer the acquired service parameter to a second communication apparatus. | 08-26-2010 |
20100228666 | Vehicle Lock Box - A relocatable and remotely actuatable vehicle security system. In some embodiments, the vehicle security system includes a relocatable structure forming an enclosure over a parking surface and an electronic actuation system. The relocatable structure has a closeable opening through which a vehicle enters and leaves the enclosure. The electronic actuation system is configured to actuate a drive mechanism to close the opening or to expose the opening upon receipt of a remotely generated signal. | 09-09-2010 |
20100228667 | SYSTEM AND METHOD FOR ON-STREET PARKING REVENUE MODEL FOR ELECTRONICALLY COLLECTING FEES - A system and method for collecting on-street parking revenue. The method utilizes a device which establishes a link with a server. Once the device is validated and the location of the vehicle is established, a message is transmitted to the device with the parking rates for that location. The time that the vehicle is parked at the location is tracked. The parking charges are collected electronically by charging the user's account based upon the parking rates and the time that the vehicle was parked at that location. | 09-09-2010 |
20100235274 | Anti-terror platform for securing a community against terrorisms - An anti-terror platform for securing a community against terrorisms is disclosed. The platform includes following elements: (1) an anti-terror system, with an anti-terror server via a closed network connecting to a plurality of pre-contracted stations, wherein the closed network isn't invaded by a hacker; (2) an inputting frame, configured in the pre-contracted stations for inputting and transmitting terror data to the anti-terror server; (3) an anti-terror database, configured in the anti-terror server and maintained by an anti-terror expert system for receiving and correlating the terror data with historic terror data of the anti-terror database; (4) a resolving module, configured in the anti-terror server for estimating a probability of terrorism based on a result correlated by the anti-terror database and obtaining a terror warning according to the probability; and (5) a broadcasting module, configured in the anti-terror server for informing the pre-contracted stations of the terror warning. | 09-16-2010 |
20100235275 | Card Processing - An exemplary system is adapted for designing card processing models, generating code for card processing systems from the models, testing the code, and executing card processing systems. A model content repository stores elements for card processing models. An integrated development environment allows users to access the model content repository and design card processing models. A deployment manager is adapted to compile and test card processing models that have been defined and stored in the model content repository. The compiled code is executed in a platform runtime environment. Information that is collected from an executing card processing system is communicated to the integrated development environment where the information may be presented to a user. | 09-16-2010 |
20100241559 | FINANCIAL SOCIAL NETWORKING - Apparatus and methods for providing an online financial social network service to a user. The method may include storing in a computer information about a financial goal of a first user. The method may additionally include receiving instructions to present a display reflecting the stored financial goal information. The method may also include authenticating a second user to access the first user online financial social network account. | 09-23-2010 |
20100241560 | METHOD, SYSTEM, AND APPARATUS FOR DISTRIBUTING ELECTRICITY TO ELECTRIC VEHICLES, MONITORING THE DISTRIBUTION THEREOF, AND/OR PROVIDING AUTOMATED BILLING - An electricity distribution, monitoring, and control system for recharging electric vehicles. The system may include a plug outlet device having a sensor, and a plug adapter apparatus having a tag. The tag may communicate with the sensor when the plug adapter apparatus is coupled to the plug outlet device. An electric vehicle receives an electric charge from the plug outlet device after an identification number associated with the tag is verified by a remote server. Alternatively, a plug outlet device includes a tag, and an electric vehicle has attached thereto a monitoring and communication device, which may include a sensor. The sensor may communicate with the tag when the electric vehicle is proximally located to the plug outlet device, and obtain authorization from a remote server or the outlet device to charge the electric vehicle. A user account is automatically billed and a provider account is automatically credited. | 09-23-2010 |
20100250432 | Systems and methods for bankarizing real estate properties and increasing their yield - Methods and systems for bankarizing real estate properties and increasing their yield. These methods and systems include receiving by a financial institution mortgage certificates, each mortgage certificate representing a first rank mortgage of a real estate property for the benefit of the financial institution. These mortgage certificates can be pledged by the financial institution to get loans. In exchange for the deposit of the mortgage certificates, the owners of the real estate properties get a fee from the financial institution. These methods and systems further include an agency running one or several databases, analyzing relevant information, evaluating the real estate properties object of the mortgage certificates, determining a standard value, issuing the mortgage certificates and producing reports to all parties. | 09-30-2010 |
20100250433 | PROVIDER RELATIONSHIP MANAGEMENT SYSTEM THAT FACILITATES INTERACTION BETWEEN AN INDIVIDUAL AND ORGANIZATIONS - A provider relationship management system (“PRM system”) is disclosed that enables an individual to manage information about and electronically interact with organizations. The PRM system presents an individual with a list of organizations that the individual may have a relationship with. The individual selects one or more organizations from the list to add the selected organizations to a personal provider directory. The individual uses the personal provider directory to manage information associated with each organization. The individual may seek to establish an interactive connection with one or more organizations in the personal provider directory. If a selected organization agrees to establish an interactive connection with the individual, the organization is permitted to communicate with and send electronic documents to the individual. Each document is associated with a document type, and the document type is associated with certain actions that may be taken with respect to the corresponding document. | 09-30-2010 |
20100250434 | Computer-Based Modeling of Spending Behaviors of Entities - Time series consumer spending data, point-in-time balance information and consumer panel information provide input to a model for consumer spend behavior on plastic instruments or other financial accounts, from which approximations of spending ability and share of wallet may be reliably identified and utilized to promote additional consumer spending. | 09-30-2010 |
20100262537 | ARTIFICIAL INTELLIGENCE SETTLEMENT SYSTEM FOR OPTIMUM CARD RECOMMENDATION SERVICE AND PAYMENT APPARATUS AND COMBINATION CARD PAYMENT TERMINAL FOR THE SAME - Disclosed herein is an artificial intelligence payment system for recommending an optimum card capable of providing a maximum benefit from among a plurality of cards issued to a user. The artificial intelligence payment system includes a payment apparatus ( | 10-14-2010 |
20100268642 | METHOD AND SYSTEM OF AGGREGATING CONSIDERATION ASSOCIATED WITH A REQUEST - In one embodiment, a method includes generating a request of an entity based on a set of attributes provided by an initiating patron of the entity using a processor of an initiator device. The method also includes associating an aggregation environment to the request. The method further includes allocating an initial consideration to the aggregation environment from the initiating patron. In addition, the method includes allocating, to the initial consideration, an additional consideration provided when a different patron contributes the additional consideration to the aggregation environment of the request using a processor of a supporter device. The method also includes allocating the consideration of the initiating patron and the different patron to the aggregation environment of the request to increase a value of the request to the entity in order to increase a possibility of the entity to respond to the request using a processor of an entity device. | 10-21-2010 |
20100274711 | Computer-based payment transaction system and repository - One embodiment of the invention relates, to a method of operating a payment transaction system maintained by a first party who receives an instruction for a first transaction. The instructed first transaction is directed from a second party to a third party, and includes a transaction date on which the payment transaction system is to give effect to the first transaction. The first party stores the transaction instruction into a database, and permits the third party to access those transaction instructions stored in the database that are directed to the third party. The first party then receives a request from the third party to bring forward at least in part the instructed first transaction. In response to the request, the first party re-directs the first transaction at least in part from the third party to the first party. In addition, the first party creates a new instruction for a second transaction in the system. The second transaction is directed from the first party to the third party and has a second transaction date which is prior to the first transaction date. | 10-28-2010 |
20100274712 | APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR PROVIDING A QUALITY CONTROL MECHANISM FOR THE CONTACTLESS INTERFACE OF A DUAL-INTERFACE CARD - Techniques for enabling performance of a quality control function on the contactless interface while the contactless interface is disabled are provided. The techniques include implementing, on a dual-interface payment device, one or more security mechanisms, wherein the dual-interface payment device comprises a first interface and a second interface, using the one or more security mechanisms to prevent a subset of data corresponding to the first interface from being read using the second interface while allowing data corresponding to the second interface to be read using the first interface, and personalizing the dual-interface payment device and the one or more security mechanisms according to one or more requirements of an issuer of the dual-interface payment device. | 10-28-2010 |
20100280940 | PROXIMITY PURCHASE RINGTONES - A method of conduction transactions at a point-of-sale terminal using a wireless device is disclosed and may include initiating a transaction with the point-of-sale terminal via a wireless link, receiving at least one price from the point-of-sale terminal, determining whether the at least one price satisfies a price warning condition, and transmitting a first audible signal if the at least one price satisfies the price warning condition. | 11-04-2010 |
20100280941 | METHOD OF MANAGING A CENTRALIZED PARKING PAYMENT SYSTEM, AND CENTRALIZED PARKING PAYMENT SYSTEM - A method of managing a centralized parking payment system ( | 11-04-2010 |
20100280942 | METHOD AND SYSTEM FOR FACILITATING SWITCHING OF FINANCIAL INSTITUTION ACCOUNTS - Techniques for switching a financial institution account for a debit account holder are provided. A request to convert a financial institution account is received from a customer. Information is obtained from the customer and used to identify a list of possible financial institution candidates. The list of possible financial institution candidates includes financial institutions that have an on-going relationship with an existing payment association and are interested in offering a new financial institution account to the customer. A new financial institution account is then established with a financial institution selected from a list of possible financial institution candidates. Then, the new financial institution account is linked to one or more additional accounts. The one or more additional accounts may be an account with the customer's existing payment association or accounts associated with any recurring transactions. | 11-04-2010 |
20100280943 | Mass Compromise/Point Of Compromise Analytic Detection And Compromised Card Portfolio Management System - A system and method for managing mass compromise of financial transaction devices is disclosed. A method includes maintaining a summary of a transaction history for a financial transaction device, and forming a device history profile based on the transaction history, the device history profile including predictive variables indicative of fraud associated with the financial transaction device. A method further includes generating a fraud score based on the predictive variables, the fraud score representing a likelihood that the financial transaction device is compromised will be used fraudulently. | 11-04-2010 |
20100287094 | METHOD AND APPARATUS FOR PAYMENT PROCESSING USING DEBIT-BASED ELECTRONIC FUNDS TRANSFER AND DISBURSEMENT PROCESSING USING ADDENDUM-BASED ELECTRONIC DATA INTERCHANGE - This disclosure describes a payment and disbursement system, wherein an initiator authorizes a payment and disbursement to a collector and the collector processes the payment and disbursement through an accumulator agency. The accumulator agency processes the payment as a debit-based transaction and processes the disbursement as an addendum-based transaction. The processing of a debit-based transaction generally occurs by electronic funds transfer (EFT) or by financial electronic data interchange (FEDI). The processing of an addendum-based transaction generally occurs by electronic data interchange (EDI). | 11-11-2010 |
20100293092 | FORECLOSURE PREVENTION AND PROTECTION - A method for process monitoring is disclosed. A borrower is offered a foreclosure prevention and protection plan associated with a secured loan. A periodic payment is received from the borrower in response to the borrower accepting the foreclosure prevention and protection plan. The foreclosure prevention and protection plan allows for at least a portion of a loan payment for the secured loan to be covered by a foreclosure prevention and protection (FPP) entity on behalf of the borrower in response to a covered event occurring. The foreclosure prevention and protection plan additionally may allow for paying/cancelling the debt's investor in response to loss of the property by the borrower. | 11-18-2010 |
20100299248 | Method and system to create and distribute excess funds from consumer spending transactions - The present invention provides a system for accumulating credits from a customer account belonging to the customer and managed by an institution and placing the credits into a provider account. The system includes an information processor including a data store with data identifying the customer, the rounding determinant, the managed institution, and the account. The data store includes data authorizing the processor to access and read the customer account and further includes data to calculate rounders after receiving a plurality of payment transactions from the read customer account and to calculate an excess based on the rounders. The data store also includes data to withdraw the excess from the customer account and data to transfer the withdrawn excess to the provider account. | 11-25-2010 |
20100299249 | SKU LEVEL CONTROL AND ALERTS - Embodiments of the present invention are directed to a system and method for determining the products involved in a transaction conducted with a subsidiary user of a payment account, and transmitting messages containing product specific information. Systems may be implemented to transmit product identifiers during payment processing. The product specific information may be included in alert messages sent to an account holder. | 11-25-2010 |
20100299250 | OFFSET OPTIMIZATION SYSTEM - Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit. | 11-25-2010 |
20100299251 | PAY YOURSELF FIRST WITH REVENUE GENERATION - The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods. | 11-25-2010 |
20100299252 | PAY YOURSELF FIRST WITH REVENUE GENERATION - The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods. | 11-25-2010 |
20100306102 | Web Service Network Portal - The present invention provides a method and apparatus for providing real-time, two-way transactional capabilities on the Web. Specifically, one embodiment of the present invention discloses a method for enabling object routing, the method comprising the steps of creating a virtual information store containing information entries and attributes associating each of the information entries and the attributes with an object identity, and assigning a unique network address to each of the object identities. A method is also disclosed for enabling service management of the value-added network service, to perform OAM&P functions on the services network | 12-02-2010 |
20100312692 | COMPACT PAYMENT TERMINAL - A compact payment terminal for operating upon a purchase made by a customer at a retail device is provided. The customer carries a mobile communication device that includes a payment module and a communication module. The compact payment terminal includes a first interface for interfacing with the retail device, a second interface for interfacing with the mobile communication device of the customer and a processing unit connected to the first and second interface. The compact payment terminal is configured to receive, via the first interface, a payment request from the retail device, cooperate, via the second interface, with the payment module of the mobile communication device for initiating a payment transaction respective to the payment request, and selectably conduct, via the second interface and the communication module of the mobile communication device, a communication session between the processing unit and at least one server. | 12-09-2010 |
20100312693 | SYSTEMS, PROCESSES AND COMPUTER PROGRAM PRODUCTS FOR THE MANAGEMENT OF INVESTMENT ACCOUNTS - The present invention relates to systems and processes for administering various automated guaranteed withdrawal features of annuity accounts and other types of investment accounts that include guaranteed withdrawal features. The present invention also encompasses related computer program products. | 12-09-2010 |
20100312694 | Mobile Electronic Transaction System, Device and Method Therefor - Disclosed herein is a system and method for conducting electronic transactions utilizing a wireless communications device or computer adapted to receive either a URL for accessing an indicia of value stored on a server or an image of the indicia of value. The present system further enables transmission of at least a portion of the indicia of value from one receiving device to another, and simultaneously deleting that transmitted portion from the first user's file on the server. The system also enables a user to transmit an SMS or text message containing information corresponding to an indicia to the server. The server then searches either its own database or that of another server for corresponding indicia. Once located, the server creates a separate file for the user containing that information and sends an SMS, including a URL, back to the device to enable the user to access that indicia. | 12-09-2010 |
20100312695 | MULTI CURRENCY EXCHANGES BETWEEN PARTICIPANTS OF A NETWORK-BASED TRANSACTION FACILITY - A method and apparatus for facilitating online payment transactions in multiple currencies between participants of a network-based transaction facility are described. In one embodiment, an exchange rate associated with a currency is stored in a database. The exchange rate is received from a third party system and is associated with a rate expiration date. One or more payment transactions conducted in the currency are also stored. A determination is made whether a determinable time period has expired, whereby the determinable time period is set to expire prior to the rate expiration date. In response to the determinable time period expiring, instructions are sent to the third party system to execute trades on the one or more payment transactions using the stored exchange rate. | 12-09-2010 |
20100325037 | TRANSACTION CARD ASSEMBLY WITH TRANSACTION CARD AND AUXILIARY ITEM - A transaction card assembly includes a transaction card, a foldable backer, and an article. The transaction card includes an account identifier fixedly connected thereto. The account identifier is machine readable by a point-of-sale terminal and links the transaction card to a financial account or record. The foldable backer supports the transaction card and defines an interior surface, an exterior surface opposite the interior surface, and a viewing aperture extending from the interior surface to the exterior surface. The article is coupled with the interior surface of the foldable backer such that a portion of the article is viewable through the viewing aperture when the foldable backer is in a folded configuration around the article. Stored-value cards, combinations, methods of facilitating use of a transaction product and other embodiments are also disclosed. | 12-23-2010 |
20100325038 | TRANSACTION CARD WITH OSCILLATING MEMBER - A transaction card includes a base member, an auxiliary member, and an account identifier. The base member defines a first surface, a second surface opposite the first surface, and a spiral cut extending through the base to define a spiral portion. The spiral portion is stretched to extend in a conic helical form in front of a portion of the first surface defined by a remainder of the base member. The auxiliary member is coupled to the spiral portion opposite the portion of the first surface defined by the remainder of the base member. The account identifier is fixedly connected to one of the base member and the auxiliary member. The account identifier links the transaction card to at least one of an account and a record and is machine readable by a point-of-sale terminal. Other cards, combinations and associated methods are also disclosed. | 12-23-2010 |
20100325039 | APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT FOR ENCODING ENHANCED ISSUER INFORMATION IN A CARD - Facilitating communications between an electronic payment device and an issuer host includes storing in the payment device a set of personalization parameters. A first set of status information indicative of available status information relating to the payment device is transformed into a second set of status information based on the set of personalization parameters, and/or a second set of actions is selected from a first set of actions indicative of available actions to be performed by the payment device based on the set of personalization parameters and an order received from the issuer for initiating at least one corresponding action in the payment device. The second set of status information includes a subset of the first set of status information; the second set of actions includes a subset of the first set of actions. The payment device transmits the second set of status information to the issuer and/or initiates the actions in the second set of actions corresponding to the order received from the issuer. | 12-23-2010 |
20100325040 | Device Authority for Authenticating a User of an Online Service - A method for authenticating a user of a third party online service includes steps for receiving a device identifier and registration information from a client device of the user, the registration information comprising data that links the device identifier with a third-party account, gathering reputational information regarding the third-party account from one or more reputational sources, associating the reputational information with the device identifier, verifying, in response to receiving a reputation request regarding the third-party account, a request source of the reputation request, and providing, in response to verification of the request source, the reputational information to the request source. The method may be executed by a device authority, such as a computer server, operating through a computer network. | 12-23-2010 |
20100325041 | SYSTEM AND METHOD FOR ENCODING INFORMATION IN MAGNETIC STRIPE FORMAT FOR USE IN RADIO FREQUENCY IDENTIFICATION TRANSACTIONS - A transaction device system is associated with a transaction device proxy account identifier, which may be stored in a database on the transaction device system. The proxy transaction device identifier may be stored on the database in any conventional merchant recognizable format. Additionally, the proxy transaction device identifier may be associated with a transaction account identifier for use in completing a transaction. The proxy transaction device identifier may include at least a first portion which corresponds to a portion of the transaction device identifier. The first portion of the proxy transaction device identifier may be segmented into proxy fields where a first segment includes a portion of a transaction account data set, and a second segment has encoded therein an account provider desired information. The proxy account identifier segments are undetectable by receiving systems such that the proxy account identifier emulates a merchant recognizable data transfer format. The account provider system may receive the proxy account identifier and uses the first portion of the transaction device identifier in a predetermined algorithm to reassemble the transaction device identifier for use in transaction completion. | 12-23-2010 |
20100332382 | PORTABILITY OF FINANCIAL TOKENS - A method determines that a first relationship between a holder of a portable consumer device and a first employer is terminated. In response to determining that the first relationship is terminated, the method also disassociates account information of the portable consumer device from the first employer while retaining an association between the portable consumer device and an issuer of the portable consumer device. In addition, the method establishes a second relationship between the employee and a second employer and links the account information of the portable consumer device with the second employer. | 12-30-2010 |
20110004546 | PAY YOURSELF FIRST WITH REVENUE GENERATION - The system identifies a revenue producing opportunity for a user. The system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system identifies a revenue producing opportunity for the user by matching user information with information regarding the opportunities. The system further provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, a community recommendation, minimizing penalties/fees associated with user's debts, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills, wherein the transfer of funds may include different funds transfer systems and methods. | 01-06-2011 |
20110004547 | MOBILE TRANSACTIONS USING ACCOUNT ALIASES - Embodiments of the invention provide systems and methods for providing a mobile device user with the ability to user their mobile devices to make payments to others without knowing the payment recipient's account number. For example, an embodiment of the includes: (1) receiving a payment request from a mobile phone, such as through a text message, where the payment request includes an alias, and where the alias is not a financial account number; (2) identifying a payment recipient's financial account based at least partially on the alias; and (3) transferring funds to the payment recipient's financial account. | 01-06-2011 |
20110004548 | METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER - A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the transaction processing system also interacts with an issuer and an acquirer. The issuer issues and manages an account for the buyer. The acquirer manages an account for the seller. The transaction processing system operates as follows. An electronic invoice relating to the transaction is first posted to the system by the seller or another system. Upon accepting the electronic invoice, the system creates a payment instruction. Each time a payment instruction is created, the system applies certain pre-negotiated payment terms and conditions between the buyer and the seller to the payment instruction. After the payment instruction is created, the system seeks approval from the buyer. Upon approval of the payment instruction by the buyer, the system schedules the payment for the specified date in the payment instruction. On the scheduled day of payment, the system calculates one or more fees, such as a transaction fee, for the transaction according to a pre-defined variable pricing matrix, which is determined based on a set of pre-negotiated conditions agreed to by the issuer, the acquirer, the seller and the buyer. For example, the transaction fee is an amount used by the issuer and the acquirer to compensate each other for processing the payment on behalf of the buyer and the seller. After the transaction fee is calculated, information relating to the transaction fee and the payment instruction is formatted into a proper message format(s) and submitted for authorization, clearing and settlement. The issuer and the acquirer then communicate with one another directly or indirectly to settle the funds. Additionally, the system provides transaction and activity reports to all relevant parties as well as access to status information for invoices and payments. | 01-06-2011 |
20110010289 | Method And System For Controlling Risk Using Static Payment Data And An Intelligent Payment Device - Example embodiments are described that permit a merchant to conduct a payment transaction using a customer's intelligent payment device when it is determined that the customer has an intelligent payment device. In the absence of such a device, the merchant may conduct the payment transaction using a traditional payment token, for example a payment token including static data. The static data may include an intelligent device data, for example a code embedded on a magnetic stripe, that may alert a merchant to the existence of the intelligent payment device. The merchant may then conduct the payment transaction using the intelligent payment device instead of using the static data. | 01-13-2011 |
20110010290 | Interchange Categories - This document describes tools capable of altering to which interchange categories credit-card transactions are assigned. In some embodiments, the tools receive parameters for interchange categories and transaction information for a client (e.g., one or more merchants) that has been charged interchange fees based on some of these categories. The parameters are utilized (e.g., by a credit card issuer) to determine to which interchange category a particular transaction will be assigned. The tools may determine, based on these parameters and the transaction information, how transactions may be changed to enable similar credit-card transactions to be assigned to a lower-cost interchange category. | 01-13-2011 |
20110010291 | Paperless Transaction Trail System - A paperless transaction system ( | 01-13-2011 |
20110010292 | PAYMENT TRANSACTIONS USING PAYEE ACCOUNT ALIASES - Embodiments of the invention provide a system and method for using aliases, such as mobile telephone numbers, email addresses, and social networking identifications, to identify a payment recipient's account involved in a payment transaction. Some embodiments of the method include: (1) receiving a payment request from a payment sender via a communication from a remote device, where the payment request includes an alias, and where the alias is not an account number; (2) using a processor to identify a payment recipient's financial account based at least partially on the alias; and (3) transferring funds from the payment sender's account to the payment recipient's account. Identifying the payment recipient's financial account based on the alias may include accessing a memory device having a data repository stored therein that maps each of a plurality of aliases back to a financial account number, and then using the data repository in combination with the alias to identify the payment recipient's financial account number. | 01-13-2011 |
20110010293 | ACCOUNT ALIAS DATA REPOSITORY - Embodiments of the invention provide systems and methods for creating a financial account alias data repository to be used to identify payee accounts in payment transactions. For example, an embodiment of the method includes: (1) receiving a communication comprising an alias that is not a financial account number; and (2) using a processor to store the alias in memory and create a data repository in the memory that maps the alias to a particular financial account such that the alias can be used by others instead of a financial account number to transfer money to the particular financial account associated with the alias. The alias may include, for example, a telephone number, email address, or social networking identifier of the financial account owner. | 01-13-2011 |
20110016043 | ACCOUNT TRANSACTION VALUE ADDED TAX REIMBURSEMENT - Transaction data is received and stored for purchases on accounts with authorization request requests for payment, where the currency of the purchase and the account are different. For each authorized transaction, clearing and settlement is facilitated as well as VAT reimbursement requests from different government entities. For each received VAT reimbursement request, it is determined whether the account is in a VAT reimbursement database, and if so then it is determined whether the data from the transaction is in a VAT reimbursement transactions database, and if so, then clearing and settlement of a VAT reimbursement payment is faciliated between the account and the corresponding government entity. | 01-20-2011 |
20110022514 | Loyalty Rewards Optimization Bill Payables and Receivables Service - For several accounts receivable, a reward account is determined as the account that receives the largest deposit to the loyalty reward balance thereof by a payment of the account receivable. For each reward account, a deficient reward account is found if the currency balance for the reward account is not sufficient for the payment of the account payable. For each deficiency reward account, if identified accounts receivables can be deposited such that the currency balance thereof will be sufficient to pay the account payable, then payments are made of: (i) the identified accounts receivables as corresponding deposits to the currency balance of the deficiency reward account such that the currency balance thereof is sufficient for the payment of the account payable; and (ii) the account payable by a withdrawal from the currency balance of the deficiency reward account. | 01-27-2011 |
20110029428 | Mobile Remittance Network - A computerized network empowers senders (or payers) to send funds and recipients (or payees) to receive funds at any time anywhere in the world through user-accessible terminals such as ATM terminals, check-cashing kiosks, money services kiosks, cash registers, checkout stands, computers, contactless devices, wire line phones, mobile phones, smartphones, personal digital assistants, etc. Furthermore, the network collects and verifies senders' and recipients' identification information in accordance with the anti-money laundering, anti-terrorist financing, and anti-financial crimes regulatory requirements, such as the Bank Secrecy Act and the USA PATRIOT Act in the United States and any equivalent laws in other countries. | 02-03-2011 |
20110029429 | SYSTEM AND METHOD FOR PROCESSING A MAILING LABEL - A system and method of processing a mailing label through a postal service that requires an account that can be charged for generating the mailing label are described. The method includes charging or deducting a fictitiously fundable or chargeable account to enable generation of a mailing label for a mail piece. The mailing label includes a tracking indicium associated with the fictitiously fundable or chargeable account. The method further includes receiving the tracking indicium scanned from the mailing label on the mail piece when the mail piece is inducted in the mail stream or during transit of the mail piece in the mail stream, and charging or deducting funds from an actually fundable or chargeable account based upon the received scanned tracking indicium. | 02-03-2011 |
20110029430 | Systems and Methods to Provide Benefits of Account Features to Account Holders - Systems and methods are provided to facilitate the sharing of account features. In one aspect, a system includes a transaction handler to process transactions and a data warehouse to record the transactions and store account data identifying account features of separate accounts, such as a second account having a feature and a first account without this feature. Account holders of the first and second accounts are in a same household and thus, in accordance with a set of rules, eligible to share the account features. A portal is configured to receive a request identifying the first account and to determine whether a transaction initiated in the first account and qualified for a benefit of the account feature is entitled to the benefit; and if so, a notification engine is to transmit a notification message to an account holder of the first account. | 02-03-2011 |
20110029431 | System and Method for Enhancing Financial Institution Revenues Through Acceleration of Debit Processing - A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transactions and accelerating the account debit transactions. In a further embodiment, account debit transaction processing is accelerated from beginning on what has traditionally been referred to as Day 0 to beginning on some day before Day 0. | 02-03-2011 |
20110040681 | SYSTEM AND METHOD FOR ACQUIRING, COMPARING AND EVALUATING PROPERTY CONDITION - A system and method for acquiring, collecting, comparing and evaluating the condition of rental property at several time periods during a lease or rental agreement. A first image is compared to a second image, a deposit amount remaining is calculated based on the image comparison. The remaining deposit amount is paid using an electronic format. | 02-17-2011 |
20110047072 | Systems and Methods for Propensity Analysis and Validation - In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording the transactions processed at the transaction handler; and a portal to receive a request from a client device over a network, the request including user data identifying at least one user. The client device has activity data recording activities of the user, and has the capability to determine from the activity data a first value for a first propensity score of the user. The computing apparatus further includes a score evaluator coupled to the data warehouse and the portal to determine a second value for the first propensity score based on transaction data recording payment transactions of the at least one user identified by the user data. The portal is configured to provide information based on the second value in response to the request. | 02-24-2011 |
20110047073 | DIRECT CURRENCY CONVERSION - This invention concerns direct currency conversion, that is automatic currency conversion at point of payment for card transactions. In particular it concerns a method for operating equipment associated with a financial transaction. The method includes the steps of: Presenting a card related to a customer's account. Recording a card number from the card. Applying all or part of the card number to a tree structure, and automatically processing that number by the tree one bit at a time to arrive at an end node of the tree coded with information related to the currency of the customer's card account. Determining the currency of the customer's card account. Comparing the currency of the customer's card account with one or more currencies predetermined for the equipment. Where the comparison indicates different currencies, providing direct currency conversion services. In other aspects it concerns the equipment itself, and a method of preparing a tree structure for use by the equipment. | 02-24-2011 |
20110055074 | VISUALIZATION FOR PAYMENT CARD TRANSACTION FRAUD ANALYSIS - A computer-implemented method and system for visualizing card transaction fraud analysis is presented. Transaction data and account data related to one or more payment card accounts is stored in a database. The transaction data includes a fraud score. A computer processor generates one or more of a plurality of visualizations of activity of at least one suspicious account from the one or more payment card accounts for display in a graphical user interface, each of the plurality of visualizations providing at least a graphical representation of the transaction data and which is selectable from a menu provided by the computer processor in the graphical user interface. The visualizations assist in case judgment of the one or more payment cards. | 03-03-2011 |
20110055075 | SYSTEM, METHOD AND APPARATUS FOR SEARCH CODE INFORMATION RETRIEVAL - An information retrieval system using a search code is provided. Embodiments of the present invention may include a processor component configured to perform the operations of a system application, the system application configured to generate one or more data records, the system application further configured to generate multiple search codes and store the multiple search codes and the one or more data records in memory and associate each of the one or more data records with one or more of the multiple search codes, each of the one or more data records including instructions for the execution of a predetermined action. The predetermined action may be, for example, delivering content, sales, a marketing activity, a discount offering, an advertisement campaign, a transaction, an application to use, or any other type of offer that is generally directly at users of offline or online media. | 03-03-2011 |
20110055076 | RESPONSE TO ALERT MESSAGE - One embodiment of the invention is directed to a system comprising a server computer, a database coupled to the server, and a notification device in operative communication with the server. The server comprises a processor and a computer readable medium coupled to the processor. The computer readable medium comprises computer readable program code embodied therein. The computer readable program code is adapted to be executed by the processor to receive a request to modify delivery instructions for alerts associated with a consumer, and modify delivery instructions for alerts associated with the consumer. | 03-03-2011 |
20110055077 | PORTABLE CONSUMER DEVICE WITH FUNDS TRANSFER PROCESSING - A portable consumer device with funds transfer processing systems and methods are disclosed. A sending entity may initiate a money transfer from one portable consumer device, such as a credit or debit card, to another portable consumer device through a money transfer system. A sending entity may initiate a payment request and the money transfer system may prompt the sending entity to use one of a plurality of payment account identifiers it possess. A recipient entity is defined by either an alias or a recipient entity personal account identifier. Additionally, an unregistered recipient entity may return a claim code to the money transfer system to claim a money transfer. | 03-03-2011 |
20110055078 | ONLINE FRAUD PREVENTION USING GENETIC ALGORITHM SOLUTION - Online fraud prevention including receiving a rules set to detect fraud, mapping the rules set to a data set, mapping success data to members of the rules set, filtering the members of the rules set, and ordering members of the data set by giving priority to those members of the data set with a greater probability for being fraudulent based upon the success data of each member of the rule set in detecting fraud. Further, a receiver coupled to an application server to receive a rules set to detect fraud, and a server coupled to the application server, to map the rules set to a data set, and to map the success data to each members of the rules set. The server is used to order the various members of the data set by giving priority to those members of the data set with a greatest probability for being fraudulent. | 03-03-2011 |
20110066548 | METHODS AND SYSTEMS FOR EXECUTING A PLURALITY OF MONEY TRANSFERS HAVING A FLUCTUATING PARAMETER - Systems and methods are provided for executing a plurality of money transfers, at least one term of which is dependent on the value of a fluctuating parameter, for example a currency exchange rate or the amount of a transaction service fee. The customer may stage a first money transfer at a money-transfer system and a first value of the fluctuating parameter may be determined by a host processor. The first money transfer may then be executed by the money-transfer system using the first value of the fluctuating parameter and a unique lock-in value identifier may be stored in the host processor's memory that associates the first value of the fluctuating parameter with the customer. | 03-17-2011 |
20110066549 | SYSTEM AND METHOD TO PROVIDE CUSTOMS HARMONIZATION, TARIFF COMPUTATIONS, AND CENTRALIZED TARIFF COLLECTION FOR INTERNATIONAL SHIPPERS - The systems and methods described herein relate generally to the integration of a shipping label with a customs form to provide a single label having postage, addressing, customs, and other information for international shipping, and in particular, to managing landed cost and harmonization for international packages. In one embodiment, managing the landed cost and harmonization may comprise generating a unique self-validating postage indicium or mark in response to a request that includes a description of contents for a package onto which an international shipping label is to be placed and a destination country where the package is to be delivered. As such, the unique self-validating postage indicium or mark may indicate that landed costs for delivering the package to the destination country have been pre-paid, wherein the unique self-validating postage indicium or mark and a customs declaration form may be printed on the international shipping label. | 03-17-2011 |
20110071940 | Motivate and award system with escrow accounts to reserve and store specific selected or requested awards - A system and method to award a person to engage and complete a designated activity by setting up an escrow account with monetary funds or award items ready to reward the person immediately following the completion of the activity. The timeliness of the award can enhance the effectiveness of the motivation system. | 03-24-2011 |
20110071941 | ELECTRONIC PLATFORM FOR FACILITATING INTERNATIONAL FINANCIAL TRANSACTIONS - An electronic platform to facilitate international financial swaps between businesses and individuals in different countries, in different countries, comprises a data bank for receiving financial transfer requests; a market clearing system with the ability to match requests from a party to transfer funds from one country to another with one or more complementary requests from another party or parties; a market making system with the ability to add liquidity to facilitate swaps; and an executing system with the ability to transfer funds between matched parties and complete a swap. | 03-24-2011 |
20110078074 | SYSTEMS, METHODS, AND MEDIA FOR INDUSTRY RESOURCE MANAGEMENT AND CONTRACT MANAGEMENT - Embodiments of the subject invention are directed to a contract monitoring system or a method for contract monitoring. In an embodiment, a contract monitoring system monitors compliance with a contract. The system receives contract terms and event messages, which describe performance of the contract terms, and presents performance information to the parties to the contract. In an embodiment, the performance information is analyzed with regard to the contract terms. In an embodiment, such performance analysis is used to generate one or more performance measures for evaluating a party to the contract. In an embodiment, such performance analysis is used to generate a settlement statement for the contract. In an embodiment, the contract monitoring system reports information regarding resources registered with the system. In an embodiment, the contract monitoring system can be used to store, generate, and/or present resource, settlement, performance, and/or event information related to a plurality of organizations. | 03-31-2011 |
20110078075 | METHOD AND SYSTEM FOR FACILITATING SWITCHING OF FINANCIAL INSTITUTION ACCOUNTS - Techniques for switching a financial institution account for a debit account holder are provided. A request to convert a financial institution account is received from a customer. Information is obtained from the customer and used to identify a list of possible financial institution candidates. The list of possible financial institution candidates includes financial institutions that have an on-going relationship with an existing payment association and are interested in offering a new financial institution account to the customer. A new financial institution account is then established with a financial institution selected from a list of possible financial institution candidates. Then, the new financial institution account is linked to one or more additional accounts. The one or more additional accounts may be an account with the customer's existing payment association or accounts associated with any recurring transactions. | 03-31-2011 |
20110087589 | Debit or Credit Card Data Transaction Methods and Devices - Debit or credit card transaction data includes one or a combination of digital card data read from a debit or credit card, transaction amount, shop identification information, and personal identification information like PIN numbers. This card transaction | 04-14-2011 |
20110087590 | 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 merchant. The merchant uses the merchant card to accept other financial cards as payment. Funds due the merchant are added to an available balance of the merchant card rather than depositing the funds in a settlement account. The funds can be added to the available balance before the transactions settle and can be accessed by the merchant. The financial institution also authorizes transactions when the merchant uses the merchant card as a regular cardholder to make payment. The merchant name can be changed on a per transaction basis if desired. | 04-14-2011 |
20110093385 | Customer Identification of Transactions and Financial Transaction Record Matching - Financial institutions often process transactions on behalf of customers. The processing of these transactions may include the specification of a customer-specific identifier so that a customer receiving a record of the transaction is able to identify the transaction. For example, the customer-specific identifier may include a store number to help the customer identify a store from which the transaction originated. If the customer-specific identifier is not entered by the financial institution, a transaction case builder system may prompt a user for the identifier before the system will enter the transaction case data into a transaction processing system. The system may also transmit a pre-notification message to the customer alerting the customer to the transaction that is being processed. Furthermore, transaction processing may include matching transaction records and transaction advices regardless of whether the record and matching advice are received on the same day. | 04-21-2011 |
20110093386 | TRANSACTION SYSTEM AND METHOD - Described is an automated transaction processing system and method, including at least one bank account record and associations between the record and at least a first account identifier and a second account identifier for the account, the system and method comprising a transaction processor, to process received transaction requests identifying the account on the basis of first criteria, if the transaction request identifies the account using the first identifier, or second, different criteria, if the transaction request identifies the account using the second identifier. The system and method can provide increased security in financial transactions by employing different criteria according to whether or not transactions are permitted, based on the form of the account identifier. | 04-21-2011 |
20110099102 | System and method for automated receipt and processing of donations - A web-based donation system is disclosed that is configured and operable to allow a sponsor to register or signup one or more recipients to receive funds from donors. The system is configured with a donor registration module that allows the donors to post solicitations for donations for respective recipients. The system is configured such that only businesses, and not individuals, can sponsor recipients. All funds received from donors are placed in a third party account until the period for solicitation of funds has ended. Upon conclusion, the funds are transferred anonymously to an account associated with the recipient. | 04-28-2011 |
20110099103 | Automated Escheatment Process - A system and method of identifying an appropriate state to which unclaimed funds should escheat is presented. The system and method may include receiving data regarding unclaimed funds and identifying an owner of the funds, as well as the last known state of residence of the owner. The unclaimed funds are assigned a state identifier identifying the state to which the funds may escheat. At a predetermined time, or on demand, the funds may escheat to the designated state. | 04-28-2011 |
20110106695 | PAYMENT PROCESSING SYSTEM, METHOD AND COMPUTER PROGRAM PRODUCT - Embodiments of the present invention provide a method and computer program product for least cost routing in payment processing. In an embodiment of the invention, a payment processing method can include receiving a transaction profile for a proposed transaction as payment for a purchase by a purchaser from a merchant at a card processing terminal configured to identify a card number for a card. The method further can include computing a cost of processing the proposed transaction for each of multiple different payment processors based upon the received transaction profile. The method yet further can include selecting one of the different payment processors corresponding to a lowest cost of processing computed for the received transaction profile. Finally, the method can include routing the proposed transaction to the selected one of the different payment processors. | 05-05-2011 |
20110112961 | Duplicate Payments Suspect Review Workstation - A work station may be used to eliminate duplicate payment transactions. | 05-12-2011 |
20110112962 | METHODS, SYSTEMS, AND COMPUTER READABLE MEDIA FOR FACILITATING THE EXCHANGE OF RECIPROCAL DEPOSITS - Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits are disclosed. According to one aspect, the subject matter described herein includes a system for facilitating the exchange of reciprocal deposits. The system includes a first bank for participating in an exchange of reciprocal deposits and a control center for implementing an exchange of reciprocal deposits between the first bank and a second bank for receiving deposits. The control center is configured to receive, from the first bank, a first request for placement of reciprocal deposits, the request defining a first set of requirements, and receive, from the second bank, a second request for placement of reciprocal deposits, the request defining a second set of requirements. The control center determines whether the first set of requirements matches the second set of requirements, which include maturity and interest rate. In response to determining that the first set of requirements matches the second set of requirements, the control center performs an exchange of on-balance sheet deposits meeting the first set of requirements from the first bank to off-balance sheet deposits to the second bank. The first bank receives reciprocal deposits meeting the second set of requirements as new on-balance sheet deposits. The reciprocal deposits may come from the second bank or from an entity other than the first and second bank, such as a depositor. | 05-12-2011 |
20110112963 | METHOD AND SYSTEM FOR AUTOMATICALLY HARMONIZING ACCESS TO A SOFTWARE APPLICATION PROGRAM VIA DIFFERENT ACCESS DEVICES - A method and system automatically harmonizes access to a given software application program via different access devices. Through use of the method and system, a financial institution can provide access to a given application (such as, for example, automatic bill payment services) to customers using different access devices such web browsers, screen phones and personal computers. A single application program is all that needs to be written and maintained by the financial institution. Also, the method and system enables financial institutions to “leverage” existing programs because now the institution can automatically “project” its existing stock of program services unto new access devices—devices which may not have even existed at the time the program was created. By receiving information from the user via the user's access device, including information identifying the type of device being used and the application program the user wishes to access, the present invention solves these problems. The application program is then accessed and the information to be displayed to the user is identified. This information is automatically translated into a format which is compatible with the device, including its display, and sent to the device for display. The user, in turn, inputs information in response to the displayed information and this input information is automatically translated into a format which is compatible with the application program and is sent to the application program. The response generated by the application program is automatically translated to be compatible with the device and is sent to the device. | 05-12-2011 |
20110119178 | METADATA DRIVEN PROCESSING - The system enables a data processing framework that polls for files using a listener, controls the workflow using event driven logic, processes financial transactions, and creates a business to business trading partner network. The listener ensures the reliability and data integrity of input files and performs archiving functions. The payment management functions automatically processes transactions, including payor (e.g., the buyer) initiated payments to a payee (e.g., a supplier) by utilizing a flexible, decoupled processing architecture. A payment management computer identifies a universal identifier for each entity and forms relationships and hierarchies in order to increase efficiency of the trading partner network. Metadata describes the format, validation and relationships for a wide variety of financial account data. | 05-19-2011 |
20110125633 | TRANSACTION PROCESSING - In prior art methods of processing transactions, funds for any given transaction are typically designated for payment from a single account. Further, funds are often pre-paid into accounts associated with a subscription to a telecommunications network, reducing the funds that a user can allocate to the single account. This can cause the amount of funds available from the single account to be below that required to cover one or a series of transactions, leading to the problem that only transactions of a limited size or number can be effected for a given account balance. In embodiments of the present invention, a method of processing a transaction is provided in which, responsive to a request for a transaction, a plurality of accounts associated with a party to the transaction are identified, including at least one account associated with a subscription to a telecommunications network. Funds for the transaction are selected on the basis of account balances of the identified accounts. This enables a greater amount of funds to be available for effecting transactions than in prior art methods. | 05-26-2011 |
20110125634 | SYSTEMS AND METHODS FOR AUTOMATIC MIGRATION OF A CONSUMER BETWEEN FINANCIAL ACCOUNTS - Embodiments of the invention provide systems and methods for automatically migrating a consumer from one prepaid financial account to another prepaid financial account based on preset trigger criteria. A prepaid payment device, such as a payroll card, may be issued to the consumer and associated with a prepaid financial account. The prepaid financial account may include a profile for the consumer. The issuer of the prepaid payment device may monitor the account activity and set trigger criteria that control when the consumer is automatically migrated from the current prepaid financial account and which type of new account the consumer is migrated into. | 05-26-2011 |
20110125635 | METHOD AND SYSTEM FOR MANAGING DISTRIBUTOR INFORMATION - An embodiment of the invention provides a system that enables financial services companies to manage and track information about a sales force. The system includes components for managing distributors information, for validating and tracking licenses and credentials, for creating customized contracts, and for maintaining compensation structures. The system allows for configuring compensations, providing financial services companies a toolkit for creating and modeling their complex commission schedules used to compensate their sales force. The system also provides modeling tools for agreements and contracts between a financial services company or provider and the distributors who sell products. The system has a multi-component architecture comprising multiple modules, multiple data processing engines, a backbone and multiple data sources. The processing modules carry out information processing using one or more data processing engines. The data processing provides the tools to fetch data from the databases and process it. | 05-26-2011 |
20110131132 | SYSTEM AND METHOD FOR MANAGING SUBSCRIBER ACCOUNT - A method and system for managing a subscriber account to a service includes one or more wallets for which predefined rules may be modified to define how an amount of funds is allocated between the wallets to be used for different types of services and products. | 06-02-2011 |
20110131133 | Multiple Account Advanced Payment Card and Method of Routing Card Transactions - A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules. | 06-02-2011 |
20110137790 | MAINFRAME-BASED FAR-DISTANCE BICENTRIC TRANSACTION INFORMATION PROCESSING METHOD AND SYSTEM - A mainframe-based far-distance bicentric transaction information processing system, providing a processing operation solution. The method includes: receiving upload transaction information containing transaction type data; searching transaction information requiring an amount of shared resource less than a preset threshold when being processed, according to the transaction type data; and transmitting the transaction information requiring the amount of shared resource less than the preset threshold when being processed, to a backup processing center to be processed, when CPU utilization rates exceeds a preset safety threshold. The system includes a main processing center and a backup processing center. The transaction information processing method and system implement the mainframe parallel sysplex far-distance bicentric transaction processing including the main processing center and the backup processing center, which expands the physical distance between the two centers, improves the processing capability and reliability of the transaction system, and sufficiently utilizes the resources of the backup processing center. | 06-09-2011 |
20110137791 | SYSTEM, METHOD AND APPARATUS FOR PROVIDING A UNIVERSAL FINANCIAL TRANSACTION GATEWAY FOR COMPUTING DEVICES - A universal financial transaction gateway for mobile computing devices is provided. The universal financial transaction gateway can comprise at least one core mobile network interface for connecting to a mobile electronic device via a core mobile network. The at least one interface is configured to emulate an interface inherent to the core mobile network. The gateway also comprises a transaction engine connected to the interface and configured to receive transaction instructions from the mobile electronic device via the core mobile network interface. The gateway also comprises a plurality of financial server interfaces for connecting to a plurality of accounts associated with a plurality of financial servers. The plurality of financial server interfaces is configured to emulate an interface inherent to each of the financial servers. The transaction engine is configured to effect the transaction instructions on the financial servers via the financial server interfaces. | 06-09-2011 |
20110137792 | SYSTEM AND METHOD FOR DYNAMIC PATH- AND STATE-DEPENDENT STOCHASTIC CONTROL ALLOCATION - The invention includes a system and process that employs contractual bargaining with agent-based computational methods for the dynamic allocation, optimization, and pricing of contingent rights and obligations between multiple counterparties with overlapping interests. The processes employ a dynamic and endogenous hierarchy or tiering of binding incentive compatible contingent strategies, which may include optimal liquidation policies for matched assets and liabilities based upon stochastic volume/price schedule related to statistically non-stationary supply/demand elasticities and order-flow, as well as variations in market microstructure. The invention includes a dynamic open system with distributed stochastic control of strategic interactions among dynamic optimizing agents across random states, wherein the actions of any one affects the joint costs and benefits for all the agents. | 06-09-2011 |
20110145137 | APPARATUSES,METHODS AND SYSTEMS FOR A TRACKABLE VIRTUAL CURRENCIES PLATFORM - The APPARATUSES, METHODS AND SYSTEMS FOR A TRACKABLE VIRTUAL CURRENCIES PLATFORM (“TVC”) transform user transaction request input via various TVC components into transaction result output. In one embodiment, information regarding a virtual currency transaction including a user identifier of a user associated with the virtual currency transaction may be received. A potential fraud event threshold score for the user may be calculated by analyzing past fraud data associated with the user, and a virtual currency transaction fraud score may be calculated by analyzing the user's social graph and the user's prior game play patterns. If the virtual currency transaction fraud score exceeds the potential fraud event threshold score for the user, the virtual currency transaction may be identified as potentially fraudulent. | 06-16-2011 |
20110145138 | Browser extension that processes text to facilitate commerce on social media - A system (FIG. | 06-16-2011 |
20110145139 | METHODS, APPARATUS, AND SYSTEMS FOR SUPPORTING PURCHASES OF GOODS AND SERVICES VIA PREPAID TELECOMMUNICATION ACCOUNTS - Apparatus and method for detecting in real-time when a User of a prepaid telecommunications account tries to complete a data, voice or financial transaction to purchase a product or service but cannot, due to insufficient funds in the Prepaid Account. The system then determines whether the Account is eligible to receive a Facilitation according to predetermined criteria and, if so, either (1) automatically authorizes the transaction to be completed based on a Facilitation amount, subsequently recorded by the system to satisfy the insufficiency, or (2) instantly communicates to the User an offer to do so, and if the User accepts the offer, authorizes the transaction and records the Facilitation amount. The transaction can then be completed without significant interruption. A mechanism is provided such that on the next Topping-Up event(s) of the User's Account, the Facilitation amount is debited from the User's Account for return to the Facilitator. | 06-16-2011 |
20110145140 | METHODS, APPARATUS, AND SYSTEMS FOR SUPPORTING PURCHASES OF GOODS AND SERVICES VIA PREPAID TELECOMMUNICATION ACCOUNTS - Apparatus and method for detecting in real-time when a User of a prepaid telecommunications account tries to complete a data, voice or financial transaction to purchase a product or service but cannot, due to insufficient funds in the Prepaid Account. The system then determines whether the Account is eligible to receive a Facilitation according to predetermined criteria and, if so, either (1) automatically authorizes the transaction to be completed based on a Facilitation amount, subsequently recorded by the system to satisfy the insufficiency, or (2) instantly communicates to the User an offer to do so, and if the User accepts the offer, authorizes the transaction and records the Facilitation amount. The transaction can then be completed without significant interruption. A mechanism is provided such that on the next Topping-Up event(s) of the User's Account, the Facilitation amount is debited from the User's Account for return to the Facilitator. | 06-16-2011 |
20110145141 | METHOD AND APPARATUS FOR RECHARGING ELECTRIC VEHICLES - An electric vehicle recharge station includes a housing with an outlet switchably coupled to an electrical electric power source. A vehicle connectible plug is removably mounted on the housing and connected to the outlet for supplying electric power from the outlet to the vehicle. The housing is mountable on top of a concrete pedestal embedded in the ground. The vehicle connectible plug is connected to the outlet by a coiled electrical cord. The housing supports two outlets and two J1772 plugs. A user interface communicates and receives instructions to and from the user via a touch screen display. The user interface provides selection of power charge time periods, stations on the housing, and payment. The housing can be configured for home use via a wall mount or as a wall mount for a parking garage. | 06-16-2011 |
20110145142 | METHOD AND APPARATUS FOR ISSUING AND MANAGING GIFT CERTIFICATES - The present invention relates to a method and apparatus for issuing and redeeming a gift certificate drawn on a credit card or other financial account. | 06-16-2011 |
20110145143 | INTERNET BILLING METHOD - A system that incorporates teachings of the present disclosure may include, for example, identifying a consumer account managed by a service provider to which purchases are chargeable, the identification of the account based on transactional information, enabling customer equipment to request a purchase of an electronically-purchasable item of a vendor via network equipment of the service provider, wherein the vendor is a party other than the service provider, charging the consumer account a fee for a purchase initiated by the customer equipment, and remitting a portion of the fee to an account of the vendor. Other embodiments are disclosed. | 06-16-2011 |
20110153492 | CONTROLLING A COMPUTER SYSTEM ENABLING SHARIA-COMPLIANT FINANCING - A computer system including data processing means arranged for receiving information into memory, the information enabling a transaction wherein a first party obtains property financing from a first financier by providing equitable title to the first financier and incurring obligations under a lease to the property, and wherein the first financier obtains funding for the financing from a second financier by providing at least some of the first financier's rights in the property, wherein the data processing means includes control means disposed to apply a Sharia compliance standard to the information control the computer system in carrying out a transaction compliant with the standard. | 06-23-2011 |
20110153493 | DYNAMIC LIMIT FUNDING SOURCE - Various methods and systems are provided to enable single purchases or payments to be funded from a plurality of funding sources, where the funding sources have dynamically set limits and priorities by the user. When a purchase or payment request is made, funding starts with the highest priority source, up to its limit, and continues with sequentially lower funding sources up the their limits, until the purchase or payment is fully funded. | 06-23-2011 |
20110153494 | Systems and Methods Associated with Distributing Financing and Risk Among Members of a Value Chain - System and methods associated with a distributed financing model. The distributed financing model distributes financing responsibility and risk among members of a value chain to finance certain buyers of goods or services, including those who are unable to get financing through financial institutions in the traditional manner. As a result, customers are better able to buy goods or services, sellers are able to sell more, and manufacturers or service providers can produce more. | 06-23-2011 |
20110153495 | MOBILE WIRELESS PAYMENT AND ACCESS - Embodiments of systems, methods, and devices are disclosed for enabling wireless mobile devices to be automatically detected and used as fare media on vehicles in a transit and/or transportation system. Embodiments include detecting a wireless mobile device and utilizing a unique identifier of the wireless mobile device to track a transit user's entry to and exit from a transit vehicle. Embodiments further include causing the wireless mobile device to display a fare payment indicator, allowing the transit user to use the wireless mobile device to show proof of payment if so solicited by a fare inspector. A corresponding fare can be calculated and paid for in a variety of ways. | 06-23-2011 |
20110161226 | DUAL CARD - A dual card, which facilitates payment for goods or services from either a credit account or a stored value account, operates on both an open network and a closed network. The dual card is a payment card that integrates the ability to provide credit privileges and stored value privileges to a cardholder of the dual card. The features, benefits, and advantages of a stored value card are integrated with the credit card aspects of the dual card. The benefits, features, and advantages of a credit card are integrated with a stored value card. | 06-30-2011 |
20110166989 | OFFSETTING LIABILITIES AND ATTRIBUTING REWARDS - Embodiments of the present invention relate to methods and apparatuses for determining, recommending, and/or executing a payment strategy for offsetting liabilities and/or attributing rewards. For example, in some embodiments, a method is provided for transferring offsetting funds from a first account to a second account. In such embodiments, the method includes: (1) determining that the second account has incurred a liability; and (2) transferring funds from the first account to the second account in an amount sufficient to offset the liability. In some embodiments, the determining step automatically triggers the transferring step, either immediately, nearly immediately, or sometime after the occurrence of the determining step. In some embodiments, the method further includes attributing rewards to the first account or the second account based at least partially on the transfer of offsetting funds from the first account to the second account and/or based at least partially on the second account incurring the liability. | 07-07-2011 |
20110166990 | AUTOMATED METHOD AND ARTICLE OF MANUFACTURE FOR FULLY INSURING LARGE DEPOSITS RECEIVED FROM A PLURALITY OF CUSTODIANS FROM THEIR RESPECTIVE DEPOSITORS - 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 plurality of unaffiliated custodians from their respective depositors. A processor receives orders from the plurality of custodians to process large deposits. The processor partitions each of the large deposits for each order into a plurality of deposit portions in a manner so that each deposit portion does not exceed the established deposit insurance limit. The processor then assigns at least some of the deposit portions for each of the large deposits for each order to at least some custodians that are unaffiliated with the custodian that received the large deposit for deposit therein. | 07-07-2011 |
20110166991 | AUTOMATED METHOD AND ARTICLE OF MANUFACTURE FOR FULLY INSURING LARGE BANK DEPOSITS VIA A NETWORK OF BANKS WITH LIMITS ON AMOUNT OF ORDERS THAT A BANK AND/OR CUSTOMER CAN PLACE WITH THE NETWORK - 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 plurality of unaffiliated banks from their respective depositors. Orders are received at a processor from the plurality of banks to process large deposits. The processor automatically compares each order to a preset maximum order amount. Each of the large deposits for each order are partitioned using the processor into a plurality of deposit portions if the order does not exceed a preset maximum order amount. The partitioning is performed in a manner so that each deposit portion does not exceed the established deposit insurance limit. The processor assigns at least some of the deposit portions for each of the large deposits for each order to at least some banks that are unaffiliated with the bank that received the large deposit for deposit therein if the order does not exceed the preset maximum order amount. | 07-07-2011 |
20110166992 | SYSTEM AND METHOD FOR CREATING AND MANAGING A STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT UNIQUE IDENTIFIER - A method for creating and managing a stored value account associated with a client device is disclosed and may include receiving one of a merchant identifier and an unbranded place holder to associate with the stored value account, receiving an amount of value to assign to the stored value account, and creating a virtual token for the stored value account that is associated with the client device. The method may further include creating a unique identifier associated with a client device, if a stored value account is associated with a merchant identifier, then creating an account number, and if a stored value account is associated with a merchant identifier, then creating an association between the account number and the unique identifier and between the account identifier and the merchant identifier in a database. | 07-07-2011 |
20110166993 | METHOD AND APPARTUS FOR FULLY INSURING LARGE BANK DEPOSITS - An automated method is provided of processing funds in amounts that are subject to an established deposit insurance limit so that the funds are eligible to be fully insured. The funds are assigned to a processor that creates a plurality of deposits on behalf of a plurality of banks for depositors of the funds. A plurality of orders to process the funds are received at the processor. The processor prioritizes the plurality of orders for order filling based on various different factors. The processor then partitions each of the fund amounts associated with the order being filled into a plurality of deposit portions in a manner such that each deposit portion does not exceed the established deposit insurance limit. The processor allocates each of the deposit portions associated with the order being filled to a specific one of the banks. In this manner, a deposit is established via the processor at the bank to which the deposit portion was allocated. | 07-07-2011 |
20110173117 | SYSTEM AND METHOD FOR PROCESSING RETRIEVAL REQUESTS - A system for processing transaction data is provided. The system includes a substitute draft system that receives a retrieval request and generates a substitute draft in response to the retrieval request. The system also includes a merchant interface that is connected to the retrieval system. The merchant interface generates a merchant request in response to the retrieval request. The system thus allows a substitute draft to be generated in response to the retrieval request that may eliminate the need for a merchant response with a sales draft to the request. The system provides for higher and more efficient completion of retrieval requests by ensuring that such retrieval requests receive at least a substitute draft response. By providing at least a substitute draft response to the card user, a chargeback for no response is avoided. | 07-14-2011 |
20110173118 | METADATA DRIVEN METHODS AND SYSTEMS TO PROCESS FINANCIAL DATA - A system and method are disclosed. The system identifies a first acquirer from a plurality of acquirers based on a first set of financial transaction records. The first acquirer is associated with a financial clearing house system and a plurality of first acquirer dependent software components. The system further generates a first acquirer settlement file based on the first set of financial transaction records. The generates the acquirer settlement file by utilizing the plurality of first acquirer dependent software components to process the first set of financial transaction records. Finally, the system communicates the first acquirer settlement file, over a network, to the financial clearing house system. | 07-14-2011 |
20110178922 | System and method for resolving transactions with variable offer parameter selection capabilities - A system and method for the online settling of a transaction is provided. The system includes a server configured to determine a set of curves or planes defining acceptable settlement conditions for the financial transaction, enabling the user to select an acceptable settlement condition using interactive controls or computer implemented controls engageable by the user, such as sliding selectors or rotatable dials or the like, or controls enabling placement of points on a curve or curves. In certain instances, movement or engagement of one control may result in movement or alteration of another control, reflecting interaction between the parameters being controlled as dictated by rules established on behalf of the party to the transaction. The result, once the computer implemented controls present an acceptable settlement condition for the user, is a settlement condition wherein both user and the party to the transaction resolve the transaction on jointly acceptable terms. | 07-21-2011 |
20110184852 | SECURED ACQUISITION PROCESS VIA CREDIT CARD TERMINAL - The present invention provides a system and method for managing acquisition of goods using a credit card of a client in a way whereby the details of the credit card are not exposed or revealed to the supplier or the seller throughout the acquisition process. This method can bring about new users that are not buying merchandise through the internet due to their fear from credit card frauds. This method can also bring about new users that are not buying merchandise using a credit card in which the details of the credit card are exposed directly or indirectly to a supplier due to their fear from future misuse of their credit card details. | 07-28-2011 |
20110184853 | TALKING TRANSACTIONS - Embodiments of the invention relate to systems, methods, and computer program products for providing audio messages relating to financial transactions. For example, one embodiment of the invention provides a financial institution's computer apparatus having a memory communicably coupled to a communication device and a processor. In one embodiment, the memory stores information about a financial account including information about a system to use to communicate a message comprising an audio component to a person associated with the financial account, and the processor is configured to receive an indication of a financial transaction affecting the financial account and use the communication device to communicate an audio message containing information relating to the financial transaction to the person associated with the financial account by using the system. | 07-28-2011 |
20110184854 | MERCHANT RATE LOOKUP - A system and method operate with a commerce processing system to determines a dynamic currency conversion markup rate for a given merchant and card number of a customer. The system and method determine the currency that is offered to the customer for the dynamic currency conversion transaction to support an opt-in process, so that an indication of a selected currency can be passed to a merchant in addition to the converted amount. Rate lookup logic is performed for every dynamic currency conversion transaction, and the data is arranged to be quickly accessed and occupies a minimum amount of memory storage space. Each merchant can elect to use a different rate for their customers based on business arrangements with the commerce processing system, their acquirer, the nature of their business, their competitors, and prevailing local market conditions. | 07-28-2011 |
20110184855 | SYSTEM AND METHOD FOR VIRTUAL PIGGYBANK - A method of providing control preferences for a prospective Internet user, the method comprising the steps of establishing a first account, the settings of the first account bcinj stored in a database; establishing a second account, the settings of the second account being stored in the database: linking the first and second accounts such that control settings of the second account are determined through the first account; and making a purchase from the second account consistent with the control settings of the second account. | 07-28-2011 |
20110184856 | SYSTEMS AND METHODS FOR CONTROLLING PAYMENT PROCESSING - A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product. | 07-28-2011 |
20110184857 | SYSTEMS AND METHODS FOR CONTROLLING PAYMENT PROCESSING - A computer-implemented method for generating a financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a plurality of core accounts for providing financial backing for the financial product, and generating the financial product based on one or more control parameters that define use restrictions for the financial product. | 07-28-2011 |
20110184858 | SYSTEMS AND METHODS FOR MANAGING ACCOUNTS PAYABLE - A computer-implemented method for generating a first accounts payable financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a core account for providing financial backing for the first accounts payable financial product; receiving a selection of a first recipient payee to which the first accounts payable financial product is to be distributed; generating the first accounts payable financial product based on one or more control parameters that define use restrictions for the first accounts payable financial product; and causing the first accounts payable financial product to be distributed to the first recipient payee. | 07-28-2011 |
20110184859 | Methods and systems for pricing products that enhance productivity - A method for pricing a productivity-enhancing product or method, such as a feed additive, a fertilizer, or the like, that includes consideration of an expected or realized added benefit from the productivity-enhancing product or method to an end user and the price that is expected to be received or has been received by the end user. Programs and systems with which such a pricing method are used are also disclosed. | 07-28-2011 |
20110184860 | METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM - A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts. | 07-28-2011 |
20110184861 | METHOD AND SYSTEM FOR IMPLEMENTING AND MANAGING AN ENTERPRISE IDENTITY MANAGEMENT FOR DISTRIBUTED SECURITY IN A COMPUTER SYSTEM - A method and system for facilitating the management of user identities includes an ownership component, a registration component, and a servicing component. When a user first desires to access a system using the present invention, the registration component verifies the user's ownership of the underlying account by asking a variety of questions. Thereafter, when a user desires to service his account, the user may be re-queried to determine if he is attempting to access the correct information. An authentication and access component provides the functionality to access a system of the present invention. An audit component can be configured to periodically monitor the various accounts to ensure a continued linking between users and accounts. | 07-28-2011 |
20110191236 | Virtual card - A system for securing a financial transaction that includes a back-end unit for generating a value that is used in the financial transaction, a central communication engine for receiving the value from the unit, wherein the engine is capable of receiving and sending the value securely, and a device that includes a processor, a communication module for receiving the value, and a memory unit for storing the value, and a display for providing information related to the value, wherein the information secures the financial transaction. | 08-04-2011 |
20110191237 | Information Access Device and Data Transfer - Embodiments of the present invention are directed to systems, apparatuses and methods for using a first device with an accelerometer to transfer data by making contact with a second device with an accelerometer, thereby generating interaction data that is representative of the physical contact between the mobile device and the second device. The first device may be a mobile phone. The second device may be a mobile phone or a stationary kiosk or terminal. A first device with an accelerometer physically contacts the second device. Each of the first and second devices generate interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the first and second device. A server computer determines, based on interaction data, that the first device and the second device physically contact each other. After determining that the mobile device and the second device made contact, communications may be initiated between the devices. Communications may include customer-provided information (e.g., shopping lists) and merchant-provided information (e.g., items in stock or on sale from the consumer's shopping list). In some embodiments, at least two independent interactions between three devices transfer data from a first computing device to a second computing device, after each of the first and second computing devices independently interacts with a mobile device. | 08-04-2011 |
20110191238 | VARIABLE MERCHANT SETTLEMENT OPTIONS - Embodiments of the invention provide for offering variable settlement options to merchants. The merchant and/or the financial institution can define settlement rules based on many settlement options, such as settlement time, settlement location, settlement channel, type of product/service associated with the transaction, and the like. Based on the occurrence of a transaction, the transaction parameters, such as settlement time, location and/or channel are determined by applying the settlement rules to the transaction. Accordingly, the transaction is settled according to the determined settlement rules. In alternate embodiments merchant settlement variables, such current financial status, cash flow requirements, credit requirements and the like, are monitored and the variables are applied to the settlement rules to determine the settlement parameters. | 08-04-2011 |
20110191239 | MONITORING RETAIL TRANSACTIONS ASSOCIATED WITH A FINANCIAL INSTITUTION-BASED MERCHANT OFFER PROGRAM AND DETERMINING SAVINGS METRICS - Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the transaction monitoring occurs at the financial institution level, the savings metrics may include both amounts saved by accepting the merchant offers associated with the program and savings amounts lost by conducting a transaction absent a merchant offer when an applicable merchant offer was available. | 08-04-2011 |
20110196782 | Transferring Funds Using Mobile Devices - Aspects of this disclosure relate to a method for transferring funds involved in a financial transaction of a customer by utilizing the mobile device of the customer, including determining device identification data for a mobile device, associating the device identification data to a financial account of a customer, receiving a fund transfer request that includes data identifying the mobile device and an amount of funds to transfer from the financial account of the customer to a financial account of the seller, verifying the fund transfer authorization based on the device identification data, and initiating the fund transfer between the customer's financial account and the financial account of the seller. | 08-11-2011 |
20110196783 | WIRELESS PAYMENT PLATFORM AND MOBILE RESELLER SYSTEM - The present invention is directed to a wireless payment platform that may offer a payment mechanism for users with a mobile device and may allow users to exchange virtual currency for payment. The wireless payment platform may utilize the convenience and adaptability of the mobile device of the users. Such a payment mechanism may offer more security to transactions by adding a transaction confirmation facility using conventional communications technologies, such as the Short Message Service or SMS, Interactive Voice Response (IVR) technology, and the like. Financial transactions may be conducted on a person-to-person basis where each user may be identified by a unique identifier such as a telephone number, caller ID, and the like. | 08-11-2011 |
20110196784 | SYSTEM AND METHOD FOR INCENTIVIZING AND CONFIRMING THE COMPLETION OF TASKS USING AN ELECTRONIC ESCROW SERVICE - A system and method for incentivizing and confirming the completion of tasks using an electronic escrow service. In one embodiment, Organizer | 08-11-2011 |
20110196785 | Banking system operated responsive to data read from data bearing records - An exemplary system includes an automated banking machine ( | 08-11-2011 |
20110202453 | SYSTEM AND METHOD FOR MOBILE SECURE TRANSACTION CONFIDENCE SCORE - A computerized system and method for determining a mobile secure transaction confidence (MSTC) score and reporting the MSTC score to a financial transactor, such as a merchant or payment processor, is disclosed. The system includes a mobile device, such as a smart phone having a touch screen display, and sensors, such as an accelerometer. The method includes steps of collecting operational data for a mobile device, recording the operational data to establish short term and long term patterns pertaining to mobile device interaction characteristics, user traits, mobile device use characteristics or combinations thereof. Other steps include determining the MSTC score by comparison of the short term and long term patterns for the device interaction characteristics, user traits, and device use characteristics, then reporting the secure transaction confidence score to a financial transactor. | 08-18-2011 |
20110202454 | METHOD AND SYSTEM FOR MANAGING RESOURCES - A method of managing resources through optimising performance-based compensation is presented. The method is particularly applicable to fund management, and can provide a number of advantages in fund management including: asymmetric recourse against a fund manager's compensation, dynamically managed exposure and performance fees varied according to an agreement between an investor and the manager. The method comprises monitoring the value of the fund, calculating a performance fee that is due to the fund manager for managing the fund, adding, when the value of the fund increases, a first portion of the performance fee to a fund manager's account, and a second portion of the performance fee to a cushion account, and subtracting, when the value of the managed fund decreases over said time period, a compensation fee from the cushion account to compensate for at least some of the decreased value of the managed fund. | 08-18-2011 |
20110202455 | PREPAID ACCOUNT FUNDS TRANSFER APPARATUSES, METHODS AND SYSTEMS - The PREPAID ACCOUNT FUNDS TRANSFER APPARATUSES, METHODS AND SYSTEMS (“PAFT”) transform prepaid account invitation requests via PAFT components into scheduled prepaid account transactions. In one embodiment, the PAFT obtains, from a transferor user holding a transferor prepaid account, a prepaid account invitation request specifying a transferee user and a prepaid funds transfer amount. The PAFT generates a customized prepaid account invitation for the transferee user based on the prepaid account invitation request, and provides the customized prepaid account invitation for the transferee user. Upon obtaining an invitation acceptance from the transferee user in response to the provided customized prepaid account invitation, the PAFT creates a transferee prepaid account for the transferee user, and transfers, upon creating the transferee prepaid account, the prepaid funds transfer amount of funds specified in the prepaid account invitation request from the transferor prepaid account to the created transferee prepaid account. | 08-18-2011 |
20110202456 | NOTIFICATION AND RESPONSE SYSTEM WITH FINANCIAL TRACKING FEATURES - A notification and response system utilizing a processor with dynamic information database and an administrator interface to transmit a financial messages from an administrator to a contact devices for guardians, and others associated with persons in an institution. The database has guardian, employee, and other person contact data, priority information, and response data. The administrator initiates distribution of the financial message based upon priority information and the priority order. The message is transmitted through at least two industry standard protocols simultaneously to guardians, employee, and other persons listed contact devices based upon priority information. Once the financial message is received a response is transmitted back through the two industry standard protocols back to the dynamic information database to insure the financial account is fully funded. | 08-18-2011 |
20110202457 | Systems and Methods for Managing Risk Associated with a Geo-Political Area - Methods and systems are presented for managing Risks, including regulatory and reputational risk. The methods can be implemented in a computer and include receiving data descriptive of informational artifacts with content related to at least one of reputational and regulatory risk into the computer system. The computer system can have one or more geo-political areas defined within it. The computer system can also receive data descriptive of details of a financial transaction, wherein the details include an indication of at least one geopolitical area associated with the financial transaction. At least one informational artifact related to at least one of reputational and regulatory risk can be associated with the at least one geopolitical area associated with the financial transaction and the computer system can generate a report comprising data descriptive of the informational artifacts associated with the at least one geopolitical area associated with the financial transaction. | 08-18-2011 |
20110208640 | TICKETED FUNDS TRANSFERS BETWEEN A BROKERAGE ACCOUNT AND A DEPOSIT ACCOUNT - Systems, apparatuses, and methods may include establishing an omnibus account for conducting financial transactions with a financial institution, establishing a brokerage account for each of a plurality of customers, receiving a plurality of order requests to make transfers of respective customer-specified monetary amounts between a subset of the brokerage accounts and the omnibus account, aggregating the monetary amounts to determine a net monetary amount based on the order requests, generating a payment order based on the net monetary amount, communicating the payment order to the financial institution, and receiving confirmation from the financial institution in response to the payment order to execute the order requests. | 08-25-2011 |
20110208641 | HONORARY PAYMENT SYSTEM AND METHOD - Provided in some embodiments is a method for conducting a transaction for electronically transmittable items. The method includes receiving a request to purchase an electronically transmittable item of an internet vendor, wherein the electronically transmittable item is configured to be received via electronic transmission, requesting a voluntary payment from a purchaser in exchange for providing the electronically transmittable item, wherein the request comprises a request to provide the voluntary payment to one or more third party agents, providing the electronically transmittable item to the purchaser via electronic transmission prior to receiving the voluntary payment for the electronically transmittable item, and receiving the voluntary payment for the electronically transmittable item via at least one of the one or more third party agents. | 08-25-2011 |
20110208642 | TRANSACTION SCORING SYSTEM AND METHOD - Provided in some embodiments is a method for conducting an honorary credit transaction. The method includes receiving a request to purchase an electronically transmittable item of an internet vendor, wherein the electronically transmittable item is configured to be received via electronic transmission, assessing honorary credit worthiness of a purchaser requesting to purchase the electronically transmittable item from an internet vendor via electronic transmission, and if the honorary creditworthiness of the purchaser satisfies a credit threshold: providing honorary credit to the purchaser in exchange for an honorary commitment to provide payment for the electronically transmittable item to one or more agents, wherein the honorary commitment comprises a non-legally binding commitment to provide payment to the one or more agents for purchase of the electronically transmittable item, and providing the electronically transmittable item to the purchaser via electronic transmission prior to receiving payment for the electronically transmittable item. | 08-25-2011 |
20110208643 | HONORARY CREDIT SYSTEM AND METHOD - Provided in some embodiments is a method for conducting an honorary credit transaction. The method includes providing a system configured to provide honorary credit to a purchaser in exchange for an honorary commitment to provide payment for electronically transmittable item to one or more agents, wherein the honorary commitment comprises a non-legally binding commitment to provide a payment to the one or more agents for purchase of the electronically transmittable item, receiving a request from a first purchaser to provide a second purchaser honorary credit in exchange for an honorary commitment to provide payment for an electronically transmittable item to one or more agents, providing the second purchaser honorary credit in exchange for an honorary commitment to provide payment for the electronically transmittable item to one or more agents, providing the electronically transmittable item to the second purchaser via electronic transmission prior to receiving payment for the electronically transmittable item, and if a payment is received for the electronically transmittable item via at least one of the one or more agents, providing an incentive to the first purchaser. | 08-25-2011 |
20110208644 | MONEY MANAGEMENT SYSTEM - A money management system includes a money handling machine | 08-25-2011 |
20110208645 | VIRTUAL FARE CARD AND VIRTUAL FARE DEVICE - Embodiments of systems, methods, and machine-readable media are disclosed for enabling a uniquely-identifiable item as fare media in a transit system. Embodiments generally include collecting a unique identifier from the item, and sending the unique identifier, and other data, to a virtual fare device. The virtual fare device can use the unique identifier to access historical and/or other information associated with the unique identifier, calculate a fare, and/or update the information in a manner similar to how a physical fare device updates information on physical fare media, such as a stored-value card. The virtual fare device then can send data, such as priced transaction data including fare information, to other systems and/or servers of the transit system for further processing. | 08-25-2011 |
20110208646 | SMART VEHICLE NAVIGATION AND TRACKING SYSTEM - An intelligent navigation and vehicle tracking (INVT) utility collects/generates vehicle activity and location information for vehicles equipped with an intelligent navigation device. The INVT utility obtains GPS/location data for various vehicles from information provided by corresponding navigation devices and uses the received location information to calculate congestion and identify alternate routes. Additionally, the INVT utility provides an incentive mechanism for motorists to receive credit/cash rewards for selecting less congested routes. The INVT utility utilizes congestion data to determine the time efficiency and energy efficiency for traveling along particular routes. Furthermore, the INVT utility enables motorists to select routes based on energy expended, time expended and/or available credit/cash rewards. One aspect involves: downloading computerized maps providing a driver with information about: (a) pre-selected types of establishments; and (b) wireless network signal service levels/availability; and enabling drivers with registered driver accounts to establish driver sub-networks for sharing specific information with other drivers/members/friends. | 08-25-2011 |
20110208647 | System and Method for Crowd-Based Resource and Data Management - A system for crowd-based data and resource management, comprises, an application server adapted to perform a method of data management comprising providing an interface for posting an idea, providing an interface to search for an organization, providing an interface to enable a user to donate to the organization, providing an interface to share information about the organization, and providing an interface to view analytics about the organization. | 08-25-2011 |
20110208648 | BEARING INFORMATION ON A CARD - A financial transaction card is supplemented by position determining means which determines position coordinates for the card. The determined position is compared with a predetermined position stored in the memory to provide bearing data on the predetermined position from the position of the card. The card also includes a display for indicating the bearing. The card is particularly useful for indicating the bearing of the Kaaba from the position of the card. | 08-25-2011 |
20110213699 | Consumer-Managed Escrow Accounts - Disclosed is a method and system for a Consumer-Managed Escrow Account which provides for an account capable of serving as a repository of funds, held in trust, to be used on behalf of the consumer, which shall be disbursed at the consumer's discretion to a plurality of recipients based on the fulfillment of a condition, but from which the consumer has no direct means to access the funds for personal use. | 09-01-2011 |
20110213700 | ELECTRONIC NOTARY SYSTEM, METHOD AND COMPUTER-READABLE MEDIUM - A system includes a computer having a time retrieval unit to connect to an official time provider via a network and to retrieve an official current time, a data acceptance unit to receive information regarding a target object entered via a data input interface, an encoding unit to create and encode a machine readable identifier representing the official current time and the information regarding the target object, a marking unit to mark the target object by marking the machine readable identifier to the target object and a storage unit to store data associated with the machine readable identifier in a storage in a server. | 09-01-2011 |
20110213701 | METHOD AND SYSTEM FOR INSURING AGAINST INVESTMENT LOSS - Participants purchase into a given system for a given period of time. Those with investment gains, by definition, are without loss and need no compensation from the system. Those with investment losses are reimbursed by the system according to previously agreed upon terms. Total loss of a given system's participants is calculated, with that figure compared to the previously agreed upon amount of funds available for loss compensation (total revenue generated by participant premiums minus previously agreed upon detracted percentage for firm or a sum set forward by the company that is independent of a given system's generated revenue). | 09-01-2011 |
20110213702 | SYSTEM AND METHOD FOR PROVIDING DISPUTE RESOLUTION FOR ELECTRONIC PAYMENT TRANSACTIONS - A computer-based system and method for resolving disputes between a customer and an electronic payment provider concerning an electronic transaction between the customer and a merchant, including receiving data related to the transaction in a computer; transmitting the data from the computer to a dispute resolution server; comparing the transaction data to predetermined eligibility criteria for dispute resolution in the dispute resolution server, and if the dispute resolution criteria is met, declining future transactions from the merchant for the disputing consumer; and, comparing the transaction data to predetermined eligibility criteria for transaction credit, and if the credit criteria is met, and transmitting a credit instruction for the transaction. | 09-01-2011 |
20110218907 | SYSTEM AND METHOD FOR CREATING AND MANAGING A SHARED STORED VALUE ACCOUNT ASSOCIATED WITH A CLIENT DEVICE - A method for creating and managing a shared stored value account associated with a client device is disclosed. The method may include assigning a first unique identifier to an owner of a stored value account and assigning a primary account number to the stored value account. The method may further include receiving input to create a shared stored value account based on the stored value account as well as receiving input corresponding to an intended recipient of the shared stored value account. The method may also include creating a second unique identifier that is associated with the intended recipient of the shared stored value account and that is associated with the primary account number assigned to the stored value account. The method may also include displaying options for restrictions as well as creating a second primary account number that is associated with the second unique identifier for tracking the restrictions. | 09-08-2011 |
20110218908 | Discount Funded Savings - Disclosed is a method and system for Discount Funded Savings wherein an account is funded by the savings generated from the use of coupons or retailer discounts. | 09-08-2011 |
20110218909 | TRANSACTION VELOCITY COUNTING FOR FRAUD DETECTION - Methods and systems for detecting fraud based on velocity counts are disclosed. | 09-08-2011 |
20110218910 | METHOD OF ESTABLISHING AN ENDOGENOUS FUTURES MARKET FOR POLLUTANT EMISSION FEES - The method of reducing emissions of a pollutant by relying on a novel endogenous futures market to set the pollutant emission fees. The individual marginal cost (m1) is known by actors, companies, individuals or actors for reducing one emission unit of the pollutant. The current market rate of the futures price (n1) for an emission unit is determined by the market. The emission fee (s1) during a certain time period (for instance; month) in the future is set by law or decree to be the same as the price of the futures contract on a certain expiry date in advance of the above mentioned time period to ensure genuine uncertainty of (s1). | 09-08-2011 |
20110231303 | TERMINAL DEVICE AND DIGITAL CONTENT MANAGING APPARATUS - A terminal device for receiving encrypted digital content provided by a digital content managing apparatus through a digital transmission system is provided. The terminal device comprise a processor which includes an ID obtaining module configured for obtaining an identification (ID) of the terminal device; and a decryption module configured for generating the password according to the ID and decrypting the encrypted digital content received by the receiving unit. The ID is provided to the digital content apparatus to generate a password to encrypt digital content subscribed by the terminal device. A digital content managing apparatus accessible for the terminal device is also provided. | 09-22-2011 |
20110231304 | SECURE METHOD AND APPARATUS FOR REMOTE FUNDING OF CURRENT PAYMENT ACCOUNTS - A funding method and apparatus between a monetary account holder and a remote cash provider allows the cash provider to fulfill the request for funding received from the account holder through ordinary electronic communication means by redeeming a load voucher against cash into the account of the requester, without the need for the account holder to share any identification of his/her account with the cash provider and without the cash provider having to share any identification of the load voucher with the account holder. The account holder initiates a request for funding by logging into his/her online monetary account and by providing the email address and/or phone number of the solicited cash provider. The cash provider receives a funding request message including either a printable or displayable cash load voucher, or including a link to a data entry form where he/she will be able to input the identifier of a load voucher obtained locally from a distributor of vouchers of the background art. The cash load voucher identifier or the link included in the message sent to the cash provider are uniquely derived from the identity of the account to be funded through the use of a one-way function, thus allowing the cash provider to redeem his/her voucher into the correct account without explicit transmission of the account details. | 09-22-2011 |
20110231305 | Systems and Methods to Identify Spending Patterns - In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions, a portal configured to determine online activity tracking data, and at least one processor coupled with the data warehouse and the portal and configured to identify, using the transaction data and the online activity tracking data, first users who have not been to a website of a first merchant within a predetermined period of time, identify a set of transactions of the first users, and determine a spending pattern in the set of transactions of the first users. | 09-22-2011 |
20110231306 | Remotely controlled system and method for the preparation of a user-defined food product or beverage - A remotely controlled system for the preparation of a user-defined food product or beverage including an input module on a remote device configured to input user-specified parameters associated with the preparation of the user-defined food product or beverage. A user profile module on one or more servers is configured to store one or more of the user-specified parameters, predetermined alerts, and nutritional information associated with the user-specified parameters and send one or more of the user-specified parameters, predetermined alerts and nutritional information for display on the input module. A local controlling computer subsystem is responsive to the input module controlling computer subsystem and is configured to prepare the user-defined food product or beverage based on the one or more commands and interactive instructions from the user. | 09-22-2011 |
20110231307 | SYSTEM FACILITATING TRI-PARTY REPURCHASE AGREEMENT TRANSACTIONS - In accordance with at least one embodiment, a system configured to provide a collateral management service for tri-party hybrid repo transactions includes hardware and/or software for receiving, at a repo service provider, instructions specifying a tri-party hybrid repo transaction as well as a payable date for the tri-party hybrid repo transaction; hardware and/or software for transferring collateral that is the subject of the tri-party hybrid repo transaction on or prior to the payable date to a buyer/investor for the tri-party hybrid repo transaction in the buyer/investor's Securities Account at the Federal Reserve Bank via the Fedwire Securities Service and free of payment or versus payment; and hardware and/or software for returning collateral on or prior to the payable date to the broker/dealer/seller for the tri-party hybrid repo transaction via the repo service provider versus payment via the Fedwire Securities Service. | 09-22-2011 |
20110231308 | Notification and Response System with Financial Tracking Features - A notification and response system utilizing a processor with dynamic information database and an administrator interface to transmit a financial messages from an administrator to a contact devices for guardians, and others associated with persons in an institution. The database has guardian, employee, and other person contact data, priority information, and response data. The administrator initiates distribution of the financial message based upon priority information and the priority order. The message is transmitted through at least two industry standard protocols simultaneously to guardians, employee, and other persons listed contact devices based upon priority information. Once the financial message is received a response is transmitted back through the two industry standard protocols back to the dynamic information database to insure the financial account is fully funded. | 09-22-2011 |
20110231309 | HANDHELD ORDER UNIT AND CASH HANDLING DEVICE - Methods and devices allow a handheld order unit to be used with a cash handling device. A handheld order unit may be used by a staff person to enter order information, to display an amount due for the meal or other transaction, to facilitate payment, to print receipts, and to communicate information about the transaction to a cash handling device. The cash handling device may identify the handheld order unit and the assigned user for the unit and determine what financial documents need to be inserted by the user for reconciliation purposes. | 09-22-2011 |
20110238567 | SYSTEM AND METHOD FOR INSTALLMENT PAYMENT TRANSACTIONS - Techniques are provided for a method of installment payment transactions associated with a credit card account. An installment service having one or more servers receives a credit card transaction. An installment payment amount for the transaction is calculated. Based on the calculated payment amount, an installment payment offer is presented to a confirmation device. | 09-29-2011 |
20110238568 | Enhanced Optimized Routing With Volume Controls - Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors/controls, such as speed, quality, cost, priority, and/or volume. The volume controls may be configured with minimum and maximum values and configured to override other factors (e.g., cost, quality, etc.) Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner. | 09-29-2011 |
20110246357 | CHARGEBACK RESPONSE TOOL - A method and a system of a chargeback response tool. A chargeback response tool receives chargeback data from a financial vendor and automatically retrieves chargeback dispute evidence relating to the parties involved in the chargeback and about the original transaction from a transaction system that facilitated the original transaction. The chargeback response tool organizes and presents chargeback dispute evidence. The chargeback response tool may also analyze the performance and effectiveness of agents using the tool and of various approaches of disputing chargebacks. | 10-06-2011 |
20110246358 | Enhanced Least Cost Routing of Fund Transfer Transactions - Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors, such as speed factors, quality factors, cost factors, and/or priority factors. Users sometimes desire to remotely transfer funds from their account (i.e., payor account) to a payee, but are ambivalent as to the delivery mechanism their financial institution uses to perform the transfer. Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner. | 10-06-2011 |
20110246359 | METHODS AND SYSTEMS FOR IDENTITY AUTHENTICATION - The Greenlist tool provides payors desiring to pay a merchant a means to locate, validate and effect the transfer of assets to another party by routing transaction requests to a third party that functions as the transaction enabler. This task is performed without divulging confidential information about transactors while assigning liability for certain risk consequences to the lowest cost risk bearers: banks. Greenlist verifies identities before making financial transactions or before obtaining access to restricted information. The Greenlist can be completely trusted by risk-bearers. Liability for risk can be transferred to the registrars of the information contained within the registry. This liability transfer substantially reduces the payor's cost of bearing risks. Banks or third parties responsible for certifying that someone or some entity claiming to be an authorized party is not an impostor can now offer new levels of service at a substantially lower cost for a variety of transactions. | 10-06-2011 |
20110246360 | Money Transfer Using Cellular Networks - A method of transferring money from a first user to another user through a cellular network is disclosed. The method includes a the first user buying a voucher of a specified money from market and sending a USSD string to a cellular network, the cellular network authorizing details provided by the first user, sending a notification to the first user confirming transfer of the money to the second user, sending the second user a notification informing receipt of the money from the first user, sending the second user a secret code, a vendor confirming details provided by second user by contacting the cellular network, the cellular network further confirming the second user, authorizing the vendor to pay the specified money to the second user, crediting the money to the vendor account, and sending a confirmation to the first user notifying the second user has received the cash. | 10-06-2011 |
20110251949 | System and Method for Customizing Real-Time Applications On A User Interface - A computer-implemented method for customizing a user interface comprises receiving, from a touchpoint device, identification information entered by a user; accessing a record of the user from a database using the received identification information; determining whether the record has any application windows configured for the user interface on the touchpoint device; transmitting, by a server to the touchpoint device, at least a first financial application window and a second financial application window identified by the record of the user for display of the first financial application window and the second financial application window simultaneously on the user interface of the touchpoint device; receiving instructions from the user via the first financial application window to perform a financial transaction; and performing, by a server, the financial transaction while the touchpoint device displays at least the first financial application window and the second financial application window, wherein the first financial application window and the second financial application window are updated with real-time information. | 10-13-2011 |
20110251950 | RESTRICTED USE CURRENCY - A first method comprises receiving at a computer apparatus an authorization request message comprising a first merchant identifier. The request message may also comprise an account identifier associated with an account and a first transaction amount for a first transaction conducted with a first merchant. The first method further comprises determining, by the computer apparatus, if an account comprises merchant specific currency associated with the first merchant that may be used to conduct the first transaction. It may then be determined if there is sufficient merchant specific currency associated with the first merchant in the account to pay for the first transaction amount. If there is insufficient merchant specific currency associated with the first merchant to pay for the first transaction amount, then non-specific currency in the account is applied automatically to a remainder of the first transaction amount. | 10-13-2011 |
20110251951 | ANTI-FRAUD EVENT CORRELATION - Methods, systems, appliances and/or apparati related to identifying potential fraud associated with financial transactions are provided. An example system for identifying potentially fraudulent financial transactions may include transaction-model databases, a fraud assessment engine operably coupled to the transaction-model databases, and a reporting engine operably coupled to the fraud assessment engine. The transaction-model databases may be configured to store transaction-model data associated with a plurality of historical financial transactions. The transaction-model data may include a plurality of attribute data corresponding to a respective attribute of the historical financial transactions. The fraud assessment engine may generate a fraud assessment based (at least in part) on a comparison of current financial transaction attribute data (and/or or the values thereof) with at least a portion of the transaction-model data. The reporting engine may generate a fraud assessment report and/or a fraud alert signal based (at least in part) on the fraud assessment. | 10-13-2011 |
20110258110 | Leveraging a Power Distribution System to Provide Establishment Services - Some embodiments leverage a power distribution system to provide a mobile platform with which establishments can connect to users and provide establishment services to the user. Specifically, the power distribution system includes several distributed power stations and a server that authorizes access to power of each power station. Additionally, the power distribution system provide a mobile application that runs on an electronic device and that sends to the server a request to access power from a power station at a particular establishment. Through the mobile application, establishments can provide content to the user from which users can request and obtain services from the establishment. The mobile application requests such services by communicably coupling to a server of the establishment. | 10-20-2011 |
20110258111 | ALIAS MANAGEMENT AND OFF-US DDA PROCESSING - An alias management and off-us demand deposit account processing system is disclosed. A sending entity initiates a value transfer with a payment processing network indicating a value transfer providing issuer which will conduct the value transfer and a demand deposit account issuer which hosts the demand deposit account that funds the value transfer. The sending entity is able to conduct a value transfer via a value transfer providing issuer using funds from an account with another issuer. | 10-20-2011 |
20110258112 | SYSTEM AND METHOD FOR CHARGING A VEHICLE - A system and method for charging a vehicle, including receiving electricity via a wall box mounted electrical receptacle or a plug-in receptacle electrically connected to an electrical energy source; establishing a connection between a communication module of the wall box mounted electrical receptacle or the plug-in receptacle and a communications network; receiving electrical energy source data; and controlling the charging of an electrical storage device of the vehicle by automatically controlling the charging based on the electrical energy source data. | 10-20-2011 |
20110258113 | Document Processing System Using Full Image Scanning - A system for tracking currency bills comprises a currency scanning device. The scanning device includes a sensor that retrieves currency identification characteristic information of each bill processed. The currency identification characteristic information permits the unique identification of each bill processed. The system further comprises a customer identification means and means for associating each processed bill with the customer depositing the bill. Means for identifying the customer (or customer account) associated with a particular processed bill after the deposit transaction has been completed is also included in the system. | 10-20-2011 |
20110258114 | APPARATUS AND METHOD FOR AN ELECTRONIC TELEPHONE WALLET AND/OR COMMUNICATION DEVICE WALLET - An apparatus and method for providing an electronic wallet device, including a memory device for storing payment identifier information associated with an account holder, a processing device for processing a payment command, wherein the processing device retrieves the payment identifier information from the memory device, and a transmitter for transmitting the payment identifier information to a merchant computer, wherein the merchant computer is associated with a merchant, and further wherein the payment identifier information is utilized in a transaction with the merchant. | 10-20-2011 |
20110264580 | Method and System Using a Bitmap for Passing Contactless Payment Card Transaction Variables in Standardized Data Formats - An electronic payment system is configured to process both proximity payment card type and magnetic stripe card type transactions. The magnetic stripe card transaction data is communicated between cards, readers, and transactions authorizing or approving parties in common industry ISO 7811 standard data structures or tracks. The proximity payment card transaction data such a dynamic authentication codes are placed in unused space in the same standard formatted data structures. The availability of unused space varies with card issuer or vendor. An issuer-specific bitmap provides an index to the available space in discretionary data fields in magnetic stripe tracks. The bitmap also is stored in the card's discretionary data field. | 10-27-2011 |
20110264581 | Systems and Methods to Provide Market Analyses and Alerts - In one aspect, a computing apparatus includes: a transaction handler configured to process payment transactions between issuer processors on behalf of account holders and acquirer processors on behalf of merchants; a data warehouse configured to store transaction data recording the payment transactions and environmental data identifying market activities and events occurring shortly before, concurrently with, or shortly after the respective payment transactions; an analytic tool coupled with the data warehouse and configured to correlate the transaction data and the environmental data to establish at least one predictive model and configured to predict a market activity based on the predictive model; and a gateway to provide information about a prediction of the market activity to a user via a report or a mobile alert. | 10-27-2011 |
20110270741 | UNIVERSAL PAYMENT MODULE SYSTEMS AND METHODS FOR MOBILE COMPUTING DEVICES - The present disclosure provides universal payment module systems and methods for mobile computing devices that include a universal payment module and an associated adapter device for coupling the universal payment module to any of a plurality of mobile computing devices. The present disclosure utilizes a common payment module which can interface multiple mobile computers with differing form factors via a snap-on sled. Advantageously, the present invention allows the leveraging of one payment module for many mobile computers. The single payment module includes various special payment security mechanisms via mechanical, electrical, and software mechanisms. The present disclosure enables design, standardization, and production of one single common, universal payment module for a plurality of mobile computer devices instead of one specific payment module for each form factor of the plurality of mobile computer devices. | 11-03-2011 |
20110270742 | SYSTEM, SOFTWARE APPLICATION, AND METHOD FOR DISPLAYING THIRD PARTY MEDIA CONTENT IN A PUBLIC SPACE - A system, method, and computer software application for the delivery and display of third-party multi-media content in a public space on locally managed display devices, wherein the delivery and presentation of the third-party multi-media content is manageable remotely from the public space, sale of display time for display on the locally managed display devices is manageable independently from local management, and the display and remote-management of the third-party content can co-operate with an incumbent multi-media management and display application operating on the locally managed display devices without requiring a re-tooling or custom programming of the incumbent multi-media management and display application. | 11-03-2011 |
20110270743 | FINANCIAL TRANSACTION SYSTEMS - Embodiments of the present invention disclose a financial transaction system comprising a report processor ( | 11-03-2011 |
20110270744 | MOBILE TANGIBLE VALUE BANKING SYSTEM - A mobile tangible value banking system is disclosed. A mobile tangible value banking system enables a consumer entity to make a withdrawal from or deposit to their bank account by physically exchanging tangible value with a banking agent and correspondingly verifying the deposit or withdrawal using a mobile device. The consumer entity and the banking agent may be mobile and free to meet in a predetermined location, which may allow banking services to enter remote areas of emerging markets. | 11-03-2011 |
20110270745 | System and Method for Facilitating Charitable Donations - A method suitable for electronically facilitating a transaction between a donor and a recipient comprises the steps of: matching the recipient to the donor based on at least one predetermined matching criterion; transferring at least a first portion of a donation amount from the donor to the recipient; and transmitting donor web content to the recipient in response to conditional acceptance by the recipient of at least the first portion of the donation amount. | 11-03-2011 |
20110270746 | ELECTRONIC MONEY PAYMENT SYSTEM AND ELECTRONIC MONEY PAYMENT METHOD - The present disclosure relates to electronic money payment system and method which allows payment to be processed not only with a payment amount according to the currency of a user's electronic money but also with a payment amount according to any currency advantageous for payment among various payment amounts according to various types of currencies which are different from that of the user's electronic money, in consideration of the exchange rates. | 11-03-2011 |
20110276472 | Closure for A Compartment - The invention provides a closures ( | 11-10-2011 |
20110276473 | SYSTEM AND METHOD FOR FACILITATING EXCHANGE OF ESCROWED FUNDS - An electronic escrowed funds transfer system includes an escrow server in communication with a request client and a resource control client. The escrow server may include a funds management module to process and track funds being held in escrow, a resource management module to process a resource modification request, and a data repository module to store information relating to the request client, the resource control client, a resource to be modified, and/or the resource modification request. The resource modification request may be received by the escrow server and may include information relating to a location of the resource to be modified, an amount of funds to be paid for a modification of the resource, and/or a condition associated with the modification of the resource. The resource management module may transmit a notification upon receipt of the funds to the resource control client that a funded modification request has been received, and the resource management module may monitor a status of the modification of the resource to be modified to ensure that the condition has been met. The resource management module is in communication with the funds management module to release the funds to the resource control client upon determining that the condition has been met. | 11-10-2011 |
20110276474 | Method for Facilitating Payment of a Computerized Transaction - A method for facilitating the transfer of a payment for a computerized transaction between a buyer and a seller for the purchase of an item using a computer network, such as the Internet. The method includes the steps of communicating, from a seller's computing station to an agent computing system, data regarding the transaction between the buyer and the seller, wherein the data identifies the buyer, the seller, and the amount of the transaction. The agent computing system communicates transaction information displayable to the buyer, such as a confirmation number created by the agent computing system for identifying the transaction, an order number corresponding to a merchant order number provided by the merchant for identifying the transaction, an exchange rate between a first local currency usable to the buyer and a second currency usable by the seller, and a total price of the transaction expressed in the first local currency usable by the buyer. Receiving an actual payment from the buyer at a plurality of agent locations is provided for, the agent locations being in communication with the agent computing system. Upon receiving the actual payment from the buyer at one of the agent locations, a message is communicated to the seller that the actual payment for the transaction was received at the agent location, thereby permitting the seller to begin shipment of the item to the buyer. Funds are transferred to the seller preferably paid in the second currency usable by the seller. | 11-10-2011 |
20110276475 | PAYMENT TRANSACTION DISPUTE RESOLUTION SYSTEM - A system, apparatus, and method for resolving disputes arising from payment transactions. Such disputes may relate to the non-performance of an obligation agreed to by a party to a transaction, or the dispute may involve an allegation that a payment transaction was fraudulent, with a chargeback being requested. The invention may be used to resolve disputes arising from payment transactions that are processed by more than one payment processor, such as for a first payment transaction that was processed by a first payment processor and a second payment transaction that was processed by a second and different payment processor. | 11-10-2011 |
20110276476 | SYSTEM FOR SENDING ELECTRONIC MONEY AND METHOD FOR SENDING ELECTRONIC MONEY - A system for remitting electronic money and a method for remitting electronic money, by which subscriber identification information of each user can be used as a virtual electronic money account and electronic money can be conveniently exchanged/remitted between different countries by using the subscriber identification information. | 11-10-2011 |
20110276477 | METHOD AND APPARATUS FOR MANAGING OWNERSHIP OF VIRTUAL PROPERTY - A method and apparatus for managing ownership of virtual property accessible to users is provided by a computer-implemented system connected to a network. This method and apparatus further comprises maintaining an inventory of virtual properties, managing ownership of virtual properties, and allowing use of virtual properties by corresponding property owners within corresponding network spaces. In particular, virtual properties are purchased from a system by user computers, wherein virtual properties may be accessed by a user and/or sold or traded to other users which may include auction websites | 11-10-2011 |
20110282780 | METHOD AND SYSTEM FOR DETERMINING FEES AND FOREIGN EXCHANGE RATES FOR A VALUE TRANSFER TRANSACTION - A method for a value transfer operation includes determining a sender currency using the account information of the sender and a receiver currency using the BIN associated with the sender account. The method further includes determining a currency exchange rate, transaction fee, and currency markup fee based on the sender and receiver currencies and various attributes of the sender account and the receiver account. | 11-17-2011 |
20110282781 | System and Method for Average Daily Balance Optimization for Accelerated Loan Payoff - A system and method for average daily balance optimization forecast for accelerated loan payoff. A computing apparatus configured using computer readable program code enables optimization of an average daily balance using user-specified configuration of dates of income deposits and expense item withdrawals. Based on user-specified line of credit parameters and loan details, the configured computing apparatus can generate a recurring draw threshold and recurring draw amount that can be used by an individual in leveraging a line of credit for accelerated loan payoff. | 11-17-2011 |
20110282782 | Portfolio Synchronizing Between Different Interfaces - An account coordination system includes an Internet-connected server executing software from a non-transitory, machine-readable medium. The software provides direct linking between the server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account, direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises, and tracking functionality whereby the server tracks activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts. The server propagates any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces. | 11-17-2011 |
20110288991 | SYSTEM AND METHOD FOR AUTOMATED ISSUER-EFFECTUATED DIRECT DEPOSIT ENROLLMENT - A system and method are provided which provide the ability for third parties such as account issuers, for example, to easily initiate direct deposit enrollments on behalf of accountholders. | 11-24-2011 |
20110288992 | Techniques for Progressive Purchasing - Techniques for progressive purchasing of a device are disclosed. In one embodiment, a method for progressive purchasing of a device includes receiving information indicating a payment for a device from a customer, determining a payment pattern by the customer based on a recorded customer payment history and the received information, identifying a functionality to be enabled in the device based on the determined payment pattern, and enabling the identified functionality. The identified functionality is selected from a plurality of functionalities associated with the device. | 11-24-2011 |
20110295739 | BANKRUPTCY PAYMENT AND DEBT TRACKING - In general terms, embodiments of the present invention relate to methods and apparatuses for tracking payments and debts associated with a bankruptcy debtor. For example, some embodiments of the present invention are configured to: (a) receive information associated with one or more payments, where the one or more payments are associated with a debtor; (b) determine that a first portion of the one or more payments applies to pre-petition debt associated with the debtor; (c) determine that a second portion of the one or more payments applies to post-petition debt associated with the debtor; and (d) post, to a network-accessible account associated with the debtor, information that indicates that the first portion applies to the pre-petition debt and information that indicates that the second portion applies to the post-petition debt. | 12-01-2011 |
20110295740 | System And Method For Secure Transactions - A secure transaction system includes an image generator configured to generate human readable characters, a random placement generator coupled to the image generator, and an encoding system configured to encode the human readable characters in a data stream in an order determined by the placement generator, wherein the transaction system is configured to transmit the data stream to a user interface and to receive a selected data stream from the user interface. Also included is a method for secure transaction processing including receiving an encoded data stream representative of a plurality of human readable characters positioned in a random order, selecting a human readable character from the plurality of human readable characters, and transmitting a portion of an encoded data stream representative of the selected human readable character. | 12-01-2011 |
20110295741 | MONEY MANAGEMENT DEVICE, MONEY MANAGEMENT SYSTEM, MONEY MANAGEMENT METHOD AND TELLER MACHINE - A money management system related to one embodiment of the present invention includes a teller machine provided for managing a money amount in a branch of a financial institution, and a money management device that is connectable with the teller machine so as to be able to communicate with each other, and is capable of independently managing the money amount, wherein the teller machine includes: a cooperation-process-information preparation unit configured to prepare cooperation process information for specifying the content of a storage/take-out process, in the case in which the storage/take-out process is performed in regard to the total amount of money stored in the money management device (or money-management-device money amount); and a cooperation-process-information transmission/reception unit configured to transmit and receive the cooperation process information between the teller machine and the money management device, such that the teller machine can manage the money amount including the money-management-device money amount. | 12-01-2011 |
20110295742 | Object Information Derived from Object Images - Search terms are derived automatically from images captured by a camera equipped cell phone, PDA, or other image capturing device, submitted to a search engine to obtain information of interest, and at least a portion of the resulting information is transmitted back locally to, or nearby, the device that captured the image. | 12-01-2011 |
20110302077 | METHOD AND SYSTEM FOR ACCOUNT MAINTENANCE VIA A BROADBAND GATEWAY - Aspects of a method and system for account maintenance via a broadband gateway are provided. In this regard, a subscriber associated with a gateway may have a plurality of subscriber accounts with a corresponding plurality of service/content providers. Information associated with the accounts may be stored in the gateway, and the gateway may present a user interface via which the subscriber may manage settings and balances associated with the accounts. The user interface may enable submitting a single payment such that funds from the single payment are applied to each of the accounts. Activity of the plurality of accounts may be displayed via the user interface. The gateway may be operable to monitor activity of one or more of the plurality of accounts. The gateway may be operable to generate one or more alerts based on the activity and based on criteria established for each of the plurality of accounts. | 12-08-2011 |
20110302078 | MANAGING AN ENERGY TRANSFER BETWEEN A VEHICLE AND AN ENERGY TRANSFER SYSTEM - A method, computer-readable medium, and system for managing a transfer of energy is disclosed. | 12-08-2011 |
20110302079 | SYSTEM AND METHOD OF PROCESSING PAYMENT TRANSACTION DATA TO DETERMINE ACCOUNT CHARACTERISTICS - A system, apparatus, and method for more effectively marketing financial products and services to consumers by determining the opening date and activity level within a payment account based on data from payment transactions in which the consumer has participated. This information may be used to determine where a consumer's transaction activities place them in terms of product adoption, and hence what types of products or services the consumer might be interested in using in the future. | 12-08-2011 |
20110302080 | METHOD AND APPARATUS FOR VALUE INTERCHANGE PRICING - Systems, methods, apparatus, computer program code, and means for processing transactions are provided which include receiving transaction data associated with a payment transaction, said transaction data including a payment account identifier, the payment account identifier identifying a payment account, determining a value score associated with the payment account identifier, determining, based on the value score, an interchange tier associated with the payment account identifier, and providing an indication of the interchange tier to a clearing and settlement process involving the payment account identifier. | 12-08-2011 |
20110302081 | SYSTEM AND METHOD FOR MASS TRANSIT MERCHANT PAYMENT - Methods, systems and computer program products are provided for enabling payment of transit system fees using a financial transaction instrument. Entry is permitted onto a transit system by recognition of information included in an identification number stored on a financial transaction instrument. The identification number stored on the financial transaction instrument is associated with a transit system fee registered for each use of the transit system. A plurality of transit system fees associated with the same identification number from use of the financial transaction instrument is aggregated, and payment for the aggregated transit system fees is requested from a transaction account associated with the financial transaction instrument. | 12-08-2011 |
20110307374 | Account Prediction Tools - A computer-implemented method is described for detecting a change in one or more attributes associated with a consumer of financial services, and generating, based at least in part on the detected change, a prediction that the consumer of financial services is likely to initiate an action with regard to one or more financial accounts associated with the consumer. | 12-15-2011 |
20110307375 | VEHICLE RENTAL TRANSACTION SYSTEM AND METHOD - A vehicle rental transaction system and method which provide a vehicle lot owner with a choice of options for vehicle security and customer convenience. The vehicle rental transaction system includes a computer for identifying a customer as part of a rental transaction involving a vehicle, and for sending a wireless message to the vehicle containing instructions for preparing the vehicle for the customer. Example instructions include, but are not limited to, unlocking doors and a trunk of the vehicle, adjusting power seats and power mirrors in accordance with customer preferences, adjusting climate control settings in accordance with the customer preferences, adjusting radio station settings in accordance with the customer preferences, and adjusting GPS settings in accordance with the customer preferences. | 12-15-2011 |
20110307376 | DLNA Data Distribution form a Remote Source - Information distribution relates to a DLNA device ( | 12-15-2011 |
20110313914 | ADJUSTABLE MOUNTING APPARATUS FOR A PERIPHERAL DEVICE OF A SELF-SERVICE RETAIL ITEM CHECKOUT STATION - A self-service retail item checkout station comprises a peripheral device for interacting with a customer while the customer is conducting a self-service retail item checkout transaction at the station. The self-service retail item checkout station further comprises a non-swiveling mounting mechanism including (i) a slidable mounting portion on which the peripheral device is mounted, and (ii) a fixed mounting portion on which the slidable mounting portion is supported for sliding movement between a retracted position in which a customer in a standing position at the station can more easily interact with the peripheral device an extended position in which a customer in a seated position at the station can more easily interact with the peripheral device. | 12-22-2011 |
20110313915 | COLLECTING AND SHARING REVENUE ASSOCIATED WITH PERSONAL DATA ASSETS - A personal data asset portal or service is provided to collect personal data assets associated with a user. Personal data assets, such as data associated with or generated by interaction a user, may be of interest to third parties such as marketers. Personal data assets may be generated through normal use of personal data generation devices such as mobile phones, navigation systems, personal computers, payment transponders, etc. and through interacting with buildings, vehicles and other elements of a user's environment. Personal data assets may include physical locations visited by the user, virtual locations (Web sites) visited by the user, telephone numbers dialed by the user, payment transactions for the user, etc. Access to personal data assets is selectively provided by the user to the third parties for a fee. Personal data assets may be bundled or aggregated by one or more services; users may be bundled into a group. Advantageously, at least a part of the fee or some benefit or advantage is shared with the user, group or user and group. | 12-22-2011 |
20110313916 | STREAMED CONTENT DISTRIBUTION SERVICE - A content distribution platform ( | 12-22-2011 |
20110320343 | PAYMENT LINK - In one embodiment, an intended recipient of money transmits a payment link created by the recipient to an intended sender of money, where the link contains a locator to a site of a payment provider, information about the recipient (e.g., email address), and the amount of money to be sent. The link can be sent via email, text, IM, or other means. The sender then accesses the link, such as by clicking or tapping on the link, which launches a checkout or payment page for the sender on the payment provider site. The sender completes the payment page, and the payment is sent to the recipient by the payment provider. | 12-29-2011 |
20110320344 | EVOLVING PAYMENT DEVICE - A computer apparatus is provided that comprises processor and a computer-readable medium coupled to the processor. The computer readable medium comprises code executable by the processor for implementing a method that comprises receiving a first indication at a computer apparatus that an evolving token has been used in a first transaction. Use of the evolving token in the first transaction provides a first benefit. The method further comprises that in a subsequent transaction after the first transaction, the evolving token changes so that it is associated with a payment account and the evolving token can be used to make payments. | 12-29-2011 |
20110320345 | SMART WALLET - A user's smart phone is used for payments and holding information, similar to what is contained in a physical wallet. Depending on transaction details, user preferences, and location, one or more “best” funding instruments for the transaction are selected for the user, who may then revise if desired. Access to different functions or information within the phone may vary and require different authentication/security levels depending on type of use (e.g., payment or non-payment) and details of use (e.g., high payment amount vs. low payment amount, use of sensitive information vs. non-sensitive information). | 12-29-2011 |
20110320346 | COMPUTERIZED SYSTEM AND METHOD FOR PROVIDING A MARKET STABILIZED INVESTMENT PRODUCT - The present invention provides a method and system for providing a market stabilized financial vehicle. The method and system includes calculating a growth cap rate and loss protection rate associated with a market stabilized financial vehicle, wherein the growth cap rate and loss protection rate are linked to an indexed market. The method and system further comprises transferring a plurality of funds to a segment account associated with the market stabilized financial vehicle and associating, on a point-to-point basis, a percentage change in the index based security with a maturity value of the financial vehicle, wherein the associating a percentage change occurs between the growth cap rate and loss protection rate. The method and system further comprises applying the index linked percentage change and determining a maturity value of the segment account. | 12-29-2011 |
20110320347 | Mobile Networked Payment System - A mobile payment platform and service provides a fast, easy way to make payments by users of mobile devices. The platform also interfaces with nonmobile channels and devices such as e-mail, instant messenger, and Web. In an implementation, funds are accessed from an account holder's mobile device such as a mobile phone or a personal digital assistant to make or receive payments. Financial transactions can be conducted on a person-to-person (P2P) or person-to-merchant (P2M) basis where each party is identified by a unique indicator such as a telephone number or bar code. Transactions can be requested through any number of means including SMS messaging, Web, e-mail, instant messenger, a mobile client application, an instant messaging plug-in application or “widget.” The mobile client application, resident on the mobile device, simplifies access and performing financial transactions in a fast, secure manner. | 12-29-2011 |
20110320348 | COMMUNITY GIFT SYSTEM, INFORMATION PROCESSING METHOD, AND INFORMATION PROCESSING PROGRAM - An organizer freely designates a purpose, forms a community, very easily and efficiently collects money from participants, and gives a gift. To accomplish this, a community gift system that, when giving a gift to a specified recipient, allows an organizer and participants to form a community and collect money in the community as a cost of gift giving, includes a generator that generates a community database including name data of the organizer and data of the recipient in response to access via a network from the organizer who plans the gift giving, and a storage unit that accepts payment of money via the network from a participant who has approved of the gift giving, and stores data of the paid money in the community database so that the money can be used as the cost of the gift giving. | 12-29-2011 |
20120005073 | Financial Transactions Processing System including Cash Automation Machine - A financial transactions processing system includes a safe (cash automation machine) that performs transactions including at least one of receiving and distributing money. A controller, such as a teller computer, issues instructions to the cash automation machine to perform the transactions. A processor, such as a bank branch CPU, receives data from the cash automation machine and the controller relating to the transactions and analyzes the data. This data can include data relating to at least one of the following: number of transactions, duration of each transaction, type of each transaction, denomination of money distributed and/or received, and date and time of the transactions. The processor (bank branch CPU) can advantageously use this data in a number of ways, including at least one of the following: to accurately and effectively assign teller work schedules, perform or schedule maintenance or repairs, provide economic advantages, etc. | 01-05-2012 |
20120005074 | INLINE LINK PAYMENT - One or more pay links are provided on a content page, where the user can select the pay link to make a payment directly through a payment provider. A window is opened for the payment provider, and the user access a user account. The user makes the payment and returns to the original content page. | 01-05-2012 |
20120005075 | SYSTEMS AND METHODS FOR INCREASING COLLECTION AGREEMENT FULFILLMENT AND TRACEABILITY - A system for receiving a payment for a financial obligation of a payer via a staged transaction, and for identifying an originator of the staged transaction. A collection system may be configured to, per the originator, associate the obligation with an identifier which may be unique to the obligation and indicative of the originator, to associate the transaction with the identifier, and to provide the identifier to the payer. A provider system may be configured to receive a first record related to the transaction from the collection system, to receive a second record related to the transaction which indicates a payment has been received, and to send a third record related to the transaction to the collection system which indicates a payment has been received. A provider subsystem may be configured to receive the identifier from the payer, and send the second record to the provider system. | 01-05-2012 |
20120005076 | SYSTEM AND METHOD FOR MANAGING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE - A method and system include verifying credentials for gaining access to a transactional controller with the portable computing device. The transactional controller may receive a merchant identifier corresponding to a merchant and then it may compare the merchant identifier against loyalty account data stored in a database. The transactional controller may also receive product scan data and compare the product scan data against one of offer data and coupon data in a database. After these comparisons, any matches of product scan data to offer data or coupon data may be sent to the PCD and the POS controller. Similarly, any matches of the merchant identifier to loyalty account data may be transmitted to the POS controller. During or after the purchase transaction, a message may be generated by the transaction controller which lists one or more preferred payment options that may be selected using the PCD to complete a purchase. | 01-05-2012 |
20120005077 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005078 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005079 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005080 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005081 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005082 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005083 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005084 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005085 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005086 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005087 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005088 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005089 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005090 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005091 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120005092 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-05-2012 |
20120011058 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 01-12-2012 |
20120011059 | Systems and Methods to Receive Funds via Mobile Devices - In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a source phone number and a destination phone number, use a first converter to communicate with a mobile phone at the source phone number to obtain a confirmation of the request, obtain an amount of funds from a funding source associated with the source phone number, and use a second converter to transmit a message to a mobile phone at the destination phone number to indicate the availability of the amount of funds. | 01-12-2012 |
20120011060 | Interchange Categories - This document describes tools capable of altering to which interchange categories credit-card transactions are assigned. In some embodiments, the tools receive parameters for interchange categories and transaction information for a client (e.g., one or more merchants) that has been charged interchange fees based on some of these categories. The parameters are utilized (e.g., by a credit card issuer) to determine to which interchange category a particular transaction will be assigned. The tools may determine, based on these parameters and the transaction information, how transactions may be changed to enable similar credit-card transactions to be assigned to a lower-cost interchange category. | 01-12-2012 |
20120016793 | Wearable Contactless Payment Devices - Contactless payment devices are incorporated in wearable accessories and accouterments. The payment devices include switches, which are operable to activate proximity payment functionality of the devices. The payment devices can optionally include magnetic stripes so that the devices have both proximity and contact payment functionalities. | 01-19-2012 |
20120016794 | Real-Time Gifting Using a Computing device and Social Media - A user of a social network can open a tab at a business (e.g., a bar or restaurant) and can provide a message to other users of the social network, to which the user is socially coupled, to join the user at the business. The message to the other users can include an account identification that the other users can use applying money to the tab or in purchasing a good or service, for sale by the business, for the user. One or more of the other users can be present at the business to purchase a good or service for the user, and/or one or more of the other users may not be present at the business to purchase a good or service for the user. For example, one or more of the other users can purchase a good or service for the user from a remote location. | 01-19-2012 |
20120016795 | INTERNATIONAL REMITTANCE SYSTEM BASED ON PAYMENT CARD ACCOUNTS WITH ACCESS BY MOBILE TELEPHONE - A funds transfer system includes a first mobile telephone operating company and a first financial institution which exchanges data communications regarding funds transfer requests with the first mobile telephone operating company. The system further includes a second mobile telephone company and a second financial institution. The system also includes a payment processing network operating company. The payment processing network operating company transfers funds from the first financial institution to the second financial institution to benefit a recipient who owns a mobile telephone served by the second mobile telephone operating company. | 01-19-2012 |
20120016796 | Apparatuses, Methods and Systems for a Trackable Virtual Currencies Platform - Methods for detecting fraud using virtual currency transaction include receiving information regarding a virtual currency transaction from a user. The information is analyzed to determine whether the transaction involves a user that is being tracked, wherein the user being tracked is associated with an elevated level of risk of fraud. When a user associated with the transaction is being tracked, the virtual currency transaction is monitored using tracked virtual currency. The virtual currency transaction is identified as potentially fraudulent based on the monitoring. | 01-19-2012 |
20120023008 | N TO N MONEY TRANSFERS - Various methods, systems, and devices are described for performing money transfers to one or more payees from one or more payors using a money transfer system. A party, such as a payor, a payee, or a third party may create a set of payee rules. The same or a different party may also create a set of payor rules. The payee rules may comprise conditions which, when satisfied, permit a payee to receive funds from a funds pool. The payor rules may comprise conditions which, when satisfied, permit a payor to provide funds to the funds pool. The money transfer system may determine whether requests from a payor and a payee comply with the payor rules and the payee rules, respectively. Based on the determination, the payor and/or payee may be permitted to complete their requested transaction, or their transaction may be denied. | 01-26-2012 |
20120023009 | SYSTEMS AND METHODS FOR PROCESSING CARD FULFILLMENT REQUESTS - Systems and methods for processing card fulfillment requests are provided. A card fulfillment request associated with a financial institution and including information associated with an account at the financial institution may be received, and an account identifier for the account may be identified. Information associated with one or more instant issuance requests for the financial institution that have previously been approved for fulfillment may be obtained. Based upon a comparison of the identified account identifier to one or more account identifiers associated with the instant issuance requests, a determination may be made as to whether the identified account identifier corresponds to one of the account identifiers associated with the one or more instant issuance requests. If a correspondence is found, then a determination may be made that the card fulfillment request is not to be fulfilled. Otherwise, a determination may be made that the card fulfillment request be fulfilled. | 01-26-2012 |
20120023010 | SYSTEM AND METHOD FOR ENCOURAGING DEPOSIT ACCOUNT BALANCE STABILITY - Systems and methods are provided for encouraging for deposit account stability. The systems and methods may include defining rules relating to a defined account balance incentive band for a given deposit account, monitoring and store balance information in the at least one storage device, determining whether the stored balance information indicates that a balance of the at least one deposit account falls within the account balance incentive band, and determining whether to assess a penalty to a depositor associated with the deposit account based on the determination of whether the balance of the deposit account fell within the account balance incentive band. | 01-26-2012 |
20120023011 | PLUG-IN SYSTEM AND METHOD FOR CONSUMER CREDIT ACQUISITION ONLINE - An apparatus, system, and method to provide substantially in real time personalized and/or customized consumer credit from a Credit Provider into substantially any shopping basket or facility on the Internet or on a mobile network. In one embodiment, a consumer credit plug-in is provided to facilitate consumer credit provision to a consumer at a destination Website, including a credit service system including a memory having stored thereon consumer credit provision related instructions and consumer credit related data, and a processor to execute credit provision requests or instructions; wherein the consumer credit plug-in includes a file with instructions to execute commands to enable said remote credit service system to provide credit product provision to consumers, substantially in real time. | 01-26-2012 |
20120023012 | System and Method for Registering an EDI Participant Identifier and Managing EDI Trading Partners - An EDI (Electronic Data Interchange) participant registry system provides a database connected to a computer network which permits access to an authoritative repository of records relating to the EDI communication. Participant may subscribe to publish their EDI related information's to existing or potential trading partners. The system provides participant with an interface so that each participant can subscribe and maintain is information as well as build is own trading partner list using other participant records. As all participant are responsible to maintain there information on the system, the trading partner list provides continuously valid data to facilitate business-to-business EDI communication. | 01-26-2012 |
20120023013 | NONPROFIT ORGANIZATION RESIDUAL MERCHANT ACCOUNT CONTRIBUTION SYSTEM AND METHOD - A system and method whereby certain nonprofit entities and/or their business contributors may recover portions of certain fees currently being paid in the normal and regular in their course of doing business. These recovered fees may then be used as essentially automatic contributions to qualified IRS 501(c)(3) organizations, or public charities described in Internal Revenue Code Section 509, or agencies which operate for the public good (e.g., disaster relief, homeless shelters, support groups such as booster clubs, etc.) (such eleemosynary organizations all being referred to herein generally just as non-profit entities). This system and method is termed “Non-profit Organization Residual Merchant Account Contribution” (NORMAC). | 01-26-2012 |
20120023014 | Method and Apparatus for Increasing Charitable Donations By Providing Instantaneous Donor Recognition - Charitable donations are increased by automatically providing immediate on-line recognition of on-line donors. A list of donors is maintained on a Web page acknowledging the on-line contributions. Donor names on the list can be links to additional information about the donation or the donor. Information about donor and donation is entered by the donor, who can specify what information is to be published on the Web and what information is to remain unpublished. The donor list can be arranged in order of donation size, and donors can compete for position on the list. The donor information can indicate membership in a group, and donations can also be totaled by group to encourage donation competition between groups. | 01-26-2012 |
20120030094 | DESIGN, DEPLOYMENT, AND USE OF AN AUTOMATED FLOW-MODEL-VIEW-CONTROLLER WORKFLOW - A system includes a storage device to store design elements for a workflow design that, when deployed to a network, create a workflow that permits products or services to be purchased via an electronic transaction with a user device. The design elements correspond to a group of stages that process the electronic transaction or to workflow logic that establishes conditions to transfer the electronic transaction between the stages. Each stage includes business logic, separate from the workflow logic, that permits changes to be made to a stage in a manner that does not interrupt the workflow operation. The system also includes a server device to receive a request to deploy the workflow design; deploy the design elements to create the workflow; and conduct the electronic transaction by transferring the electronic transaction between an initiation stage and another stage based on workflow logic associated with the initiation stage and information regarding operations performed by the initiation stage. | 02-02-2012 |
20120030095 | LOAN MANAGEMENT TOOL - Embodiments of the present invention relate to methods and apparatuses for implementing, in connection with a HELOC account, a loan management tool. In some embodiments, the method includes: storing information relating to a loan account associated with a borrower, segmenting the loan account into one or more spend categories, and allocating purchases and payments, or portions thereof, made by the borrower to at least one of the one or more spend categories. In addition, the method may further include receiving from the borrower an input and calculating, based on the input, an output, wherein the output comprises at least one of the anticipated payoff date, the monthly payment amount, and the total saved interest. | 02-02-2012 |
20120030096 | METHOD FOR TRANSMITTING A CODE - The present invention relates to a method for transmitting a code to a user in which the user transmits his or her financial account identifier information to a code allocation unit | 02-02-2012 |
20120030097 | Apparatus and Method for Valuing Articles - Embodiments of the present invention provide apparatus for automatic valuation of articles. The apparatus may comprise an article receiving device arranged to receive an article therein; and an article assessment device arranged to determine the presence of a prescribed one or more materials in said article along with the quantity thereof, the article assessment device being arranged to determine a value of the one or more materials present in the article based on a stored amount of the value of a given quantity of each of said one or more materials, and the quantity of the one or more materials present in the article as determined by the article assessment device, and to output to the user the value of said article based on the value of the one or more materials and/or output to the user the value of the one or more materials. | 02-02-2012 |
20120036063 | DYNAMIC CURRENCY CONVERSION SYSTEM AND METHOD - A transaction terminal system for a card-based purchase communicates with a host system to provide dynamic currency conversion. The transaction terminal system can select one of a number of different rate request messages according to various local factors in order to obtain a currency conversion rate for dynamic currency conversion. | 02-09-2012 |
20120036064 | UNIVERSAL MERCHANT APPLICATION, REGISTRATION AND BOARDING PLATFORM - A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand. | 02-09-2012 |
20120041870 | Systems and Methods to Identify Carrier Information for Transmission of Premium Messages - In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the common format processor in a common format and to communicate with the controllers in different formats. The interchange is to receive a request identifying a phone number, a payment amount and a payee, and in response, use a pinging message to determine telecommunication carrier information of the phone number, select a converter, determine a set of premium messages in accordance with the telecommunication carrier information, and use the selected converter to transmit the set of premium messages to the phone number to collect funds to pay the payee on behalf of a user of the mobile phone. | 02-16-2012 |
20120041871 | CONTROLLING CONSUMPTION OF A SHARED SERVICE - There is provided a method that includes (a) obtaining a first balance indicative of a first available funding for a service for a subscriber, in which the first balance may be consumed by the subscriber; (b) obtaining a second balance indicative of a second available funding for the service, in which the second balance may be consumed by the subscriber; (c) determining whether both of the first and second balances are sufficient to provide for the service; and (d) issuing a communication to a device to permit usage of the service by the subscriber, if both of the first and second balances are sufficient to provide for the service. | 02-16-2012 |
20120041872 | SYSTEM AND METHOD FOR PAYMENT DATA PROCESSING - A system for processing transaction data and payment data is provided. The system includes a front-end system that receives transaction data from one or more merchants, such as an employee identifier. A back-end system receives payment data from one or more payment systems, such as fraud data. A reporting system that is connected to the front-end system and the back-end system correlates the transaction data the payment data, such as to show employee identifier data and fraud data in a single record. | 02-16-2012 |
20120041873 | METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount. | 02-16-2012 |
20120059758 | Protecting Express Enrollment Using a Challenge - Embodiments of the invention relate to security features to prevent one from trying to enter multiple different payment card number combinations into a payment request form for an online transaction in an effort to probe for the accurate payment information. | 03-08-2012 |
20120059759 | FUNDRAISING SYSTEMS AND METHODS - A method of facilitating pledges of monetary value between a pledgee and pledgor, the method including the steps of providing a graphical user interface having a plurality of selectable performance metrics and at least one input for a factor of monetary value, receiving a selected performance metric of the plurality of performance metrics and the at least one input for a factor of monetary value, transmitting and storing the received selected performance metric and the received input of a factor of monetary value to computer readable memory of a computer server system, periodically querying and obtaining a measured value of the selected performance metric and storing said measured value in the computer readable memory of the computer server system, and calculating a pledge amount of monetary value by applying said factor of monetary value to the measured value of the selected performance metric and storing the pledge amount of monetary value in the computer readable memory of the computer server system. | 03-08-2012 |
20120059760 | Systems and methods for transaction and information management - Systems or methods for managing transactions within a controlled environment facility provide an information management engine integrating transaction functionality and telephone calling functionality, establish an account associated with a resident of the controlled environment facility, and use the information management engine to conduct transactions associated with residents of the controlled environment facility. The transactions include at least requests, by the resident, for deposits into the account by a party outside of the controlled environment facility. The systems or methods accept requests from the resident and utilize the telephone calling services of the information management engine to facilitate the request for deposit. The systems or methods may place calls to the individuals outside the controlled environment facility to interact with the individual, request the deposit and accept such deposits. | 03-08-2012 |
20120059761 | Transfer Instrument - A method performed by a transfer instrument issuer involves issuing, to a recipient, a certificate which is linked to a national card account obtained by the transfer instrument issuer from an account issuer different from the transfer instrument issuer, without both issuing and providing a physical card for the national card account to the recipient of the certificate, the certificate having been purchased by a purchaser, who is not also the recipient, and containing all information necessary for the purchase of goods or services from any merchant who is capable of processing economic transactions involving one of the plurality national card accounts for which a physical card has issued, but without presentment of the physical card. | 03-08-2012 |
20120066117 | SYSTEM AND METHOD FOR IMPROVED FINANCIAL CONTRIBUTIONS MADE BY A PLURALITY OF FANS TO A PLURALITY OF COLLEGES - A system and method for enhancing financial contributions made by a plurality of fans to a plurality of colleges comprising a plurality of college-based websites; a financial contribution database; a sports team results database; a processing unit and a master program website | 03-15-2012 |
20120066118 | Interface Integration Application Connection between Websites and Social Network in Addition with the Social Network Tree Chart System - An interface integration system of a website that provides users with the ability to browse other member profiles from social networks before deciding to initiate a dating communication. This system will help break down geographical barriers while enabling users or members to learn more about a prospective candidate before expending time and effort to pursue interaction. The user provides the present invention permission and credentials to interface the website with his/her social network profile. Social network profile data is imported to the user's website profile and is used to create a tree chart diagram for the desired connection type. These tools allow individuals in the website to be checked or to check others for initiation of safe communication. | 03-15-2012 |
20120072340 | METHODS AND SYSTEMS FOR ESTABLISHING COMMUNICATIONS WITH MOBILE DEVICES - A method comprises determining, at a first communication terminal, that a second communication terminal is at a selected geo-spatial location relative to the first communication terminal and transmitting from the first communication terminal, a broadcast invitation to the second communication terminal to establish a peer-to-peer communication session. At the second communication terminal, a message is displayed prompting acceptance of the transmitted invitation and, responsive to a manipulation of the second terminal indicative of acceptance of the transmitted invitation, launching an executable session management program at the second communication terminal to thereby establish a communication session during which data may be exchanged between the first and second communication terminals. The step of launching includes downloading the session management program into a memory of the second communication terminal if the session management program is not already stored in memory for execution by a processor of the second communication terminal. | 03-22-2012 |
20120072341 | ALLOCATING APPLICATION SERVERS IN A SERVICE DELIVERY PLATFORM - Application service allocation may be provided. An initial filter criteria comprising an application service may be identified as being associated with a machine. A host address for the application service may be resolved, and the application service may be invoked. A service profile comprising the at least one initial filter criteria may be transmitted to the machine. A plurality of data may be received from the machine and transmitted to the host address associated with the application service. | 03-22-2012 |
20120078780 | TRANSACTIONAL SAVINGS AND INVESTMENTS - A method of transactional savings is described. First and second portions of a total amount associated with a transaction may be identified. The first portion and the second portion may be different monetary funds of the total amount of monetary funds. A first account of a customer associated with an entity may be determined, and an amount of debt of monetary funds of the first account may be determined. The first portion of the total amount of monetary funds may be applied against the amount of debt of the first account, and the second portion may be maintained in a second account of the customer. Occurrence data representative of an occurrence of a triggering event associated with a transactional savings program of the entity may be received, and an amount of the second account to permit access to by the customer may be determined based upon the occurrence data. | 03-29-2012 |
20120084198 | Method and System for ACH Debit Delayed Availability - A server includes a memory that stores a plurality of availability schedules, and a processor communicatively coupled to the memory. The processor is operable to access an automated clearing house (ACH) debit transaction received at an originating depository financial institution (ODFI) from an originator, determine an availability schedule associated with the originator from the plurality of availability schedules, credit a percentage of the amount of funds of the ACH debit transaction to a delayed settlement account associated with the originator, and transfer a portion of the amount of funds credited to the delayed settlement account to a general operating account of the originator on a particular day determined from the availability schedule. The delayed settlement account has one or more associated rules that prevent the originator from withdrawing funds from the delayed settlement account. | 04-05-2012 |
20120084199 | AUTOMATIC FORM FILLING - A user, such as a merchant, populates a form, such as an on-boarding form from a payment provider, with information unique to the user. In one embodiment, the user enters a URL address. The information is communicated to the payment provider, who then obtains additional information about the user based on the information. In one embodiment, web scraping results in a name, address, a phone number, and/or an email address for the user. The form is populated with this information by the payment provider and returned to the user for confirmation or correction. As a result, the form filling is easier for the user. | 04-05-2012 |
20120084200 | SYSTEMS AND METHODS FOR COMPLETING A FINANCIAL TRANSACTION - One example embodiment includes a method for increasing payment security during a financial transaction. The method includes identifying the buyer, where identifying the buyer includes confirming the buyer's identity, and issuing a one-time payment code to the buyer. The method also includes receiving the one-time payment code from a seller and authorizing payment to the seller. | 04-05-2012 |
20120084201 | Method and System for Transferring Electronic Funds - A method and system for transferring electronic funds over the Internet wherein a sender provides payment information to a transfer processing system. The sender may choose from a plurality of types of funds transfer. The transfer processing system sends an electronic payment message to a recipient indicating the transfer of funds and a transfer message to a financial institution providing instructions to debit the sender's account and make those funds available to the recipient. If the recipient has an account with a financial institution that is affiliated with the transfer processing system of the present invention, the funds are credited to the recipient's account wherein the payment message serves as a confirmation message. If the recipient does not have such an account, the recipient may access the transfer processing system to access the funds made available by the system wherein the payment message serves as a payment availability message. | 04-05-2012 |
20120089505 | Methods and Systems for Managing Transaction Card Accounts - Methods and systems for managing transaction card accounts in which cardholders are permitted to incur transaction charge balances on existing transaction card accounts and substituting the existing transaction card for each of at least a portion of the plurality of cardholders with a different transaction card product upon an occurrence of one of termination of a private label or co-branded agreement and a predetermined level of inactivity on the transaction card account which has significant additional features and benefits absent from the existing transaction card product. | 04-12-2012 |
20120089506 | CREDIT CARD IMAGING FOR MOBILE PAYMENT AND OTHER APPLICATIONS - A mobile payment device includes a contactless payment module, a processing module, and a display module. The contactless payment module is coupled to execute a credit payment transaction. The processing module is coupled to detect the executing of the credit payment transaction and retrieve credit image data based on the detecting. The display module is coupled to process the credit image data into a displayed credit image. | 04-12-2012 |
20120089507 | DEVICE, SYSTEM AND TRANSACTION METHOD FOR INTEGRATING PAYMENT FUNCTION AND RECEIPT FUNCTION - A device integrated with payment function and collection function, includes a smart memory card and an intelligent terminal. The intelligent terminal is adapted to generate a secure transaction management instruction, send the secure transaction management instruction to the smart memory card and notify an execution result of the secure transaction management instruction; to interact with a bank side system via a remote communication network; to interact with user via a user interface; to interact with another device in near field communication mode; to process transaction instruction, generate a secure transaction application instruction and send the secure transaction application instruction to the smart memory card; and to notify an execution result of the secure transaction application instruction. The smart memory card is adapted to execute the safe transaction management instruction and the safe transaction application instruction. | 04-12-2012 |
20120095904 | COMPUTER SYSTEM AND COMPUTER-IMPLEMENTED METHOD FOR MANAGING A FINANCIAL PRODUCT - For managing a financial product linked to an insurance event, the product provider ( | 04-19-2012 |
20120095905 | PAYMENT GATEWAY FOR PROCESSING PAYMENT REQUESTS ASSOCIATED WITH A WIRELESS USERS ACCOUNT - A Payment Gateway interfaces, in one embodiment, with a merchant's website or a payment aggregator used by the merchant's website, for facilitating purchases made at the website by a wireless user. In one embodiment, purchases at the website are paid for by charging the wireless user's prepaid account maintained in the mobile operator. The Payment Gateway accepts messages in an HTTP based message from the website or payment aggregator and provides a gateway function to the wireless user's service provider, which is accessible only using SS7 based MAP protocols. The mobile gateway ascertains the proper message syntax to use in a MAP based USSD message based on the wireless carrier. The mobile gateway also receives messages from the mobile operator, typically using a GSM MAP based protocol and initiates HTTP based messages back to the merchant's website. | 04-19-2012 |
20120095906 | Methods for transferring funds using a payment service where financial account information is only entered once with a payment service and need not be re-entered for future transfers - A method of transferring funds to and/or from a first party's financial account is provided. A first party's financial account information is entered with a single initial entry to the payment service. Funds are transferred to and/or from the first party's financial account using the payment service. The first party is registered with the payment service, or becomes registered prior to transferring funds to and/or from the financial account using the payment service. For future uses of the first party's financial account to transfer funds to and/or from the first party's financial account, the first party's financial account information need not be entered again with the payment service. | 04-19-2012 |
20120095907 | Method of conducting financial transactions where a payer's financial account information is entered only once with a payment system - A method of conducting a financial transaction includes a first party's financial account information being entered once, e.g, with a single initial entry to the payment service. For future uses of the first party's financial account to transfer funds using the payment service to a second party, the first party's financial account information need not be entered again with the payment service. The second party's personal identifying information is entered. Funds are transferred from the first party's financial account to an account of the second party with the use of the payment service. | 04-19-2012 |
20120095908 | Distributed Computing for Engaging Software Services - A method and apparatus for engaging, on behalf of a client computing device, one or more remote computing devices to perform a client directed task for a fee. The method comprising the steps of: receiving, from a client computing device, data indicative of a task to be performed; reviewing capabilities of the remote computing devices; selecting one or more suitable remote computing devices for performing at least a first subtask; negotiating, and reaching agreement, with selected remote computing devices on terms for performing the first subtask; verifying receipt of payment from a client, being associated with the client computing device; dispatching the first subtask; receiving a first result, from respective remote computing device; and providing payment to a remote provider, being associated with the remote computer device. | 04-19-2012 |
20120095909 | ELECTRONIC PAYMENT SYSTEM UTILIZING INTERMEDIARY ACCOUNT - Payments in cash are submitted to a merchant at a point of sale. The payment transaction is effected electronically to credit the end user's intermediary account. Subsequent electronic communications between the intermediary account and a vendor site effect payment to the vendor for goods or services on behalf of the end user. This system leverages the existing credit card payment system in reverse so as to provide the convenience of submitting cash payments at a multitude of merchant locations. | 04-19-2012 |
20120095910 | DIGITAL DOWNLOADING JUKEBOX SYSTEM WITH CENTRAL AND LOCAL MUSIC SERVERS - A digital downloading jukebox system including a central server and a plurality of remote jukebox devices each provided with a local server that preferably mirrors the central server and enables selected songs to be immediately downloaded to the jukebox for reproduction. The local server and jukebox may also provide, through control of the central server, song download services to other jukebox devices. The jukebox system may also act as a monitoring/management device for other coin operated equipment present in a location where the jukebox is located, thereby enabling the jukebox device to perform updates on other equipment under control of the central server. | 04-19-2012 |
20120095911 | TRANSACTION SYSTEM AND METHOD - A transaction method and system comprising receiving a request to change a transaction channel or mode of an account having a plurality of transaction channels/modes from a first state to a second state; and changing the state of the transaction channel/mode to the second state in response to the received request is disclosed. The invention further discloses transaction facilitator for facilitating transactions in relation to an account having a plurality of transaction channels or modes, and operable to receive via the communication network a request from an owner of the account to change the state of a transaction channel/mode of the plurality of transaction channels/modes from a first state to a second state; wherein, upon receipt of the request the transaction facilitator is operable to change the state of the transaction channel to the second state. | 04-19-2012 |
20120101938 | METHOD AND SYSTEM FOR SECURE ONLINE PAYMENTS - Methods and devices are provided for secure online payments. In one embodiment, the method may involve receiving log-in information for a user. The method may involve accessing data regarding open credit card accounts for the user from a credit information entity, in response to the received log-in information matching stored authentication information. The method may involve sending secure account information about the open credit card accounts to at least one network entity (e.g., a registration server, a user device, or a merchant server). The method may also involve, in response to the user selecting a given one of the accounts from the secure account information, determining whether sufficient credit is available for the selected given account and processing a transaction with the selected given account. | 04-26-2012 |
20120101939 | METHOD AND SYSTEM FOR SECURE ONLINE PAYMENTS - Methods and devices are provided for secure online payments. In one embodiment, the method may involve receiving log-in information for a user. The method may involve accessing data regarding open credit card accounts for the user from a credit card grantor/issuer and/or a credit information entity (e.g., a credit bureau), in response to the received log-in information matching stored authentication information. The method may involve sending secure account information about the open credit card accounts to at least one network entity (e.g., a registration server, a user device, or a merchant server). The method may also involve, in response to the user selecting a given one of the accounts from the secure account information, determining whether sufficient credit is available for the selected given account and processing a transaction with the selected given account. | 04-26-2012 |
20120101940 | END-TO-END MONITORING OF A RETAIL PAYMENTS PROCESS - The Embodiments of the invention comprise computer program products, systems, and methods for monitoring a retail payments process where a financial institution receives check payments for various types of transactions, such as but not limited to credit card payments, mortgage payments, student loan payments, car payments, etc. The image capture machines capture images of the checks and the associated check data. The check images are grouped into batches based on the client (i.e. the paying bank, third-party processing entity) that the checks are sent to in order to receive payments from the paying bank. The grouped batches are electronically sent to the proper client for processing. The individual checks in the batch are posted and settled to the customer's account. The process is monitored based on client processing limits to track, identify, and fix any batch exceptions that occur during processing. | 04-26-2012 |
20120109817 | Product and Method of Providing First Class Customer Service or Product Support - Disclosed is productized customer service and related methods of use. | 05-03-2012 |
20120109818 | Third Party Integrated Security System - A third party payment system is provided which allows a user to conduct transactions through payment accounts stored on the third party payment system. The user can enroll in the third party payment system and create an account with registered payment accounts. The user can access the payment accounts via a mobile device and load the payment data associated with a payment account to the mobile device. The user can then utilize the mobile device to provide payment during a transaction. | 05-03-2012 |
20120116955 | CHARGING PURCHASES TO UTILITY ACCOUNTS - Charging purchases to utility accounts including a computer program product that stores instructions for implementing a method. The method includes receiving a request from a consumer at an electric vehicle charging station to charge at least one of a purchase of electrical power for electric vehicle (EV) charging and an item other than electrical power to an electrical power utility account. The method also determines if the consumer is authorized to charge the purchase to the electrical power utility account. A transaction denied message is transmitted to the consumer in response to determining that the consumer is not authorized to charge the purchase to the electrical power utility account. The method further includes, in response to determining that the consumer is authorized to charge the purchase to the electrical power utility account: charging the purchase to the electrical power utility account; and transmitting a transaction completed message to the consumer. | 05-10-2012 |
20120116956 | HYBRID MOBILE COMMERCE SYSTEM, APPARATUS, METHOD AND COMPUTER PROGRAM PRODUCT - A method, system, apparatus, and computer program product are disclosed for a hybrid m-commerce system. Cash and electronic payment may be used substantially interchangeably within the hybrid m-commerce system. In one embodiment, cash change received from a transaction may be adjusted using the system. In another embodiment, cash change may be received as a change identifier. In yet another embodiment, a threshold may be defined and utilized to automatically adjust the balance of one or more stored value card account. | 05-10-2012 |
20120116957 | SYSTEM AND METHOD FOR POPULATING A LIST OF TRANSACTION PARTICIPANTS - Embodiments of the invention provide a method of populating a list of transaction participants with the aliases of individuals and entities that can participate in P2P transactions. In some embodiments, the list of transaction participants is a list of payment recipients to whom the user can make P2P payments and the list is populated with a third party's alias. In other embodiments, the list of transaction participants in a list of recipients to whom a third party can make P2P payments and the list is populated with the user's alias. In some embodiments, a method is provided that includes: (1) receiving information associated with a party to a financial transaction with a user; (2) determining, at least partially on the information associated with the party, that the party can participate in a P2P transaction with the user; and (3) populating a list of P2P transaction participants with an alias identifier. | 05-10-2012 |
20120116958 | SYSTEMS, DEVICES AND METHODS FOR ELECTRONICALLY GENERATING, EXECUTING AND TRACKING CONTRIBUTION TRANSACTIONS - A contribution aggregation system enables a user to purchase or otherwise acquire a block of one or more contribution units from which to contribute desired amounts to selected recipients. This may be performed, for example, by the user logging on to a Web site or other system interface provided by the contribution aggregation computer system and then selecting individual recipients to receive selected donation or contribution amounts. These amounts from various different contributors are then aggregated and totaled to enable a single contribution transaction to be made to the recipient including the amounts contributed to the recipient form the various contributors. The current balance of the contributor's block of one or more contribution units is tracked and the contributor may also input or select comments and/or conditions associated with their individual contributions to individual recipients to be sent to the recipient or otherwise published. | 05-10-2012 |
20120116959 | TRANSACTIONAL SERVICES - Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers. | 05-10-2012 |
20120116960 | SYSTEM, NON-TRANSITORY MEMORY WITH COMPUTER PROGRAM, AND ASSOCIATED METHODS FOR MICRO-CREDIT TO PREPAID CARDS - A lending institution computer establishes a line of credit coupled to a prepaid card account and makes available draws to the line of credit line in an authorization stream for a proposed purchase using the prepaid card account as payment. When the line of credit is accessed, the prepaid card account is loaded with an additional value of one or more predetermined loan increments so that the prepaid card account then has a new amount totaling a previous amount plus the amount of value of the one or more preselected loan increments and so that the new amount exceeds or equals the value of a proposed purchase. Next, a new value for a line of credit balance available is determined, accounting for value loaded onto the prepaid card account and a predetermined loan advance fee for each loan increment loaded onto the prepaid card account. | 05-10-2012 |
20120116961 | SYSTEM AND METHOD FOR MAKING FUNDS AVAILABLE FOR GAMING - A system for making funds available for gaming which includes a terminal which is configured to read customer information from a card. The terminal includes an input/output unit configured to allow the customer to select a quasi-cash transaction and to generate an order authorizing the quasi-cash transaction. The system also includes a station which is configured to retrieve the order and information verifying the identity of the customer and, when the identity of the customer is verified, is configured to, at the customer's option (1) obtain an electronic endorsement from the customer and place the electronic endorsement in an electronic image or (2) print out a hard copy of a check for endorsement by the customer. | 05-10-2012 |
20120116962 | USING A TRANSACTION CARD ACCOUNT TO MAKE RECURRING LOAN PAYMENTS - Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A determination is made as to whether the requestor is eligible for the loan to be associated with a transaction card account. If not, the customer receives a communication of rejection. If eligible, a determination is made whether the transaction account system has stored therein a transaction card account of the requester. If no, a transaction card account is opened for the requestor and associated with the loan. If yes, the loan payment is associated with the transaction card account bill. | 05-10-2012 |
20120123932 | ROUTING FOR DIRECT TO ACCOUNT PAYMENTS - Various systems and methods are described for analyzing multiple money transfer routing schemes. Each of these multiple money transfer routing schemes may comprise a route to transmit funds from the source for the money transfer transaction to the destination for the money transfer transaction. An internal money transfer routing scheme may refer to a money transfer routing scheme that utilizes a direct money transfer arrangement between the destination of the money transfer transaction and the money transfer network. An external money transfer routing scheme may refer to a money transfer routing scheme that utilizes at least one third party money transfer network between the destination of the money transfer transaction and the money transfer network. The multiple money transfer routing schemes may be analyzed and the preferable money transfer routing scheme at least partially based on the predefined criterion from among the multiple money transfer routing schemes may be identified. | 05-17-2012 |
20120123933 | SYSTEM AND METHOD FOR CONSUMER CONTROL OVER CARD-BASED TRANSACTIONS - A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary, accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. Multiple transaction cards may be linked to a single credit account with each card having a different credit limit, such that the controls comprise restricting each transaction card to a particular merchant, linking, by the consumer, several credit and/or debit accounts to a single transaction card, and pre-selecting a criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or telephone for making changes and receiving account information. | 05-17-2012 |
20120123934 | SYSTEM AND METHOD FOR CONSUMER CONTROL OVER CARD-BASED TRANSACTIONS - A system and method for consumer control over card-based transactions and associated accounts. An interface is provided between a merchant or the merchant's bank and the bank or banks at which the consumer has accounts for card-based transactions. The interface acts as an intermediary, accessible to the consumer so that the consumer may place a variety of controls on card-based transactions. Multiple transaction cards may be linked to a single credit account with each card having a different credit limit, such that the controls comprise restricting each transaction card to a particular merchant, linking, by the consumer, several credit and/or debit accounts to a single transaction card, and pre-selecting a criteria to be utilized for directing charges for a particular transaction to be applied the different accounts. The consumer may access the interface via a web site or telephone for making changes and receiving account information. | 05-17-2012 |
20120130886 | SYSTEM AND METHOD FOR MONITORING AND TRACKING USER ACTIVITIES - The disclosed embodiments assist a user in monitoring one or more user-selected activities. In addition, a user may share the monitored information with one or more people, such as a particular group of friends (e.g., friends associated with a social networking website) or by e-mailing or text messaging the monitored information to a particular person or persons. In some embodiments, a user may participate in a competition with one or more people (e.g., designated friends or even random people) to either perform or not perform a particular activity. Still, in some embodiments, the disclosed embodiments may automatically receive financial data from a financial service provider and update/display one or more user-selected activities based on the received financial data. | 05-24-2012 |
20120130887 | POINT OF SALE SAVING SYSTEM - An Internet-implemented computerized saving and investment system, that in use is integrated with a business's point of sale system, with which employees, for example employee who are compensated at least in part by tips from customers, may direct that funds be deposited to their credit in a savings/investment vehicle, for example a bank account. | 05-24-2012 |
20120130888 | METHOD AND SYSTEM FOR DISTRIBUTION OF ADVERTISEMENTS TO MOBILE DEVICES PROMPTED BY AURAL SOUND STIMULUS - A method for distributing context-based data using an acoustic receiving device and a high frequency analog acoustic signal is disclosed. The acoustic receiving device a high frequency analog acoustic signal. A high frequency analog acoustic signal is of a frequency of at least 21,000 Hz and contains encoded data. The high frequency analog acoustic signal is converted to a digital acoustic signal and then analyzed to obtain the encoded data. The data is decoded to obtain information, and the information is then displayed on the acoustic receiving device. | 05-24-2012 |
20120130889 | FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS - An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network. | 05-24-2012 |
20120130890 | METHOD AND SYSTEM FOR LEASE MANAGEMENT OF ULTRASONIC SYSTEM - A system for lease management of an ultrasonic system includes a usage information collection unit to collect usage information regarding a usage of the ultrasonic system, and a lease management unit to determine whether the usage information provided from the usage information collection module exceeds a predetermined allowable usage set by a prepaid balance of a user. Operation of the ultrasonic system is stopped while displaying a settlement-request screen on a display unit of the ultrasonic system, if the usage information exceeds the allowable usage. A lease server remotely manages a lease of the ultrasonic system through communication with the lease management unit via a network. | 05-24-2012 |
20120136777 | BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD - An improved financial transaction device comprising bar-coded information incorporating one of a plurality of algorithmic signatures, the signature being configured to permit at least one party involved in a financial transaction to store pertinent data in a multi-organizational payment tracking database, wherein the signature comprises a payment tracking identifier capable of uniquely referencing a single financial transaction and some of the pertinent data. The transaction may correspond to a format signature which may be in the form of a unique pictographic image representing the arrangement of data on a financial device for comparison against a library or database of signatures for purposes of device recognition. | 05-31-2012 |
20120136778 | REPLICATING DATA IN FINANCIAL SYSTEMS - Systems and methods for deciding whether to void a payment are provided. The method includes sending a signal to a web service provider to request information as to whether a payment has been reconciled, and receiving a first response from the web service provider. If the first response from the web service provider indicates that the payment has not been reconciled: performing a void process to void the payment, committing data related to the void process to an interface table, and receiving a second response from the web service provider. The second response includes status information of the payment replicated from a second interface table associated with the web service provider to the interface table. If the first response from the web service provider indicates that the payment has already been reconciled, deciding not to perform the void process. | 05-31-2012 |
20120136779 | DEPOSIT AMOUNT MANAGING DEVICE, SERVICE PROVIDING SYSTEM COMPRISING DEPOSIT AMOUNT MANAGING DEVICE, AND DEPOSIT AMOUNT MANAGING SYSTEM COMPRISING PORTABLE TERMINAL - The present invention manages money received from a general user having no bank account, so that the general user is able to make payment, send remittance, receive lottery prize via a network. | 05-31-2012 |
20120143749 | METHODS AND SYSTEMS FOR ASSIGNING INTERCHANGE RATES TO FINANCIAL TRANSACTIONS USING AN INTERCHANGE NETWORK - A method for assigning an interchange rate to a financial transaction is provided. The method uses at least one input device in communication with an interchange database. The financial transaction is initiated by a cardholder using a card over a card interchange, the card having been issued by an issuer bank. The method includes the steps of storing issuer data within the interchange database, the issuer data including whether the issuer bank has entered into a special relationship with the interchange. | 06-07-2012 |
20120150726 | PAYMENT SYSTEM USING SPENDING GATES - A method for making a payment includes receiving a plurality of spending gate definitions for a customer account over a network. Each of the plurality of spending gate definitions associates at least one of a plurality of funding sources of the customer account with a purchase amount range. The plurality of spending gate definitions are stored in a database. A payment request for a purchase using the customer account is received over the network. The payment request includes a payment amount. The payment amount is corresponds to a first purchase amount range included in at least one of the spending definitions in the database. A payment is made using the at least one funding source of the customer account that is associated with the first purchase amount range according to the at least one spending definition. | 06-14-2012 |
20120150727 | RFID PAYMENT SYSTEM - A method for making a payment using a RFID system includes associating a first RFID identifier with a payer account in a database. A purchase type and an associated spending gate definition are received for the first RFID identifier over the network. The spending gate definition is associated with at least one of a plurality of funding sources of the payer account. The purchase type and associated spending gate definition are associated with the first RFID identifier in the database. A payment request is received for a purchase using the first RFID identifier over the network. It is determined that that the payment request includes the purchase type in the database. A payment is made using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type. | 06-14-2012 |
20120150728 | SYSTEM AND METHOD FOR SPLITTING A TRANSACTION - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for splitting a transaction among multiple participants. A system configured to practice the method first identifies a group of individuals associated with a shared transaction. Then the system identifies a primary individual from the group of individuals and a non-primary group of individuals from the group of individuals, wherein the primary individual is associated with a primary account that existed prior to the shared transaction, and wherein each individual of the non-primary group of individuals is associated with a respective non-primary account that existed prior to the shared transaction. The system establishes a policy for monitoring the primary account for completion of the shared transaction. Then, upon detection of the completion of the shared transaction, the system determines a transaction amount and applies a respective portion of the transaction amount from each non-primary account to the primary account. | 06-14-2012 |
20120150729 | SYSTEM AND METHOD FOR PROCESSING GROUP GIFT CARDS USING A TEMPORARY, LIMITED SCOPE SOCIAL NETWORKING ENTITY - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift card recipients to redeem gift card amounts using existing accounts such as a credit/debit card. A system practicing the method sends to a set of givers a set of respective invitations to contribute to a group gift, wherein the group gift is associated with a policy, a person, and a payment account associated with the person that existed prior to sending the set of respective invitations. The system identifies a contribution to the group gift from one of the set of givers, wherein when the person makes a qualifying transaction using the payment account according to the policy, a gift amount associated with the group gift is applied from various giver accounts. Then the system updates at least one of the set of respective invitations sent to the set of givers based on the contribution. | 06-14-2012 |
20120150730 | SYSTEM AND METHOD FOR PROCESSING GROUP GIFT CARDS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for managing a group gift using a system in which a recipient (purchaser of the group gift) and givers have registered payment accounts with the system. The system displays, on a graphical user interface, at least the giver and the recipient to yield a proposed transfer configuration at a first time. A gift or a merchant can also be identified in the interface. Upon receiving a confirmation from at least one of the giver and the receiver of the proposed transfer configuration, the system establishes a money transfer policy that indicates that, upon detecting a qualifying purchase made using the recipient payment account, at least a portion of a transfer amount is applied to the recipient payment account from at least one giver account. The system simplifies the process of a group of people joining together to buy a gift. | 06-14-2012 |
20120150731 | SYSTEM AND METHOD FOR PROCESSING GROUP GIFT CARDS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for managing a group gift using a system in which a recipient (purchaser of the group gift) and givers have registered payment accounts with the system. The system displays, on a graphical user interface, at least the giver and the recipient to yield a proposed transfer configuration at a first time. A gift or a merchant can also be identified in the interface. Upon receiving a confirmation from at least one of the giver and the receiver of the proposed transfer configuration, the system establishes a money transfer policy that indicates that, upon detecting a qualifying purchase made using the recipient payment account, at least a portion of a transfer amount is applied to the recipient payment account from at least one giver account. The system simplifies the process of a group of people joining together to buy a gift. | 06-14-2012 |
20120150732 | SYSTEM AND METHOD FOR PROCESSING GIFT CARDS ACCORDING TO A COMMUNICATION CONTEXT - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for identifying and handling group gifts. A system practicing the method receives a request to establish a policy governing a money transfer from a giver account to a recipient payment account according to a policy established at least in part on a communication context, wherein the policy indicates that, upon detection of a qualifying transaction made with a recipient payment account, a transfer amount is applied to the recipient payment account. The system analyzes the communication context to determine the giver and the recipient and respective payment accounts. Then the system implements the policy governing the money transfer such that, upon detection of the qualifying transaction made with the recipient payment account, at least a portion of the transfer amount is applied to the recipient payment account from the respective payment account for the giver. | 06-14-2012 |
20120150733 | Ecological impact compliance - Systems and methods for providing ecological impact quantification identifiers may implement operations including, but not limited to computing at least one ecological impact quantification associated with at least one life-cycle phase of a product; and means for assigning at least one of a positive ecological impact status, a negative ecological impact status and a neutral ecological impact status with a user account according to the at least one ecological impact quantification. | 06-14-2012 |
20120150734 | VALUE EXCHANGE SYSTEM FOR USE WITHIN AN INTERNET-BASED SOCIAL NETWORK - Certain embodiments contemplate a computer-implemented method of enabling a value exchange between users of a SNS which functions within the confines of the SNS. Certain embodiments comprise an application which creates at least an interface to the value exchange system, a means for registration to enable users to register with the value exchange system, a means for receiving at the value exchange system, a value exchange transaction between a first user and a second user, wherein the users are members of a same internet-based social network and the value exchange system makes use of the internet-based social network account identifiers of the respective users to enable the communication of value exchange transactions between the users. The application may also create a value exchange means for debiting from or crediting to the value exchange system account of first and second users. | 06-14-2012 |
20120150735 | PAYMENT SYSTEM - A payment system transfers funds from a purchaser to a supplier of goods and services. A single use transient credit code provided to the purchaser effects the transfer. The transient credit code is redeemable to a value limited to said transfer of funds thereby preventing subsequent fraudulent use of the code. The payment system apparatus transfers a payment from a purchaser to a supplier of goods and services. The apparatus incorporates a code issue device which keeps track of and generates a list of limited-value, single-use credit codes. The device issues the codes on request, receives notification of use of the codes and marks respective, ones as used. The transfer is done by single-use transient credit codes provided to the purchaser. The codes are redeemable to the value limited to a payment. | 06-14-2012 |
20120158578 | HIGHLY GRANULAR CLOUD COMPUTING MARKETPLACE - A system and method may provide for defining a usage policy for an available resource of a personal computing system, and transmitting the usage policy to a market broker. The market broker may identify a match between the usage policy and a request from another computing system, and generate a notification of the match. In addition, funds may be transferred from an account associated with the other computing system to an account associated with the personal computing system based on a remote usage of the available resource by the other computing system. | 06-21-2012 |
20120158579 | SYSTEM AND METHOD FOR CREATING AND MAINTAINING INVESTOR COMMUNITY NETWORK - A system is disclosed for raising investment funding of an enterprise. | 06-21-2012 |
20120158580 | System, Method and Apparatus for Mobile Payments Enablement and Order Fulfillment - A system, method and apparatus are provided for enabling mobile payments for purchases from selected merchants via a client device. A client application installed on a client device can make payments and submit shipment information when making purchases. The client application securely stores user-related payment information locally on the client device, where such information only needs to be entered once upon initialization of the client application. The client application facilitates payment transactions by forwarding user-related payment information for purchases to a payment server when authorized by a user. When making a purchase, a user can enter an identification code into the client application that identifies a product or service, where the identification code and user-related payment information are forwarded to the payment server. The payment server uses the code to retrieve details about the purchase and performs operations to complete the purchase using the received user payment-related information. | 06-21-2012 |
20120166331 | SYSTEM AND METHOD FOR LINKING EXISTING WI-FI ACCESS POINTS INTO A SINGLE UNIFIED NETWORK - Disclosed is a system and method for providing a distributed wireless network. At least one information processor is coupled to a communication network. Network bandwidth is provided to a first user of at least two end users for a first fee and to a second user of the at least two end users for a second fee. At least two wireless gateway devices are configured to provide wireless access to the communication network within a transmission range and to communicate with the at one least information processor. At least two wireless receiving devices are provided that are operable to receive the respective bandwidth from the wireless gateway devices when in transmission range. Preferably, the first user is authorized to use the second bandwidth and the second user is authorized to use the first bandwidth via the wireless devices. Thus a system and method of sharing bandwidth is provided. | 06-28-2012 |
20120173408 | Donor Locking Rail - A system and/or method for recognizing a theatre donation by placing a notice on a locking rail sub-system in a theatre. This system and/or method is believed to be rather counterintuitive because the locking rail is generally a low visibility part of the theatre, where the general public does not traditionally go. Despite this low visibility, the present invention is believed to foster a surprisingly large amount of goodwill, the relatively low visibility of the locking rail assembly notwithstanding. Also, because the locking rail is such a critical piece of equipment for safety purposes, the present invention recognizes that the good associations with donors and/or donations will tend to be subtly and psychologically enhanced by the fact that the donation related information is placed on the locking rail assembly. Also disclosed is a video display (for example, an LCD video display) that is mechanically connected to the rail of a locking rail assembly, and is used to convey information relating to the locking rail assembly. | 07-05-2012 |
20120173409 | REAL-TIME GLOBAL FUND TRANSFERS - Embodiments for real-time global bank funds transfers include a new payment system for real-time global bank funds transfer. A funds transfer network and method allow global real-time fund transfers among banks. The new funds transfer service is much faster than Society for Worldwide Interbank Financial Telecommunication network (SWIFTNet) and much cheaper than real-time gross settlement systems (RTGS). In one or more embodiments, a Financial Service Provider (FSP) has accounts or agreements with Bank A and Bank B, for example. A first user with an account at Bank A requests a fund transfer to a second user at Bank B. The request goes through the FSP, which can confirm the first user. If confirmed, the FSP sends funds to Bank B instantaneously, so that the second user receives the money right away. The first user does not “see” the FSP at all, but instead makes the payment through his own bank (e.g., Bank A) to another bank (e.g., Bank A). The FSP then waits the standard 3-5 days for money from Bank A (e.g., settlement of transaction). | 07-05-2012 |
20120173410 | SYSTEM AND METHOD FOR PAYING CITATIONS USING SMS TEXT MESSAGING - A system and method are provided for enabling the recipient of a citation to pay the associated fine using SMS text messaging. The system includes a server platform programmed to receive an SMS text from a customer, the SMS text including a citation number, a unique identifier for the municipality that issued the citation, and an RFID transponder number and/or a license plate number for the customer that is linked to a payment device, such as a credit card account. Upon receipt of the SMS text, the server platform validates the citation number and municipality unique identifier against a citation database, charges a percentage of the amount of the citation to the payment device linked to the RFID transponder number or license plate number (e.g., a credit or debit account on file), and transfers payment of the percentage of the citation amount to the municipality identified by the unique identifier. The server platform also sends confirmation of payment of the citation to the customer via an SMS text message. The server platform extracts a processing fee for processing payment of the citation. | 07-05-2012 |
20120173411 | MANAGEMENT METHOD OF ARTICLE - An article management method is provided to minimize exposure of personal information, enable traceback in the event of non ownership and allow management and processing by means of setting up/lifting restrictions on an article and/or a terminal only in case of real ownership, thereby preventing additional accidents and having an autonomous management function. The article management method uses a system including: a server that stores not only an intrinsic article code for an article but also an intrinsic terminal code for an article owner's terminal; and a terminal that connects to the server based on the terminal code. The article management method comprises: an ownership registration step of registering the terminal code to the server as a registration terminal code by matching the terminal code with the article code, upon request from the terminal for registration of the article code; a restriction setup step of setting up restrictions on at least one of the article code and the terminal code when preset conditions for the restriction setup are met; a restriction lifting step of lifting the restrictions on at least one of the article code and the terminal code when preset conditions for the restriction lifting are met; and a management and processing step of enabling management and processing depending on whether the restriction is set up for at least one of the article code and the terminal code when preset management and processing are performed for at least one of the article code and the terminal code, upon request from the terminal for management and processing. | 07-05-2012 |
20120173412 | Rights Clearance for Granular Rights - A system and method for clearing granular rights is disclosed. The system comprises communication module, a territorial requirements engine, an existing license module and a determination module. The communication module for receives, from a service provider, a description of a service to be provided for an asset in a territory. The territorial requirements engine determines a territorial requirement for providing the service in the territory based at least in part on a territorial rule for the territory. The existing license module determines a missing right based at least in part on the territorial requirement. The determination module determines a preferred licensor for purchasing a license for the missing right in the territory. | 07-05-2012 |
20120173413 | PAN CHARGING TO ACCOUNT ESTABLISHED WITH AN MSISDN - The invention provides a computer system and method for managing electronic transactions. A plurality of consumer accounts are stored in the data store, each consumer account having a first phone number as a first consumer account identifier. A communication and routing module receives a charge request, including an amount and a second consumer account identifier. The second consumer account identifier is an individual account identifier forming part of a personal account number. The communication and routing module identifies a selected one of the consumer accounts by associating one of the first phone numbers with the individual account identifier. A transaction processing system processes the charge request based on an account detail of the selected consumer account. | 07-05-2012 |
20120173414 | METHOD AND SYSTEM FOR COMPUTER-BASED BIDIRECTIONAL PAY-PER-CLICK BIDDING AND MATCHING BETWEEN TWO COMPLEMENTARY POPULATION GROUPS - Computer-implemented systems and methods that enable matching people and/or entities while creating financial disincentives to prevent people and/or entities from over-marketing themselves to their counterparts. The system is implemented as a computerized pay-per-click matching system between two complementary population groups utilizing predefined generalized criteria and user-generated keywords with associated user-defined bid values. | 07-05-2012 |
20120173415 | METHODS AND SYSTEMS FOR OPENING AND FUNDING A FINANCIAL ACCOUNT ONLINE - Methods and systems for opening an account with a financial institution. One method can include electronically storing at least one rule for opening an account with a financial institution. The method can also include electronically receiving account application information from a remote device over at least one network, wherein the account application information includes personal information of a customer requesting to open an account. In addition, the method can include generating at least one risk score based on the account application information and applying the at least one rule to the at least one risk score in order to determine a decision regarding the account application information and to determine at least one funding constraint associated with the account. | 07-05-2012 |
20120173416 | SYSTEM AND METHOD FOR MAKING A SYNTHETIC CASH ADVANCE USING A PURCHASE PAYMENT EXCHANGE - System and method provide for making a synthetic cash advance to a credit cardholder via a purchase-payment exchange. A second person selects an item to be purchased by a cardholder for the second person, and in exchange for the cardholder's credit card purchase, the second person pays the cardholder an amount of money that is less than the amount charged to the cardholder's credit card. Using this invention, the second person receives the selected item (or has a payment made) at a discount, and the cardholder is able to transform a credit card purchase into a synthetic cash advance at the credit card's purchase interest rate. Two or more cardholders may bid in an online auction to complete the second person's financial transaction in exchange for the second person's money. A cardholder who submits a conforming bid, that is willing to accept the least amount of money, may be selected as the auction winner. | 07-05-2012 |
20120179600 | Transfer Station and End to End Process - A system and method for processing ACH transactions is disclosed. In particular embodiments, a method includes receiving one or more files from a client sender, each of the one or more files including a transaction request for one or more ACH transactions. The method also includes storing the one or more files in a memory. The method further includes selecting a file from the received one or more files stored in the memory. The method also includes selecting an ACH processor from a plurality of ACH processors to receive the selected file. The method further includes translating the selected file into a format processable by the selected ACH processor and transmitting the translated file to the selected ACH processor. | 07-12-2012 |
20120179601 | OFFSITE FINANCIAL ACCOUNT ONBOARDING - Offsite financial account onboarding is provided which creates a more streamlined process for a customer. The customer accesses a money services businesss business electronic system to request financial account setup. The onboarding system establishes account access to a pooled custodial account managed by the money services businesss business based on preliminary identification (ID) data from the customer. With only preliminary ID data, account access limits are assigned which reduces the risk of fraud or criminal activity with the customer's account access. Because account access is established with just the preliminary ID data, the customer may fully obtain account access directly from a mobile device. The money services businesss business provides additional graduated access levels depending on additional ID data provided by the customer. Thus, depending on the type of ID data provided by the customer, the customer's account access will have corresponding access level rights to the custodial account. | 07-12-2012 |
20120179602 | Automated Kiosk Transaction Function and Monitoring System - An automated kiosk system comprises a host server station, at least one automated kiosk, and a communications interface. The host server station receives, stores, and transmits transactional data, monitoring data, and functional data. The at least one automated kiosk facilitates transactions with a consumer and has a user interface, at least one peripheral device, a digital input-output (I/O) board configured to receive the peripheral device(s), and a control system for storing the transactional data, monitoring data, and functional data, and for communicating with the I/O board, the user interface, and the host server station. The communications interface exchanges the transactional data, monitoring data, and functional data between each automated kiosk and the host server station via a network. | 07-12-2012 |
20120179603 | PURCHASER-SPECIFIC CURRENCY CONVERSION - Methods and systems for conducting online payments using a currency other than a base currency of a webpage are described. An indication of a purchaser's currency may be received. A plurality of prices on a webpage in a base currency may be identified. A request for a conversion rate between the base currency of the webpage and the purchaser's currency may be transmitted to a host computer system. The identified plurality of prices on the webpage listed in the base currency may be converted to a plurality of prices in the purchaser's currency using the conversion rate received from the host computer system. Purchase information and an identifier linked to the purchase information may be transmitted to a merchant computer system to conduct the online payment. | 07-12-2012 |
20120185378 | System and Method for Adaptive Selection of Bank Card for Payment - A system, that adaptively selects a bank card for payment, performs payment operations between a user and a payee through a payment platform. The payment platform includes a database, a rule engine unit, and a payment processing unit. The database stores information including: account information of a user, information of a plurality of bank cards that are used for payment, card selection rules, and payment records. The rule engine unit selects a bank card for the present payment from the plurality of bank cards based on the information of card selection rules. The payment processing unit receives a payment request from a user client, obtains the bank card for the present payment from the rule engine unit, and transfers a payment amount to the payee using the selected bank card. The present disclosure allows setting up card selection rules in advance. Therefore, in each card selection, subsequent payment operations may be continued without the need for a user to wait until interaction associated with card selection has been established with a user client and a card has been selected by the user. The speed of payment can be improved, and the resources of the network and the payment platform will not be occupied. | 07-19-2012 |
20120185379 | AUTOMATIC CHARGING STATION FOR ELECTRIC VEHICLES AND CHARGING METHOD THEREOF - The charging station of the invention employs an RFID system to read out charging conditions of the electric vehicle to be charged. The charging conditions are sent to a console. The console controls an automatic charging mechanism to charge the electric vehicle to be charged according to the charging conditions. The automatic charging mechanism automatically detects the location of the charging port of the electric vehicle to be charged and controls a robot hand to connect the charging port. An automatic payment mechanism may be activated after charge has been completed. | 07-19-2012 |
20120185380 | SYSTEM AND METHOD OF RESUME INFORMATION VERIFICATION AND CERTIFICATION - A resume information verification and certification system is implemented on a website. A user creates a resume using the website interface and includes information regarding work history. For each position, the user can also include information regarding a contact at the organization where the user worked who can verify the work history details. The website system automatically verifies that the contact information provided belongs to a contact at the organization by comparing the email address domain with the organization's domain. The system then transmits the information to the contact in an email, along with an explanation of the site and a request for the contact to verify the work history information provided. The contact confirms or denies the information. The system notifies the user of the confirmation or denial and includes this in the user's resume on the website. Employers subscribe to search and access user resumes with verified information. | 07-19-2012 |
20120185381 | APPARATUS AND METHOD FOR GENERATING CONSUMPTION PATTERNS - In an apparatus and a method for generating mobile consumption patterns, the apparatus includes: an information processing unit and storage unit that processes card use information from a server and stores the card use information including GPS information; an application unit to process the card use information and a sharing unit to share the stored card use information with another user via a network, or a display unit to display augmented reality based on the card use information and GPS information. | 07-19-2012 |
20120191597 | SYSTEM AND METHOD FOR COLLECTING AND DISTRIBUTING DIGITAL RECEIPTS - According to certain embodiments of the present invention, a method for coordinating the provision of a digital receipt associated with a financial transaction is provided. According to the method, a digital receipt and an identifier corresponding to the digital receipt are communicated from an acquirer and received at a digital receipt server. The digital receipt and the corresponding identifier may be communicated through a second network, such as the Internet. The digital receipt and the identifier corresponding to the digital receipt are then stored in the digital receipt server. The digital receipt server also receives an inquiry and an identifier corresponding to the inquiry, which are communicated from an issuer. The inquiry and the corresponding identifier may be communicated through the second network. Prior to this, the identifier is transmitted from the acquirer to the issuer, for example, through a first network such as an electronic funds transfer (“EFT”) network. | 07-26-2012 |
20120191598 | JOINT CLOSED-LOOP AND OPEN-LOOP INSTRUMENT ISSUANCE FOR DISBURSING FUNDS - A system for disbursing funds is described. The system includes a memory for storing cardholder information and a processor. The processor is configured to receive a cardholder identification, to receive a unique identifier from an instrument used for purchasing at least one of goods and services, to associate the unique identifier with the cardholder information based on the received cardholder identification, and to send the unique identifier and the cardholder information to a server. Methods and machine-readable storage media are also described. | 07-26-2012 |
20120197783 | DYNAMIC SAVINGS ALLOCATION METHOD AND PURCHASING MODEL - A system and method for providing a dynamic savings allocation account. The dynamic savings allocation account includes customer-defined savings categories within the account that act as sub-accounts. The customer may create savings categories and set parameters such as the goal amount to be reached, the time to reach the goal, how much or what percentage to be allocated to each category per deposit, etc. As the customer deposits funds into the dynamic savings allocation account, the deposit is automatically allocated to each savings category as defined by the customer. As goals are reached, customers may opt to take advantage of group purchasing benefits offered by the financial institution for some in-demand items. Alternatively, the financial institution, in partnering with third-party vendors may perform targeted sales campaigns. | 08-02-2012 |
20120197784 | COMPENSATING AN INDIVIDUAL INVOLVED IN A BUSINESS - A method of compensating an individual involved in a business is disclosed. The method comprises putting money from a business into an accumulation pool. Further, the method comprises allowing an individual involved in the business to participate in the accumulation pool after the individual has satisfied pool participation criteria. The pool participation criteria being defined in part by a number of individuals involved in the business as a result of the individual. Still further, the method comprises determining a share of the accumulation pool for the individual and determining a percentage of the share to be paid to the individual according to share percentage criteria. The share percentage criteria being defined in part by the number of individuals involved in the business as a result of the individual. Additionally, the method comprises paying the individual an amount from the accumulation pool according to the percentage of the share. | 08-02-2012 |
20120197785 | APPARATUS AND METHOD FOR MANAGEMENT OF INTELLECTUAL PROPERTY RIGHTS - A computer program product for managing intellectual property rights comprising a user interface and a database. The user interface may prompt a user for input of data relating to the intellectual property rights. The database may store data related to the intellectual property rights and may comprise a registration interface, a contracts interface, a social networking interface and a royalty management interface. The user may be prompted with an identification of a desire to exploit the intellectual property or an indication that the intellectual property has been exploited. The computer program product may use a processor that executes instructions to prompt the user for data, to store data, to provide access to the social network, to manage royalties, to indicate the desire to exploit the intellectual property and to indicate the intellectual property has been exploited. | 08-02-2012 |
20120203689 | Real-Time Account Communication - Embodiments of the invention describe a near real-time account messaging system using the ISO 8583 protocol and 0600 administrative message type for sending configurable notification messages to clients based on defined triggers activated by events, or transactions, occurring on an account. The account can be registered with the account messaging system and with the client system. The client is not a participant within the event causing the notification message to be generated and sent to that client. | 08-09-2012 |
20120203690 | Search Engine System And Information Searching Method - A search engine system includes a search module, an entrance for data submission by data providers, a resource library, and a payment module. The search module is configured to receive an information search request, search for corresponding data information from the resource library, send a payment request to the payment module after receiving a request for viewing the data information, and display or output the data information after receiving an indication of successful payment. The entrance for data submission by data providers is configured to the specialized data providers to submit data information to the resource library. The payment module is configured to receive the payment request, check corresponding account according to account information carrying in the payment request and deduct fees corresponding to the data information from the account, and send the indication of successful payment to the search module after the deduction is successful. | 08-09-2012 |
20120203691 | System and Method for Enhancing Financial Institution Revenues Through Acceleration of Debit Processing - A system and method for enhancing financial institution revenue through acceleration of debit processing is provided. The method includes modeling the processing of account debit transactions, identifying ways to accelerate the processing of the account debit transactions and accelerating the account debit transactions. In a further embodiment, account debit transaction processing is accelerated from beginning on what has traditionally been referred to as Day 0 to beginning on some day before Day 0. | 08-09-2012 |
20120203692 | Centralized Transaction Record Storage - A system according to an embodiment comprises a plurality of searchable machine-readable transaction records associated with a plurality of user accounts, the searchable machine-readable transaction records comprising transaction information associated with a plurality of user-merchant transactions, wherein the transaction information is provided by merchant server(s) and is captured and passed by one or more users to the system in response to a determination performed at a respective client device of the user(s) that a webpage comprises transaction information such that an address of the webpage matches an address in a transaction webpage database; one or more processors; and one or more memories adapted to store a plurality of machine-readable instructions which when executed by the processor(s) are adapted to cause the system to provide: a transaction record processing application configured to store the captured transaction information in the searchable machine-readable transaction records associated with the user accounts on the system. | 08-09-2012 |
20120209762 | TRANSACTION PROCESSING SYSTEM AND METHOD - A method of processing a transaction between a first user in a first telecommunications network and a second user in a second telecommunications network is disclosed. The first and second telecommunications networks comprise respective first and second transaction processing systems which are not required to have a direct interface between them. A transaction request is received from a first user in the first telecommunications network to effect a transfer of credit to a second user in the second telecommunications network. The transaction request includes an identifier of the second user. A credit value for the transaction is determined. The system verifies that the first user has access to credit sufficient to effect the transfer, and credit associated with the first user is reserved in the first network for the transaction. A transaction instruction message (including the determined value for the transaction) is generated to instruct transfer of credit to the second user, and is forwarded to a trusted third party intermediary server, which interfaces to a plurality of telecommunications networks to arrange transactions between the telecommunications networks. After a confirmation message is received confirming delivery of the credit to the second user, the reserved credit is then debited from an account associated with the first user in the first telecommunications network. An accounting packet associated with at least one transaction and the accounting packet or an aggregated accounting packet for a plurality of transactions is forwarded to an accounting server associated with the intermediary server. This effects transfer of monetary value between an account associated with the first telecommunications network and an account associated with the trusted third party intermediary server. | 08-16-2012 |
20120209763 | INDIVIDUAL LOCKER ASSEMBLY FOR REFRIGERATORS - The individual locker assembly for refrigerators is intended for use in the workplace for employees to secure their perishable foods and beverages. The locker assembly is also suitable for installation in refrigerators in medical offices and the like for the secure storage of controlled medications and the like that must be refrigerated. The locker assembly has a series of panels and dividers installable in an existing refrigerator unit, with the panels and dividers defining a series of individual lock boxes, each having its own lockable door. Alternatively, a specially configured refrigerator has an open front and a series of individual lock boxes installed therein. Each lock box is in contact with other boxes and/or the walls, floor, and top panels of the refrigerator, and is thermally sealed thereto. Each lock box has its own lockable door. The refrigerator includes a system for automating the lock box rental transactions. | 08-16-2012 |
20120209764 | METHOD AND SYSTEM FOR INTEGRATING SAVINGS AND CREDITS WITH DIFFERENT INTEREST RATES - A method and system for operating a new financial instrument and payment card integrates savings and credit transactions belonging to the same payment plan into a single account. Transactions can be carried out at different periods in time, for any amount, agreed on with different fixed or adjustable interest rates, without losing the payment conditions of each savings and credit. A financial account card as a financial instrument can be used to carry out long, medium and short-term savings and credit financial transactions. The card can also be used as a payment card to buy and sell anything of value. The card is operated through financial institutions and service centers by a computer system, which manages transactions between cardholders themselves and with financial institutions, maintains account balances, determines installments for debt and savings balances, manages available credit limits and guarantees, and manages other financial and payment services. | 08-16-2012 |
20120215683 | Transaction Processing And Backup - A system and method of providing uninterrupted transaction processing in the event of a failure or outage at a data center is provided. In some examples, the system or method may include receiving a request for a transaction. In some arrangements, a primary data center for processing that transaction may be identified. If the primary data center is available to process the transaction, the transaction may be processed and data associated with the processed transaction may be transmitted to one or more alternate or secondary data centers. If the primary data center is not available, the transaction may be routed to a secondary data center and processed at that data center. Data associated with the processed transaction may then be transmitted to the primary data center and any other secondary data centers. Accordingly, accurate, near real-time transaction data may be maintained at multiple data centers to permit transaction processing at multiple data centers. | 08-23-2012 |
20120215684 | Usage Payment Collection And Apportionment Platform Apparatuses, Methods And Systems - The USAGE PAYMENT COLLECTION AND APPORTIONMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“UPCAP”) transform content seed selections and recommendations via UPCAP components such as discovery and social influence into events and discovery of other contents for users and revenue for right-holders. In one implementation, the UPCAP may receive from a requestor a payment request for usage of a universally resolvable media content (“URMC”) item and may query a URMC usage database to obtain the URMC item usage metric. In a further implementation, the UPCAP may determine, based on URMC usage payment obligation rules associated with the requestor and the URMC item usage metric, a payment amount owed for usage of the URMC item and may provide the determined payment amount to the requestor. | 08-23-2012 |
20120215685 | SYSTEM AND METHOD FOR TRANSFERRING A LINE OF CREDIT BALANCE TO A CASH ACCOUNT - The present invention provides an automated system configured to facilitate transfers of cash value from one or more lines of credit to one or more deposit accounts or payment systems. An automated system ensures that requested funds are available in a customer's one or more lines of credit and electronically deposits the requested funds into one or more designated deposit accounts or payment systems. An automated system provides a means for customers to manage lines of credit, setup transfer transactions, define rules governing transfers and view transactional history. The automated system, in network connection with the lending organization's backend systems, may authenticate customer identities and credit accounts as well as insure that the requested funds are available for transfer into a deposit account. | 08-23-2012 |
20120215686 | METHOD AND SYSTEM FOR ENABLING A USER TO CREATE A DOCUMENT IN A COLLABORATIVE ENVIRONMENT - A method is disclosed for enabling a user to create a document in a collaborative environment, the method comprising including a first user accessing an application for storing a document; the first user drafting a given part of a document which may comprise a plurality of additional parts on an interface displayed to the first user; selecting at least one other user which may add an additional part to the document and transmitting an invitation to the selected at least one other user, the invitation comprising including an object for performing at least one of visualizing a part of the document and adding an additional part to the document. At least one of the visualizing a part of the document and the adding of the additional part of the document may be done for a fee. | 08-23-2012 |
20120221463 | LOCATION-BASED AUTOMATIC PAYMENT SYSTEM - A method for making a location-based automatic payment includes receiving an automatic payment instruction that designates a payee account. The automatic payment instruction is associated with a payer account in a database. A payment location is received and associated with the automatic payment request in the database. A payer device that is associated with the payer account is determined to be in the payment location and, in response, a payment request is sent over a network to make a payment from the payer account to the payee account. | 08-30-2012 |
20120221464 | COMMUNICATIONS SYSTEM FOR PERFORMING SECURE TRANSACTIONS BASED UPON MOBILE WIRELESS COMMUNICATIONS DEVICE PROXIMITY AND RELATED METHODS - A communications system may include a plurality of mobile wireless communications devices configured to determine proximity between one another. At least one of the mobile wireless communications devices may also be configured to generate a secure transaction request based upon the determined proximity. The system may further include a transaction terminal configured to receive the secure transaction request and perform a secure transaction based thereon. | 08-30-2012 |
20120221465 | CLEARINGHOUSE SYSTEM FOR MONETARY AND NON-MONETARY TRANSFERS OF VALUE - A clearinghouse system facilitates the transfer of value of various forms, including monetary transfers, between parties as well as the monitoring and control of such transfers. The clearinghouse system may include a global framework that defines the operation of regional implementations of the system such that they may interoperate with a global hub of the system. The regional implementations may communicate with value exchange environments and client devices to facilitate, monitor, or control value transfers. A pending payments system is provided as well to effectuate direct transfers of value, including currency, between a consumer and merchant. | 08-30-2012 |
20120221466 | METHOD FOR IMPROVED FINANCIAL TRANSACTIONS - Disclosed are methods and processing techniques for modifying or changing a financial transaction that is being processed, such as for the purchase of goods or services. Methods of the present invention, in particular, relate to methods including the ability to use fixed or variable data, as such data is sent to a financial transaction processor, in order to modify the transaction, and thus changing the financial transaction that is being processed or the method of processing the financial transaction. The modifications that are made to the transaction enhance security to the buyer by disclosing less data during the transaction for others to potentially gain access. | 08-30-2012 |
20120226601 | SYSTEM AND METHOD OF INDIVIDUAL FINANCING WITH REPAYMENT ENFORCEMENT - A system and method to allow individual financing of a purchase or lease of an apparatus with enhanced repayment is described. The system provides an interface and services for individual financing. Repayment is enhanced through the coupling of a payment protection system with the apparatus. A tamper protection system is also coupled with the apparatus to prevent tampering with the payment protection system. | 09-06-2012 |
20120226602 | Online Marketplace for Content Licensing Using Geopositional Data - Systems, methods, and computer program products for facilitating an online marketplace portal that enables content publishers and content creators to integrate geopositional considerations into their process for identifying licensing partners are disclosed. In an embodiment, such online marketplace portal allows users to consider geopositional data associated with content and content pitch proposals. Users may also consider geopositional data associated with other users when vetting and selecting possible licensing partners. Then, users may further use such online marketplace portal to propose and consummate content licensing arrangements with other users. | 09-06-2012 |
20120226603 | SYSTEMS AND METHODS FOR TRANSACTIONS AND REWARDS IN A SOCIAL NETWORK - An ecommerce system includes both redeemable and non-redeemable points. Cash can be converted to non-redeemable points. Redeemable can be converted to cash. A transaction may transfer redeemable points from a first user to a second user with points converted from non-redeemable points to redeemable points in limited circumstances. The ecommerce system may be used in a social network environment. Additionally, the ecommerce system may be used with a systems and methods that provide customized multimedia surveys in a social network environment. | 09-06-2012 |
20120226604 | SYSTEM AND METHOD FOR PROCESSING GIFT CARDS - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for enabling gift card recipients to redeem gift card amounts using existing accounts such as a credit/debit card. A system practicing the method identifies a giver and recipient of a gift card amount and associated accounts. A policy is established which governs how the gift card is redeemed, such as a specific merchant or item. When the recipient makes a purchase using an existing credit/debit card according to the policy, the gift card amount is applied to the transaction. No special codes, separate physical gift cards, or printable coupons are necessary for redemption. The recipient makes purchases using their normal purchasing credit/debit card via a qualifying purchase according to the policy, and the gift card is applied automatically. The recipient credit/debit card becomes a combination of an open-looped card and a closed-loop card. Thus, no money is wasted or lost. | 09-06-2012 |
20120233062 | Method and process for an electric vehicle charging system to automatically engage the charging apparatus of an electric vehicle - An automated vehicle charging system, that may be done within a service type station, to provide for charging, recharging, or even discharging, of the batteries of an electric vehicle, and generally will include a dispenser, having a cabinet containing all of the instrumentation desired for furnishing the provision of current information relative to the charging of a vehicle, of otherwise, and will include boom means that are highly maneuverable, in order to bring the charging instrument into close proximity of the electrical receptacle of the vehicle being serviced, whether it be at a service type station, or at a curbside type of charging system. Robotics may be used within the structure of these electrical charging systems, to facilitate the charging of any vehicle, by the customer itself, even at a self service type of station. | 09-13-2012 |
20120233063 | Method of Real Estate Sale - A method of real estate sale is presented that makes the parties of a typical real estate transaction into employees. The seller, the buyer, and the two realtors typically involved in a real estate transaction are all employees of a company. The relationships between the seller, the buyer, and the two realtors is maintained by a computer or similar device such that upon sale of real estate between the seller and the buyer, the buyer does not just pay the seller, and in the seller owes appropriate real estate commissions to the realtors; but rather, the realtors receive funds—but so do the seller and the buyer. | 09-13-2012 |
20120233064 | SYSTEM AND METHOD FOR SELECTABLE FUNDING OF ELECTRONIC TRANSACTIONS - A system for transferring funds to pay bills and to and from selected accounts on an optimized is provided. A mediation engine may manage the payments made to selected payees, including by scheduling the payments and selecting sources for funds. A rules-based optimizer may automatically select the least-cost or other most efficient or desirable transaction, given the customer's available funds, types of funds and payment date. All payment providers and payees may manipulated using one seamless view. A customer service representative may also view the transfers. | 09-13-2012 |
20120233065 | Automatic Electronic Trip Receipt Recording Method for Chauffeured Vehicles - An automatic electronic trip receipt recording method for chauffeured vehicles combines an in-car device and a center server to automatically generate an electronic trip reports or receipts for a passenger. The center server includes a dispatch server for transmitting related dispatch data to in-car device, a communication server for wirelessly communicating with the in-car device, a trip data server for storing trip data, and a trip data inquiry server for the passenger to inquire a specified list of trip reports; the in-car device comprises an in-car device main processor for processing signals from modules, which includes a GPS module, a wireless communication module, a boarding/disembarking detecting module, a tachometer counter module, an external meter reading device and a credit/debit card charging and card ID reading device. | 09-13-2012 |
20120239554 | System And Method To Eliminate Receiving Coins As Cents Due Less Than One Dollar - A system and method are provided for facilitating a transaction between a customer and a merchant in which a cash change amount between 1¢ and 99¢ is due the customer. According to an aspect of the disclosure, a method includes the steps of receiving information regarding an account associated with a customer, a merchant and a tracking fee amount; charging a tracking fee to an account associated with a customer; and crediting the tracking fee to an account associated with a merchant. Subsequently, an amount given by the sum of the amount of credit purchased and the tracking fee is credited to an account associated with a customer and charged to an account associated with a merchant. Accounts associated with a customer and a merchant are typically maintained electronically, and the charging and crediting are performed by a computing device. The credit purchase amount and tracking fee are equal. | 09-20-2012 |
20120239555 | Process for Controlling Battery Authentication - Improved handling of couplable device recognition tasks in an electronic device such as a cell phone, smart phone, computer system, recording device or others is facilitated. Recognition of a couplable device such as a battery so as to enable exchange of power between the device and the battery or other couplable device functionality is determined by a match between one of a plurality of digital strings stored in the device and the decrypted response to an encrypted challenge derived from the one of stored strings. Control is exercised over the distribution of the encryption elements which enable the improved handling of the tasks. | 09-20-2012 |
20120239556 | LATENCY PAYMENT SETTLEMENT APPARATUSES, METHODS AND SYSTEMS - The LATENCY PAYMENT SETTLEMENT APPARATUSES, METHODS AND SYSTEMS (“LPS”) transforms latency payment request inputs via LPS components into latency payment requests. In one embodiment, a method is disclosed comprising obtaining a latency payment method request and determining a latency payment period associated with the latency payment method request. The method includes determining a consumer item currency amount by applying a currency conversion factor to the merchant item currency amount. The method also determines a latency buffer amount based on the latency payment method request, generates a latency payment request by summing the latency buffer amount to the consumer item currency amount and structuring the summed amounts according to the patency payment period, and provides the latency payment request. In some embodiments LPS may determine the latency payment request according to maximized remittance aspects associated with a consumer specified payment method so as to optimize system wide remittance results. | 09-20-2012 |
20120239557 | SYSTEM AND METHOD FOR DETECTING FRAUDULENT ACCOUNT ACCESS AND TRANSFERS - Transfers of money into a recipient account are analyzed for risk of fraud by using a fraud monitoring system to analyze characteristics of the recipient account. The recipient account characteristics are stored in a central database, which has account data (for recipient accounts) contributed from a plurality of financial institutions that maintain such accounts. When a transfer is made or attempted, the stored characteristics of the recipient account are analyzed and a risk score is assigned to the transfer based on the recipient account. If the risk score indicates a suspicious or fraudulent transaction, an alert is provided. In an alternative embodiment, the risk analysis may be supplemented by analysis of transaction data association with the transfer. | 09-20-2012 |
20120239558 | METHOD AND SYSTEMS FOR EFFICIENTLY PROCESSING LARGE VOLUMES OF COMPLEX SMALL VALUE FINANCIAL TRANSACTIONS - The present invention provides a means for a system to model the financial terms of a contract. The system receives a contract and the details of a transaction governed by the contract as inputs and outputs a processed transaction. The system models the financial terms of the contract as a function of one or more parameters. Each of the parameters are further reduced to one or more rules, where each rule represents the terms of the contract as a set of conditions and associated actions. The actions are performed by the system when a corresponding condition is satisfied. The system determines the values of the various parameters by analyzing the outcome of the condition-action sets in relation to the given input transaction. | 09-20-2012 |
20120239559 | Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is implemented by a system having multiple processors. The payor may hold a payor account at a payor institution and the payee may have a payee account at a payee institution. The method includes generating a payment authorization identifying the payee institution, the payee account, and an amount of the payment and transmitting the payment authorization to the payor institution. The method further includes debiting the payor account by the amount of the payment; transmitting from the payor institution to the payee institution through the EFT network an EFT credit message representing a credit in the amount of the payment; and crediting the payee account in the amount of the payment in response to the receipt of the EFT credit message. | 09-20-2012 |
20120246064 | CUSTOMER REFUNDS USING PAYMENT SERVICE PROVIDERS - A method by which a merchant can establish and advantageously use an account at an online payment service provider for making both payments and refunds to customers so as to minimize overdraft or non-sufficient funds (NSF) occurrences and the attendant delays and loss of customer good will includes providing at least one processor communicating through at least one network, and using the at least one processor and network to receive a refund request, access a user reserve account with an online payment service provider, wherein the reserve account is associated with a regular account of the user with the payment service provider, and processing the refund request from the reserve account. | 09-27-2012 |
20120246065 | TECHNIQUES FOR OFFERING CONTEXT TO SERVICE PROVIDERS UTILIZING INCENTIVES - An embodiment of the present invention provides a method of offering incentive based context to service providers, comprising capturing context information of a user and distributing said context information to said service provider, wherein said service provider provides an incentive to said user for said context information, and wherein said user may choose all or a subset of said context information for varying types of compensation selected from the group consisting of: No compensation; Direct monetary compensation; Indirect monetary compensation; Non-monetary compensation; or Points, credits, access to free content. | 09-27-2012 |
20120246066 | SYSTEM AND METHOD FOR COLLABORATIVE COMMERCE ACROSS A NETWORK - A system and method for facilitating commerce on a network, such as the Internet, by a group of entities that wishes to collectively sell a good or service whereby the payment for the good or service can be automatically divided between the payment destinations for each of the recipients. The plurality of recipients can use a recipient interface to create predetermined payment divvy for payments made, such as those for the goods or services, such that a computer system directs payments to the plurality of recipients based upon the predetermined payment divvy upon receipt of revenue. | 09-27-2012 |
20120246067 | DYNAMIC HOLD DECISIONING USING ADJUSTED DEPOSIT AMOUNT - Embodiments of the present invention relate to methods and apparatuses for determining, communicating, and/or executing hold decisions for deposit items. For example, a method is provided that includes: (a) receiving information associated with a deposit item; (b) determining an actual deposit amount identified by the deposit item; (c) determining a payee account to receive the deposit item and a drawer account on which the deposit item is drawn; (d) determining a hold limit for the payee account; (e) determining an adjusted deposit amount for the deposit item based at least partially on: (i) the actual deposit amount identified by the deposit item, and (ii) one or more characteristics associated with the drawer account, and (f) determining a hold decision for the deposit item based at least partially on a comparison of the adjusted deposit amount to the hold limit. | 09-27-2012 |
20120254021 | FRIENDLY FUNDING SOURCE - A user can select one or more friendly funding sources to make a payment. The friendly funding sources are pre-approved by a “friend” of the user and have restrictions for use. When the user desires to make a payment, the user sees one or more friendly funding sources and can choose any combination of friendly funding sources and conventional funding sources for making the payment. | 10-04-2012 |
20120254022 | INFORMATION COMMUNICATION DEVICE AND LINK METHOD - Internet connection units dissolve a PC-mobile phone link where a PC operates as an AP (access point) and a mobile phone operates as an STA (station) and cause the PC and the mobile phone to operate as the STA and the AP, respectively. The Internet connection units then connect the PC to the Internet via the mobile phone. | 10-04-2012 |
20120254023 | SYSTEM AND METHOD FOR PROCESSING PREFERENTIAL ADMISSION OF INDIVIDUALS AND GROUPS TO PHYSICAL VENUES - A method for facilitating preferred admission transactions between venues and customers, comprises: receiving a request for preferential admission at a server from a customer device, the request identifying the venue to which the request applies; delivering a notification of request for preferential admission to a remote venue device; receiving a response at the server from the remote venue device, the response indicating either acceptance or rejection of the request for preferential admission; delivering notification of acceptance of the preferential admission request to the customer device; and charging the customer for the preferred admission service. | 10-04-2012 |
20120259768 | SYSTEM AND METHOD FOR PROVIDING PROXY ACCOUNTS - In various example embodiments, a system and method for providing a proxy account is provided. A transaction request initiated through a proxy account is received. The proxy account is a dependent, non-funded subaccount of a master account. A determination of whether a transaction of the transaction request satisfies restrictions and an amount limit established for the proxy account is performed. Based on the transaction satisfying the restrictions and the amount limit, the transaction is processed against a funding instrument of the master account. | 10-11-2012 |
20120259769 | APPARATUS, SYSTEMS, AND METHODS TO FACILITATE THE INTERACTION BETWEEN PARTIES - Devices, systems and methods for facilitating interactions between individuals are disclosed. The exemplary method may include providing member facility information and allowing other members to review the facility information. Members may request a meeting with another member with details of the requested meeting via the system. The request is transmitted to another member and the other member may accept, deny, or modify the request by the other member. Members may have an other members inclusive list or other members exclusive list to assist in facilitating interactions. Ratings may be used to rate other members and interaction facilities to aid in facilitating future interactions. | 10-11-2012 |
20120259770 | Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability. | 10-11-2012 |
20120259771 | APPARATUS AND METHOD FOR PROVIDING A TRANSACTION SERVICE - An apparatus and method for performing a transaction service, which includes receiving, by a service server, a transaction ID request for the transaction service with a service provider, from a user terminal, generating a transaction ID in response to the transaction ID request, providing the transaction ID to the user terminal, and receiving a transaction specification that corresponds to the transaction ID, from the service provider. The transaction specification is generated by the service provider using the transaction ID that is provided to the user terminal. | 10-11-2012 |
20120259772 | Electronic money transfer embedded in social media communities - The systems and methods described include a method of electronically transferring funds from one person to another person. This system offers the option of using a social application for the process or of using solely the actual system called The Vault. The method of use includes at least one user to send the funds and at least one user to receive the funds. Each user establishes an account within a social application and or an account with the system called The Vault. The sender electronically sends a request for funds to be released to a receiving party, the funds are then verified and or cleared by the system called The Vault and then they are transferred to the receiving party. | 10-11-2012 |
20120265671 | Systems and Methods for Validating an Order Purchased With an Unspecified Term - The present invention is directed towards systems and methods for validating an order purchased with an unspecified term. The order may comprise an order for an access ticket or admission ticket or access token, an order for goods or services, or any combination of access, goods, and services. Validation may comprise determining the ticket or token is valid and/or allowing access based on a determined data value for an access term unspecified at the time of purchase; or determining that the order is valid and fulfilling the order based on an identified data value for a term unspecified at the time of purchase. A data value may be set for the unspecified term and a hierarchical tree searched for a leaf corresponding to the set value for the unspecified term and one or more terms specified at time of purchase, the existence of the leaf indicating the order is valid. | 10-18-2012 |
20120265672 | Waiver Decisioning - A system and method of identifying one or more waivers for waiving a fee associated with an account of a customer at a financial institution. The system and method may include identifying, based one or more criteria of the account, customer, and the like, one or more waivers applicable to the account, customer, and the like. The applicable waivers may be provided for selection. In some examples, a history of all waivers associated with the account or customer may also be provided. | 10-18-2012 |
20120265673 | Systems and methods for providing gaming activities - A system and method for determining the location of a location tracking device, employs a satellite based location determining infrastructure and a wireless data communications network. A location tracking device which cannot easily obtain valid ephemeris data from the satellite based location, determining infrastructure, requests the necessary data from a data set stored at a tracking device hub via the wireless communications network. The tracking device hub determines and transmits an estimated position of the location tracking device to the location tracking device, along with the appropriate required valid ephemeris data, to allow the location tracking device to determine its location. If the location tracking device is still unable to make a location determination from the satellite based location determining infrastructure, then the estimated location can be provided. The base station topography is self-determined by a process executing in the system and can include base stations from different networks. | 10-18-2012 |
20120265674 | Method and system for facilitating fundraising via a communication network - A funding facilitator hosts a web site that allows an entity seeking funding to create a funding request and either forward the request to preselected individuals, or entities, or make the request publicly available. If a potential funder wishes to contribute, it establishes an account and login credentials with the funding facilitator and authorizes a transfer of funds from its account to a payment processor account associated with a fundee at the funding facilitator. The funding facilitator receives information from the payment processor related to the fundee's transactions, and makes the information available to respective funders that enter their already-established login credentials through the hosted web site. The funding facilitator initiates repayments to funders who are lenders according to a repayment schedule and to proportions that they contributed to the funding amount. The repayment schedule may also reflect interest. | 10-18-2012 |
20120265675 | Proprietary Risk Management Clearinghouse - A computerized risk management method and system for facilitating analysis and quantification of risk associated with a risk subject on a proprietary basis. A proprietary risk management system combines gathered information with information received from a source such as an automated risk management clearinghouse system and maintains a database to relate risk variables and calculate a measurement of risk. The measurement, which can be a risk quotient or other rating based upon a weighted algorithm applied to the risk variables, is indicative of risk associated with the risk subject. Actions commensurate with a risk quotient can be presented to a user to facilitate management of risk associated with a particular entity or transaction or other transaction. A stored history can be created to mitigate adverse effects relating to a problematic transaction. | 10-18-2012 |
20120265676 | METHOD AND SYSTEM FOR PAYMENT FUNDING - Embodiments of a method and system for payment funding are provided. A funding specification request is received that defines a plurality of payment sources and a priority for the plurality of payment sources for making payments in a networked system. A determination as to whether a payment allocation is received in the funding specification request that designates an allocation of a portion of an amount of value to be provided by a plurality of users for a transaction conducted through the networked system is made. Based on the determination that the payment allocation is not received in the funding specification request, a default payment allocation to be provided by the plurality of users is identified. A payment for at least the portion of the amount from at least one of the plurality of payment sources based on the priority indicated in the funding specification request is processed. | 10-18-2012 |
20120271757 | SYSTEMS AND METHODS FOR MANAGING ACCOUNTS PAYABLE - A computer-implemented method for generating a first accounts payable financial product that is configured to be used for one or more payment transactions. The method includes receiving a selection of a core account for providing financial backing for the first accounts payable financial product; receiving a selection of a first recipient payee to which the first accounts payable financial product is to be distributed; generating the first accounts payable financial product based on one or more control parameters that define use restrictions for the first accounts payable financial product; and causing the first accounts payable financial product to be distributed to the first recipient payee. | 10-25-2012 |
20120271758 | REAL-TIME SYSTEM AND METHOD FOR TRACKING, LOCATING AND RECHARGING ELECTRIC VEHICLES IN TRANSIT - The present invention provides computer-controlled electric battery charging systems and methods for charging a battery of a roaming electric vehicle, the system comprising an electric vehicle comprising at least one battery, a master charger vehicle comprising a master battery module and a control system in communication with the at least one electric vehicle and the master charger vehicle to enable the master charger vehicles to reach the electric vehicle, wherein the master battery module is adapted to charge the at least one battery. | 10-25-2012 |
20120271759 | Online Membership Incentive System & Method - An incentive system for members of an online community to contribute quality content based on members voting for content with a virtual token system. Acquisition of virtual tokens by contributing members of the online community is used by the online community computer system to calculate and distribute shares of online community revenue to contributing members. A method to prevent revenue sharing fraud by community members may also be implemented. | 10-25-2012 |
20120271760 | Methods and Systems for Inter-Currency Transfers - Exemplary embodiments describe systems and methods which provide for currency or inter-currency transfers. An intermediate broker operates between service providers to enable the transfer to be separated into two local e-money transactions from point of view of the service providers. E-money flows and real money flows are disassociated to enable, for example, beneficiary parties to receive their funds in real time (or near real time) and to enable the intermediate broker to aggregate real money flows during periodic rebalancing processes among its local accounts. | 10-25-2012 |
20120271761 | INTER-NETWORK FINANCIAL SERVICE - Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network. | 10-25-2012 |
20120271762 | METHOD AND SYSTEM TO FACILITATE A TRANSFER OF FUNDS BETWEEN PARTIES USING A TELEPHONE-ENABLED DEVICE - A method and system utilized to receive a registration request to register a mobile telephone with a financial payment system and contact information that identifies the mobile telephone. The system generates a confirmation code responsive to receiving the contact information and communicates the confirmation code to the mobile telephone. The system further receives from the mobile telephone a request to confirm the registration, the request to confirm registration including the confirmation code; and configures the first financial account at the financial payment system to receive instructions from the mobile telephone to transfer funds on the financial payment system. | 10-25-2012 |
20120278228 | METHOD AND APPARATUS FOR ACCURATE AND SECURE PRODUCT DISPENSING - A system and apparatus for accurate and secure dispensing of products using an automated dispensing machine, and transmission, processing and analysis of data concerning items dispensed. In one embodiment the system provides the possibility of combined pharmaceutical supply chain management and medication treatment compliance management and may be applied to controlled dispensing of medications, enabling incentives to encourage higher compliance, recording and processing of patient and health care data. The system allows for automatic replenishment of medications to the RFID equipped medication storage enclosure at the healthcare site. It also allows for complete logging of data relating to which patient has received the correct dosage at what time, by whom this medication was administered, and correlation with other possible RFID tagged documents. | 11-01-2012 |
20120284174 | METHOD FOR COMPLETING GIFT GIVING EXPERIENCE OF GIFTED FUNDS - A method for completing gift giving experience of gift funds including receiving a signal for delivery of gift funds from a giver of a specified amount for use by a specified receiver; receiving gift conditions specified by the giver; notifying the receiver of the gift funds and the gift conditions; presenting a template message interface to the receiver, wherein an input field in the template message interface corresponds to gift condition; receiving confirmation of gift conditions satisfied by a purchase by the receiver through the composing of a purchase message; sending the purchase message with at least one indicator of the confirmation of the gift conditions, wherein the purchase message is composed through the template message interface by the receiver and sent to the giver; and transferring gift funds to the receiver upon sending the message and receiving confirmation of the gift conditions. | 11-08-2012 |
20120284175 | METHOD AND SYSTEM FOR FACILITATING PERSON-TO-PERSON PAYMENTS - A Person-to-person payments method and system may include receiving a request from a computer network to transfer funds from a first account to a second account, almost instantly. An alias (mobile number or email) is received and is associated with the second account and checked against a database. If the alias exists, multiple options may apply for transferring funds. Next, a secure party identifier is generated and the transfer may be completed. A Payments Switch Module may also communicate with a Third Party Payment Service Provider a request from a Sending or Receiving Financial Institution or party, to send or receive funds from a specific account held by the Third Party Payment Service Provider. This may occur on an adhoc, automatic, or scheduled basis enabling management of ‘personal cash concentration.’ This feature with the Third Party Payment Service Provider be characterized as a “Bring it Home” feature of the system. | 11-08-2012 |
20120284176 | Systems and methods for collaborative online content editing - Various embodiments of the invention provide systems and methods for collaborative online content editing, where collaboratively-created content comprising high definition/quality content is created or modified at an online content editing server according to instructions from an online content editor client, and where a proxy version of the resulting collaboratively-created content is provided to online content editor client to facilitate review or further editing of the collaboratively-created content from the online content editor client. In some embodiments, the online content editing server utilizes proxy content during creation and modification operations on the collaboratively-created content, and replaces such proxy content with corresponding higher definition/quality content, possibly when the collaboratively-created content is published for consumption, or when the user has paid for the higher quality content. | 11-08-2012 |
20120290468 | Method and apparatus for secure payment using a network-connectable device - An apparatus and method for completing a payment transaction using a network-connectable device is disclosed. When a payer initiates a payment transaction to a vendor using the network connectable device, a unique identifier and current geolocation of the network-connectable device are sent to a payment server together with a server payment transaction message containing information about the payment transaction. The payment server compares the geolocation with the vendor location and one or more predetermined locations associated with the payer, for example, a home or workplace. Upon a successful comparison, the payment retrieves a third party payment record from a mapping database and uses it to complete the payment transaction with a third party payment processing system. | 11-15-2012 |
20120290469 | System and method for assigning an initial transaction fee tier to a vendor in a payment system with a variable transaction fee - A system for making payments from each payer of a community of payers to each vendor of a community of vendors assesses a variable transaction fee to each vendor. The system comprises a database which associates, for each payer, identification a selected rate tier assigned to each vendor. A rate tier assignment application determines an initial rate tier to assign to a vendor by: i) determining an industry sensitivity score, the industry sensitivity score being representative of how sensitive a typical vendor in the same type of business as the vendor is to payment of transaction fees; ii) determining a payer centric spend score; iii) determining a payer centric frequency score; iv) determining a network spend score; and iv) determining a network frequency score. These scores are used to determine an initial rate tier to associate with the vendor. A payment application, when making payment from the payer to the vendor, determines a transaction fee to apply to the payment, the transaction fee being a product of the amount of the payment and the transaction rate associated with the selected rate tier. | 11-15-2012 |
20120290470 | PAYMENT SYSTEMS AND METHODS FOR PROVIDING WIRELESS POWER TRANSFER - Payment systems and methods for providing a wireless power charge are disclosed. In one exemplary implementation, a system includes a wireless charger that is used to provide a power charge to a wirelessly chargeable device. Prior to providing the power charge to the wirelessly chargeable device, the wireless charger obtains payment-related information from the wirelessly chargeable device using near field communications (NFC), and transmits this payment-related information to a payment center via a network such as the Internet. The payment center uses the information to either deny or authorize the power charge operation. If authorized, an authorization indication is provided to the wireless charger via the network, and the wireless charger then wirelessly transmits a suitable power charge to the wirelessly chargeable device. | 11-15-2012 |
20120290471 | Payment Network with Multiple Vendor Participation Levels - A system makes payments from a community of payers to a community of vendors, assesses a transaction fee to the vendor on each payment, and provides a level of service to each vendor based on aggregate transaction fees. The system determines a transaction fee for each payment by looking up a fee rate applicable to payments from the payer to the vendor and multiplying the payment amount by the fee rate. Each vendor is assigned to a service tier based on aggregate transaction fees charged over a period of time. If the aggregate transaction fee is lower than a threshold, the vendor is assigned to tier one. If the aggregate transaction fee is greater then the threshold and less than a second threshold, the vendor is assigned to tier two. If the aggregate transaction fee is greater than the second threshold, the vendor is assigned to tier three. | 11-15-2012 |
20120290472 | SYSTEMS AND DEVICES FOR MOBILE PAYMENT ACCEPTANCE - A mobile device may provide payment acceptance for purchases, payments and/or money transfers by accepting payment information from a powered, or a non-powered, card using a contactless communication channel formed between the card and the mobile device. The payment information may be communicated by the mobile device to network entities that may be used to settle such purchase, payment and/or money transfer transactions. The mobile device may, for example, accept more than one payment account to split a purchase among several payment accounts. A user of a mobile device may, for example, store payment information within the mobile device for future purchases. A user of a mobile device may, for example, request checkout options using the mobile device, such as customizing receipt delivery, annotating receipts with comments and categorizing purchases for customized accounting reports. | 11-15-2012 |
20120296808 | Trade-Credit Exchange Apparatus - An apparatus configured with software that enables participants to exchange trade-credit comprising one or more databases and processing components and which utilizes automated value matching algorithms and trade search engine algorithms to discover and process exchange paths. | 11-22-2012 |
20120296809 | TRACKING DONATED PORTION OF TRANSACTION - A method for tracking use of an affinity account owned by a customer and organized in accordance with one or more account rules includes receiving information regarding a transaction conducted using an affinity account, the information comprising a transaction amount, determining, using a processing device, whether the transaction amount justifies making a donation according to the account rules, determining that the transaction amount justifies a donation according to the account rules, initiating a donation according to the account rules and tracking the transaction amount and the donation resulting from the use of the affinity account. In some embodiments, tracking includes storing information regarding the transaction including an amount of the transaction and storing information regarding the donation including an amount of the donation. The method also includes communicating some or all the stored information regarding the donation to the customer. | 11-22-2012 |
20120296810 | SECURE CARGO TRANSPORTATION SYSTEM - A method of controlling access to a movable container, the method comprising controllably locking the container using an electronically actuated locking mechanism; storing in a memory a desired geographical location; determining the geographical location of the container; and enabling the locking mechanism to unlock the container if the determined geographical location matches the desired geographical location. Apparatus, including secure cargo transportation systems are also disclosed. | 11-22-2012 |
20120296811 | AUTOMATED TRANSACTION APPARATUS, AUTOMATED TRANSACTION METHOD, AND PROGRAM STORAGE MEDIUM - An automated transaction apparatus is disclosed, which includes an identification section that, when a plurality of types of currency having mutually different currency units have been inserted, identifies the inserted currency; and a controller that effects control of a transaction with a user based on identification results determined by the identification section. | 11-22-2012 |
20120296812 | SYSTEMS AND PROCESSES FOR PROVIDING PERFORMANCE CONTENT ON A COMMUNICATION NETWORK - A system and process for operating a computer on a communication network involves providing a first performance environment, such as a first game, over the network to a first on-line user, receiving performance data from the first on-line user corresponding to the first on-line user's performance in the first performance environment. A value is defined for performance rights associated with the received data. A second performance environment that is separate from the first performance environment is provided over the network to a second on-line user, in which the second on-line user is able to make a performance. The second on-line user is provided with access to received data corresponding to the first on-line user's performance in the first performance environment, while the second on-line user is making a performance in the second performance environment. | 11-22-2012 |
20120296813 | System and method for facilitating large scale payment transactions - A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives and fulfills a request to make a payment on an end user's account with a service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day. | 11-22-2012 |
20120296814 | System and method for facilitating large scale payment transactions - A system and method of payment of an end-user account with a service provider includes a computer system that makes payments to service providers on behalf of end-users and that is operable to exchange information with a terminal at the point of sale or a web-enabled computer system operated by the end-user and with the computer system of the service provider. In one embodiment, the computer system of an intermediary receives a request to make a payment on an end user's account with a service provider. The computer system of the intermediary may communicate with the computer system of the service provider by logging on to the web page of the service provider as the end-user, and entering a universally accepted open system number and the amount of the payment received from the end user's source of funds to effect payment on the end user's account with the service provider. In another preferred embodiment, a payment router together with an issuing/sponsoring bank and a processor, as implemented by their computer systems, facilitate payment transactions in which the router transacts at least thousands of payments for at least hundreds of payors with at least dozens of payees using at least one open system card association network, preferably in a day. | 11-22-2012 |
20120296815 | PROCESS FOR LINKED HEALTHCARE AND FINANCIAL TRANSACTION INITIATION - Methods and systems for acquiring a pre-approval from a responsible party and receiving funds from a financial account related to the pre-approval in the healthcare field are described herein. A method for collecting payment from an individual for services rendered by a provider is disclosed. The method includes verifying an individual's eligibility for benefits, estimating an individual responsibility amount, acquiring authority from the individual for up to the individual responsibility amount on at least one financial account held by the individual, submitting one or more claims to one or more payer entities requesting compensation for the services rendered by the provider, deducting an amount from the at least one financial account held by the individual, and transferring the deducted amount to the provider. | 11-22-2012 |
20120303516 | DONATION AND PAYMENT SYSTEM - An economically viable virtual payment system and method for creating and processing donations and payments, even for micro donation payments to a Merchant, which operates on any of multiple electronic communications platforms e.g., PC, Apple, Linux and platforms such as BlackBerry OS, iPhone OS, Windows Mobile and Google Android and through the world wide web and mobile web. Micro donation payments are cumulated in a virtual money receptacle up to a pre-determined amount which triggers electronic transfer of the cumulated funds to the Merchant. | 11-29-2012 |
20120303517 | SYSTEM AND METHOD FOR SERVICING CUSTOMIZED MOBILE CONTENT - Disclosed are a system and a method for servicing a customized mobile content that can allow a user to easily download and use various mobile contents regardless of a type of his/her own terminal by: verifying user information by using metadata and a template that are stored in advance from information published by a content publishing institution, generating a mobile content suitable for types of the content publishing institution and a user terminal and transmitting the generated mobile content to the user terminal, downloading the mobile content through a program for the mobile content installed in the user terminal, and displaying the downloaded mobile content to the user. | 11-29-2012 |
20120303518 | METHOD AND SYSTEM FOR DISTRIBUTING AND PAYING FOR CONTENT ON SOCIAL NETWORKS - Copyrighted content on a first social network is downloaded by way of an application running on a second social network. Users of the second social network may share the copyrighted content with other users of the second social network. From the second social network, users may also pay creators of the copyrighted content by way of an electronic payment systems. | 11-29-2012 |
20120303519 | USER INPUT OF CONSUMER SPENDING TRANSACTION DATA FOR SAVINGS AND DONATIONS PROGRAMS - A method for accumulating funds in a target account is provided. A server receives transaction data from a user via a communications network, wherein the transaction data includes at least a unique identifier for the user and a spending amount. Next, the server accesses a record associated with the user and reads at least a savings determinant, source account data and target account data from the record. Then, the server calculates a savings amount based on the savings determinant and the spending amount and increments a current value based on the savings amount. Finally, the server transmits, over the communications network, a message to a provider of the source account, wherein the message includes a request to transfer the current value from the source account to the target account. | 11-29-2012 |
20120303520 | WIRELESS COMMUNICATION ACCESSORY FOR A MOBILE DEVICE - A wireless communication accessory for a mobile communication device comprising: a casing that conforms, at least partially, to the outer shape of the mobile communication device; a processing circuit housed within the casing and configured to process a first data; and a wireless transmitter coupled to the processing circuit, where the transmitter is configured to transmit the first data. The wireless communication accessory may further comprise a wireless receiver that is configured to receive a second data from an external wireless device. The first data may be associated with any or all of the following: payment card information for processing purchase transactions; public transportation account information for processing travel credits on public transportation systems; and access card information for gaining access into restricted areas. | 11-29-2012 |
20120303521 | METHODS AND SYSTEMS FOR PROTECTION OF IDENTITY - The present invention relates to a method to the creation and management of a secondary identification to avoid identify theft. Identity theft may occur over the internet, the purchase of goods and services by credit, and many other forms not yet known. The present invention creates a secondary identification for a person by creating one or more of the following secondary identifications which include a secondary email address, a secondary postal address, a secondary phone number, and any other identifying secondary information. The present invention describes methods and systems to create a secondary identification. Further, the present invention may be used to create a credit card containing the requestor's secondary identification. | 11-29-2012 |
20120310820 | ENGINE, SYSTEM AND METHOD FOR PROVIDING CLOUD-BASED BUSINESS INTELLIGENCE - An engine, system and method for providing cloud-based business intelligence data, responsively to received company information, including a local front end comprising a graphical user interface capable of locally querying a user for an electronic location of the received company information, and ones of the business intelligence data to be displayed on the graphical user interface upon upload of the received company information from the electronic location, and further including an at least partially remote back end, comprising an accessing engine capable of accessing the electronic location for uploading to the cloud of only ones of the received company information indicative of the ones of the business data intelligence to be displayed, and a charging engine for charging an account of a user of the front end $1 per the ones of the business intelligence data to be displayed. | 12-06-2012 |
20120310821 | SOLAR FIELD CANVAS - A solar field made up of a plurality of mutually adjacent solar panels and a substantially horizontal visual display associated aerially with at least a portion of the solar panels. The field may include landscaping which forms at least a portion of the display. The solar panels may include differently colored solar cells arranged to form at least a portion of the display. The field may include a plurality of light emitting elements, coupled to at least a portion of the solar panels and controlled to selectively display a visual image. | 12-06-2012 |
20120310822 | AGGREGATING DEBT TO INCREASE BARGAINING POWER - Systems and methods for aggregating debt to increase bargaining power are provided. An example system includes a web-based aggregating service that enlists subscribers or participants. The service compiles multiple individual debts owed to one creditor by numerous participating members into an aggregated debt with which to approach the creditor for negotiation of a discounted payment. The payment is attractive and relatively reduced from the standpoint of the debtors because it is discounted. Since the discount is applied to numerous debts that are to be resolved in a relatively short timeframe, the payment is attractive, paid quickly, and relatively increased from the standpoint of the creditor, compared with conventional individual collections, which are relatively expensive and have a poor success rate. | 12-06-2012 |
20120310823 | METHOD AND SYSTEM FOR OPERATING A SOCIAL FUNDING PLATFORM AND FOR INTERACTIVE FUNDRAISING IN A SOCIAL NETWORK ENVIRONMENT - A social network fundraising system receives a business funding request associated with one or more traits from an entrepreneur/fundee. The system selects potential/candidate funders based at least partly on a ranking corresponding to their respective relationship to the fundee. The system sends a request message successively and preferentially to groups of one or more candidate funders according to the ranking order until funding offers are received from one or more candidate funders. The system sends received offers and information identifying the funders to the entrepreneur, and may facilitate automatic negotiation between each potential funder and the entrepreneur. The ranking order may correspond to statistical similarity between traits associated with a request and traits associated with a candidate funder, as well as to social similarity between the entrepreneur and candidate funder resulting from analysis of social network profiles. The system may facilitate displaying funding status on a funder's social network profile. | 12-06-2012 |
20120317018 | SYSTEMS AND METHODS FOR PROTECTING ACCOUNT IDENTIFIERS IN FINANCIAL TRANSACTIONS - In a system for protecting account identifiers in financial transactions, a consumer provides an account identifier to be used for purchasing a good or service from a merchant. However, only a portion of the account identifier is transmitted to the merchant. The remaining portion of the account identifier is transmitted to a server, referred to as a “payment facilitator,” that is not controlled by the merchant. During the financial transaction, the merchant submits a request for financial payment containing a portion of the consumer's account identifier to the payment facilitator. The payment facilitator combines the account identifier portion in the request with the account identifier portion transmitted to it from the consumer in order to determine the consumer's full account identifier. The payment facilitator then submits a request for financial payment to a financial institution for approval. | 12-13-2012 |
20120317019 | Card-Present On-Line Transactions - Embodiments of the invention can provide systems and methods for on-line credit card transactions. According to one example embodiment of the invention, a method can be provided. The method can include receiving, from a data manager, credit card information of a user; storing, on a secure element, the credit card information of the user; requesting a transaction with a merchant; receiving, from the merchant, a request for the credit card information; and sending, to the merchant, the credit card information of the user and a card-present indicator. | 12-13-2012 |
20120317020 | SYSTEM AND METHOD FOR MEASURING AND UTILIZING POOLING ANALYTICS - A system and method for quantifying the working capital benefit of pooling a number of separate cash accounts. The average (mean) cash balance of the pooled account is determined to be the sum of the means of each of the individual accounts. Similarly, the standard deviation of the pooled account is determined to be the square root of the sum of the squares of the standard deviations of the individual accounts. Accordingly, the minimum cash level of the pooled account is 2.3 times the square root of the sum of the squares of the standard deviations of the individual accounts. If pooling is to be beneficial, from a working capital perspective, the minimum cash required in the pooled account will be significantly less than the aggregate cash required by the separate companies. | 12-13-2012 |
20120317021 | METHOD AND SYSTEM FOR FINANCING RESEARCH AND DEVELOPMENT RELATED ACTIVITY BY THE GENERAL PUBLIC - A computer-based method for financing an R&D project, including: storing, in a memory element for a computer, computer readable instructions; and executing, using a processor for the computer, the instructions to transmit, for display: a list of R&D projects and estimated funding requirements; a request for funding of an R&D project from the list; and, an offer to provide a portion, proportional to a monetary contribution for the project, of proceeds generated by the project as funding for another R&D project to be selected by a donor providing the monetary contribution. The method receives: the contribution and a selection of the other project from the list. The method determines the proceeds generated by the project, determines the portion of the proceeds, and directs a transfer of funds equal to the portion of the proceeds as funding for the other R&D project. | 12-13-2012 |
20120317022 | Digital Watermarking Applications - The disclosure relates generally to methods and systems including, e.g.,: (1) steganographically embedding location information in image or audio content, where the location information is obtained from remote sources like a cell phone network or remote GPS receiver; (2) steganographically embedding participant IDs in content to ensure proper billing and royalty tracking; (3) providing fair-use content management based upon digital watermark-tracked usage; (4) providing micro-payments based upon watermarked objects for retailers; and/or (5) providing watermarked logon cards, such as watermarked hotel room keys, to better provide internet logon access control. Other systems and methods are provided as well. | 12-13-2012 |
20120323762 | System and Method of Multi-Factor Balance Inquiry and Electronic Funds Transfer - A system and method of processing balance inquiries and electronic funds transfers (EFTs) using multi-factor authentication. The method may include receiving an identifier of a financial account and contact information associated with the financial account and initiating a communication via the contact information. Upon receiving an authentication via the communication, the method may include processing a balance inquiry and/or EFT of the financial account based on the identifier and the authentication. The method may include determining a balance of the financial account based on the balance inquiry and/or causing funds to be electronically transferred. The system and method may also facilitate a balance inquiry from a mobile device to an EFT provider. | 12-20-2012 |
20120323763 | Systems and methods for monitoring and managing transportation infrastructure and locations of vehicles therein - A method for monitoring and managing transportation infrastructure and locations of vehicles therein includes: receiving signals transmitted from a vehicle equipped with a transmitter that generates the signals, the signals including information relating to one or more of the vehicle, an owner, a driver, a custodian, or a passenger of the vehicle, a person, an animal, or an object within, secured to, or transported by the vehicle, and a person, an entity, an object, a status, a condition, an event, an indication, or an interrupt associated with the vehicle; and processing the signals and/or the information to identify in association with the vehicle a circumstance that satisfies criteria for facilitating, controlling, or initiating an action or a process involving one or more of providing information, providing a notification, transferring funds, and issuing a ticket, a citation, a warning, or other communication. | 12-20-2012 |
20120323764 | FACILITATION OF PAYMENTS BETWEEN COUNTERPARTIES BY A CENTRAL COUNTERPARTY - A system for moving money between accounts of traders by a central counterparty to facilitate payments, i.e. the movement of funds, there between is disclosed which provides a flexible mechanism which supports simpler accounting, new types of derivatives contracts as well new types fees. The disclosed futures contract, referred to as a “payer” contract, comprises a “no-uncertainty” futures contract, i.e. the initial value and settlement value parameters are defined, that leverages the mechanisms of the clearing system to, for example, accommodate related payments. Accordingly, a 1-to-many relationship between contracts and prices is provided whereby each price component may be assigned its own payer contract. The function of the payer contract may be to guarantee the movement of money from related positions. In one embodiment, payer contracts are dynamically created whenever a payment is needed. | 12-20-2012 |
20120323765 | GIFT CARD TO CREDIT CARD TRANSFERENCE - Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for credit card and credit card like transaction enablers. In one aspect, a method includes receiving a credit card account associated with one or more gift card accounts, each respective gift card account associated with a respective balance; receiving notice of a transaction using the credit card account; determining whether a respective gift card account qualifies for use in the transaction; in response to determining that a respective gift card account qualifies for use in the transaction, determining whether to apply the respective balance to the transaction; in response to determining to apply the respective balance to the transaction, applying the respective balance to the transaction. | 12-20-2012 |
20120323766 | METHOD FOR RECYCLING SCRAP - The present disclosure describes a method for the recycling of scrap that includes using a computer device with internet access to input data to a website of a recycling center. The input to the website includes data on the scrap, an originator of the scrap, container for the scrap and location of the scrap. The website limits the recycling of scrap to select types of scrap. The website uses the input data to calculate a potential value of the scrap. If the potential value of the scrap is acceptable, the website directs a commercial carrier to prepare a shipping label. The shipping label can be printed by the originator, attached to the scrap packaged in the container and transported by the commercial carrier from the location of the scrap to the location of the recycling center. The recycling center performs an actual valuation of the scrap upon receipt of the scrap and performs calculations as to the actual value of the scrap relative to the shipping costs to determine the payment to the originator and benefit to the recycling center. | 12-20-2012 |
20120323767 | Systems and methods for monitoring, managing, and facilitating transactions involving vehicles - A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a vehicle, at least one of the inputs and/or parameters identifying the vehicle or being associated with or established in association with the vehicle; and facilitating or initiating a process of charging an account depending upon the one or more inputs and/or parameters. | 12-20-2012 |
20120323768 | SMS BENEFICIARY ADVISING - Apparatus and methods for communicating a notification of a status of a payment are provided. The payment may be an electronic payment. The apparatus and methods may involve receiving an electronic request from a payor to transmit a payment to a payee. The status of a payment may include steps that have been completed, have not been completed, and/or are currently in progress in a process of fulfilling the payor's request. Status may include an estimate of time remaining until the fulfillment process is completed. The electronic request may include a notification preference. A notification preference may include a destination for receiving the notification. A method of communicating a notification may include any suitable paper or electronic communication method. The notification may be automatically stored in a database for future reference. | 12-20-2012 |
20120323769 | Systems and methods for monitoring and managing transportation infrastructure and locations of vehicles therein - A method for monitoring and managing transportation infrastructure and locations of vehicles therein includes: receiving signals transmitted from a vehicle equipped with a transmitter that generates the signals, the signals including information relating to one or more of the vehicle, an owner, a driver, a custodian, or a passenger of the vehicle, a person, an animal, or an object within, secured to, or transported by the vehicle, and a person, an entity, an object, a status, a condition, an event, an indication, or an interrupt associated with the vehicle; and processing the signals and/or the information to identify in association with the vehicle a circumstance that satisfies criteria for facilitating, controlling, or initiating an action or a process involving one or more of providing information, providing a notification, transferring funds, and issuing a ticket, a citation, a warning, or other communication. | 12-20-2012 |
20120323770 | Systems and methods for monitoring and managing transportation infrastructure and locations of vehicles therein - A method for monitoring and managing transportation infrastructure and locations of vehicles therein includes: receiving signals transmitted from a vehicle equipped with a transmitter that generates the signals, the signals including information relating to one or more of the vehicle, an owner, a driver, a custodian, or a passenger of the vehicle, a person, an animal, or an object within, secured to, or transported by the vehicle, and a person, an entity, an object, a status, a condition, an event, an indication, or an interrupt associated with the vehicle; and processing the signals and/or the information to identify in association with the vehicle a circumstance that satisfies criteria for facilitating, controlling, or initiating an action or a process involving one or more of providing information, providing a notification, transferring funds, and issuing a ticket, a citation, a warning, or other communication. | 12-20-2012 |
20120323771 | Systems and methods for monitoring, managing, and facilitating transactions involving vehicles - A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a vehicle, at least one of the inputs and/or parameters identifying the vehicle or being associated with or established in association with the vehicle; and facilitating or initiating a process of charging an account depending upon the one or more inputs and/or parameters. | 12-20-2012 |
20120323772 | Systems and methods for monitoring, managing, and facilitating transactions involving vehicles - A method for monitoring, managing, and facilitating transactions involving a vehicle includes: accessing information including one or more inputs and/or parameters for a transaction involving a vehicle, at least one of the inputs and/or parameters identifying the vehicle or being associated with or established in association with the vehicle; and facilitating or initiating a process of charging an account depending upon the one or more inputs and/or parameters. | 12-20-2012 |
20120323773 | BIOMETRIC RISK MANAGEMENT - The present invention provides methods and systems for managing Risk by associating a biometric profile with other data relevant to a Risk subject. Computerized systems can receive informational data that relates generally to Risk variables and relate the information to known biometric profiles. Compiled information can be situated and conveyed to a compliance department and be able to demonstrate to regulators that a financial institution has met standards relating to Risk containment. | 12-20-2012 |
20120330822 | SYSTEM AND METHOD FOR SOCIAL RECRUITING - A system for social recruiting including an employment system server including a user database, where the user database includes a recruiter profile and a job seeker profile, and a recruiter network for the recruiter profile includes the recruiter profile associated with the job seeker profile. | 12-27-2012 |
20120330823 | SYSTEMS AND METHODS TO PROVIDE ACCESS CONTROL VIA MOBILE PHONES - Systems and methods are provided to allow parental control via mobile communications. In one aspect, a system includes a data storage facility to store data associating a phone number with information indicative of an age of a user of the phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of controllers. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. The common format processor is to use one converter of the converters to communicate with a telephonic apparatus at the phone number to obtain parental consent, in response to a request from a third party website, such as a social networking website. | 12-27-2012 |
20120330824 | CASH RETRIEVAL USING PAYMENT PROVIDER - A payment provider receives a request from a sender to send cash to a recipient, where the request includes an identifier, such as a phone number, of the recipient and an amount to send. If the request can be approved, the payment provider generates a one-time code associated with the request and transmits the code to the recipient. The recipient is then able to enter, present, or otherwise communicate the code to a cash dispenser (such as an ATM, kiosk, clerk or teller), which then communicates the code and other needed information to the payment provider. If approved, the cash dispenser can give the cash to the recipient. Both sender and recipient are not required to have accounts with the payment provider or a bank. | 12-27-2012 |
20120330825 | PROCESSING A PURCHASE TRANSACTION BASED ON DIFFERENT PAYMENT METHODS - A computer-implemented method for processing a purchase transaction initiated by a user including receiving a credit card transaction involving a financial product, processing the credit card transaction, and choosing a form of payment for the credit card transaction based on a preset rule. | 12-27-2012 |
20120330826 | Virtual accounts linked to financial accounts - Virtual accounts having alphanumeric identifiers different from an alphanumeric identifier of a financial account are linked to the financial account. Financial transactions performed in relation to the virtual accounts result in changing the current value of the financial account. The virtual accounts themselves do not have a current value apart from a current value of the financial account to which the virtual accounts are linked. Performance of the financial transactions in relation to the virtual accounts does not expose the alphanumeric identifier of the financial account that would otherwise be exposed if the financial transactions were performed in relation to the financial account. A given financial account is also linked to another financial account. Performance of a financial transaction in relation to this given virtual account thus results in changing the current value of one of the financial accounts to which it is linked. | 12-27-2012 |
20120330827 | METHOD AND SYSTEM TO ACCEPT AND SETTLE TRANSACTION PAYMENTS FOR AN UNBANKED CONSUMER - A system and method is provided to accept and settle transaction payments for a consumer. The consumer initiates a transaction with a merchant, and the merchant transmits transaction information to a central processing unit using an initiating processing unit. The central processing unit generates a unique transaction identifier. The system may provide the merchant and consumer the nearest payment processing unit. At the payment processing unit, the consumer presents the unique transaction identifier, which is transmitted to the central processing unit for validation. The consumer makes payment at the payment processing unit, and the payment information is transmitted to the central processing unit. The system remits the payment to the merchant. | 12-27-2012 |
20130006847 | Mixed Mode Transaction Protocol - As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumer's mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode. | 01-03-2013 |
20130006848 | METHOD OF VIRTUAL TRANSACTION USING MOBILE ELECTRONIC DEVICES OR FIXED ELECTRONIC DEVICES OR A COMBINATION OF BOTH, FOR GLOBAL COMMERCIAL OR NONCOMMERCIAL PURPOSES - A payment system that enables parties to conduct financial transaction between person to person, person to business, business to business, person to a group of people, group of people to a person etc. (collectively called users) using mobile and non-mobile interfaces for online and physical points of transaction. The system also enables users to share funds between each other. Shared funds are accessible by the beneficiary user as if the funds are available in his/her account. However, when the shared funds are selected to make a payment, the funds are debited from the benefactor's account up to the set limits. The system prevents the exposure of critical account information between users while sharing or paying, to prevent fraudulent activities. In addition, the system enables users to seamlessly verify each other's identity prior to executing transaction. The system allows for real time transaction between parties, without limitations on proximity. | 01-03-2013 |
20130006849 | LOCATION BASED SERVICES - A mobile device, comprising a Bluetooth system capable of establishing wireless Bluetooth communications, and also receiving Wi-Fi and/or GPS signals; an NFC communication system capable of establishing wireless NFC communications with a remote NFC device; and a processing system in communication with the Bluetooth system and the NFC system, the processing system configured to determine the location of the mobile device and conduct transactions utilising the NFC system. | 01-03-2013 |
20130006850 | Fast Cash Transactions (FCT) - A Fast Cash Transaction System is provided enabling financial transactions among individuals and business entities including usage of Letter of Credit, whereas electronic and mobile communication devices enable transactions without the need for a credit card or bank relationship. | 01-03-2013 |
20130006851 | COMPUTER-IMPLEMENTED HIERARCHICAL REVENUE MODEL TO MANAGE REVENUE ALLOCATIONS AMONG DERIVED PRODUCT DEVELOPERS IN A NETWORKED SYSTEM - A computer-implemented hierarchical revenue model to manage revenue allocations among derived product developers in a networked system is disclosed. The model includes providing a first revenue value associated with a first digital component, providing a second revenue value associated with a second digital component, and combining the first revenue value with a second revenue value to produce a third revenue value associated with the second digital component, the second digital component including at least a portion of the first digital component. | 01-03-2013 |
20130006852 | System and Method for Licensing Software - A system and method for licensing software using a clearinghouse to license only the technology modules that an end user registers. The clearinghouse maintains registration information which can be used to bill a software provider for the technology licensed to the end user. The system can be used to compensate technology owners only after the end user registers an unlicensed technology module. Thus, the system and method allows software vendors to reduce costs by licensing only the technologies that an end user actually uses. The clearinghouse can also be used to track the usage of software functionality to determine the popularity of a particular technology. | 01-03-2013 |
20130013490 | MOBILE APPARATUS WITH BACK-UP PAYMENT SYSTEM - Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device via a back-up payment module that is attached to the mobile device. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal by establishing physical contact between the back-up payment module and the payment terminal. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal when one or more other methods of making a payment via a mobile device are unavailable. | 01-10-2013 |
20130013491 | SYSTEM AND METHOD FOR DETECTING AND MITIGATING DUPLICATE TRANSACTION FRAUD - A method and system for reducing fraud by detecting duplicate financial transactions in a financial transaction processing system. In various embodiments, financial institutions can be alerted when a financial instrument such as a check is being tendered for deposit, wherein a previous deposit for that same instrument had previously been submitted at the same or a different financial institution. The system and method provide for detection of deposits of checks after remote deposit of the same check had been previously performed (for example by submitting a digital image of the check). Deposit of duplicate counterfeit paper checks issued to multiple parties can also be detected and mitigated. | 01-10-2013 |
20130013492 | METHOD AND SYSTEM FOR REFUNDS AND/OR CREDITS RESPONSIVE TO CONSUMER DISSATISFACTION WITH SOFTWARE DOWNLOADS - A method for providing buyer protection for purchased software includes receiving input, from an input device, to initialize buyer protection applicable to purchased software and providing the purchased software to the input device. The method also includes processing payment, by a processor, of a fee for a return of the purchased software, determining that a request for return of purchased software has been received from the input device, and approving the return of the purchased software. By the processor, the method also encompasses steps of at least one of returning, as a refund, at least a portion of a price paid for the purchased software or providing a credit against a future software purchase and at least one of disabling or removing the purchased software from the input device. | 01-10-2013 |
20130013493 | SYSTEMS AND METHODS FOR CONDUCTING TRANSACTIONS AND COMMUNICATIONS USING A TRUSTED THIRD PARTY - Systems and methods are provided for performing transactions and managing communications using a trusted third party. In one embodiment, a sender transfers an encrypted version of a file (such as a digitally encoded audio track, movie, document, or the like) to someone who wishes to receive it. The receiver computes a first hash of at least a portion of the encrypted data content, and sends the first hash to a third party configured to compare at least a portion of the first hash to at least a portion of a second hash. The receiver receives a file decryption key from the third party, and decrypts at least the portion of the received encrypted data content with the decryption key. In some cases, multiple hashes of the encrypted data content may be computed, each using a different portion of the encrypted data content. | 01-10-2013 |
20130013494 | PEER-TO-PEER AND GROUP FINANCIAL MANAGEMENT SYSTEMS AND METHODS - This relates to transferring funds from a payer to a payee in a electronic payment system. The electronic payment system includes a payment processor and an accounts database. The payment processor receives a payment request from the payer. The payment request includes information to identify the payee and a payment amount. An accounts database is accessed to determine if the accounts database includes an account associated with the payee. Based on a determination that the accounts database includes an account associated with the payee, an electronic message is sent from the payment processor to the payee, to notify the payee of the payment request. The accounts database is accessed to determine if the payee is identified as having a trusted relationship with the payer. | 01-10-2013 |
20130013495 | TRANSACTION INFORMATION ROUTING - Apparatus and methods for routing transaction information. The apparatus and methods may involve using receiving the transaction information; retrieving from computer readable memory: (a) a transaction information routing rule; and (b) transaction service provider information; and formulating routing information based on the transaction information, the transaction service provider information and the routing rule. The apparatus and methods may identify prospective recipients, among participants in a transaction, for receipt of the transaction information. | 01-10-2013 |
20130013496 | CONTENT MANAGEMENT APPARATUS - An apparatus is configured to provide a chart of content items to user devices. The apparatus is configured to enable individual users to temporarily access one or more content items listed in the chart. The apparatus includes a user device interface configured to communicate with user device applications and a permissions module configured to define user access permissions, including temporary user access permissions, relating to individual ones of the one or more items of content. The apparatus also provides a distribution module configured to implement permissions defined in the permission module in relation to user devices by making available one or more items of content listed in the chart to at least one user device application. | 01-10-2013 |
20130013497 | GLOBAL REMITTANCE PLATFORM - The invention provides a remittance platform in which an enterprise, such as Wells Fargo, serves as a remittance transfer agent, where the remittance function is integrated with a bank. The invention allows access to the remittance program by both account holders with the enterprise and persons who do not have an account with the enterprise. The person accessing the service may pick the remittance service they want and the country they want. However, the service is not anchored to a particular account and can therefore work with both bank partners and non-bank partners and account holders and non-account holders. Further, the system may be private-labeled. Additionally, the invention provides a mechanism that allows one to send money easily to other countries and it allows bank partners to participate in the program easily as well. This is possible because the enterprise provides all of the processing in an integrated fashion. | 01-10-2013 |
20130018778 | VIRTUAL GIFT CARD - A virtual gift credit system that automatically attaches gift credit to a payment account or vehicle of the gift recipient upon issuance of the gift credit is herein described. By attaching the gift credit amount to the recipient's payment account, subsequent purchases made using the payment account, and of the type associated with the gift credit, are automatically settled by applying the gift credit amount to the purchase amount. Further, the invention does not require gift recipients to share confidential account information with gift providers in order for the gift providers to bestow gift credit upon the gift recipients. Through the use of aliases, which serve to tie an identifier, such as a gift recipient's telephone number, email address or the like to a gift recipient's payment account, the invention does not require that the gift provider know any information about the financial accounts of the intended gift recipient. | 01-17-2013 |
20130018779 | ALIAS-BASED MERCHANT TRANSACTION SYSTEM - A system and method for using an alias to conduct financial transactions at a merchant is provided. The system and method allows a user to provide an alias identifying the user or a business in order to conduct transactions without needing to know or provide actual account numbers. Aliases are associated with users and businesses and can be linked to financial accounts of the user and business. When the method determines that the user is attempting to conduct a transaction using the alias, the method determines the account number associated with the alias and completes the transaction using the alias. The method may also evaluate the transaction to determine whether pre-determined rules are complied with and provide confirmation to the user that the transaction has completed. | 01-17-2013 |
20130018780 | M-COMMERCE VIRTUAL CASH SYSTEM, METHOD, AND APPARATUS - A virtual cash system, method, and apparatus has an account record containing a record of money amounts associated with a wireless device and a transmitter for wirelessly transmitting to the wireless device predetermined information from the account record. Cash amounts can be spent from the account record directly from the wireless device via information derived from the wireless device via a bar code on the display, a short range radio signal, a light beam, or the like. A different security code is generated for each account transaction for verification. | 01-17-2013 |
20130018781 | MERCHANT DATA CLEANSING IN CLEARING RECORD - A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content. | 01-17-2013 |
20130018782 | METHODS AND SYSTEMS FOR FACILITATING MOBILE DEVICE PAYMENTS USING CODES AND CASHBACK BUSINESS MODEL - Provided are methods and systems for facilitating mobile device payments using codes and cashback business model. Upon installation of an application on a mobile device, a customer may specify his payment information, which may include data on a credit/debit card or a bank checking account. Once the payment information has been specified, the customer may receive a unique code encoding his payment information. The customer may then start scanning product barcodes with his mobile device. To make payment for products, the unique code displayed on a screen of the customer mobile device may be scanned by a payment receiver mobile device. The payment receiver mobile device may further display customer records stored in a database of a payment processing system. Based on the customer records, the customer may be provided with various cashback opportunities, as well as credits and discounts. | 01-17-2013 |
20130018783 | Efficient Stored-Value Card Transactions - A method includes receiving a stored-value card transaction request from an access point. The stored-value card transaction request is associated with a package identification number, and the package identification number is associated with a plurality of stored-value cards. The method further includes generating a plurality of children transaction requests based on the stored-value card transaction request. The method further includes sending at least one of the plurality of children transaction requests to a first card party. The method further includes sending at least another of the plurality of children transaction requests to a second card party. The second card party may be the same or different from the first card party. | 01-17-2013 |
20130018784 | METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount. | 01-17-2013 |
20130024360 | System And Associated Method And Service For Providing A Platform That Allows For The Exchange Of Cash Between Members In A Mobile Environment - A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code. | 01-24-2013 |
20130024361 | CAPACITY CUSTOMIZATION FOR FRAUD FILTERING - A multi-stage filtering process and system for fraud detection is disclosed. The multi-stage filtering process allows for the ability to dynamically increase/decrease server capacity, as well as application capacity to support fraud detection activities. The system monitors the queues of the transactions being made using various channels, and responds by adjusting the server and application resources needed for performing pre-filtering on the transactions in the queues. The invention allows for the fraud detection systems to maintain the capacity necessary to examine, at some level, if one or more of the transactions being processed by a financial institution are potentially fraudulent. The capacity can be changed during times of high and low volumes, thus allowing the allocation of resources based on transaction volume, which reduces the computing, energy, labor, etc. costs associated with fraud detection systems without losing the ability to detect almost all of the fraudulent transactions occurring. | 01-24-2013 |
20130024362 | PROCESSING CODED DATA - A data processing system processes coded data having data fields representing a financial transaction involving currency conversion. A database contains data relating to beneficiaries of financial transactions and other criteria. A communications interface interfaces with a secure financial communications system. The data processing arrangement analyses the data fields of coded data received from the communications system, and identifies from the fields and data in the database whether or not the transaction complies with the said criteria thereby indicating whether the transaction is a candidate for currency conversion. If currency conversion is carried out data fields relating to the currency and value of the currency are changed. Data in data fields relating to the addressing of the coded data is changed to indicate the address of another data processing system. The coded data is transmitted via the secure communications system to the other data processing system. | 01-24-2013 |
20130024363 | PAYMENT APPARATUS AND METHOD - Techniques are provided for updating an offline parameter of a payment device having an online-capable application and a primarily offline application. The offline parameter can be a counter reflective of an offline spending balance. The same parameter can be shared between the applications, or cross-application visibility of the parameter can be provided. When a requirement to update the offline parameter is determined, the offline parameter can be updated substantially contemporaneously with an online transaction. The updates can be transparent to the user, allowing substantial duplication of the debit card and/or credit card experience with an offline payment device. | 01-24-2013 |
20130024364 | CONSUMER TRANSACTION LEASH CONTROL APPARATUSES, METHODS AND SYSTEMS - The Consumer Transaction Leash Control Apparatuses, Methods And Systems (“C-LEASH”) transform touchscreen inputs into a virtual wallet mobile application interface including payment control parameters configuration via C-LEASH components into transaction receipts/alerts. In one implementation, the C-LEASH provides, a transaction payment control processor-implemented method, comprising: obtaining, from a user device, payment control parameters via a user interface; storing the payment control parameters with an account; receiving a transaction payment request including payment account information and purchase information; retrieving the stored payment control parameters based on the payment account information; determining when the purchase information of the transaction payment request violates one or more of the stored payment control parameters; and suspending the transaction payment request and sending an alert message to the user device. | 01-24-2013 |
20130030986 | SYSTEMS AND METHODS FOR OFFLINE DELIVERY OF CONTENT AVAILABLE IN VOICE APPLICATIONS - Methods and arrangements for facilitating offline delivery of content available in voice applications. User access to a voice application is permitted, and the user is accorded a capability to select content in the voice application for offline delivery. The selected content is stored in a holding arrangement, and the selected content is availed for delivery to the user. | 01-31-2013 |
20130030987 | Paid Profile Personalization - In one embodiment, a system includes one or more computing systems that implement a social networking environment and are operable to provide paid profile personalization functions to users. In particular embodiments, the user may select one or more social networking objects to replace advertisements or other elements that are normally displayed to visitors of the user's profile page that are otherwise controlled by the social networking system. In particular embodiments, the user may edit elements on their profile page that are otherwise automatically generated and controlled in design and content by the social networking system. In particular embodiments, the user is billed on a recurring basis for profile personalization. | 01-31-2013 |
20130030988 | CHARITABLE DONATION OF PROCEEDS FROM RECYCLING ACTIVITY - Embodiments of the invention enable an organization to nominate itself to receive proceeds from consumer recycling activity. For example, some embodiments enable an organization to request that an account be established to which proceeds from recycling activity are to be directed. Upon the account being established, the organization may be provided with a set of receptacles (e.g., beverage container collection bags), which the organization may hand out to potential donors. Each receptacle may include an identifier that allows the account to be identified. Donors may collect recyclable beverage containers in his/her receptacle over time, and bring the receptacle to a return center when it becomes full, at a designated time (e.g., to meet a suggested deadline set by the organization), or at any other suitable time. The recyclable containers in the receptacle may be processed, and a value to be provided in exchange for the containers may be determined. Some or all of that value may be deposited to the organization's account, rather than being provided to the consumer. | 01-31-2013 |
20130030989 | ELECTRONIC CREDENTIALS VERIFICATION AND MANAGEMENT SYSTEM - A credentials record system that captures personnel background data, such as license information, education and training, work experience, performance data and electronic signature at the time of entry using graphical user interfaces through a network, wherein it permits instant, sophisticated analysis of background data to identify relationships among the data, including archived data and includes the capability to access reference databases for consultation regarding verification of data for accuracy on a continuous basis. The system also provides for an automated auditing process to ensure data integrity and includes the capability to incorporate legacy data, such as paper files and mainframe data, for each personnel record. | 01-31-2013 |
20130030990 | Method of preventing disaster induced data loss - A cost effective method of preventing disaster induced data loss in digital data storage devices without requiring the use of a data backup service is provided. A fire resistant and water resistant digital data storage device is sold by a manufacturer to a customer wherein the customer pays an upfront payment competitive with the cost of a digital data storage device that is not fire or water resistant. A portion of the purchase price is allocated to monthly payments to be paid by the customer to the manufacturer for a data recovery service if the device is damaged by fire or water; monthly payments for the recovery service being competitive with the cost of a backup service. | 01-31-2013 |
20130030991 | TELECOMMUNICATIONS INITIATED PAY PER CHARGE SYSTEM - A system and method for recharging a battery of a mobile device for a fee authorized by a financial account control server can include a battery recharging station having at least one recharging connection for a mobile device. The battery recharging station can be in communication with an electronic data connection for selective activation and deactivation of power supplied to the at least one recharging connection for recharging a battery of a mobile device. A recharging service control server can be operable to remotely control activation and deactivation of power supplied to the at least one recharging connection located at the battery recharging station through the electronic data connection in response to receipt of communication from the financial account control server regarding validation and acceptance of payment by a user of the battery recharging station. | 01-31-2013 |
20130030992 | Automatic Savings Program - A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person. | 01-31-2013 |
20130030993 | SYSTEMS AND METHODS FOR MANAGING RISK IN BANKING TRANSACTIONS - Systems and methods of monitoring the risk exposure to a financial institution comprising the steps of receiving transaction data associated with an underlying financial transaction involving an account maintained at a financial institution and an originator of the underlying financial transaction; comparing the characteristics of the underlying financial transaction with one or more preset risk profile criteria; determining an updated risk exposure rating responsive to the failure of any one of the characteristics associated with the underlying financial transaction to satisfy any one preset criterion of the one or more preset risk profile criteria; and transmitting a notification responsive to the determination of the updated risk exposure rating. | 01-31-2013 |
20130036043 | IMAGE-BASED PRODUCT MAPPING - Methods, systems, computer-readable media, and apparatuses for image-based product mapping are presented. In some embodiments, a server computer may receive, from a first computing device, a first image and information identifying a first location at which the first image was captured. The first image may include a first product. Subsequently, the server computer may receive, from a second computing device, a second image and information identifying a second location at which the second image was captured. The second image may include a second product, and the second location may be different from the first location. The server computer then may analyze the first image to identify the first product and the second image to identify the second product. Thereafter, the server computer may store, in at least one database, first information associating the first product with the first location, and second information associating the second product with the second location. | 02-07-2013 |
20130036044 | COMMUNICATION DEVICE FOR CONTACTING A BUSINESS - A communication device for contacting a business is provided. The device can be a stand-alone communication device that is capable of connecting to a business over a wireless network. The device includes a microphone, a speaker, a single control to activate the device, and contact information related to a business. Once activated, the device utilizes the contact information and connects to the business to facilitate communication between the business and a consumer who activates the device. The speaker and microphone allow the user to communicate and relay information through the communication device. The device may further contain a means to collect payment information and transmit that information to the business entity for automatic billing. | 02-07-2013 |
20130036045 | Systems and Methods Involving Processing of Payments Using Handheld Devices - Embodiments of the invention provide systems and methods for allowing merchants to perform remote credit card transactions by facilitating non-CNP transactions via a package delivery service. A non-CNP transaction includes a credit card transaction where the card is physically presented to the merchant and a receipt may be signed. Various embodiments may also include transactions in which an imprint of the card is taken. | 02-07-2013 |
20130041808 | DISTRIBUTED MEDIA ACCESS - Delivering dynamic media content to a client on a client device. The method includes storing segments at a series of data server units; delivering to a client a playlist indicating the playback order, wherein the playlist is configured to be natively processed by the client, whereby the native processing directs the client to: initiate requests for the individual segments to corresponding data server units according to the playback order; download the respective individual segments from the corresponding data server units according to the playback order; and render the respective individual segments according to the playback order so as to render a reconstitution of the dynamic media content; sending each respective individual segment from its respective data server unit to the client device according to a playback order of the playlist. The system includes dynamically scalable architecture for delivery of real-time video packet data sent over a communication network. | 02-14-2013 |
20130041809 | MONEY HANDLING APPARATUS, MONEY MANAGING SYSTEM, AND MONEY MANAGING METHOD - The present disclosure relates to a money handling apparatus including: a money storage unit configured to store money; a locking unit configured to limit access to the money storage unit; and a control unit configured to give unlock permission to unlock the locking unit to at least one of a plurality of qualified persons who are qualified to unlock the locking unit, and to perform a process involving change of the qualified person. | 02-14-2013 |
20130041810 | PAYROLL SYSTEM TO FACILITATE EMPLOYEE BUDGET CONTROL AND METHODS THEREOF - Embodiments of the present invention generally relate to a system for administering and managing an employee's compensation by virtue of enabling the employee to implement measures to create a budget and implement such budget through controlled distribution of the employee's compensation. In one embodiment, the method comprises: receiving employee data regarding the employee's compensation from an employer, the employee data comprising an employer pay schedule and an ordinary pay amount each pay period of the pay schedule; enabling the employee to create a customized periodic payment plan; and managing implementation of the customized periodic payment plan, whereby the employee is compensated based on the customized pay schedule at a modified pay amount for each pay period of the customized pay schedule. | 02-14-2013 |
20130041811 | UNIFIED PAYMENT SERVICE - A method for unified payment includes identifying a unified account, determining a cash value source of the unified account, determining a non-cash value source of the unified account, and presenting a combined value of the cash value source and the non-cash value source. The combined value is expressed in terms of cash. | 02-14-2013 |
20130041812 | METHOD AND SECURE DEVICE FOR PERFORMING A SECURE TRANSACTION WITH A TERMINAL - A method for performing a secure transaction between a secure device ( | 02-14-2013 |
20130041813 | METHOD FOR PERFORMING MULTI-PAYMENT USING MULTIPLE PAYMENT MEANS, DEVICE FOR PERFORMING MULTI-PAYMENT, AND PROGRAM FOR PERFORMING MULTI-PAYMENT - One settlement is made with multiple settlement units. A user-selected settlement unit, at least one settlement price allocated to each settlement unit and a usage ratio allocated to each settlement unit, and a total price to be settled are received from a site. Credit processing is performed for each price obtained by allocating the total price to the settlement unit using the usage ratio or for each settlement price allocated to each settlement unit. Sales determination processing is performed for each price obtained by allocating the total price to the settlement unit using the usage ratio or for each settlement price allocated to each settlement unit. A message indicating settlement completion is transmitted to the site. In the first and second settlements, when all credit processing and sales determination processing can be performed within the multi-settlement apparatus, the processing is so performed, otherwise, an external unit is requested. | 02-14-2013 |
20130041814 | Method for Issuing and Managing Debit Gift Card Accounts - A method for generating and managing debit gift card accounts and facilitating the processing of gift card payments through a debit process. The method involves associating a gift card with a purchaser and transferring any unused residual balance to the purchaser following card expiration or other triggering event. | 02-14-2013 |
20130046679 | JOINT PAYMENT - Methods and systems for facilitating various e-commerce joint payment scenarios are provided. According to one embodiment, a computer system of a communication service provider receives payment information from a first member of a caregroup that shall serve as a primarily responsible individual for periodic service fees associated with communication services provided by the communication service provider to a digital mailbox appliance of a second member of the caregroup. Responsive to a request by the primarily responsible individual, the computer system enables the periodic service fees to be shared by other members of the caregroup by allowing one or more of the other members of the caregroup to commit to payment of a portion of the periodic service fees as secondarily responsible individuals. | 02-21-2013 |
20130046680 | ALLOCATING RESEARCH FUNDING - Allocation of research funding is based on changes to sizes of resource clusters. Each resource cluster is composed of a set of researchers devoted to a single aspect of a research field. A size change to a specific resource cluster indicates a change to a level of activities associated with a corresponding specific aspect of the research field. In response to identifying an under-attended aspect of the research field caused by the change in sizes of the resource clusters, a recommendation is issued to allocate additional funding for research to the under-attended aspect of the research field. | 02-21-2013 |
20130046681 | METHOD OF IMPROVING HIGHWAY SAFETY BY DETERRING SPEEDING - Method and means of deterring speeding are disclosed. A plurality of detection devices positioned along a road detect a transmission device mounted in a vehicle as it passes in proximity to the detection devices. Each transmission device is identifiable to a registered user via an identifier unique to the transmission device. When a vehicle carrying a transmission device passes a detection device, the unique identifier and the time of the vehicle's passing are stored. Known distances between the plurality of detection devices enable calculation of average speed of the vehicle using the time stamps of the vehicle's passing between any two detection devices. If the vehicle's average speed exceeds an acceptable speed for that portion of road, the registered user is notified, thereby deterring future speeding. A fine can be deducted from an account associated with the registered user or the registered user's transmission device. | 02-21-2013 |
20130046682 | ELECTRONIC CLEARING AND PAYMENT SYSTEM - A computer-implemented method for online payment, comprising the steps: receiving a business object comprising an instruction by a user to transfer a payment amount from a first account to a second account; debiting the payment amount to the first account; crediting the payment amount to the second account; after the payment amount has been credited to the second account and debited to the first account, generating a message indicating that the transaction has been completed; characterized in that the steps of debiting, crediting, and generating are executed in quasi-synchrony. | 02-21-2013 |
20130046683 | SYSTEMS AND METHODS FOR MONITORING AND ENFORCING COMPLIANCE WITH RULES AND REGULATIONS IN LEAD GENERATION - Systems and methods are provided to generate leads for an organization that comply with the organizations rules and regulations. Leads originate from a network of marketing partners of a leads generating service. The web assets of the marketing partners are periodically, or continuously, monitored to insure that such web assets have required content and/or do not contain objectionable content. Over time, marketing partners who are consistently comply with an organizations rules and regulations earn the status of trusted marketing partners and leads originating from such partners are highly valued. | 02-21-2013 |
20130046684 | Apparatuses, Methods and Systems for a Trackable Virtual Currencies Platform - Method for detecting fraud includes receiving a fraud alert. The fraud alert is investigated by analyzing social graph information and other available information of one or more users associated with the fraud alert to determine likelihood of the users being involved in fraud. When it is determined that a fraud was committed based on the analysis, chain of fraudulent transactions related to the fraud are reversed and fraud events data related to the fraud are updated into a fraud event database for subsequent analysis. | 02-21-2013 |
20130046685 | TIME-EFFICIENT AND DETERMINISTIC ADAPTIVE SCORE CALIBRATION TECHNIQUES FOR MAINTAINING A PREDEFINED SCORE DISTRIBUTION - A number of memory spaces are defined for a memory structure. Transaction data is received, and financial transactions are scored based on the transaction data to generate a batch of scores for the financial transactions. A score range is divided into k bins, each of the k bins representing one memory space of the memory spaces of the memory structure. The batch of scores are aggregated by storing a count of each score in a memory space, and a percentile is computed for each score in the batch of scores based on a set of values associated with each score. Each new financial transaction is scored to generate a new score, and a new percentile is assigned to the new score according to the set of values. The new percentile is then translated to a calibration score with fixed percentile characteristics according to a fixed reference curve. | 02-21-2013 |
20130054448 | PAYMENT PROCESSING INFORMATION SYSTEM - A system and method for a payment processing information system is disclosed. In particular embodiments, a method for repairing payment processes of a financial institution includes receiving a first payment processing information associated with a first geographic region at a hardware processor. The method also includes receiving a second payment processing information associated with a second geographic region at the hardware processor. The method further includes receiving a request for payment processing information from a payment processor. Additionally, the method includes determining whether the payment processor is associated with a selected one of the first geographic region and the second geographic region and based on the determination, facilitating repair of a failed payment process. | 02-28-2013 |
20130054449 | System for Allocating and Managing Contributions to Account Categories - According to some embodiments, an account management system comprises a processor coupled to a memory. The memory is operable to store account information associated with an account. The processor is operable to communicate to a potential contributor a link to a webpage, wherein the webpage comprises account information identifying the account and request information identifying an amount of a funds request, the beneficiary of the account, and a purpose for the funds request. The processor is operable to receive a response to the funds request indicating an outcome of the funds request and manage the account based on the outcome of the funds request. | 02-28-2013 |
20130054450 | Monetization of Atomized Content - A system for monetizing content is disclosed. | 02-28-2013 |
20130060678 | ELECTRONIC PAYMENT SYSTEMS AND SUPPORTING METHODS AND DEVICES - Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations. | 03-07-2013 |
20130060679 | THIRD-PARTY PAYMENTS FOR ELECTRONIC COMMERCE - Providing for third-party payments for mobile electronic commerce is described herein. By way of example, an electronic transaction initiated at a first subscriber account can be funded at least in part from a second subscriber account. Particularly, the first subscriber account associated with a mobile terminal can select an item for purchase with a content browsing application on the first mobile terminal. A request for payment can be sent from the first mobile terminal to a second mobile terminal, associated with the second subscriber account. Funds transferred from the second mobile terminal to a banking account associated with the first mobile terminal can then be utilized to purchase the item and complete the electronic transaction. In an aspect, information pertaining to respective accounts can be masked from respective subscribers to provide financial privacy in conjunction with third party financing of electronic commerce. | 03-07-2013 |
20130060680 | FUNDS MANAGEMENT SYSTEMS AND METHODS - Described herein are systems, methods, and articles of manufacture that establish services that facilitate funds management. These services can manage multiple accounts of different types for the same user (either payer or payee). The services can also link a payee account and a payer account to establish electronic funds transfers and other transactions. The services can also facilitate the establishment of an electronic funds transfer through enabling a search for either a payee or a payer according to a criterion. | 03-07-2013 |
20130060681 | SETTLEMENT AND REMITTANCE-PROCESSING METHOD OF VIRTUAL MONEY, SETTLEMENT AND REMITTANCE-PROCESSING SYSTEM, AND SETTLEMENT AND REMITTANCE-PROCESSING PROGRAM - Provided is a settlement and remittance-processing method, wherein processing that involves transfer of virtual money, such as settlement or remittance, is achieved with a single system. A virtual money management apparatus includes an account management storage section which stores a value of the virtual money owned by the users and company; an account management function section which includes virtual money accounts for each of the users and company and associates the virtual money accounts with the virtual money stored in the account management storage section to manage virtual money using the virtual money accounts; and a settlement/remittance management function section which receives designation of the user or company which is to be a transfer destination of the virtual money, specifies a virtual money account associated with the designated user or company by using the account management function section, and transfers the virtual money to the specified virtual money account. | 03-07-2013 |
20130060682 | METHOD FOR MANAGING PAYMENT MEANS OVER A NETWORK USING ELECTRONIC WALLET, PAYMENT MEANS MANAGEMENT DEVICE, AND PAYMENT MEANS MANAGEMENT PROGRAM - The need for input and transmission of information necessary for settlement each time accounts are settled is eliminated. Necessary information to settle accounts by using a payment system is received from a terminal used by a user and stored. The received information and the payment system using the information are tied and managed for each user. When settlement processing of a certain user is requested from a business operator site, the payment systems that can be used by the certain user are identified by using an account management function unit and the settlement processing by the selected payment system is performed by using the necessary information tied to the payment system selected by the certain user from among the identified payment systems. | 03-07-2013 |
20130066768 | System and method for providing a web-based service for users within a social network to engage in monetary transactions via a collective investment trust - This document proposes a system and method whereby users within a social network infrastructure can engage in monetary transactions with other users through the use of a collective investment trust. The system relies on a two-level prerequisite basis, the successful fulfillment of which deems a user of a social network a serviceable end-user. The invention links the end-users' social network(s) to an electronic transaction service. The successful conjoining of which allows said end-user to create or participate in a collective investment trust. Furthermore, a collective investment trust is not exclusively constrained to a single social network; it can be available to one or all serviceable social network(s) at the end-user's behest. | 03-14-2013 |
20130066769 | METHODS OF DISTRIBUTED INTERVIEWING - A distributed work force of selected candidate evaluators is used to quickly and efficiently provide multiple evaluations of a candidate for a skill position. Candidate information is provided to multiple candidate evaluators in a distributed work force. Review information is received from the multiple candidate evaluators comprising an evaluation score for one or more candidate attributes and a ranking is generated for the candidate relative to other candidates for the skill position based on the received review information. | 03-14-2013 |
20130066770 | Multi Tenancy For Single Tenancy Applications - A mechanism is provided for deploying software applications in a cloud computing environment. An administrator is provided an interface for allowing a software application that is designed for a single tenant to be used by a plurality of users. An aspect of the invention is to provide a mechanism for quickly and easily giving multi-user qualities to a single tenant application like autoCAD. As such, multiple users can access the application without the need to download and install a version locally on their system. The system is able to determine the period of time for which an application is in use for a given user, because every application is run on a resource that is part of the cloud environment. Therefore, it is possible for the application provider to charge for the application in a usage-based model—e.g. by the hour, or day—without any re-engineering of the existing application. | 03-14-2013 |
20130066771 | Systems and Methods to Configure Data for Diverse Services - A computing apparatus includes: a transaction handler configured to process payment transactions; a data warehouse coupled with the transaction handler to store transaction data recording the payment transactions processed by the transaction handler; and a portal coupled with the data warehouse to store non-transaction data associated with the transaction data. The portal is further configured to receive input from account holders to specify personalization data and to store the personalization data in the data warehouse to tag the non-transaction data. The personalization data controls the access to the non-transaction data tagged with the personalization data. | 03-14-2013 |
20130066772 | MULTI-FACTOR AND MULTI-CHANNEL ID AUTHENTICATION AND TRANSACTION CONTROL AND MULTI-OPTION PAYMENT SYSTEM AND METHOD - The present disclosure provides a multi-option system and method for payment of selected item from a merchant. A purchaser selects a payment option through an electronic device. A payment message indicating the selected payment option and the purchaser's account information associated with the selected payment option is sent to a payment portal. The payment portal selects a suitable participating entity based on the selected payment option and sends the purchaser's account information to the selected participating entity. The participating entity authenticates the purchaser's account and generates an instruction message based on the result of the authentication. The portal receives the instruction message and sends the same to a server of the merchant. | 03-14-2013 |
20130073447 | FUNDING SYSTEM FOR VERIFIED FUNDS TRANSFER IN A GAMING ENVIRONMENT - A funding system for gaming establishments provides verified fund transfers from a player's personal account to the gaming establishments. The funding system may utilize a funding account for holding player funds and a player tracking account. The funding account may be owned by the player and receive funds from the player's personal accounts. Fund transfers between the funding account and a gaming establishment may be verified in a verification process comprising one or more verification steps. This reduces or eliminates unauthorized or unintended fund transfers. The funding system may associate a player's funding account with the player's player tracking account. In this manner, a player may utilize a player tracking card to transfer funds between his or her funding account and a gaming establishment. | 03-21-2013 |
20130073448 | One-Click Offline Buying - Contactless payment transactions are initiated through single input activation of a mobile device's secure element and contactless communication system. Activation of the secure element and the contactless communication system is coupled to the activation status of the mobile device's screen. Activation of the secure element may be further coupled to the activation status of an electronic wallet application. Where activation of the electronic wallet application is required, one-click activation of the electronic wallet application and secure element is provided. | 03-21-2013 |
20130073449 | SYNCHRONIZING DIGITAL CONTENT - Aspects of the present disclosure relate to one or more configured computing systems identifying when decoupled content includes a companion content pair (e.g., a first content and a second content) that can be synchronously or interchangeably presented. Further, aspects of the present disclosure relate to notifying a user of the availability of companion content. Notifications can be displayed to a user at any number of notifications triggers that indicate the user may be interested in acquiring companion content. Further, notifications may correspond to an offer to acquire at least a portion of companion content, such as a trial of the companion content. If a user accepts such an offer, synchronization information may be used to begin presentation of the companion content from a last consumed position of a corresponding first content. | 03-21-2013 |
20130073450 | System and Method for Facilitating Resource Conservation - A system and method for facilitating and incentivizing resource conservation. A monitoring module generates data regarding consumption of energy or other resources by one or more devices. A processing module automatically compares the resource usage data to a baseline, and determines a direct cost savings based on the comparison, optionally along with indirect value based on tax shelter value, investment, carbon offset credits, and the like. Based on this, a financial module automatically directs money to a set of financial instruments. A feedback module provides a user with indications of resource usage data, monetary value, and status of the set of financial instruments. A database configured for accumulating information related to device resource consumption, device performance, and device-related context is also provided. | 03-21-2013 |
20130073451 | SYSTEM AND METHOD FOR PROVIDING BALANCE TRANSFERS - Techniques for providing balance transfers are disclosed. In one exemplary embodiment, the techniques may be realized in a system or computer-implemented method for providing a balance transfer offer to a customer. The customer may initiate the balance transfer by acquiring existing account balance information and providing the account balance information to an application. The customer may take a photograph of an existing account statement with a mobile device, and data from the existing account statement may be extracted and automatically provided to a balance transfer application. The customer may then verify certain customer information, be presented with balance transfer options, and confirm that the customer would like to complete the balance transfer. | 03-21-2013 |
20130073452 | SYSTEM AND METHOD FOR PROVIDING ACCESS TO REMOTELY STORED DIGITAL MEDIA USING AN RSS FEED - A system and method for providing digital media content involves use of custom URIs, disguised as URLs, provided as media enclosures in an RSS feed, for the purpose of redirecting requests for digital media content from a customer computer to an intermediate transaction server. The transaction server intercepts the custom URI containing customer, item, price and/or other relevant information to translate the file request into a transaction record and serve up the appropriate file, possibly from a remote merchant site, for the request and customer. When the transaction server receives a request for the custom URI, it parses it according to pre-defined rules and serves the appropriate file to the requester and records the transaction. This approach can be used to aggregate small transactions of digital content. Customers have a revolving account with the transaction server and can aggregate purchases from multiple merchants via RSS delivery up to preset limits. | 03-21-2013 |
20130073453 | CONDITIONAL BALANCE MANAGEMENT FOR NON-ISSUER DEBIT INSTRUMENTS - A computer receives information about a debit account controlled by a third-party issuer, a user owing the account and instructions for managing the account after a specified trigger date. Operating according the instructions, an unknown remaining balance in the account may be exhausted after the trigger date has passed, using a sequence of charges responsive to the initial balance, to the last charge amount completed or attempted, and to whether or not the last charge amount is accepted. In the alternative, or in addition, the account may be managed to convert the remaining balance to a non-monetary coupon (e.g., “virtual currency”) for use in an online computer game or the like, after the trigger date. | 03-21-2013 |
20130073454 | Systems and Methods to Determine the Name of a Business Location Visited by a User of a Wireless Device and Process Payments - In general, the invention relates to methods and systems that record the location of a user and facilitate transactions between the user and a physical named location (e.g. business location) visited by the user. A network includes a server programmed with a database of location information, a database of user information, payment account information, and a wireless communication system capable of communicating with the user's mobile device. The location of the mobile device is ascertained and recorded. The system determines the physical named location (e.g. business location) visited by the user and provides a reference number to the user. An operator of the physical named location may use the reference number to obtain payment from the user for goods and services rendered at the physical named location. | 03-21-2013 |
20130080317 | Managing a universal payment account - To facilitate management of a universal payment account, it is determined whether a transaction occurs. Transaction information is received from a payment systems module if the transaction occurs, wherein the transaction information comprises a universal payment identifier associated with a universal payment account. A processor determines at least one payment rule based at least in part on the universal payment identifier, and the processor determines a financial account associated with the universal payment account based upon the at least one payment rule. The plurality of financial accounts are associated with the universal payment account and the determined financial account is used to process the transaction. The determined financial account is accessed to facilitate processing of the transaction. | 03-28-2013 |
20130080318 | SYSTEM AND METHOD FOR PROVIDING DISPUTE RESOLUTION FOR ELECTRONIC PAYMENT TRANSACTIONS - Described herein is partner-based method and device for resolving inquiries or disputes concerning a transaction between the customer and a merchant that is affiliated with a partner platform. For example, the method may involve receiving, at the partner platform, an inquiry/dispute event notification. The method may involve obtaining data points about the transaction and locating the transaction based on the data points. The method may involve refunding the transaction or canceling future or recurring charges associated with the transaction. | 03-28-2013 |
20130080319 | SYSTEMS AND METHODS FOR EMBEDDED VIRTUAL SHOPPING CARTS - Systems and methods for providing embedded payment functionality, such as a virtual shopping cart. In an embodiment, configuration data is received. The configuration data may comprise product data and up-sell data. A uniform resource locator (URL) that is associated with the configuration data is generated, and Hypertext Markup Language (HTML) code comprising the URL is generated. The HTML code is capable of being inserted or embedded within a HTML document. In addition, a plurality of user interfaces may be dynamically generated based on the configuration data. The plurality of user interfaces comprise a payment interface comprising inputs for payment information, and one or more up-sell interfaces comprising inputs for selecting one or more up-sell offers. | 03-28-2013 |
20130085927 | Providing Increased Ability To Perform A Transaction Based On Locale - A method and system is provided that allows a user to select a default currency to be used with the mobile device and associate it with the currency selector of the device. When using the mobile device for mobile payments in a locale with a different currency than the user's default or home currency, the user can actuate the currency selector to convert the currency amount to the default currency and easily determine the default equivalent currency. | 04-04-2013 |
20130085928 | VEHICLE INTEGRATED PAYMENT DEVICE - A payment device including a vehicle having a unique identifier associated therewith. The unique identifier is associated with and identifies a specific financial payment account to permit a payment transaction for the purchase of goods and/or services. | 04-04-2013 |
20130085929 | SYSTEMS AND METHODS FOR MANAGING AND MAKING PATENT ANNUITY PAYMENTS - Various embodiments of the present disclosure include systems and methods of making or managing annuity payments. In one example embodiment, a method comprises tracking one or more patent annuity payments due on at least one patent for a user and docketing a due date for at least one of the annuity payments. In advance of the due date, the method includes identifying the cost of a forward contract to obtain or purchase currency equal to a total amount payable of the at least one annuity payment and providing the cost of the forward contract to the user. | 04-04-2013 |
20130085930 | SYSTEM AND METHOD FOR PROCESSING GIFT CARDS BY INTERCEPTING A PURCHASING TRANSACTION - Disclosed herein is a method for enabling gift card recipients to redeem gift card amounts using existing payment accounts. A system identifies a giver and recipient of a gift card amount and associated accounts. A policy is established which governs how the gift card is redeemed, such as a specific merchant or item. When a purchase is made using an existing credit/debit card according to the policy, the system intercepts the purchase and causes the gift card amount to be applied from an account other than the recipient account. No special codes, separate physical gift cards, or printable coupons are necessary for redemption. The recipient makes purchases using their normal purchasing credit/debit card via a qualifying purchase according to the policy, and the gift card is applied automatically. The recipient credit/debit card becomes a combination of an open-looped card and a closed-loop card. Thus, no money is wasted or lost. | 04-04-2013 |
20130091052 | SYSTEMS AND METHODS FOR GENERATING NEW ACCOUNTS WITH A FINANCIAL INSTITUTION - Systems, methods and computer programming for evaluating users applying for a new account with a financial institution, and generating the new account online, are described. The request, identity information and geographic information are received by the financial institution over a network from the user, and confidence scores are generated and evaluated by the financial institution. If a temporary limited account is approved for generation, then an online transfer of funds from an existing account with another financial institution is initiated and completed by to complete the new account generation. | 04-11-2013 |
20130091053 | APPARATUS FOR PROVIDING SERVICE LINKING CLOSED USER GROUPS BASED ON SMART TELEVISION AND SMART SET-TOP BOX - Provided is an apparatus for providing a service that links closed user groups (CUGs) based on a smart TV and a smart set-top box. A server may provide at least one application (app) store: The app store may register apps provided by developers, and may provide the registered apps to users of a CUG. The app retriever may provide a result of inquiry and retrieval performed with respect to apps registered in the at least one app store, to a terminal that performs the inquiry and retrieval. The terminal distributed for a predetermined CUG service may use apps associated with varied CUG services through the server. | 04-11-2013 |
20130091054 | DIGITAL DOWNLOADING JUKEBOX SYSTEM WITH USER-TAILORED MUSIC MANAGEMENT, COMMUNICATIONS, AND OTHER TOOLS - A digital downloading jukebox system including a mechanism for delivering custom services to a recognized user, including services for creating playlists, communicating with others, accessing other features, etc. is provided. In some exemplary embodiments, after a user is recognized, the jukebox system allows users to access a special front-end via an Internet-enabled device or on an actual jukebox. Then, the user may, for example, create playlists, share songs with friends, send messages to friends, and access other value-added content. Such a system preferably learns about networks of friends, and enables managers to send similar messages to regular customers and/or others known to the system. In some exemplary embodiments, changes via a first user interface on a first device are reflected on second user interface on other properly-configured devices. | 04-11-2013 |
20130097072 | INFORMATION STORAGE DEVICE AND INFORMATION SERVICE SYSTEM - The present invention provides an information storage device includes a first storage unit stores an arbitrary information file transmitted via a wide area information network, a second storage unit stores an information file in a predetermined form, which is derived from the first storage unit, an information file determination unit determines whether or not the information file in the first storage unit is the information file in the predetermined form, a file conversion unit converts an information file into the predetermined form, and a storage management unit manages the information file, and stores in the second storage unit. In the information storage device, if a copy of the information file in the first storage unit is not in the predetermined form when the copy is stored in the second storage unit, the copy converted into the information file in the predetermined form, and stored in the second storage unit. | 04-18-2013 |
20130103574 | Payment Delegation Transaction Processing - Systems, methods, and computer-readable media for processing payment delegate transactions are provided. A transaction message associated with a payment instrument of a customer may be received by a payment processing service from a merchant. The payment processing service may determine when the payment instrument is not a payment delegate. When the payment instrument is not a payment delegate, the payment processing service may communicate a response to the merchant processor. When the payment instrument is a payment delegate, a message may be communicated to a funding source gateway and/or an indication that the payment instrument is a payment delegate may be communicated to at least one memory. | 04-25-2013 |
20130103575 | PRINTING FOR-PAY CONTENT - In one embodiment, an email communication is received via a network. The email communication includes a content identifier identifying for-pay content hosted at a provider computing system, a sender identifier identifying a sender of the communication, and a printer identifier identifying a network-connected printer. The sender identifier is compared to a database that associates sender identifiers with payment subscriptions authorizing printing of the content. Responsive to receipt of data indicating the sender identifier is associated with a payment subscription, the content is obtained from the provider system, rasterized, and sent to the printer for printing. | 04-25-2013 |
20130103576 | TRANSACTION MANAGEMENT SYSTEM AND METHOD - A method for managing a transaction includes receiving merchant information. Then a merchant account may be established with the merchant information. Consumer information may also be received whereby a consumer account may be established. The consumer and merchant may then be associated. Payment instructions may be received and the merchant account may be credited in the amount from the payment instructions. | 04-25-2013 |
20130103577 | SYSTEMS AND METHODS FOR OPTIMIZING FINANCIAL TRANSACTIONS - Systems, methods and computer-readable media for optimizing financial transactions are disclosed. Candidate source and target financial accounts may be respectively identified based on source and target identifiers. Respective candidate source payment networks configured to access each candidate source financial account and respective candidate target payment networks configured to access each candidate target financial account may be identified. Based at least in part on an analysis of one or more rules, a set of transaction options may be generated. Each transaction option may be associated with a particular combination of source and target financial accounts and payment networks and may further be associated with one or more transaction characteristics. Respective transaction options information associated with one or more of the transaction options may be transmitted and potentially presented to a financial transaction requestor. The requestor may be provided with a capability to indicate a selection of a transaction option for processing of a financial transaction. In other scenarios, an analysis of a set of transaction options may be performed based on a complete financial transaction request that includes a transaction amount. An indication of whether the financial transaction is executable may be transmitted, potentially for presentation to a financial transaction requestor. | 04-25-2013 |
20130103578 | ENHANCED CUSTOMER INTERACTION CHANNEL SYSTEMS AND METHODS - A computer-implemented method, a server, and a computer use an enhanced customer interaction channel based on a predetermined payment key associated with a specific company and location. The predetermined payment key uniquely identifies the specific company and location and enables the enhanced customer interaction channel based on existing payment processing systems. The specific company may use the enhanced customer interaction channel to reach customers who were previously unknown to the specific company for a variety of purposes such as rewards, coupons, offers, product information, and the like. | 04-25-2013 |
20130103579 | SYSTEM AND METHOD FOR COLLECTING AND DISBURSING ELECTRONIC GRATUITIES - The present invention relates to systems and methods for collecting and disbursing electronic gratuities. According to one embodiment, a device for submitting gratuities by credit card is provided at a place of business or other appropriate location. A method of using this device is disclosed, whereby consumers pay a predetermined or adjustable gratuity amount by inserting a credit card into the device. According to another embodiment, technological infrastructure is provided to transmit encrypted payment information such that the acquiring bank of the device provider obtains authorization for gratuity transactions conducted using the device. The acquiring bank is thus enabled to credit the device provider's merchant account or disbursal accounts with electronic gratuity payments less acquisition fees. According to another embodiment, a method of disbursing gratuity shares to employees of the business is provided, wherein processing fees are collected by the device provider. | 04-25-2013 |
20130110707 | METHODS, SOFTWARE AND DEVICES FOR FACILITATING FUNDRAISING EVENTS OVER THE INTERNET | 05-02-2013 |
20130110708 | APPARATUS AND METHOD OF COMPLETING PAYMENT DURING A TRANSACTION | 05-02-2013 |
20130110709 | METHOD OF SETTING PAYMENT OPTION PREFERENCES | 05-02-2013 |
20130110710 | SYSTEMS, METHODS AND COMPUTER PROGRAM PRODUCTS FOR INCENTIVIZING EFFICIENT ACQUISITION OF PATENT RIGHTS | 05-02-2013 |
20130110711 | Fund On Activation | 05-02-2013 |
20130117174 | REAL-TIME MICROFINANCE - Real-time microfinancing, in one aspect, concerns the fulfillment of a funding request in real time. The funding request is matched against a candidate set of funding providers based one or more criteria specified by the funding providers. The candidate set of funding providers are notified. The funds may be transferred from one or more accounts of one or more of the candidate set of funding providers to an account of the funding requester. | 05-09-2013 |
20130117175 | BAR CODED MONETARY TRANSACTION SYSTEM AND METHOD - An improved financial transaction device comprising bar-coded information incorporating one of a plurality of algorithmic signatures, the signature being configured to permit at least one party involved in a financial transaction to store pertinent data in a multi-organizational payment tracking database, wherein the signature comprises a payment tracking identifier capable of uniquely referencing a single financial transaction and some of the pertinent data. The transaction may correspond to a format signature which may be in the form of a unique pictographic image representing the arrangement of data on a financial device for comparison against a library or database of signatures for purposes of device recognition. | 05-09-2013 |
20130117176 | Key Box Apparatus - The present invention generally relates to key boxes, like those utilized in the real estate industry. Specifically, this invention relates to a key box apparatus configured to identify and validate a user's access to the contents of the key box via a verification module. Additionally, exemplary embodiments of the key box apparatus may be utilized to charge a fee for accessing the contents of the key box. | 05-09-2013 |
20130124395 | Systems And Methods For Disabling Recurring Charges - A system, a method, and a software product disable recurring charges incurred on an account of a user. A plurality of transactions that occurred within a predefined period for the account is received within a server. The transactions are analyzed to identify a recurring charge, which is indicated to the user. A delete button is displayed proximate the recurring charge and the recurring charge is cancelled if the user clicks on the delete button. | 05-16-2013 |
20130124396 | SYSTEM AND METHOD FOR UTILIZING A MOBILE DEVICE TO PURCHASE ONE OR MORE GOODS AND SERVICES - The present invention is a system to purchase one or more goods and services that includes one or more payment receiving apparatuses that include a distinctive product code, a mobile device with an input system to input purchasing data and a payment distribution application utilized to input purchasing data and a communications network that allows the mobile device to be in communication with the one or more payment receiving apparatuses. A payment is performed by the mobile device to purchase the goods and services provided by the one or more payment receiving apparatuses which are in communication with a user's monetary funds to transfer the user's monetary funds over the communications network to the payment receiving apparatus to purchase the goods and services. | 05-16-2013 |
20130124397 | COLLABORATIVE FIRST ORDER LOGIC SYSTEM WITH DYNAMIC ONTOLOGY - A collaborative first order logic system with dynamic ontology for example that enables collaborative discussion of documents, subjects associated within the documents, assertions about the subjects and theorems that utilize the assertions along with dynamic creation and association of two or more subjects that may represent the same thing. Enables geographical and temporal displays of assertions and opinions regarding the assertions. | 05-16-2013 |
20130124398 | MOBILE PLATFORM FOR EVENT REGISTRATION - Method and systems of registering participants for an event at an event site are disclosed. Identification data specific to a participant encoded on a first token object is read with a mobile computing device. A query is generated from the mobile computing device to a remote event registration system for prior registration data based upon at least a subset of the received identification data. The prior registration data is received on the mobile computing device. A first subset of the prior registration data is transmitted to a local event registration system, and a payment success indicator is received upon successful payment processing. Registrant identification data is generated by the local event registration system in response to recording the first subset of the prior registration data and the payment success indicator. | 05-16-2013 |
20130124399 | APPARATUS TO PROVIDE LIQUID FUNDS IN THE ONLINE AUCTION AND MARKETPLACE ENVIRONMENT - A method, apparatus, and computer readable storage to implement a lending system for use with electronic commerce web sites such as auction sites. A seller may receive a cash loan for items placed for sale but not yet purchased by a buyer. The seller can be required to pay back the loan after a predetermined amount of time or as soon as the item for sale is sold and payment is received from the buyer. The lender would charge interest or commission for the loan. In this manner, sellers can receive cash for items listed on auction sites before those items are actually sold, generating additional cash flow for the seller. | 05-16-2013 |
20130124400 | CLOUD COMPUTING OPERATING SYSTEM AND METHOD - A cloud computing operating system is described. The system, in one aspect, includes a plurality of core data structures ( | 05-16-2013 |
20130124401 | Internet-Based Group Cloud Management System - (GCMS) for Information Exchange Among Cloud Management System Sites - (CMS) (Systems and Methods) - System and Methods for implementing a Internet-Based Group Cloud Management System (GCMS) comprised by several Cloud Management System sites (CMS sites), where providing institutions, means for: A) The Creation of the Educational Group comprised by: A1) Community CMS sites for Campuses and/or Groups of Users, A2) Personal CMS Sites for each Faculty, Staff, Student and Alumnus, A3) Project CMS sites for each Project Team. B) Communication within the Educational Group: B1) Among CMS Sites, B2) to e-mail and text-messaging devices. The CMS sites are reachable by their own domain names or sub-domain from the GCMS, and by any search engine. Each CMS site is multi-user and includes its own security system, user-defined and predefined pages for among others, Professional Profile, Web Apps, Virtual Desktop/Apps and Web/Cloud Services. Each CMS site is connected to the GCMS, allowing the Exchange of Information among CMS sites within the GCMS and among GCMS sites. | 05-16-2013 |
20130124402 | INTERNET PACKAGE SHIPPING SYSTEMS AND METHODS - Systems and methods for shipping a package from a package sender to an intended recipient, utilizing Internet communications to place shipping orders, request on demand package pickup, maintain and utilize pre-stored profile information, view shipping history, track orders, etc. A package sender with an Internet-accessible computer accesses an Internet site and associated shipping system operated by a shipping service provider. The package sender enters information required for shipping the package, including shipping options and methods for payment, and the shipment transaction is validated. If the transaction is validated, printer indicia are communicated to the customer's computer, which is enabled to locally print a prepaid label containing special machine-readable as well as human-readable indicia. The shipping service provider acquires the package by drop-off, standard pickup or on call pickup, scans the machine readable indicia, verifies other indicia of authenticity, and processes the package in accordance with information encoded on the label. | 05-16-2013 |
20130124403 | Notification Systems and Methods Enabling Selection of Arrival or Departure Times of Tracked Mobile Things in Relation to Locations - Systems and methods are disclosed for automated notification systems. A representative method, among others, can be summarized as follows: engaging in a communication session with a personal communications device, based upon impending arrival or departure of one or more mobile things in relation to a location; during the communication session, providing a plurality of arrival or departure times in relation to a location and enabling selection of one of the times; and causing a mobile thing to arrive at or depart from the location at substantially the selected time. A representative system, among others, is a computer system that has been programmed to perform the foregoing steps. | 05-16-2013 |
20130124404 | Notification Systems and Methods Enabling Selection of Arrival or Departure Times of Tracked Mobile Things in Relation to Locations - Systems and methods are disclosed for automated notification systems. A representative method, among others, can be summarized as follows: engaging in a communication session with a personal communications device, based upon impending arrival or departure of one or more mobile things in relation to a location; during the communication session, providing a plurality of arrival or departure times in relation to a location and enabling selection of one of the times; and causing a mobile thing to arrive at or depart from the location at substantially the selected time. A representative system, among others, is a computer system that has been programmed to perform the foregoing steps. | 05-16-2013 |
20130124405 | Mobile-To-Mobile Payment System and Method - A mobile-to-mobile payment method and system are presented. One or more payor messages are received at a payment server from a mobile device associated with a payor. The one or more payor messages include an identifier of a payee and an amount. The identifier of the payee is associated with a payee account, and the mobile device is associated with a payor account. The payment server executes a transfer of funds of the amount from the payor account to the payee account. | 05-16-2013 |
20130132270 | CHARGING STATIONS INFORMATION CONTROL SYSTEM AND METHOD FOR ELECTRIC VEHICLES - A charging station information control system is provided. The charging station information control system includes at least one processor. A plurality of modules to be executed by the at least one processor includes an information acquiring module and a matching module. The information acquiring module acquires positional information of an electric vehicle. A matching module determines one or more suitable charging stations whose positional information matches the acquired positional information of the electric vehicle, and acquires the positional information of the one or more suitable charging stations. | 05-23-2013 |
20130132271 | SYSTEM AND METHOD FOR DISTRIBUTING BROADCAST MEDIA BASED ON A NUMBER OF VIEWERS - A system and method related thereto that includes a processor, and computer executable instructions readable by the processor and operative to provide media content for selection, provide a license for selection, wherein the license is associated with the media content, receive a selection of the media content or the license, use a sensor to determine a number of persons that are capable of perceiving the media content, and control the media content based on the number of persons that is determined to be capable of perceiving the media content, wherein controlling the media content includes any or all of the following: ceasing to play the media content, pausing the media content, playing the media content, or continuing to play the media content. | 05-23-2013 |
20130138557 | PAYMENT ENTITY FOR ACCOUNT PAYABLES PROCESSING USING MULTIPLE PAYMENT METHODS - A method begins by receiving an accounts payable data file from a client device. The method continues by determining whether a payables profile of a client associated with the client device is to be modified based on the accounts payable data file. The method continues by determining a level of service of the client when the payables profile is not to be modified. The method continues processing payment transactions for accounts payable contained in the accounts payable data file on behalf of the client in accordance with the payables profile via a wide area network when the level of service is a first level of service. | 05-30-2013 |
20130138558 | SYSTEM AND METHOD TO FACILITATE PURCHASES ON MOBILE DEVICES - System and method to enable and facilitate purchases through mobile communications on mobile devices, smartphones, feature phones, tablet computers, etc by allowing the user to interact with native interface and/or by eliminating the need of entering the MSISDN identifier by the user. MSISDN value is required to identify mobile subscriber and request a mobile billing transaction through carrier's infrastructure. A system comprises at least one data computing facility, which is connected to mobile carrier billing, short code and networking infrastructure and a plurality of converters to communicate and interface with a plurality of controllers for various mobile device types and platforms. | 05-30-2013 |
20130138559 | METHOD AND SYSTEM TO AUTOMATE PAYMENT FOR A COMMERCE TRANSACTION - A method and system to automate payment for a commerce transaction is provided. Payment information related in part to a first electronic payment account associated with a first party and including information related to a second electronic payment account associated with a second party is received at a network-based commerce system. A request to complete a network-based commerce transaction upon occurrence of a termination event at the network-based commerce system is received. Payment information is automatically sent to the network-based payment system upon the occurrence of the termination event based on the first party being a registered and approved buyer with the network-based payment system, the sending of the payment information causing transfer of funds at the network-based payment system from the first electronic payment account to the second electronic payment account. | 05-30-2013 |
20130144778 | GPS-BASED PORTABLE GOLF DISTANCE INDICATOR AND METHOD FOR SHARING MAP DATA USING THE SAME - A GPS-based portable golf distance indicator and a method for sharing map data using the same. The GPS-based portable golf distance indicator includes a GPS receiver for receiving a GPS signal from a GPS satellite and outputting coordinate data of a current location based on the received GPS signal, a keypad for executing a driving distance notification menu for notifying a driving distance of a ball or a distance notification menu for notifying a distance from the current location to a hole cup or selecting a location registration menu, a memory for storing map data of a golf course, a processor for calculating and controlling, and a power supply. When selecting the location registration menu, the processor receives the coordinate data of the current location from the GPS receiver and registers coordinate data of a target object location on the golf course in the map data. | 06-06-2013 |
20130144779 | SOFTWARE AND METHOD FOR ALLOWING PAYMENT OF MERCHANDISE AND SERVICES ELECTRONICALLY, THROUGH A SMART DEVICE, WITH A PREDETERMINED ACCOUNT - A method and software application allows smart device users, such as smartphone users, to pay for their merchandise and services with a predetermined credit or debit account. The method does not require the user to take out, expose, or give out their credit or debit card. The method of the present invention can increase transaction financial safety and efficiency, while protecting the environment from the printing and disposal of physical plastic credit and debit cards. | 06-06-2013 |
20130144780 | SAME-DAY SETTLEMENT OF FINANCIAL TRANSACTIONS - A system and method to receive a financial transaction and transfer funds associated with the financial transaction into an account associated with an originator of the financial transaction to settle the financial transaction on the same day that the financial transaction is originated. The financial transaction may be one of a plurality of financial transactions and the financial transaction is identified as being eligible for same-day settlement using routing or transit numbers associated with an entity that receives the financial transaction. | 06-06-2013 |
20130151400 | INTEGRATED MOBILE TRUSTED SERVICE MANAGER - Embodiments of the present invention are directed to a centralized trusted service manager system in the form of a trusted service manager interconnectivity service hub, which facilitates and provides communications between entities involved I mobile contactless payment systems. One embodiment is directed to a method for processing a message related to a mobile payment application on a secure element of a mobile communication device through an interconnectivity services hub including receiving the message from a first entity in a first protocol and determining a trusted service manager associated with the secure element from among a plurality of trusted service managers using a routing table comprising routing information. Then the method continues by determining a second protocol corresponding to the trusted service manager associated with the secure element, translating the message into the second protocol, and sending the translated message to the trusted service manager which communicates with the secure element. | 06-13-2013 |
20130151401 | REDEMPTION OF GIFT CARDS - A method and system for facilitating the redemption of gift cards are described. The method includes linking a gift card issued by a merchant to a user account, receiving a payment request from the user, processing the payment request so that the merchant is paid with funds in the account, receiving a transaction identifier from the merchant, identifying the merchant, verifying that the account is linked to a gift card issued by the merchant, retrieving a value of the gift card, transmitting the transaction identifier and a request to redeem the gift card, and receiving and depositing funds corresponding to a full or partial value of the gift card. | 06-13-2013 |
20130159169 | SYSTEM, APPARATUS AND METHOD FOR SEGREGATING DATA IN TRANSACTIONS VIA DEDICATED INTERFACE ELEMENTS FOR ISOLATED LOGIC AND REPOSITORIES - Embodiments relate generally to computer software and computing devices, and more particularly, to a system, an apparatus and a method configured to segregate data at an interface of a computing device to facilitate on-line electronic payment transactions. In one embodiment, a method includes presenting fields configured to accept a first type of data and to accept a second type of data for an on-line electronic payment transaction. The method includes generating an initialization signal for transmission to an isolated data management system to initialize a portion of a memory associated with first type of data, responsive to an interaction with a field, receiving data from the field, and generating a save signal to save the data from the field in a portion of the memory. This can be responsive to a second interaction with the field. | 06-20-2013 |
20130159170 | SYSTEM AND METHOD FOR FACILITATING ELECTRONIC FINANCIAL TRANSACTIONS DURING A PHONE CALL - A payment button on a device capable of making telephone calls, such as a mobile phone, allows a payer to electronically transfer money while in a phone call with a payee. The payment button also allows a payee to initiate an electronic payment transaction while in a phone call with a payer. The payment button may be a clickable or tappable virtual button presented on a display of the phone when being used to make or receive a call. The payer or the payee can simply enter a payment amount on the phone to complete an electronic payment transaction. A notification of payment is instantly transmitted to the phones being used for the phone call, so that the parties can safely and conveniently conclude a purchase and/or payment transaction during one phone call. | 06-20-2013 |
20130159171 | Money Transfers for Tax Refunds - Tax refunds are provided via a money transfer service. Merely by way of example, a taxpayer (or a tax preparer) might provide to the IRS an account number at a bank, as a target for a direct deposit refund related to a tax return. In an aspect, the account number might have a specific format that informs the bank that the refund is to be processed by the money transfer service, and in another aspect, the account number might include data that identifies the taxpayer to the money transfer service. | 06-20-2013 |
20130159172 | ONLINE REMITTANCE SYSTEM AND METHOD USING MOBILE TERMINAL TO PROVIDE TIPPING SERVICE OR SUPPORT SERVICE - The present invention relates to a recognition means for a targeted recipient who will receive payments, and to an online remittance system and method that perform micro-payment by scanning or directly entering the recognition means, so that a predetermined amount of money can be automatically remitted to a targeted tip recipient or a targeted support recipient. | 06-20-2013 |
20130159173 | Shared Mobile Payments - Methods and systems are provided for facilitating shared mobile payments. According to an embodiment, a user can initiate a purchase using a mobile device. The mobile device can display a total price for the purchase. The first user can cooperate with one or more second users to share the cost of the purchase. The cooperation can be facilitated via the first and second users' mobile devices. | 06-20-2013 |
20130159174 | SYSTEMS, METHODS, AND APPARATUS FOR ENHANCING AND UTILIZING OWED-VALUE ACCOUNTS - Systems, methods, and apparatus for enhancing and utilizing owed-value accounts are provided, including, in accordance with some embodiments, automatically utilizing the remaining balance of an owed-value account to purchase a product or service on behalf of the owner of the owed-value account. | 06-20-2013 |
20130159175 | PERSON-TO-PERSON PAYMENTS: CONTEXTUAL SPENDING - Receiving at a payment system a request associated with a first party to make a payment to a second party. Recommendations for utilizing the payment are evaluated based on a profile of the second party. The payment and a recommendation for utilization of the payment are sent to the second party. The recommendation that is sent is based on a profile of the second party and may include shopping at a physical store, shopping at an online store, ordering from a catalog, saving in an account, ordering a credit card, ordering a debit card. A transaction fee associated with the payment, and a portion of the fee to be paid by each party is calculated. | 06-20-2013 |
20130166438 | TRANSACTION SERVICES TOOLS SYSTEM - One or more devices within a transaction services hub receive, from a first network device, provisioning information for customers of a transaction services network. The one or more devices also receive, from a second network device, first session data for transaction services using an Internet Protocol (IP) network, and receive, from a third network device, second session data for transaction services using a voice network. The one or more devices load, in a database, the provisioning information, the first session data, and the second session data, and merge, based on the provisioning information, the first session data and the second session data. The merged data is retrieved to support request from administrators and customers via other components of the transaction services hub. | 06-27-2013 |
20130166439 | Embedded Document Within an Application - Data structures, methods, program products and systems for creating and executing an executable file for the Binary Runtime Environment for Wireless (BREW) where the file is capable of causing presentation of a document embedded in the file on a BREW system. | 06-27-2013 |
20130166440 | SYSTEMS AND METHODS FOR EXTENDING AN EXISTING NETWORK - A computer-implemented method for extending a payment network via a rapidly deployable telecommunications (RDT) network is provided. The method is implemented using a computer device coupled to a memory device. The method includes pre-assembling a network kit including a plurality of networking components for deploying at least a portion of an RDT network, determining a storage location for the network kit, determining a stock count of network kits, storing a number of network kits in the storage location equal to the stock count, and processing a request for one of the network kits stored within the storage location. | 06-27-2013 |
20130166441 | Instant Disposable Payment Card - An instant disposable payment card can have a quick response (QR) code. The QR code can be scanned by the user. Scanning the QR code can facilitate activation and/or funding of the instant disposable payment card and/or can facilitate a creation of an account or an activation of a pre-created account at a payment system provider. The user can then use the instant payment card to pay for purchases. A merchant can scan the QR code or swipe a magnetic strip of the instant disposable payment card to effect payment to the merchant for the purchase. An account of the instant disposable payment card can be funded after use thereof to make a purchase. | 06-27-2013 |
20130166442 | On-Device Offline Purchases Using Credits - This is directed to providing offline purchasing of media items using an electronic device. One or more media items that are not part of a user's media library can be stored on an electronic device. When a user later wishes to play back one of the media items, but the device cannot connect to a communications network to provide payment information for purchasing the media items, the electronic device can use pre-paid credits that were purchased and stored by the device when a communications network was available to complete the purchase. By using pre-paid credits, the media store can be assured that the user has sufficient funds for the media item purchase. | 06-27-2013 |
20130166443 | METHOD AND APPARATUS FOR DISTRIBUTION OF MONEY TRANSFERS - A method for performing transactions comprises receiving registration in formation and money transfer transaction specifications, generating a distribution profile based on the registration information, and storing the money transfer transaction specifications in the distribution profile. The distribution profile is identified based on an initiation instruction and associated user authentication data, and one of the money transfer transaction specifications in the distribution profile is identified based on the initiation instruction. Payment source status is verified according to the identified money transfer transaction specification, and a staged send transaction is initiated, based on the payment source status at the time the send transaction is initiated. | 06-27-2013 |
20130166444 | PRODUCTS AND PROCESSES FOR REVENUE SHARING AND DELIVERY - Various techniques of distributing revenue and/or other money, selecting/bonding delivery agents, and performing other tasks are providing herein. Methods include distributing portions of loan payments to one or more referrers associated with one or more loans, bonding of delivery agents, selecting delivery agents, allocating portions of credit card payments and/or sharing advertisement revenue. Other apparatus and methods are disclosed. | 06-27-2013 |
20130173454 | CONTROLLING A COMPUTER SYSTEM ENABLING SHARIA-COMPLIANT FINANCING - A computer system including data processing means arranged for receiving information into memory, the information enabling a transaction wherein a first party obtains property financing from a first financier by providing equitable title to the first financier and incurring obligations under a lease to the property, and wherein the first financier obtains funding for the financing from a second financier by providing at least some of the first financier's rights in the property, wherein the data processing means includes control means disposed to apply a Sharia compliance standard to the information control the computer system in carrying out a transaction compliant with the standard. | 07-04-2013 |
20130173455 | MOBILE COMMUNICATIONS DEVICE PROVIDING NEAR FIELD COMMUNICATION (NFC) SECURITY FEATURES AND RELATED METHODS - A mobile communications device may include a near field communication (NFC) device, a movement determining device, and a processor coupled with the NFC device and the movement determining device. The processor may be capable of selectively switching between a first operating mode, in which the NFC device is enabled for NFC communication, and an second operating mode. The processor may also be capable of, when switched to the unsecure operating mode, enabling the NFC device for NFC communication until the mobile communications device moves beyond a threshold distance based upon the movement determining device. | 07-04-2013 |
20130173456 | PRESENTATION OF MOBILE PAYMENT TRANSACTIONHISTORY ON A MOBILE COMMUNICATION DEVICE - Embodiments of the present invention relate to systems, apparatus, methods and computer program products for providing users/customers instantaneous access to mobile payment transaction history data. As such the mobile payment user can track mobile payment spending and budget accordingly. In addition, embodiments provide for the user to search transaction history to identify specific mobile payment transactions for the purpose of identifying when, where and the amount of a prior mobile payment transaction. Moreover, the user is provided the ability to verify that no unauthorized transactions occurred in the event that the user re-acquires possession of a mobile payment device that was previously lost, misappropriated or misplaced, or, if unauthorized transactions did occur, the ability to quickly identify the location and amount of such unauthorized transactions. | 07-04-2013 |
20130173457 | SYSTEMS AND METHODS FOR CONDUCTING MORE RELIABLE FINANCIAL TRANSACTIONS, CREDIT DECISIONS, AND SECURITY ASSESSMENTS - Systems and methods for conducting more reliable financial transactions, credit decisions, and security assessments are provided. A user may assign user connectivity values to other members of the community, or connectivity values may be automatically harvested or assigned from third parties or based on the frequency of interactions between members of the community. Connectivity values may represent alignment, reputation within the network community, or the degree of trust. Information about a financial transaction initiated by a first member of the community, a credit decision, and/or a security assessment may be automatically published to other qualifying members of the community based on connectivity values. The other qualifying members may then be given the opportunity to participate in the same financial transaction or access the same financial application in order to initiate their own financial transaction, or to take action based on information about the financial transaction, credit decision, and/or security assessment. | 07-04-2013 |
20130173458 | WATER PURIFICATION APPARATUS AND METHOD - Method for reducing the carbon footprint of a community by implementation of a water filter project comprises assessment of the viability of a filter system to determine the acceptability of said filter system for implementation in a community as substitute for the sterilization of water by boiling. Filter systems are transported to a community, for example a developing country where water is sterilized by boiling on a routine basis due to the presence of waterborne illnesses. The filter systems are then installed and operated. The volume of water produced by the filtering system is then monitored and usage data is generated and communicated to a database. The volume of carbon credits associated with the usage data is calculated. Information is communicated to a consumer of carbon credits. Funds are then transferred from said consumer to a person or persons, i.e. the project proponent, providing and installing said filter system. | 07-04-2013 |
20130173459 | GIFT CARD CODE INFORMATION AND DISTRIBUTION SYSTEM AND METHODS - Information sharing enhances the utility and effectiveness of gift-card transactions. A website enables a user to purchase or activate gift cards and compile recipient contact information to establish a gift network of the gift recipients. Information may be entered in relation to the interests or preferences of the gift recipients in the gift network. Product brands, services or merchants may be recommended to the user, and the user may be made aware of events, deals or promotions related to the interests and preferences of potential recipients in the gift network. Gift-related codes may be disseminated, and gift cards distributed, in accordance with numerous disclosed process flows including “social gifting” processes wherein codes are delivered directly or wherein real or virtual greeting cards are activated on-line and/or at point-of-sale (POS) location(s). | 07-04-2013 |
20130173460 | APPARATUS AND METHOD FOR SHARING CONTENT INFORMATION IN A COMMUNICATION SYSTEM AND A SYSTEM THEREOF - A method for sharing content information in a communication system includes transmitting a content payment request message to a content providing server, if a payment of a specific content is requested from a user of a first portable terminal, transmitting content information with regard to the specific content in response to the content payment request message to the first portable terminal and a content information registration server, receiving the content information and databasing the received content information, transmitting a content sharing message with regard to the specific content to the first portable terminal, if a wireless communication with the first portable terminal is available, detecting the content information among the databased content information and transmitting the detected content information to a second portable terminal, when the content sharing request message is received; and receiving and storing the content information in response to the content sharing request message. | 07-04-2013 |
20130173461 | Payment System for Wearable or Implantable Sensor Data - This invention is a data collection system for collecting data from one or more sensors worn by, or implanted in, a person or from one or more sensors in the environment of the person. The data collection comprises one or more sensors equipped with a short range communication link; a mobile communication device configured to communicate through the short range communication link with the sensors, and equipped with a wide area network communication link; a server in communication through the wide area network with the mobile communication device; and a financial institution also in communication through said wide area network with said server. Sensor data is transmitted from the sensors to the mobile communication device, where it is processed and then retransmitted to the server, and used to calculate a payment as a function of a business agreement. The financial institution executes the payment. | 07-04-2013 |
20130173462 | REQUESTOR-BASED FUNDS TRANSFER SYSTEM AND METHODS - According to the invention, transferring money using a computer network is disclosed. In one step, information is saved on credit received for a first user ( | 07-04-2013 |
20130173463 | ELECTRONIC PAYMENT AND AUTHENTICATION SYSTEM WITH DEBIT AND IDENTIFICATION DATA VERIFICATION AND ELECTRONIC CHECK CAPABILITIES - An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer. | 07-04-2013 |
20130179334 | PREFUNDING FOR MONEY TRANSFER SEND TRANSACTIONS - A computer is configured to facilitate prefunding a number of money transfer transaction fees. Each prefunded money transfer transaction fee is usable to pay for a transaction fee associated with a future money transfer send transaction. The computer is further configured to charge an amount for each prefunded money transfer transaction fee based on the number of money transfer transaction fees prefunded. A server connected to the computer is configured to store information related to the prefunded money transfer transaction fees. | 07-11-2013 |
20130179335 | ALIAS MANAGEMENT AND VALUE TRANSFER CLAIM PROCESSING - An alias management and value transfer claim processing system is disclosed. A sending entity initiates value transfer identifying a recipient entity using an alias that is unregistered with the system. The value transfer is authorized, but not settled until the recipient entity registers with the system and claims the value transfer. The registered alias can be used for subsequent value transfers. | 07-11-2013 |
20130179336 | FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS - An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the payer device through acoustic stimuli, or as a result of voice or human based gesture actions. A user of the payer device may also participate in the financial transaction through the indirect control of a display by reading a unique machine-readable code unique to the display. Additional transaction details for the specific transaction may be received in the payer device through near field communication, or accessed at a later time when there is established connectivity to a mobile network. | 07-11-2013 |
20130185191 | SYSTEMS AND METHOD FOR CORRELATING TRANSACTION EVENTS - A method and system for correlating transaction events. Transaction events may be received that identify actions executed at a plurality of different types of source systems. For each transaction event, it may be determined whether or not the transaction event is equivalent to a previous transaction event using an equivalence relationship. The equivalence relationship may define events as being equivalent when each of the events has a subset of parameters that match exactly and a different subset of parameters that match approximately and not exactly. Equivalent transaction events may be correlated. | 07-18-2013 |
20130185192 | TRANSACTION INITIATED AUTOMATIC ENROLLMENT FOR MERCHANT OFFERS - A computer-based method of managing electronic transactions is described. A plurality of consumer accounts are stored in a data store, each consumer account having a first MSISDN as a consumer account identifier. A plurality of merchant accounts are stored in the data store, each having a respective first merchant account identifier. Merchant offers are received and stored within the data store in association with the merchant accounts. A second MSISDN is identified from a charge request and is matched to the first MSISDN to identify respective consumer account. A second merchant account ID is received in the charge request and is matched to one of the first merchant account ID's to identify one of the merchant accounts. A merchant offer of the merchant account is then associated with the consumer account. The charge request also includes an amount that is processed against the selected consumer account. | 07-18-2013 |
20130185193 | FRAUD MINIMIZATION AND ANALYTICS THROUGH GEOSPATIAL COMPARISON OF VEHICLE LOCATION AND TRANSACTION SITUS - A method comprising determining that a transaction associated with a purchase of a fuel of a vehicle equipped with a geospatial positioning device is associated with a unique identifier of a fuel card is disclosed. The method may comprise comparing a present geospatial location of the vehicle with a situs where the transaction associated with the purchase of the fuel of the vehicle is determined when a distance between the vehicle and the situs where the transaction associated with the purchase of the fuel of the vehicle occurs is within a threshold limit. The method may also comprise generating an alert communication to a party based on a transgression of the vehicle from the threshold limit. | 07-18-2013 |
20130185194 | Transaction Processing and Remote Activation - Embodiment of the invention extend to a device (which may be considered an asset which is purchased or which provides a service which may be purchased) which can be controlled through the use of a mobile communications device such as a cellular phone. The cellular phone is connected to a transaction processing system which allows the user to pay for the use of the device. The transaction processing system communicates with the device to allow usage of the device only if the user has successfully paid for such use. A further embodiment of the invention relates to collecting usage information of the device and collating this information at a location remote from the device. | 07-18-2013 |
20130185195 | Online Group Purchasing System and Method - An online platform provides group purchase of advocacy or other services. In some embodiments, the platform further provides one or more of a social networking address book, a crowd-sourced vote-counting mechanism for legislative issues, and support on target selection, tactic prioritization, fundraising, supporter recruitment, campaign marketing, and content creation and aggregation. According to some embodiments, an online purchasing platform may be realized as a computer-implemented method for funding group purchasing using social media. The method may comprise identifying, using a selection module, a first target item for purchase, soliciting funds online, using a solicitation module, for the purchase of the first target item, accepting, using a collection module, funds online from a plurality of sources, and determining, using the collection module, whether funds accepted online are sufficient to purchase the first target item. In the event sufficient funds have been accepted to purchase the first target item, a purchasing fulfillment module may be utilized to purchase the first target item. | 07-18-2013 |
20130185196 | CUSTOMER TOUCH POINT FOR REAL TIME SHARING OF TRANSACTION DATA BETWEEN DIFFERENT CUSTOMER INTERACTION CHANNELS - Techniques and equipment for enabling a cross-channel real time awareness framework for capturing and sharing transaction data in real time for a user via an interface of a channel of an enterprise are disclosed. The captured transaction data are made accessible to other channels of the enterprise for processing transactions initiated by the user via an interface of the one of the other channels. | 07-18-2013 |
20130185197 | METHOD AND APPARATUS FOR MANUFACTURER REVENUE SHARING WITH SUPPLIERS BY LICENSING FEATURES TO CUSTOMERS - A method and apparatus for sharing revenue derived from feature licenses and feature license upgrades between suppliers of components and manufacturers of devices using those components is provided. The method and apparatus simplifies the sale of feature licenses permitting expanded capability in the devices. | 07-18-2013 |
20130185198 | Incremental Content Purchase And Management Systems And Methods - Systems and methods for incremental and conditional purchase and management of electronic books. In one embodiment, the incremental content purchase and management system allows downloading of electronic books to client devices with no upfront cost. Electronic books downloaded on a client device are divided into a plurality of segments based on the mode of consumption. User interaction with an electronic book is monitored to detect consumption, and to identify the segment being consumed. When a sufficient amount of electronic book segments is consumed, a charge corresponding the consumed electronic book segments is calculated using a charge model. The ownership of the consumed electronic book segments is then transferred to the user following the payment of the calculated charge. | 07-18-2013 |
20130185199 | METHODS AND APPARATUS FOR FUNDING TRANSACTIONS USING DEBIT CARDS ISSUED BY ONE INSTITUTION AND FUNDS FROM ACCOUNTS AT OTHER INSTITUTIONS - Methods, apparatus, and systems for funding transactions disclosed herein may operate to configure a plurality of backup funding sources for a primary funding source, and enable a consumer associated with the primary funding source to select at least one backup funding source among the plurality of backup funding sources. A request to fund a transaction associated with the primary funding source may be received, and the transaction may be funded using funds from at least one of the primary funding source and the at least one selected backup funding source. | 07-18-2013 |
20130191271 | Management System for the Protection of Mortgage Equity - A computer system for managing mortgages of mortgage holders with a no foreclosure rule interconnected to funding institutions maintained as a club. The system has input devices capable of receiving data from the mortgage funding institution or mortgage originator. The home owner club agrees to assume responsibility for providing financing agreements with a foreclosure clause. A processor calculates values and maintains up to date information as a function of the probability of property values change and the payments on mortgage obligations. A memory has a database storing data relating to mortgages and club members, pools of properties of club members and financial data. An output device produces commitment for club members (assumes obligation for providing security and solutions, and in case of difficulties for members,maintains mortgage payments) and funding institution assumes obligations. Members may be reimbursed equity positions upon relinquishment of a mortgage obligation. | 07-25-2013 |
20130191272 | Systems and Methods for Division and Identification of Financial Transfers - According to the invention, a system for dividing and identifying financial transfers is disclosed. The system may include a server configured to receive an indication that an amount of funds has been received. The server may also be configured to associate, in response, a first identifier with the amount of funds. The server may further be configured to receive a first request to release a first portion of the funds, the first request including the first identifier. The server may additionally be configured to associate a first record of release with the first identifier. The server may moreover be configured to associate, in response to receiving the first request, a second identifier with a second portion of the funds. The server may furthermore be configured to receive a second request to release at least a portion of the second portion of the funds, the second request including the second identifier. | 07-25-2013 |
20130191273 | SYSTEM AND METHOD FOR EXPEDITED RELEASE OF HELD ITEMS - A system for identifying and expediting the release of held items, such as checks. Paying banks (having accounts against which the checks are drawn) provide paid item files to the system, and depository banks (where checks have been deposited) provide held item files to the system. If there is a match of a paid item file and held item file (indicating that a held check has been paid by the paying bank), the depository bank is notified that the item has been paid and that the hold may be released. | 07-25-2013 |
20130191274 | METHOD AND SYSTEM FOR INTEGRATING MARKET CREDIT UNITS (MCUs) TO REAL MONEY - In accordance with an example embodiment a method and system for integrating marketplace credit units (MCUs) to real money is provided. The method includes receiving a first quantity of a first currency. The method further comprises, electronically converting the first quantity to a first set of marketplace credit units (MCUs), the first set having value equivalent to that of the first quantity upon encashment. Further, the method comprises facilitating a transaction using the first set or a portion of the first set in a marketplace. | 07-25-2013 |
20130191275 | METHOD AND SYSTEM FOR PAYMENT BASED ON CORRELATION BETWEEN PRODUCT SPECIFIC INFORMATION AND TERMINAL NUMBERS - The invention provides a method for making payment based on correlation between product specific information and terminal numbers and a system for implementing the method. The method involves providing product specific information representing payment information for goods selected by a user from a web service, dispatching the product specific information for the selected goods to the user, receiving a payment request message containing the product specific information from a terminal device of the user, obtaining the product specific information from the payment request message, obtaining a terminal number associated with the terminal device of the user from a communication network, and providing the correlation information to a payment platform, wherein the terminal number represents identification information of the user and may be used by the payment platform for search for an account of the user, and the product specific information may be used by the payment platform to deduct payment from the account of the user. By obtaining terminal number from the communication network and correlating the terminal number with product specific information, the invention allows a user to perform a one-click payment, thereby simplifying payment procedures involved in web services. | 07-25-2013 |
20130191276 | MEDIA CONTENT SELECTION SYSTEM AND METHODOLOGY - A method, system, and computer program product provide a methodology for selecting media content. Pick percentages for how often each of two or more selection methodologies are used to select the media content are established. A request for media content is received. Based on the pick percentages, one of the two or more selection methodologies is selected to select media content. The selected media content is then played. | 07-25-2013 |
20130191277 | Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - A system and method for effectuating Electronic Funds Transfer credit messages. The main structural components of the system include a Payment Portal Processor (PPP), an Internet Pay Anyone (IPA) Account, a Virtual Private Lockbox (VPL) and an associated Account Reporter, the existing EFT networks, and a cash card for accessing a VPL or IP account. The PPP is a software application that provides a secure portal for accessing (linking to) either the user's Demand Deposit Account (DDA) or an IPA account and can be combined with the functionality of a traditional digital Wallet. Consumers use a PPP enhanced Wallet to fund their account, shop on the web, pay bills, pay anyone, store electronic receipts and transaction history, and check their recent PPP enhanced Wallet activity. The IPA account is a special purpose account with limited functionality for making electronic payments in the form of EFT credit messages. The VPL is a limited function receive only account for receiving electronic payments through the EFT. The Account Reporter is a portal to view transaction history and balance of IPA and VPL accounts, provide online, real-time transaction reports, and to reconciles accounts receivable/purchase records against incoming EFT payment records. A physical card can be associated with either an IPA or VPL account in order to provide PIN debit capability. | 07-25-2013 |
20130191278 | Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network - A computer implemented system is provided for processing payments. A server including a computer memory storing a first database including a directory is provided. The directory includes authenticated registrant information comprising authenticated information for a payee, the directory identifying via a publicly available account identifier at least one linked account of said payee. The system also includes a payor computer having access to the directory and a first bank computer linked via a computer network to the server, the first bank computer configured to access payor account information from a payor account at the first bank. The first bank computer is also configured to receive payment information from the payor computer identifying the payee and to transmit a payment from the payor account at the first bank to the linked payee account located at a second bank | 07-25-2013 |
20130198058 | MUTIPLEXING SYSTEM FOR A FUEL TRANSACTION ENVIRONMENT - The present invention relates to a system in fuel dispensing control such as gasoline pumps wherein a four wire data system is operated utilizing two wires and a multiplexing system. | 08-01-2013 |
20130198059 | METHOD AND APPARATUS FOR CONFIRMING A TRANSACTION - A method and apparatus that improves treasury management functionality for a cash positioning and reporting system is provided. Several portions of the payment process may be improved. The approval process may be streamlined by providing supplemental contact information at each stage of the approval process. Confirmation of payments made via a wire transfer may be sent to a payee. A reference number from the wire transfer may be included in the confirmation. The reference number may permit tracking of the payment by the payee. Likewise, supplemental wire transfer information may be provided to a general ledger system to improve reconciliation of payments and invoices. | 08-01-2013 |
20130198060 | SYSTEM AND METHOD FOR HANDLING COLLECT ON DELIVERY TRANSACTIONS - A system and method for processing collect on delivery transactions are disclosed. The method includes defining, by a computer, a tracking code including a service type code for a collect on delivery service; scanning, using a scanning device, the tracking code on a shipping label of a mail item, the tracking code including the service type code; inputting into the scanning device delivery data including the amount of funds collected and the type of funds collected, if the service type code corresponds to the collect on delivery service; and transferring the delivery data from the scanning device to a postal tracking system computer. A method and system of centralizing payments from a Postal authority to merchants using the collect on delivery service are also disclosed. | 08-01-2013 |
20130198061 | INTERNETWORKING BETWEEN P2P NETWORKS - A method and apparatus for internetworking multiple person-to-person (P2P) payment networks and financial institutions is disclosed. Embodiments include receiving a request to send funds from a payor, the request containing one of the payee's email address and mobile phone number; determining whether the payee is registered with a network financial institution that is within a P2P network of the payer (the originating P2P network), wherein determining includes matching one of the payee's email address and mobile phone number; if the payee is registered within the originating P2P network financial institution, transferring the funds to the payee account at the network financial institution and notifying the payee and posting the transaction on the network financial institution web site; and if the payee is not registered within the originating P2P network determining whether the payee is registered with any second payment network connected to the internetwork payment hub with which the originating network is connected wherein determining includes matching one of the email or mobile phone number of the payee specified by the payor. | 08-01-2013 |
20130198062 | VALUE DETERMINATION FOR MOBILE TRANSACTIONS - Various embodiments provide techniques for determining a value share of a mobile transaction for one or more entities associated with the mobile transaction. Examples of mobile transactions include purchases of content such as applications, games, video, audio, graphics, and so on. In one or more embodiments, value share rules can be created and reconfigured. The value share rules specify a share of a transaction value (e.g., a percentage of revenue generated from a purchase of content) that an entity involved in a particular mobile transaction is credited with. In one example scenario, a user of a mobile device purchases an application for the mobile device. A value share rule can be applied to the application purchase amount to determine a share of the application purchase amount that is to be credited to a mobile operator that provides service for the mobile device. | 08-01-2013 |
20130198064 | Method and System for Administering Banking and Personal Savings Using a Mobile Computing Device - A system and method enables a user to determine a financial benefit from making at least one small sacrifice if the monetary value of the at least one small sacrifice were to be saved in a destination account, or directed to make a particular investment or to reduce a particular debt. The method and system provides the user with a forecasted short-tem and/or long-tem outcome should the at least one small sacrifice be made. When the user chooses to apply the monetary equivalent of at least one small sacrifice to a destination account, the system can then facilitate a secure financial transaction with their bank's server. This transaction deducts the amount, or series of amounts, from the user's chosen source account, typically a checking account, and applies the savings amount to the user's chosen destination account, e.g., a mortgage account or a savings account. | 08-01-2013 |
20130204775 | METHODS AND APPARATUS FOR VALIDATING FILES FOR AN ELECTRONIC PAYMENT SYSTEM - A method and apparatus that validates source files for processing by a payment clearing system. Source files may include one or more electronic payment instructions may be provided by a customer. The source file may be pre-processed to remove extraneous data. Next, records in the source file may be validated. The validated may be mapped into payments fields. The normalized payment fields may be normalized into an abstract form or a format agnostic form. The normalized form of the source file information may be validated for processing by a payment clearing system. If the source file information is valid, the valid information may be used request a transfer by the payment clearing system. Finally, one or more reports describing validation results, indicting a correct source file or acknowledgment of a successful transfer may be sent to the customer. Various levels of detail may be included in the report(s). | 08-08-2013 |
20130204776 | E-commerce Payment and Delivery System and Method - An e-commerce payment and delivery system comprising a combination of electronic components, proprietary software, banking services and a cartage company. Buyer and seller fill out a registration form and create their own electronic accounts on the web portal via their own personal computer or a kiosk. When the buyer finds something he/she wishes to buy, the buyer accesses his/her account and creates a transaction record, with the pertinent sale information, and sends the transaction record to the seller. The seller verifies that the transaction record is accurate and the buyer must fund his/her own account. The buyer's deposit is transferred from the buyer's account into an electronic bank accessible to the cartage vendor. The seller presents the goods and transaction card to the cartage vendor and the teller processes the goods for shipping, verifying that the goods being shipped are the goods buyer ordered. | 08-08-2013 |
20130204777 | Logistics Methods for Portable, Mobile Processing of Lottery and Contest Tickets - A method for portable lottery ticket sales and redemptions by mobile vendors is provided wherein the vendor have an existing credit or debit card processing interchange. The vendor is provided with a portable local processor having a memory, and with a local printer connected to the local processor. The local processor is in wireless communication with a network. A bank identification number (BIN) is assigned to lottery tickets sold or redeemed by the vendor that is unique to lottery tickets in the vendor's existing credit or debit card processing interchange. The unique lottery BIN is also associated with a lottery data blob provided on the lottery ticket. The BIN and lottery data blob are entered into the vendor's existing credit or debit card barcode protocol to initiate transfer of the lottery data to a lottery central site via the interchange, wherein a processor within the interchange recognizes the unique lottery BIN and initiates special routing to and further processing of the lottery data at the lottery central site outside of the interchange's debit or credit card data transfer and processing procedures. | 08-08-2013 |
20130204778 | Financial Gadgets - Methods, computer program products, and systems, related to providing financial gadgets to users. In one implementation, a method includes receiving gadgets and receiving a notification that one or more gadgets has been certified. A web page with an interface through which users can select gadgets is generated and provided to a user computer. A user selects a gadget, and the selected gadget is run, including providing the user-specific financial information to the gadget. Content based on the output of the gadget is provided to the user. User-specific financial information can be collected, and modified by the gadget. A notification can be received that a financial institution has authorized one or more of the certified gadgets and the web page can only allow users to select authorized gadgets. | 08-08-2013 |
20130204779 | Monetizing a social networking website - A method enabling social networking website providers to monetize a social networking website, comprising charging users for posting content per posting action. A social networking website graphical user interface component comprising an indicator, wherein a user's indicator displays a balance of funds in an account held by the user on the social networking website, wherein the user's indicator decrements proportionately whenever the user's account is debited, wherein the user's indicator increments proportionately whenever the user's account is credited. | 08-08-2013 |
20130212003 | MOBILE MONEY ORDER - A method to track a money order transaction, including receiving, from a mobile device, a request to send the money order to a recipient, initiating, by a computer server in response to the request, a first transaction to transfer a money order amount from a funding account of the payer to a third party account held at a bank, initiating, in response to completing the first transaction, a second transaction to generate the money order by the bank, receiving, from the bank, an indication that the money order amount is paid out by the bank as a result of the recipient cashing the money order, and sending, in response to the indication, a message alerting the payer that the recipient has cashed the money order. | 08-15-2013 |
20130212004 | CUSTOMIZED TRANSACTION FLOW FOR MULTIPLE TRANSACTION TYPES USING ENCODED IMAGE REPRESENTATION OF TRANSACTION INFORMATION - The system includes receiving transaction information of the transaction including merchant identification information, consumer identification information and a transaction identifier associated with a barcode. The system also accesses a database of profile data using the merchant identification information to determine a transaction type of the transaction. The system also sends output data via the communications network by using workflow instructions associated with the transaction type, the output data for consumption by a consumer device of the consumer. The system also receives input data from the consumer device and includes the input data with the transaction information to generate a transaction request. The system can also send the transaction request via the communications network to a merchant interface of the merchant to complete the transaction with the merchant. | 08-15-2013 |
20130212005 | SOLAR LIGHTING WITH PAY-AS-YOU GO TECHNOLOGY - Disclosed are devices and methods for providing solar lighting and power to a consumer using pay-as-you-go technology. The pay-as-you-go technology allows for a user to pay for home power and lighting on an incremental basis as they use the device. The payments are made using a user's cell phone. A pay-as-you-go lighting apparatus may include a lighting module configured to provide lighting to a customer when activated, and a control system including a processor and a memory configured to monitor usage of the lighting apparatus, track remaining usage credits, and disable the lighting apparatus when there are no remaining usage credits. | 08-15-2013 |
20130212006 | FRAUD DETECTION SYSTEM AUTOMATIC RULE MANIPULATOR - Embodiments of the invention are directed to a fraud detection system that automatically converts the currency and value of received transaction data to correspond to the currency in fraud detection rules established by a merchant. The converted transaction data is then analyzed against the fraud detection rules to determine whether the transaction data indicates fraudulent activity. | 08-15-2013 |
20130212007 | TOKENIZATION IN PAYMENT ENVIRONMENTS - Data can be protected in mobile and payment environments through various tokenization operations. A mobile device can tokenize communication data based on device information and session information associated with the mobile device. A payment terminal can tokenize payment information received at the payment terminal during a transaction based on transaction information associated with the transaction. Payment data tokenized first a first set of token tables and according to a first set of tokenization parameters by a first payment entity can be detokenized or re-tokenized with a second set of token tables and according to a second set of tokenization parameters. Payment information can be tokenized and sent to a mobile device as a token card based on one or more selected use rules, and a user can request a transaction based on the token card. The transaction can be authorized if the transaction satisfies the selected use rules. | 08-15-2013 |
20130212008 | FUNDS NETWORK AND METHOD - In a method of providing funds to a monetary repository, information is received identifying a payee and request by the payee to convert a negotiable instrument made to the payee to funds. In response to the information, confirmation is received whether to convert the negotiable instrument to funds. An image of the endorsed negotiable instrument is received. If a determination is made to convert the negotiable instrument to funds, an amount of funds corresponding to a value of the negotiable instrument is directed to a repository. | 08-15-2013 |
20130212009 | System and Method for Assisting Vendors - A service system for facilitating payment to a vendor of products over a network. The products are supplied to a buyer. The system includes an invoice having a base invoice amount with an amount of penalty funds calculated from the base invoice amount when the invoice is not paid in a timely manner. An application is submitted to an investor via the network for enrolling the vendor in the service system. At least one installment is disbursed from the buyer and received by the investor over the network. At least one payment is disbursed from the investor and received by the vendor over the network wherein the payment is equal to the base invoice amount thereby allowing the vendor to receive 100% of said base invoice amount. The investor is compensated with the difference between interest on a loan to pay the vendor and later receipt of the penalty funds. | 08-15-2013 |
20130218753 | Commodity Backed Payment System For Social Networks - Embodiments are directed towards providing a computer-implemented method and a network device that provides an electronic payment system for social networks, including maintaining (i) records of registered users, (ii) records of registered merchants, (iii) a credit account for each registered user and registered merchant wherein credits are backed by a commodity and a credit corresponds to a fraction of a standard unit of the commodity, receiving from a user device instructions to deposit a designated amount of currency from a user's account into the user's credit account, using the received instructions, obtaining the designated amount of currency, electronically purchasing from a seller an amount of a specified commodity equivalent to the designated amount of currency minus any transaction fee assessed by the seller, and updating the user's credit account by adding a number of credits equivalent to the amount of the purchased commodity. | 08-22-2013 |
20130218754 | CURRENCY RECYCLER - A cash recycler that is configured to allow deposited money to be dispensed (recycled) in a withdrawal transaction. In one embodiment, multiple currency recyclers could be used at multiple stores of a retail establishment and collectively work from one pending balance. Embodiments are also contemplated in which multiple accounts at one recycler location. In some cases, the currency recycler provides provisional credit for deposits of coinage and checks. In some cases, transactions made on the currency recycler could be settled to any financial institution. | 08-22-2013 |
20130218755 | RENEWABLE RESOURCE DISTRIBUTION MANAGEMENT SYSTEM - Energy resource dispensing terminals can be added one-at-a-time to a wide area resource distribution system very easily where needed as needed. Each terminal can dispense any of a number of types of energy resources such as electricity, compressed hydrogen, compressed air, and waste vegetable oil. The energy dispensing terminal includes a terminal control computer that interacts with customer computing devices, such as personal, portable computing devices or onboard computers installed in vehicles to effect negotiation and fulfillment of energy resource purchase transactions. A resource sharing server facilitates such transactions by maintaining and verifying identities of customers and sellers along with financial account information such that a registered customer can purchase energy resources from any seller registered with the same resource sharing server. | 08-22-2013 |
20130218756 | CHARGING PAYMENT SYSTEM AND TARGET APPARATUS USED IN THE SAME - A charging fee payment system is used for a payment process for a payment of a charging fee to charge a target apparatus with a charging apparatus. The target apparatus includes a memory, a controller, and a communication section. When the charging apparatus does not have a function to communicate with an external server that performs the payment process, the memory stores an unique ID code of the charging apparatus and electricity usage data indicative of the amount of electricity used by the charging apparatus to charge the target apparatus. The controller allows the target apparatus to be charged with the charging apparatus on a condition that the ID code remains stored in the memory. When the communication section becomes able to communicate with the external server, the communication section sends the ID code and the electricity usage data stored in the memory to the external server. | 08-22-2013 |
20130218757 | PAYMENTS USING A RECIPIENT PHOTOGRAPH - A user takes a photo of a payment recipient using the user's mobile device. The photo is analyzed to determine whether a matching photo with an identifier exists, such as on the user device or within a payment provider database. If so, the identifier is used to identify the recipient and process a payment from the user to the recipient. | 08-22-2013 |
20130218758 | CUSTOM SCORECARD AND HYBRID FRAUD MODEL - Embodiments of the invention relate to methods, apparatuses, and systems for performing, creating, generating, and displaying transaction scorecards related to fraud evaluations of transactions. Methods may include determining if one or more preselected rules are triggered by transaction data associated with a transaction, determining a trigger score for each of the preselected rules, adding the trigger score for each of the preselected rules to a profile score, applying the profile score to at least one transaction decision rule, and displaying transaction evaluation results in a transaction scorecard. Additionally, some embodiments of the invention may combine a centralized multiple merchant fraud model provided by a merchant processor and a merchant customized model, to a produce a hybrid scorecard model. The respective scores of the multiple merchant fraud model and the merchant customized model may be weighted for further customization. | 08-22-2013 |
20130218759 | VIRTUAL TRANSACTION CUTOFF - In some embodiments of the present invention, a method is provided that includes: (a) receiving transaction information associated with a transaction; (b) determining, based at least partially on the transaction information, that the transaction involves an account, occurred after a daily cutoff time on a first day, has a predetermined transaction type, and includes a transaction amount; and (c) designating, using a processor and based at least partially on the determining that the transaction occurred after the daily cutoff time and has the predetermined transaction type, the transaction amount for inclusion in the daily ending balance for the account for the first day. In some embodiments, the method further includes designating, based at least partially on the determining that the transaction occurred after the daily cutoff time, the transaction for posting to the account on a second day, where the second day is any day after the first day. | 08-22-2013 |
20130218760 | FINANCIAL TRANSACTION TOKEN WITH ONBOARD POWER SOURCE - There is provided a card or token for use in financial transactions. The financial transaction token or card has an onboard energy storage device that enables onboard electronics to operate when the card is not in the proximity of a merchant Point-Of-Service (POS) terminal. In one implementation, the onboard energy storage device includes a capacitor such as a thin-film capacitor that stores sufficient energy to power onboard electronics without the need for an onboard battery. The card may be incorporated within various conventional apparatus such as a see-through and/or protective substrate, an item of clothing, an item of jewelry, a cell phone, a Personal Digital Assistant (PDA), a credit card, an identification card, a money holder, a wallet, a personal organizer, a keychain payment tag, and like personality. | 08-22-2013 |
20130218761 | SYSTEM, METHOD,COMPUTER PRODUCT AND WEBSITE FOR AUTOMOBILE COLLISION REPAIR - A system, method, computer product and website for provides full service concierge style vehicle mechanical repair, collision repair, aftermarket installation services and restoration services. The system, method, computer product and website relate to new and improved means for coordinating automobile collision and mechanical repair services. The claimed invention is also adaptable for use with restoration and aftermarket installation services. More specifically, the claimed invention relates to use of a secure website to offer an exclusive, comprehensive and convenient concierge style auto repair solution for modern lifestyle type customers. | 08-22-2013 |
20130226788 | Payment Account Management - Disclosed are various embodiments for charging one or more accounts based on user-created business rules for transactions that occur on a master account. The transaction management application identifies the master account associated with the charge request. Once the master account has been identified, the transaction management application determines which of the other accounts to charge or debit for the charge request. | 08-29-2013 |
20130226789 | EMAIL CLIENT MONEY EXCHANGE INTERFACE - Techniques for enabling a user of the email client application to exchange messages related to online transaction accounts are disclosed. An email client application may display a transaction account interface that enables a user of the email client application to send specialized messages related to the user's online transaction account. For example, the specialized messages may include money transfer instructions, money request instructions, and referral messages. | 08-29-2013 |
20130226790 | System and Method for Adding Funds to a Prepaid Account for a Mobile Device Associated with Multiple Communication Profiles - A communication management system receives, from a local cellular network operator, a communication indicating that a payment has been made to the local cellular network operator for a mobile device using a local communication profile. The communication management system identifies, based on the local communication profile, a home communication profile of the mobile device. The home communication profile is associated with a home cellular network operator that is distinct from the local cellular network operator. The communication management system sends, to the home cellular network operator, a request to add funds to a prepaid account that is associated with the home communication profile of the mobile device. | 08-29-2013 |
20130232060 | PURCHASING, REDEMPTION AND SETTLEMENT SYSTEMS AND METHODS WHEREIN A BUYER TAKES POSSESSION AT A RETAILER OF A PRODUCT PURCHASED USING A COMMUNICATION NETWORK - Purchasing, redemption and settlement systems and methods are provided to communicate with a buyer to establish a first price for a product. The purchasing system may also arrange for the buyer to take possession of the product at a retailer, different from the seller, that offers the product for sale at a second price. The buyer provides a payment, based on the first price, to the purchasing system in exchange for the right to take possession of the product at the retailer. The purchasing system transmits redemption information to the buyer. The redemption information may include information that enables the creation of a voucher to be used when taking possession of the product. The purchasing system may also receive information related to an attempt by the buyer to take possession of the product from the retailer. | 09-05-2013 |
20130232061 | REDUCING UNSOLICITED TRAFFIC IN COMMUNICATION NETWORKS - A computerized method of associating an economic transaction with messages being sent across a communication network. The method comprises providing a message to be sent from a sender to at least one intended recipient, constructing at least one transaction securely associating an economic value to be transferred from the sender to at least one intended recipient, associating between the transaction and the message, and transmitting the message from the sender to at least one intended recipient. | 09-05-2013 |
20130232062 | SYSTEMS AND METHODS FOR PROVIDING ONLINE MARKET - An online market place system enables a user, also referred to as a buyer, to solicit services from other users by distributing or advertising assignments. The online market place system also enables other users, also referred to as sellers, to accept one or more assignments and perform the solicited services. If the performed assignments are associated with payment terms, the sellers can receive payments from the buyer pursuant to the payment terms. In some cases, the online market place system can provide trade credits to buyers. This way, buyers can create assignments even before funding their accounts on the online market place. | 09-05-2013 |
20130238487 | SYSTEM AND METHOD FOR DYNAMIC FINANCIAL ACCOUNT MANAGEMENT - A predictive financial data management system for efficiently and intelligently administering and managing allowance and diversionary accounts and associated sub-accounts based on third party transaction data and user defined sub-account prioritizations. The system is configured to interface with third party data to conduct the financial administration and management and rebalancing of the allowance and diversionary accounts based on input from a predictive model and historical transaction data. | 09-12-2013 |
20130238488 | SYSTEM AND METHOD FOR TRANSFERRING FUNDS - A computer-implemented payment processing system includes an account information directory comprising a database of registered users of a payment network, at least one of the registered users having a plurality of public identifiers associated therewith that are stored in the account information directory, at least one of the plurality of public identifiers being useable by the user to send funds to other users and to receive funds from the other users; and a rules engine accessible to the user by way of a computer network, the rules engine being accessible by the user to separately configure attributes of the plurality of public identifiers. | 09-12-2013 |
20130238489 | SYSTEM AND METHOD FOR TRANSFERRING FUNDS - A computer-implemented payment processing method includes storing, by a computer system, information regarding a recipient in an account information directory, the account information directory being implemented in a data storage system, the information including a public identifier identifying the recipient, the public identifier comprising at least one of an e-mail address and a telephone number assigned to the recipient when the public identifier is stored in the account information directory; receiving, by the computer system, a funds transfer request identifying the recipient by the public identifier, the funds transfer request being received via a computer network; determining, by the computer system, a private identifier for the recipient based on the public identifier; and transmitting, by the computer system, a funds transfer message via a computer network to cause funds to be transferred from a sender to the recipient, the funds transfer message being generated using the private identifier. | 09-12-2013 |
20130238490 | SYSTEM AND METHOD FOR TRANSFERRING FUNDS - A computer-implemented payment processing method includes receiving, by a first computer system, a funds transfer request from a sender having a first account at a first financial institution, the first financial institution being a member of a first computer-implemented payment network, the funds transfer request including an identifier for a recipient, the recipient having a second account at a second financial institution, the second financial institution being a member of a second computer-implemented payment network; based upon the identifier for the recipient, determining by the first computer system whether the recipient is registered with the second computer-implemented payment network; and upon determining that the recipient is registered with the second computer-implemented payment network, transmitting by the first computer system a funds transfer message via the first and second computer-implemented payment networks to cause funds to be transferred from the sender to the recipient. | 09-12-2013 |
20130238491 | SYSTEM AND METHOD FOR TRANSFERRING FUNDS - A method includes registering a public identifier for a recipient, including authenticating the public identifier; receiving a funds transfer request to transfer funds from a sender to the recipient, the request including the public identifier and being received from a second computer system, the first and second computer systems being associated with a first and second entity, respectively, the recipient having an account at the first entity and the sender having an account at the second entity; identifying the recipient based on the public identifier, including identifying account number information for the recipient based on the public identifier; depositing the funds into the account of the recipient based on the identified account number information; and providing a warranty to the second entity that the public identifier is valid, wherein the first entity is responsible for refunding money to the sender if the identifier is not validly associated with the recipient. | 09-12-2013 |
20130238492 | SYSTEM AND METHOD FOR TRANSFERRING FUNDS - A method for facilitating transfer of funds from a sender to a recipient, the method comprising: receiving a funds transfer request from the sender having a first account at a first financial institution, determining that the recipient is not registered with the payment network, transmitting an invitation to the recipient to join the payment network, receiving the token from the recipient in response to the invitation, collecting identifying information from the recipient including information, including an account number, regarding the second account, creating a first record for the recipient in a database of registered users, and creating a second record for the recipient in an out-of-network database, the second record including the account number for the second account. | 09-12-2013 |
20130238493 | METHODS AND SYSTEMS FOR ROUTING PAYMENT TRANSACTIONS - Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks. | 09-12-2013 |
20130238494 | FEE COLLECTION SYSTEM BY ELECTRONIC MONEY - In a fee collection system a game machine as a charge collective apparatus is provided with a reader terminal for obtaining predetermined identification information from a card, and a reader control unit for outputting to a control board a signal equivalent to an output signal of a coin selector, wherein when a card ID is transmitted from the reader control unit, a management PC refers to charge setting data, determines the consumption amount of electronic money, and requests an account management server to process withdrawal of the consumption amount from an account of electronic money corresponding to the card ID. The management PC notifies the reader control unit the processing result transmitted from the account management server, and outputs to the control board a signal equivalent to the output signal of the coin selector when the withdrawal is successful. | 09-12-2013 |
20130246255 | Systems and Methods for Compensating a Party in a Barter Transaction - A barter transaction system facilitates a barter transaction by determining a monetary compensation amount to compensate a party in a barter transaction when another party in the barter transaction fails to fulfill his/her obligation in the transaction. The barter transaction involves an exchange of a first non-monetary item from a first user with a second non-monetary item from a second user. The barter transaction system determines a compensation amount for compensating the first user based on a monetary value that the second user perceives of the second item. The perceived value is given by the second user and assigned to the second non-monetary item. The barter transaction system also allows the first and second user to negotiate the perceived value until both users agree to the barter transaction. | 09-19-2013 |
20130246256 | Object Information Derived From Object Images - Search terms are derived automatically from images captured by a camera equipped cell phone, PDA, or other image capturing device, submitted to a search engine to obtain information of interest, and at least a portion of the resulting information is transmitted back locally to, or nearby, the device that captured the image. | 09-19-2013 |
20130254097 | Methods, Systems, and Products for Charging Batteries - Methods, systems, and products describe payment for charging a battery. A battery identification number is received that uniquely identifies the battery. The battery is charged with electrical power, and the electrical power consumed is metered. The battery identification number is associated to the electrical power consumed during charging the battery. A query is made for payment for the electrical power. | 09-26-2013 |
20130254098 | METHODS AND SYSTEMS FOR HANDLING CURRENCY - A bulk deposit can be made at a financial institution based on dealings between a remitter and the remitter's agent. Information concerning transactions between the agent and the agent's customers, is transferred by the agent to the remitter and, in turn, from the remitter to a service provider that is distinct from the agent, the remitter, and the remitter's bank. The service provider can generate a deposit slip and store in a database, information about the slip. This deposit slip is marked with (a) transaction amounts for the agent's customers, (b) the bulk cash to be deposited; and (c) a summary of any discrepancy between the two. The provider makes available to the financial institution at least some of the transaction information including (a) its correlation to the deposit slip, and (b) detail greater than that produced on the deposit slip. | 09-26-2013 |
20130254099 | Online Method and System for an Invitation to bear witness for Union Separations - An Invitation system of having pluralities of methods within a process for providing novel techniques to engage people to form and gather for occasions, implemented from value based Marketing and Promotional activities Digitally and non-Digitally through Wireless communications as well as within the Hypertext Transfer Protocol environment (HTTP) with robust features to bring an engaging experience. The present invention is designed to be a more affective means to communicate information to a responder that would include engaging sets of activities within each invitation process in order to yield affective ways to promote and secure attendance. | 09-26-2013 |
20130254100 | LINK OF MOBILE DEVICES TO FACILITATE MOBILE COMMERCE TRANSACTIONS - In linking mobile devices to facilitate a mobile commerce transaction, a primary mobile device creates an invitation to link to a mobile commerce account of the primary mobile device with a mobile commerce payment system and sends the invitation to a secondary mobile device. The secondary mobile device receives the invitation from the primary mobile device and sends an agreement to link to the mobile commerce account to the primary mobile device. The primary mobile device receives the agreement from the secondary mobile device and sends credentials for linking to the mobile commerce account to the secondary mobile device. The secondary mobile device receives the credentials from the primary mobile device and acquires information for enabling the link to the mobile commerce account using the credentials. The secondary mobile device links to the mobile commerce account using the information. | 09-26-2013 |
20130254101 | Payment device policy management - A method enables user-directed, selective control of payment transactions for a user's payment device by enabling a payment device user to create and manage self-defined policies on how a particular payment device (tangible or intangible) may be used. This approach enables the end user, as opposed to the financial or commercial institution, to control transactions with respect to the account. Thus, for example, using a display interface, the account holder can control factors such as: allowed or disallowed vendors, a number of charges, timing of charges, a charge frequency, types of purchases allowed, and the amount charged. This fine-grained, device-specific control mechanism enables account holders to protect financial assets against fraudulent or improper activity. The approach provides a policy management system by which user-directed options for selectively controlling and restricting payment transactions may be realized, thereby providing better security and more customized account control. | 09-26-2013 |
20130254102 | Systems and Methods for Distributing Tokenization and De-Tokenization Services - This disclosure describes systems and methods related to distributing tokenization and de-tokenization services. Information associated with a proposed payment transaction may be received by a payment transaction service provider system. The information may comprise a token generated by a tokenization service provider. A de-tokenization service provider separate from the tokenization service provider may be identified based at least in part upon the received information. The token may be routed by a payment transaction service provider system to the de-tokenization service provider for processing. | 09-26-2013 |
20130254103 | MONEY TRANSFER SMART PHONE METHODS AND SYSTEMS - A method includes establishing a first funds transfer account associated with a first device and a second funds transfer account with a second device, funding at least the first fund account, and selecting the second device as the recipient of a funds transfer from the first device. The method further includes sending a communications link request from the first device to the second device and receiving acceptance of the communications link request from the second device. The method then establishes a communications link between the first device and the second device, initiates a funds transfer from the first device to the second device, wherein the amount is designated at the first device, and verifies the funds transfer amount, the first funds transfer account, and the second funds transfer account. Then, the method transfers the amount to the second funds transfer account associated with second device. | 09-26-2013 |
20130262292 | METHODS AND SYSTEMS FOR PROCESSING PAYMENTS GLOBALLY OVER ONE OF A PLURALITY OF PROCESSING PATHS - Methods and systems of processing payments globally over one of a plurality of payment processing paths employ computer hardware and software for receiving a request to access a global payment utility, presenting a plurality of payment options by the global payment utility, and receiving information by the global payment utility consisting at least in part of a source of payment, a payment destination, and a user-designated payment vehicle. Upon receiving the information, one of a plurality of payment processing paths for the payment is selected according to a clearing rules aspect of a rules engine of the global payment utility, and the payment is routed for processing via the selected payment processing path. | 10-03-2013 |
20130262293 | VARIABLE CHARGING OF AUDIENCE MEMBER TEMPORAL VIEWING OF A LIVE VIDEO CHAT PERFORMANCE - A method, system, and computer program product for variable charging is provided. The method can include receiving a request to access a video conference from a computing device of a viewer, calculating an audience size contemporaneously accessing the video conference and varying a rate charged to the viewed according to the calculated audience size. Optionally, the rate can be displayed on the computing device. | 10-03-2013 |
20130262294 | TRACKING AND MANAGING GROUP EXPENDITURES - A group including plurality of users is established. A transaction record is maintained for the group that includes a plurality of payment transactions. Each of the plurality of payment transactions involves at least one user of the group. Additionally, a balance is maintained that indicates an amount owed by a first user of the group to a second user of the group based on one or more of the plurality of payment transactions. When a settling event occurs, the balance is settled by initiating a transfer of funds between the first user and the second user. | 10-03-2013 |
20130262295 | DIGITAL EMULATION OF CASH-BASED TRANSACTIONS - Disclosed is a method for digital emulation of cash-based transactions. The method associates a unique link to detailed encrypted data contained in a database for a credit card, debit card, pre-paid card, a currency denomination; or a payment transaction involving one or more of them. By unique link is meant a short URL, URL or unique web address or unique identifier. The unique link is a link to a value in an associated currency value. | 10-03-2013 |
20130262296 | PAYMENT IDENTIFICATION CODE AND PAYMENT SYSTEM USING THE SAME - A payment method including determining whether a first routing identifier included in a payment instruction has routing information for a financial institution. The payment instruction also includes a payee-related identifier. If the first routing identifier is determined to include routing information for a financial institution, then a payment message is transmitted based on the first routing identifier, wherein the payment message includes the payee-related identifier. If the first routing identifier is determined to not include routing information for a financial institution, then (a) payee-related account identification information and a second routing identifier are retrieved based on the payee-related identifier, and (b) a payment message including the payee-related account identification information is transmitted to a payee-related destination, based on the second routing identifier. The payment message does not include at least one of the payee-related identifier and the first routing identifier. | 10-03-2013 |
20130262297 | SYSTEMS AND METHODS FOR GRADUATED SUSPICIOUS ACTIVITY DETECTION - Systems and methods for evaluating electronic value transfers. Various of the methods include graduating a defined affinity between transactions to increasing levels of scrutiny. At an increased level of scrutiny, reports can be generated indicating suspicious activity and/or interdiction procedures can be implemented to reduce the occurrence of the detected suspicious activity. Various of the systems are tailored to implement the aforementioned methods. | 10-03-2013 |
20130262298 | MULTIFUNCTION WRISTBAND - Embodiments of the invention are directed toward a multifunction wristband (or other wearable device) providing a lifestyle display that outwardly displays to other people the interests and social connections of the wearer, which can include data related to music, social media, charities, and more. The multifunction wristband can act either as a stand-alone device or as a companion device to another personal electronic device. Furthermore, it can incorporate a variety of additional useful features. | 10-03-2013 |
20130262299 | ELECTRONIC PAYMENT DEVICE ABLE TO RECEIVE AND HOLD A PORTABLE TELEPHONE - An electronic payment device is provided, which includes a chip card reader. The device has a housing able to receive and hold a portable telephone, a connector for connection with the portable telephone, and a data processor able to receive information relating to a payment and to exchange data with a remote server via a telephone communication implemented by said portable telephone. | 10-03-2013 |
20130268429 | Real estate plan methods and systems - Methods and systems for executing a real estate plan for addressing transaction costs relative to a closing of a real estate transaction between a real estate buyer and a real estate seller. The methods and systems facilitate a negotiation between the real estate buyer and the real estate seller of a real estate plan commission fee payable to a real estate plan agent at the closing of the real estate transaction, the real estate commission fee being representative of one or more duties of the real estate plan agent in executing the real estate plan. The methods and systems further generate a real estate plan agreement between the real estate buyer and the real estate seller with the real estate plan agreement specifying the real estate plan commission fee. | 10-10-2013 |
20130268430 | METHOD AND APPARATUS FOR DYNAMIC GIFT CARD PROCESSING - A methods and apparatus for dynamic gift card processing are disclosed. In a computer-implemented method, a list of one or more products requested by a first party is displayed. At least one payment is received from at least one funding party for at least a portion of one or more of the products. The received payment(s) are stored at an account. A first request is received for the first party to utilize funds from the account for a purchase of one of the products. A gift card is issued to the first party for a first amount of funds. The first amount may be an amount specified by the first party, or the first amount may be the lesser of a remaining balance for the purchase of said one product by the first party, and a second, predetermined, amount of funds. | 10-10-2013 |
20130268431 | SYSTEMS, DEVICES, AND METHODS FOR MANAGING A PAYMENT TRANSACTION - Disclosed herein is a method for managing a payment transaction wherein a processor receives a transaction information input corresponding to a particular card type. The processor then accesses a BIN table and a rate table to calculate a fee based on the transaction information input and compares the calculated fee with alternate fees corresponding to alternate card types. A card type corresponding to a determined lowest fee between the calculated fee and the alternate fees is then outputted. The processor then completes the payment transaction by accessing transaction information corresponding to a user selected card type. | 10-10-2013 |
20130268432 | GIFTING SYSTEM - A system for purchasing and delivering a specific gift, in which, at the time of the purchase, the buyer, instead of being provided with the gift, is provided with a gift proxy or special package which includes a gift token which includes an authentication device. The gift proxy also includes a picture of the specific gift. The buyer delivers the gift proxy to the recipient. At a future time and place, not necessarily pre-determined, the recipient provides the gift proxy to the seller, the seller authenticates the gift proxy, and the recipient receives the gift from the seller. A centralized and networked order management system monitors the gift tokens. The system can be online and/or store oriented, and can be used to transact in goods and/or services other than gifts. | 10-10-2013 |
20130275295 | PRESENTING A TRAVEL ROUTE USING MORE THAN ONE PRESENTATION STYLE - Techniques are provided for presenting a route in a manner that emphasizes the route and provides context information. For example, a vivid color or vivid colors may be used to display the route, and pastel colors or other desaturated colors may be used for non-route context information. This may result in a map in which the vivid colors of the route stand out over the faded style of the non-route context information to emphasize the route. In this manner, the map may both emphasize the route and provide context information for the route. | 10-17-2013 |
20130275296 | Proximal Customer Transaction Incented By Donation of Auto-Boarded Merchant - Address, time, and rules obligating donee donations are auto-populated for merchants whose authorization responses for transactions conducted on accounts are used to obtain account holders' travel time to the merchants'. When travel time is proximal to the auto-populated time, the rule and the transaction currency amount are used to calculate the merchant's donee donation, which donation can be messaged for auditing of donations paid and payable. A predetermined time after each such transaction, the merchant is sent a notice as to the difference between obligatory donee donations and the donee donations received. Auto-populated addresses, times, and rules are amendable by the merchant, and the donee amendable by the account holder, whereby the merchant selects the donation, and the account holder selects the donee. Answers to account holder surveys, upon receipt, increments currencies for account holder or donee with greater increment for fast answers. | 10-17-2013 |
20130275297 | REAL ESTATE SETTLEMENT USING DEDICATED DEPOSIT ACCOUNTS - Real estate settlements can be facilitated using dedicated deposit accounts so that last-minute adjustments can be avoided, and funds in the transaction can be readily transferred. A settlement manager provides estimates for funds required from at least one of a buyer and a seller based on terms of the real estate settlement and communicates hold requests. Funds are held based on the estimates provided by the settlement manager, where held funds remain in the respective deposit accounts but are otherwise unavailable. The settlement manager determines final settlement amounts, and the settlement manager initiates a transaction to transfer the final settlement amounts according to parameters of the real estate settlement. Subsequently, the computer system releases any remaining held funds in the respective deposit accounts. | 10-17-2013 |
20130275298 | CONDITIONAL BALANCE MANAGEMENT FOR NON-ISSUER DEBIT INSTRUMENTS - A computer receives information about a debit account controlled by a third-party issuer, a user owing the account and instructions for managing the account after a specified trigger date. Operating according the instructions, an unknown remaining balance in the account may be exhausted after the trigger date has passed, using a sequence of charges responsive to the initial balance, to the last charge amount completed or attempted, and to whether or not the last charge amount is accepted. In the alternative, or in addition, the account may be managed to convert the remaining balance to a non-monetary coupon (e.g., “virtual currency”) for use in an online computer game or the like, after the trigger date. | 10-17-2013 |
20130282559 | SYSTEMS AND METHODS FOR FACILITATING COMMERCIAL TRANSACTIONS UTILIZING A SYSTEM CURRENCY - Disclosed herein are systems and methods for facilitating commercial transactions between a plurality of associated parties utilizing a form of currency referred to herein as “system currency” which provides economic utility to all associated parties. The associated parties conducting commercial transactions may include one or more consumers, one or more vendors and one or more banks. The systems and methods for facilitation of commercial transactions may be embodied in a transaction facilitation system, which may comprise a computer network, a human-operated network, or another form of organization or network capable of providing the required functionality. A system transaction facilitator may be present for operating the transaction facilitation system. | 10-24-2013 |
20130282560 | APPLICATION ACCESSIBILITY SYSTEM AND METHOD - A system and method are provided for providing remote access to a software application over a communication network. In an embodiment, user information and authentication information are stored. An information processor provides a first instance of the software application to a computing device and captures a video stream associated with the first instance of the software application. The captured first video stream is processed to provide a first data stream that is interpretable by a web browser. The first data stream is sent to the browser, and a second data stream is received that represents input from the user. The second stream is decoded and the input represented by the stream is entered into the software application. | 10-24-2013 |
20130282561 | SEND AND RECEIVE SIDE CONTROL OF MONEY TRANSFER PARAMETERS - A computer system in a money transfer transaction. A request is received from a sender on a send computer to send a money transfer having a send amount. The sender is prompted on the send computer to select one or more parameters associated with the money transfer, the one or more parameters comprising money transfer receiver information including a receiver location. Money transfer fees associated with the money transfer are analyzed for a plurality of receive locations proximate the receiver location based on the selected one or more parameters. A receive location offering a lowest money transfer fee is selected from the plurality of receive locations. The send amount and fee for the selected receive location are collected from the sender. Information related to the money transfer is then stored, including the selected one or more parameters and the receive location, in a money transfer server. | 10-24-2013 |
20130282562 | SYSTEMS AND METHODS FOR PREVENTING FRAUDULENT PURCHASES - In one aspect, a computing apparatus is configured to monitor purchase transactions in accordance with rules and patterns learned in response to exposure to information relating to prior fraudulent transactions. A Fraud Alert Service (FAS) monitors and identifies possible fraud transactions based on stored data and learned behavioral patterns. The FAS integrates various entities to minimize financial loss to the entities due to fraudulent transactions through data integration, early detection, and timely notifications. | 10-24-2013 |
20130282563 | Systems and Methods for Routing Debit Transactions - Systems and methods for routing debit transactions. In one embodiment, a method for routing debit transactions can be provided. The method can include obtaining, by a routing determination system comprising one or more computers, information associated with a proposed debit transaction. The method can also include identifying, by the routing determination system based at least in part upon the obtained information, one or more merchant parameters associated with a merchant on whose behalf the proposed debit transaction will be submitted to a transaction processor. Further, the method can include determining, by the routing determination system based at least in part upon the one or more merchant parameters, a debit transaction network for routing the proposed debit transaction to the transaction processor, wherein the debit transaction network is included in a plurality of available debit transaction networks. | 10-24-2013 |
20130282564 | SYSTEM AND METHOD FOR TRANSMITTING APPLICATION DATA BETWEEN TWO COMMUNICATION DEVICES - The disclosure recites a system and method for transmitting data from a first communication device to a second communication device. The method comprises: accessing data relating to applications installed on the first communication device; upon activation of a transmit command at the first device, preparing the data for transmission to the second communication device; and upon establishment of a communication channel between the first communication device and the second communication device, transmitting the data from the first communication device to the second communication device over the communication channel. In the method, the data provides content identification data for the applications; and the applications are stored on a server for retrieval by the second communication device using the content identification data. | 10-24-2013 |
20130282565 | SYSTEMS AND METHODS FOR MANAGING TRANSACTIONS FOR A MERCHANT - A method and system for managing payment transactions for a merchant using a computing device coupled to a memory device is described. Each transaction is initiated by a consumer using a payment card. The method includes receiving a registration request from a candidate merchant for enrollment within a manager module wherein the registration request includes registration data associated with the candidate merchant, executing a primary approval process using at least some of the registration data, and transmitting an account request message requesting an opening of a merchant account for the candidate merchant with an acquiring bank upon approval. The method further includes receiving, in real-time, merchant account data associated with the candidate merchant from the acquiring bank upon approval by a secondary approval process wherein the candidate merchant becomes a registered merchant upon the secondary approval. The method further includes managing a first payment transaction submitted by the registered merchant. | 10-24-2013 |
20130282566 | Methods and Systems for Processing Payments Globally Over One of a Plurality of Processing Paths - Methods and systems of processing payments globally over one of a plurality of payment processing paths employ computer hardware and software for receiving a request to access a global payment utility, presenting a plurality of payment options by the global payment utility, and receiving information by the global payment utility consisting at least in part of a source of payment, a payment destination, and a user-designated payment vehicle. Upon receiving the information, one of a plurality of payment processing paths for the payment is selected according to a clearing rules aspect of a rules engine of the global payment utility, and the payment is routed for processing via the selected payment processing path. | 10-24-2013 |
20130282567 | Method and System for Secure Mobile Remittance - This invention provides a system and method for reducing the fraud related to remittance transactions initiated at web portals. In one embodiment, mobile technologies that are available to consumers can be used to reduce fraud associated with remittance transactions. For example, a funding agency computer that enables a remittance transaction can request that a mobile platform computer verify a customer with a mobile personal identifier. The mobile platform computer can request the mobile personal identifier from a customer via the customer's mobile handset device. The mobile platform computer can determine whether the identifier received from the customer's mobile handset device matches the mobile personal identifier stored for the customer. If the mobile platform computer is able to verify the customer, the mobile platform computer can provide a verification confirmation message to the funding agency computer. | 10-24-2013 |
20130282568 | SYSTEM AND METHOD FOR PROCESSING AND SETTLING PAYMENT INSTRUCTIONS RELATING TO VARIOUS FINANCIAL INSTRUMENTS - A system for facilitating settlement of payments relating to transactions involving financial instruments among multiple participants is provided. An interface receives from participants first and second instructions associated with a financial instrument of a first form, and first and second instructions associated with a financial instrument of a second form. A first processor establishes an association between, and applies a first set of pre-settlement rules to, the first and second instructions associated with the financial instrument of the first form. A second processor establishes an association between, and applies a second set of pre-settlement rules to, the first and second instructions associated with the financial instrument of the second form. | 10-24-2013 |
20130282569 | METHOD, TERMINAL AND SYSTEM FOR PROVIDING DATA TRANSMISSION AND FINANCIAL TRANSACTION BASED ON THE POSITION OF MOBILE TERMINALS HAVING SHORT-RANGE COMMUNICATION FUNCTION - Method and terminal for performing a financial transaction based on a relative position between terminals. A system for performing a financial transaction based on a relative position of mobile terminals includes: a user terminal configured to generate payment data in association with a transaction amount and to deduct the transaction amount from a payer account; a transaction terminal configured to receive the payment data from the user terminal by use of short-range communication and to add the transaction amount corresponding to the payment data to a payee account; and a financial server configured to approve the financial transaction based on the payment data, wherein the payment data is determined by a positional relationship between the user terminal and the transaction terminal. | 10-24-2013 |
20130282570 | METHOD AND SYSTEM FOR NFC TRANSACTION - A method for performing a transaction between a portable device and a transaction terminal includes establishing a communication channel between the portable device and the transaction terminal; establishing a first data link between the transaction terminal and the transaction server; and using an application program in the transaction server to perform the transaction with the transaction terminal through the data link, on behalf of the portable device. | 10-24-2013 |
20130290169 | MANAGING FINANCIAL TRANSACTIONS USING TRANSACTION DATA FROM SMS NOTIFICATIONS - The disclosed embodiments provide a system that facilitates management of a financial transaction. During operation, the system obtains transaction data for the financial transaction between a user and an organization from a Short Message Service (SMS) notification on an electronic device of the user. Next, the system determines a category of the financial transaction based on the transaction data. The system also displays the transaction data and the category on the electronic device. Finally, the system uses the displayed transaction data and the displayed category to enable, for the user, management of the financial transaction without accessing the transaction data at the organization. | 10-31-2013 |
20130290170 | ESTABLISHING PERSONALIZED MOBILE MONEY TRANSFER LIMITS - Methods and arrangements for establishing financial transfer limits. A customer reputation score for mobile money transfer is determined. A mobile money transfer limit is established based on the customer reputation score, and the customer reputation score is updated in response to predetermined parameters. | 10-31-2013 |
20130290171 | SYSTEM AND METHOD FOR FORMING, MANAGING AND EXECUTING AN ESCROW AGREEMENT RELATED TO AN EMPLOYMENT CONDITION - A method and system are provided that enable the negotiation, formation, monitoring, documentation and performance of an escrow agreement related to an employment condition. The escrow agreement may be managed and fulfilled by an escrow service. A first party may offer an agreement to a second party wherein the escrow agreement offers consideration to the second party in return for a performance by a third party related to an employment condition. The first party and second party may negotiate, modify and form the escrow agreement by means of an information technology network, such as the Internet or a telephony network. One or more escrow payments may be delivered to one or more parties while an aspect of employment as stipulated in the escrow agreement is maintained or provided by the third party. The escrow payments may be of varying or different values. | 10-31-2013 |
20130290172 | SYSTEM AND METHOD FOR CROWDSOURCING, SELECTING, TRANSACTING GIFTS AND FINANCIAL DISCOUNTS IN PHYSICAL STORES AND E-COMMERCE ENVIRONMENTS - A computer system and software enabling a method for assisting users who are members of a group in identifying trending items and making purchases using selected forms of payment over the Internet on web sites, mobile devices and in physical store locations from trusted vendors to locate and to take advantage of special rates and promotions that may be offered to certain users under specific circumstances. The system enables users, buyers and their social circle of friends of gift givers to identify, curate, manage and purchase gifts & services and take advantage of digital gift cards, credit cards & coupons to get the best price. | 10-31-2013 |
20130290173 | METHOD, PROCESS AND SYSTEM FOR PROVIDING AND RECEIVING COMPENSATION OR A GRATUITY THROUGH THE INTERNET - An inventive business method and process operated and presented over the internet and using computer software systems, comprises an interactive compensation transmission, receipt, and accounting system. In a preferred embodiment, the inventive method and process may be used to easily allow internet users to provide or receive compensation, in the form of a gratuity or tip to or from other internet users, in response to information, input or other assistance received over the internet. The inventive method and process may also include and use accounting software and systems to track the gratuities transmitted or received, including who are the sending entities and recipient entities. With additional software, the method and process may permit the users to provide anonymous gratuities; periodic gratuities; and certain other accounting features. | 10-31-2013 |
20130290174 | Computer Enabled Methods and Systems for Facilitating Micropayments via Public Networks - A computer enabled system for facilitating electronic micropayments in which an accounting application receives a vendor submission a remote vendor server via a public communications network. This includes identifiers for the vendor, the customer and an item selected by the customer. The accounting application then checks the status of the customer's account. If it has sufficient funds, the transaction proceeds. The customer account is conditionally debited, and the vendor account conditionally credited with the transaction amount, including fees. A transaction confirmation is sent to the vendor application which then confers usage rights for the item to the customer. The accounting application periodically reconciles the vendor and customer accounts, deducts any service fees, and makes a single payment to each vendor. This single payment only incurs a single per-transaction credit-card company fee, thereby spreading it across multiple purchases and clients, making micro-transactions profitable. | 10-31-2013 |
20130290175 | COMMUNICATION DEVICE, COMMUNICATION METHOD, AND COMMUNICATION SYSTEM - There is provided a communication device including a secure communication unit configured to perform secure communication, the secure communication being secure close-proximity communication, a high-speed communication unit configured to perform high-speed communication, the high-speed communication being close-proximity communication that is faster than the secure communication, and a power transmission unit configured to perform power transmission. Communication via the secure communication and the power transmission of the power transmission unit may be performed at timings that do not temporally overlap with each other. | 10-31-2013 |
20130297490 | METHODS AND SYSTEMS FOR ROUTING AND SETTLING PAYMENT TRANSACTIONS ELECTRONICALLY - Methods and systems for routing payment transactions electronically for multinational vendors in a transnational business environment in which an integrated payments platform processor is used in receiving payment transactions related to a plurality of different countries by a financial institution for online purchases. Each payment transaction is interrogated, using the integrated payments platform processor, to identify the payment transaction as an internal type of transaction or an external type of transaction and a country to which the payment transaction relates. Internal types of transactions are routed to an internal transaction processing path and external types of transactions to an external processing path, and the financial institution may arrange settlement of each payment transaction likewise using the processor. | 11-07-2013 |
20130297491 | PRODUCT-CENTRIC CHARGING SYSTEM AND METHOD - A method of operating a charging system ( | 11-07-2013 |
20130297492 | CHARGEBACK AUTOMATION SYSTEM AND METHOD - E-commerce customers may dispute a charge for various reasons. When they dispute a charge with the payment processor, the payment processor reverses the charge and notifies the payment gateway that transacted the payment. An automated chargeback dispute program is scheduled to run each day to collect data for disputing the chargeback notifications. Data is extracted from the payment processing gateway and e-commerce platform that performed the original transaction. The data is formatted into a response, such as a letter, file, or API message and electronically submitted to the issuing bank. | 11-07-2013 |
20130297493 | METHOD FOR ENABLING GIFT PREPAY - A variation of the invention is a method that: based on an action of a recipient stored in a social networking system, identifies recipient interest in a product; based on an association between the recipient and a sender stored in the social networking system, prompts the sender to supply a fund to be applied to a purchase of the product by the recipient; requests a financial account identifier from the recipient; identifies recipient initiation of a purchase of the product from the merchant based on a financial account identifier collected, by the merchant, from the recipient; adjusts a purchase price of the product for the recipient, prior to completion of purchase, to reflect the fund supplied by the sender; generates a notification indicating purchase of the product by the recipient; and initiates transfer of the fund to the merchant in response to recipient purchase of the product. | 11-07-2013 |
20130297494 | MONEY TRANSFER SYSTEM AND MESSAGING SYSTEM - A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient. | 11-07-2013 |
20130297495 | Application Server Billing - An Application Server entity in an IP Multimedia Subsystem (IMS) network comprises an interface for interfacing with an application and control logic which is arranged to inspect signaling information received from the application via the interface in the form of Extensible Markup Language (XML). The received signaling information is compared with stored rule data which specifies a relationship between an element in the signaling information and an action that should be taken and output data is generated based on the comparison. The Application Server can output operational measurements and/or charging information which more accurately reflect usage made of the Application Server resources. The need for a separate OSA/Parlay-X gateway can be avoided. | 11-07-2013 |
20130297496 | Apparatus and Method for Processing Service Interactions - An interactive voice and data response system that directs input to a voice, text, and web-capable software-based router, which is able to intelligently respond to the input by drawing on a combination of human agents, advanced speech recognition and expert systems, connected to the router via a TCP/IP network. The digitized input is broken down into components so that the customer interaction is managed as a series of small tasks performed by a pool of human agents, rather than one ongoing conversation between the customer and a single agent. The router manages the interactions and keeps pace with a real-time conversation. The system utilizes both speech recognition and human intelligence for purposes of interpreting customer utterances or customer text, where the role of the human agent(s) is to input the intent of caller utterances, and where the computer system-not the human agent-determines which response to provide given the customer's stated intent (as interpreted/captured by the human agents). The system may use more than one human agent, or both human agents and speech recognition software, to interpret simultaneously the same component for error-checking and interpretation accuracy. | 11-07-2013 |
20130297497 | Systems and Methods Involving Processing of Payments Using Handheld Devices - Embodiments of the invention provide systems and methods for allowing merchants to perform remote credit card transactions by facilitating non-CNP transactions via a package delivery service. A non-CNP transaction includes a credit card transaction where the card is physically presented to the merchant and a receipt may be signed. Various embodiments may also include transactions in which an imprint of the card is taken. | 11-07-2013 |
20130304631 | WI-FI HOT-SPOT NETWORKING ECOMMERCE - Methods and systems for using a device as a wireless hotspot service provider are disclosed. An exemplary method for providing a hotspot service provider includes performing a first registration of a first device as a first hotspot service provider in a first coverage are of the first device. The first registration includes identifying an account of an owner of the first device. A second registration of a second device as a hotspot service consumer is also performed. The second registration includes identifying an account of an owner of the second device. A first amount is charged against an account of the owner of the second device based on a resource usage by the second device via the first device. At least a portion of the first amount is credited to the account of the owner of the first device. | 11-14-2013 |
20130304632 | SYSTEMS AND METHODS FOR AN ONLINE PAYMENT SYSTEM WITH A DEMURRAGE CHARGE - A system and method to control an online payment system are disclosed. A user account of the online payment system may be subjected to a demurrage charge and a cash-out charge. In some embodiments, the demurrage charge is based on a percentage of the amount of funds currently deposited in the user account. The demurrage charge may be applied to the user account at a particular time interval or unit of time. The cash out charge may be applied to funds that are transferred out of the user account to an external account that is not controlled by the online payment system. In some embodiments, the demurrage charge may encourage frequency of transactions between users as well as increasing networks of users. Moreover, transactions between users involving transfer of funds between user accounts controlled by the online payment system may not be subject to fees. | 11-14-2013 |
20130304633 | INTERACTIVE SYSTEM - An interactive system for creating, offering and processing a series of partial transactions between one or more nodes in substantially real time to establish a complete transaction between two nodes is disclosed. The system may include a delivery node for offering partial transactions, a central node configured to receive and collate partial transactions from the delivery node and to provide information regarding partial transactions simultaneously to one or more user nodes configured to receive and review partial transactions from the central node, and a parsing module is provided which is configured to amend pre-selected details pertaining to the or each partial transaction delivered to it by the delivery node to generate at least one parsed partial transaction. | 11-14-2013 |
20130304634 | Systems and Methods for Performing Funds Freeze and/or Funds Seizure with Respect to Prepaid Payment Cards - Systems, mechanisms and processes are provided to allow law-enforcement officials, when encountering the potential use of prepaid payment cards in the furtherance of a crime or in relation to criminal activities, to ( | 11-14-2013 |
20130304635 | MOBILE TERMINAL AND CONTROLLING METHOD THEREOF - A mobile terminal and controlling method thereof are disclosed. The present invention supportive of NFC (near field communication) technology includes a controller configured to control an offer of at least one 1 | 11-14-2013 |
20130304636 | System and Method for Payment Reconciliation Against Expressive Contracts - In a computer-implemented method of conducting expressive payment reconciliation, a purchase transaction is stored in a computer storage accessible to a processor. The processor identifies a contract against which the purchase transaction is made and a first payment amount for the purchase transaction. Contract data is stored in the computer storage and the processor determines a second payment amount for the purchase transaction based on at least one good or service associated with the purchase transaction and the data about the contract. In response to a difference in the first and second payments, the processor either stores computer storage a modified invoice with a modified payment amount, stores in the computer storage a reconciliation payment equal to the payment difference; outputs over a computer network an explanation of the modified payment; or outputs over a computer network a dispute notification. | 11-14-2013 |
20130304637 | FRAUD CONTROL INTEGRATED FORM FILLING TOOL - A system and method for fraud prevention is provided. This system and method may comprise a form filing application. Form filling application may comprise enhanced authorization data capture capabilities. A system for transmitting an authorization request and a request for fraud services to a transaction account issuer is disclosed. The transaction account issuer may combine the authorization request and request for fraud services with additional enhanced authorization data to create an authorization response. | 11-14-2013 |
20130304638 | METHOD AND SYSTEM TO PROCESS PAYMENT USING SMS MESSAGING AND A MOBILE-OPTIMIZED WEB FORM - Provided is a method and system for processing payment/information, including receiving, by an electronic circuit of a mobile communication device, a payment/information processing statement for a customer by a short message service (SMS) message, the payment/information processing statement including an online payment/information URL personalized to uniquely identify the customer. Next, the online payment/information URL is extracted from the SMS, and a mobile-optimized web page is accessed using the online payment/information URL. A customer's online payment/information form is then received and completed by the customer, then forwarded to a secure payment form server. | 11-14-2013 |
20130311356 | Secure File Transfer with Electronic Payment Integration - A system for securely transferring an electronic package from one user to another includes a mechanism for requiring payment from the recipient of an electronic package before the recipient is permitted to receive the package. The sender of an electronic package may specify one or more files to be included in the package, one or more recipients of the package, and an amount of a required payment. Each recipient is notified of the electronic package and prompted to provide payment. The system permits each recipient to download the electronic package only if that recipient provides the required payment. The sender may specify a different payment amount for each recipient. The sender may add, delete, and modify files within the package over time. When a recipient downloads the package, the files that are within the package at that time are provided to the recipient. | 11-21-2013 |
20130311357 | METHODS FOR FACILITATING ONLINE TRANSACTIONS INVOLVING A PLURALITY OF UNIQUE CURRENCIES - The invention discloses methods for allowing a user to optimize online purchases of goods or services by providing real-time exchange data between a plurality of relevant currencies. Users may opt to put off a purchase or payment of a purchase based on currency exchange trajectories as presented at the time of “check out” from an Internet purchase. | 11-21-2013 |
20130311358 | DYNAMIC MANAGEMENT AND NETTING OF TRANSACTIONS USING EXECUTABLE RULES - Systems and methods for dynamically managing and netting transactions based on one or more sets of netting rules are disclosed. The present invention dynamically associates transactions with one or more collections based on the execution of netting rules to identify transactions that may be ideal for netting and to perform netting operations and calculations accordingly. The present invention may execute the netting rules according to the priority of the netting rule within a rule hierarchy and utilizes unique solutions allowing for the efficient processing of transactions even as netting rules are created, modified and removed from time-to-time. In addition, embodiments of the disclosed netting system utilize denormalized sets of data and maintain a complete audit trail for all operations. | 11-21-2013 |
20130311359 | TRIPLE-CLICK ACTIVATION OF A MONETIZING ACTION - A method and product for triple-click activation of a monetizing action. The method comprising: detecting, by a web browser displaying a web page, a triple-click action by a user; and in response to said detection performing a monetizing action, wherein the monetizing action is based upon a context of the triple-click action. A client-side script comprising computer readable medium retaining program instructions executable by a web browser, wherein the client-side script is configured to be associated with an object of a web document using an instruction; wherein the client-side script is configured to cause the web browser to invoke a monetizing action in response to a user performing a triple-click action on the object, wherein the monetizing action is based upon the object; and wherein the web document is a HyperText Markup Language (HTML) document or an Small Web Format (SWF) document. | 11-21-2013 |
20130311360 | PAYMENT MESSAGE ROUTING USING GEO-LOCATION - Methods and system for enabling safe and efficient money transfer between a sender and a beneficiary are provided. The method includes communicating with a beneficiary's mobile device to ascertain the beneficiary's current geo-location. Based on the geo-location and funds at hand, one or more receiving agents are selected to fulfill the transfer. The beneficiary is offered a choice of agents and the selected agent is provided with the money transfer details to complete the transfer. | 11-21-2013 |
20130311361 | SHARING VIRTUAL SPACE IN A VIRTUAL UNIVERSE - An approach that provides sharing of the same virtual space by a plurality of avatars in a virtual universe by grouping the avatars belonging to the virtual space and isolating each group. In one embodiment, there is an isolating tool, including a grouping component configured to group each of the plurality of avatars belonging to defined virtual space according to predefined grouping criteria. The isolating tool further includes an isolating component configured to isolate each group within each of the plurality of virtual spaces based on the grouping. | 11-21-2013 |
20130317975 | SYSTEMS AND METHODS FOR INTERFACING MERCHANTS WITH THIRD-PARTY SERVICE PROVIDERS - In an implementation, a transaction request message is received at a computing device, wherein the transaction request message is associated with a merchant. Profile information associated with the merchant is retrieved by the computing device. Based in part on the retrieved profile information associated with the merchant or the transaction request message, third-party service providers associated with the transaction request message are determined by the computing device. Profile information associated with the determined third-party service providers is retrieved by the computing device. Based in part on the retrieved profile information associated with the merchant, the retrieved profile information associated with the determined third-party service providers, or the transaction request message, a formatted transaction request message is generated from the transaction request message by the computing device. The formatted transaction request messages may be provided to the determined third-party service providers by the computing device simultaneously or in the future. | 11-28-2013 |
20130317976 | Proxy Shopper Payments - Methods and systems are provided for facilitating payment by one person for products purchased by another person. For example, payment can be authorized, such a by a payment provider, when the purchaser is authorized to make the purchase, the product purchased is authorized for purchase, and the store at which the product was purchased is authorized for such purchasing by the other person. | 11-28-2013 |
20130317977 | System and Method for Managing Leases of Property - An equipment recovery system receives data relating to leased property and associated lease accounts. The system provides lessees with interactive messages that enable them to make payments or payment commitments. Lessees may also make arrangements to return the property or surrender them to retrieval agents. Messages may be left for lessees, enabling them to contact the system or a call center to remedy delinquent payments or arrange return of the property. The system sends interactive messages to agents of lessors enabling them to: check delinquency or payment status; accept payments; make arrangements for the retrieval of the property; or report the outcome of a retrieval attempt. Contact between the system and either the lessee or the agent may be recorded and data received may be stored and reported. | 11-28-2013 |
20130317978 | APPARATUSES, METHODS AND SYSTEMS FOR FACILITATING COMMUNITIES OF SOCIAL NETWORK BASED INVESTMENT - The APPARATUSES, METHODS AND SYSTEMS FOR FACILITATING COMMUNITIES OF SOCIAL BASED INVESTMENT (“PAVE™ apparatuses, methods, systems, programs and interfaces”) transform user input into profile pages, a social networking platform, social based funding agreements and mentorship arrangements. | 11-28-2013 |
20130317979 | Methods, Systems, and Products for Charging Batteries - Methods, systems, and products charge a battery in a vehicle. A charging station selects charging parameters based on a vehicle identification number associated with the vehicle. | 11-28-2013 |
20130317980 | SYSTEMS AND METHODS TO FACILITATE REPEATED PURCHASES - Systems and methods are provided to facilitate repeated purchase and payment transactions. In one aspect, a system includes an interchange and a data storage facility configured to store payment transaction records associated with phone numbers. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. The common format processor is configured to identify a prior payment transaction associated with a phone number in response to a message from a mobile phone having the phone number, communicate with a merchant to repeat a purchase according to the prior payment transaction, and transmit via one of the converters premium messages to the mobile phone to collect funds for a payment to repeat the purchase. | 11-28-2013 |
20130317981 | METHOD, SYSTEM AND APPARATUS FOR PROVIDING PAY-PER-USE DISTRIBUTED COMPUTING RESOURCES - Method, system, apparatus, and computer program and computer program product provide on-demand, scalable computational resources to application providers over a distributed network and system. Resources are made available based on demand for applications. Application providers are charged fees based on the amount of resources utilized to satisfy the needs of the application. In providing compute resources, method and apparatus is capable of rapidly activating a plurality of instances of the applications as demand increases and to halt instances as demand drops. Application providers are charged based on metered amount of computational resources utilized in processing their applications. Application providers access the network to distribute applications onto network to utilize distributed compute resources for processing of the applications. Application providers are further capable of monitoring, updating and replacing distributed applications. Apparatus and system includes plurality of computing resources distributed across a network capable of restoring and snapshotting provisioned applications based on demand. | 11-28-2013 |
20130325696 | CALCULATING A MISCONDUCT PREDICTION VALUE - Examples disclosed herein relate to calculating a misconduct prediction value. Examples include calculating a misconduct prediction value for a remote computing service provider user account from payment data corresponding to a method of payment for consumption of resources of the service provider and utilization data quantifying consumption of a processing resource of the service provider by an application provided to the service provider in connection with the user account. | 12-05-2013 |
20130325697 | PROVIDING POLICY EDUCATION BASED ON TRIGGERS - Systems and methods for promoting policy education associated with one or more accounts of a financial institution are provided herein. The system receives account data associated with the one or more accounts; stores the account data in a storage device; identifies account activity subject to regulations based on the account data; and identifies triggers comprising account costs incurred by outbound transactions based on the account activity. The system then informs the user of institutional or governmental policy related to the triggers. In some situations, the system determines when a trigger indicates unavailable funds or that an account has gone to loss and informs the user of policy related to these accounts. In other situations, the system may also provide suggestions or alternatives to address these accounts. | 12-05-2013 |
20130325698 | FINANCIAL ACCOUNT RELATED TRIGGER FEATURE FOR RISK MITIGATION - Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for risk mitigation. Account triggers may be executed to determine account activity indicative of a risk event. Once a risk event is identified, the financial institution may determine an appropriate action to mitigate foreseeable risk due to the risk event. | 12-05-2013 |
20130325699 | FINANCIAL ACCOUNT RELATED TRIGGER FEATURE FOR DETECTING CHANGES IN FINANCIAL RATIOS - Systems and methods for producing and maintaining account related triggers are provided herein. The systems and methods may be utilized for monitoring of one or more accounts of a financial institution. Triggers may be executed to monitor financial account ratios. Offers may be triggered based on the account ratios or changes in the account ratios. | 12-05-2013 |
20130325700 | METHOD AND APPARATUS FOR SHARING A SERVICE IN A WIRELESS NETWORK - A method and apparatus for sharing a service in a wireless network are disclosed. For example, the method receives a request for sharing a service from a first user endpoint device associated with a first customer, wherein the request is directed to a second user endpoint device associated with a second customer, performs an authentication of the first user endpoint device, determines whether the first user endpoint device has a subscription to a sharing service, determines whether the second user endpoint device has a subscription to the sharing service, attempts to obtain an authorization to enable the first user endpoint device to access the service that is associated with the second user endpoint device, wherein the service is related to a financial transaction privilege and provides a response granting the request for the sharing of the service, if the authorization is received. | 12-05-2013 |
20130325701 | E-CURRENCY VALIDATION AND AUTHORIZATION SERVICES PLATFORM - A computer-implemented system and method for tracking e-currency tokens includes a plurality of e-currency token types defined in computer memory. Using a computer processor, a life cycle of a tracked e-currency token is tracked, the tracked e-currency token being of an e-currency token type that is one of the defined. The tracking is done by receiving an indication that the tracked e-currency token has been used in a transaction, and recording a value for the tracked e-currency token as measured against another asset. Multiple recorded values for the tracked e-currency token are aggregated and a price of the e-currency token type is graded based on at least the aggregated recorded values. | 12-05-2013 |
20130325702 | Payment System - A payment system for making payments with respect to a plurality of purchases, comprising: a user identifier receiver for receiving a user identifier; a funds transfer data receiver for receiving funds transfer data corresponding to a funds transfer; a purchase data retriever configured to retrieve purchase data with respect to the purchases from purchase data stored in association with respective user identifiers in a memory; a funds transfer value generator configured to generate a plurality of funds transfer values, each one of the funds transfer values corresponding to a respective one of the purchases; a payment value calculator configured to calculate a payment value corresponding to each one of the purchases; and a purchase data modifier configured to modify the purchase data retrieved from the memory, and to output the purchase data as modified. | 12-05-2013 |
20130325703 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR MEMBERSHIP PROGRAM MANAGEMENT - The invention is directed to systems, methods and computer program products for managing membership programs. An exemplary method for establishing a membership program comprises: receiving selection of whether the membership program is annual, recurring, or lifetime; receiving selection of whether the membership program is dues-based, contribution-based, or both dues-based and contribution-based; and receiving selection of whether the membership program has a single term or multiple terms. An exemplary method for processing a payment associated with a membership account includes the steps of receiving a payment, the payment representing at least one of a contribution associated with a contribution-based membership account or dues associated with a dues-based membership account; receiving information associated with a payor of the payment amount; receiving information associated with the membership account; and processing the payment based at least partially on the information associated with the payor and the membership account. | 12-05-2013 |
20130325704 | SOCIAL MEDIA AND SOCIAL NETWORKS FOR EVENT CREDENTIALING - Event management includes enrolling prospective participants by associating each participant with a profile. The profile includes the participant's attributes which are vetted automatically or by social networking means. A token is assigned to each profile which enables access to the profiles. An event is created and associated with event access control rules which correspond to various attributes. Access to the event involves scanning the token, accessing a participant's profile and testing attributes in the profile relative to the access control rules. The token can be re-used at different events having different access control rules. | 12-05-2013 |
20130325705 | Managing Merchant Communications - A merchant system structures communications among merchants, partners, and customers. The merchant system may include a messaging component that organizes messages so that a manager can quickly navigate and understand the content of incoming messages. The messaging system also may categorize a user's profile so that a user may share profile information established at a first merchant with a second merchant. | 12-05-2013 |
20130332342 | SYSTEM AND METHOD FOR GATHERING, PROCESSING, AUTHENTICATING AND DISTRIBUTING PERSONAL INFORMATION - Various embodiments of this invention are directed towards a system and method for gathering, processing, authenticating and distributing personal information. Various embodiments of the invention disclose a system and method for gathering personal information from a plurality of sources and making the information available for entities that wish to evaluate or screen the individual. Various embodiments of the invention allow the individual to selectively grant permission to the various evaluating entities on specific background information that is stored within the system. Various embodiments allow the individual to submit information and finance the collection of information, whereby the individual can check the information for accuracy and collect commissions based on the access of the information by requesting entities. | 12-12-2013 |
20130332343 | MULTI-TIERED, SECURE MOBILE TRANSACTIONS ECOSYSTEM ENABLING PLATFORM COMPRISING A PERSONALIZATION TIER, A SERVICE TIER, AND AN ENABLING TIER - A platform for performing secure personalized transactions in a multi-domain ecosystem includes a personalization tier that enables service provider personalization for one or more ecosystem elements stored on a mobile device. Further, the platform includes an enabling tier for facilitating interoperation between the personalization tier and a client device. The platform further includes a service tier that may be operating independently of the enabling tier and may enable service delivery for a plurality of services. | 12-12-2013 |
20130332344 | METHOD AND SYSTEM FOR CORRELATING DIVERSE TRANSACTION DATA - Embodiments of the present invention are directed to methods, systems, and apparatuses for matching e-commerce and physical point-of-sale transaction data. In one embodiment, a method includes receiving, by a computer, first transaction data comprising a payment token or second transaction data comprising a primary account identifier, wherein the payment token is derived from the primary account identifier, and providing, by the computer, a universal account identifier after receiving the payment token or the account identifier, wherein the universal account identifier is a substitute for the payment token and the primary account identifier. | 12-12-2013 |
20130332345 | ENGINE, SYSTEM AND METHOD FOR PROVIDING CLOUD-BASED BUSINESS INTELLIGENCE - An engine, system and method for providing cloud-based business intelligence data, responsively to received company information, including a local front end comprising a graphical user interface capable of locally querying a user for an electronic location of the received company information, and ones of the business intelligence data to be displayed on the graphical user interface upon upload of the received company information from the electronic location, and further including an at least partially remote back end, comprising an accessing engine capable of accessing the electronic location for uploading to the cloud of only ones of the received company information indicative of the ones of the business data intelligence to be displayed, and a charging engine for charging an account of a user of the front end $1 per the ones of the business intelligence data to be displayed. | 12-12-2013 |
20130332346 | SELF-SERVICE TERMINAL, SELF-SERVICE SYSTEM AND TRANSACTION SERVICE METHOD - Embodiments of the present invention disclose a self-service terminal, a self-service system and a transaction service method, to transact a financial transaction service for a user in a manner of interaction with a customer service personnel. The self-service terminal includes: a transaction service unit configured to provide a transaction service corresponding to a transaction service request to a user, according to the transaction service request of the user; and a transaction assistance unit configured to send a transaction assistance request to a customer service terminal according to the transaction service request and receive a transaction assistance response of the customer service terminal to the transaction assistance request, where the transaction assistance response includes auxiliary audio-video information used to assist in completing the transaction service provided by the transaction service unit. | 12-12-2013 |
20130332347 | MONETARY TRANSACTION SYSTEM - Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system. This entity may be a person, a retail store, an agent or other entity. | 12-12-2013 |
20130332348 | SYSTEM AND METHOD FOR PROXY SHOPPING THROUGH MULTIPLE PAYMENTS - The present invention relates to a system and method for proxy purchasing through multiple payments, in which a user informs multiple participants of an intention to purchase designated predetermined goods through a social network, and the predetermined goods can be provided to the user through proxy payment for the goods by collecting partial payments from the multiple participants. The proxy purchasing system and method through multiple payments according to the present invention enables a potential buyer to purchase desired goods for free or at a low price through partial payments from a plurality of unspecified persons, thus providing the effect of alleviating the burden on a potential purchaser requesting a gift and a payer providing a partial payment. | 12-12-2013 |
20130339221 | METHOD AND SYSTEM FOR THE AUTOMATED MANAGEMENT OF OBJECTS PROVIDED WITH RFID TAGS - An automated method is provided for managing objects each provided with an RFID tag having at least one item of identification data associated with the object, the method including a step of reading at least one item of identification data stored in at least one RFID tag arranged on at least one object positioned at the reading site, and further including a deactivation of at least one RFID tag the item of identification data of which has been read so that it is not detected during a fraud detection step. | 12-19-2013 |
20130339222 | SYSTEM ARCHITECTURE AND METHODS FOR COMPOSING AND DIRECTING PARTICIPANT EXPERIENCES - The present invention contemplates a variety of improved methods and systems for providing an experience platform, as well as sentio or experience codecs, and experience agents for supporting the experience platform. The experience platform may be provided by a service provider to enable an experience provider to compose and direct a participant experience. The service provider monetizes the experience by charging the experience provider and/or the participants for services. The participant experience can involve one or more experience participants. The experience provider can create an experience with a variety of dimensions and features. As will be appreciated, the following description provides one paradigm for understanding the multi-dimensional experience available to the participants. There are many suitable ways of describing, characterizing and implementing the experience platform contemplated herein. | 12-19-2013 |
20130339223 | Virtual Credit in Simulated Environments - A method and system provides for the use of credit arrangements in simulated environments. A user can participate in credit transactions involving purchases of virtual products, virtual services, and virtual items of value. Feedback is provided to the user regarding results of the credit transactions. In some embodiments multiple users can make simulated purchases or incur simulated credit obligations that are posted to virtual accounts, and the multiple users can also make simulated compensation against balances due or obligations owed for said virtual accounts. The user is also provided with an opportunity of engaging in real-world financial transactions related to the virtual credit arrangement. In some implementations of the system and method, multiple players at different locations can use virtual charge accounts and/or real world financial accounts in connection with arranging or resolving a virtual credit transaction. | 12-19-2013 |
20130339224 | MONEY TRANSACTION SYSTEM AND A METHOD THERETO - A system and method for providing money transaction between a sender and a recipient, wherein within the system at least one transaction device is configured to receive money inserted therein, determine its value, determine a transaction code for the money and deliver information on at least the value of the inserted money and the transaction code to at least one server. Additionally, the transaction device is configured to receive a transaction code, request, by delivering the received transaction code to the server maintaining money transaction related information, if a corresponding transaction code with information on the value of inserted money is stored in the server, and if a match is found receive from the server an authorization to output a corresponding amount of money in cash as indicated in the information in the server in connection to the transaction code. Finally, the transaction device outputs the corresponding amount of money. | 12-19-2013 |
20130339225 | SYSTEM AND METHOD FOR AUTOMATED PURCHASING WITHIN A BUDGET - The disclosed embodiments include a method, apparatus, and computer program product for automated purchasing within a budget. For example, in one embodiment, a method for performing an online transaction is disclosed that includes receiving information regarding the online transaction, receiving a budget amount associated with the online transaction, performing a search based on the information and the budget amount, and displaying results of the search to a user. | 12-19-2013 |
20130339226 | SYSTEMS AND METHODS FOR ESTABLISHING TRANSACTIONS UTILIZING A DATA STORE OF BILLING INFORMATION - Establishment of transactions via a data store, such as a data store, located in a network environment, such as a cloud computing environment is facilitated. The data store can store information about an entity, including information about one or more bank accounts and associated identifying information, and a third party can search the data store to find the entity. The entity can implement various access controls to restrict the amount of identifying information displayed as a result of the search. The third party can add the entity to a private data store based on access controls and verification procedures established by the entity. The third party can also establish transactions, such as electronic funds transfers, with the entity. | 12-19-2013 |
20130346290 | METHODS AND SYSTEMS FOR REMITTANCE VIA A SYMBOLOGY - Methods and systems for transmitting a payment between a plurality of users are disclosed. The methods and systems may perform the following operations: (1) receiving a payment request from a first user; (2) generating data corresponding to the payment request; (3) providing the data to the first user, who creates a symbology encoding the data for delivery to a second user; (4) receiving data encoded by the symbology from a mobile device, wherein the data corresponds to a payment authorization; and (5) transferring funds from a first account to a second account. | 12-26-2013 |
20130346291 | SYSTEMS AND METHODS FOR PURCHASING PRODUCTS OR SERVICES THROUGH THE USE OF A SYMBOLOGY - Methods and systems for conducting a transaction for a sale of products or services to a purchaser are disclosed. The methods and systems may perform the following operations: (1) receiving transaction information from a merchant; (2) generating data corresponding to the transaction information; (3) encoding a symbology with the data; (4) providing the symbology to the merchant for delivery to the purchaser; (5) receiving the data corresponding to a payment authorization encoded by the symbology from a mobile device; and (6) transferring funds from a purchaser's account to a merchant's account. | 12-26-2013 |
20130346292 | DYNAMIC CHECK IMAGE GENERATION - A dynamic check generation during the payment creation process includes: receiving a new payment item; in response to receiving the new payment item, determining whether information for a new check image generation for the new payment item is received; in response to determining that the information for the new check image generation for the new payment item is received, generating a check image using the new check image generation information; and displaying the new payment item within the check image. When a request to refresh the check image is received, modified information for the new check image generation for the new payment item is obtained, a modified check image is generated using the modified information, and the payment item is displayed within the modified check image. | 12-26-2013 |
20130346293 | METHOD AND ARRANGEMENT FOR SPECIFYING SERVICES PROVIDED BY A FRANKING MACHINE - In a method for specifying services provided by a franking machine, a program code is loaded into a data processing device via and, a first communication channel to a remote data center, authorization to access the franking machine is requested using an authorization request message. In response, via a second communication channel, data are provided from the remote data center to the franking machine. In response, the franking machine enables access for executing a specification process via a third communication channel via which communication between the data processing device and the franking machine is established using the program code executed by the data processing device. The specification process is executed using the program code to set at least one feature of at least one service provided by the franking machine. | 12-26-2013 |
20130346294 | RISK MANAGER OPTIMIZER - Embodiments of the invention broadly described, introduce systems and methods for automatically generating rules. One embodiment of the invention discloses a method for generating a candidate rule. The method comprises receiving transaction data comprising a plurality of fields, wherein each field is associated with one or more field values, constructing a rule graph, wherein vertices in the rule graph correspond to a plurality of the one or more field values, generating a tree, wherein generating the tree comprises selecting an edge from a set of edges connecting a vertex in the tree with a vertex not in the tree, and adding the edge to the tree if the edge has a maximum signal-to-noise value of all edges in the set of edges, and converting the tree into a candidate rule. | 12-26-2013 |
20130346295 | EXCHANGING VALUE BETWEEN A SERVICE BUYER AND A SERVICE PROVIDER - Described herein is technology for, among other things, exchanging value between a service buyer and a service provider. The technology involves establishing a virtual funds account associated with the service buyer. A request for services is received from the service buyer, which includes an amount that the service buyer is willing to pay for the services. An indication that the service provider will perform the services for the service buyer is received, and a hold is placed in the buyer's virtual funds account on an amount of virtual funds corresponding to the amount that the service buyer is willing to pay for the services. | 12-26-2013 |
20130346296 | METHODS AND SYSTEMS FOR MANAGING GOVERNMENT ISSUED ENTITLEMENTS - A method for designating accounts for funds from a check to be deposited is described. The method includes receiving, at a processing center having a processor, a direct deposit government entitlement check from a government entity to be deposited. The check may include an identifier. The method further includes comparing the identifier with a customer database to determine that funds from the check have been designated to be divided into sub-amounts and deposited into a plurality of accounts. Each of the plurality of accounts has account type and an associated expenditure designation. The method then receives a report of a total amount deposited from the check for each type of associated expenditure designation and each account type. | 12-26-2013 |
20130346297 | SYSTEM AND METHOD FOR UNIFIED BILLING - A system and method for unified billing is herein disclosed. According to one embodiment, the computer-implemented method includes receiving an access to a purchase in an application on a first platform, receiving a request to access the purchase in the application on a second platform, and providing the access to the purchase in the application on the second platform based on the request. | 12-26-2013 |
20130346298 | OFFLINE-SALES ATTRIBUTION SYSTEMS AND METHODS - An offline transaction may be attributed to an online activity by receiving a request from a consumer device for a resource that comprises a vendor page. An online-referral source (by which the consumer device identified the vendor page) is determined, and a unique identifier, the online-referral source, and the vendor page are stored in a persistent record. A device-identifier association is created to associate the unique identifier with the consumer device. Subsequently, offline-transaction data is obtained, associating an online-communication address with an offline transaction involving the vendor and an individual or. When a second resource request is received from the consumer device, it is determined to be associated with the unique identifier, and further, that it is associated with the online-communication address and the offline transaction. The vendor is notified that the offline transaction is associated with the online-referral source. | 12-26-2013 |
20130346299 | METHOD AND APPARATUS FOR FACILITATING PAYMENT VIA MOBILE NETWORKS - A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider. | 12-26-2013 |
20130346300 | NETWORK SYSTEM AND METHOD FOR CONTROLLING SAME - The present invention relates to a network system and a control method thereof. The network system includes: a commercial electric appliance comprising a cost system for an operation thereof; and a control device communicably connected to the commercial electric appliance, wherein the control device comprises a display unit configured to remotely monitor operation information of the commercial electric appliance. | 12-26-2013 |
20140006257 | Consistent Interface for Payment Order, Payment Order Processing Statement and Product Valuation Data | 01-02-2014 |
20140006258 | Consistent Interface for Brazilian Boleto Receivable and Brazilian Nota Fiscal Authorisation Request | 01-02-2014 |
20140006259 | SYSTEM FOR ITEM LEVEL PAYMENT VEHICLE SUGGESTION | 01-02-2014 |
20140006260 | Employment System and Method | 01-02-2014 |
20140006261 | SYSTEMS AND METHODS FOR CONDUCTING A QUICK TRANSACTION | 01-02-2014 |
20140006262 | SYSTEMS AND METHODS FOR PROVIDING GAMING ACTIVITIES | 01-02-2014 |
20140006263 | System, Software, and Method For Design And Personalization Of Content By Users | 01-02-2014 |
20140006264 | SYSTEMS AND METHODS FOR SETTLING CHARGEBACK TRANSACTIONS | 01-02-2014 |
20140006265 | Mobile Terminal, Software Sharing System and Sharing Method | 01-02-2014 |
20140006266 | TRANSACTION MANAGEMENT SYSTEM | 01-02-2014 |
20140006267 | STAKEHOLDER COLLABORATION | 01-02-2014 |
20140006268 | System and Method for Targeted Marketing and Consumer Resource Management | 01-02-2014 |
20140006269 | Prepaid Short Message Services Revenue Capture | 01-02-2014 |
20140012738 | METHODS AND SYSTEMS FOR MEASURING ACCURACY IN FRAUDULENT TRANSACTION IDENTIFICATION - Techniques to determine accuracy in identification of fraudulent transactions. In one embodiment, indications from an analyst that financial transactions are fraudulent or not fraudulent are received to determine an error value. An error value may be a false positive error rate based on at least one of a weighted refund holdout, consensus disagreements, peer overturns, an appeal rate, excess negative actions, and a policy error rate. The error value may be a false negative error rate based on at least one of peer overturns, chargebacks, consensus disagreements, and excess passive actions. The false positive error rate is a rate at which the analyst incorrectly identifies the financial transactions as fraudulent and the false negative error rate is a rate at which the analyst incorrectly identifies the financial transactions as non-fraudulent. | 01-09-2014 |
20140012739 | ELECTRONIC COMMERCE NETWORK WITH TRANSACTIONS ANALYTICS - A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous account that corresponds to the financial instrument, and stores line level data associated with the transaction in the anonymous account. Future transactions that use the same financial instrument are also stored in the anonymous account. As a result, all transactions can be linked to the same user. | 01-09-2014 |
20140012740 | COLLECTING AND ANALYZING TRANSACTION DATACOLLECTING AND ANALYZING TRANSACTION AND DEMOGRAPHIC DATA TO FULFILL QUERIES AND TARGET SURVEYS - A system and method to gather and analyze transaction records and demographics associated with a plurality of consultants is presented herein. A consultant is a user that creates a profile and provides access to one or more accounts at one or more financial institutions and/or demographic data. Transaction records collected from the one or more accounts are stripped of personally identifying data, analyzed, associated with a consultant's profile, and persistently stored. Demographic data may be collected from a consultant and/or derived from the consultant's transaction records, associated with the consultant's profile, and persistently stored. Surveys are targeted at consultants based, at least in part, on the transaction records and/or demographic data associated with each consultant's profile. Furthermore, database queries are fulfilled based on the transaction records and demographic data associated with one or more consultant profiles stored in the database. | 01-09-2014 |
20140012741 | TECHNIQUES FOR CORRELATION OF CHARGES IN MULTIPLE LAYERS FOR CONTENT AND SERVICE DELIVERY - In a method for determining charges for content or services over a network, the method includes determining first charging information for rendering content or a service and usage of a service layer of the network, determining second charging information for usage of a network layer based on transmission related to the requested service or content, and correlating the first charging information and the second charging information to generate a single charge for an overall transaction, wherein the overall transaction includes charges for the content or service, the usage of the service layer of the network, and the usage of the network layer of the network. | 01-09-2014 |
20140019335 | SYSTEMS AND METHODS FOR SELF-SERVICE CLOUD-BASED ARENAS FOR INFORMATION TECHNOLOGY-DRIVEN SITUATIONAL MANAGEMENT - A method includes receiving information from an information provider. The information received from the information provider may comprise metrics collected from a sensor that have been manipulated, meta-data that describes the manipulation, quality information associated with the metrics, and semantic information associated with the metrics. The method includes a process of transforming and correlating the information received from the information provider, such that the information becomes transformed and correlated information. The method includes a process of transmitting the transformed and correlated information to a registered information consumer. The method includes a process of establishing a first account pursuant to the information received from the information provider. The method includes a process of establishing a second account pursuant to the transformed and correlated information transmitted to the registered information consumer. The method includes a process of applying a payment policy based on the first account and the second account. | 01-16-2014 |
20140019336 | SMART QUEUING FOR FINANCIAL TRANSACTIONS - Methods and apparatus according to the invention are directed towards providing electronic queuing of execution of financial services by a customer of a financial institution prior to the services being performed. Queuing may shift planning of and preparation for execution of the services, away from a time and/or a site of service-execution. Through queuing, the customer may securely produce, access and modify actionable electronic listings of services and of details of service-execution. The customer may securely activate the listings for the performance of service-executions via the institution's associates and/or machines. Queuing may expedite service-execution. The methods and apparatus may also provide for collaboration among customers in producing, accessing, modifying and activating listings. | 01-16-2014 |
20140019337 | CREDITOR OFFERS FOR TAKING A USER DEBT - Once a user has made a purchase (or during a checkout), a service provider may offer one or more creditors to the user to fund a payment on behalf of the user. The service provider may offer this service to one or more creditors in an auction or bid scenario, in which creditors may submit bids to “win” this service. The winning creditor(s) or payment provider(s) may be featured or displayed to the user when the user is deciding how to make a payment. In this way, a user is more likely to either sign up with a creditor and use the creditor to make a payment or use an already-existing account with the creditor to make a payment. | 01-16-2014 |
20140019338 | WEIGH SCALE CERTIFICATION SYSTEM AND ASSOCIATED METHOD - A method and system for remotely exchanging weighment information via a wireless device, such as a cell phone, pertaining to a vehicle, such as truck, at a vehicle weight station. The system and method may include determining a present location of a vehicle to be weighed, verifying identification information of the vehicle to be weighed and receiving a vehicle weight from a server remote from the wireless device. The system and method may also include exchanging payment information between one or more servers and a wireless device. | 01-16-2014 |
20140019339 | COMMUNICATION PROTOCOL FOR ELECTRONIC FUNDS TRANSFER SYSTEMS - A method and system for the electronic transfer of funds utilizes a computerized facilitating agent and associated database which contains the addresses and operating protocols of all known accounts. A sender of funds instructs the facilitating agent as to the recipient and recipient's destination account and the amount to be transferred. Using the database, the facilitating agent can acquire the address of the recipient destination account and the protocols required for a transfer and effectuates the transfer utilizing available automated clearing house procedures without human intervention. | 01-16-2014 |
20140019340 | Storing and Forwarding Payment Transactions - Method, systems, and apparatus for a method of processing a payment transaction using a mobile device of a merchant. In one aspect, determining the mobile device does not have a connection to an external network; receiving data indicating a payment transaction between a customer and the merchant; determining whether the payment transaction should be stored, where the determining is based on a risk heuristic model that considers one or more of the following: a number of already stored transactions, a value of the payment transaction, a total value, where the total value is a sum of the value of the payment transaction and values of one or more already stored transactions, and risk factors associated with the customer; and based at least on the determination, storing the payment transaction on the mobile device for future processing. | 01-16-2014 |
20140019341 | METHOD, APPARATUS AND COMPUTER READABLE STORAGE TO EFFECTUATE AN INSTANTANEOUS MONETARY TRANSFER - A method, apparatus, and computer readable storage to enable fast transfers of funds from a sender to a receiver even though they have bank accounts at different banks A proxy is used that has an account at the receiver's bank so that the proxy can request an intrabank transfer to the receiver which would typically be quicker than an interbank transfer. An intermediary is a party that organizes a set of transfers related to the transaction. The proxy can be paid a payment for serving as the proxy by the intermediary, the intermediary also receiving a transfer of funds from the sender. | 01-16-2014 |
20140019342 | ELECTRONIC PAYMENT SYSTEMS AND SUPPORTING METHODS AND DEVICES - Electronic payment systems and supporting methods and devices are described. For instance, the disclosed subject matter describes aggregated transactional account functionality configured to receive electronic financial transactions associated with one or more of a set of electronic identifying information such as phone ID, email, instant message, etc. for a user and related functionality. The disclosed details enable various refinements and modifications according to system design and tradeoff considerations. | 01-16-2014 |
20140019343 | Methods and Systems for Routing Payment Transactions - Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks. | 01-16-2014 |
20140019344 | SYSTEM AND ASSOCIATED METHOD AND SERVICE FOR PROVIDING A PLATFORM THAT ALLOWS FOR THE EXCHANGE OF CASH BETWEEN MEMBERS IN A MOBILE ENVIRONMENT - A system and associated method and service for providing a platform that enables members to transfer, receive, or otherwise exchange cash in various international denominations and commodities, such as precious metals (e.g., gold, silver, etc.), in a mobile highly secured telecommunications environment. The system is capable of delivering cash instantly between two or more users by allowing the exchange of secure transactions between system and cash dispensing machines (ATMs). Users may pay, receive, exchange, deposit, transfer, pay bills, exchange currency, retrieve cash, deposit cash and create accounts based on the mobile phone number or a system generated code. | 01-16-2014 |
20140025564 | SYSTEM FOR AGGREGATING PAYMENTS FROM MULTIPLE PAYERS - Receiving payment requests at an from multiple payers for a common supplier, the payments are received by an entity that is separate from the common supplier and the multiple payees; aggregating the payment requests and creating a single aggregated payment request at a hub computing system, the aggregating and creating includes choosing an interchange rate at the aggregator for the aggregated payment that is lower than an interchange rate that at least one of the payment requests would qualify for if not aggregated; electronically transmitting the aggregated payment request from the hub computing system to an acquirer processor computing system associated with the supplier; creating a reconciliation report; and transmitting the reconciliation report to the supplier. | 01-23-2014 |
20140025565 | SYSTEM AND METHOD FOR EMBEDDING FINANCIAL-VALUE ACCOUNT PROVISIONING AND MANAGEMENT FUNCTIONALITY WITHIN A DATABASE ACCOUNT MANAGEMENT SYSTEM - A method and system are provided for integrating a the generation and communication of digitized data associated with a monetary credit account, such as a gift card account, with an account management suite, such as a sales automation system or a customer relationship management system. The invented method allows a user of an electronically accessible data base to create an assigned-value account that is pre-authorized for use with at least one designated merchant, credit card network, debit card network or financial services provider. The user may select from among a plurality of primary merchants, wherein the identification of the assigned-value account includes a branding association of a single primary merchant. Access to the established assigned-value account may be furnished to a beneficiary by an electronic communications network, whereby the beneficiary may receive and/or provide identity information required and sufficient to enable access to the assigned-value account. | 01-23-2014 |
20140025566 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR A COLLECTION ON DELIVERY DELAYED DEPOSIT SERVICE - Various embodiments provide systems for providing a delayed deposit collection on delivery (COD) option to a customer. The system may comprise one or more storage areas containing customer profile data, payment data, package data, and parameter data, such as a default deposit parameter. The system may further comprise one or more computer processors configured to: (a) receive a portion of the payment data and the package data; (b) receive an indication of a payment deposit parameter; (c) associate the payment deposit parameter with the payment data; (d) compare the payment deposit parameter to the default deposit parameter; (e) calculate a payment deposit date based at least in part on the comparison and at least a portion of the package data comprising delivery data; (f) and facilitate depositing the payment mechanism on the calculated payment deposit date. Associated computer program products and computer-implemented methods are also provided. | 01-23-2014 |
20140025567 | PAYMENT SYSTEM PRE-SELECTION ENVIRONMENT PROCESSING - Systems and methods for payment system pre-selection environment processing are provided. One such method comprises receiving payment information from a payment device from a consumer. The method further comprises executing a pre-selection phase to determine a preferred application identifier (AID) and routing option based on the payment information. The method also comprises completing a transaction using the preferred AID and routing option. | 01-23-2014 |
20140025568 | SYSTEM AND METHOD FOR PRICING OF MERCHANT ACCOUNTS - A system for managing merchant payment transaction processing accounts is provided. The system includes a merchant initialization system that receives merchant account data from a user, such as to provide a quote to the merchant for payment processing. A transaction pricing system receives the merchant account data and provides transaction pricing data for payment transaction processing in response to the merchant account information. User access to one or more merchant account pricing algorithms that are used generate the merchant account pricing data in response to the merchant account data is restricted to a predetermined set of users, so as to prevent unauthorized users from obtaining access to the merchant account pricing algorithms. | 01-23-2014 |
20140032396 | SYSTEM AND METHOD FOR TRACKING BANK NOTES - A bank note processing machine is disclosed that includes a note counter, wherein the note counter counts bank notes in a bundle of bank notes and generates one or more determined characteristics for the bundle of bank notes; and an RFID reader, wherein the RFID reader detects information from an RFID chip associated with the bundle of bank notes, the detected information comprising one or more supplied characteristics of the bundle of bank notes. The one or more determined characteristics can include at least one of number of bank notes in the bundle of bank notes, denomination of bank notes in the bundle of bank notes, and total amount of money in the bundle of bank notes. | 01-30-2014 |
20140032397 | COMPUTER-IMPLEMENTED REAL-ESTATE LEASE PROGRAM - A computer-implemented, real-estate program identifying real-estate properties of interest to prospective tenants and investors and providing composite price information including purchase and non-purchase-related expenses about lease-to-purchase options. | 01-30-2014 |
20140032398 | EMAIL PAYMENT GATEWAY FOR E-COMMERCE - An email payment gateway may be configured to send emails to customers, including a plurality of mailto hyperlinks. Each mailto hyperlink may be in the form of a graphical user interface button associated with one or more products. Each button generates a return email message when the button is selected. The generated email message may include one or more parameters related to the one or more products associated with the button, such as an identifier of the product, vendor or particular campaign with which the product is associated. The generated email message may then be transmitted to the email payment gateway. The email payment gateway may receive the message and, based on the parameters in the received message, process payment to complete the customer's purchase of the selected product. | 01-30-2014 |
20140032399 | ELECTRONIC TRANSACTION SYSTEM - An electronic transaction system interacts directly with the purchaser's bank accounts to effect funds transfers from a purchaser's bank account to a vendor's bank account. The transaction system is enabled when the purchaser selects this payment option on the vendor's website. The system receives an identification of the vendor, and the amount to be transferred, and proceeds to prompt the purchaser for the purchaser's bank access information. With this information, the system accesses the purchaser's bank account(s) and displays the accounts that are eligible for the contemplated transaction. When the purchaser selects the appropriate account, an electronic transfer request is generated to effect the transfer from the purchaser's selected account to the vendor's bank account. The provider of the transaction system does not maintain financial accounts for either the purchaser or the vendor, and thus the overhead required to operate this transaction system is minimal. | 01-30-2014 |
20140032400 | Mobile Savings Account - System and method of operating a savings account | 01-30-2014 |
20140032401 | METHOD OF HIGH SPEED DOWNLOADING - The disclosure relates to a method of providing digital content wirelessly using a communications portal with restricted access to navigation over the Internet. The method may include enabling high speed downloads over the communications portal using one or more address maps of data links for downloadable digital content. The method may include publishing an interface to a wireless device, wherein the interface provides a finite set of selections that are associated with at least one or more of the address maps. The method may also include collecting and distributing fees based on downloads of digital content. | 01-30-2014 |
20140040114 | Systems and Methods for Optimizing the Routing of Debit Transactions - Embodiments of the disclosure provide for methods for obtaining, by a service provider system comprising one or more computers, information associated with a plurality of payment transactions processed via a plurality of transaction networks; generating, by the service provider system based at least in part upon the information, one or more graphical user interfaces associated with the distribution of payment transactions among the plurality of transaction networks; receiving, by the service provider system via the one or more graphical user interfaces, user input associated with the distribution of payment transactions; and generating, by the service provider system based upon the received user input, one of a recommendation or updated distribution information. | 02-06-2014 |
20140040115 | Closure for A Compartment - The invention provides a closures ( | 02-06-2014 |
20140040116 | TECHNIQUE FOR PERFORMING A FINANCIAL TRANSACTION - During a financial technique, an instance of an application executing on an initiating electronic device initiates the financial transaction by communicating information with a receiving electronic device. Then, the application selects a financial account that provides funds for the financial transaction. This financial account may be one of multiple different types of financial accounts that are associated with different providers. Moreover, the application conducts the financial transaction by providing a message to the receiving electronic device, where the message includes an amount of funds transferred in the financial transaction. After receiving the message, an instance of the application executing on the receiving electronic device selects another financial account that receives the funds for the financial transaction, where the other financial account is one of multiple different types of financial accounts that are associated with different providers. | 02-06-2014 |
20140040117 | EXECUTING TRANSACTIONS SECURED USER CREDENTIALS - In some implementations, a method includes interfacing a mobile device including a GUI. User credentials used to execute transactions with contactless devices are securely stored and associated with one or more enterprises. The secure memory includes master credentials and a master security framework that enables enterprises to store or update user credentials and associated security frameworks. Displays associated with the user credentials are dynamically generated and presented through the GUI of the mobile device. Wireless transactions are executed with contactless devices using the selectable user credentials. | 02-06-2014 |
20140040118 | DUAL-ACTIVATION FINANCIAL PRODUCTS - A system operating in conjunction with a financial account permits joint activation of a virtual card associated with the financial account. An event-detection module detects an event related to the virtual card and an authorization component for permitting certain individuals to use the virtual card. A messaging module generates account-related messages and transmitting these messages to individuals associated with the financial account. | 02-06-2014 |
20140040119 | Methods for Online Collaborative Composition - Systems and methods for creating and editing collaborative music compositions via a computer network, including remote uploading tracks by musicians, and for creating and joining a band, wherein the system and methods provide for at least one musician to join a virtual group of at least one other musician for the purpose of virtual collaborative creating and/or editing music tracks remotely, via an online network and interactive website therefor. | 02-06-2014 |
20140040120 | MOBILE TERMINAL AND METHOD OF PERFORMING NFC PAYMENT USING THE MOBILE TERMINAL - Provided is a mobile terminal that has a function of changing a payment credit card at the time of near field communication (NFC) payment in a low battery state, and a method of performing the NFC payment using the mobile terminal. In the mobile terminal according to the present invention, unlike in a mobile terminal in the related art in which payment is simply performed with a default credit card, if the NFC payment is requested in the low battery state where the mobile terminal is powered off, a payment application based on a light operating system, which is executed on an embedded Linux, is displayed, and the NFC payment with a credit card selected from the payment application based on the corresponding light operating system is performed. Therefore, a credit card payment can be effectively performed in a low battery state as well. | 02-06-2014 |
20140040121 | APPARATUS FOR AND METHOD OF HANDLING TRANSACTIONS - Transaction handling apparatus for effecting a transaction between a group of purchasers and a vendor. The transaction handling apparatus includes vendor apparatus running a vendor process which displays at least one user operable component associated with a product or service on offer. The transaction handling apparatus also includes server apparatus which stores purchase data comprising identification data identifying each of plural purchasers. The transaction handling apparatus also includes plural client processes and payment processing apparatus which receives payment in respect of each of the client processes and conveys the payments to the vendor in dependence on operation of the client processes. A payment received in respect of a client process forms a part of the price of the product or service. Operation by a user of the user operable component stores product data relating to the product or service, the stored product data being comprised in the purchase data. | 02-06-2014 |
20140040122 | Content Sharing System and Content Sharing Method - A content sharing system and a content sharing method of sharing contents following a free will of a user through belonging to a plurality of groups are disclosed. Identification information on each of one or more groups to which respective users belong is stored while associating it with identification information on the users. A download history of a content via user terminals by respective users is stored while associating it with the identification information on the users. A group or groups to which a user accessing via a user terminal belongs is/are determined. Whether a content already primarily downloaded by another user belonging to the determined group(s) exists is determined based on the download history and identification information. If the content already primarily downloaded by the another user exists, secondary download to the user terminal accessing the above-mentioned content is permitted. | 02-06-2014 |
20140040123 | METHODS AND APPARATUS FOR FUNDS REMITTANCES TO NON-PAYMENT CARD ACCOUNTS USING PAYMENT CARD SYSTEM - Apparatus and methods for funds remittances to non-payment card accounts are described. An embodiment includes a processor receiving a funds transfer request specifying a transaction amount, a destination bank account and a source account, and determining that the destination account is not a payment card account. The processor then initiates a payment transaction routed from the source account via a payment card system network to a payment card system settlement account that has been established in an agent bank in the same country as the destination bank account. The processor stores an instruction file of transfer instructions for the agent bank to transfer the transaction amount from the payment card system settlement account to the destination bank account, and later transmits the instruction file to the agent bank. | 02-06-2014 |
20140046829 | Platform For Hosting Virtual Events - A platform for hosting virtual events includes a user interface module generating a user interface for accessing a virtual event; a conferencing module providing conferencing between participants of the virtual event; a virtual environment module generating a virtual environment for interaction between participants of the virtual event; and a payment processing module collecting payments from participants of the virtual event and distributing payments to an event planner. | 02-13-2014 |
20140046830 | Mobile Application For Monitoring and Managing Transactions Associated with Accounts Maintained at Financial Institutions - A mobile application for sending alerts to a bank's customer is provided. The mobile application allows a customer to receive alert notifications regarding transactions on his or her bank or credit card accounts when a debit or credit card associated with the account is used. The mobile application server and adjoining intermediate database, which stores the customer's alert information, is in communication with the bank's or ISO's server and their adjoining customer database to receive transaction data. The mobile application server sends alert notifications through a customer's or user's mobile app after processing the communication, which displays the information on the customer's smartphone or electronic tablet. Customer may choose to send a response back through the mobile application server to the bank's or ISO's server and their adjoining customer database, reporting suspected fraud or approving the transaction using the customer's unique pin code or password. | 02-13-2014 |
20140046831 | TRANSACTION SYSTEM AND METHOD - A transaction system and method in which a customer operates a mobile device, such as a smart phone, to select items for purchase. A server maintains a record of the purchases. When the customer has finished shopping, the server sends a code associated with the record to the mobile device and directs the customer to either a full-service or a self-service checkout station for cash payment, or to a quick checkout station for credit or electronic payment. A computer at the checkout station may read the code to obtain the record for an attendant comparison. Alternatively, the server may authorized the customer to leave without stopping at the checkout station when the risk of theft is low and the customer elects to pay using electronic payment. Regardless, the server may send an electronic receipt of the transaction to a customer provided email or other address. | 02-13-2014 |
20140046832 | METHODS TO ACCESS, SHARE AND ANALYZE INFORMATION RELATED TO FRAUD, MONEY LAUNDERING, TERRORIST FINANCING AND OTHER SPECIFIED UNLAWFUL ACTIVITIES - The present invention is directed to a system for storage, evaluation, and transmission of information related to suspicious underlying activity that in turn is related to financial transactions comprising: (1) a secure data processing center, wherein the secure data processing center receives, stores, and transmits reports related to suspicious underlying activity that in turn is related to financial transactions, the secure data processing center including therein a storage mechanism for the reports including a memory; (2) at least one terminal in communication with the secure data processing center, wherein the terminal transmits and receives the reports related to suspicious underlying activity that in turn is related to financial transactions; and (3) means for authenticating and controlling communication between the at least one terminal and the secure data processing center; wherein the storage of the reports in the secure data processing center modifies the state of the secure data processing center in terms of the physical state of as the memory as the result of the storage of the reports. The invention further encompasses the use of the system to post, communicate, and analyze information related to such financial transactions. | 02-13-2014 |
20140046833 | 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 credit number associated with a purchaser credit account previously established on a payment site, use the purchaser credit number to obtain associated purchaser credit account information maintained at a payment site, receive from the payment site a disposition of the purchase transaction, and receive from the payment site purchaser-specific information to streamline the purchase transaction. | 02-13-2014 |
20140046834 | SYSTEM AND METHOD FOR TRANSFERRING A LINE OF CREDIT BALANCE TO A CASH ACCOUNT - The present invention provides an automated system configured to facilitate transfers of cash value from one or more lines of credit to one or more deposit accounts or payment systems. An automated system ensures that requested funds are available in a customer's one or more lines of credit and electronically deposits the requested funds into one or more designated deposit accounts or payment systems. An automated system provides a means for customers to manage lines of credit, setup transfer transactions, define rules governing transfers and view transactional history. The automated system, in network connection with the lending organization's backend systems, may authenticate customer identities and credit accounts as well as insure that the requested funds are available for transfer into a deposit account. | 02-13-2014 |
20140046835 | SYSTEM AND METHOD FOR MANAGING A TRANSACTION PROTOCOL - The invention teaches a system and method for managing a transaction account using the BIN number included in a transaction account number. The transaction account number is provided to a transaction account issuer configured to retrieve the BIN number from the transaction account. A portion of the BIN number, called the BIN identifier, is retrieved by the transaction account issuer and used to locate a corresponding use or issuer-defined transaction processing protocol stored on the account issuer system. The account issuer may then process the transaction request in accordance with the protocol located. | 02-13-2014 |
20140052610 | SYSTEM AND METHOD FOR SOFTWARE ALLOCATION BASED ON FORECASTS AND CALENDARS - Systems and methods provide at least one software application to users from a software monitor computer server. The software application requires a license grant for use. The software monitor computer server tracks usage of the software application to develop historical use patterns. The software monitor computer server also receives calendar input from electronic calendars of the users and analyzing the calendar input to identify future calendared uses of the software application. This allows the software monitor computer server to predict the future license grant needs of the software application based on the historical use patterns and the future calendared uses of the software application. The software monitor computer server also provides substitute software applications to the users when an insufficient number of license grants are available to meet the future calendared uses of the software application. | 02-20-2014 |
20140052611 | BRUSH HOLDER ASSEMBLY MAINTENANCE PROGRAM - A method of performing maintenance of components of an electrical device including receiving a container of used brush holder assemblies at a remote location geographically removed from an electrical device facility and sending a container of unused brush holder assemblies to the electrical device facility for installation on an electrical device at the electrical device facility. The container includes a plurality of brush holder assemblies including brush holders and brushes pre-loaded in the brush holders prior to shipping the brush holder assemblies in the container. The container includes a plurality of carriers for interfacing with the brush holder assemblies. Each carrier is configured to restrict movement of the associated brush holder assembly within the container. | 02-20-2014 |
20140052612 | SOCIAL NETWORK SYSTEM AND METHOD - A social network system includes one or more participant terminals operable to act as a client on a social network and a computer operable to act as a server on the social network and to communicate with each of the participant terminals over the social network. The computer includes: a memory configured to store a set of instructions; and a processor configured to execute the set of instructions. The set of instructions cause the processor to: receive a user-created application from a user; display the user-created application as being available to other users on the user's profile; and permit other users to download the user-created application. | 02-20-2014 |
20140052613 | SYSTEMS AND METHODS FOR PROVIDING GRATUITIES TO MERCHANTS - A computer-implemented method for facilitating a merchant transaction comprises providing a list of one or more merchants that are in geographic proximity to a geolocation of a payer, and receiving a request from the payer to conduct a transaction with a merchant among the one or more merchants. The request can be received by a computer system programmed to facilitate the transaction. The transaction can then be processed with the aid of the computer system. A tip selection, which can include a tip amount, can be applied to the transaction. In some cases the tip selection is received from the payer as a selectable option. In other cases, the tip selection is automatically applied to the transaction without involvement from the payer during or upon the termination of the transaction. | 02-20-2014 |
20140052614 | System and Method of Executing an Electronic Transaction Using an Embedded Trading Control - A user is enabled to access a first web page hosted on a first server. The first web page features an embedded trading control. The embedded trading control interfaces with an electronic catalog on a trade up server, enables the user to enter a description of a first item that the user intends to trade to a commercial intermediary in exchange for a credit applied to a user account for the user, and receives, from the electronic catalog on the trade up server, a proposal that includes trade in value for the first item. Using the embedded trading control, instructions from the user to trade in the first item are received so that a first item value in the user account is received. The user then may purchase a second item appearing in the second web page using the first item value in the user account. | 02-20-2014 |
20140052615 | Widgets for Use with Electronic Transaction Systems - A computer-implemented method for providing merchants to a user comprises providing, on a graphical user interface of an electronic device of the user, a directory of one or more merchant cards, each merchant card having information of or related to a given merchant. Each merchant card from the one or more merchant cards is configured to permit the user to initiate an electronic transaction with a merchant associated with the merchant card. At least one of the one or more merchant cards includes a widget that provides content that, with the aid of a processor, is generated in view of one or more user-specific merchant relevance criteria. | 02-20-2014 |
20140052616 | PAYMENT SYSTEM AND METHODS FOR BROKERING CONSUMER-PAY TRANSACTIONS - A payment management platform for brokering consumer-pay transactions is provided. | 02-20-2014 |
20140052617 | PAYMENT PLATFORM INTERFACE WIDGET GENERATION APPARATUSES, METHODS AND SYSTEMS - The PAYMENT PLATFORM INTERFACE WIDGET GENERATION APPARATUSES, METHODS AND SYSTEMS (“API-Tool”) transforms developer credentials, codes and parameter inputs via the API-Tool component into buy widgets, payment acceptance and purchase transaction outputs. In one embodiment, the API-Tool may facilitate obtaining a plurality of authentication parameters and widget customization parameters. The API-Tool may authenticate a user using a parameter derived from the plurality of authentication parameters and may dynamically generate a purchase widget for the authenticated user using the plurality of widget customization parameters. | 02-20-2014 |
20140052618 | ELECTRONIC RECEIPT SAVER SYSTEM - Disclosed is an electronic receipt saver system for monetary transactions and return transactions comprising: a unique consumer access coded device having a kit including an individual card, a key fob, and software for personal computing devices. The consumer access coded device can be hosted on selected debit cards and credit cards. The electronic receipt saver system enables a consumer to archive monetary transactions into a single secured database accessible to the consumer via the computing devices to view and organize electronic receipts for financial records. | 02-20-2014 |
20140052619 | FINANCIAL TRANSACTION GIFT REGISTRY SYSTEM AND METHODS - System and methods are disclosed for generating a gift registry investment account and portfolio for a recipient to celebrate occasions such as weddings, births, graduations, birthdays, retirements, anniversaries, bar/bat mitzvahs, and the like. The system and associated methods provide the recipient account opening capability, on-line financial gift registry capability, automated investor-specific allocated information and advice among a plurality of financial vehicle combinations based on the investor's risk tolerance, donor review of the gift registry options, financial transactional funding of the donor to the account created by the recipient using a broker. A gift fulfillment package is sent to the recipient to announce the funding gift from the donor. The package is based upon the information provided during the opening of the account. | 02-20-2014 |
20140052620 | WIRELESS READER AND PAYMENT TRANSACTION TERMINAL FUNCTIONALITY WITHIN A PORTABLE DEVICE - A user accesses an application on a reader mode device, activating a reader communication mode and disabling conflicting communication modes. The reader mode device activates a radio frequency field and creates a secure communication channel with a payment device. A secure element application on the reader mode device requests and receives payment information from a payment device. The secure element application on the reader mode device decrypts the payment information and requests account verification from the user. The secure element application on the reader mode device receives input from the user and verifies the payment information. In response to verifying the account information, the secure element application on the reader mode device encrypts the payment information and transmits it to a payment processing system. The payment processing system processes the payment transaction and transmits a notice of approved or declined transaction to the reader mode device. | 02-20-2014 |
20140052621 | MERCHANT ELECTRONIC CHECK PAYMENTS - Systems and methods are provided for causing a computing device to process a check payment from a user using a debit card by: receiving debit card information from the user; sending the information to a payment platform via a network connection; exchanging the debit card information with an ATM network at a bank and receiving a response including a bank account and a bank routing number; making a fraud potential determination; returning a success flag if fraud is not suspected and an error message if fraud is suspected; storing the returned bank account and bank routing number in a database if fraud is not suspected; requesting the user to write their signature on a digitization pad in operation and storing the signature in the database; and creating a check image. | 02-20-2014 |
20140052622 | REPLENISHING A USER ACCOUNT WITH MORE ACCESS RESOURCES NEEDED FOR ACCESSING NETWORK SERVICES - A network access server (NAS) determines the status of availability (e.g., how much more quota is unused) of an access resource, and sends a notification embedded in a point-to-point protocol (PPP) packet. The format of the packet is chosen such that definition/use of higher layers (e.g., HTTP) is not required to communicate the status to a client system. As a result, the user may be notified even if software such as web browser is not being executed on the client system. | 02-20-2014 |
20140052623 | THREE-DIMENSIONAL GAMING SERVICE PROVIDER ELECTRONIC TRANSACTION AUTHENTICATION - Ensuring security of electronic transactions between a user and a gaming service provider involves employing three-dimensional transaction authentication based on user-facilitated authentication of a device and user-facilitated authentication of a gaming service provider transaction domain. | 02-20-2014 |
20140052624 | CORRELATION OF ASYNCHRONOUS BUSINESS TRANSACTIONS - The present technology monitors a web application provided by one or more services. A service may be provided by applications. The monitoring system provides end-to-end business transaction visibility, identifies performance issues quickly and has dynamical scaling capability across monitored systems including cloud systems, virtual systems and physical infrastructures. A message may be placed in an asynchronous queue. The message may be associated with a business transaction. The message in the asynchronous queue may be retrieved by an application. Business transaction information associated with the message may be transmitted to a server by the application. | 02-20-2014 |
20140058927 | SYSTEM AND METHOD OF A PROVIDER MANAGEMENT SYSTEM - Systems and methods for selecting a payment provider. A request for provider information is received. The request includes merchant information associated with a merchant. A provider is selected from one or more providers as a function of the merchant information. The merchant is registered with the selected provider. | 02-27-2014 |
20140058928 | Mobile Money Transfer - Method and system method for transferring funds in a mobile telephone based money transfer system comprising receiving a request for an amount of electronic funds. Debiting the amount of funds from the mobile telephone based money transfer system account, wherein the account is allowed to go or remain overdrawn following the debit. | 02-27-2014 |
20140058929 | PRE-PAID PAYMENT INSTRUMENT PROCESSING - Methods, systems, and apparatus, including computer program products, in which a method includes attributing a value to a pre-paid payment instrument, determining an expiration time associated with the pre-paid payment instrument, and automatically return an un-used portion of value associated with the pre-paid payment instrument at the expiration time to the purchaser. | 02-27-2014 |
20140058930 | Financial Charge Rebate - Aspects of the disclosure relate to assisting credit account holders during economic hardship. More specifically, aspects of the disclosure relate to systems and methods for providing a rebate of at least a portion of a finance charge applied to a credit account. Unlike certain prior art systems and methods, embodiments disclosed herein may benefit both the credit account holder as well as the financial institution that extends the credit account. In one embodiment, it may be determined that several credit accounts meet a threshold of probability of having a charge-off. In certain embodiments, the number of accounts that receive a rebate may be limited to a certain percentage of credit accounts with a non-zero balance. | 02-27-2014 |
20140067654 | Apparatus and Method for the Electronic Transfer of Balances Between Accounts - According to one embodiment, an apparatus may store a plurality of accounts. The apparatus may present, in a first region of a display, information associated with a first account in the plurality of accounts; in a second region of the display, information associated with a second account in the plurality of accounts; and in a third region of the display, a plurality of transfer amounts. The apparatus may detect a touch on the third region of the display indicating a selection of a transfer amount from the plurality of transfer amounts. The apparatus may communicate, in response to the detection of the touch, a message to initiate the transfer of the selected transfer amount from the first account to the second account. | 03-06-2014 |
20140067655 | ITEM TAGGING - Systems and methods for facilitating the purchase of tagged items for a friend are described. The methods include receiving a communication with a link to one or more items tagged by a first user for a second user, transmitting the communication to a user device of the second user, receiving a payment request in connection with the one or more tagged items from the user device, and processing the payment request. | 03-06-2014 |
20140067656 | METHOD AND SYSTEM FOR FRAUD RISK ESTIMATION BASED ON SOCIAL MEDIA INFORMATION - A system and method for estimating or calculating a fraud risk by receiving information related to a transaction, using (e.g., after retrieving, from or via a network) social media information related to a party participating in the transaction and calculating a risk score, associated with the transaction, based on the correlation or comparison between the social media information and the information related to the transaction. | 03-06-2014 |
20140067657 | COMPUTERIZED METHOD TO ACCEPT AND SETTLE CASH TRANSACTION PAYMENTS - A system and method is provided to accept and settle transaction payments for a consumer. The consumer initiates a transaction with a merchant, and the merchant transmits transaction information to a central processing unit using an initiating processing unit. The central processing unit generates a unique transaction identifier. The system may provide the merchant and consumer the nearest payment processing unit. At the payment processing unit, the consumer presents the unique transaction identifier, which is transmitted to the central processing unit for validation. The consumer makes payment at the payment processing unit, and the payment information is transmitted to the central processing unit. The system remits the payment to the merchant. | 03-06-2014 |
20140067658 | INTERNET OPERATING SYSTEM AND METHOD - A computer-implemented social networking method includes a step of maintaining in a computer system a plurality of social network applications. Each of the social network applications includes a topic having a goal and a title, and is displayed in a graphical user interface. A plurality of users is permitted to join one of the social network applications. Each of the users has a virtual user card with user information that meets threshold requirements set by an owner of the one of the social network applications joined by the users. An adoption of the one of the social network application joined by the users is allowed by the computer system. Control of the social network application is transferred by the adoption from the owner to an adoptive user. | 03-06-2014 |
20140067659 | SYSTEM AND METHOD FOR CHARITABLE DONATION HANDLING - A system for processing and filtering donation information received from a donor, the system having a processor. Data indicative of a donation request transmitted to the processor over the internet. A database stores the data that includes a plurality of fields. A funds transfer request generated based on the data and associated with an entity identifier is generated by software executing on the processor. The software compares the address of the entity with the address field to generate a first data set having a plurality of records. Records may include address field when the entity and donor are from the same state, records exclude address field when entity and donor address are of different states. The data set is associated with the entity by the entity identifier and is accessible by a computer associated with the entity identifier. | 03-06-2014 |
20140067660 | Method and process for an electric vehicle charging system to automatically engage the charging apparatus of an electric vehicle - An automated vehicle charging system, that may be done within a service type station, to provide for charging, recharging, or even discharging, of the batteries of an electric vehicle, and generally will include a dispenser, having a cabinet containing all of the instrumentation desired for furnishing the provision of current information relative to the charging of a vehicle, of otherwise, and will include boom means that are highly maneuverable, in order to bring the charging instrument into close proximity of the electrical receptacle of the vehicle being serviced, whether it be at a service type station, or at a curbside type of charging system. Robotics may be used within the structure of these electrical charging systems, to facilitate the charging of any vehicle, by the customer itself, even at a self service type of station. | 03-06-2014 |
20140067661 | VIRTUAL CHECK SYSTEM AND METHOD - This disclosure includes devices, systems, and methods for providing a virtual check blank. The virtual check blank includes data tags, including an issuer data tag, the issuer data tag including issuer check data and an issuer digital signature, and check image data configured to generate an image related to the virtual check blank and at least some of the data tags. The virtual check blank is configured to be modified by a payer in a transaction, wherein the virtual check blank is configured to add a payer data tag of the data tags, the payer data tag including: the issuer data tag, payer check data, a payer digital signature. | 03-06-2014 |
20140067662 | Automatic machine for internet payment - In a method for using an automatic machine by a user for processing a payment transaction with respect to an internet purchase between the user and an e-commerce provider, the e-commerce provider or the automatic machine requests an identification code for a payment transaction from a background system. The background system assigns an identification code, wherein the identification code identifies the internet purchase, and transmits the identification code to the e-commerce provider or the automatic machine. The e-commerce provider or the automatic machine transmits the identification code and/or a payment request to the user. The user makes a payment to the automatic machine and the automatic machine sends a confirmation of payment to the background system. Subsequently, the payment between the automatic machine and the background system and between the background system and an acquiring account is cleared. | 03-06-2014 |
20140067663 | METHOD FOR THE PREVENTION OF MONEY LAUNDERING ATTACKS - In a method for the prevention of money laundering attacks at a payment device, a control means of a payment device determines a first amount to be paid in connection with a payment operation, a second amount is paid by a user at a paying means of the payment device by delivery of cash, and the control means detects the paid, second amount. It is provided that the control device evaluates the payable, first amount and/or the paid, second amount with reference to at least one monitoring criterion, infers a possible money laundering attack in dependence on the evaluation, and initiates a countermeasure. In this way, there is indicated a method for the prevention of money laundering attacks which in a simple, inexpensive way and, if possible, without any expensive constructional changes of payment devices provides for a prevention of money laundering attacks. | 03-06-2014 |
20140067664 | SYSTEM AND METHOD FOR HANDLING PAYMENT ERRORS WITH RESPECT TO DELIVERY SERVICES - Systems and methods which provide processing of payment errors with respect to delivery services in accordance with user preferences. According to embodiments, a delivery service user provides information with respect to how payment errors with respect to delivery services provided to the user are to be handled to facilitate electronic and/or automated processing of such payment errors. A user may authorize payment shortages on the user's behalf, may request notification for an ad hoc determination as to how the shortage is to be handled, or may elect to have postal items returned in the case of payment shortage. Various levels of payment error handling services may be provided with respect to users. Detailed information, such as statistics with respect to users' payment errors, the numbers and types of payment errors, user's preferences in handling payment errors, etcetera, may be provided. | 03-06-2014 |
20140074690 | DIGITAL RECEIPT ROUTER - Systems, methods, and computer program products are provided for routing digital receipts. In the systems and methods, transaction data is received, where the transaction data includes a receipt authorization code. The receipt authorization code is associated with one or more rules that include certain transaction criteria. The transaction criteria and the transaction data are compared to determine that the transaction complies with the one or more rules. Receipt data for the digital receipts is determined based on the terms of the one or more rules. In the systems and methods, digital receipts are provided to the user and include at least some of the receipt data. | 03-13-2014 |
20140074691 | BILL SPLIT FOR NFC TRANSACTIONS - Conducting a financial transaction using near field communication. An amount of money owed for a first commercial transaction can be determined. Respective financial account information can be received from each of a plurality of mobile devices via near field communication. A respective portion of the money owed for the first commercial transaction can be allocated to each respective financial account, wherein each respective financial account is identified by the financial account information provided by a respective one of the plurality of mobile devices. Allocated portions of the money owed can be charged, respectively, to the financial accounts. | 03-13-2014 |
20140074692 | APPLICATION OF A VALUE DATA TO A PROFILE OF A VEHICLE BASED ON A LOCATION OF THE VEHICLE - A method, apparatus and system related to an application of a value data to a profile of a vehicle based on a location of the vehicle is disclosed. According to one embodiment, a method of an administrative server includes processing a location data of a vehicle having an onboard location device, matching the location data to a value data based on a location lookup table, and applying the value data to a profile of the vehicle. The method may include applying a credit and/or a debit, based on the value data, to an account (e.g., a financial account, a non-financial account) of a user associated with the vehicle according to a predetermined policy of an administrator. The method may also include modifying the value data to a modified value data depending on a meta-data such as a time of day, a date, and/or a vehicle type/model. | 03-13-2014 |
20140074693 | TRACKING FOR ROYALTY DETERMINATION - A method including identifying an individual contribution to a compilation, where the compilation comprises a plurality of individual contributions; and determining, at least partially with a computer processor, a royalty distribution value for the identified individual contribution based, at least partially, upon at least one weighted metric regarding the compilation. | 03-13-2014 |
20140074695 | Payment System and Method Using Tokens - A method of payment using tokens issued by a third party comprising the steps of: a. A transaction management unit receives a request to perform a service for which payment with tokens is required; b. The management unit checks whether there are yet unused tokens available; If an unused token was found, go to step (c); If there are no available tokens, then indicate that, then END; c. The management unit requests information on an available token from a database. The status of the used token is changed to “used”; d. During the subsequent transaction, the management unit sends information relating to the token now used. A system for managing and monitoring the use of tokens, comprising: a. a transactions management unit using tokens, wherein the unit is activated when a local user requires to perform a service for which payment using tokens is required; b. a tokens database which includes information on tokens acquired from the third party; c. a tokens use monitoring unit, to verify the correct use of tokens; d. a database of tokens reports; e. a communication channel to other users. | 03-13-2014 |
20140074696 | CREDIT CARD FORM FACTOR SECURE MOBILE COMPUTER AND METHODS - A communication device is provided and includes a first major surface including a display and a mixed array. The mixed array includes at least two different types of array units and occupies an area coinciding with, in plan view as viewed perpendicular to the major surface, at least substantially the entire major surface. | 03-13-2014 |
20140074697 | AUTOMATED CLEARING HOUSE TRANSACTION SCORING - Embodiments provide calculated scores allowing users to quickly and easily evaluate credit and ACH risk associated with a financial institution's ACH originators. The index score is computed using a 0 to 100 scale with 100 reflecting a low risk ACH relationship and 0 indicating significant potential risk. The index score integrates the standard entry class code, standard entry class code return risk percentage, industry risk factors, origination set volume, origination set frequency, origination set aggregate peak exposure risk, third party financial information, public record information, economic risk metrics, and customized risk profile. | 03-13-2014 |
20140074698 | SYSTEM AND METHOD FOR PROVIDING CONTACTLESS PAYMENT WITH A NEAR FIELD COMMUNICATIONS ATTACHMENT - A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack. | 03-13-2014 |
20140074699 | Online Processing for Offshore Business Transactions - A method and system for processing offshore online transaction use an intermediary platform to conduct foreign currency exchange on behalf of a buyer and an offshore seller. The method allows the buyer to purchase a product of an offshore merchant website using a local currency through the intermediary platform. The buyer places an order at the offshore merchant website, which sends an order request to the intermediary platform. The intermediary platform calculates the purchase amount in local currency, and exchanges the local currency amount provided by the user into an equivalent foreign currency amount through a financial platform, and sends a transaction message indicating successful payment to the offshore merchant website to allow shipping of the product. The intermediary platform periodically conducts accounting and profit sharing operations with the offshore merchant website. | 03-13-2014 |
20140074700 | Automated Transactions Clearing System and Method - Embodiments of the present invention are related to systems and methods of verifying the integrity of transactions that traverse through complex system workflows, and particularly, verifying the integrity of financial and non-financial transactions that traverse through a plurality of financial systems making up one or more system workflows. In one embodiment, a clearing system is disclosed to include a central clearing engine configured for processing a plurality of transactions by retrieving transaction data of at least one transaction of the plurality of transactions from at least one data source based on a selection received. After parsing the transaction data, the central clearing engine may verify transaction data integrity based on the transaction data and determine a result, and generate a report based on the result. | 03-13-2014 |
20140081837 | PAYMENT TRANSACTION GATEWAY FOR A MEDIA PLAYER - A method and apparatus for a payment transaction gateway in a media player are disclosed. Content provided to the media player is sectored into a preview portion and a pay gate portion. The preview portion may be provided free of charge, whereas a user is required to pay a fee or accept a charge to receive the pay gate portion of the content. A payment transaction gateway that is initiated in the media player is used to facilitate the payment of the fee or the acceptance of the charge. The payment transaction gateway allows a user to log in to an account, register for an account, or guest-pay for the content within the confines of the media player and without running another application. Further, a content provider is also enabled to price content based on a minimum price associated with the content. | 03-20-2014 |
20140081838 | NOTIFICATION OF ALTERNATIVE PAYMENT CHANNEL - Systems, methods, and computer program products are defined for notifying customers, post-transaction of the ability to change payment form for the just completed transaction. In addition, the notification may include the advantages presented by the alternative payment forms and/or the optimal payment form for the completed transaction. Once notified, the customer may effortlessly and automatically change the payment form if so desired. If the payment form is changed to an interest-bearing payment form, such as a credit or loan account, the customer may be subsequently notified with an option to automatically and immediately pay-off the transaction amount using another customer account, such as a savings account, checking account or the like. | 03-20-2014 |
20140081839 | GIFT CARD ASSOCIATION WITH ACCOUNT - Embodiments of the invention are directed to systems, methods and computer program products for associating gift cards with accounts. An exemplary apparatus is configured to: receive information associated with a gift card; associate the gift card with the account; receive information associated with a transaction; determine the transaction qualifies for the gift card; and apply funds associated with the gift card to the transaction. | 03-20-2014 |
20140081840 | REDEMPTION OF GIFT CARD - Embodiments of the invention are directed to systems, methods and computer program products for gift card redemption. An exemplary apparatus is configured to: receive information associated with a gift card, the gift card associated with a merchant; associate the gift card with the account; transmit a redemption request to an entity, the redemption request for redeeming funds associated with the gift card; and receive funds associated with the gift card from the entity. | 03-20-2014 |
20140081841 | REDEMPTION OF GIFT CARD FOR UNRESTRICTED FUNDS - Embodiments of the invention are directed to systems, methods and computer program products for gift card redemption. An exemplary apparatus is configured to: receive information associated with a gift card, the gift card associated with a merchant; associate the gift card with the account; transmit a redemption request to an entity, the redemption request for redeeming funds associated with the gift card; and receive funds associated with the gift card from the entity, wherein the funds are not restricted to purchases associated with the merchant. | 03-20-2014 |
20140081842 | BINIOG SATHI APPARATUS, SYSTEM, AND A METHOD THEREOF - The invention encompasses a Biniog Sathi apparatus, system, and a method thereof. The present invention relates generally to an inventive concept in investment and charitable contributions. The present invention also contemplates modifying the existing banking model with the incorporation of a Zakat or charity fund that will allow the financial institutions to mitigate the default risk for loans. This invention finds a sustainable solution to the problems of debt default in the financial services industry with the help of Zakat or charity hinds. It also strengthens the existing Islamic banking model complying with all the sharia principles. This invention develops a banking model that will be acceptable to all individuals and businesses seeking loans irrespective of race, color, religion, social class, to name a few. | 03-20-2014 |
20140081843 | PRESENTATION INSTRUMENT LOADING - Systems and methods are provided that allow consumers to reload prepaid accounts in-lane at a retail location without providing any personal identification such as a prepaid account numbers, an account number, name, etc. The systems and methods allow a consumer to establish a relationship with a reload package prior to paying for the reload package at the retail location. | 03-20-2014 |
20140081844 | DATA SHARING PLATFORM - A data sharing platform can be used to implement a method for allowing at least one entity which makes payments with a payment network to share transaction data. A database containing the transaction data from the at least one entity which makes payments with the payment network is maintained. A user interface is provided, which presents the at least one entity which makes payments with the payment network with at least one selection providing consent to sharing of at least a portion of the transaction data with at least one third party. The consent from the at least one entity which makes payments with the payment network is obtained, via the at least one selection. Interfacing takes place with the at least one third party to share the at least portion of the transaction data. | 03-20-2014 |
20140081845 | SYSTEM AND METHOD FOR CURRENCY CONVERSION RELATED TO CREDITS REDEEMABLE IN A VARIABLE VALUE TRANSACTION - A system and method of converting currency items to credits that are redeemable in a variable value transaction are disclosed. Converting currency items to credits allows the credits to be used for satisfying an initial balance or a remaining balance of the variable value transaction involving a piece of media content. The conversion may include receiving a unique customer identifier identifying a customer, receiving a unique identifier of the currency items, and determining whether the currency item is valid for being converted to a credit. If the currency item is valid, a conversion ratio of the currency items to credits may be retrieved and a quantity of the credits may be calculated from the currency items, based on the conversion ratio. The quantity of the credits may be issued to the customer in a credits database. Invalid currency items may be rejected for conversion to the credit. | 03-20-2014 |
20140081846 | Financial Advisor Platform - Disclosed is a portal that receives provider content in various media from a plurality of provider sources to provide a private portal access to users and which allows users to select providers from the plurality of providers. The portal stores users own information as well as selected content from selected providers into a private firm archive where users can add comments and tags to the content and produces analytical data by comparing a provider's sales production data with a providers content consumption, to benchmark provider content consumption against other firms of similar nature. The portal reports user analytical data back to selected providers. | 03-20-2014 |
20140081847 | SYSTEM AND METHOD FOR PURCHASING IN DIGITAL CHANNELS - The systems, methods, and computer program products (collectively “systems”) described herein are generally configured to monitor actions in digital channels. More specifically, the systems described herein are capable of initiating a transaction with a transaction account based on an action in any suitable digital channel. The systems are capable of syncing transaction accounts with various digital channels. Moreover, the systems are capable of initiating or completing transaction based on user information. The systems may also be capable of providing rewards based on activities or accomplishments in the digital channels. Moreover, the systems may be capable of verifying activities based on transaction information. | 03-20-2014 |
20140081848 | METHOD FOR ELECTRONICALLY PROCESSING A TRAFFIC OFFENSE AND ONBOARD-UNIT THEREFOR - A method for electronically processing a traffic violation of a vehicle that comprises an onboard unit having a transceiver, an input device and an output device, and an onboard unit for carrying out the method, are provided. The method includes: transmitting a traffic violation message from a beacon to the transceiver of the onboard unit and outputting the traffic violation message on the output device of the onboard unit; accepting a user selection concerning two options via the input device of the onboard unit; if the user selection indicates the first option, transmitting the traffic violation message from the onboard unit to a remote central facility; if the user selection indicates the second option, generating a debit transaction related to the traffic violation and charging the debit transaction against a user account. | 03-20-2014 |
20140081849 | SYSTEMS AND METHODS FOR PROVIDING NEAR FIELD COMMUNICATIONS - Methods and systems are disclosed for providing Near Field Communications. In certain embodiments, an Android mobile operating system based mobile device is configured with software that, when executed by one or more processors, determines whether the mobile device is to perform an NFC communication with a contactless payment terminal (CPT) using a secure element associated with an NFC controller included in the mobile device. Based on the determination, the mobile device is configured to execute software that performs communications with the CPT using the NFC controller. | 03-20-2014 |
20140081850 | System and Method for Providing Access to Streaming Multimedia Content to Devices From Servers - A method for delivery of primary media content in digital form is provided. The method includes establishing a communications link between a client computer and a server, where the client computer has storage. The establishing of the communications link includes authorization of user information. The method further includes receiving a request for a media among primary media content accessible to the server. The server associating the request with the user information maintained in a customer database that is accessible to the server. The user information is used to authorize access to specified content from among said primary media content for the user based on the user information in the customer database. The method also determines that the requested media is authorized for use by the user based on the user information. The method then streams the media to the storage of the client computer upon receiving a play request. The media received by streaming is configured for rendering on a display screen. The streaming data is one or more of video data including motion picture content, game data, music data, or combinations of two or more thereof. | 03-20-2014 |
20140081851 | SYSTEMS AND METHODS FOR TRANSFERRING VALUE - Systems and methods are provided for transferring value from a first user to a second user by using substantially random codes that are associated with the values to be transferred. A trusted authority enables users to create user accounts used to store value. A first user may request a payment code, which is associated with a specified value, and may be communicated to a second user, who may submit the payment code to the trusted authority. If the payment code is valid, the trusted authority debits the specified value from the first user's account and credits the specified value to the second user's account. Alternatively, the second user may request an invoice code, which is associated with a specified value, and may be communicated to the first user, who may submit the invoice code to the trusted authority. If the invoice code is valid, the trusted authority debits the specified value from the first user's account and credits the specified value to the second user's account. | 03-20-2014 |
20140089169 | System and Method of Processing Payment Transactions via Mobile Devices - A system and method for processing payment transactions via mobile devices are provided. An adaptive payment server is configured to accept requests from a mobile device to process different types of payment transactions via various types of payment devices (for example, credit cards, debit cards, EBT cards, or other payment cards). Credit card transactions, debit card transactions, EBT cash benefits transactions, and/or EBT food stamps transactions may be processed based on identification information retrieved from a corresponding payment device via the mobile device. | 03-27-2014 |
20140089170 | FINANCIAL ACCOUNT LABELS - Disclosed are electronic systems and techniques for implementing financial account labeling. A labeling component generates a label for an account based in part on data implicitly or explicitly provided by a user associated with the account, and applies the label to a subset of a set of funds maintained in the account. A rules component determines or infers a set of rules for the label based in part on data implicitly or explicitly provided by the user, a set of rule generation criteria, and/or a financial collaborative plan. An access component controls, based in part on the set of rules, transactions relating to the subset of funds corresponding to the label. | 03-27-2014 |
20140089171 | INSTANTANEOUS MULTI-CAST FUNDING AT POINT OF SALE - A service provider communicates to potential funders, over social networks they subscribe to, a funding request to fund a user's purchasing of an item(s) the user found during online or offline shopping, based on a funders' profile the user previously created. The funders' profile contains identifiers of potential funders, social networks, and any restrictions in communicating the funding request. At the time of requesting the service provider for the multi-cast broadcasting, the user may set the time limit for receiving funds, modify the funders' profile, and transmit the information of the desired item(s) via either a user's device or a merchant device. Before or when the funding time expires, the user may extend the time. When sufficient fund arrives at the user's account, the user is notified and the service provider proceeds with the payment transaction at the user's request to complete the purchase. | 03-27-2014 |
20140089172 | SYSTEM AND METHOD FOR STORING AND DISPENSING FUEL AND BALLAST FLUID - A system for storing and dispensing fuel and a ballast fluid is disclosed. The system may be installed in a station. The system may be employed in a vehicle or facility having a power plant. Fuel and ballast fluid may be stored cryogenically in a liquid phase and dispensed to the vapor phase. The system may employ a thermal and volumetric compensatory arrangement wherein fuel dispensed from storage for use in a power plant is used as a heat exchange medium (refrigerant) for ballast fluid received for storage; during refueling, ballast fluid stored in the vehicle or facility may be dispensed and used as a refrigerant for fuel being stored in the vehicle in space made available by the dispensed ballast fluid. The fuel may be natural gas with a main component of methane; the ballast fluid may be a fluid obtainable from ambient environmental air, such as nitrogen or oxygen. The fuel and ballast fluid may be conditioned so that the respective boiling points are approximately equal. The system may employ a heat transfer system with a microchannel heat exchanger. | 03-27-2014 |
20140089173 | SYSTEM AND METHOD FOR ENABLING A FUNDRAISING AND CONTRIBUTIONS PROGRAM USING FUNDRAISING CARDS REDEEMABLE FOR BRANDED STORED-VALUE CARDS - Disclosed is a system and method for enabling a fundraising program using fundraising cards redeemable by not-for-profit (“NPO”) supporters for branded stored-value cards. The system includes a scrip company host system having a server, where the server includes a microcontroller. A remote user device, having a display, is operatively coupled to the scrip company host system and configured to enable access to the scrip company web site. The microcontroller is adapted to detect access to the scrip company web site by a NPO, and cause the plurality of fundraising cards to be distributed to the NPO in response to detecting an order for the plurality of fundraising cards by the NPO. The fundraising cards are distributed to the NPO prior to receiving payment from the NPO for the fundraising cards, thereby making it unnecessary for the NPO to carry a paid-for inventory of fundraising cards. | 03-27-2014 |
20140089174 | APPLICATION HOSTING WITHIN A SECURED FRAMEWORK IN A FUELING ENVIRONMENT - A secured framework for hosting secure and non-secure applications is provided. A master control apparatus includes an interface component for providing input to or output from the master control apparatus, and an interface communicating component for establishing a communications path to a portion of the interface component when a secured portion of the interface component is active. The interface communicating component provides data from a feature apparatus to the portion of the interface component over the communications path, and switches the communications path to refrain from providing data from the feature apparatus where the secured portion of the interface component is active. A security analyzing component can also be included to additionally or alternatively determine whether access is allowed to the portion of the interface component. | 03-27-2014 |
20140089175 | SYSTEMS AND METHODS TO FACILITATE ONLINE TRANSACTIONS - Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a communication interface to receive an input from a merchant; a plurality of converters to interface with a plurality of controllers for delivery of premium messages sent by the system to collect funds for purchases made by customers; and a common format processor coupled with the plurality of converters to send the premium messages. The common format processor determines a combination of one or more premium messages, in response to a first customer making a first purchase from the merchant at a first price. The total price of the one or more premium messages is based on the first price and a portion of service charges associated with the one or more premium messages, where the portion is specified by the input received via the interface. | 03-27-2014 |
20140089176 | METHOD AND APPARATUS FOR CRYPTOGRAPHICALLY-ASSISTED COMMERCIAL NETWORK SYSTEM DESIGNED TO FACILITATE AND SUPPORT EXPERT-BASED COMMERCE - The present invention is an expert matching method and apparatus for managing communications between an expert having particular qualifications and an end user seeking a solution to an expert request. In a preferred embodiment, the apparatus of the present invention includes a controller having a database for storing expert qualifications. In one embodiment, the controller receives an expert request. A search program identifies experts qualified to respond to the expert request. The expert request is then transmitted to the expert, which results in an expert answer transmitted to and received by the central controller. After authentication of the expert answer, using a wide range of security levels from passwords to cryptography, the answer is forwarded to the end user. The method and apparatus of the present invention have applications on the Internet as well as conventional voice telephony systems. | 03-27-2014 |
20140095379 | Payments Perfection And Processing System - Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application. | 04-03-2014 |
20140095380 | SYSTEM AND METHOD FOR INTELLIGENTLY INTERFACING WITH FINANCIAL INFORMATION - A system and method for interfacing with financial information. The system includes a touch screen display. The touch-screen display includes a plurality of logical regions. Each one of the plurality of logical regions includes content that is expandable based on a user selection. The system also includes logic to associate a plurality of a user's financial data of a predetermined type with each one of the logical regions. The system further includes logic to vary an amount of the associated financial data displayed on the display based on a first type of user selection of one of the logical regions. | 04-03-2014 |
20140095381 | ONLINE TRANSACTION METHOD AND SYSTEM USING A PAYMENT PLATFORM AND A LOGISTICS COMPANY - The disclosed online transaction method and system uses payment platform acting as an intermediary agent between the merchant and the shipping company to handle the payment. While the payment platform receives payment from the shipping company, the merchant receives payment from the payment platform. The method and system do not require buyers to use the payment method provided by an intermediary transaction platform to make a payment. Instead, the buyer may pay directly to the shipping company. Unlike conventional transaction method based on COD, however, the disclosed online transaction method and system centrally manage a logistics platform or multiple logistics operations run by logistics companies. The merchant does not receive the payment from the logistics company, but rather receive the payment from a centralized payment platform to ensure secure and fast payment. | 04-03-2014 |
20140101030 | Payment Template Page Queue for a Mobile Device - In an exemplary embodiment, a method includes displaying a plurality of payment template summaries simultaneously on a mobile device. A selection of two or more of the plurality of payment template summaries is received. A queue comprising a plurality of payment template pages is generated according to the selection. A payment template page comprises a plurality of payment details associated with a payment template that corresponds to a selected payment template summary. A first payment template page of the plurality of payment template pages of the queue is displayed on the mobile device. A monetary amount is received at the first payment template page from a user of the mobile device and an initiated payment for the monetary amount is generated. The initiated payment includes the plurality of payment details of the first payment template page. | 04-10-2014 |
20140101031 | Management of Contributions for a Goal - According to an embodiment, a contribution for a goal is managed. A monetary target associated with a goal is determined. A current savings level toward the monetary target is determined. A rule associated with a maximum contribution amount toward the monetary target is accessed. An amount for a contribution is calculated according to the monetary target, the current savings level, and the rule. The amount calculated for the contribution is transferred to an account associated with the goal. | 04-10-2014 |
20140101032 | Rights Management and Content Distribution Platform - Apparatus, systems and methods in which one can leverage an ecosystem capable of managing rights with respect to digital content while allowing a content consumer to obtain the digital content through multiple paths. | 04-10-2014 |
20140101033 | PAYMENT PREFERENCE USER INTERFACE - A user is presented, on a user device display, with two rows of available funding sources to select from to add as a primary funding source (e.g., first row) and secondary or backup funding source (e.g., second row). Once a funding source is selected, the selected funding source is deactivated in the other row so that it cannot be selected in the other row. Selected funding sources are shown in different colors for the primary source and the backup source in the order of the display. | 04-10-2014 |
20140101034 | METHODS AND SYSTEMS FOR PREPAID MOBILE PAYMENT STAGING ACCOUNTS - Prepaid staging account systems and methods are described that allow issuer financial institutions to quickly and efficiently launch NFC device payment programs. In an embodiment, a staging account provider computer receives a request to provision a mobile account. The staging account provider computer generates a mobile account PAN and associates it with a funding account PAN, and transmits a personalization request to personalize a payment application for the cardholder's mobile device to a trusted service manager (TSM) computer. The staging account provider computer receives a status confirmation message from the TSM computer indicating that the payment application has been personalized and loaded onto the cardholder's mobile device, and then transmits a mobile account initialization message that includes the mobile account PAN to the primary issuer. | 04-10-2014 |
20140101035 | SYSTEM AND METHODS FOR ISSUANCE OF A MOBILE PAYMENT ACCOUNT - Methods and apparatus for provisioning a payment account on a mobile device at a location such as a retail store in conjunction with a purchase. A method includes a personalization server computer receiving payment account information of a consumer and a mobile payment account information request message from a merchant device, the message including information identifying the make and model of a mobile device being considered for purchase and a mobile network operator (MNO) identifier. The personalization server computer verifies the payment account information, determines a provisioning response message that includes information identifying at least one provisioning option, and transmits the provisioning response message to the merchant device for presentation to the consumer. | 04-10-2014 |
20140101036 | METHODS AND SYSTEMS FOR CONDUCTING REMOTE POINT OF SALE TRANSACTIONS - Systems, methods, apparatus and computer program code are provided for operating a mobile device to conduct a transaction which include obtaining, by a mobile device operating a mobile payment application, a transaction payload from a merchant, extracting a payment gateway identifier from the transaction payload and establishing a secure communication channel with a payment gateway identified by the payment gateway identifier, receiving, from the payment gateway, item data associated with the transaction, the item data obtained by the payment gateway from the merchant, and receiving, from a user operating the mobile device, a confirmation to complete the transaction using a payment account associated with the user and transmitting the confirmation to the payment gateway with payment account credentials associated with the payment account. | 04-10-2014 |
20140108233 | SOCIAL PAYMENT METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to facilitate electronic payments through social networks. | 04-17-2014 |
20140108234 | ENABLING AN IN-MEMORY TRANSACTIONAL APPLICATION - The embodiments provide a system for linking an application with an in-memory database system for enabling an in-memory-enabled transactional application. The system includes an in-memory transactional processor configured to receive contextual data related to an instantiation of a first business transaction of the application and instantiate at least one second business transaction of the application during a course of processing the first business transaction. The in-memory transactional processor is configured to store results of at least one process step of the at least one second business transaction during the course of processing the first business transaction in an in-memory database, evaluate, at a decision point within the first business transaction, a plurality of alternative process steps, during runtime, and determine a subsequent process step from the plurality of alternative process steps based on the contextual data and captured information stored in the in-memory database. | 04-17-2014 |
20140108235 | Systems and Methods for Payment Settlement - The present disclosure includes a system, method, and article of manufacture for settling payment. In various embodiments, the method may comprise creating a group comprising a plurality of transaction accounts associated with a shared financial obligation, and settling a plurality of records of charge (ROCs) corresponding to the shared financial obligation between each of the plurality of transaction accounts in the group. The method may further comprise transmitting one of a plurality of ROCs to a member associated with one of a plurality of transaction accounts in a group, and/or receiving an indication that one of the plurality of ROCs is subject to the shared financial obligation. Further, in various embodiments, the method may comprise creating a group in response to authentication of a plurality of members to a single web client, and/or creating the group in response to a group initiation event by a group initiator. | 04-17-2014 |
20140108236 | Hosted Disbursement System - Systems and methods are disclosed for making disbursements to one or more consumers via a hosted disbursement system. In accordance with an embodiment, a method can comprise receiving, at a merchant service provider, a request to make a disbursement to a consumer from a merchant. The request can be received from a merchant server and include disbursement information corresponding to the disbursement. The method can further comprise receiving, at the merchant service provider, a selection of a distribution option from the user, which corresponds to a type of account to receive the disbursement. The method can further comprise receiving, at the merchant service provider, account information from the consumer. The account information is sent to the merchant service provider from a user device, bypassing the merchant server. The method can further comprise processing the disbursement using the account information to transfer funds corresponding to the disbursement to the consumer. | 04-17-2014 |
20140108237 | Automatic Savings Program - A computer implemented method of processing a financial transaction executed by first person includes determining an automatic savings amount from the financial transaction by rounding up the amount of the financial transaction to the nearest dollar. The method further includes debiting the calculated savings amount from an account of the first person and crediting the savings amount to an account of a second person. | 04-17-2014 |
20140108238 | RULES SUGGESTION ENGINE - Embodiments of the invention are directed to systems and methods for implementing a rules suggestion engine that suggests rules to a user for lowering fraud in future transactions. Embodiments of the invention segment the transaction data based on at least one attribute defined by the user. One or more key indicators are identified corresponding to the segmented data. A correlation is performed between the user defined attribute and one or more key indicators. One or more transaction rules are generated based on the correlation that are suggested to the user for future transactions. The user can customize the rule, a field of rule, a prioritization of the rules, and even create categories of rules. | 04-17-2014 |
20140108239 | FACILITATING PRESENTATION OF CONTENT RELATING TO A FINANCIAL TRANSACTION - Systems, methods and computer-readable media for facilitating the presentation of content associated with a financial transaction are disclosed. The content may be identified by a requestor or a party to the financial transaction on whose behalf a request associated with the financial transaction is received. A content location identifier that identifies a location where the content is stored may be identified or generated and may be included in or otherwise provided in association with a debit or credit instruction. The content location identifier may be presented by a user interface associated with a financial institution in conjunction with other transaction information and may facilitate access to the content and presentation of the content to a user. | 04-17-2014 |
20140114840 | AUTOMATED FRAUD DETECTION - A system includes a transaction server configured to receive and process retail transactions. A fraud detection server is in communication with the transaction server and is configured to generate a plurality of fraud models from a first subset of the retail transactions. Each fraud model represents a potentially fraudulent transaction. The fraud detection server further predicts an effectiveness of each of the plurality of fraud models to identify potentially fraudulent transactions, selects the fraud model based at least in part on the predicted effectiveness based on the first subset of the retail transactions, and transmits the selected fraud model to the transaction server. The transaction server is configured to apply the selected fraud model to at least a second subset of the retail transactions to identify potentially fraudulent transactions. | 04-24-2014 |
20140114841 | Monitoring Flows in an Evolving Transaction Network Using Dynamic Rules - Methods and arrangements for monitoring and flagging distinct flows in an evolving network. There is identified a locality comprising at least two nodes in a graph of nodes and edges, wherein the edges represent interactions between nodes. At least one target source-destination node pair is identified in the locality for monitoring, and at least one monitoring rule is generated. An interaction is flagged upon a detected violation of at least one monitoring rule, and there is updated, in response to the detected rule violation, at least one of: the identified locality; the at least one target source-destination pair; and the at least one monitoring rule. | 04-24-2014 |
20140114842 | GIFT CARD CLEARING HOUSE - Embodiments of the invention are directed to systems, methods and computer program products for processing a gift card upon association of a gift card with an account. An exemplary apparatus is configured to: receive information associated with a gift card, the gift card associated with a merchant; associate the gift card with the account; transmit funds to an entity, the amount of funds being less than or equal to a face value of the gift card; and receive custody of funds associated with the gift card. | 04-24-2014 |
20140114843 | METHOD FOR DETECTING FRAUDULENT MONEY TRANSFER - A method detects fraudulent transaction of money transfer to a mule account, according to which a detection software module is injected into a browser or a website to be protected. The detection module traces the content and the activities performed on a webpage of the website and detects any exceptional activity/condition which may be fraudulent online activity performed by malware and waits until all sensitive data to perform a fraud transaction is entered. Then the detection module stores and/or forwards the details of the mule account that has been used for the fraudulent transaction. | 04-24-2014 |
20140114844 | SYSTEM, METHOD, AND APPARATUS FOR SETTLEMENT FOR PARTICIPATION IN AN ELECTRIC POWER GRID - Systems, methods, and apparatus embodiments for electric power grid and network registration and management of physical and financial settlement for participation of active grid elements in supply and/or curtailment of power. Settlement is provided for grid elements that participate in the electric power grid following initial registration of each grid element with the system, preferably through network-based communication between the grid elements and a coordinator, either in coordination with or outside of an IP-based communications network router. A multiplicity of active grid elements function in the grid for supply capacity, supply and/or load curtailment as supply or capacity, and are compensated through settlement for their functional participation in the electric power grid. Also, messaging related to settlement is managed through a network by a Coordinator using IP messaging for communication with the grid elements, with the energy management system (EMS), and with the utilities, market participants, and/or grid operators. | 04-24-2014 |
20140114845 | THREE-DIMENSIONAL VIRTUAL ENVIRONMENT - Systems and methods of rendering a three-dimensional (3D) virtual environment rendering are disclosed. The system comprises a central processing device, a plurality of user devices in data communication with the central processing device, a plurality of application servers in data communication with the central processing device, and software executing on the central processor. The software creates and renders a 3D virtual environment, receives user data from each of the plurality of user devices, renders the user data received from each of the user devices in the 3D virtual environment, receives application data from each of the application servers, renders the application data received from each of the application servers in the 3D virtual environment, and outputs the rendered 3D virtual environment to each of the user devices. The 3D virtual environment serves as a direct user interface with the Internet by allowing users to visually navigate the world wide web. | 04-24-2014 |
20140114846 | TRANSACTION SYSTEM AND METHOD FOR USE WITH A MOBILE DEVICE - A transaction system constituted of: a mobile device comprising a display; a transaction server; and a communication network arranged to provide communication between the mobile device and the transaction server, wherein the mobile device is arranged to transmit identification information to the transaction server via the communication network, and wherein the transaction server is arranged to: identify the mobile device responsive to the mobile device transmitted identification information; associate the identified mobile device with a particular access point; transmit, via the communication network, trans action information to the mobile device, the transmitted transaction information responsive to the associated particular access point, wherein the mobile device is arranged to output onto the display information responsive to the transmitted transaction information. | 04-24-2014 |
20140114847 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING PROGRAM, RECORDING MEDIUM HAVING STORED THEREIN INFORMATION PROCESSING PROGRAM - Provided are an information processing apparatus, an information processing method, an information processing program, and a recording medium having stored therein the information processing program, which can reduce time and effort necessary for a user to find his desired review information. The information processing apparatus searches transaction targets, based on a search condition used for searching transaction targets designated by a user, and acquires review information regarding each of the searched transaction targets. The information processing apparatus determines a display priority order of the review information regarding the transaction targets with respect to each of the searched transaction targets, based on the search condition, and displays at least one piece of the review information regarding each of the transaction targets on a display screen, based on the display priority order. | 04-24-2014 |
20140114848 | MERCHANT DATA CLEANSING IN CLEARING RECORD - A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service will be provided with the cleansed, and optionally augmented, merchant information. Providing this data to the issuer could be used to help reduce costs associated with “do not recognize” calls by cardholders, disputed charges, and charge-backs. With cleansed data provided in the clearing record, a device holder would be given access to this cleansed information about the merchant where a transaction took place through their statement. The present disclosure also provides for augmenting the clearing record data to include merchant-specific add-on and/or aggregate data not presently included in the transaction clearing record, yet useful to the issuer both in form and content. | 04-24-2014 |
20140122323 | System and Method of Providing Monitoring Service on Demand - A regional security system can be operated in an unmonitored state, a locally monitored state or a remotely monitored state. Monitoring by a displaced monitoring service can be provided on demand, in the absence of a pre-established account, for intermittent time intervals as needed. The request for activation of the displaced monitoring service can be entered via wireless communications devices such as smart phones, computers, tablets, smart cards or the like, along with scheduling information and duration of the requested monitoring. Such monitoring can also be terminated from any one of such devices. | 05-01-2014 |
20140122324 | System and Method for Online Gift and Donation Exchange - An online method for facilitating the exchange of monetary or non-monetary gifts comprising, providing a computer data transfer server communicatively linked to a wide area network, connecting a gift exchange server communicatively to the computer data transfer server, giving access to the computer data transfer server to at least one user, registering the at least one user as a gift exchange user, accepting a monetary transfer or gift purchase for a exchangeable gift from the at least one user, storing data in the gift exchange server identifiably linked to the at least one user that is associated with the exchangeable gift; and transferring the exchangeable gift from one user to another user. | 05-01-2014 |
20140122325 | CARD FRAUD DETECTION UTILIZING REAL-TIME IDENTIFICATION OF MERCHANT TEST SITES - A system and method for detecting a test event involving a financial transaction device at a merchant having a merchant profile is disclosed. The method includes receiving data associated with a transaction involving a financial transaction device; calculating a score using at least the transaction data; comparing the score to a threshold value; and attaching a merchant probe flag to the merchant profile if the score exceeds the threshold value. The merchant probe flag indicates a likelihood that a test event has occurred at the merchant based on the score. If a test event has occurred, then financial transaction devices involved in the test event can have their profiles updated to reflect that they have been probed. If a financial transaction device that has been probed is used in a subsequent transaction, then a specialized fraud scoring model can be used to provide an improved fraud risk score. | 05-01-2014 |
20140122326 | CREDIT CARD IMAGING FOR MOBILE PAYMENT AND OTHER APPLICATIONS - A mobile payment device includes a contactless payment module, a processing module, and a display module. The contactless payment module is coupled to execute a credit payment transaction. The processing module is coupled to detect the executing of the credit payment transaction and retrieve credit image data based on the detecting. The display module is coupled to process the credit image data into a displayed credit image. | 05-01-2014 |
20140122327 | CROSS BORDER GIFT CARDS - International transactions from a first country to a second country can be facilitated using a gift card purchased by a purchaser in the first country from a seller entity, conveyance of a code or other redemption information to a recipient in the second country, and redemption of the code or other redemption information at a redeeming entity. Methods, systems, article of manufacture and the like are described. | 05-01-2014 |
20140129423 | TRANSACTION COST RECOVERY COMPLIANCE CALCULATOR - Methods and apparatus may include a calculator for use in determination of a cost of acceptance associated with a purchase and/or group of purchases. The calculator may determine one or more surcharge attributes based on input provided by a transaction participant and one or more transaction fee rules. Apparatus and methods may include a device for dynamically adjusting the transaction cost based on a change in a surcharge attribute. Apparatus and methods may include determining a transaction cost by obtaining authorization services from one interchange provider and final settlement with a second interchange provider. Apparatus and methods may implement a secondary market for trading bundled transactions associated with specified surcharge attributes. | 05-08-2014 |
20140129424 | TRANSACTION COST MIRROR - Methods and apparatus may include a calculator for use in determination of a cost of acceptance associated with a purchase and/or group of purchases. The calculator may determine one or more surcharge attributes based on input provided by a transaction participant and one or more transaction fee rules. Apparatus and methods may include a device for dynamically adjusting the transaction cost based on a change in a surcharge attribute. Apparatus and methods may include determining a transaction cost by obtaining authorization services from one interchange provider and final settlement with a second interchange provider. Apparatus and methods may implement a secondary market for trading bundled transactions associated with specified surcharge attributes. | 05-08-2014 |
20140129425 | DYNAMIC BOOST OF NEAR FIELD COMMUNICATIONS (NFC) PERFORMANCE/COVERAGE IN DEVICES - Described herein are architectures, platforms and methods for dynamic amplification/boosting of near field communications (NFC) antenna transmission power in a device during NFC related functions that require increase in an NFC antenna transmission power such as a payment transaction. For example, to comply with Europay MasterCard and Visa (EMVco) standards with regard to higher NFC antenna transmission power during the EMVco transactions, the NFC antenna transmission power may be dynamically controlled to maximize efficiency of a battery/power supply of the device. | 05-08-2014 |
20140129426 | METHOD AND SYSTEM FOR DETECTION OF A FUEL CARD USAGE EXCEPTION - Determining a fuel card usage exception with the use of a computer that receives fuel card transaction data responsive to a fuel purchase event. The fuel card transaction data identifies a quantity of fuel purchased for a vehicle using a fuel card. In addition, the computer receives first fuel level data and second fuel level data of the vehicle that identifies a quantity of fuel present in a fuel tank of the vehicle prior to a fuel purchase event and after a fuel purchase event respectively. The computer can determine an exception associated with the fuel purchase event based on the fuel card transaction data, the first fuel level data, and the second fuel level data. Responsive to detecting an exception associated with the fuel purchase event, the computer may generate an alert and transmit the alert for presentation by a computing device of a user. | 05-08-2014 |
20140129427 | SYSTEMS AND METHODS TO DETERMINE A VALUE RELATING TO A POST - Products and processes are provided in which information is received about a post for an item to be sold. The information may include type data identifying the item for sale as being a specific type of item. Based on the received type data, a posting payment amount is determined. | 05-08-2014 |
20140129428 | QR CODE-ENABLED P2P PAYMENT SYSTEMS AND METHODS - Systems and methods are provided for facilitating peer-to-peer payment transactions using mobile devices. In one implementation, a method facilitating a computer system to complete a peer-to-peer payment transaction using a mobile device is disclosed. The method comprises determining a financial account for providing funds for the payment transaction. The method further includes receiving a user input comprising a payment amount for the payment transaction, and generating a QR code comprising a representation of the payment amount. Additionally, the method comprises displaying the QR code on the display of one mobile device for purposes of scanning by a second mobile device. Apparatuses and systems for implementing the method, as well as for processing the generated QR code after it is scanned by the second mobile device are also disclosed. | 05-08-2014 |
20140129429 | ROUTING FOR DIRECT TO ACCOUNT PAYMENTS - Various systems and methods are described for analyzing multiple money transfer routing schemes. Each of these multiple money transfer routing schemes may comprise a route to transmit funds from the source for the money transfer transaction to the destination for the money transfer transaction. An internal money transfer routing scheme may refer to a money transfer routing scheme that utilizes a direct money transfer arrangement between the destination of the money transfer transaction and the money transfer network. An external money transfer routing scheme may refer to a money transfer routing scheme that utilizes at least one third party money transfer network between the destination of the money transfer transaction and the money transfer network. The multiple money transfer routing schemes may be analyzed and the preferable money transfer routing scheme at least partially based on the predefined criterion from among the multiple money transfer routing schemes may be identified. | 05-08-2014 |
20140129430 | EXPERT ENGINE TIER FOR ADAPTING TRANSACTION-SPECIFIC USER REQUIREMENTS AND TRANSACTION RECORD HANDLING - In a platform comprising a service tier, an enabling tier, and a personalization tier, applying an expert engine to analyze one or more mobile device user and transaction environment requirements and configuring one or more platform features in accordance with the analysis. | 05-08-2014 |
20140136398 | SYSTEM AND METHOD FOR CONSOLIDATING ACCOUNT DATA - Embodiments include a method of mapping accounts from a plurality of accounting files to a set of standard accounts. In one embodiment, the method includes identifying an account type of a first account having a first account name, mapping the first account to a first one of a plurality of sub accounts of the account type, and combining an amount of the first account with an amount in the first one of the sub accounts. | 05-15-2014 |
20140136399 | METHOD FOR ESTABLISHING USER CONNECTIONS AND A COMPUTER NETWORK SYSTEM EMPLOYING SAME - A method and a computer network system for establishing fee-based contacts between users are disclosed. The system sets up a system credit account, and sets up a user credit account for each user thereof. Each user may designate a fee for establishing a contact therewith. A first user may add a second user to the contact list by paying a basic fee set up by the system and the fee designated by the second user. At least a portion of the fee paid by the first user is deposited to the system credit account and the rest is deposited to the credit account of the second user. | 05-15-2014 |
20140136400 | SYSTEM FOR THE OPTIMIZATION OF THE CREDIT CARD DECISION PROCESS - A system and method of recommending a preferred payment method for individual transactions may include a software program. A user may set up an account and input personal information, payment information and store information for a potential purchase. A server database may store the inputted information. The user may select a store choice and receive an estimate of a purchase amount. The user may receive recommended payment method based at least on the purchase amount, the payment information, user preferences and the store information. | 05-15-2014 |
20140136401 | FINANCIAL TRANSACTION SYSTEMS AND METHODS - A computer-implemented method for facilitating the transfer of funds from a sending account to a receiving account, the method including the steps of: receiving first data from a first device, the first data including: first transaction data representing a first portion of information required to transfer the funds; and second device identification data uniquely identifying a second device; transmitting request data to the second device identified by the second device identification data, at least a portion of the request data being derived from the first data; receiving from the second device second transaction data representing a second portion of the information required to transfer the funds; and generating combined transaction data from the first transaction data and second transaction data for subsequent transmission to a transaction processor. | 05-15-2014 |
20140136402 | MOBILE WIRELESS FINANCIAL INSTRUMENT FOR AUTOMATICALLY SELECTING A PAYMENT INSTRUMENT - The specification and drawing figures describe and illustrate a point-of-sale payment system. The point-of-sale payment system includes a mobile wireless communications instrument having at least one data processor. The data processor is capable of automatically selecting a payment instrument for transmitting a payment sum across a mobile wireless communications network and, if necessary, a credit network. The point-of-sale payment system may also include a data transmission subsystem for receipt, storage, processing, and transmittal of data across the wireless communications network and/or the data transmission subsystem. | 05-15-2014 |
20140136403 | MULTI TENANCY FOR SINGLE TENANCY APPLICATIONS - A mechanism is provided for deploying software applications in a cloud computing environment. An administrator is provided an interface for allowing a software application that is designed for a single tenant to be used by a plurality of users. An aspect of the invention is to provide a mechanism for quickly and easily giving multi-user qualities to a single tenant application like autoCAD. As such, multiple users can access the application without the need to download and install a version locally on their system. The system is able to determine the period of time for which an application is in use for a given user, because every application is run on a resource that is part of the cloud environment. Therefore, it is possible for the application provider to charge for the application in a usage-based model—e.g., by the hour, or day—without any re-engineering of the existing application. | 05-15-2014 |
20140136404 | Dynamic Management and Netting of Transactions Using Executable Rules - Systems and methods for dynamically managing and netting transactions based on one or more sets of netting rules are disclosed. The present invention dynamically associates transactions with one or more collections based on the execution of netting rules to identify transactions that may be ideal for netting and to perform netting operations and calculations accordingly. The present invention may execute the netting rules according to the priority of the netting rule within a rule hierarchy and utilizes unique solutions allowing for the efficient processing of transactions even as netting rules are created, modified and removed from time-to-time. In addition, embodiments of the disclosed netting system utilize denormalized sets of data and maintain a complete audit trail for all operations. | 05-15-2014 |
20140143135 | VOLUME BASED TRANSACTION COST RECOVERY - Apparatus and methods for determining a surcharge yield are provided. A surcharge behavior may be monitored during a time period. A change in a first performance metric may be monitored during the time period. A change in a second performance metric may be monitored during the time period. A relationship between the surcharge behavior, the change in the first performance metric and the change in the second performance metric may be determined. The surcharge yield may be determined based on the relationship. Apparatus and methods for adjusting a transaction cost recovery amount are provided. A rate of change in a transaction volume may be monitored. The transaction volume may be associated with a merchant location. When a threshold rate of change is detected the transaction cost recovery amount may be adjusted. | 05-22-2014 |
20140143136 | SYSTEM AND METHOD FOR SIMPLIFIED CHECKOUT WITH PAYMENT FLOAT - In various embodiments, a system and method for providing simplified checkout with payment float are provided. In example embodiments, an identifier that corresponds to a payment account of a user is received at a payment provider system. A determination is made that the identifier corresponds to a payment account of the user at the payment provider system. A determination is made to provide a float option to float payment for the user in a payment transaction involving a merchant system. A user interface providing the float option is presented to the user. If the user selects the float option, payment is floated to the user and the user agrees to pay back the floated payment within a predetermined time period. | 05-22-2014 |
20140143137 | DEVICE PAIRING VIA TRUSTED INTERMEDIARY - Embodiments are directed at systems, apparatuses, and methods for indirect device pairing through a trusted intermediary. One embodiment is directed to a method including receiving a pairing identifier associated with an untrusted device controller. The method further comprises extracting the pairing identifier from the pairing request, searching a pairing identifier database for a matching pairing identifier, determining an untrusted device controller associated with the matching pairing identifier, and sending the pairing request to the untrusted device controller. The untrusted device controller may identify the untrusted device, associate the pairing identifier with the trusted intermediary, and lock the pairing identifier. The method further comprises receiving a pairing response indicating that the untrusted device is paired with the computer. Accordingly, the trusted device is indirectly paired to the untrusted device and the trusted device is configured to complete a transaction with the untrusted device without communicating transaction information to the untrusted device. | 05-22-2014 |
20140143138 | REPUTATION ASSESSMENT VIA KARMA POINTS - This patent describes a system and/or a method that facilitates ensuring reliability in an online transaction. An interference component can receive data related to at least one user involved with an online transaction associated with commerce. An evaluation component can generate a reputation associated with the user based on at least one online activity and can employ a pre-determined handshake period for at least one of a feedback on the online transaction or an acknowledgement of a portion of the online transaction. | 05-22-2014 |
20140143139 | SYSTEM AND METHOD FOR FACILITATING A TRANSACTION BETWEEN AN ENTERPRISE AND A PERSON USING A MOBILE DEVICE - A system and method for a transaction between a person using a mobile device and an enterprise is disclosed. A computing system, application program interface, and data storage, and network connectivity is provided. Data files can be presented to the mobile device. A system and method for conducting a transaction structured between a merchant and a customer with a mobile device involving the interchange of information is also disclosed, Data is presented to the mobile device of the customer by a push notification, messaging, text messaging, SMS, multimedia messaging, MMS, internet communication, mobile web communication, mWeb, application program communication, mobile application program, mApp, electronic mail and/or e-mail. The transaction may comprise a session; session data is available for a specified use or time. Information may comprise personally-identifiable information (PII), private health-care information (PHI), private credit information (PCI) and/or enterprise secure data (ESD). | 05-22-2014 |
20140143140 | Financial Account Management - An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts across multiple financial institutions in accordance with the user-defined rules. Other features, such as an on-line bill payment system, a money transfer system, and a retirement planning system, may be integrated within the automated account management system to provide the user with even greater control over his or her financial assets. | 05-22-2014 |
20140143141 | Method for expert Advisors to provide one on one phone call or chat advice services through unique empowered independent agents to consumers using mobile devices - The present invention provides techniques for managing, supporting and empowering Independent Agents to offer a method for enabling expert Advisors to deliver, and charge for, advice to consumers, by connecting two parties in real time in an online chat using mobile devices. The present invention also provides the method and techniques for expert Advisors, in turn, to provide their service through a multiplicity of Independent Agent channels without the potential for communication device conflict; thereby ensuring successful connections for consumers. | 05-22-2014 |
20140149280 | REAL-TIME MULTI MASTER TRANSACTION - According to some embodiments, a system comprises a plurality of data centers communicatively coupled by a network. The data centers include an assigned data center and a second data center. The assigned data center receives a request for a session, determines the session passes authentication, and communicates session information to the second data center indicating the session passes authentication. The assigned data center also receives a first message comprising a first portion of transaction information and communicates synchronization data for replicating the first portion of transaction information at the second data center. The second data center receives a second message comprising a second portion of transaction information. The system facilitates a financial transaction in real-time based on the first portion and the second portion of transaction information. | 05-29-2014 |
20140149281 | SIGN INTERFACE CONTROL WITH OPTIONAL PAYMENT - An interface control is activated to provide a signature to a legal document, an application for a contractual obligation or other document requesting legal signature, in conjunction with an optional payment mechanism. The interface control initiates facilitation of signing of the document or application, and optionally enables payment for the document, application or associated product or service. A client signature generated from a client with a client device and purchasing data of the client are provided in a transaction in response to activation of the interface control. | 05-29-2014 |
20140149282 | SYSTEMS AND METHODS FOR PROCESSING ELECTRONIC TRANSACTIONS BASED ON CONSUMER CHARACTERISTICS - Methods are disclosed for processing electronic transactions between a merchant and a consumer based on physical geography. A method includes receiving payment data associated with a consumer payment card; transmitting the payment data, over a network, to a third party; receiving, over the network, information for determining whether a geofence associated with the merchant matches a geofence associated with the consumer; and processing a transaction with the consumer based on whether the consumer geofence ID matches a geofence ID associated with the merchant. Systems for processing electronic transactions between a merchant and a consumer based on physical geography are also disclosed. | 05-29-2014 |
20140149283 | ACCOUNT OPENING COMPUTER SYSTEM ARCHITECTURE AND PROCESS FOR IMPLEMENTING SAME - The present invention provides, in alternative embodiments, a computer architecture and/or computer implemented methods for account opening. In some embodiments, an integrated, component-based technology platform, globally standardized, business configurable account opening processes are separate and decoupled from the user interface screens and are directly manageable by business functionality and/or personnel. In various embodiments, the invention provides pause and resume, save and retrieve, cross-channel, metrics, audit tracking, data logging, and/or straight-through processing capabilities for account opening. | 05-29-2014 |
20140149284 | METHODS AND APPARATUS FOR FUNDING TRANSACTIONS USING DEBIT CARDS ISSUED BY ONE INSTITUTION AND FUNDS FROM ACCOUNTS AT OTHER INSTITUTIONS - Methods, apparatus, and systems for funding transactions disclosed herein may operate to configure a plurality of backup funding sources for a primary funding source, and enable a consumer associated with the primary funding source to select at least one backup funding source among the plurality of backup funding sources. A request to fund a transaction associated with the primary funding source may be received, and the transaction may be funded using funds from at least one of the primary funding source and the at least one selected backup funding source. | 05-29-2014 |
20140156505 | AGENT-AIDED TRANSACTION - Embodiments of the invention are directed to systems, methods and computer program products for serving a user at a facility. In some embodiments, a system is configured to determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; determine the transaction can be executed on the mobile device; and in response to determining the transaction can be executed on the mobile device, demonstrate the transaction to the user, wherein the demonstration assists the user to execute the transaction. | 06-05-2014 |
20140156506 | SELF-SERVICE USING MOBILE DEVICE - Embodiments of the invention are directed to systems, methods and computer program products for enabling self-service at a facility. In some embodiments, a system is configured to: determine a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; prompt the user to perform, on the mobile device, an action associated with the intended transaction while the user is waiting to interact with at least one of the agent or the computing device. | 06-05-2014 |
20140156507 | LOCATION BASED BANKING - A system provides assistance to a user having a user device proximate a financial institution location by receiving a communication initiated by an application running on the user device without initiation by the user; establishing a connection with the user device; determining an identity of the user; determining a user purpose for visiting the location; and communicating instructions to the application running on the user device, the instructions to cause the user device to navigate to a page of a website of the financial institution corresponding to the determined user purpose for visiting the location. In some embodiments, the identity of the user is determined by determining whether a received PIN matches a stored PIN associated with a device ID received from the user device. | 06-05-2014 |
20140156508 | Splitting A Purchase Among Multiple Parties Using An Electronic Receipt After The Transaction - A method is disclosed for a customer splitting the cost of a purchase with other persons. An electronic receipt may be viewed on a mobile electronic device with electronic receipts software thereon. Using a device configured according to one or more embodiments of the invention, a customer is able to select the receipt for splitting as well as selecting other persons to share the cost of items on the receipt. The customer may allocate item cost among those other persons. Information may be sent to a server or computer system to provide notifications to the other persons. The server may then process the request and transmit receipt information/notifications to the person requested by the customer. | 06-05-2014 |
20140156509 | Collateral Mechanisms - Techniques for providing collateral and satisfying collateral requirements are disclosed. The techniques involve participation rights to allow a second party having commercial contracts with a first party to draw against assets of a legal trust whose assets are funded by investors, determining terms for issuance of the obligations, including a guarantee by the first party to redeem assets in the legal trust that are drawn by the second party and recording contracts formed with two or more independent contract providers that are jointly and severally liable for a negative difference between the value of assets the first party contributes to the legal trust and the value of the assets actually drawn by the second party. | 06-05-2014 |
20140156510 | METHOD AND SYSTEM OF PROVIDING FINANCIAL TRANSACTIONS FOR THE VISUALLY IMPAIRED - A method for audibly communicating transaction details includes: storing payment card details for a payment card, the card details including a payment card number; receiving transaction details for a financial transaction involving the payment card, the transaction details including a transaction amount; and audibly emitting the transaction amount for the financial transaction. A method for audibly communicating account information which includes: capturing an image of a payment card; processing the captured image of the payment card to identify payment card details, the card details including a payment card number; transmitting the identified card details; receiving account details for a financial account associated with the payment card, the account details including at least an account balance; and audibly emitting the account balance for the financial account. | 06-05-2014 |
20140156511 | METHOD AND APPARATUS FOR PROVIDING EXCHANGE OF GIFT CARDS - An approach for a way to exchange gift cards (as well as other incentives, such as coupons) in a fair, efficient and secure environment. A first gift card information associated with a first merchant is received. The gift card information and user request information are evaluated to determine an exchange value. A second gift card information associated with a second merchant is determined based upon the exchange value. | 06-05-2014 |
20140156512 | PROVIDING MONEY TRANSFER USING A MONEY TRANSFER PLATFORM - The present disclosure describes methods, systems, and computer program products for providing funds transfer over an existing retail payment system using a money transfer platform. One method includes receiving a funds transfer request associated with a funds pack for transferring funds from a first location to a receiver in a second location, requesting validation of a unique identifier associated with the funds pack from a first-location payment network provider, receiving a validation success notification responsive to the requested validation of a unique identifier from the first payment network provider, generating a termination identifier identifying the funds transfer transaction request, transmitting the termination identifier to the receiver, providing instructions causing funds to be paid to the receiver upon presentation of the termination identifier, and receiving a request for funds from a second-location payment network provider, the request for funds associated with payment of funds based on presentation of the termination identifier. | 06-05-2014 |
20140156513 | USING NON-PUBLIC SHIPPER RECORDS TO FACILITATE RATING AN ENTITY BASED ON PUBLIC RECORDS OF SUPPLY TRANSACTIONS - A platform facilitates buyers, sellers, and third parties in obtaining information related to each other's transaction histories, such as a supplier's shipment history, the types of materials typically shipped, a supplier's customers, a supplier's expertise, what materials and how much a buyer purchases, buyer and shipper reliability, similarity between buyers, similarity between suppliers, and the like. The platform aggregates data from a variety of sources, including, without limitation, customs data associated with actual import/export transactions, non-public shipper records, and facilitates the generation of reports as to the quality of buyers and suppliers, the reports relating to a variety of parameters that are associated with buyer and supplier quality. | 06-05-2014 |
20140156514 | Mobile Payment Method, Device and System for Server and Client - The present invention provides a mobile payment method, device and system for a server and a client. The mobile payment method for a server includes: receiving a payment request message sent by a client; and selecting one piece of payment channel information in a preset payment channel information set and issuing the same to the client. The payment channel information set includes a plurality of pieces of channel information, regions covered by different payment channel information do not overlap completely, and the multiple pieces of payment channel information cover all regions. The server may select different payment channel information provided by a plurality of payment providers to form a payment channel information set so that the payment server that may be provided can cover all regions, which overcomes the limitation in the prior art that a certain piece of payment channel information only covers some regions. | 06-05-2014 |
20140156515 | DYNAMICALLY REACTING POLICIES AND PROTECTIONS FOR SECURING MOBILE FINANCIAL TRANSACTION DATA IN TRANSIT - A secure mobile financial transaction is provided by receiving, over a communication network, a list of protection mechanisms available for implementation by an external terminal. Security-related data is received from one or more sensors and an attack signature is computed based on the security-related data. An appropriate security policy is selected from multiple security policies stored in a database based on the list of protection mechanisms and the attack signature. A secure communication session is established between the external terminal and an internal network component according to the selected security policy. A data message associated with a mobile financial transaction is communicated over the communication network during the communication session. | 06-05-2014 |
20140164219 | SYSTEMS AND METHODS FOR TRANSACTION PROCESSING BASED UPON ENCODED DATA AND/OR LINKING INSTRUMENTS - The present disclosure includes a system, method, and article of manufacture for processing a transaction. The method may comprise receiving encoded data from a customer web client, receiving customer supplied data from the customer web client, processing the transaction based upon the encoded data and the customer supplied data, and transmitting a reply to the customer web client in response to the processing. Further, in various embodiments, the customer web client may scan the encoded data from a merchant web client, and/or the encoded data may encode a merchant web client identifier. Customer supplied data may include, among other things, transaction account data and/or transaction information. | 06-12-2014 |
20140164220 | PAYMENT INSTRUMENT SELECTION - Example apparatus and methods concern helping a shopper figure out which payment instrument (e.g., card with frequent flyer miles, card with discount, card with hotel points, card with cash back, card with insurance) to use for a particular purchase. Example apparatus and methods identify payment options available for a purchase and identify incentives associated with the payment options. Example apparatus and methods compare the benefits (e.g., miles, points, discount, cash back) that will be provided to the purchaser for different payment options. Example apparatus and methods may then produce an ordered presentation of payment options to a consumer or to a purchase process. Example apparatus and methods may facilitate a consumer increasing the utility of participation in affinity programs, may facilitate a consumer achieving a reward status, may facilitate a consumer achieving a desired discount, or may generally improve the consumer's shopping experience. | 06-12-2014 |
20140164221 | TIME-LIMITED FUND SHARING METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable the pooling and sharing of funds to cover shared expenses for a limited time. An electronic basket is created. The electronic basket includes a virtual prepaid payment card with a unique identifier and associated with a user. The user is prompted for potential contributors to the electronic basket. A network interface electronically contacts the potential contributors, and the electronic basket is stored in a user-card database. When the basket expires, users are prompted to extend the time period, or remaining funds are returned to basket contributors. | 06-12-2014 |
20140164222 | Impulse Savings Using Savings Memoranda - A method includes receiving a message associated with a savings goal of a user, the message specifying an amount of money the user desires to contribute to the savings goal. The method further includes generating a savings memorandum associated with the savings goal that is stored in association with the savings goal and displaying the savings memorandum to the user along with a selectable option allowing the user accept, decline, or modify the savings memorandum. The method further includes initiating the transfer of the amount of money from a first account of the user to a second account of the user in response to a user selection to accept the savings memorandum, the second account being associated with the savings goal. | 06-12-2014 |
20140164223 | TARGET FINANCIAL INSTITUTION CHANNEL MIGRATION BASED ON TRANSACTION HISTORY - Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration based on patterns or trends in a customer's transaction history. Once a trend is identified, such as a customer makes weekly deposits at a banking center, recommendations for alternative financial channels are determined which are optimal to the financial institution, the customer or both. Optimization is defined in terms of the customer by the recommended transaction channels being more efficient/less time-consuming and in terms of the financial institution the recommended transaction channels being more cost efficient. Once the recommended transactions channels are determined, an alert is communicated to the customer in the form of email, text message, online/mobile banking posting or the like. | 06-12-2014 |
20140164224 | TARGETING BANKING CENTER CUSTOMERS FOR CHANNEL MIGRATION WITH BANKING CENTER REPRESENTATIVE-PERSONALIZED ALERTS - Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration away from first channel, such as banking centers and towards other transaction channels using banking representative-personalized recommendation alerts. In this regard the present invention serves to inform and encourage financial institution customers to use other more optimal financial institution channels for conducting transactions. Once recommendations for alternative transaction channels have been determined, alerts are generated and communicated within a selected time frame after the banking center transaction has been conducted. In addition to the recommendations, the alert is personalized by the banking center representative that assisted the customer, so as to further gain the attention of the customer. Moreover, the alerts may include further information to encourage the customer to use the recommendations, such as directions to the alternative financial institution channels, instructions for using the alternative channels and the like. | 06-12-2014 |
20140164225 | METHOD AND APPARATUS FOR CONTENT DISTRIBUTION AND DEFERRED PAYMENT OVER A WIRELESS NETWORK - A method and apparatus are disclosed herein for content distribution and deferred payment over a wireless network. In one embodiment, the method comprises: receiving content at a first mobile device in a first network directly from a second mobile device in the first network, making use of the content by the first mobile device while deferring payment for the content due to network access being unavailable to a remote license server in a second network different than the first network, and contacting the remote license server when the first mobile device gains network access to the second network to cause payment to be made for the content. | 06-12-2014 |
20140164226 | SOCIAL ELECTRONIC PAYMENT METHOD AND SYSTEM - The subject matter discloses a computer-implemented method, comprising: at an apparatus having one or more processing units and a memory: receiving a deposit order submitted from a payer account to a payee account; wherein the deposit order comprises a deposit amount; by the processing unit, automatically crediting the deposit amount to a payee account; receiving an electronic transaction order from the payee; wherein the electronic transaction order comprising an identification of a seller and wherein the electronic transaction order comprising a transaction amount; by the processing unit, calculating a payer commission fee from the transaction amount; by the processing unit, automatically crediting the payer account by the payer commission fee; and by the processing unit, automatically debiting a seller-account of the seller by the payer commission fee. | 06-12-2014 |
20140164227 | SYSTEM AND METHOD FOR SHARING DIGITAL OBJECTS - Implementations of systems and methods according to present principles provide new ways to share digital objects in computing environments, improving the user experience and also enhancing communication and relationships among people. The “sharings” can occur as a transfer of an object from one user to another or the transfer of the object into an environment (or vice versa). In one example, a user in a game designs and builds a digital object for a tower and then sells the tower in the game. The tower becomes popular and is used by many other players of the game, including as a part of their own constructions, and also begins to appear in system-generated structures. The creator of the original tower, as well as creators of components constituting the tower, may be provided with compensation for their efforts from such sales of subsequent towers or constructions using such towers. | 06-12-2014 |
20140164228 | METHODS AND SYSTEMS FOR VALUE TRANSFERS USING A READER DEVICE - Embodiments of the invention are directed to a method and system for conducting fund transfers between a plurality of payment devices using a reader device associated with a mobile device. The plurality of payment devices may be read by the reader device and payment data for the plurality of payment devices may be sent to a payment processing network to perform a funds transfer process. In other embodiments, a plurality of prepaid cards can be read by the reader device and prepaid card data for the plurality of prepaid cards may be sent to the payment processing network to perform a consolidation of the values of the plurality of prepaid cards. | 06-12-2014 |
20140164229 | SYSTEM AND METHOD FOR PERFORMING PERSON-TO-PERSON FUNDS TRANSFERS VIA WIRELESS COMMUNICATIONS - A funds-transfer system enables a buyer to transfer funds to a seller via a mobile telephone. The system receives a payment request transmitted from a mobile telephone of the buyer. The payment request is for a transfer of funds from a financial account held by the buyer to a financial account held by the seller, and the payment request is transmitted from a payment application stored in the buyer's mobile telephone. The payment request identifies a purchase amount to be transferred, and information identifying the financial account held by the buyer. The system charges the purchase amount to the financial account held by the buyer and transfers the purchase amount to a financial account held by the seller. | 06-12-2014 |
20140164230 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR A COLLECTION ON DELIVERY DELAYED DEPOSIT SERVICE - Various embodiments provide systems for providing a delayed deposit collection on delivery (COD) option to a customer. The system may comprise one or more computer processors configured to: (a) receive a portion of payment data and package data; (b) receive an indication of a payment deposit parameter; (c) associate the payment deposit parameter with the payment data; (d) compare the payment deposit parameter to a default deposit parameter; (e) calculate a payment deposit date based at least in part on the comparison and at least a portion of the package data comprising delivery data; (f) facilitate depositing the payment mechanism on the calculated payment deposit date; and (g) automatically re-present the payment mechanism if an error occurs during the depositing of the payment mechanism. Associated computer program products and computer-implemented methods are also provided. | 06-12-2014 |
20140164231 | PERSON-TO-PERSON PAYMENTS: CONTEXTUAL SPENDING - Receiving at a payment system a request associated with a first party to make a payment to a second party. Recommendations for utilizing the payment are evaluated based on a profile of the second party. The payment and a recommendation for utilization of the payment are sent to the second party. The recommendation that is sent is based on a profile of the second party and may include shopping at a physical store, shopping at an online store, ordering from a catalog, saving in an account, ordering a credit card, ordering a debit card. A transaction fee associated with the payment, and a portion of the fee to be paid by each party is calculated. | 06-12-2014 |
20140172688 | PUBLIC TRANSACTION ACCOUNT SYSTEM AND METHOD - In various embodiments, the systems, methods and computer program products (collectively “systems”) are configured to administer and facilitate a public transaction program. The systems may issue public transaction accounts, identify public transactions and communicate those transactions or indicators of those transactions to a digital channel. The systems may be configured to allow users to define preferences that cause the systems to select particular transactions as public transactions. As such, the systems provide users and merchants with the ability to promote merchants and/or items through digital channels with transaction data. | 06-19-2014 |
20140172689 | FUNGIBLE MONETIZATION OF MEDIA - Flexible managing and monetizing of multimedia content are applied in a distribution network. Credit amounts to charge to accounts are determined. Content servers can determine alter access to and ownership of services and/or multimedia content. Services and content can be purchased and/or altered during multimedia playback. | 06-19-2014 |
20140172690 | Systems and Methods For Matching Domain Specific Transactions - Systems and methods for matching domain-specific transactions are provided. Some of the disclosed systems and methods can include receiving, on a computing device, transaction data associated with an entity, retrieving signature data associated with the entity, wherein the signature data includes historic data associated with the entity; updating the signature data to include the transaction data, wherein updating includes using a model, and generating a score for the transaction data using the updated signature data and the model. The disclosed system and method further includes receiving new transaction data associated with the entity; retrieving the updated signature data associated with the entity; determining whether the transaction data and the new transaction data are related, and if so, updating the transaction data with the new transaction data, and generating a score for the updated transaction data using the updated signature data and the model. | 06-19-2014 |
20140172691 | SYSTEM AND METHOD FOR OPERATING MULTIPLE RENTAL DOMAINS WITHIN A SINGLE CREDIT CARD DOMAIN - A system and method for an all-inclusive, high speed and convenient delivery of digital content to a user is described. The system and method include software, firmware and communications technology for providing digital content to a user, monitoring and controlling an interface between the user and the system to provide for purchase or lease of digital content by the user as well as communicating and archiving all data necessary to accommodate accounting, billing and reporting functions. The system and method also provide for management of the assignment of digital rights management so as to allow rendering of the digital content on more than one device, and to allow the content to be rendered on a device that is not connected to a digital rights license management server. | 06-19-2014 |
20140172692 | FLEXIBLE AUTOMATIC SAVINGS PROGRAMS - Flexible automatic savings programs and/or processes are provided in which a consumer is presented with multiple options for automatic savings to be applied to transactions, such that savings amounts are transferred from a first account to a second account automatically for qualified accounts and transactions. A financial institution can assist the consumer select one of the options to apply to automatic transfers. Transfer policy can thus be customized for a consumer according to their savings needs and goals. Participation is limited to common, or overlapping, ownership status with respect to both source and target accounts, though other ownership entities can also be present. The way that savings amounts are determined for automatic transfers can also be dynamically customized to savings characteristics or goals of the consumer as those characteristics or goals change. | 06-19-2014 |
20140172693 | SYSTEMS AND METHODS FOR EFFECTING APPLICATION PROGRAMMING INTERFACES FOR PERSONAL PAYMENT TRANSACTIONS - Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In some embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction; a funding source engine for providing options to fund the payment; an payee identity engine for identifying the intended payee receiving the payment; a routing option engine for providing options to route the payment; and a messaging engine for providing channels for related parties to the personal payment transaction to communicate. | 06-19-2014 |
20140172694 | SYSTEMS AND METHODS FOR EFFECTING PERSONAL PAYMENT TRANSACTIONS - Systems, processes, and computer programs are disclosed for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may provide an interface dialog engine for providing a dynamic and customized interface for effecting the personal payment transaction and a funding source engine for providing options to fund the payment. The disclosed embodiments may also provide a payee identity engine for identifying the intended payee receiving the payment and a routing option engine for providing options to route the payment. The embodiments may also provide a messaging engine for providing channels for related parties to the personal payment transaction to communicate. | 06-19-2014 |
20140172695 | SYSTEMS AND METHODS FOR PROVIDING A USER INTERFACE FOR FACILITATING PERSONAL PAYMENT TRANSACTIONS - Systems and processes are disclosed for providing customized user interfaces for facilitating personal payment transactions. In certain embodiments, disclosed embodiments may generate a dynamic and customized interface for effecting the personal payment transaction by, for example, providing one or more options for the payer to fund the payment. The disclosed embodiments may provide an interface that includes one or more suggested recipients for identifying the payee associated with the payment transaction. The disclosed embodiments may also provide an interface that includes one or more routing options to route the payment. The disclosed embodiments may also provide an interface that provides one or more communication channel options for parties associated with the personal payment transaction to communicate. | 06-19-2014 |
20140172696 | METHOD AND SYSTEM FOR MANAGEMENT OF LOANS - A computerized information management system involving a client-server architecture. A memory comprises instructions for: storing information on each of several loans, wherein each loan is issued by a financial institution and received by a business actor, wherein the information on each loan comprises support provided to the financial institution and one or more obligations imposed on the financial institution, wherein the one or more obligations are imposed in exchange for the provided support; and retrieving some or all of the stored information in response to one or more requests from a client; and for using the retrieved information to check compliance with the imposed obligations. The obligations may include installment-free years of loans. As a result, businesses may retain more of the loan as operating capital, thus enhancing business activity, employment and tax payment. | 06-19-2014 |
20140172697 | SYSTEMS AND METHODS FOR DETECTING FRAUD IN RETAIL RETURN TRANSACTIONS - This disclosure describes systems, methods, and computer-readable media related to detecting fraud in retail return transactions. In some embodiments, one or more parameters associated with a retail transaction may be received by at least one server comprising one or more computer processors. The server may evaluate the one or more risk factor conditions associated with the one or more parameters. The risk factor conditions may be indicative of a fraudulent return transaction. The server may generate one or more risk scores associated with the retail transaction based at least in part on the evaluating of the one or more risk factor conditions. | 06-19-2014 |
20140172698 | INVOICELESS TRADING AND SETTLEMENT METHOD AND SYSTEM - Methods and systems consistent with the present invention overcome the shortcomings of existing trading systems by providing an invoiceless trading system that creates incentives for customers to pay suppliers within a predetermined period of time, such as a settlement period. Specifically, the invoiceless trading system enables a customer to obtain a discount on orders placed with suppliers in return for an immediate payment (e.g., within 24 hours) by the customer. The supplier receives payment within the predetermined period of time, and the customer receives additional cash benefits by providing an early payment to the supplier. To communicate with and transfer funds between customers and suppliers, the invoiceless trading system may use an electronic gateway and a settlement bank. In addition to creating an incentive to embrace e-commerce, both customers and suppliers avoid the need to manually process orders and use invoices to complete transactions. | 06-19-2014 |
20140172699 | WIRELESS NETWORK ACCESS PREPAYMENT SYSTEMS AND METHODS - A method of providing network access includes entering network access information into a merchant device at a merchant location. The information relates to a request from a customer to obtain network access. The method also includes causing the information to be transmitted to a host computer system from the merchant device, receiving a payment from the customer, receiving activation confirmation from the host computer system at the merchant device, and providing a presentation instrument to the customer. The presentation instrument may be used by the customer to obtain network access. The method further includes using the presentation instrument to settle a transaction with the customer for merchandise. | 06-19-2014 |
20140180909 | SECURE ONLINE COMMUNICATION THROUGH A WIDGET ON A WEB PAGE - A client device requests a web page via a network, where the web page is identified by an identifier and references a widget. In response to receipt of the requested web page, the client device requests the widget referenced by the web page and presents, within the requested web page, a presentation of the widget. Thereafter, in response to a user input via the presentation of the widget, information is transmitted via a secure connection between the widget on the client device and a server. The client device optionally presents confirmation of receipt of the information via the presentation of the widget while maintaining user context in the web page | 06-26-2014 |
20140180910 | DORMANT SHIPPING LABEL - A system and method for a dormant shipping label system are described. A shipper registers with the dormant shipping label system. Partial shipping information for a shipment is received from the shipper. The dormant shipping label system generates a dormant shipping label based on the partial shipping information and provides the dormant shipping label to the shipper, the dormant shipping label to be activated with a shipping service provider that generated the dormant shipment label upon receipt of additional shipping information to compute a shipping cost of the shipment, and upon receipt of payment of the shipping cost. | 06-26-2014 |
20140180911 | METHOD AND SYSTEM FOR TRANSACTION MANAGEMENT - A system, method, apparatus, means and computer program products for establishing, monitoring and maintaining spending controls in a payment system are provided. | 06-26-2014 |
20140180912 | METHOD FOR TRANSFERRING FUNDS - A method to transfer money to a payee's payment card account, without requiring an additional payment card or without acquiring a payee's payment card information is disclosed. A payee registers a payment card with a service provider. The payment card is associated with a payment card account. A payor transfers an initial amount of money to the service provider to be given to the payee, when payee uses the registered payment card for a specified spending category. The service provider stores the money until the payee uses the registered payment card to make a qualified purchase. | 06-26-2014 |
20140180913 | Social Network Media Sharing with Client Library - Concepts and technologies are described herein for providing media content sharing. The concepts and technologies disclosed herein can be employed to share media content with a social network, even for content subject to access control mechanisms and/or copyright laws. According to various embodiments disclosed herein, media content can be shared with a social network, or the like. An application running at or in conjunction with a computer can obtain information relating to media content displayed at or accessible to the computer, format the data, and transmit the data to a social networking site or other location in a format appropriate for the site. Contents and technologies for viewing the shared content also are disclosed. | 06-26-2014 |
20140180914 | PEER-TO-PEER NEIGHBORHOOD DELIVERY MULTI-COPTER AND METHOD - A method, device and system of an autonomous neighborhood multi-copter commerce network in a community are disclosed. In one embodiment, an autonomous neighborhood multi-copter includes a storage compartment of the autonomous neighborhood multi-copter in which items are storable, a computer system of the autonomous neighborhood multi-copter that is communicatively coupled to a commerce server of a neighborhood communication system through a wireless network to autonomously navigate the autonomous neighborhood multi-copter to a destination in the neighborhood specified by the commerce server using a peer-to-peer network of client side devices in the neighborhood that are geo-constrained to a location of a defined neighborhood, and a navigation server of the autonomous neighborhood multi-copter to provide a remote sensing capability to the autonomous neighborhood multi-copter such that the autonomous neighborhood multi-copter is autonomously navigable to the destination using the peer-to-peer network. | 06-26-2014 |
20140188698 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD, INFORMATION MANAGEMENT APPARATUS, INFORMATION MANAGEMENT METHOD, RECORDING MEDIUM, AND INFORMATION PROCESSING SYSTEM - An information processing apparatus includes a condition data obtaining unit configured to obtain condition data representing conditions of use of electronic money in a predetermined period of time from an information management apparatus which accepts access from a plurality of information processing apparatuses connected through a network, a condition determination unit configured to determine whether the conditions are satisfied in accordance with usage history of the electronic money stored in advance and the condition data, and a transmission unit configured to transmit, when the condition determination unit determines that the conditions are satisfied, application data including identification information for identifying an applicant to the information management apparatus. | 07-03-2014 |
20140188699 | MANAGING INTER-VEHICULAR BATTERY CHARGING TRANSACTIONS - A computer program product includes computer usable program code for: receiving, from an inter-vehicular charge recipient having a recipient vehicle, a request to arrange an inter-vehicular charge and a battery charge level for the battery of the recipient vehicle; receiving, from an inter-vehicular charge donor vehicle, a battery charge level for a battery of the donor vehicle; obtaining an anticipated route of the donor vehicle and an anticipated route of the recipient vehicle; for comparing the battery charge level of the battery of the recipient vehicle to the battery charge level of the battery of the donor vehicle to determine a suitability for inter-vehicular charging; comparing the anticipated route of the donor vehicle to the anticipated route of the recipient vehicle to determine a location to initiate charging; and generating and sending a proposal for an inter-vehicular charge transaction to the donor vehicle. | 07-03-2014 |
20140188700 | ONLINE PAYMENT SYSTEMS AND METHODS - Example online payment systems and methods are described. In one implementation, a method receives a request to pay for an online order from a user and receives an image of a negotiable instrument from the user. The method validates the image of the negotiable instrument. If the negotiable instrument is validated, payment for the online order is processed using the image of the negotiable instrument. | 07-03-2014 |
20140188701 | Mobile Payment Systems And Methods - Example mobile payment systems and methods are described. In one implementation, a mobile device creates an order with an online marketplace. The mobile deice captures an image of a negotiable instrument and communicates the image to the online marketplace along with a request to pay for the order using the negotiable instrument. The negotiable instrument is validated by the online marketplace. The mobile device receives a notification from the online marketplace indicating whether the request to pay for the order using the negotiable instrument was accepted. | 07-03-2014 |
20140188702 | CHANGING EMAIL TEXT BASED ON PAYMENT STATUS - An email payment system and method to provide users with the ability to initiate and send payments to one more recipients via email messaging. A user interface is provided in an email client that allows a user to insert payment with the email. Payment details are collected through one or more payment modals displayed in the email client. A payment object is inserted into the body of the email and is displayed to both the sender and recipient. The payment details captured in the payment object are communicated to a payment processor. The payment processor uses electronic payment accounts associated with the corresponding sender and recipient email addresses to identify the relevant electronic payment accounts and transfer the payment between said accounts. A status of the payment transaction is tracked and displayed within the payment object of the emails residing in both the sender and recipient email client. | 07-03-2014 |
20140188703 | STREAMLINED TRAVEL PAYMENTS - Systems and methods for making payments during travel are described. The methods include receiving payment instructions for a plurality of predetermined locations associated with a plurality of merchants, determining a location of a user, automatically transmitting a payment request when the user is within a predetermined distance of one of the predetermined locations, receiving a payment confirmation from the user, and processing the payment request. | 07-03-2014 |
20140188704 | ALLOWING A CUSTOMER TO OBTAIN A NEW CARD NUMBER USING A MOBILE INTERFACE - A system provides a new card number to a customer by receiving a customer request for a new card number and electronically transmitting the new card number to a mobile device associated with the customer. In some cases, the system initiates creation of a physical card corresponding to the electronically transmitted new card number; and initiates shipping of the created physical card to a physical address associated with the customer. In some cases, the new card number is electronically transmitted to a mobile wallet application running on the mobile device associated with the customer. The request may include a customer request for a new card number associated with a new account, and the system determines that the customer has been pre-approved for a new account, initiates opening of the new account and initiates creation of a physical card corresponding to the electronically transmitted new card number and the new account. | 07-03-2014 |
20140188705 | SURCHARGE ADVERSE SENSITIVITY CALCULATOR - Apparatus and methods are provided for adjusting a transaction cost and/or a transaction cost recovery amount. The adjusting may be based on a comparison of historical usage of a first payment instrument relative to use of a second payment instrument. Usage of the first or second payment instruments may be correlated to imposition of the transaction cost recovery amount. The adjusting may be based on determining a convenience fee and/or a transaction cost recovery amount for a funds transfer. The adjusting may be based on identifying a purchasing behavior. The purchasing behavior may include terminated or reduced spending, relative to historical spending, at a location that imposes a transaction cost recovery amount. The purchasing behavior may include identifying current payment instrument use at a location that imposes a transaction cost recovery amount. | 07-03-2014 |
20140188706 | CORRECTABLE PRE-PAYMENT FOR DATABASE SERVICES - A method, system and software for managing data services provided by a data services providing entity to a data services customer. The method involves: (i) decrementing relative value units (RVUs) from a data services customer's pre-paid account corresponding to the erroneous use of the data services made by the data services customer; (ii) receiving, from the data services customer, a request for a return of the RVUs decremented at the decrementing step; and (iii) returning the RVUs on condition that the request has been determined to be appropriate. At least the returning step is performed automatically under the control of software provided by the data services providing entity and substantially without human intervention by any human representatives of the data services providing entity. | 07-03-2014 |
20140188707 | Methods and Systems for Implementing and Using an Electronic Network-Based Voluntary Contribution System - The electronic network-based voluntary contribution system according to embodiments of the present invention implement a new business model for these sites that can coexist with, complement, or in some cases, replace advertising. The electronic network-based voluntary contribution system provides online content and service providers with a simple “hands-free” user-centric monetization service fueled by existing social networking services. | 07-03-2014 |
20140188708 | DONGLE FACILITATED WIRELESS CONSUMER PAYMENTS - Computing systems and methods for facilitating consumer transactions in retail and other establishments include communication interfaces adapted to couple a computing system to a plurality of third party mobile electronic devices, storage components adapted to store user information, participating merchant information, or any combination thereof, and processors in communication with the communication interfaces and storage components. The processors are adapted to facilitate automatic wireless transactions between third party users of the third party mobile electronic devices and the participating merchants when the third party devices are present at the participating merchants without any affirmative activity by the third party users. | 07-03-2014 |
20140188709 | Process for Delivering Trusted Services - A professionalized cash management service for the event community consolidating a plurality of individual merchant accounts into a master TPS account, aggregating a plurality of transactions to obtain substantial discounts on transaction fees, and sharing discounts with the merchants. The service delivers a fully automated, centrally controlled payment processing service to festivals and merchants with minimal overhead. | 07-03-2014 |
20140188710 | THIRD PARTY SETTLEMENT - A method includes receiving, at a server computer, first a clearing request message, where the clearing request message comprises a transaction identifier; generating a second clearing request message and transmitting the second clearing request message to a first computer, the second clearing request message including a first derived transaction identifier derived from the transaction identifier; and generating a third clearing request message and transmitting the third clearing request message to a second computer, the third clearing request message including a second derived transaction identifier derived from the transaction identifier. | 07-03-2014 |
20140188711 | Charitable Giving - A method for identifying charitable organizations to receive the proceeds generated from the sale of merchandise includes communicating information to purchasers of the merchandise including a price, identities of charities to which donations can be allocated, and a donation amount. An offer to purchase the merchandise and the identities of two or more charities to which the donation is to be allocated is received. | 07-03-2014 |
20140188712 | SYSTEMS, METHODS AND APPARATUS FOR VARIABLE SETTLEMENT ACCOUNTS - Systems and methods for transferring funds from an acquirer processor account to one or more financial accounts. The transferring of the funds can be directed by one or more settlement rules defined by a merchant. | 07-03-2014 |
20140188713 | METHOD AND SYSTEM FOR EXECUTING A NFC TRANSACTION SUPPORTING MULTIPLE APPLICATIONS AND MULTIPLES INSTANCES OF A SAME APPLICATION - A method for executing a contactless transaction of near field type, including: establishing a near field communication between a near field transaction terminal and a processor, transmitting a command associated with an application identifier of the terminal to the processor. The operating system of the processor searches in a table for an instance identifier corresponding to the application identifier appearing in the command, and associated with a state indicator specifying that an application instance having the instance identifier is in an activable state, and activates the application instance having the instance identifier found in the table, by transmitting the command thereto, the application instance once activated executing a near field transaction with the transaction terminal. | 07-03-2014 |
20140195416 | SYSTEMS AND METHODS FOR PAYMENT PROCESSING - A computer-implemented method includes: receiving, by a computer system, a payment request from an originator having an account at a first financial institution, wherein the payment request is associated with a receiver having an account at a second financial institution. In response to receiving the payment request, a payment instrument is disbursed to the receiver. The method further includes receiving, by the computer system, a request for a payment amount designated by the payment instrument and, in response to receiving the request for the payment amount, crediting the payment amount to a clearing account. The method also includes crediting the payment amount to the receiver's account in conjunction with debiting the payment amount from the clearing account. | 07-10-2014 |
20140195417 | METHOD OF AND SYSTEM FOR CAPTURING INTEREST EARNED ON THE MONETARY VALUE OF TRANSFERRED MONETARY RIGHTS MANAGED ON AN INTERNET-BASED MONETARY RIGHTS TRANSFER (MRT) NETWORK SUPPORTED BY A REAL-TIME GROSS SETTLEMENT (RTGS) SYSTEM - Method of transferring monetary rights across a plurality of financial institutions participating within a monetary rights transfer (MRT) network, and capturing interest earned on the transferred monetary rights associated with a monetary value amount possessed or controlled by an owner/holder and held in a first account maintained by a home financial institution, associated with the MRT network. Also, a plurality of participating financial institutions is associated with the MRT network, wherein each financial institution maintains a second account, interest bearing, for the owner/holder of the amount of money to capture interest. A real time gross settlement (RTGS) system, controlled by a central bank of a country, is embedded within the internet-based MRT network, for recording debits and credits between central bank accounts maintained by different participating financial institutions at the central bank, so as to transfer interest in the second accounts to the first account of the MRT network user. | 07-10-2014 |
20140195418 | METHODS OF ESTABLISHING CREDIT - A method for enhancing credit of a cardholder of a pre-paid card may include issuing a pre-paid card to a cardholder. The cardholder may be charged a fee to establish a credit instrument associated with an account and the pre-paid card. The cardholder may be billed a portion of the credit instrument that includes the fee on a periodic basis, where the billing may be independent of billing for purchases of goods and services with the pre-paid card. A determination as to whether the cardholder timely paid the bill. If the cardholder timely paid the bill, then the payment may be recorded as being timely paid. Otherwise, a recording may be made that the bill was not timely paid. A reporting as to the timeliness of the payment may be made to affect a credit score of the cardholder. | 07-10-2014 |
20140195419 | REDEEMING GIFT CERTIFICATE WITHOUT PRESENTING GIFT CERTIFICATE - A system and method for processing a gift certificate is disclosed for redemption of the gift certificate using an account or a payment card but without presenting or submitting the gift certificate for redemption. For the system and method, a user interface is provided for associating or linking a gift certificate with an account or payment card for the redemption without presenting or submitting. Associating the gift certificate with the account or payment card involves accessing data of the first gift certificate that is stored in at least one gift certificate database. | 07-10-2014 |
20140201065 | SYSTEM FOR AND METHOD OF MOBILE FLEET DATA CAPTURE WITH REAL-TIME AUTHORIZATION DATA - A method for creating a transaction record includes: receiving a request including an identifier from a mobile device; identifying a consumer data entry related to a consumer and including the identifier; identifying transaction data related to a transaction involving the consumer; transmitting the data to the mobile device; receiving additional details from the mobile device; and creating a transaction record, the transaction record associated with the consumer including at least the transaction data and the additional details. A method for submitting transaction details includes: identifying an identifier associated with a user of a mobile device; transmitting a transaction request to a server, the transaction request including the identifier; receiving transaction data from the server for a transaction involving the user; displaying the received transaction data to the user; receiving additional details; and transmitting the additional details to the server for the creation of a transaction record for the transaction. | 07-17-2014 |
20140201066 | SYSTEM AND METHOD FOR ENABLING TRANSACTIONS ON AN ASSOCIATED NETWORK - A method and system are disclosed for wireless payment and information collection. A central system generates a personalized application including unique application and transaction identifiers, security keys, and signatures for a user device. The user device implements the personalized application in order to access the services of the associated network. Tags, capable of short-range communication with the user devices, are deployed to service access points of the associated network. The tags and user device mutually authenticate and share identifiers. Validation of the user device results in the tag updating an irreversible counter, generating transaction certificate, and logging this transaction information. The transaction certificate and a portion of the log are communicated to the user device, and service is granted. The user device transmits the transaction information and log to the central system for billing when a network connection is available. | 07-17-2014 |
20140201067 | SYSTEM AND METHOD FOR FACILITATING A TRANSACTION - A system and method for facilitating a transaction comprises a payment gateway arranged to receive a group payment request arranged to identify a plurality of users each contributing a payment portion to a total balance of the transaction, a generating module arranged to generate a part payment request for each plurality of users with the payment portion, a payment interface arranged to transmit the part payment request to each plurality of users, a settlement interface arranged to receive part payment instructions from each plurality of users to settle each part payment request, a settlement module arranged to settle the part payment instructions to determine a combined settled amount, and, a processor arranged to determining an outstanding balance by comparing the combined settled amount with the total balance; whereupon an outstanding balance is determined, selecting a user from the plurality of users and settling the outstanding balance with the selected user. | 07-17-2014 |
20140201068 | Method for Processing Cash Payment for Online Purchase - A system and method for processing a cash payment for an online purchase is provided herein, including purchasing online from a payee at least one item of goods or services by a payer defining a transaction; generating a bill for an amount due to the payee by the payer for the item, the bill including a unique identifier for the transaction; paying for the bill in cash by the payer to a third party the amount due to the payee; confirming payer's payment in cash for the item to the payee; and delivering to the payee all or a portion of the amount due to the payee from the payer. | 07-17-2014 |
20140201069 | TRANSMITTER, RECEIVER, TRANSMITTING METHOD, RECEIVING METHOD, COMMUNICATION SYSTEM, COMMUNICATION METHOD, PROGRAM, AND COMPUTER-READABLE STORAGE MEDIUM - To provide a technique for making it possible to perform proximity communication using an apparatus not including a special proximity communication device. Transmission data is acquired. Output sound data of a PCM format obtained by encoding the transmission data is output, the output sound data indicating sound in an inaudible frequency band. A DA converter is caused to convert the output sound data, whereby a speaker is caused to output sound corresponding to the output sound data. The output sound data indicates sound having a plurality of sections with sound and soundless sections between the adjacent sections with sound according to the transmission data and that the output sound data indicates a sine curve in which the amplitude of the sections with sound increases from a start time and decreases after reaching a maximum. | 07-17-2014 |
20140201070 | MONETARY TRANSACTION SYSTEM - Embodiments are directed to monetary transaction system for conducting monetary transactions between transaction system subscribers and other entities. In one scenario, the monetary transaction system includes a mobile device that runs a monetary transaction system application. The monetary transaction system also includes a subscriber that has a profile with the system. The subscriber indicates a transaction that is to be performed with the monetary transaction system. The system further includes a monetary transaction system processor that performs the transactions specified by the subscriber including communicating with a monetary transaction database to determine whether the transaction is permissible based on data indicated in the subscriber's profile. The monetary transaction system also includes at least one entity that is to be involved in the specified transaction, where the entity has a profile with the monetary transaction system. This entity may be a person, a retail store, an agent or other entity. | 07-17-2014 |
20140201071 | Methods and Systems for Routing Payment Transactions - Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction processor of the financial institution that minimizes processing costs. Eligible payment transactions may be routed, for example, to an internal debit or credit card processor or ACH processor, and ineligible payment transactions may be routed to external card processing networks. | 07-17-2014 |
20140207657 | PURCHASE AND RENTAL SYSTEM AND METHOD - One embodiment of the system involves providing one or more goods that are physically present but secured against removal through some locking or restraint mechanism. If a consumer desires a locked item, the consumer effects payment via remote means, such as via use of the Internet and/or via a smartphone. Upon confirmation of payment, the system responds with a means for the consumer to remove the lock from the purchased item and to take immediate possession. In some cases, this may be via the provision of a combination or code that is then used physically by the user to unlock the merchandise. | 07-24-2014 |
20140207658 | PAYMENT SETTLEMENT SYSTEM WITH FEEDBACK - A method of providing feedback to a user concerning a payment settlement process is provided. User identification information for a user is received. An electronic document associated with a payment transaction for a task completed by the user is received. Electronic processing criterion associated with the payment transaction are identified based on the received user identification information. Whether or not the received electronic document satisfies the identified electronic processing criterion is determined. If the received electronic document satisfies the electronic processing criterion, a notification message is sent to the user indicating that a proper submission of the document associated with the payment transaction has been completed. If the received electronic document does not satisfy the electronic processing criterion, an issue notification message is sent to the user identifying an issue associated with the payment transaction. | 07-24-2014 |
20140207659 | RECIPIENT INTERFACE FOR A GIFT TRANSACTION SYSTEM - A gift transaction system with a recipient interface in the form of an interactive gift notification is disclosed. The interactive gift notification facilitates customization of a gift package sent from a buyer as well as providing an interface to exchange the originally intended gift item. A method of operating the gift transaction system includes: receiving a gift transaction to send a gift item to a recipient from a buyer; generating an interactive gift notification for the recipient based on the gift transaction; receiving a shipping address for the gift transaction through the interactive gift notification; and sending a notification to a merchant store to ship a gift package including the gift item to the shipping address. | 07-24-2014 |
20140207660 | Tag System, Sellable Item and Method for Facilitating the Purchase of a Sellable Item - According to an aspect of the invention, a tag system for facilitating a purchase of a sellable item is conceived, the tag system comprising an anti-theft tag and an NFC tag, wherein said NFC tag is arranged to support a payment transaction for purchasing the sellable item, and wherein the NFC tag is further arranged to deactivate the anti-theft tag when the payment transaction has been completed. | 07-24-2014 |
20140207661 | METHOD OF USING VIRTUAL MONEY - A method of using virtual deposit money that can be created in exchange for certain guarantees and used in shopping is provided. The most important aspect of the method is to make it possible for the virtual money available in a credit card or any other card where data can be saved and which allows for identification, to be spent and then the related records to be deleted. The method additionally aims to provide the virtual money, itself, to be spent instead of the spending within the limitation, and to prevent spending when there remains no money to be spent. Distinctively from any kind of credit cards or gift cards with fixed limitation, the method of using virtual money provides to increase the limits of spending again thanks to the virtual money loaded subsequently. | 07-24-2014 |
20140207662 | SYSTEM AND METHOD FOR MANAGING GIFTS - Disclosed herein are systems, methods, and computer-readable storage devices for receiving an identification of a giver, a gift, an amount of money to pay for the gift, and a recipient of the gift at a first time. The system can associate a policy with the gift, and initiate, at the first time, a transfer of at least part of the amount of money to pay for the gift from the giver payment account to a holding account that is separate from the recipient payment account. The system can monitor, according to the policy, purchases of the recipient using the recipient payment account to yield purchasing information based on the purchasing information, and determine whether the recipient has made a qualifying purchase according to the policy. If so, the system can apply the amount of money to pay for the gift from the holding account to the recipient payment account. | 07-24-2014 |
20140207663 | SYSTEMS AND METHODS FOR ANALYSIS AND LINKAGE BETWEEN DIFFERENT TRANSACTION DATA PROVIDERS - Systems, methods, means, computer program code and computerized processes include receiving a first set of de-identified transaction data from a first transaction data source, receiving a second set of de-identified transaction data from a second transaction data source, filtering the first and second sets of de-identified transaction data to identify transactions associated with at least a first entity and to create first and second filtered data sets, removing data associated with an identifier field for each of the transactions in the first filtered data set to created a de-identified first data set, removing data associated with an identifier field for each of the transactions in the second filtered data set to create a de-identified second data set, and processing the first and second de-identified data sets using a probabilistic engine to establish a linkage between data in each data set. | 07-24-2014 |
20140207664 | AGENT MANAGEMENT SYSTEM - An automated process for processing application data related to agent on-boarding in a money transfer system includes proforma subprocessing to pre-qualify the application data, analysis subprocessing to analyze the application data, set-up subprocessing to set up agents on the money transfer system and training subprocessing to train the agents on services provided by the money transfer system. Each of the subprocesses accepts an administrator input in response to the application data. In response to the administrator input, each of the subprocesses has an outcome that is one of forwarding the data, denying the data, notifying an originator of the application data and requesting additional data. | 07-24-2014 |
20140207665 | MONEY TRANSFER SMART PHONE METHODS AND SYSTEMS - A mobile device for providing currency exchange, is described. The mobile device includes a computer processor, a memory device having sets of instructions stored thereon, and a camera device configured to photograph an image of currency of a first country's currency. The computer processor executes the sets of instructions, which cause the computer processor to: based on the image, determine a first amount and a country of origin of the currency, determine, using location services of the mobile device, a current location of the mobile device, based on the current location, determine a second country's currency, determine an exchange rate between the first country's currency and the second country's currency, and calculate a second amount in the second country's currency based on the first amount and the exchange rate. | 07-24-2014 |
20140207666 | ACCOUNT AND CUSTOMER CREATION IN AN ON-LINE BANKING MODEL - A system, method and article of manufacture are provided for account and customer creation in an online banking model. An application is received from a customer. The application includes information relating to the user and also documentation relating to the user. A first computer is utilized to create a profile for the customer based on the application received from the customer. The first computer is also utilized to create an account for the customer. Information relating to the created profile and account is transmitted from the first computer to a second computer where a notification is generated. The notification indicates that the account has been created. The notification is transmitted from the second computer to the customer utilizing a network. | 07-24-2014 |
20140207667 | METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount. | 07-24-2014 |
20140214649 | PAY TO ANY ACCOUNT SERVICE - Example embodiments include methods and apparatus for making payments to any account utilizing an open-loop payment card system and a wholesale payment card account to pool funds destined for accounts which are not serviceable by the open-loop payment card system. | 07-31-2014 |
20140214650 | System and Method to Provide a Real-time Live interaction between a Celebrity and an Audience - System and method for facilitating real-time interactive session between celebrity and the audience, wherein computing environment application framework platform is provided to the audience in order to have the real-time interactive session facilitated where in the platform provides audience with an integrated gateway which may be not limited to voice and video calls; virtual or physical gifts by users; celebrity videos and photos; private chat and private group chat and public chat rooms and video and voice message for events like birthdays, anniversaries, openings etc. may be purchased by any user on behalf of any other users or for himself. Further the computing environment may be an online environment, a mobile environment, a web-based environment, a television environment; a radio environment; a wireless communications environment from a cellular phone or mobile phone or smart phone, smart tabs, tabs, pads or ipad or from landline phones, or a general computing environment. | 07-31-2014 |
20140214651 | METHODS AND SYSTEMS FOR LEAST-COST ROUTING OF TRANSACTIONS FOR MERCHANTS - A computer-implemented method, executed by a hardware provider payment gateway system to select a least-cost payment acquirer for an electronic payment to a merchant, includes loading transaction and payment details of a payment instrument. An acquirer list of one or more payment acquirers associated with the merchant and available to the provider payment gateway system is retrieved. A least-cost acquirer among the one or more payment acquirers is determined, by the provider payment gateway system, utilizing a set of predetermined parameters. | 07-31-2014 |
20140214652 | System and Method for Division and Management of Expenses - Embodiments of the invention are directed to a computer-implemented expense splitting method and system for allowing a payer to divide expenses among multiple purchasers. The method may include storing, in at least one computer memory, payer data and expense splitting instructions and accessing the computer memory with at least one computer processor and executing the instructions to perform multiple steps. The steps may include converting a captured receipt image to purchase data and providing a user interface displaying entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity. The steps may also include allocating a percentage of each entry to at least one purchaser based on the tagging, calculating an amount due from each purchaser based on the allocation, providing a payment interface for allowing online payment from the payer for a total amount of purchase; and generating reimbursement requests requesting each purchaser to reimburse the payer. | 07-31-2014 |
20140214653 | Virtual Currency Subscriptions Apparatuses, Methods and Systems - The DYNAMIC PAYMENT OPTIMIZATION APPARATUSES, METHODS AND SYSTEMS (“DPO”) transform requests for on-demand and flexible monetization and related services via DPO components into currency transfers, purchase receipt notifications, social networking communications and transaction analytics reports. In some embodiments, the DPO obtains a user product purchase request for a user engaged in an online experience at a point of sale device. The DPO parses the user product purchase request, and thereby identifies at least one attribute of at least one of: the user; the online experience; and the point of sale device. The DPO customizes one or more properties of a user interface for initiating a purchase transaction related to the user product purchase request, according to the identified at least one attribute of the user, the online experience or the point of sale device; and providing the customized user interface. | 07-31-2014 |
20140214654 | PAYMENT INFORMATION TECHNOLOGIES - A method includes maintaining first payment card information for a cardholder. The method includes processing a first card not present transaction between the cardholder and a merchant. The first transaction based at least in part on the first information. The method includes generating second payment card information for the cardholder. The second information replacing the first information for subsequent use via the cardholder. The method includes receiving an input from the cardholder. The input indicating the merchant. The input based at least in part on the second information replacing the first information. The method includes sending the second information to the merchant based at least in part on the input. The method includes processing a second card not present transaction between the cardholder and the merchant. The second transaction based at least in part on the second information after the sending. | 07-31-2014 |
20140214655 | METHODS AND SYSTEMS FOR PAYMENT ACCOUNT ISSUANCE OVER A MOBILE NETWORK - According to some embodiments, an over-the-air (“OTA”) provision services receives a request to provision a temporary payment account to a customer's mobile device. The request includes customer data and a temporary primary account number (“PAN”). A process includes mapping the temporary PAN to a mobile PAN, storing the temporary PAN in a mapping database, generating a software package comprising a payment application and the mobile PAN, and transmitting the software package OTA to the customer's mobile device. The software package personalizes the customer's mobile device with the mobile PAN enabling use of that mobile device to utilize the temporary PAN to complete payment transactions shortly after the processor receives the request. | 07-31-2014 |
20140214656 | PAYMENT REQUESTS - The present disclosure relates to computing systems that support payments between two users. When implemented as a computer, the computer facilitates P2P payment. The computer receives from a payee or a payee FI a payment request. The payment request includes a payer identifier, a payee identifier and payment information. The computer then determines a payer FI and sends the payment request to the payer FI to cause the payer FI to notify the payer of the payment request and to enable the payer to confirm the payment. The computer receives from the payer FI a payment notification for the payment and sends the payment notification to the payee FI. The payer and the payee are not required to open a new account at a third party system but funds are transferred directly from the payer FI to the payee FI. | 07-31-2014 |
20140214657 | MEDIA DELIVERY PLATFORM - A method of delivering an audio and/or visual media file including, for example, one or more of full or partial master recordings of songs, musical compositions, ringtones, videos, films, television shows, personal recordings, animation and combinations thereof, over the air wirelessly, from one or more servers to an electronic device with or without an Internet connection, said method comprising transmitting and audio and/or visual media file in compressed format to said electronic device, and wherein the electronic device is effective to receive said audio and/or visual file and playback said audio and/or visual content on demand by a user. | 07-31-2014 |
20140214658 | MOBILE DEVICE CONTAINING CONTACTLESS PAYMENT CARD USED IN TRANSIT FARE COLLECTION - An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example. | 07-31-2014 |
20140214659 | METHODS AND SYSTEMS FOR COORDINATING POOLED FINANCIAL TRANSACTIONS - Methods and systems are provided for processing a financial transaction. A set of conditions is received that define circumstances for execution of the financial transaction. Funds are collected for each of a plurality of partial payments prior to satisfaction of the set of conditions, with at least two of the partial payments being collected from different persons. The collected funds are accumulated for support of the financial transaction until satisfaction or failure of the set of conditions. | 07-31-2014 |
20140222660 | METHOD FOR DETERMINING A BILL MIX IN AN ELECTRONIC CASH DISPENSER - A method for determining a bill mix in an electronic cash dispenser comprises: receiving a transaction request comprised of a transaction type and a dispense amount; evaluating the transaction type; evaluating the dispense amount; and determining the bill mix according to a dispense definition based on a plurality of criteria including transaction type and dispense amount. The method may further include evaluating day of the transaction request, time of the transaction request, patron information such as player tracking data, and/or bill inventory level. The method may also include receiving patron preference input. The dispense definition may comprise a minimum definition that defines a minimum quantity for each bill denomination to include in the bill mix. If a remainder exists after the minimum definition is applied to the dispense amount, the dispense definition may further comprises a remainder definition that calculates a remainder bill mix based on a least note methodology. | 08-07-2014 |
20140222661 | DIGITAL MARKETPLACE FOR RESELLING MEDIA PACKAGES - Aspects of the present disclosure describe systems and methods for implementing the sale of a media package that has one or more digital assets and/or platform features and a first level of digital rights management (DRM) protections from a first purchaser to a second purchaser. The DRM protections may limit which digital assets may be sold. The level of DRM protection on the media package may be changed to a second level before being delivered to the second purchaser. The changed DRM protection may restrict the future sale of the digital assets and/or platform feature(s) remaining in the package. It is emphasized that this abstract is provided to comply with the rules requiring an abstract that will allow a searcher or other reader to quickly ascertain the subject matter of the technical disclosure. It is submitted with the understanding that it will not be used to interpret or limit the scope or meaning of the claims. | 08-07-2014 |
20140222662 | INTELLIGENT AUTOMATED ONLINE TRANSACTION SYSTEM FOR AUTOMATED INTERACTION WITH ONLINE TRANSACTION WEB SITES - Methods, techniques, and systems for providing adaptive automated interaction capabilities for computer applications that request automated conducting of domain specific transactions via a domain specific online transaction website, e.g. an online-banking web site in a failure-proof manner. Particular methods, techniques and systems employ adaptive mixing of script-based and avatar-based execution entities for delegating sub-tasks and activities of a domain-specific transaction workflow for automated processing via a domain-specific online transaction website, the transactions being requested by a third party computer application and the domain e.g. pertaining to online banking. | 08-07-2014 |
20140222663 | GROUP PAYMENT - The disclosure is related to a group payment service. For the group payment service, primary user equipment for a group payment may receive information on payment instruments from member user equipments upon generation of a predetermined event. The primary user equipment may generate group payment information based on the received payment instrument information transmitted from the member user equipments, information on a payment instrument stored in and selected by the primary user equipment, and payment information received from a payment terminal. The primary user equipment may transmit the generated group payment information to a service server for making a group payment. | 08-07-2014 |
20140222664 | SOCIAL NETWORK TRANSACTION PROCESSING SYSTEM - A system for transferring funds using social network connections. The system sends application programming interface (API) requests to social networks to obtain “friend” information and create accounts into which funds are deposited and which may be retrieved by recipients via hyperlinks in messages provided through social networks. The system may also be used to request funds from social network friends. The system provides benefactor friends fund requests in the form of social network messages, which allow the benefactors to access the system and provide funds to a user via hyperlinks in the messages. | 08-07-2014 |
20140222665 | ENERGY SEARCH ENGINE METHODS AND SYSTEMS - Systems and methods dynamically assess energy efficiency by obtaining a minimum energy consumption of a system, receiving in a substantially continuous way a measurement of actual energy consumption of the system, and comparing the minimum energy consumption to the measurement of actual energy consumption to calculate a substantially continuous energy performance assessment. The system further provides at least one of a theoretical minimum energy consumption based at least in part on theoretical performance limits of system components, an achievable minimum energy consumption based at least in part on specifications for high energy efficient equivalents of the system components, and the designed minimum energy consumption based at least in part on specifications for the system components. | 08-07-2014 |
20140222666 | METHOD AND APPARATUS FOR PROCESSING ELECTRONIC TRANSACTION INFORMATION - The present invention relates to a method and apparatus for processing electronic transaction information, the method comprising: accepting a payment request submitted by a channel entrance page, the payment request comprising an electronic tag corresponding to the channel entrance page; making a payment in accordance with the payment request and outputting a payment result; identifying a distribution platform corresponding to the electronic tag; generating a payment result page based on the identified distribution platform; and outputting the payment result page. In accordance with the method and apparatus for processing electronic transaction information of the present invention, electronic tags are embedded in the processing steps of the electronic transactions, and two or more independent and closed transaction processing systems sharing the same payment process can be established. Thus, the amount of work and cost for establishing electronic transaction distribution platforms can be reduced. | 08-07-2014 |
20140222667 | COMMUNITY BASED CHARACTER EXPRESSION IN A GEO-SPATIAL ENVIRONMENT - A method, apparatus and system of character expression in a geo-spatial environment are disclosed. In one embodiment, a method includes generating a community network of user profiles, each user profile associated with a specific geographic location, associating a first user with a first user profile, providing a first character expression associated with the first user profile, generating a first display view to include a three-dimensional map view embodied by the community network, the first character expression, and the first user profile represented at a location in the three-dimensional map view associated with the specific geographic location of the first user profile, and simultaneously representing other user profiles adjacent to the first user profile in the three-dimensional map view. The method may also include providing elements as a part of a commerce transaction and enabling the commerce transaction via a user profile. | 08-07-2014 |
20140222668 | ELECTRONIC COMMERCE NETWORK WITH TRANSACTIONS ANALYTICS - A system that processes transactions, in response to a transaction using a financial instrument, receives an identity of a financial instrument, such as a card hash. The system creates an anonymous account that corresponds to the financial instrument, and stores line level data associated with the transaction in the anonymous account. Future transactions that use the same financial instrument are also stored in the anonymous account. As a result, all transactions can be linked to the same user. | 08-07-2014 |
20140236808 | Social Networking System for Users Having Portable Electronic Devices with GPS Capabilities and Its Associated Method of Operation - A system and method of operating a social network for individuals who have portable electronic devices that can calculate location using GPS signals. A website is provided. Individuals and commercial entities join the social network through the website. Individuals download operational software to their portable electronic devices. Once loaded and running, the operational software forwards the location of each registered portable electronic device to the network server. The operational software enables each registered user to become an event post initiator by creating an event post. Each event post is accessible by other registered users only within a predetermined radius of the event post initiator. The event posts are displayed on the portable electronic devices of other users. Event posts can be directed to the general public or to a private network of friends. | 08-21-2014 |
20140236809 | SYSTEM AND METHOD FOR ELECTRONIC MONEY END OF LIFE MANAGEMENT - The present invention concerns a system and method for transferring electronic money. More particularly, it relates to improving the checking method used to validate the transfer at a central server. Furthermore the proposed solution improves the traceability of the operations. It is also proposed a data record to implement efficiently the electronic money. Its purpose is to make the check of the consistency of the history of transactions related to a particular electronic banknote easier. The proposed solution minimizes the access to the database by embedding the history of transaction within the coding of the electronic banknote itself. | 08-21-2014 |
20140236810 | METHOD AND SYSTEM FOR DETERMINING MOST REWARDING CHOICE OF PAYMENT AT A POINT-OF-SALE - A system, method and computer program product for processing payments, including a server in an electronic device and/or a server in a remote location; a database in the electronic device and/or a database in a remote location coupled to the respective server; and an electronic device of a consumer coupled to the server over a communications network, wherein the server is configured to determine a payment option most advantageous to the consumer based on information stored in the database regarding a plurality of payment options available to the consumer, and the server is configured to display the most advantageous payment option to the consumer on the electronic device of the consumer. | 08-21-2014 |
20140236811 | EFFICIENT INTER-BANK FUNDS TRANSFERS - An inter-bank server maintains accounts in multiple banks and process a funds transfer from one bank to a second bank as two separate intra-bank transfers. The process is started by a bank customer initiating an intra-bank transfer within a first bank to a first inter-bank transfer account maintained by the inter-bank server in the first bank. The inter-bank server determines the amount of the transfer and parses data identifying the intended recipient from data accompanying the intra-bank transfer record. The inter-bank server initiates a transfer to the account of the intended recipient in the second bank from a second inter-bank transfer account maintained by the inter-bank server in the second bank. The amount of the transfer is the amount received in the inter-bank transfer account in the first bank. | 08-21-2014 |
20140236812 | COMMUNICATIONS NETWORK, COMPUTER SYSTEM, COMPUTER-IMPLEMENTED METHOD, AND COMPUTER PROGRAM PRODUCT FOR PROVIDING A FEMTOCELL-BASED INFRASTRUCTURE FOR MOBILE ELECTRONIC PAYMENT - In one aspect, the present application is directed to a communications network, a computer system, a computer-implemented method, and a computer program product for providing a femtocell-based infrastructure for mobile electronic payment. In an aspect, the communications network may include a mobile operator network; a local area in the mobile operator network, wherein the local area is under coverage of at least one femtocell; and a femtocell-based payment system connected to the mobile operator network, wherein the femtocell-based payment system is operable to provide mobile electronic payment via a user device recognized by the at least one femtocell within the local area and notified by the femtocell-based payment system. | 08-21-2014 |
20140236813 | SYSTEM AND METHOD FOR PAYMENT CARD INDUSTRY ENTERPRISE ACCOUNT NUMBER ELIMINATION - A system and method replaces credit card numbers in systems that are customer facing with token Ids to thereby reduce exposure to credit card number theft. | 08-21-2014 |
20140236814 | Charitable Giving - A method for identifying charitable organizations to receive the proceeds generated from the sale of merchandise includes communicating information to purchasers of the merchandise including a price, identities of charities to which donations can be allocated, and a donation amount. An offer to purchase the merchandise and the identities of two or more charities to which the donation is to be allocated is received. | 08-21-2014 |
20140236815 | MULTI CURRENCY EXCHANGES BETWEEN PARTICIPANTS - A method and apparatus for facilitating payment transactions in multiple currencies between participants is provided. In one embodiment, an option is provided to a user to select a currency in which to make a payment. An indication of the selected currency in which to make the payment is received. A determination is made as to whether the selected currency is a primary currency of an account of the user. Based on the selected currency being different from the primary currency of the account of the user, the payment is converted to the selected currency. | 08-21-2014 |
20140236816 | Systems and Methods Relating To Credit - The present invention includes an electronic platform where business credit can be created, affiliated, transmitted, redeemed and processed, etc. in connection with multiple redeemers. The present invention includes an electronic platform where business credit can be purchased, sold and/or gifted in connection with multiple redeemers. The present invention also includes an electronic platform where business credit can be accounted for, monitored, and organized, etc. Furthermore, the present invention provides the ability to redeem business credit (including store credit) in connection with multiple redemptions through multiple redeemers, via a single redemption apparatus (e.g., a smart card). | 08-21-2014 |
20140244481 | ONLINE MULTI PAYMENT SYSTEM - The disclosed Multi Payment system is a payment mediation system that uses consolidation of payment methods on a merchant's online transaction/purchase page when a purchase request is made by a purchaser offering multiple payment options from different payment methods available to the purchaser all within a single online transaction. The purchase system presents the purchaser with the purchase amount and a set of payment methods accepted by the merchant to derive a common set of available payment methods available to the purchaser. The system then provides the purchaser the option of selecting a most preferred form of payment or consolidating payment by any combination of payment methods available to the purchaser through multiple entries of such payment methods on the system which adds up to the purchase amount of any of the goods and/or services. The system processes the payments by accepting payment for goods and/or services the purchaser ultimately decides to purchase and/or presenting to the purchaser goods and/or services their eventual payments cover. Upon satisfaction of payments required for any of the goods and/or services the purchaser desires, the merchant accepts all payments in full for such goods and/or services required by the purchaser and consummates the sale within that transaction. | 08-28-2014 |
20140244482 | Automatically Updating Account Information - A method of one embodiment facilitates the updating of account information. First account information associated with a payment account of a user is received by an interface, and the first account information is stored by a memory. Payee system information associated with a payee system, wherein the payee system stores one or more portions of the first account information, is also received by the interface and stored by the memory. A processor automatically determines that an update event has occurred, the update event associated with updated information comprising one or more updated values for one or more respective portions of the first account information, wherein at least a portion of the first account information stored on the payee system changes based on the update event. In response to automatically determining that the update event has occurred, the interface automatically communicates a payee update message comprising the updated account information. | 08-28-2014 |
20140244483 | MOBILE DEVICE AS A TIME CLOCK FOR PAYMENT - Systems, methods, and computer program products provide for notifying service customers of a verified period of time which a service provider has been located at a service location and, based on the notification, initiate payment, and in some embodiments, automated payment, to the service provider for the services rendered. As service customers are not required to be present when service is provided or at least upon completion of the service. Moreover, the remote service customer can be assured that a service provider was present at a verified location for a specified period of time, and, based on the assurance, initiate payment to the service provider. | 08-28-2014 |
20140244484 | NETWORK COMPUTING ENVIRONMENT COLLECTION AND NOTIFICATION OF POINT OF SALE INFORMATION - Automated information collection and notification ancillary to the acquisition of a product or service includes determining transaction and information thresholds for application to attributes of a transaction for goods or services, a card account used to purchase an item or service pursuant to the transaction and associated with application of the thresholds. When the purchase of the item or service is accomplished, additional informational items to be retained are determined in response to an attribute of the additional informational items meeting the information threshold, an attribute of the transaction meeting the transaction threshold, and execution of the transaction via the identified card account. Authoritative source locations for retrieval of copies of the additional information, and ancillary storage devices for holding copies of or links to the additional information items, are identified. | 08-28-2014 |
20140244485 | SYSTEMS AND METHODS FOR REMOTE ELECTRONIC COLLECTION OF PAYMENT - Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account. | 08-28-2014 |
20140244486 | METHOD AND SYSTEM OF PERFORMING A MONEY TRANSFER - Method and system of performing a money transfer over a network or between accounts within a given monetary account system, wherein on the occurrence of a trigger event a money transfer is effected from a first SVA entity, which serves as a loaning entity, to a second SVA entity, which serves as a receiving entity. In order to provide a solution by which a loaner of money and a receiver of money can be brought into a special relationship such that it is particularly possible to automatically performing a money transfer it is provided that on the occurrence of the trigger event the money transfer is effected from the first SVA loaning entity to such a second SVA receiving entity, that has been set up in a previous authorisation step as a pre-authorised second SVA receiving entity with respect to the first SVA loaning entity. | 08-28-2014 |
20140244487 | Fund Transfer Using Near Field Communication - Provided is a system and method for transferring change or coin value due to a first user as a result of a cash transaction where the system allows for reading of a signal or identifier from a first user device such as a smart phone to determine what funds are being requested for transfer. The system transfers funds from a second user such to the first user according to the requested amount of funds. The system further allows for verification and confirmation of the transfer and updating of the second user computer to show if any cash in the form of bills is due to the user. The funds may be transferred into a provider-managed account. Further, the system can calculate and deduct service fees at various points in the transaction cycle. | 08-28-2014 |
20140244488 | APPARATUS AND METHOD FOR PROCESSING A MULTIMEDIA COMMERCE SERVICE - A method of processing a commerce service in a commerce processor communicating with a customer premises equipment (CPE), the method including executing a first browser and outputting a coordinate corresponding to a bitmap associated with inputted payment data on a screen of the first browser, receiving coordinate values corresponding to payment data through the output coordinate, transmitting the received coordinate values based on a communication protocol to a second browser, unscrambling the transmitted coordinate values corresponding to the payment data and retrieving payment data from the unscrambled coordinate values, and performing a payment process for a product item corresponding to the retrieved payment data. | 08-28-2014 |
20140244489 | SYSTEM AND METHOD FOR COLLECTING AND DISBURSING ELECTRONIC GRATUITIES - The present invention relates to systems and methods for collecting and disbursing electronic gratuities. According to one embodiment, a device for submitting gratuities by credit card is provided at a place of business or other appropriate location. A method of using this device is disclosed, whereby consumers pay a predetermined or adjustable gratuity amount by inserting a credit card into the device. According to another embodiment, technological infrastructure is provided to transmit encrypted payment information such that the acquiring bank of the device provider obtains authorization for gratuity transactions conducted using the device. The acquiring bank is thus enabled to credit the device provider's merchant account or disbursal accounts with electronic gratuity payments less acquisition fees. According to another embodiment, a method of disbursing gratuity shares to employees of the business is provided, wherein processing fees are collected by the device provider. | 08-28-2014 |
20140249993 | METHOD AND APPARATUS FOR PERFORMING TRANSACTIONS VIA A SPONSOR ACCOUNT - An approach is presented for performing a transaction via a sponsor account. The transaction manager receives a request to sponsor payment for one or more client accounts by a sponsor account. Further, the transaction manager determines payment information associated with the sponsor account. Then, the transaction manager determines to associate the payment information with the one or more client accounts. | 09-04-2014 |
20140249994 | Wearable device with unique user ID and telemetry system for payments - A method of payment is provided using telemetry data and a wearable device. A communication is transmitted from a wearable device which belongs to a first party and has a first party unique ID. The communication includes the first party unique ID. The wearable device has an ID storage and a communication system that reads and transmits the unique ID from the ID storage. The communication is received from the wearable device at a telemetry system that confirms the unique first party ID. The telemetry system communicates with at least one of, a mobile device, a first party's financial account, a payment system and a network system. In response to confirming the unique first party's ID at the telemetry system, funds are transferred from a first party's financial account to a second party through the first party's financial account, payment system and network system. | 09-04-2014 |
20140249995 | TRANSACTION PROCESSING METHOD, APPARATUS AND SYSTEM - The present invention relates to a transaction processing and method. A device associated with a payer, which may be a suitably adapted mobile telephone is involved in the payment transaction process. The transaction processing is information, such as goods to be purchased and amount, is provided from the payer electronic device to a transaction processing system. A transaction processing system then advises a payee (e.g. merchant) that goods have been ordered from the payee and provides the payee with the information on the ordered goods, and also confirms that payment has been made. The merchant subsequently provides the goods to the payer. | 09-04-2014 |
20140249996 | COMPUTER METHODS AND COMPUTER SYSTEMS FOR FACILITATING AUTOMATED SALE TRANSACTIONS BETWEEN BUYERS AND SELLERS OVER THE SALE OF FULLY PRE-SPECIFIED PRODUCTS AND SERVICES - In one embodiment the instant invention provides for a method that includes: the following steps of: programming a computer system, to perform the steps of: receiving, from a seller, seller information for an item that the seller offers to sell; determining from the seller information: identifying characteristics that specifically describe the item and specifically identify the seller; Minimum Acceptable Price (MAP) and Minimum Acceptable Price Range (MAPR), and Maximum Allowable Number of Negotiating Chances per each buyer (MANBCs); receiving, from the potential buyer, a buyer offer for the first item and consummating a sale transaction when: a monetary amount or a range of monetary amounts submitted by the buyer respectively matches the MAP or the MAPR, and the potential buyer has not previously submitted an other offer for the item so that a total number of offers made by the potential buyer is equal or less than the MANBCs. | 09-04-2014 |
20140249997 | ELECTRONIC RECEIPT SYSTEM, ELECTRONIC RECEIPT MANAGEMENT SERVER, INFORMATION PROCESSING DEVICE AND PROGRAM - An electronic receipt system includes an electronic receipt generation unit configured to generate electronic receipt information relating to merchandise sales data, and correlate the electronic receipt information with a code of a consumer, an electronic receipt management unit configured to associate the electronic receipt information with a company code, an electronic receipt collective management unit configured to manage the electronic receipt information collectively for a plurality of the companies, a group associating unit configured to define a group by associating codes of different consumers with the group, and an electronic receipt transmission unit configured to transmit the electronic receipt information to information processing devices that are correlated with the codes that are associated with the group. An electronic receipt display unit of an information processing device is configured to display the electronic receipt information transmitted by the electronic receipt transmission unit. | 09-04-2014 |
20140249998 | ELECTRONIC RECEIPT SYSTEM, ELECTRONIC RECEIPT MANAGING SERVER, INFORMATION PROCESSING DEVICE, AND INFORMATION PROCESSING METHOD - An electronic receipt managing server includes a reception unit configured to receive electronic receipt information relating to a sale of a merchandise at a store to a consumer, an electronic receipt management unit configured to manage the electronic receipt information, an additional information management unit configured to manage additional information, for example, warranty information, of the merchandise with the electronic receipt information, an electronic receipt transmission unit configured to transmit the electronic receipt information to an information processing device associated with a code of the consumer, and an additional information transmission unit configured to transmit the additional information to the information processing device. | 09-04-2014 |
20140249999 | Multiple Merchant Payment Processor Platform Apparatuses, Methods and Systems - The MULTIPLE MERCHANT PAYMENT PROCESSOR PLATFORM APPARATUSES, METHODS AND SYSTEMS (“MID-PLATFORM”) enable merchants to customize the way payments made to them are processed. For example, a computer-implemented MID-Platform receives a payment request associated with a site (e.g., a website) and identifies a site profile associated with the site. The site profile is associated with one or more account processors and one or more transaction preference rules for selecting one of the account processors. The MID-Platform processes information associated with the payment request according to one or more transaction preference rules to select one of the account processors. Then, the MID-Platform sends a payment processing request to the selected account processor. | 09-04-2014 |
20140250000 | ELECTRONIC DEFERRED CHECK WRITING SYSTEM - A method and system for electronic deferred check processing is disclosed. A processing center receives an account identifier and a plurality of deferred payment amounts. The deferred payment amounts may be specified in a check, which can be digitized and electronically transmitted for further processing. The account identifier is correlated to a purchaser checking account. The deferred payment amounts are transferred to a merchant account in accordance with one of a plurality of predefined merchant transfer schedules, and each transfer may have a fee associated therewith that is deductable from the deferred payment amounts. The funds corresponding to the deferred payment amounts are also transferred from the purchaser checking account according to a predefined deduction schedule. | 09-04-2014 |
20140250001 | SYSTEM AND METHOD FOR PROCESSING GIFTS BETWEEN DIFFERENT PAYMENT ACCOUNT TYPES - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for creating a gift in one medium of exchange from stored value in another medium of exchange. The system accesses a first account representing stored value in a first medium of exchange, and chooses an amount of the stored value from the first medium of exchange. Then the system converts the amount of the stored value to a second medium of exchange to yield a converted amount, and gives the converted amount in the second medium of exchange to a recipient as a gift, wherein the gift is associated with a recipient account for the second medium of exchange, and wherein the gift is associated with a policy monitoring transactions made using the recipient account such that the converted amount is applied to a transaction satisfying conditions of the policy. | 09-04-2014 |
20140250002 | SYSTEM AND METHOD FOR PROCESSING A GIFT CARD VIA THE CLOUD - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for splitting a transaction among multiple participants. A system configured to practice the method first receives, at a first time, from a payor an identification of a payee and a policy, the payee having a payee account that was registered with a service provider prior to the first time. The system monitors, after the first time, purchasing transactions of the payee using the payee account for a qualified purchase according to the policy, wherein the policy, as defined by the payor, excludes a defined item. When the payee makes the qualified purchase by purchasing an item other than the defined item at a second time, which is later than the first time, the system transfers an amount of money into the payee account to pay for at least part of the qualified purchase. | 09-04-2014 |
20140258097 | Social Media Marketplace - Methods and systems are provided for facilitating shopping for products that have been liked to a social media network. A product can be seen on a merchant's website, for example. The product can be liked by user to the social media website. When the same or a different user subsequently sees the liked product on the social media website, the same or different user can purchase the product from the social media website. Thus, the user is not required to visit the merchant's website to perform the purchase transaction. Upon completion of the purchase, the user can be allowed to leave feedback to rate the item according to a predefined scale, which can be visible to all those who view the item, as exhibited by a vendor on the social media platform | 09-11-2014 |
20140258098 | SYSTEM AND METHOD FOR INTERNATIONAL MERCHANDISE RETURN SERVICE - A system and method for generating a return label for merchandise being returned from a buyer or consumer in a first country to a merchant in a second country. A name and address of a consumer in the first country desiring to return merchandise and merchant or seller information including a merchant identifier is received. An address for receiving returns for the merchant or seller in the second country is accessed based on the merchant information. One or more machine readable identifiers for use by a first country carrier and for use by a second country carrier based at least on the consumer information, and information for routing the return merchandise are generated. A return label for merchandise being returned from the consumer to the merchant is generated. The return label can include the machine readable identifiers and a customs declaration for the merchandise. | 09-11-2014 |
20140258099 | SYSTEMS AND METHODS FOR UPDATING PAYMENT CARD EXPIRATION INFORMATION - A computer-implemented method for updating merchant information regarding card-not-present recurring payment (CNP/RP) transactions is provided, wherein the method involves a recurring transaction initiated by a cardholder using payment card information stored by a merchant. The method includes querying a database coupled to a payment network to identify a candidate payment card having stale payment card data. The stale payment card data includes at least an existing expiration date that is within a predetermined period of time of a selected calendar date. The method also includes querying the database to identify at least one recent transaction involving the candidate payment card. The recent transaction includes payment card data having an updated expiration date. The method further includes notifying the merchant that the existing expiration date has been replaced with the updated expiration date. | 09-11-2014 |
20140258100 | SYSTEMS AND METHODS FOR PROVIDING AN ENGAGEMENT SYSTEM - Aspects of the present disclosure describe systems and corresponding methods for providing interactive experiences via an engagement system to spectators currently attending or otherwise participating in an event being conducted at a venue. In various aspects, the engagement system may connect the event attendees and/or spectators in an integrated manner by allowing such users to engage in interactive experiences, such as socially connecting to other participants, executing consumer transactions, and/or engaging in various other interactive games, promotions, and/or activities corresponding to the event being conducted at the venue. | 09-11-2014 |
20140258101 | Systems and Methods for a Theme-Based Effects Multimedia Editing Platform - Systems and methods described herein relate to creating or modifying multimedia content using theme-based effects. In accordance with some implementations, a method can comprise the operations of: accessing foundational content; receiving a request to apply a theme to the foundational content; receiving a theme-based effect associated with the theme; receiving a licensing parameter of use associated with the theme; and applying the theme-based effect to the foundational content according to the licensing parameter. Themes can include those created by third-party vendors and those created by one or more users of a method or system implementing features described herein. Additionally, use of different themes can vary in cost and/or use limitations, which can be determined according to licensing parameters associated with the themes. | 09-11-2014 |
20140258102 | MULTIPLE ACCOUNT ADVANCED PAYMENT CARD AND METHOD OF ROUTING CARD TRANSACTIONS - A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to the transaction data and the account identification data that in read from the card. This addition data permits the proper account to be accessed. The data may be input at the point of sale as an account selection. In this instance, the selection may be used to route the transaction data through the financial processing network or may be used to read data regarding one of multiple accounts encoded on the card. The data may also be stored as conditional routing rules at transfer points in the financial processing network. In this instance, the transaction is routed to the proper account based on the stored rules. | 09-11-2014 |
20140258103 | SYSTEM AND METHOD FOR PERSONALIZED COMMANDS - Various embodiments of a system and method for personalized commands are described. The system and method for personalized commands may include a payment service including a command management component. Such payment service may be responsive to one or more base commands. The command management component may be configured to generate a user interface for specifying personalized commands that correspond to the base commands. The command management component may be configured to generate mapping information from the information received via the user interface. The command management component may be configured to receive one or more messages that may include commands for the payment service, including personalized commands. From the personalized commands, the command management component may be configured to determine a corresponding base commands (e.g., based on the mapping information). Once the base command is determined, the payment service may perform the base command. | 09-11-2014 |
20140279407 | Incentive Banking System And Method - A method of transactional savings is described. A method may include electronically maintaining a plurality of transactional saving accounts for customers associated with a financial entity; electronically, receiving data representative of an upper limit monetary fund amount, a periodic monetary fund amount, and a risk-based incentive monetary fund amount associated with the transactional saving accounts. A method may include electronically maintaining a collective saving account associated the plurality of customers and receiving a total amount of monetary funds associated with a deposit transaction for at least one of the transactional saving accounts and distributing funds based on the amount in the collective saving account. | 09-18-2014 |
20140279408 | METHODS AND SYSTEMS FOR FACILITATING AND MONITORING CHARITABLE DONATIONS BASED ON PAYMENT CARD LOYALTY CONTRIBUTIONS - A charitable donation system that facilitates and monitors charitable donation based on payment card loyalty contributions is disclosed. A simple web-based tool that allows people to join as members, authorize their loyalty contributions offered by payment card companies to be used for charitable donations, and to select which charity the member chooses to receive the loyalty contributions. The loyalty contributions are provided to the member-selected charity in the form of a pre-paid debit card which may only be used for direct, authorized purchases. The charitable donation system monitors and analyzes the charity's purchases and provides purchase information associated with the charity's purchase to the member. The charitable donation system provides a potentially, long-term stream of contributions which may continue indefinitely without further member involvement. | 09-18-2014 |
20140279409 | RECOMMENDING RETROACTIVE VEHICLE FOR PAYMENT BASED ON IN-FLOWS AND OUT-FLOWS - Embodiments of the invention are directed to a system, method, or computer program product for recommending a payment vehicle for a transaction, retroactively. In this way, the invention provides retroactive payment vehicle recommendation after the transaction has occurred based on criteria from customer inputs, customer in-flows, and customer out-flows. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. Subsequently the system may apply the transaction to the determined recommended payment vehicle. Then the temporary line of credit may be terminated. | 09-18-2014 |
20140279410 | SYSTEM AND METHOD FOR TRANSFERING FINANCIAL ACCOUNTS - A system and method for transferring a financial account between a first financial institution and a second financial institution. A transfer application, executing on a transfer server, provides a graphical user interface that enables users to view options and select a second financial institution. | 09-18-2014 |
20140279411 | PRE-ARRANGING PAYMENT ASSOCIATED WITH MULTIPLE VENDORS WITHIN A GEOGRAPHIC AREA - Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to execute at least one purchase transaction in a geographical area. An exemplary apparatus is configured to: receive identification information from a mobile device when a user associated with the mobile device enters a geographical area; receive geolocation information from the mobile device; receive payment preference information; determine, based on the geolocation information and the identification information, a purchase transaction being executed by a user of the mobile device in the geographical area; store transaction information associated with the purchase transaction; and process the transaction information, based on the payment preference information, upon determining the mobile device is exiting or has exited the geographical area. | 09-18-2014 |
20140279412 | COMPUTER IMPLEMENTED METHOD FOR A RECYCLING COMPANY TO INCREASE RECYCLING DEMAND - Proposed is a computer-implemented method for a recycling company to increase recycling demand, the computer including a processor system having at least one processor and a memory system. The method comprises registering, by the computer, a recycler with a recycling company, wherein the recycler obtains identification. The computer then enters the recycler's identification to begin a transaction for recycling. The type of material to be recycled is entered into the computer. The processor system evaluates a value for the recyclable material and determines the total payment to be paid to the recycler. A portion that is less than or equal to the total payment given to a fund is entered into the computer, and the final payment to be paid to the recycler is computed. The final payment is the total payment less the portion given to the fund. On completion of the above operations, the transaction is logged. | 09-18-2014 |
20140279413 | Consistent Interface for Phone Call Activity Business Object - A business object model, which reflects data that is used during a given business transaction, is utilized to generate interfaces. This business object model facilitates commercial transactions by providing consistent interfaces that are suitable for use across industries, across businesses, and across different departments within a business during a business transaction. In some operations, software creates, updates, or otherwise processes information related to a phone call business object. | 09-18-2014 |
20140279414 | SYSTEM AND METHOD FOR COLLECTING CLEARING INFORMATION FOR IMPLEMENTING A GLOBAL ELECTRONIC FUNDS TRANSFER - A system and method is presented for receiving required information (i.e., clearing information) for performing a global electronic funds transfer. The system and method generates a form for receiving the clearing information from a user. The form includes clearing information fields that are each configured to accept an element of clearing information. The clearing information fields of the form are dynamically updated based on clearing information rules. The clearing information rules define a relationship between at least one of the clearing information fields and the clearing information received from the user. The dynamically updated form is provided to the user to input further clearing information. | 09-18-2014 |
20140279415 | System and Method for Conducting Financial Account Transfers - A system and method for executing a financial transaction via an electronic device is provided. The methods comprises several steps. First, a request for an online transfer from a first account associated with a user is received. Second, a selectable funds icon is displayed, wherein the selectable funds icon displays the available range of funds that are transferable from the first account. Third, a transfer amount selection based on the user's interaction with the selectable funds icon is received. Fourth, a transfer amount selection is then designated via a movable funds container. Fifth, a request from the user to move the movable funds container to an icon associated with a second account is received. | 09-18-2014 |
20140279416 | SIGNATURE BASED TRANSACTION GROUP PROCESSING AND REAL-TIME SCORING - A transaction in a sequence of transactions is received and a transaction group with which the transaction is associated is determined, as well as transaction group signature data of the transaction group with which the received transaction is associated. A transaction score for the received transaction is generated, in response to determining that the received transaction is a last transaction in the transaction group with which the received transaction is associated, and a transaction group score is generated for the transaction group with which the received transaction is associated, such that the transaction group score is generated based on all transactions in the sequence of transactions that are associated with the transaction group. | 09-18-2014 |
20140279417 | System And Methods For Funds Transfer And Receipt - A system and method for collaborative peer-to-peer fund transfer that allows the transfer of funds without requiring a bank account. The present invention uses existing infrastructure to allow senders to initiate fund transfer to designated recipients. The system receives a transfer request from a sender via an SMS Gateway, retail kiosk, web interface, or bank transfer, and processes a transaction. The system communicates a unique code for confirmation to the designated recipient, who can use the unique code to redeem the transferred funds. The transferred funds are then associated with a prepaid card, debit card, or gift card, or disbursed in cash form. | 09-18-2014 |
20140279418 | ASSOCIATING AN INDICATION OF USER EMOTIONAL REACTION WITH CONTENT ITEMS PRESENTED BY A SOCIAL NETWORKING SYSTEM - A social networking system user may associate an emoji representing the user's emotional reaction with a content item presented by the social networking system. The user is presented with one or more emoji maintained by the social networking system and selects an emoji for associating with the content item. If certain emoji are selected, the social networking system prompts the user for compensation or requests compensation from an entity associated with the selected emoji. The selected emoji is associated with the content item and a connection, or other information, between the user and the object identifying the selected emoji is stored by the social networking system. The selected emoji may be displayed with the content item to the user and to other users connected to the user. | 09-18-2014 |
20140279419 | METHODS AND SYSTEMS FOR IMPLEMENTING VARIOUS TRANSACTIONAL ARCHITECTURES - A method substantially as shown and described the detailed description and/or drawings and/or elsewhere herein. A device substantially as shown and described the detailed description and/or drawings and/or elsewhere herein. | 09-18-2014 |
20140279420 | SYSTEM AND METHOD FOR FACILITATING FINANCIAL TRANSACTIONS UTILIZING A PLURALITY OF NETWORKED DATABASES - A system and method that integrates financial and non-financial data to enable the efficient creation and distribution of financial transaction proposals, and the execution thereof. More particularly, the system and method is coordinated by a financial transaction program manager, depicted in some embodiments as an incentive program manager, that provides an interface to disparate data stores of financial and non-financial data that enables the efficient targeting and delivery of transaction proposals. Transaction proposals may take the form of incentive offers to individuals and entities based on identified criteria, including criteria identified or defined by merchants, program registrants, or third party entities and having certain terms. Acceptance of the terms of a proposed financial transaction may occur through a purchase made with an electronic payment instrument wherein said purchase satisfied the requirements of the proposed transaction. In the context of proposed incentive offers, the system and method may, in some embodiments, dynamically adjust a program registrant's reward depending on the extent of interest from the program registrant's social network, such as “clicks” on the advertising that appears in the program registrant's social networking account. | 09-18-2014 |
20140279421 | METHODS AND SYSTEMS FOR AGNOSTIC PAYMENT SYSTEMS - Computationally implemented methods and systems include acquiring an indication of one or more conditions related to a potential transaction between a vendor and a user, acquiring a vendor payment channel set, said vendor payment channel set including one or more vendor payment channels, at least one of said one or more vendor payment channels including at least one of a vendor payment option and a vendor payment modality, and adapting at least one user payment channel for use with a vendor payment channel of the vendor payment channel set to facilitate at least a portion of the potential transaction, wherein the adapting at least one user payment channel includes one or more of selecting a user payment channel that is present in the vendor payment channel set and interfacing a user payment channel that is absent in the vendor payment channel set. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279422 | METHODS AND SYSTEMS FOR AGNOSTIC PAYMENT SYSTEMS - Computationally implemented methods and systems include acquiring an indication of one or more conditions related to a potential transaction between a vendor and a user, acquiring a vendor payment channel set, said vendor payment channel set including one or more vendor payment channels, at least one of said one or more vendor payment channels including at least one of a vendor payment option and a vendor payment modality, and adapting at least one user payment channel for use with a vendor payment channel of the vendor payment channel set to facilitate at least a portion of the potential transaction, wherein the adapting at least one user payment channel includes one or more of selecting a user payment channel that is present in the vendor payment channel set and interfacing a user payment channel that is absent in the vendor payment channel set. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279423 | METHODS, SYSTEMS, AND DEVICES FOR HANDLING MULTIPLE DISPARATE SYSTEMS - Computationally implemented methods and systems include acquiring at least one user payment channel, said at least one user payment channel including at least one of a user payment option and a user payment modality, acquiring at least one vendor payment channel, said at least one vendor payment channel including at least one of a vendor payment option and a vendor payment modality, wherein at least a portion of the at least one vendor payment channel is different from the at least one user payment channel, and facilitating a first portion of a potential transaction between a first party and a second party by using the at least one user payment channel. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279424 | DEVICES, METHODS, AND SYSTEMS FOR TECHNOLOGICALLY SHIFTING OPTIONS AND MODALITIES - Computationally implemented methods and systems include facilitating presentation of a persistent transaction interface, determining a vendor payment channel set for facilitating a potential transaction that corresponds to the presentation of the persistent transaction interface, and determining one or more resources configured to be used to carry out at least a portion of the potential transaction using at least one vendor payment channel from the determined at least one vendor payment channel set. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279425 | METHODS, SYSTEMS, AND DEVICES FOR HANDLING MULTIPLE DISPARATE SYSTEMS - Computationally implemented methods and systems include acquiring at least one user payment channel, said at least one user payment channel including at least one of a user payment option and a user payment modality, acquiring at least one vendor payment channel, said at least one vendor payment channel including at least one of a vendor payment option and a vendor payment modality, wherein at least a portion of the at least one vendor payment channel is different from the at least one user payment channel, and facilitating a first portion of a potential transaction between a first party and a second party by using the at least one user payment channel. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279426 | DEVICES, METHODS, AND SYSTEMS FOR TECHNOLOGICALLY SHIFTING OPTIONS AND MODALITIES - Computationally implemented methods and systems include facilitating presentation of a persistent transaction interface, determining a vendor payment channel set for facilitating a potential transaction that corresponds to the presentation of the persistent transaction interface, and determining one or more resources configured to be used to carry out at least a portion of the potential transaction using at least one vendor payment channel from the determined at least one vendor payment channel set. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279427 | DEVICES, METHODS, AND SYSTEMS FOR ADAPTING CHANNEL PREFERENCES OF A CLIENT - Computationally implemented methods and systems include determining one or more actions designed to be carried out to facilitate a potential transaction with a vendor, said one or more actions projected to be carried out using one or more of a vendor payment modality and a vendor payment option, receiving data regarding the potential transaction, including a request to avoid a particular action of the one or more actions, and determining an alternate action that is configured to have a similar result as the particular action that is designed to be carried out to facilitate the potential transaction with the vendor. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279428 | DEVICES, METHODS, AND SYSTEMS FOR ADAPTING CHANNEL PREFERENCES OF A CLIENT - Computationally implemented methods and systems include determining one or more actions designed to be carried out to facilitate a potential transaction with a vendor, said one or more actions projected to be carried out using one or more of a vendor payment modality and a vendor payment option, receiving data regarding the potential transaction, including a request to avoid a particular action of the one or more actions, and determining an alternate action that is configured to have a similar result as the particular action that is designed to be carried out to facilitate the potential transaction with the vendor. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279429 | DEVICES, METHODS, AND SYSTEMS FOR ACCEPTING MULTIPLE NONUNIFORM INPUT CHANNELS - Computationally implemented methods and systems include receiving a potential transaction initiation request, said potential transaction initiation request configured to indicate an intent to carry out a potential transaction, acquiring potential transaction data that includes a request to use a particular payment channel for at least a portion of the potential transaction, and determining that the acquired particular payment channel includes a payment channel that is not directly accepted. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279430 | DEVICES, METHODS, AND SYSTEMS FOR ASSISTING MULTIPLE DISCRETE DEVICES - Computationally implemented methods and systems include acquiring a request to carry out at least one particular transaction with a set of two or more client devices configured to carry out the particular transaction, adapting at least one vendor payment channel of a vendor payment channel set for use with a first client payment channel acquired from a first device of the set of two or more client devices, to facilitate at least a portion of a particular transaction with the first device, wherein the first client payment channel is absent from the vendor payment channel set, and adapting at least one vendor payment channel of the vendor payment channel set for use with a second client payment channel acquired from a second device of the set of two or more client devices, to facilitate at least a portion of a further transaction with the second device, wherein the second client payment channel is different than the first client payment channel. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279431 | DEVICES, METHODS, AND SYSTEMS FOR ACCEPTING MULTIPLE NONUNIFORM INPUT CHANNELS - Computationally implemented methods and systems include receiving a potential transaction initiation request, said potential transaction initiation request configured to indicate an intent to carry out a potential transaction, acquiring potential transaction data that includes a request to use a particular payment channel for at least a portion of the potential transaction, and determining that the acquired particular payment channel includes a payment channel that is not directly accepted. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279432 | DEVICES, METHODS, AND SYSTEMS FOR INTERACTIONS BETWEEN INTERMEDIARY DEVICES AND EXTRINSIC CLIENT DEVICES - Computationally implemented methods and systems include acquiring an indication of a potential transaction between an extrinsic client configured to use an extrinsic client payment channel and a vendor configured to use a vendor payment channel that is at least partially different than the extrinsic client payment channel, negotiating an agreement to facilitate at least a portion of the potential transaction between the extrinsic client configured to use the extrinsic client payment channel and the vendor configured to use the vendor payment channel, and facilitating at least a portion of the potential transaction in a manner which is configured to appear to the vendor to use the vendor payment channel to facilitate the potential transaction, or is configured to appear to the extrinsic client to use the extrinsic client payment channel to facilitate the potential transaction. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279433 | DEVICES, METHODS, AND SYSTEMS FOR INTERACTIONS BETWEEN INTERMEDIARY DEVICES AND EXTRINSIC CLIENT DEVICES - Computationally implemented methods and systems include acquiring an indication of a potential transaction between an extrinsic client configured to use an extrinsic client payment channel and a vendor configured to use a vendor payment channel that is at least partially different than the extrinsic client payment channel, negotiating an agreement to facilitate at least a portion of the potential transaction between the extrinsic client configured to use the extrinsic client payment channel and the vendor configured to use the vendor payment channel, and facilitating at least a portion of the potential transaction in a manner which is configured to appear to the vendor to use the vendor payment channel to facilitate the potential transaction, or is configured to appear to the extrinsic client to use the extrinsic client payment channel to facilitate the potential transaction. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279434 | DEVICES, METHODS, AND SYSTEMS FOR MANAGING ONE OR MORE RESOURCES FOR ONE OR MORE EXTRINSIC CLIENT ENTITIES - Systems, devices, and computationally implemented methods include acquiring a request for assistance in facilitation of a potential transaction between an extrinsic client configured to use an extrinsic client payment channel and a vendor configured to use a vendor payment channel that is at least partially different than the extrinsic client payment channel, identifying a resource to assist in facilitation of the transaction between the extrinsic client and the vendor, said identifying at least partially based on a characteristic of the resource, providing potential transaction data related to one or more of the extrinsic client and the vendor, to the identified resource, to assist in facilitation of the potential transaction, and providing resource data to one or more of the extrinsic client and the vendor, said resource data related to the identified one or more resource. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279435 | DEVICES, METHODS, AND SYSTEMS FOR MANAGING ONE OR MORE RESOURCES FOR ONE OR MORE EXTRINSIC CLIENT ENTITIES - Systems, devices, and computationally implemented methods include acquiring a request for assistance in facilitation of a potential transaction between an extrinsic client configured to use an extrinsic client payment channel and a vendor configured to use a vendor payment channel that is at least partially different than the extrinsic client payment channel, identifying a resource to assist in facilitation of the transaction between the extrinsic client and the vendor, said identifying at least partially based on a characteristic of the resource, providing potential transaction data related to one or more of the extrinsic client and the vendor, to the identified resource, to assist in facilitation of the potential transaction, and providing resource data to one or more of the extrinsic client and the vendor, said resource data related to the identified one or more resource. In addition to the foregoing, other aspects are described in the claims, drawings, and text. | 09-18-2014 |
20140279436 | TRANSFERRING MONEY USING EMAIL - Method, systems, and apparatus for receiving the email message from a sender device; identifying, using data processing apparatus of a payment service system, a sender email address, a service email address, and one or more recipient email addresses from the email message; identifying, for the sender email address, a sender financial account associated with the payment service system and, for each of the one or more recipient email addresses, a respective recipient financial account associated with the payment service system; identifying a payment amount from a subject or body of the email message; submitting a request to transfer, using the payment service system, the payment amount from the respective sender financial account to the respective recipient financial account. | 09-18-2014 |
20140279437 | METHOD AND APPARATUS FOR ELECTRONIC PAYMENT IN ELECTRONIC DEVICE - An electronic payment system in an electronic device displays a list of electronic payment applications and receives an input for selecting a default electronic payment application from the list. The system sets the selected default electronic payment application as a default electronic payment application application among one or more electronic payment applications and performs electronic payment by activating a payment means of the set default electronic payment application. | 09-18-2014 |
20140279438 | BRIDGING SUSPENSION OF ACCOUNTS - A method for servicing accounts includes receiving a determination from a service provider system indicating cancellation of a service account from the service provider system, deducting a balance from a prepaid card account as a result of the determination indicating cancellation of the service account, and sending the balance to the service provider system. | 09-18-2014 |
20140279439 | METHOD AND APPARATUS FOR CONFIGURING A TRANSACTION TO ADHERE TO JURISDICTION-DEPENDENT REGULATIONS - Methods, systems, computer-readable media, and apparatuses for facilitating a transaction are presented. In some embodiments, a request to participate in the transaction with one or more other users is received from a user device. The one or more other users are determined to ensure that the transaction is classified as an interstate transaction and complies with federal regulations governing the transaction. The transaction between the user and the one or more other users is facilitated based at least in part on the determining. The transaction may be an online gambling transaction. | 09-18-2014 |
20140279440 | EXPORT PREPARATION AND SUPPORT SYSTEM AND METHOD - A system and method of generating customs documentation for the export of goods from a first country to a second country. A database populated with restrictions and/or prohibitions corresponding to thousands of goods is accessed via a computing device. A description and attributes of a good is received and an indicator for the good is determined. Prohibitions and/or restrictions corresponding to the good are presented via the device. A governmental fee for the good is determined. A database with rules to determine a form based at least on the first country, the second country, and the attributes of the good is accessed. The determined form is automatically populated with at least the indicator for the good and the governmental fee, and a label is automatically developed. The indicator and other attributes of the good, the amount of the governmental fee, and identification of the form used are stored in a database for efficient future use. | 09-18-2014 |
20140279441 | SYSTEMS AND METHODS FOR SAVING A REMAINDER OF CASH TRANSACTIONS - Exemplary embodiments are directed to systems, methods and non-transitory computer storage mediums for storage of a remainder of at least one cash transaction. The exemplary systems, methods and non-transitory computer storage mediums include an electronically stored consumer account, an electronic payment terminal, and a transaction processing system. The transaction processing system is communicatively linked to the consumer account and the electronic payment terminal for directing saving a value of the remainder of the at least one cash transaction from the electronic payment terminal to the consumer account. Exemplary embodiments are further directed to methods of storing a remainder of at least one cash transaction and non-transitory computer readable medium storing instructions for a processing device for implementing the exemplary methods. | 09-18-2014 |
20140279442 | Mobile apparatus with transaction information - Mobile apparatus with transaction information is disclosed. The mobile apparatus receives, from an electronic service, with the wireless transceiver, a plurality of packets relating to transactions of an account linked with a payment card, transforms the received plurality of packets into transaction information, and displays, with the user interface, the transaction information such that transactions in relation to each other are represented by geometric objects. | 09-18-2014 |
20140279443 | Remote Sharing of Measurement Data - A method, system, and computer-readable medium for sharing measurement data with a remote device includes establishing, by a mobile computing device at an equipment site, a first communication connection with a measurement device that is configured to measure data with respect to equipment at the equipment site. The mobile computing device receives measurement data by way of the first communication connection. While remaining at the equipment site, the mobile computing device receives a request to share the measurement data with a selected contact via a remote device. In response, a second communication connection is established with the remote device, the measurement data to be shared is identified, and the identified measurement data is communicated to the remote device for review by the selected contact. Prior to establishing a communication connection with the remote device, permission to communicate the measurement data to the selected contact may be obtained from a gatekeeper. | 09-18-2014 |
20140279444 | PEER TO PEER EMAIL BASED FINANCIAL TRANSACTIONS - A method for peer-to-peer e-commerce transaction between a first user and a second user that is facilitated by a payment server is disclosed. The method including receiving a money request from a first user, wherein the money request identifies a second user from which money is requested. The method further including transmitting a money request email message to the second user, wherein the money request email includes a token and receiving a response email message to the money request email message, wherein the response email message includes the token. The method further including determining whether the second user is a member based on the received token and an email address associated with the response email message. | 09-18-2014 |
20140279445 | Method, Apparatus, and System for Processing Transactions - A method, apparatus, and system are disclosed for processing transactions in the field of Internet communication. In the method: a first terminal scans a graphic code of a transaction, acquires a process ID of the transaction from the graphic code, where the graphic code is generated by a payment system from its acquired transaction information of the transaction, the transaction information including at least ID of a first party and a transaction value of the transaction. The first terminal transmits a user account of a second party and the process ID to the payment system. The payment system acquires the transaction information of the transaction, reduces the transaction value from a first value included in the user account of the second party and adds the transaction value to a second value included in the user account of the first party. | 09-18-2014 |
20140279446 | TRANSFERRING MONEY USING EMAIL - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account. | 09-18-2014 |
20140279447 | TRANSFERRING MONEY USING EMAIL - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account. | 09-18-2014 |
20140279448 | DISTRIBUTED TRANSACTION SYSTEM - A distributed transaction system for enabling users to conduct transactions using services from third party service providers includes a central processing center with one or more communications interfaces to facilitate transactions initiated by users at a plurality of kiosks wherein each of the kiosks includes a user interface enabling a user to access a user selected service and a data store for storing configurations associated with services provided by the third party service providers, whereby a user interfaces with one or more of physical system resources of the kiosk to open a user identity session such that the kiosk is operative to facilitate at least one first user action with the physical resources to initiate a financial transaction and the central processing center is operative to execute at least a second action to facilitate the transaction and to communicate with a financial institution. | 09-18-2014 |
20140289101 | EMAILED PURCHASE RECEIPT - A method of processing receipts, including: obtaining transaction data including a plurality of categories of information necessary to describe a purchasing transaction of a customer at a store location; obtaining image data representing a receipt corresponding to the purchasing transaction of the customer at the store location; obtaining an e-mail address of the customer; providing an option to print the receipt at the store location and an option to e-mail the receipt to the customer; obtaining a selection of at least one of the provided options; if the option to print is selected, initiating printing of the image at the store location; and if the option to e-mail is selected, sending an e-mail to the e-mail address of the customer, the e-mail including providing at least one of the image data and the transaction data. | 09-25-2014 |
20140289102 | REPUTATION INTEGRATION INTO REMITTANCE DELIVERY - One embodiment provides a method of delivering a remittance from a first party to a third party via an intermediary party, in which an intermediary fee is chargeable by the intermediary party. The method includes: receiving, at a payment system, a request to conduct a remittance transaction including a transfer of a first value from a first party to an account of an intermediary party, and by the intermediary party to transfer at least a portion of the first value to a third party; accessing reputation data associated with the intermediary party; and determining an intermediary fee chargeable by the intermediary party for the transfer of at least the portion of the first value to the third party, the determining of the intermediary fee being based on the reputation data. The reputation data can be information about the intermediary party, as well as the first party and/or the third party. | 09-25-2014 |
20140289103 | PAYMENT LINK - In one embodiment, an intended recipient of money transmits a payment link created by the recipient to an intended sender of money, where the link contains a locator to a site of a payment provider, information about the recipient (e.g., phone number), and the amount of money to be sent. The link can be sent via email, text, IM, or other means. The sender then accesses the link, such as by clicking or tapping on the link, which launches a checkout or payment page for the sender on the payment provider site. The sender completes the payment page, and the payment is sent to the recipient by the payment provider. | 09-25-2014 |
20140289104 | Method and System for Account Parallel Processing - A method for account parallel processing used by an account processing center to process a request for account operation is disclosed. The method comprises: (1) categorizing accounts as high parallel occurrence accounts and common accounts; (2) when receiving the request from the client for processing operation of an account, firstly determining whether the account is a high parallel occurrence account; and if the account is a high parallel occurrence account, continuing to a step (3), otherwise, conducting a step (4); (3) if the account is locked, queuing a current operation to wait until implementation of the current operation; and (4) further determining, by the account processing center, whether the account is locked and outputting an error message when the account is locked, otherwise implementing the current operation. Such method provides more high quality services to the high parallel occurrence accounts. As for the common accounts, when there is a high volume of parallel transactions on the common accounts, the volume of parallel processing can be effectively controlled by outputting an error message to prevent comment accounts from causing damage the system. | 09-25-2014 |
20140289105 | PROVIDING CONFIGURABLE PRICING FOR EXECUTION OF SOFTWARE IMAGES - Techniques are described for facilitating sharing of executable software images between users in a configurable manner. In at least some situations, the executable software images are virtual machine images, and while executing may access and use remote network-accessible services (e.g., Web services). In addition, some or all shared executable software images may be made available in a fee-based manner by creator users, such that execution of such a fee-based software image by a software image execution service on behalf of a user other than the creator user is performed in exchange for fees from the other user as specified by the creator user. The creator user may further receive at least some of the specified fees paid by the other user, such as at least some of a difference between the specified fees and fees charged by the software image execution service for the execution. | 09-25-2014 |
20140297516 | METHOD FOR PROVIDING COMPOSITE USER INTERFACE CONTROLS AND AN ONLINE STOREFRONT FOR SAME - The present disclosure provides a method for providing composite user interface controls and a library or online storefront for same. In one aspect, there is provided a method for a client computer of sharing a custom control, comprising: receiving by a browser an encrypted custom control comprising a number of user interface elements which are positioned in a specified manner with respect to each other, wherein each of the user interface elements has one or more properties; receiving by the browser a decryption key; and decrypting by the browser the encrypted custom control using the decryption key. | 10-02-2014 |
20140297517 | MOBILE CHECK BOOK - A service provider permits a user to set a digital check account for having digital checks issued therefrom and generated on the user device. The digital check bears a routing number, an account number, an account holder's name, a check amount, a signature of the user, and a payee's name. The digital check may be generated by a local user application on the user device via check information entered by the user and account information either saved locally in the user device or transmitted real time by the service provider. The digital check may be generated on the user device via a full interactive process after the service provider receives a digital check issuance request with a payee identifier and the check amount. The digital check may be issued from either the service provider's own account or an external account(s) the user has with a third party. | 10-02-2014 |
20140297518 | REMOTE DELIVERY OF DIGITAL ARTIFACTS - A method and system for receiving digital artifacts from a management server. The method includes sending a request for a digital artifact from a mobile application to the management server for display within a specific mobile application generated screen, receiving the digital artifact from the management server, and displaying the digital artifact with the specific mobile application generated screen. | 10-02-2014 |
20140297519 | AUTOMATIC RESTITUTION OF TRANSACTION FEES, PUNISHMENT OF NON-PAYING BIDDERS, AND MANAGEMENT OF APPEALS - A method and system for resolving disputes between parties involved in a network-based transaction is described. One aspect of the present invention seeks to automatically facilitate the restitution of value to parties of the transaction, for example, facilitated by a network-based commerce platform or involving a network-based payment service, where a dispute has arisen with respect to the transaction. | 10-02-2014 |
20140297520 | USE OF A DIGITAL WALLET APPLICATION - A system and method for using a digital wallet application is provided. In a wallet application on a mobile device, a list of entities is provided. The list of entities comprises entities with which the user has previously conducted a value transfer using the wallet application. A selection of an entity from the list of entities is received. A new value transfer is initiated with the selected entity in response to the received selection. | 10-02-2014 |
20140297521 | Elastic Scaling of Data Volume - Embodiments are directed towards a system and method for a cloud-based front end that may abstract and enable access to the underlying cloud-hosted elements and objects that may be part of a multi-tenant application, such as a search application. Search objects may be employed to access indexed objects. An amount of indexed data accessible to a user may be based on an index storage limit selected by the user, such that data that exceeds the index storage limit may continue to be indexed. Also, one or more projects can be elastically scaled for a user to provide resources that may meet the specific needs of each project. | 10-02-2014 |
20140297522 | System and Method for Risk Evaluation in EFT Transactions - Embodiments of the invention are directed to a computer-implemented method for facilitating risk assessment for an EFT transaction. The transaction occurs between at least an originating participant and a destination participant. The method includes maintaining an alias table stored in a computer memory, the alias table containing country information for facilitating identification of a corresponding country associated with at least one EFT participant. The method additionally includes making a country identification implementing a computer processor through consultation with the alias table and execution of a matching process, the matching process incorporating the EFT data and alias table country information to identify the corresponding country. The method further includes passing the country identification to risk analysis components for evaluating risk associated with the transaction. | 10-02-2014 |
20140304147 | SYSTEM TO ALLOCATE PAYROLL FUNDS TO PREPAID INSTRUMENTS - A payroll management system receives employee enrollment in a program for having proceeds from a paycheck allocated to one or more gift cards, with net proceeds after the allocation deposited into a demand deposit (checking) account or any other deposit mechanism such as an open loop credit instrument. The gift cards are used at specified retailers, and automatically provide discounts on goods/services purchased using the cards. | 10-09-2014 |
20140304148 | Electronic Financial Service Risk Evaluation - An apparatus that comprises: a receiver configured to receive a request for a service; a processor coupled to the receiver and configured to: obtain data associated with the request, process the data, | 10-09-2014 |
20140304149 | INTER-CURRENCY CHEQUE PAYMENT CLEARING - A method of cheque payment clearing involves a payee financial institution receiving an electronic representation of a paper cheque. The electronic cheque representation identifies a payment amount, a payor financial institution and a payor account. The payment amount is payable from the payor account in a first currency. The payee institution (i) electronically transmits to the payor institution a transaction origination message identifying a payee account, the payment amount, and an equivalent amount that comprises the payment amount converted to a second currency different from the first currency; (ii) electronically receives from the payor institution a transaction response message identifying a confirmation of a debit entry in the payment amount posted to the payor account and, in accordance with the confirmation, (iii) applies to a payee account a credit entry in the equivalent amount. The equivalent amount is payable from the payee account in the second currency. | 10-09-2014 |
20140304150 | PAYER DEVICE THAT CHANGES PHYSICAL STATE BASED ON PAYER INFORMATION - A method for providing payer information on a payer device includes providing a payer device that includes at least one physical state change component moveably coupled to the payer device. Payer information is received over a network. The payer information is then determined to be associated with a physical state change instruction in a non-transitory, machine-readable medium of the payer device. The at least one physical state change component is then actuated according to the physical state change instruction to provide the payer information to a payer by changing the physical state of the payer device. | 10-09-2014 |
20140304151 | ONLINE QUICK KEY PAY - A quick pay option is provided so that a user can make a payment from a merchant site by simply entering in a user identifier in a pop-up window. Limits are set for the quick pay option and may vary between different merchants. The payment provider is able to determine the merchant, user, and transaction information automatically, such that the user may only be required to enter the identifier to process and complete the payment. | 10-09-2014 |
20140304152 | Money Transfer System and Messaging System - A system for transferring funds from a sender to a recipient with a recorded message is disclosed. In one step the method includes receiving a request for a fund transfer from the sender. The sender may make the request for a fund transfer at a transaction processing device. In another step a payment is received from the sender for the fund transfer and a payment confirmation is transmitted to the host computer system. An identifier may then be assigned to the fund transfer. A recorded message from the sender may be received and at least a copy of the recorded message may be transmitted to a host computer system. The recorded message may then be associated with the fund transfer. A request, including the identifier, may be received from the recipient to receive the recorded messaged. In another step the recorded message may be sent to the recipient. | 10-09-2014 |
20140304153 | METHOD AND A DEVICE FOR BANK NOTE HANDLING - A method for accomplishing payment by means of bank notes ( | 10-09-2014 |
20140310159 | REDUCED FRAUD CUSTOMER IMPACT THROUGH PURCHASE PROPENSITY - A method, system and computer program product for reduced fraud customer impact through purchase propensity is disclosed. A probability estimate of spending by a consumer in a merchant transaction category is computed based on historical transaction data and consumer profile data, and a propensity score for the merchant transaction is generated. The propensity score represents a propensity for the consumer to conduct the merchant transaction. The propensity score is combined in a fraud model operating in a real-time transaction stream. The fraud score can be adjusted in accordance with the propensity score. | 10-16-2014 |
20140310160 | Alert System with Multiple Transaction Indicators - A user may receive an alert notification message on a mobile device for any high risk transaction along with a set of recent transactions conducted on an account associated with the user. The user may be able to respond back by either accepting or rejecting the transaction using an application on the mobile device. In one embodiment, for a rejected transaction, a plurality of options may be presented to the user's mobile device for the user to select a reason for rejecting a transaction. An issuer associated with the payment account used for the transaction may receive the user's response and accordingly take appropriate actions on the account. | 10-16-2014 |
20140310161 | REMOTE TRANSACTION PROCESSING OF MEDIA - 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 sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. | 10-16-2014 |
20140310162 | SYSTEMS AND METHODS FOR GEOSPATIAL VALUE SUBJECT ANALYSIS AND MANAGEMENT - Location information may be gathered, managed, stored, and/or otherwise utilized to determine unique geo-referenced locations. The geo-referenced locations may be utilized to inform various processes and decisions such as insurance underwriting, risk assessment, pricing, and risk/loss control. Geo-referenced location information may also be utilized to allow for user-defined or customized value subject data gathering, analysis, and management. | 10-16-2014 |
20140310163 | System and Method for Providing Time to Cure Negative Balances in Financial Accounts While Encouraging Rapid Curing of Those Balances to a Positive Net Position - A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holder in real time. After a predetermined period of time or grace period, and/or by a predetermined end time or cut-off date or time, it is determined whether the negative balance was cured. If the negative balance was not cured during the grace period, an overdraft fee is assessed to the financial account. If the negative balance was cured during the grace period, any assessed overdraft fee for the negative balance is rebated or reversed. | 10-16-2014 |
20140310164 | CONTENT CAPABILITY CLEARING HOUSE SYSTEMS AND METHODS - A content capability clearing house that can act as a trusted and neutral mediator among network providers to manage rich content capabilities among multiple networks is provided. Content capabilities that can be brokered include, but are not limited to, quality of service and content screening. In an embodiment, a content capability clearing house includes a receiver that receives content capability request messages and other messages from network providers. A content capability request message includes a quality of service request and/or a subscriber profile request for use with content screening and subscriber specific advertisements. The present invention includes a series of methods for determining content capabilities for data transmission over a transaction between a content provider and a subscriber in which a content capability clearing house is used to efficiently broker and manage the capability among multiple network providers. | 10-16-2014 |
20140310165 | TWO-WAY VENDING - Two-way vending can be performed by a two-way vending machine for vending rechargeable batteries. A two-way vending machine can include different modules to perform different functionalities. A two-way vending machine can include a communications module, a payment module, a dispensing module, and a receiving module. A communications module can communicate information to and receive inputs from a user. A payment module can transact payment with the user. A dispensing module can dispense one or more rechargeable batteries or other requested products to a user. A receiving module can receive one or more rechargeable batteries from a user. | 10-16-2014 |
20140316976 | MONEY TRANSFERS FOR TAX REFUNDS - Tax refunds are provided via a money transfer service. Merely by way of example, a taxpayer (or a tax preparer) might provide to the IRS an account number at a bank, as a target for a direct deposit refund related to a tax return. In an aspect, the account number might have a specific format that informs the bank that the refund is to be processed by the money transfer service, and in another aspect, the account number might include data that identifies the taxpayer to the money transfer service. | 10-23-2014 |
20140316977 | RECURRING MONEY TRANSFER - A system and method of performing a value-advance money transfer comprising: receiving a money transfer request; determining whether an account associated with a sender of funds includes a sufficient amount of funds to cover a money transfer request; providing an amount of funds from a money transfer provider to the account associated with the sender to cover the money transfer request; making the amount of funds available to the sender for use in the money transfer; and executing a money transfer from the account to the control of the receiver. | 10-23-2014 |
20140316978 | SYSTEM AND METHOD FOR PAYMENT ON CALL IN A NETWORKED ENVIRONMENT - A computer-implemented method and system is disclosed in which a network-based e-commerce environment includes a merchant site to receive a voice call associated with a purchase transaction from a consumer, generate a payment request corresponding to the consumer purchase transaction in response to receiving the voice call, send the payment request to a payment site, and receive confirmation from the payment site that payment for the consumer purchase transaction has been received. | 10-23-2014 |
20140316979 | Systems and Methods for Identifying and Delivering Tailored Content Based Upon a Service Dialog - The present disclosure identifies and/or delivers tailored content based upon a service dialog. For example, the systems may receive a request for tailored content, facilitate a service dialog to obtain information related to the request, and communicate a plurality of tailored content based upon the information related to the request. Further, the systems may identify tailored content based upon a consumer profile, communicate the tailored content to a web client, and/or receive a selection of the tailored content. Further still, the systems may modify a magazine (e.g., content that is presented electronically) based upon tailored content. | 10-23-2014 |
20140324676 | Method for ordering and delivering an item - A methodology 10 which allows a user to order at least one item and have the ordered at least one item transported to a location specified by an address which is selected by the user. | 10-30-2014 |
20140324677 | METHOD AND SYSTEM FOR DETECTING, MONITORING AND INVESTIGATING FIRST PARTY FRAUD - According to an embodiment of the present invention, a computer implemented method and system for identifying fraudulent situations includes monitoring customer activity data associated with an account using the programmed computer processor via the network, wherein the customer activity data comprises a combination of transaction activity, payment activity, and non-monetary activity; applying a prediction algorithm to the customer activity data to identify one or more dusters associated with the account, wherein the one or more clusters are associated with one or more other accounts; and providing one or more recommended treatments for the account and the one or more other accounts through an interface. | 10-30-2014 |
20140324678 | System And Method For Transferring A Timeshare Property - The present disclosure provides a computer-executable method for executing a web-based program for producing a title transfer document. The method includes sending an instruction to an electronic device to request a type of transaction to be executed, wherein the type of transaction includes at least a removal of a current owner from the title or changing ownership to a new party. The method also includes receiving a communication from the electronic device in response to the request and executing a plurality of modules for requesting information about the timeshare property, the fees associated with the timeshare property, and at least one party of the transaction. The method further includes receiving input data in response to the executing step, linking the input data with at least one identifier in a document template, and producing the title transfer document upon completion of the linking step. | 10-30-2014 |
20140324679 | METHOD AND/OR SYSTEM FOR EXTENDING PAYMENT SYSTEM ARCHITECTURES AND/OR LEGACY ORDER PROCESSING SYSTEMS TO MOBILE COMMERCE APPLICATIONS VIA TEXT MESSAGING - A text message order processing system includes: means for receiving text messages from consumers purchasing products from one or more merchants, each of the text messages being addressed to an address selected by the consumer and including an identification of the product being purchased and an identification of a device from which the text message was sent; means for parsing each text messages to extract the identification of the product and the identification of the device from the text massage; means for selecting based upon each received text message a payment instrument to be used to pay for the purchase; means for establishing payment information related to the selected payment instrument and delivery information indicating where the purchased product is to be delivered; means for generating for each received text message an order including the established payment information, delivery information and identification of the product being purchased; and, means for submitting the generated order to an order management system of the merchant. | 10-30-2014 |
20140324680 | SYSTEMS AND METHODS FOR BALANCE TRANSFERS ASSOCIATED WITH GAMING ENVIRONMENTS - Systems and methods are disclosed for selectively increasing and decreasing the balances of gaming accounts and stored value accounts. Each of the gaming account and the stored value account are associated with a player. The stored value account is associated with a stored value payment vehicle that is issued to the player. Instructions for balance transfers can be provided by the player to a remote computing device. | 10-30-2014 |
20140324681 | SYSTEMS, DEVICES, AND METHODS FOR PROCESSING PAYMENTS FOR A CARD - Embodiments of the disclosure include systems, methods, and devices for processing payments for a card. Such embodiments include receiving payment information from a payor at an intermediate entity server as well as authorizing the payment transaction, by the intermediate entity server, based on the payment information. Further such embodiments include providing instructions, by the intermediate entity, to debit a payor card account and credit payee shadow ledger account based on the payment information as well as providing instructions, by the intermediate entity, to debit the payee shadow ledger account and to credit the payee card account based on payment rules. | 10-30-2014 |
20140324682 | UNIVERSAL MERCHANT APPLICATION, REGISTRATION AND BOARDING PLATFORM - A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application process. Further, the processors are programmed to receive merchant information from the merchant necessary to apply to the selected alternative payment brands and apply to each of the selected alternative payment brands using the merchant information in accordance with the merchant application process for the selected alternative payment brand. | 10-30-2014 |
20140324683 | SHARED MOBILE PAYMENTS - Methods and systems are provided for facilitating shared mobile payments. According to an embodiment, a user can initiate a purchase using a mobile device. The mobile device can display a total price for the purchase. The first user can cooperate with one or more second users to share the cost of the purchase. The cooperation can be facilitated via the first and second users' mobile devices. | 10-30-2014 |
20140324684 | Transaction Processing and Remote Activation - A device is communicatively connected to a remote transaction processing system. In at least one embodiment, the device comprises a dedicated power supply that is independent of a mains power supply, and has an operational state that is set according to an outcome of a transaction processed by the remote transaction processing system. The remote transaction processing system processes the transaction via communication with a separate mobile communications device. In another embodiment, a system comprises a device having a primary function other than facilitating communication, an interface for operating the device, and a transaction processing system that is remote from the device. The device, the interface, and the transaction processing system communicate wirelessly. The transaction processing system is configured to process payment transactions for usage of the device, and the outcome of the payment transactions determines whether the device is operational to provide its primary function. | 10-30-2014 |
20140324685 | RFID PAYMENT SYSTEM - A method for making a payment using a RFID system includes associating a first RFID identifier with a payer account in a database. A purchase type and an associated spending gate definition are received for the first RFID identifier over the network. The spending gate definition is associated with at least one of a plurality of funding sources of the payer account. The purchase type and associated spending gate definition are associated with the first RFID identifier in the database. A payment request is received for a purchase using the first RFID identifier over the network. It is determined that that the payment request includes the purchase type in the database. A payment is made using the at least one funding source of the payer account according to the spending gate definition associated with the purchase type. | 10-30-2014 |
20140324686 | Computer Implemented System for Management and Optimization of Financial Accounts and Financial Obligations of a User - The present disclosure envisages a system that assists a user in efficiently managing a plurality of financial accounts and financial obligations. The system acts as a gateway for accessing all the finance related information of the user. A′ database of the system stores all the information including the number of accounts held by the user along with the corresponding account numbers and the balance available in each of the accounts. The second vertical of the database stores information corresponding to all the financial obligations to be met by the user. The third vertical of the database stores information corresponding to the financial organizations handling the financial accounts associated with the user. The transactions performed towards the fulfillment of financial obligation(s) of the user are stored along with time stamps in chronological order or in the order of importance. | 10-30-2014 |
20140337205 | SYSTEMS AND METHODS TO IDENTIFY MERCHANTS - A system and method including a mobile application installed on a mobile device and configured to authenticate a merchant represented by a unique identifier, determine a position of the mobile device while the mobile device is co-located with a transaction terminal of the merchant, communicate the position to a portal to associate the position with the unique identifier and to receive an account number, and provide the account number to generate an authorization request on the transaction terminal. The authorization request includes a terminal identifier of the transaction terminal. When the authorization request generated using the account number is detected, the association between the account number provided to the mobile application and the location received from the mobile application is replaced with the association between the terminal identifier extracted from the authorization request and the location. Thus, subsequent authorization requests generated by the transaction terminal can be determined to contain the terminal identifier and identified to be associated with the location and the merchant identifier. | 11-13-2014 |
20140344139 | PROCESSING ANALYTICS DATA RECEIVED BY SENSOR DEVICES - One or more devices may receive multiple data records from a sensor device when the sensor device receives an indication from a network device, associated with a service provider network, to provide the multiple data records via the service provider network. Each of the multiple data records may include analytics data collected by the sensor device. The one or more devices may store the multiple data records; receive, from a client device, a data request for one or more of the multiple data records meeting particular criteria; form, based on receiving the data request, processed data including the one or more of the multiple data records meeting the particular criteria; and provide the processed data to the client device. | 11-20-2014 |
20140344140 | Systems and Methods for Directing a Money Transfer to a Receiving Party Account - Systems and methods which facilitate money transfer transactions to a receiving account are provided. Embodiments may provide for interaction between a money transfer service and one or more receiving account entities. Such interaction may be configured to cooperatively utilize transaction details in order to correctly route transferred funds to a receiving account. Embodiments may utilize this cooperation to prevent sensitive information from being widely distributed by parties which participate in a money transfer transaction. | 11-20-2014 |
20140344141 | AUTOMATICALLY TRIGGERED ADAPTIVE MONEY ALLOCATION BY FINANCIAL INSTITUTION - In a typical scenario, a bank provides the following on-line service to their customers (users), implemented as a software program in a server associated with the bank. The server is able to access allocation files that are programmable via the internet by a user. The user specifies rules in the allocation files identifying one or more percentages associated with respective ones of the user's secondary accounts to be applied to future deposits to the user's primary account (such as a checking account). Examples of secondary accounts may include a tax account, a retirement account, etc. The user also specifies one or more priorities associated with the respective secondary accounts. When a new deposit is made to the primary account, or on a pre-set periodic basis, the rules are automatically applied by the server to transfer the pre-set percentages of the deposits to the respective secondary accounts in the priority order. | 11-20-2014 |
20140344142 | Gateway Service Platform - A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system. | 11-20-2014 |
20140344143 | SYSTEM AND METHOD FOR MANAGING RELATED ACCOUNTS - The present application relates to a system and method for managing a plurality of accounts. A plurality of accounts is provided, with each account being associated with a customer. Account activity information associated with at least one action regarding one of the plurality of accounts is received at a first predetermined frequency. The received account activity information is analyzed, and at least one term of another account amongst the plurality of accounts is modified based upon a result of the analysis at a second predetermined frequency. | 11-20-2014 |
20140344144 | CERTIFICATION OF LEARNING APPLICATIONS IN A MODULAR LEARNING SYSTEM - A modular learning system for certifying learning applications is provided. When the system receives a request to certify a learning application from a learning application authoring user, the system provides a certifying user an interface to view the learning application and determine whether the learning application meets standards for certification. The certifying user provides a certification for the learning application and the system determines a fee for the certification service. The learning application author pays the fee and a certification is associated with the learning application. A certification badge may also be generated for display with the learning application to indicate compliance of the learning application with the certification standards. | 11-20-2014 |
20140344145 | FUNDING TRANSACTIONS IN A MODULAR LEARNING SYSTEM - A modular learning system is provided for enabling funding of learners in the modular learning system. The modular learning system provides learning services to users by enabling learning users to access learning applications and select tutors and learning facilities to enable the user to perform the learning applications. A funding user provides funds to the modular learning system and provides parameters for selecting learning users for funding. The modular learning system identifies learning users who match the parameters and enable the learning users to receive funding for eligible learning applications. The modular learning system disperses funding after determining particular learning performance requests are eligible items for funding. | 11-20-2014 |
20140344146 | SYSTEMS AND METHODS OF MANAGING POSTPAID AND PREPAID ACCOUNTS - A computerized method of managing postpaid and prepaid accounts of subscribers. The method comprises managing, for each of a plurality of subscribers, a prepaid account and a postpaid account having a common identifier, providing at least one accounts management rule, receiving payment instructions to debit or credit a first of the plurality of subscribers, the payment instructions is associated with a respective the common identifier, selecting automatically, using a processor, according to respective the at least one accounts management rule, which of respective the prepaid account and the postpaid account of the first subscriber to debit or credit according to the payment instructions, and updating the selected account according to the payment instructions. | 11-20-2014 |
20140351117 | SYSTEM FOR EXCHANGING BUSINESS SERVICES - The present invention seeks to provide methods and systems for the online exchange of business services between merchants, wherein credit is approved and used to establish virtual value recognition documents such as gift cards or coupons and acquire gift cards or coupons of other merchants. The website owner can generate revenue by retaining a percentage of the gift cards or coupons and reselling them to non-merchant users at a discount to the gift card face value. | 11-27-2014 |
20140358769 | MERCHANT DATA CORRECTION THROUGH LOCATION AVERAGING - A computer-implemented method is provided for determining merchant locations. The method includes receiving transaction data and associated location data for transactions between at least one cardholder and at least one merchant, and calculating an average location. The location data associated with each transaction is related to a location of a cardholder of the at least one cardholder making the associated transaction. The calculation includes averaging location data associated with a threshold amount of transactions for one of the merchants. A location of the merchant is determined based on the calculated average location. The method is performed by at least one processing device. | 12-04-2014 |
20140358770 | GIFT CARD WITH PRINCIPAL VALUE AND AUXILIARY VALUE - The present invention relates to methods and systems involving a gift card comprising a principal value and auxiliary value. The principal value may represent a monetary or pre-sale value, while the auxiliary value may represent a virtual good. | 12-04-2014 |
20140358771 | SYSTEMS AND METHODS FOR CLUSTERING OF CUSTOMERS USING TRANSACTION PATTERNS - Example systems and methods for clustering of customers using patterns in their transactions are described. In one implementation, a method receives customer information that includes at least a plurality of customer identifications and a plurality of payment options associated with a plurality of customers. The method identifies a subset of payment options, from among the payment options, and a subset of customer identifications, from among the customer identifications, such that each payment option of the subset of payment options is associated with more than one customer identification of the subset of customer identifications. The method then classifies each customer identification of the subset of customer identifications as either of one of more than one of the customer identifications associated with a single one of the customers or one of more than one of the customer identifications associated with more than one of the customers who are related to each other. | 12-04-2014 |
20140358772 | MERCHANT AGGREGATION THROUGH MERCHANT DATA PROVISIONING - A method, system and machine-readable medium for aggregating merchant data from transaction data. The method includes retrieving a first data set from a data warehouse, the first data set including transaction data having a respective merchant location identifier. One or more acquiring institutions provides a data second set including merchant locations represented by the respective acquiring institution, each merchant location in the data set having an associated settlement account identifier. The first and second data sets are merged based upon common merchant locations, and merchant locations in the merged data sets having a common settlement account identifier are associated with each other. | 12-04-2014 |
20140358773 | ELECTRONIC BOOK SERVICE SYSTEMS, METHODS, AND INTERFACES - Systems, methods, and graphical user interfaces for facilitating and using an electronic book service may include a plurality of settings and/or configurations. | 12-04-2014 |
20140365358 | METHODS AND SYSTEMS FOR CONTEXT-BASED CHECK-OUT FLOWS USING A PASS-THROUGH PAYMENT GATEWAY - Methods and systems for context-based check-out flows using a pass-through payment gateway (PTPG) are described. One method in a user computing device includes transmitting a probability request for a user to a network application seeking an indication of whether the user would likely utilize payment information stored by the network application while placing an order using a commerce application. Upon receiving a response, the commerce application presents a UI element indicating that the user may utilize the stored payment information to complete the order. Another method in a PTPG includes receiving a request from a commerce application to charge a user for an order. In response, the gateway transmits a charge request to an identified payment gateway system for the commerce application on behalf of the commerce application such that a monetary amount is credited to an account of the commerce application directly by the payment gateway system. | 12-11-2014 |
20140365359 | Alternative customer tracking for parking facilities - The customer starts a parking experience by entering an identifier, such as a phone number or thumb print, using a Flow Thru Box to record the individual and the time they entered, combined with the capture of his/her License Plate information to identity the vehicle. The vehicle identity and the customer identity are then joined (such as identifier and time). This information is stored in a server for retrieval when customers wish to calculate their time for payment. The customer arrives at a Flow Thru Box and enters their information so the Flow Thru software can find their parking record stored on the server. That information is used to calculate the time parked and the associated fee. When the customer exits the facility in their vehicle the License Plate camera records the vehicle License Plate information and checks the server to determine if the driver of the vehicle has paid. | 12-11-2014 |
20140365360 | Helmet Cleaning Apparatus - Disclosed is a helmet cleaning apparatus. The apparatus includes a rectangular housing having a cleaning compartment with a transparent lid pivotally connected thereto. The compartment includes a helmet mount having a spheroidal shape and on which a helmet can be positioned for cleaning. The helmet mount further includes apertures thereon that are connected to a vacuum cleaning device and a steam cleaning device contained within the housing. In operation, a helmet is positioned on the helmet mount, and some of the apertures thereon disperse steam in order to clean the helmet. Other apertures draw debris and other materials into the vacuum cleaning device in order to remove the same from the helmet. In this way, a user can easily and conveniently sanitize and clean a helmet without having to manually cleaning the helmet. | 12-11-2014 |
20140365361 | System, Method and Computer Program Arranged to Facilitate a Transaction - A computing device for facilitating transactions between one or more remote devices, the device comprising a processing module arranged to interact with the one or more remote devices via a communications network and a database arranged to contain information regarding the state of one or more transaction channels in relation to an account, wherein the module is arranged to receive instructions via the communications network from the one or more remote devices and provide information regarding the state of the one or more transaction channels is disclosed. | 12-11-2014 |
20140365362 | APPARATUS, SYSTEM AND METHOD OF ESTABLISHING COMMUNICATION BETWEEN AN APPLICATION OPERATION ON AN ELECTRONIC DEVICE AND A NEAR FIELD COMMUNICATION (NFC) READER - A wireless media player and a related system and methodology are disclosed. One aspect of the wireless media player system pertains to a virtual connector system, apparatus, and method for the automatic establishment of wireless connectivity with other electronic devices. In one embodiment, the media player device employs the use of integrated Radio Frequency Identification (RFID) technology to exchange communication settings, media capability, and other parameters with an external device that also has integrated RFID technology. The automatic exchange of settings and other information via a proximity-based RFID data exchange allows a media player to quickly establish a secure communication link with another device via a commonly supported wireless protocol such as Ultra Wideband (UWB) or Bluetooth. Another aspect of the media player system pertains to a method of using the captured media capability of the connecting device to customize certain menu options and software parameters in the media player. | 12-11-2014 |
20140372284 | System, Methods, and Computer-Readable Media for Determining an Entity Score Based on User Behaviors Associated with an Entity - Provided are systems, methods, and computer-readable media for determining an entity score based on user behaviors associated with an entity. Various user behaviors are obtained from payment services, location services and other services. The user behaviors are based on payment transactions with an entity, user presences at an entity, and user selections of entity relative to alternative entities. Based on the user behaviors, positive or negative coring signals are determined and used to modify an entity score associated with the entity. | 12-18-2014 |
20140372285 | TRANSACTION TIME MONITORING - To monitor transaction time, a first plurality of events is received. A transaction is associated with the first plurality of events. A time is determined for each event of the first plurality of events in the transaction to occur. An average time is calculated for a second plurality of events to occur based on the time of events in the first plurality of events. The second plurality of events is determined from a plurality of transactions and is based on one or more attributes, and the second plurality of events includes events from the first plurality of events. A standard deviation and a coefficient of variation are calculated for each event in the second plurality of events. | 12-18-2014 |
20140372286 | PLATFORM FOR ENABLING SPONSORED FUNCTIONS OF A COMPUTING DEVICE - Systems, methods, and computer-readable media are described for sponsoring functions of computing devices associated with users. A sponsor may define a sponsorship that includes rules for sponsoring certain functions available to a user via a computing device. The execution of the functions may be facilitated, in some instances, by a service provider that may also specify rules and policies that control the functions. As such, when the user executes one or more of the sponsored functions by way of the computing device, instead of charging the associated cost to the user, the service provider may charge the cost to the sponsor based on the associated rules and policies. | 12-18-2014 |
20140372287 | Method and Apparatus for Subscriber Account Selection - For a given “consumer” having associations with multiple “provider” accounts that are possible targets for charging with respect to a chargeable event involving the consumer, it is advantageously recognized herein that only one or a relative handful of those provider accounts are likely to be actual candidates for charging with respect to any given chargeable event. Correspondingly, a network node maintains provider account status information indicating whether a given provider account is a candidate for charging in a general sense and in a consumer-specific sense. Account information is retrieved only for the provider accounts indicated as actual candidates for charging, meaning that unnecessary data fetching, account locking, and charging reservation mechanisms are avoided for accounts that, while affiliated with the consumer, are not indicated as being actual candidates for charging with respect to the particular consumer and particular chargeable event. | 12-18-2014 |
20140372288 | METHODS AND SYSTEMS FOR ELECTRONIC MONETARY PAYMENTS - Computer-implemented methods and systems enable payers to make monetary payments such as gratuities to payees using third-party payment processing services. Payees are assigned electronically-readable unique identifiers, which they can display to potential payers. Payers scan the unique identifiers using mobile devices such as smart phones and send instructions for making payments through a downloaded application. | 12-18-2014 |
20140372289 | PROCESS, SYSTEM AND COMPUTER PROGRAM PRODUCT FOR ASSET MAINTENANCE - A process, system and computer program product for asset maintenance, performed by an asset management system which evaluates an expected operational life until maintenance on the asset is no longer economical, and determines a frequency and a scope of maintenance work for each asset over the expected remaining life of each asset, determines a cost of maintenance over the expected remaining life of each asset based on the frequency and scope of the maintenance work and operational factors, establishes a first maintenance agreement between an asset maintenance company and an asset owner, and a second maintenance agreement between a maintenance company and operator such that the maintenance agreements include the frequency, scope, and costs of maintenance work. | 12-18-2014 |
20140372290 | Face-to-Face Meeting Facilitation Systems, Methods and Computer-Program Products - Systems, methods and computer-program products are configured to facilitate the in-person (or “face-to-face”) meeting of online dating, social networking, and other Web site users. Such systems, methods, and computer-program products may allow for enhanced user experience (e.g., having their online dating site memberships translate to actual meetings of real people at a specific venue of mutual interest) and lead to more revenue generation opportunities for operators and advertising sponsors of such sites. The systems, methods and computer-program products may allow for the automated facilitation of a meeting among two or more members of an online site, while ensuring agreement by all parties on the details of the meeting itself, such as the venue, the party funding a purchase related to the meeting (e.g., a meal), and the purchase amount. Thus, the parties are ensured of having the face-to-face meeting and the venue is assured of patronage. | 12-18-2014 |
20140372291 | MULTI-PARTY TRANSACTION PAYMENT NETWORK BRIDGE APPARATUS AND METHOD - A system, method, and computer-readable storage medium configured to process financial transactions that traverse an NGO network with an interbank network. | 12-18-2014 |
20140372292 | METHOD AND SYSTEM FOR A PAYMENT TRANSACTION ASSOCIATED WITH A DECLARATION OF INTENT - The present invention relates to a method and a system for initiating and/or conducting a transaction that is associated with at least two corresponding declarations of intent, in particular a payment transaction, between at least two transaction parties via a processing unit ( | 12-18-2014 |
20140379556 | Credit Payment Method for Foreign Tourists - This invention provides a credit card method for foreigners includes steps: foreign tourist accesses the information management server with information on the goods provided by domestic tourism goods provider(s); foreign tourist selects desired goods on the server; a domestic financial institution creates an account; the foreign tourist makes a temporary payment to the account for the goods; the domestic financial institution credits the account with the sum of the temporary payment amount and the weighted value points and issues a means of payment that is linked to the account; foreign tourist is provided with this means of payment after entering the country; foreign tourist makes an actual payment for the goods provided by the good provider using this means of payment; and the domestic financial institution withdrawing money, in the actual amount of payment, from the account to be wired to the goods provider. | 12-25-2014 |
20140379557 | VISUAL REPRESENTATION OF ACCOUNTS - A method for visual representation of actual accounts which includes displaying by a display a plurality of visual account representations which visually represent the actual accounts and are linked to the actual accounts, the plurality of visual account representations changing shape when a transaction is performed with respect to the plurality of visual account representations; responsive to transaction input with respect to one of the visual account representations, changing shape by the display of the one visual account representation in proportion to the size of the transaction input; and responsive to the transaction input with respect to the one of the visual account representations, changing shape by the display of a second visual account representation in proportion to the size of the transaction input. Also disclosed is a computer program product for visual representation of accounts. | 12-25-2014 |
20140379558 | Extensible Interface for Synchronous and Asynchronous Payment - An applications programming interface (API) or other interface may be configured for use with a plurality of e-commerce applications and/or a plurality of payment systems. The API may be associated with an operating system of a client or may be otherwise located in an e-commerce system or network. The API may receive a call regarding a purchase transaction. The purchase transaction may be examined to determine if a payment method is synchronous or asynchronous. An appropriate payment system may be activated to perform the purchase transaction based at least in part on the determination made by the examination of the purchase transaction. A result of the purchase transaction may be sent to the e-commerce program. By revision of the API, developers of e-commerce applications are freed from the burden of revising code in response to the need to utilize additional or differently operated payment systems. | 12-25-2014 |
20140379559 | CLOSED-LOOP STORED VALUE PAYMENT INSTRUMENT BROKERAGE - Closed-loop stored value payment instruments may be issued, sold and managed on behalf of a merchant through a third party electronic commerce system. Upon purchase of a closed-loop stored value payment instrument through the third party electronic commerce system, a payment aggregator may be notified of the purchase and the closed-loop stored-value payment instrument may be activated. A printer or other manufacturer may also notified of the purchase so that a closed-loop stored value payment instrument embodied in a physical card, may be created on demand in response to the purchase and then shipped to the purchasing customer on behalf of the merchant. | 12-25-2014 |
20140379560 | Automatic interest conversion program - A computer implemented method is provided for automatically converting bank account interest transactions into additional principal payments on mortgage accounts. The method further allows the customer to overlay an increase factor, on the interest amount, to increase the amount of the additional mortgage principal payment. The method further includes automatically debiting the product of the interest transaction and the increase factor (if applicable) from each enrolled interest bearing account, summing each amount and crediting the total to a customer's mortgage account in the form of an additional principal payment. | 12-25-2014 |
20140379561 | FRAUD MONITORING SYSTEM WITH DISTRIBUTED CACHE - Systems and methods for fraud monitoring in a payment service are disclosed. An exemplary system includes a first server being located at a first locale and routing a first series of transaction requests. The system includes a second server being located at a second locale and routing a second series of transaction requests. The transactions requests may or may not be associated with a single payment service user account. The system includes a distributed cache storing a set of transaction details of the two series of transaction requests. The system includes a risk service having access to the set of transaction details from the distributed cache. The risk service generates a fraud warning based on a result of a comparison of at least one transaction detail in the set of transaction details and at least one transaction detail of a new transaction request received by the first server. | 12-25-2014 |
20140379562 | INTERMEDIARY PAYMENT AND ESCROW SYSTEM AND METHOD - A method for enabling consumers in a commercial or gaming context to push funds from a traditional open loop account to a closed loop account, and back. At the request of a consumer, funds are transferred to an open loop account of an intermediary payment system that holds or keeps track of virtual closed loop accounts for each consumer and virtual open or closed loop accounts for individual electing merchants or gaming establishments. The consumer may elect to open and use an associated closed loop card to acquire goods or services at the electing private label merchant's or to place a bet at the private label gaming facility or device that will cause funds to be transferred from the consumer's virtual closed loop account to the merchant or gaming establishment's closed loop account. Thereafter, the funds are transferred from the intermediary payment system to an open loop account belonging to the commercial or gaming merchant. The system allows for many unique functionalities so that the consumer does not need a bank account, but can through card features selected, use one or more accounts like a bank account, including for international transactions, linking of cards (as an example for money transfers to students), and make purchases free of digital tracking to the account holding consumer. The method further benefits merchants and others involved in their use through the ability to structure non-traditional fee structures and loyalty or other rewards. | 12-25-2014 |
20140379563 | APPARATUS AND METHODS FOR WEB INITIATED PHONE PAYMENTS - A method and apparatus is disclosed for completing transactions initiated on online internet websites and completed with payments over phone. The process allows users an easy, convenient and secure method for making online payments without using credit or debit cards. | 12-25-2014 |
20140379564 | CLOUD SERVICE INTEGRATION PAY TRADING SYSTEM - A cloud service integration pay trading system includes a trust certificate platform, an identity provider platform, at least one user terminal and a cloud platform. Each user terminal can log in the cloud platform to purchase services from the trust certificate platform by using a cloud account being registered in the identity provider platform. When in transaction, the request for consumption from the trust certificate platform is transmitted by the identity provider platform to the cloud platform, allowing the user terminal to use the money flow service of the cloud platform to pay the amount charged. | 12-25-2014 |
20140379565 | METHOD AND SYSTEM FOR PAYMENT THROUGH MOBILE DEVICES - Processing payment through a mobile device includes: receiving a command; generating a payment request based on the command and send the payment request to be processed by a lower layer payment program; and monitoring the payment request sent from the localhost address of the mobile device via the predetermined port; in response to the payment request, providing an input interface for payment information in and receive the input payment information; using the lower layer payment program to connect with a payment server and pass the payment information over a network to the payment server; using the lower layer payment program to transfer a payment processing result received from the payment server, to the upper layer application program; and after the upper layer application program has been unblocked, presenting to a user an indication of whether the payment has been successfully processed. | 12-25-2014 |
20140379566 | INFORMATION PROCESSING SERVER, INFORMATION PROCESSING METHOD, INFORMATION PROCESSING PROGRAM PRODUCT, RECORDING MEDIUM ON WHICH INFORMATION PROCESSING PROGRAM PRODUCT IS RECORDED, PORTABLE TERMINAL, INFORMATION PROCESSING METHOD EXECUTED BY HANDHELD COMPUTER, PROGRAM PRODUCT FOR PORTABLE TERMINAL, AND RECORDING MEDIUM ON WHICH PROGRAM PRODUCT FOR PORTABLE TERMINAL IS RECORDED - The purpose of the present invention is to transfer value, the balance of which is managed by a server, to a terminal that does not have online connection function. An electronic money server | 12-25-2014 |
20140379567 | SYSTEM AND METHOD FOR AUTOMATIC PROVISIONING OF APPLICATIONS - A method and system for automatic provisioning of applications are described herein. The method can include the step of offering a plurality of applications for download to electronic devices in which each of at least some of the applications may be formatted for one of a plurality of operating environments. The method can also include the steps of receiving a request for at least one application in which the request can be associated with a first electronic device and selecting an application for delivery to the first electronic device. The selected application can be an application that may be formatted for the operating environment of the first electronic device and may be among the offered applications that are formatted for differing operating environments. | 12-25-2014 |
20140379568 | TRANSACTION SYSTEM, TRANSACTION SUPPORT APPARATUS, AND USER APPARATUS - A transaction system, comprising: a user apparatus; and a transaction support apparatus, the user apparatus and the transaction support apparatus being connected via a network; and a transaction apparatus connected to the user apparatus via short-rang radio communication, wherein upon receiving a request for transmission of electronic money from the transaction apparatus, the user apparatus is configured to transfer the received request for transmission to the transaction support apparatus; and upon receiving electronic money from the transaction support apparatus, the user apparatus is further configured to transfer the received electronic money to the transaction apparatus, and wherein the transaction support apparatus is configured to store electronic money, and when the request for transmission of electronic money is transferred from the user apparatus to the transaction support apparatus, the transaction support apparatus is configured to transmit the stored electronic money to the user apparatus in accordance with the request for transmission. | 12-25-2014 |
20150012415 | SYSTEM AND METHOD TO SUPPORT DIAMETER CREDIT CONTROL SESSION REDIRECTION USING SCIM/SERVICE BROKER - A system and method which overcome the limitations of online charging systems which do not natively support redirection functionality. In an embodiment of the invention a SCIM provides the added redirection functionality to online charging systems which do not natively support redirection functionality. The SCIM supports redirection of a user session to a process application in a manner which allows the user to easily continue with the activity the user was engaged. If selected criteria are met the SCIM can update credit control answers (CCA) with redirection information to redirect the session to an application. | 01-08-2015 |
20150012416 | SYSTEMS AND METHODS FOR SELECTING TRANSACTION CONDITIONS BASED ON ENVIRONMENTAL FACTORS - Systems and methods for selecting transaction conditions based on environmental factors are discussed herein. In one embodiment, information indicating the current status of an environmental factor (e.g., the current weather, the current time of day) is received and used to select a transaction condition. The transaction condition includes a parameter that indicates under which circumstances access to a media asset is enabled (e.g., length of time during which access is permitted, the maximum number of user devices that may access the media asset). A display of a listing for the media asset is then generated. Additionally, an indication of the transaction condition is displayed. In response to a user selection of the displayed listing, access to the media asset is enabled under the circumstances indicated by the parameter of the transaction condition. | 01-08-2015 |
20150012417 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - A transaction security apparatus, including a memory device for storing information regarding an account of or associated with an account holder, an input device or a receiver for inputting or for receiving transaction information regarding a transaction between the account holder and a counterparty, wherein the transaction is an in-person transaction or a face-to-face transaction, and wherein the transaction information includes information regarding the counterparty, information regarding an amount of the transaction, and information for accessing a communication device associated with the counterparty, a processing device, wherein the processing device processes the transaction information and generates a message containing information regarding the account, and further wherein the apparatus establishes a communication link with the communication device, and a transmitter, wherein the transmitter transmits the message to the communication device on, over, or via the communication link. | 01-08-2015 |
20150012418 | 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 credit number associated with a purchaser credit account previously established on a payment site, use the purchaser credit number to obtain associated purchaser credit account information maintained at a payment site, receive from the payment site a disposition of the purchase transaction, and receive from the payment site purchaser-specific information to streamline the purchase transaction. | 01-08-2015 |
20150012419 | METHODS AND APPARATUS FOR TARGETING COMMUNICATIONS USING SOCIAL NETWORK METRICS - A method for a computer system includes receiving a first user communication, determining a first group of users, determining a target number of users, determining whether the first group of users includes the target number of users, and if not, providing the communication to the first group of users, determining a hierarchal mapping of groups of users in response to user memberships, determining a second group of users from the hierarchal mapping, determining a plurality of social network relationship factors for the second group of users with respect to the first user, and providing the communication to at least a subset of users in the second group of users in response to the first plurality of social network relationship factors. | 01-08-2015 |
20150019409 | SYSTEMS AND METHODS FOR LOCATION-BASED TRANSACTION INFORMATION CAPTURING - Systems and methods for capturing location-based transaction details are provided. The system includes a location component configured to determine a location of a user device. The system also includes one or more processors configured to determine if the determined location is a favorite location of a user of the user device or if the user has been in the location for a time period greater than a threshold time, prompt the user to enter transaction information, and receive entered transaction information. The system also includes a memory configured to store the received transaction information, and a network interface component configured to send the stored transaction information. The sent transaction information may be stored on a remote server and may be accessed by user so that a user may be capable of viewing their transaction and other account information over a network. | 01-15-2015 |
20150019410 | Fraud Management System and Method - The present invention relates to a computer-implemented fraud method and system for managing fraud screening in response to a requested transaction. The fraud management system checks the efficiency of the fraud screening strategy and predicts the efficiency of new fraud screening strategies based on the total cost of fraud. This calculation is facilitated, because transactions are divided into groups, and the total cost of fraud may be calculated for a representative element of the group, and not for each transaction in the group. Furthermore, if the fraud screening is based on rules that apply an acceptance flow to predetermined conditions, the fraud management can choose the best acceptance flow for these predetermined conditions by minimizing the total cost of fraud. Finally, the fraud management can also flag inefficient rules thanks to an indicator related to the total cost of fraud to highlight rules whose predetermined conditions should be changed. | 01-15-2015 |
20150019411 | SYSTEMS AND METHODS FOR FACILITATING MULTI-PARTY PAYMENT TRANSACTIONS - A computer-implemented method for facilitating a payment transaction wherein a cardholder purchases an item from a merchant on behalf of a buyer is provided. The method includes receiving proposal data from a buyer computing device, wherein the proposal data includes at least one of an identification of an item proposed for purchase, a particular merchant, and a merchant purchase price. The method also includes receiving a selection message from the buyer computing device, wherein the selection message indicates a selected cardholder chosen to purchase the item on behalf of a buyer using a merchant payment card associated with the particular merchant. The method also includes reserving, by the computing device, at least the merchant purchase price and a cardholder processing fee associated with the merchant payment card in a buyer account. The method also includes transferring funds from the buyer account to a selected cardholder account, the funds determined at least in part by the merchant purchase price and the cardholder processing fee. | 01-15-2015 |
20150019412 | METHOD AND SERVER FOR PROCESSING DATA - A method and a server for processing data are provided. A recharging request containing an account number for recharging is received. An interface of a recharging server is called to perform a first recharging process to the account number for recharging. It is then determined whether the first recharging process is completed within a pre-determined duration. When the first recharging process is not completed within the pre-determined duration, a second recharging process is performed to a compensating account corresponding to the account number for recharging. The server includes a recharging request module, a recharging interface calling module, a determining module, and a recharging module. | 01-15-2015 |
20150019413 | SYSTEM FOR ENTERING DATA INTO A DATA PROCESSING SYSTEM - The present invention is a data entry system for extracting data from an image. The system displays a number of data capture windows corresponding to data fields employed in a data processing application, such as accounting software. The system allows the user to position the capture windows over the associated data in the image and automatically extracts the digital string under the window as the value of the associated data field. The system then submits all the data field values to the data processing application as if the user had entered them directly into a data entry screen in the data processing application. | 01-15-2015 |
20150019414 | SYSTEMS AND METHODS FOR BALANCE TRANSFERS ASSOCIATED WITH PAYMENT VEHICLES AND GAMING ENVIRONMENTS - Systems and methods for crediting a gaming account of an online gaming provider are disclosed. When the gaming account is of a player is credited, a stored value account of the player is debited. The stored value account can be linked to a stored value payment vehicle issued to a player. At the conclusion of online gameplay, the gaming account can be debited and the stored value account credited to reflect winnings. | 01-15-2015 |
20150026041 | TRANSACTION FLOW CONTROL USING CREDIT AND TOKEN MANAGEMENT - Embodiments of a local interface unit are disclosed that may allow for managing credits and tokens as part of flow control method. The local interface unit may include a transmit unit and a receive unit. The transmit unit may be configured to receive credits and tokens, determine an available number of credits based on the number received tokens, determine an available number of tokens based on the number of received tokens, and send the available credits to an arbitration unit. The available credits may then be updated, by the transmit unit in response to receiving a selected transaction from the arbitration, and the transmit unit may then transmit the selected transaction, and update the available credits and the available tokens once the transaction has been sent. The receive unit may be configured to send credits and tokens to a transmit unit, and receive a transaction sent by a transmit unit. | 01-22-2015 |
20150026042 | SYSTEM AND METHOD FOR ELECTRONIC CASH-LIKE TRANSACTIONS - An electronic money system where ownership of each cent of properly created and labeled electronic money is manifested and confirmed by the ability of a client to change specific secret content in pre-determined field assigned to said cent of electronic money. Said ability is granted upon demonstration of knowledge of the current content of said pre-determined field. An electronic money system capable of purchases, transfers, deposits and remittances with anonymity and convenience similar to ordinary cash. An electronic system whose enabling client computational resources can be downloaded as a software application and can be operated under yearly subscription fee. | 01-22-2015 |
20150026043 | METHOD AND APPARATUS FOR COMPETITIVE RESOLUTION OF CREDIT CARD PROCESSING TASKS - Methods and apparatus for competitive resolution of credit card transactions are provided. Banks are invited to bid to perform a transaction, initiated by the new existence of a credit card-processing to be performed. The successfully bidding bank is awarded the benefits and obligations of completing the credit card processing. | 01-22-2015 |
20150026044 | METHOD, PROTOCOL AND SYSTEM FOR UNIVERSAL SENSOR COMMUNICATION - A system, protocol, network and method are herein provided. In some embodiments a system is provided for smart sensor management, including multiple sensor devices, each device being configured with an open platform API, an API integration layer, an open sense platform (OSP), and an interface layer. | 01-22-2015 |
20150026045 | SYSTEMS, METHODS, AND COMPUTER PROGRAM PRODUCTS FOR REPORTING CONTACTLESS TRANSACTION DATA - Systems, methods, and computer-program products are provided reporting contactless transaction data. A request for report data is received. First record data associated with a first type of event is received from a first server. Second record data associated with a second type of event is received from a second server. The first record data and the second record data are stored. At least a portion of the first record data associated with a transaction identifier (ID) and at least a portion of the second record data associated with the transaction ID are collated as third data. Report data, including at least a portion of the third data, is transmitted as to a communicatively coupled apparatus the report data. | 01-22-2015 |
20150026046 | PORTABLE MULTI-FUNCTION DEVICE WITH MULTIPLE TRANSACTION ACCOUNTS - A portable multi-function device with data memory for storing a plurality of transaction applications, each of the transaction applications configured to make payment in a transaction; program storage comprising instructions to use a selected transaction application to make payment in the transaction; and processing circuitry for performing the instructions in the program storage to use the selected transaction application to execute the transaction. | 01-22-2015 |
20150026047 | Automated Pairing of Payment Products and Mobile to Mobile Devices - A computer receives card transaction data in response to a transaction using a financial services card. The card transaction data identifies at least a location, date, and time associated with the transaction. Upon receiving the card transaction data, the computer compares the card transaction data with telematics information associated with a vehicle equipped with a telematics device. The telematics information identifies at least a location of the vehicle, and a time and date associated with the location of the vehicle. On the basis of the comparison, the computer determines if the location of the transaction substantially matches the location of the vehicle at the time and date of transaction. Responsive to determining a substantial match, the computer associates the financial services card with the vehicle. | 01-22-2015 |
20150032599 | COMPUTER-BASED METHOD FOR SORTING PAYMENT SYSTEMS - A computer-based method for sorting payment systems. The computer-based method may comprise the steps of: providing an electronic data processing unit; obtaining one or more parameters of a user by said one or more applications; creating one or more payment systems groups; prioritizing the payment systems groups by the application; populating at least one of the payment systems groups with one or more payment systems based upon the parameters; sorting the payment systems within one the payment systems groups to create a sorted payment system; adding the sorted payment systems to a list; and displaying the list to the user. | 01-29-2015 |
20150032600 | COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES - In certain embodiments, a system for executing electronic transaction services comprises one or more processors operable to access first charge information associated with electronic transactions related to a plurality of nodes, access second charge information associated with electronic transactions related to a plurality of regulatory authorities, access a plurality of previously executed electronic transactions associated with a user, determine one or more transaction patterns based on the plurality of previously executed electronic transactions, determine a current cost associated with the one or more transaction patterns based at least in part on the first and second charge information, and determine, based at least in part on the first and second charge information, one or more proposed electronic transactions associated with a proposed cost less than the current cost. | 01-29-2015 |
20150032601 | COMMUNICATION NETWORK FOR COLLECTING DATA AND EXECUTING ELECTRONIC TRANSACTION SERVICES - In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts associated with an entity, one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access account data from the plurality of accounts, the one or more interfaces further operable to receive a service request from a user to execute a fund transfer involving a first of the plurality of accounts associated with the entity, the one or more processors further operable to determine one or more second of the plurality of accounts associated with the entity, and filter the one or more second of the plurality of accounts based on fund transfer limitations associated with the one or more second accounts to determine one or more proposed accounts. | 01-29-2015 |
20150032602 | UNDERSTANDING PAST PURCHASE TRANSACTIONS BASED ON PURCHASE TRANSACTION HISTORY - Embodiments of the invention are directed to apparatus, methods, and computer program products for understanding past transactions based on purchase history. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve information associated with the request from a structured financial account database; and provide a recommendation to the customer based on the request and the information retrieved. | 01-29-2015 |
20150032603 | CERTIFICATE-AUTHENTICATED, TAG-INITIATED DORMANT TRANSACTION APPLICATION APPARATUSES, METHODS AND SYSTEMS - The CERTIFICATE-AUTHENTICATED, TAG-INITIATED DORMANT TRANSACTION APPLICATION APPARATUSES, METHODS AND SYSTEMS (“DPA”) transforms NFC, virtual wallet, and authentication inputs into application launch instructions and transaction information outputs. In some implementations, this may be achieved via obtaining an indication that a user device is in proximity to an NFC tag, where the NFC tag is associated with a merchant. Based on the indication, contents of the NFC tag are obtained. The contents include an authentication certificate for the merchant. The NFC tag is authenticated using the authentication certificate, where the authenticating of the NFC tag generates an authentication result indicating a validity of the NFC tag. An application launch instruction is provided to the user device based on the authentication result. The application launch instruction is processed at the user device to open an application associated with the merchant on the user device. | 01-29-2015 |
20150032604 | MERCHANT DATA CLEANSING IN CLEARING RECORD BASED ON TARGETED MERCHANTS - A network operator intermediates a cashless transaction by sending a payment device issuer an outbound clearing data file enriched with cleansed merchant data. Issuers that choose to participate in the merchant data cleansing service are provided with the cleansed, and optionally augmented, merchant information. Before providing the cleansed and/or augmented merchant information, a determination is made of whether a “do not recognize” call is likely, based upon a determination by a computing device of whether or not the merchant is on a “watch-list” of merchants. The “watch-list” is previously generated based upon one or several factors, including whether or not a minimum number or percentage of previous transactions have resulted in charge-backs, whether DNR transactions associated with the merchant were previously reported, or if an acquirer, issuer, or third-party payment provider recommends the merchant for inclusion. | 01-29-2015 |
20150032605 | SYSTEMS AND METHODS FOR DIGITAL CHECK CONVERSION - Systems and methods are provided for digital check conversion. In one embodiment, a method is provided. The method may include accessing, by a computer, respective check information associated with one or more checks. The method may also include generating, by the computer based at least in part on the respective check information, machine-readable code. Furthermore, the method may include presenting, by the computer, the machine-readable code to a payment device for payment of one or more items. | 01-29-2015 |
20150032606 | SYSTEM FOR PERFORMING SECURE LARGE MONETARY TRANSACTIONS THROUGH MOBILE COMMUNICATION DEVICES - A computerized system and associated process for securing large monetary transactions through mobile phones or smartphones. The system offers several security innovations bringing the trust and safety expected when handling such important transactions. | 01-29-2015 |
20150032607 | MOBILE DEVICE BASED VEHICLE DIAGNOSTIC SYSTEM - A vehicular diagnostic communications system, and components thereof, are provided for an apparatus and technique for communicating vehicular diagnostic information over a cellphone network. The system includes a code reader having a vehicle diagnostic port connector for receiving vehicle diagnostic information from the vehicle diagnostic port. The code reader also has a local connectivity network circuit for communicating vehicle diagnostic information between the vehicle diagnostic port connector and a local connectivity circuit. A cellphone is arranged in communication with the local connectivity network for communicating vehicle diagnostic information between the code reader and a cellular telephone network. | 01-29-2015 |
20150032608 | SYSTEM AND METHOD FOR MANAGEMENT OF CREDIT SUBSCRIPTIONS - A system and method of managing credit subscriptions corresponding to a customer are disclosed. The credit subscriptions may include quantities of one or more credits with predetermined validity durations. The credit subscriptions may be active for a subscription lifetime, and the credits may be redeemable in a variable value transaction involving a piece of media content. Managing a credit subscription may include receiving a subscription management message, translating a subscription package code to a quantity of credits, creating or renewing the credit subscription with the quantity of credits, modifying the credit subscription, or deleting the credit subscription. The subscription management message may include a customer number, a subscription package code, and a subscription lifetime specification. Credits and credit subscriptions may be created as a one-time issuance or may be automatically renewed on a periodic basis. | 01-29-2015 |
20150039492 | CHANGE ON CARD METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable intelligent management and implementation of travel policies, elite cardholder benefits, or vendor offers related to expenses incurred on a payment card. | 02-05-2015 |
20150039493 | INTELLIGENT BUSINESS MANAGEMENT PLATFORM METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to enable intelligent management and implementation of travel policies, elite cardholder benefits, or vendor offers related to expenses incurred on a payment card. | 02-05-2015 |
20150039494 | PAIRED WEARABLE PAYMENT DEVICE - The present invention relates to an electronic device | 02-05-2015 |
20150039495 | STORAGE BATTERY CONTROL METHOD AND STORAGE BATTERY CONTROL SYSTEM - A storage battery control method used by a control device controlling a storage battery prepared for a plurality of consumers, and involves detecting an amount of power used by each of the consumers per unit time, making a judgement regarding whether or not the amount of power used by one or more of the consumers exceeds a threshold determined in advance, and when the judgement finds that the amount of power used by the consumers exceeds the threshold, supplying electric power from the storage battery to a distribution system to which the one or more consumers belong. | 02-05-2015 |
20150039496 | DIGITAL CURRENCY DISTRIBUTION SYSTEM WITH ACOUSTIC TRIGGERS - A system and method are disclosed to determine an action to be taken for currency delivery to a client. The method provides for the triggering and delivery of digital currency from television sets and audio devices to mobile devices by way of acoustic triggers, which are inaudible and/or indiscernible to the human ear. The acoustic triggers use a method of encoding an identifying data sequence into digital information, convert the digital information into analog audio pattern, transmit the pattern with loud speakers, receive the audio pattern with a microphone, convert the analog audio pattern into digital information, decode the digital information back to an identifying data sequence. The identifying sequence is then authenticate and validated with a server which associates the sequence with currency that can be redeemed at retail point-of-sale terminals or online and used to purchase goods and services. The different frequency sets that are present in these inaudible tones can be assigned monetary values that can be transferred between any two devices so long as the emitting device has a speaker and the receiving device has a microphone. | 02-05-2015 |
20150046319 | PAYMENT IDENTIFICATION CODE AND PAYMENT SYSTEM USING THE SAME - A method for effecting electronic payment, safeguarding banking and account information, while utilizing existing payment systems. The method comprises generating a system routing number and a payment identification code (PIC) relating to the beneficiary's account information, distributing payment identification codes to the existing payment system and financial institutions owning the account related to the payment identification codes, and the originator receiving a system routing number and the beneficiary's PIC number. The method also includes the originator communicating a payment instruction to a financial institution of the originator, wherein the payment instruction includes the system routing number beneficiary's payment identification code, the originator's financial institution receiving the payment instruction from the originator, wherein if the received PIC matches the originator's financial institution internal list of PICs, the originator's financial institution performs an “on us” transaction, and transmitting a payment instruction to an existing payment system in a case where the received PIC does not match originator's financial institution internal list of PICs. The method also includes the existing payment system validating the received PIC, wherein if the PIC is invalid, the payment instruction is returned to the originator's financial institution, converting the PIC and system routing number to a receiving payment instruction in a case where the PIC is a valid PIC, wherein the receiving payment instruction includes the beneficiary's financial institution's routing number and the beneficiary's account number. The existing payment system transmits the receiving payment instruction to a financial institution of the beneficiary, that financial institution credits the beneficiary's account if no problem exists, and otherwise returns a receiving payment instruction to the existing payment system. Upon receipt of the returned receiving payment instruction, the existing payment system translates the receiving payment instruction into the payment instruction prior to transmitting the payment instruction back to originator's financial institution. | 02-12-2015 |
20150052043 | Method and System for Allocating Charitable Contribution Based Upon Credit and Debit Card Discount Fees - The computerized method/system allocates charitable contributions based upon credit/debit card discount fees selected by a vendor. An intermediary payment processor (IPP) permits the vendor to select fees/rates and charity. The IPP either (a) calculates an estimated charitable contribution based upon vendor's sales or (b) permits the vendor to select the charity's allocated rate. When the credit/debit card is processed, an allocated portion of the discount fees from each card transaction is delivered to the IPP's bank (which may be an escrow in the card processor's bank). The IPP bank pays this allocation periodically to the charity and the bank reports payments to the IPP, which in turn reports, via the web-portal, to the vendor. The vendor can make prospective changes. The system includes a rate selector, an input module, a charitable contribution calculator, a vendor's report display module, a transaction payment monitor, and a payment module for the charitable fee. | 02-19-2015 |
20150052044 | One View/Transaction Monitoring - A system for monitoring one or more transactions includes a memory, which stores first metadata, second metadata, and third metadata, communicatively coupled to one or more processors. The one or more processors receive the first metadata from a first transaction processing system, the second metadata from a second transaction processing system, and the third metadata from a third transaction processing system and determine attributes from each of the first, second, and third metadata. Each of the first, second, and third metadata are associated with a task performed by the first, second, and third transaction processing systems, respectively. The one or more processors associate the first metadata with a first transaction. The one or more processors then determine that none of the attributes from the second metadata are the same as any of the attributes from the first metadata and then associate the second metadata with a second transaction. The one or more processors then determine that at least one of the attributes from the third metadata is the same as at least one of more attributes from the first metadata and associate the third metadata with the first transaction. | 02-19-2015 |
20150052045 | SYSTEMS AND METHODS FOR INSTANT FUNDING OF FINANCIAL SERVICE PRODUCTS - Systems and methods are disclosed for opening new accounts, immediately funding those accounts, and supplying users with funded debit cards within a single visit. According to disclosed embodiments, a financial services kiosk or a combination of financial services systems is configured to open a new account, transfer funds to the new account via a modified withdrawal, a modified debit purchase, a real-time network transfer, and/or an immediate ACH transfer, and print an active debit card for the user without the typical delay of several days or weeks between the opening of the account, the funding of the account, and the issuance of a debit card. | 02-19-2015 |
20150052046 | METHOD AND SYSTEM FOR A WIRELESS UNIVERSAL MOBILE PRODUCT INTERFACE - The present invention provides a solution to the needs described above through a system and method for a wireless universal mobile product interface (WUMPI). Generally, products/objects have their own interface, or man-machine-interface (MMI). Technically, the wireless universal mobile product interface of the present invention (WUMPI) innovates this space by replacing the product's MMI by implementing reverse software control via wireless transmission channel and or Bluetooth wireless technologies to control the mobile device's screen—replacing the local software component on the mobile device which controls what is shown on the screen in terms of a man-machine interface (MMI). This enables a product/object within the area of the mobile device to take over control via the wireless transmission channel or other wireless capability of the mobile device and to “extend” the product interface to the mobile device that came within its control range, or the product/object's personal area network (PAN). | 02-19-2015 |
20150058198 | System and Method for Domain Name Currency - A system and methods for creating and administering a domain name-based currency, wherein a domain name has an associated currency value for use as a value store and exchange medium. | 02-26-2015 |
20150058199 | COMPUTER IMPLEMENTED METHOD FOR MANAGEMENT OF STANDING ORDERS - A computer-implemented method for management of a standing order, the method comprising the steps of defining a standing order with a default amount; accepting a request to modify the amount of an upcoming standing order iteration; allowing to change the default amount of the standing order to a new amount; executing the identified upcoming iteration of the standing order with the new modified amount. A system implementing the method is also disclosed. | 02-26-2015 |
20150058200 | ARCHITECTURE OF SIMPLIFIED HARDWARE REQUIREMENTS FOR BANK CARD PAYMENT TRANSACTIONS IN A LARGE GROUP OF CLIENTS, TRANSACTION TERMINAL UNIT, EXTENDED FUNCTION SIM CARD, AND METHODS FOR INDIVIDUALISATION AND PERFORMING TRANSACTION - Architecture of simplified hardware requirements for bank card payment transactions in a large group of clients, in which each client have an extended function SIM card containing payment utility and regular bank card identification information. A mobil pay center ( | 02-26-2015 |
20150058201 | ELECTRONIC BOOK STREAMING SERVICE - In one example embodiment, a server includes a content transmitter configured to transmit e-book content to an end device that displays e-book content; a compiler configured to analyze e-book reading patterns on the end device; a session manager configured to: divide the e-book content into a plurality of reading sessions, and determine a stopping point for a current one of the reading sessions, based on past reading pattern data included in the reading patterns of the end device; and a charge manager configured to charge a fee for the current reading session, when the current reading session reaches the determined stopping point. | 02-26-2015 |
20150058202 | SYSTEM AND METHOD FOR TRACKING AND CONTROLLING OWNERSHIP OF DIGITAL WORKS AND REWARDING AUTHORS, ARTISTS AND/OR THEIR REPRESENTATIVES OVER TIME - The present invention generally relates to systems and methods for tracking digital works and compensating authors thereof. Specifically, this invention relates to systems and methods for tracking and controlling ownership of digital works (e.g., images, video, sound, code, written works) and the compensation of the authors/artists of such digital works throughout the lifespan of the digital work. Preferred embodiments of the present invention utilize security code keys to manage and track the digital works while a centralized or distributed computerized system manages compensation of the author/artist based on current value or transaction value of the related digital work. | 02-26-2015 |
20150058203 | SYSTEMS AND METHODS FOR PAYMENT AUTHORIZATION USING FULL-DUPLEX COMMUNICATION FROM BROWSER - Systems and methods are disclosed for the use of a browser with full-duplex communication capability to securely connect the browser with a payment processing gateway for a buyer to authorize payment processing for purchases made on a webpage of a merchant. The browser may implement the full-duplex communication channels using the WebSocket Protocol to establish a secure cross-domain connection between the browser and the payment processing gateway. A buyer may place an order and enter payment information on the webpage. The browser may transmit the payment information to the payment processing gateway for payment processing. The full-duplex connection allows the payment processing gateway to return transaction data to the browser for display on the same webpage after the payment is authorized. Buyer experience is improved, the checkout flow is streamlined, and integration of the payment authorization process into the checkout flow of the merchant is simplified. | 02-26-2015 |
20150058204 | SYSTEMS AND METHODS FOR USAGE REPLENISHMENT - Provided are dermatological medical devices and methods comprising a distal end for positioning at a region proximal a target therapeutic region of tissue, an output port at the distal end, an energy source that generates optical energy, which is output from the output port to the target therapeutic region of tissue, and a microcontroller that processes replenishment data that controls an operation parameter of the device. The device is activated for performing a treatment operation in response to a receipt and processing of the replenishment data. | 02-26-2015 |
20150058205 | METHOD AND APPARATUS FOR INCREASING SECURITY OF AN ELECTRONIC PAYMENT - Methods and apparatus for increasing security of an electronic payment are provided. By monitoring that an application program used for the electronic payment starts running in a terminal apparatus, whether another currently-running program in the terminal apparatus has a keyword existed in a pre-set security-threat program listing is checked. The another currently-running program having the keyword existed in the pre-set security-threat program listing is then terminated. An exemplary apparatus can include a monitoring module, a keyword checking module, and/or a first processing module. | 02-26-2015 |
20150058206 | CUSTOMER-SELECTED PAYMENT CLEARINGHOUSE - Embodiments of the invention relate to systems, methods, and computer program products that provide for a customer-selected payment clearinghouse that allows financial institution customers to select which account or accounts to assign/re-assign to a particular payment transaction, concurrent with the transaction or for a predetermined period of time after the transaction has occurred. As such, the present invention allows the customer to assess payment account alternatives after the transaction has occurred and to make informed payment account decisions after the transaction has occurred. In addition, the present invention allows the customer to readily distribute payment across more that one payment account. In specific embodiments of the invention, the financial institution may provide optimal payment account recommendations that maximize one or more customer payment concerns. | 02-26-2015 |
20150066741 | METHOD AND SYSTEM FOR PAYMENT DISTRIBUTION FOR CONSIGNED ITEMS - A method for distributing payment for a consigned item includes receiving a notification of a purchase of the consigned item, identifying a consignor of the consigned item purchased, obtaining a sales fee agreement of the consigned item, calculating, using the sales fee agreement by a computer processor, a consignor fee from the purchase using the sales fee agreement, calculating, using the sales fee agreement by the computer processor, a consignee fee from the purchase, crediting a consignor financial account for the purchase with the consignor fee, and crediting a consignee financial account for the purchase with the consignee fee. | 03-05-2015 |
20150066742 | PAYMENT APPLICATION WITH MERCHANT PHYSICAL LOCATION PERSONALIZATION - Systems and methods for providing a payment application personalized for a merchant physical location include receiving a first customer location from a first customer device that is running a payment application. A first merchant physical location is then determined to be associated with the first customer location and, in response, first merchant physical location personalization information is retrieved. The first merchant physical location personalization information is then provided for display as a user interface on at least one personalized merchant physical location screen that is provided on the first customer device using the payment application. The at least one personalized merchant physical location screen is configured to send an instruction to the payment application provider device to make a payment from a first customer account associated with the first customer to a first merchant account associated with the first merchant physical location. | 03-05-2015 |
20150066743 | SYSTEM AND METHOD FOR SOCIALLY CONNECTING PAYMENT CARD HOLDERS - A method for socially connecting payment card holders is provided. The method involves providing one or more databases configured to store payment card holder information including at least purchasing and payment activities attributable to the payment card holders; providing one or more databases configured to store payment card holder profiles; generating the payment card holder profiles based on the payment card holder information; providing the payment card holder profiles to payment card holders that have been granted access to the one or more databases configured to store the payment card holder profiles; and effecting targeted interaction between the payment card holders based at least in part on the payment card holder profiles. A system for socially connecting payment card holders is also provided. | 03-05-2015 |
20150066744 | Apparatus and Method for Geolocation Based Content Delivery Fee Computation - A computer implemented method includes receiving from a client device a request for content. A geolocation for the client device is identified. The delivery of the content to the client device is metered to form a metered content value. License terms for consumption of the content at the geolocation are identified. A licensing fee is computed based upon the metered content value and the license terms for consumption of the content at the geolocation. | 03-05-2015 |
20150066745 | PAYMENT RELAY SYSTEM AND METHOD - A payment relay system according to the present disclosure may allow even a PG server, which is unable to access (use) account information or card information, to process a payment for a cost and a wire transfer by using a key value of an online ID, which substitutes for a bank account or a credit card, and is configured in a form of file or by a combination of numbers and characters. Also, the payment relay system can also minimize a separate change or the demand on devices for processing such payment manner. | 03-05-2015 |
20150066746 | PAYMENT APPLICATION WITH MERCHANT PHYSICAL LOCATION PERSONALIZATION - Systems and methods for providing a payment application personalized for a merchant physical location include receiving a first customer location from a first customer device that is running a payment application. A first merchant physical location is then determined to be associated with the first customer location and, in response, first merchant physical location personalization information is retrieved. The first merchant physical location personalization information is then provided for display as a user interface on at least one personalized merchant physical location screen that is provided on the first customer device using the payment application. The at least one personalized merchant physical location screen is configured to send an instruction to the payment application provider device to make a payment from a first customer account associated with the first customer to a first merchant account associated with the first merchant physical location. | 03-05-2015 |
20150066747 | PATENT LIFE CYCLE MANAGEMENT SYSTEM - A method and system are provided for managing the cost and quality of international patent applications over the life cycle of such applications. The method and system have various process circuitries that generate instructions for administrative and technical tasks and generate communications between a controlling agent and both an administrative patent agent and a technical agent. | 03-05-2015 |
20150066748 | SYSTEMS AND METHODS FOR TRANSFERRING VALUE TO AND MANAGING USER SELECTED ACCOUNTS - Disclosed are the methods and systems for transferring value from a first account to a second account via a consumer device. The methods may be consumer or merchant driven and may involve transferring value to peers, oneself, or a third party account holder with or without the creation of a user account. Based on information input by a user, various financial systems interact in a manner that results in creation of an escrow account and effectuates transfer of value from a funding account through that escrow account to a receiving account. Such novel methods allow for previously unavailable transfers of value. | 03-05-2015 |
20150066749 | Method and System for Third Party Brokered Authentication of Reciprocity of Interest - A device-implemented method and multi-component system are described. The method and system enable the selection of a charity to receive donations from persons interested in one another, and further enables a subject who is the target of interest from an initiating party to confirm the sincerity of the initiating party by third party brokered transactions that quantitatively demonstrate the substantive interest of the initiator. The initiator is also able to confirm the genuine interest by his or her target recipient in that the initiator and the recipient can set minimum donation level thresholds that must be met before their identities are confirmed. | 03-05-2015 |
20150066750 | Payments Perfection and Processing System - Data associated with a payment may be perfected before additional processing. An image file is received during a first time period, and a processor determines, during the first time period, data associated with the image file. The processor automatically determines, during the first time period, one or more exceptions associated with the data by evaluating if the data meets one or more exception rules. The processor performs, during the first time period, one or more data perfection procedures triggered by the one or more exceptions to obtain perfected data. The processor sends, during the first time period, the perfected data to a posting application. | 03-05-2015 |
20150066751 | Financial Transaction Error Detection - A system and method for receiving transaction data and identifying errors within the transaction data is provided. The transaction data may be received at a transaction data processing system and transactions having errors associated with them may be identified. In some arrangements, the identified transactions may be edited or manipulated, for instance, by a user. In some examples, an error type may be associated with the identified transactions. The identified transactions may be transmitted to a transaction error resolution system for resolution of the error and/or adjustment. | 03-05-2015 |
20150073979 | MULTIPLE-ENTITY TRANSACTION SYSTEMS AND METHODS - Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include determining a default service fee charged for the funds transfer by a funds-transfer company of a subset of the plurality of different funds-transfer companies. The method may additionally include transmitting to at least one funds-transfer company of the subset of the plurality of different funds-transfer companies details of the funds transfer, where the details of the funds-transfer comprises the default service fee. The method may furthermore include transmitting an identification of the subset of the plurality of different funds-transfer companies, each of which is capable of completing the funds transfer in accordance with the defined parameters, the subset including at least two of the plurality of different funds-transfer companies. | 03-12-2015 |
20150073980 | BLUETOOTH LOW ENERGY (BLE) PRE-CHECK IN - One or more Bluetooth® low energy (BLE) beacons in communication with a remote server that provides check in capabilities and payment capabilities may be installed at a location. The BLE beacons may connect with a user's mobile device when the user enters the location and allow the user to check in to the location and authorize payments to be made at the location. Once the user is checked in to the location, the user may be provided with additional functionality, benefits, offers, and applications related to the location and facilitated by the check in. Further, the user may be pre-checked in into a next location when the user is at a current location. | 03-12-2015 |
20150073981 | DATA BREACH DETECTION - A merchant data breach process comprises processing daily payment transaction data with a risk and compliance platform to obtain a fraud score for each constituent transaction. Constituent transactions with high risk fraud scores are sorted into a table according to the transaction date, cardholder, and merchant. The table data is scored according to suspected card visits, highly probable visits, and all card visits. The scores are normalized according to merchant size grouping through the use of multipliers. The normalized scores are summed together day-by-day into a final score. A timely warning of an underlying and expanding security rupture caused by a merchant data breach is issued for damage control and law enforcement. | 03-12-2015 |
20150081523 | ANALYTICS DRIVEN ASSESSMENT OF TRANSACTIONAL RISK DAILY LIMITS - Embodiments relate to analytics driven assessment of transactional risk daily limits (TRDLs). Customer data that includes historical transaction data and customer profile data associated with a customer is accessed by a processor. Economic data from an external data source is accessed via a network. A TRDL assessment model is applied, by a processor, to the customer data and the economic data to generate a TRDL for the customer. | 03-19-2015 |
20150081524 | ANALYTICS DRIVEN ASSESSMENT OF TRANSACTIONAL RISK DAILY LIMIT EXCEPTIONS - Embodiments relate to analytics driven assessment of transactional risk daily limit (TRDL) exceptions. A transaction that includes a request to make a payment from an account associated with a customer is received and it is determined that processing the payment will result in exceeding a TRDL. Customer data including historical transaction data and customer profile data associated with the customer is accessed by a processor. Economic data from an external data source is accessed via a network from an external data source. A TRDL exception assessment model is applied, by the processor, to the transaction, the customer data, and the economic data to generate an approval recommendation for the request and a confidence level associated with the approval recommendation. | 03-19-2015 |
20150081525 | EXPIRING BALANCE FOR SPENDING OR PASSING ALONG TO A FRIEND - An expiring balance may be provided to a user account that the user can spend or pass along to a friend. The user may be given a limited time in which to spend the expiring balance after which the balance will not be available to the user. When the user decides to pass the balance along to a friend, an expiration time associated with the expiring balance may be reset. The expiring balance may be redeemed at participating locations and, if a location is not participating, the user may be able to notify an entity providing the expiring balance of the non-participation. | 03-19-2015 |
20150081526 | PAYROLL RECEIPT USING A TRUSTEE ACCOUNT SYSTEMS AND METHODS - A payroll receiving and accessing system includes an enrollment kit. The kit includes activation instructions and an enrollment form for assigning an account identifier that identifies an account for receiving payroll funds due an employee. The system also includes an account activation system programmed to receive an activation request by the employee to activate the account, provide to the employee disbursement options including at least receiving payroll funds by negotiable instrument and receiving payroll funds by presentation instrument, receive from the employee a selection from among the disbursement options, and establish the selection. The system also includes a trustee account for the benefit of the employee for receiving the payroll funds due the employee and a system configured to disburse the funds to the employee in accordance with the selection. | 03-19-2015 |
20150081527 | METHOD AND SYSTEM FOR PROVIDING ONLINE SERVICES AND SOFTWARE - A method and system provides online software and services via prepaid scratchcards. Users may pay for online software and services with prepaid scratchcards. For example, online services may include accounting, legal, and auditing services. For example, online software may include productivity and business software. For example, online services and software may be provided on a subscription basis. Use of scratchcards may improve availability of software and services to more users, protect user security, and facilitate gifting between users. | 03-19-2015 |
20150081528 | Method and System for Providing Energy Creation Service of Turbine Generator - The present invention provides a method and a system for providing an energy creation service of a turbine generator. The users can receive a desired energy creation service without any initial investment and the providers of the service can expect sufficient profits. The method includes the steps of installing a new turbine generator for a user owning a power-generating facility having a turbine generator; obtaining power generation efficiency of the new turbine generator by a monitoring device; comparing the power generation efficiency of the new turbine generator and power generation efficiency of a turbine generator predetermined as a standard, by a computing device; performing a charging process for an excess of the power generation efficiency of the new turbine generator over the power generation efficiency of the standard turbine generator, by a processing device; and charging the user for a price reflecting the excess of the power generation efficiency. | 03-19-2015 |
20150081529 | METHOD OF MANAGING ONLINE REWARD CONTENT - A method of managing an online reward content according to on/off-line activities performed by a user, provides a method of managing and editing the issued online reward content and a rewards album, exchanging the obtained online reward content into digital money usable in a digital content store server, purchasing contents, or exchanging for another content with another user, and therefore, provides convenience to the user for managing online content. | 03-19-2015 |
20150081530 | IMAGE FORMING APPARATUS CAPABLE OF EXECUTING PRINT PROCESSING BASED ON INPUT IMAGE DATA, INFORMATION PROCESSING METHOD, AND STORAGE MEDIUM - An image forming apparatus including an obtaining unit configured to obtain from a device on which electronic money is recorded, identification information for identifying the device and electronic money information, a deduction unit configured to deduct an amount required for executing a print process based on the electronic money information, a storage unit configured to store balance information that indicates a balance relating to the print process by associating the balance information with the identification information, and a refund unit configured to refund the balance indicated by the balance information associated with the identification information in response to the identification information obtained by the obtaining unit for a different print process. | 03-19-2015 |
20150081531 | PROVIDING FINANCIAL TRANSACTION DATA TO A USER - The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool. The disclosure also extends to computer-implemented personal financial management tools, methods and systems for receiving core data, which may include transaction data, from a financial or banking institution and processing the data by cleansing the data, automatically categorizing the data, classifying the data, and then sending that processed data back to the financial or banking institution. The disclosure also extends to receiving and sending such data to and from the financial or banking institution in real-time. | 03-19-2015 |
20150081532 | VENUE WI-FI DIRECT SYSTEM - The embodiments disclose a method including providing venue specific localized WI-FI user mobile venue related services in a covered venue area, installing in a densely populated covered venue area technology capabilities capable of handling a number of users in real time and a number of services in real-time, and using localized WI-FI user mobile applications to provide venue related services. | 03-19-2015 |
20150081533 | Gift Card E-Bank - Disclosed herein are method, system and computer-readable storage media for gift card e-banking. This is a unique platform, where people can deposit and withdraw gift cards of any store, of any denomination, at any time and at any place from the bank. Gift cards are converted into virtual money not affiliated with any store. Unlike traditional banking system majority of transactions are in the form of gift cards. Customers have two types of accounts, gift card money account and fixed account. The gift cards deposited in the bank account are available to all the customers. Cards deposited in the fixed account are only available to the customer who owns that account. Customer may transfer gift card/virtual money from one account to another account. Gift card e-bank also issues its own gift card known as “one gift card”, which facilitates customers to use any gift card at any store. | 03-19-2015 |
20150088729 | ONLINE PROPERTY RESERVATION SERVICE PROVIDER FOR RESERVING PROPERTIES FOR LEASE - Provided are a computer program product, system, and method for an online property reservation service provider to reserve properties for lease. A computer implemented property reservation service database stores information on rental properties, a hold amount, a cancellation period and an authorization hold period defined for an authorization hold, wherein the authorization hold period is greater than the cancellation period and runs following the cancellation period. A reservation request is received from the renter computer for a reserved property comprising one of the properties and information on a renter financial account. At least one online electronic transaction is initiated to place an authorization hold of the hold amount on the renter financial account for the reserved property in response to the reservation request, wherein the authorization hold maintains the hold amount as unavailable in the renter financial account. | 03-26-2015 |
20150088730 | INBOUND INTEGRATED PRODUCTION MESSAGES TRANSACTION FILE SPLITTER - A payment card transaction clearing system includes a payment card network. A file distribution system coupled to the payment card network includes a split processor configured to receive a batch of payment card transaction records from the payment card network, and split the batch of payment card transactions into one or more split files according to one or more processing agreements. A split monitor processor is configured to send the one or more split files to the payment card network. | 03-26-2015 |
20150088731 | KIOSK MANAGEMENT SYSTEM - A kiosk management system may identify items with which to pre-stock a plurality of geographically distributed kiosks. The identified items may be delivered from a distribution center to one or more distribution agents, who then deliver the identified items to individual kiosks. When the kiosk management system receives a request for an item from a consumer who has been browsing items in, e.g., an electronic marketplace, the kiosk management system can determine whether the requested item is available at any kiosks in proximity of the consumer and provide a list of such kiosks to the consumer for selection. Following selection of a kiosk by the consumer, the kiosk management system can send the consumer a notification identifying the designated kiosk and including a generated code for use by the consumer in retrieving of the requested item from the designated kiosk. | 03-26-2015 |
20150088732 | Integrated Electronic Disbursement and Cash Flow Management System and Method - A system and method are provided for managing electronic disbursements transferred from a business client of a financial institution to customers of the business client. The system includes a disbursement instruction processor receiving a disbursement instruction over a network from a business client system, the disbursement instruction processor processing the instruction and performing multiple steps. The steps include using a customer identifier to determine available payment channels for the customer and selecting an electronic payment channel when available payment channels include an electronic payment channel. An electronic disbursement notification is forwarded to the customer. A confirmation may be provided upon acceptance of the disbursement through the disbursement notification | 03-26-2015 |
20150088733 | SYSTEM AND METHOD FOR ENSURING SAFETY OF ONLINE TRANSACTIONS - Online transaction security is improved by detecting a start of an online financial transaction between a user-controlled online transaction application and a remote payment service. A protected data input module, a protected environment module, and a safe data transfer module each provides a corresponding set of protection operations. A risk level of conducting the financial transaction is assessed based on a vulnerability assessment and on present condition of the local computing system. An initial degree of protection for each of the modules is set, and subsequently adjusted based on the risk level. | 03-26-2015 |
20150095213 | SYSTEM AND METHOD FOR REMOTE PRODUCTION OF FINANCIAL INSTRUMENTS - Financial instruments are produced at a remote location by a 3D printer. In one embodiment, a request is made for a financial instrument, such as a prepaid gift instrument, by user system(s) at the remote location(s). The user system(s) may be at one or more of a retailer location, a money transfer agent location, or an instrument holder or recipient location (such as at an instrument holder/recipient's residence). An instrument issuer may transmit a print file to a user system which may in turn provide the print file to the 3D printer in order to produce the instrument. At least of a portion of the print file may be rendered unusable at the user system after being provided to or used by the 3D printer, in order to prevent use of the print file to produce unauthorized copies of the instrument. | 04-02-2015 |
20150095214 | ELECTRONIC GIFTING PROCESS AND APPARATUS - A computer-implemented method of purchasing an item and transmitting a message to a recipient of the item is presented. The method entails receiving location data about where the item can be picked up, obtaining a recipient address, receiving personal content for the recipient, and combining the location data with the personal content to create an electronic data package. The personal content may include one or more of an image, a written message, an audio segment, and a video segment. The electronic data package is transmitted to the recipient address. Optionally, the data in the data package (other than the location data) may be customized such that it is disclosed to a recipient at a pre-specified physical location. | 04-02-2015 |
20150095215 | SYSTEMS AND METHODS FOR RESCUING PURCHASE TRANSACTIONS - Provided herein are techniques for rescuing a commercial transaction identified as suspect, possibly based on suspicion of fraud or due to the risk associated with the commercial transaction. Various implementations include systems and methods that can rescue a purchase transaction involving a purchasing party (hereafter, a “purchaser”) and a selling party (hereafter, a merchant”). The item or items being purchased in the purchase transaction can include goods, a services, or property interests (e.g., real, intellectual, or otherwise). Particular implementations can facilitate the rescuing of a purchase transaction that has been declined, canceled or suspended (e.g., pending further review) by an involved party (e.g., the selling party) based on that party's concern (e.g., fraud or high risk) with respect to the purchase transaction. | 04-02-2015 |
20150095216 | METHODS AND SYSTEMS FOR DETERMINING AND PROVIDING NEGATIVE EVENT NOTIFICATIONS - The disclosed embodiments include systems and methods for determining and providing notifications of negative events. The disclosed embodiments include, for example, a computer-implemented method for determining negative events. The method may include collecting, by one or more processors, prior financial transaction information associated with a user. The method may also include determining a transaction pattern associated with the user based on the collected financial transaction information. In another aspect, the method may include determining a negative event reflecting a deviation from the transaction pattern associated with the user, the deviation being a nonoccurrence of an expected financial transaction consistent with the transaction pattern. The method may also include providing a notification identifying the deviation. | 04-02-2015 |
20150095217 | System and Method for Detecting Prepaid Internet Connection and a Charging Mechanism for Same - A system for detecting and charging for internet connection provided to a computer device, the computer device configured to detect any internet connection available comprising an internet access adjustment facilitator arranged to receive requests for prepaid internet connection access from the computer device; and capable of facilitating the linking of the computer device to a designated prepaid internet account for purposes of charging; wherein upon detection by the software that the internet connection is a prepaid internet connection, access and caching of any Internet content will be chargeable to a designated prepaid internet account from the at least one prepaid internet account; and upon detecting that the internet connection is any other type of internet connection, the computer device caches any Internet content accessed by the user for synchronization with other computer devices in the system linked to the designated prepaid account. | 04-02-2015 |
20150095218 | FACILITATING ACCESS TO AN ELECTRIC VEHICLE CHARGING NETWORK - A system and method for facilitating access to an electric vehicle charging network is described. In some embodiments, the system provides an interface via which an electric vehicle may access and/or be authorized to one of multiple, disparate charging networks. | 04-02-2015 |
20150095219 | INITIATION OF ONLINE PAYMENTS USING AN ELECTRONIC DEVICE IDENTIFIER - Systems, methods, and computer-readable media for conducting payments are provided. In one example embodiment, a commercial entity system, in communication with a merchant subsystem and a payment electronic device, includes at least one processor component, at least one memory component, and at least one communications component, wherein the commercial entity system is configured to receive transaction request data from the merchant subsystem, wherein the transaction request data includes a payment device identifier of the payment electronic device and transaction information related to a transaction, transmit payment request data to the payment electronic device, wherein the payment request data includes at least a portion of the transaction information of the received transaction request data, receive payment card data from the payment electronic device based on the transmitted payment request data, and transmit at least a portion of the received payment card data to the merchant subsystem. Additional embodiments are also provided. | 04-02-2015 |
20150095220 | METHOD AND APPARATUS FOR TRANSACTION PROCESSING - Embodiments of the present invention disclose a method and an apparatus for transaction processing. The method includes: receiving a transaction request, determining, when it is determined that a real-time account book is undergoing compute-intensive transaction processing, whether an account record of an account on which a transaction is to be performed exists in a temporary account book, and if yes, processing the transaction request based on the account record, and updating the account record in the temporary account book according to a processing result, and if no, reading the account record from the real-time account book, processing the transaction request based on the account record, and recording, in the temporary account book, the updated account record according to a processing result; and updating, after the transaction processing is complete, the real-time account book according to the temporary account book, and deleting the account record after the updating. | 04-02-2015 |
20150100476 | COMPUTER-BASED METHOD FOR MAKING AN IN-GAME PURCHASE FROM AN INDEPENDENT ELECTRONIC DATA PROCESSING UNIT - A computer-based method for making an in-game purchase from an independent electronic data processing unit. The computer-based method may comprise the steps of: providing a server application configured to run on a server, a first application configured to run on a first electronic data processing unit, and a second application configured to run on a second electronic data processing unit. The first application and the second application may be configured to access the server application online. The first electronic data processing unit may be configured to allow a user to play an online game. The second application preferably allows the user to purchase an in-game feature for the first application by making one or more payments in the second application, and the user preferably sends a payment through the second application. The server application preferably receives the payment from the user, and the second application may be an in-game payment application. | 04-09-2015 |
20150100477 | SYSTEMS AND METHODS FOR PROVIDING TOKENIZED TRANSACTION ACCOUNTS - The disclosed embodiments include methods and systems for providing tokenized transaction accounts. In one embodiment, a computer-implemented method is provided that may include generating, by one or more processors, a first tokenized transaction account from a first transaction account associated with a first user. The method may also include providing the first tokenized transaction account to a client device associated with the first user for storage in the client device and use in transactions. The method may also include updating the first tokenized transaction account based on one or more conditions and providing the updated first tokenized transaction account to the client device for storage and use in a subsequent transaction. | 04-09-2015 |
20150100478 | COMMUNICATION DEVICE INTERFACE FOR MONETARY TRANSFERS THROUGH A DISPLAYABLE CONTACT LIST - There is provided systems and method for a communication device interface for monetary transfers through a displayable contact list. A user may import contacts from a contact list application, a social networking service, a user account with a payment provider, and/or another contact source into a communication device, such as a mobile phone. The mobile phone may then execute a monetary transfer module that allows the user to transmit requests for monetary transfers with the contacts. When the user selects a contact in a contact list, the module may retrieve payment account information and initiate a monetary transfer with the selected contact. The monetary transfer may correspond to receiving money or sending money to the contact. Additionally, the user may communicate messages with the request as well as a monetary amount. In order to facilitate completion of the monetary transfer, a payment provider may be utilized. | 04-09-2015 |
20150100479 | SYSTEM FOR MONITORING THE COMPLIANCE RELATIONSHIPS OF BANKING ENTITIES WITH VALIDATION, REROUTING, AND FEE DETERMINATION OF FINANCIAL TRANSACTIONS - A system and method for validating a given wire or financial transaction to determine if the destination bank or any connecting or correspondent banks have a direct or indirect relationship with an illicit entity and, if an illicit relationship is identified, the system attempts to reroute the transaction along a compliant path. Such indirect illicit relationship may be set to require at least two degrees of separation and may be user or bank defined depending on their risk tolerance. The rerouted compliance path may identify multiple paths and rank and prioritize that paths based on risk tolerance, associated fees of the banking touch points, and can automatically approve reroutes or display paths to the user for selection. Further, the system allows banks to set and can then determine any compliance fee splits amongst all entities that may receive a portion of the fee and any adjustments from any rerouted paths. | 04-09-2015 |
20150100480 | CURRENCY RECYCLER - A non-transitory, computer readable storage medium storing a program for processing financial transactions of a retailer at a currency recycler having a housing, a processor located within the housing, and a currency routing assembly disposed within the housing to move currency to at least one stacker, includes the step of processing deposits at the at the currency recycler. The processor further performs the steps of crediting an account of a user for each deposit, processing withdrawals at the currency recycler, and debiting the account of the user for each withdrawal. Still further the processor performs the steps of reconciling all transactions at the currency recycler at an end of day and allowing a user to modify the end of day based on business needs. | 04-09-2015 |
20150106259 | Systems and Methods for Transferring Funds to a Pre-Paid Account - According to the invention, a method for transferring funds from a sender to a pre-paid account to be assigned to a recipient is disclosed. The method may include receiving a request to perform a funds transfer, including an amount and a recipient, and determining whether to approve the request. Upon approval, the method may include selecting a first and second money transfer control number (MTCN). The method may include recording an association of the amount and the recipient with the first MTCN, and an association of the two MTCN's. The method may include sending the second MTCN out and later receiving a request to redeem which includes the second MTCN. The method may include determining the first MTCN based on the second MTCN, and whether to approve the request. Upon approval, an indication may be sent that the amount is available for funding of the pre-paid account of the recipient. | 04-16-2015 |
20150106260 | SYSTEM AND METHODS FOR GLOBAL BOARDING OF MERCHANTS - Systems, apparatuses, and methods for determining if a Merchant should be provided transaction processing services by an Acquirer and/or continue to be provided such services by the Acquirer. In one embodiment, the inventive system and methods permit a more accurate and reliable determination of the risk to an Acquirer presented by a Merchant, based on a risk assessment engine and the described set of data sources. | 04-16-2015 |
20150112855 | Parent and Child Account Relationship - The present disclosure involves enabling a parent and child account relationship. One example method includes identifying a child account associated with a parent account, the parent account including a monetary amount, the child account being different than the parent account; identifying a communication associated with the child account; transferring at least a portion of the monetary amount from the parent account to the child account after identifying the communication associated with the child account; and debiting the portion of the monetary amount in the child account for charges associated with the communication. | 04-23-2015 |
20150112856 | System and Method for Facilitating International Money Transfers - A system for and method for facilitating international money transfers is disclosed. The system includes a database coupled to a web portal wherein potential parties can bid on a monetary exchange between a first and second currency. The system includes a first bank account and a second bank account and a means for transferring the control of funds between parties making deposits in the first and second bank accounts upon the parties agreeing to a transaction. The first and second bank accounts may be in different countries, thereby facilitating an international monetary transaction without the need to move funds between countries. | 04-23-2015 |
20150112857 | ONLINE TRANSACTION SYSTEM WITH PERSONAL MATCHING - Methods, systems, computer-readable media, and apparatuses for an online transaction system with personal matching are presented. In some embodiments, a method includes determining a location of a first user and a second user. The method further includes receiving supplemental data associated the first user and supplemental data associated with the second user. The method additionally includes determining a match between a first user and a second user based at least in part on the determined location and the supplemental data. The method further includes presenting a transaction to at least one of the first user or the second user based at least in part on the determined location and the supplemental data. The method also includes facilitating a payment from at least one of the first user or the second user for the transaction. | 04-23-2015 |
20150112858 | Logistics Methods for Processing Lottery and Contest Tickets with Generic Hardware - A lottery data transfer method for processing lottery ticket data piggybacks on a merchant's existing debit or credit card interchange system. A BIN is assigned to lottery tickets that is unique in the merchant's credit or debit card interchange, the BIN associated with a lottery data blob also provided on the lottery ticket. The lottery BIN and data blob are into the merchant's existing credit or debit card activation barcode protocol to initiate transfer of the lottery data to a central lottery site via the interchange. At a processor within the interchange, the unique lottery BIN is flagged to initiate special routing to and further processing of the lottery data blob at the lottery central site, wherein the lottery data blob is processed outside of the interchange's debit or credit card data transfer and processing procedures. | 04-23-2015 |
20150112859 | WIRELESS MOBILE COMMUNICATOR FOR CONTACTLESS PAYMENT ON ACCOUNT READ FROM REMOVABLE CARD - A wireless mobile communications apparatus reads removable cards and can communicate an account corresponding to the removable card in order to conduct a wireless transaction with a merchant on the account with the wireless mobile communications apparatus. A total currency amount for the transaction, and remaining balance in the account after the transaction, can be displayed on a display screen of the wireless mobile communications apparatus. The removable card can be a gift card bearing a magnetic strip having an identifier for the account encoded thereto that will be read when inserted into the wireless mobile communications apparatus which can be a cellular telephone or Web enabled portable device. The magnetic strip gift card can be substantially composed of paper so as to be intended for disposable after use. | 04-23-2015 |
20150112860 | Contactless Payment Method, Device, and System - The present invention provides a contactless payment method, device, and system. After a mobile terminal having an NFC function receives, from a reading terminal, a selection command including a financial document application identifier, the mobile terminal returns, if it is determined that a supplementary payment application needs to be executed, a PPSE corresponding to the financial document application identifier to the reading terminal, where the PPSE includes a first application identifier that indicates a bank payment application and a second application identifier that indicates a supplementary payment application, and a priority of the second application identifier is higher than a priority of the first application identifier, so that the reading terminal acquires, according to priorities of payment applications in the PPSE, payment information corresponding to the payment applications from the mobile terminal in sequence to complete payment, thereby improving efficiency of contactless payment. | 04-23-2015 |
20150120529 | DOOR ACCESS AND PACKAGE DELIVERY - Systems and techniques are disclosed for receiving a package identification code at a first location, the code corresponding to a delivery package. The package identification code may then be analyzed and a recipient authentication (e.g., a signature, a PIN code, etc.) may be requested from a user. Access to a portal may be granted based on receiving an acceptable recipient authentication code. The portal may be one of a plurality of portals, and may be selected based on the package identification code. | 04-30-2015 |
20150120530 | GUARANTY PROVISIONING VIA SOCIAL NETWORKING - Disclosed herein are example embodiments for guaranty provisioning via social networking. For certain example embodiments, at least one device, such as a server device of a social network: (i) may detect at least one proffered guaranty transaction that is associated with at least one product transaction; or (ii) may proffer at least one guaranty based at least partially on at least one social network data stream. However, claimed subject matter is not limited to any particular described embodiments, implementations, examples, or so forth. | 04-30-2015 |
20150120531 | METHOD AND APPARATUS FOR DISTRIBUTED TRANSACTIONS IN A DATA COMMUNICATION NETWORK - A method and transaction orchestrator node for executing a global transaction in a transaction execution system. The transaction execution system is involving at least one reliable transaction executing instance supporting a reserve/commit protocol and one unreliable transaction executing instance that does not support a reserve/commit protocol. The transaction orchestrator node is receiving a global transaction initiation message involving plural sub transactions for execution by the involved corresponding transaction executing instances and sending a prepare transaction message to involved reliable transaction executing instances for corresponding sub transactions. Upon receiving confirmation of all prepare transaction messages the transaction orchestrator node is sending an execution message to the involved unreliable transaction executing instance for a corresponding sub transaction. If the execution message is successful the transaction orchestrator node is sending a commit prepared transaction to the involved reliable transaction executing instances for the corresponding sub transactions. | 04-30-2015 |
20150120532 | PRE-POSITIONED GUARANTY PROVISIONING - Disclosed herein are example embodiments for pre-positioned guaranty provisioning. For certain example embodiments, at least one device, such as a server device of a pre-positioned data possessor: (i) may discover notice of at least one speculative product transaction via at least one user device of at least one user; or (ii) may signal at least one indication to proffer at least one guaranty for at least one attempted product transaction corresponding to at least one speculative product transaction. However, claimed subject matter is not limited to any particular described embodiments, implementations, examples, or so forth. | 04-30-2015 |
20150120533 | REAL-WORLD PROFILE DATA FOR MAKING VIRTUAL WORLD CONTACTS - A method and system provides arrangements creating a relationship between a real-world entity and a virtual world environment. A virtual world patron can participate in various virtual world activities and transactions. Feedback may be provided and records kept regarding the virtual world activities and transactions. The virtual world patron may be a possible recipient of a real-world consequence or benefit based on a virtual world occurrence. In some instances confirmation of an awarded real-world benefit may be provided via a communication interconnection. Real-world profile data may be used in connection with promotional activities in a virtual world environment. | 04-30-2015 |
20150120534 | SYSTEM AND METHOD FOR CONTROLLING A WIRELESS TRACKING DEVICE ALARM - A wireless tracking device may have a unique identifier that identifies the item to which it is attached, distinguishing that item from the other items in a secured location. A database may contain information regarding the item attached to the wireless tracking device. A store may be a secured location, and an item may be authorized to leave the store when it is sold. A checkout process may include scanning a machine-readable code associated with the wireless tracking device. Once the checkout is complete and the customer has paid for the item, the database may be updated to disable the alarm for the wireless tracking device. Based on the information in the database, a wireless tracking device detector may determine whether or not to generate an alarm when the wireless tracking device is detected leaving the secured location. | 04-30-2015 |
20150120535 | MEDIA DISTRIBUTION SYSTEMS AND METHODS - Systems and methods for media distribution enable consumers to obtain access to media content, for example without financial payment, while content creators and owners simultaneously achieve above-market financial payments for the corresponding media content. Exemplary media distribution systems utilize a “listen to own” model whereby a consumer is provided downloadable access to an item of media content after streaming the content a selected number of times. | 04-30-2015 |
20150120536 | ELECTRONIC PAYMENT AND AUTHENTICATION SYSTEM - The invention relates to electronic currency transactions, facilitated by electronic equivalents of checks and credit/debit cards. The electronic equivalents are encrypted tokens, which are data units suitable for storage in and transfer between participants' data storage devices. The invention provides an electronic payment system having Check- and Card-Issuing Authorities that are coupled to a token-generating server. Electronic checks and credit/debit cards, backed by correspondent Check- and Card-Issuing Authorities, are generated and issued to subscribing customers as issuance tokens. A plurality of token-generating devices are used by participants to generate payment tokens authorized by the issuance tokens, and to perform electronic check and card transactions by exchanging tokens with other participants and participating Financial Institutions. The invention provides methods for authentication and verification of the token data, for maintaining the integrity of the system, and for detecting and preventing counterfeiting and tampering within the system. | 04-30-2015 |
20150127525 | DYE PACH: SYSTEMS AND METHODS FOR ACH FUND TRACKING - When an Automated Clearing House (ACH) fund transaction is deemed to have suspicious nature, the ACH transfer file for the transaction may be marked with a unique key (dye pACH). The unique key may be used to track the transfer paths of funds through a plurality of financial institutions. Thus, the suspicious ACH fund may be tracked through the plurality of financial institutions. Law enforcement entities, such as police or Federal Bureau of Investigation (FBI) may use the unique key to track suspicious fund transfers through a plurality of financial institutions to detect money laundering or fraud activities or obtain high-level understanding of cybercrime organizations. | 05-07-2015 |
20150127526 | METHOD, SYSTEM AND SERVER SYSTEM OF PAYMENT BASED ON A CONVERSATION GROUP - A method and device of requesting and receiving payment in a group chat environment are disclosed. The method includes: displaying a conversation interface of a group chat session for a pre-established conversation group, the pre-established conversation group including a user of the user device and a plurality of other users participating in the pre-established conversation group; providing, in the conversation interface of the group chat session, a control for requesting payment from the pre-established conversation group; detecting an input from the user invoking the control for requesting payment from the pre-established conversation group; and in response to detecting the input from the user, posting a group payment request as a chat message to the group chat session. | 05-07-2015 |
20150127527 | PAYMENT PROCESSING SYSTEM AND METHOD - A computer-implemented method, system, and computer program product for processing a payment comprises: receiving a transaction request from a payee, the transaction request including an identifier of a payor, and identifier of the payee, and a payment amount; prompting the payor to input login credentials for a payor-identified funding institution; receiving the login credentials from the payor; transmitting the login credentials to the funding institution; receiving, from the funding institution, information regarding one or more accounts at the funding institution linked to the payor; prompting the payor to select an account; and generating a fund transfer request to instruct a financial clearing house to transfer funds in the amount of the payment amount from the selected account to a receiving account associated with the payee. | 05-07-2015 |
20150127528 | SYSTEM FOR CONNECTING USERS AND METHOD THEREOF - A method of connecting users is disclosed. A method may include creating a plurality of user accounts, each of the user accounts corresponding to one of the plurality of users, and having a plurality of uploadable features including a first feature permitting the user to upload at least one advertisable characteristic to a user account, forming a user network including one or more of the plurality of user accounts in communication with one or more other user accounts, identifying each of the plurality of user accounts containing the at least one advertisable characteristic, linking each of the plurality of user accounts containing the at least one advertisable characteristic, and notifying each of the plurality of user accounts containing the at least one advertisable characteristic of the identity of the other of the plurality of user accounts containing the at least one advertisable characteristic. | 05-07-2015 |
20150127529 | METHODS AND SYSTEMS FOR MOBILE PAYMENT APPLICATION SELECTION AND MANAGEMENT USING AN APPLICATION LINKER - An application linker system that manages a plurality of application identifiers associated with a plurality of payment applications present on a device is disclosed. The application linker may manage relationships between application identifiers and payment applications that are provisioned for secure storage on a device. For example, a transaction can be conducted between a portable communication device and an access device. The method includes receiving a request for available payment applications located on the portable communication device from the access device, determining application identifiers associated with payment applications on the device, and sending a list of available payment applications including the application identifiers to the access device. The payment applications store payment information associated with one or more consumer accounts. One of the application identifiers is associated with two or more payment applications. | 05-07-2015 |
20150127530 | ROTATING ACCOUNTS FOR TRANSFERS - A system and method may create a user interface where a first account may be lined up in relation to a second account and a transfer may move value from the first account to the second account. | 05-07-2015 |
20150134507 | ELECTRONIC DOCUMENTS FOR PERSON TO PERSON PAYMENT - System, method, and computer program product are provided for a user to send and receive P2P payments using a mobile device. Through the use of the mobile device, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. Electronic document(s) may be communicated in conjunction with a payment and/or request for payment between financial institutions. For example, a sending financial institution may send a payment having a document or pointer to a document that provides an explanation of a payment or disbursement. The sender may send funds to a recipient along with a pointer or may simply send a pointer and upload a document that is stored at a location identified by the pointer. The document may be an invoice remittance, explanation of payment/reimbursement and/or explanation of benefits. | 05-14-2015 |
20150134508 | EXPEDITED PERSON TO PERSON PAYMENT - System, method, and computer program product are provided for a user to send and receive expedited P2P payments. In some embodiments, payment instructions may be sent from one financial institution to another financial institution, and based on those instructions and a “promise to pay”, the receiving FI posts the payment to the recipient's account within a short period of time, such as within minutes. Actual settlement of the payment may occur during the next settlement cycle or at some future time or cycle as agreed. This benefits the customer because the customer has the ability to send funds to a recipient in an expedited timeframe. | 05-14-2015 |
20150134509 | IDENTIFICATION OF DIRECT DEPOSIT PARTICIPANTS - Embodiments of the invention are directed to systems, methods and computer program products for identifying participating employers in a direct deposit program. In some embodiments, a system is configured to: receive a first information from a user, wherein the first information includes an employer name; compare the received employer name to a database of employer names that participate in a direct deposit program; determine a match between the received employer name and an employer name that participates in a direct deposit program; and prompt the user with an offer to enroll in a direct deposit program via an interface, in response to determining a match. | 05-14-2015 |
20150134510 | SYSTEMS AND METHODS FOR REPORTING A USER INTERFACE STATUS - A method for reporting a user interface status by an electronic device is described. The method includes sending a user interface status message from a device host to a controller. The user interface status message indicates an availability of one or more user interfaces. Availability corresponds to a powered state. The method also includes sending application information from one or more secure elements to the controller. The method further includes determining an application list based on the user interface status message and the application information. The method additionally includes sending the application list to a remote device. | 05-14-2015 |
20150134511 | CUSTOMER-DEFINED ACCOUNT MANAGEMENT RULES FOR IMPROVED LINKED FINANCIAL INSTITUTION ACCOUNT MANAGEMENT - Systems, methods, and computer program products are provided for customer-defined financial institution account management rules associated with linked financial institution accounts. The methods, systems and computer program products herein described allow the customer to define rules that maximize the customer's rate of return and/or minimizing the likelihood of insufficient funding of an account leading to a withdrawal in excess of account balance. Thus, poor utilization of cash in terms of excessive balances in non-interest bearing accounts or low-interest bearing accounts is minimized by automatically transferring, based on a customer-defined rules, the funds to a higher rate of return account. Additionally, managing a primary payment account, such as a checking or bill account, is addressed so as to ensure that funds are sufficient to cover the customer's expenditures. | 05-14-2015 |
20150134512 | SYSTEM AND METHOD FOR DETECTING FRAUDULENT NETWORK EVENTS - A computing device for detecting fraudulent network events in a payment card transaction network is provided. The computing device includes a processor and a display device. The computing device is programmed to receive a first plurality of fraud data elements associated with a plurality of payment card transactions from a fraud detection system. The computing device is also programmed to generate a first graph from the first plurality of fraud data elements. The computing device is further programmed to receive a first plurality of data elements associated with the plurality of payment card transactions from a second system. The computing device is also programmed to generate a second graph from the first plurality of data elements and display both of the first graph and the second graph simultaneously to a user on the display device, such that the user to detect fraudulent events in the payment card transaction network. | 05-14-2015 |
20150134513 | METHOD FOR REMOTELY CONTROLLING A REPROGRAMMABLE PAYMENT CARD - One variation of a method for remotely controlling a payment card in real-time through a computing device includes: at the computing device, establishing a wireless connection with a payment card; over the wireless connection, receiving a first identifier of a first magnetic stripe card corresponding to a first magnetic stripe sequence command stored on the payment card; in response to receiving the first identifier of the first magnetic stripe card, rendering a first notification on a display of the computing device, the first notification indicating the first magnetic stripe card; and in response to receiving a selection for the first notification rendered on the display of the computing device, transmitting an instruction to the payment card, over the wireless connection, to emulate the first magnetic stripe card according to the first magnetic stripe sequence command during an upcoming transaction. | 05-14-2015 |
20150134514 | METHODS AND APPARATUS FOR FUNDS REMITTANCES TO NON-PAYMENT CARD ACCOUNTS USING PAYMENT CARD SYSTEM - Systems and apparatus for international funds remittances to non-payment card accounts are described. An embodiment includes a remittance request server having a storage device, an agent bank computer having a settlement account, a payment system gateway, an international payment card system, and a plurality of recipient bank computers. The remittance request server storage device stores instructions that causes the remittance request server to receive an international funds transfer request specifying a transaction amount, a source payment card account of a first country, and a destination bank account (which is not a payment card account) of a recipient bank located in a second country. The remittance request server transmits an international payment transaction, stores a funds transfer instruction as part of an electronic funds transfer file, and transmits the electronic funds transfer file on a periodic basis directly to the agent bank computer to cause the transaction amount to be transferred from the settlement account to the destination bank account. | 05-14-2015 |
20150142640 | AUTO-DETECTION OF MERCHANT PAYMENT PREFERENCES - Systems and methods for retrieving and displaying merchant payment preferences to a user are described. When a user is at or near a merchant location, a service provider determines the type or form of electronic payment the merchant can accept. The service provider then generates the specific type or form of payment for display or communication to a user device. The user is then able to present a type of payment accepted by the merchant and pay for a purchase. | 05-21-2015 |
20150142641 | Method of Generating Physical Mail from Electronic Messages - A system for transmitting user messages to a recipient via standard physical mail is disclosed. A data service provided over the Internet or other data network receives a message, addressee information, and payment from a user via a network-enabled device such as a personal computer or smartphone. The system generates a postal media item, such as a letter or postcard, from the electronic message. The system applies proper postage and addressee information to the postal media item and deposits it in the mail with the postal authority. | 05-21-2015 |
20150142642 | DETECTING PAYMENT LAYERING THROUGH CORRESPONDENT BANKS - In some embodiments, a system comprises an interface and one or more processors. The interface receives transaction information for one or more transactions performed using resources of a first financial institution. The processors determine that an originating party associated with the transactions is not a customer of the first financial institution and the originating party is a customer of a second financial institution. The second financial institution is authorized to facilitate access to the resources of the first financial institution. The processors assign a unique identifier to the originating party, associate the transactions with the unique identifier, and monitor the transactions based on a policy that the first financial institution applies to its own customers. in response to detecting suspicious activity, the processors generate an alert and the interface communicates the alert. | 05-21-2015 |
20150142643 | System and Method for Sharing Transaction Information by Object Tracking of Inter-Entity Transactions and News Streams - Among other things, embodiments of the present disclosure may be used to enable multiple entities having interests in an event (such as a transaction) to receive and view information related to the event. Entities may receive alerts and status information related to different aspects of a transaction or other event. | 05-21-2015 |
20150142644 | ELECTRONIC RECEIPTS FOR NFC-BASED FINANCIAL TRANSACTIONS - To facilitate conducting a financial transaction via wireless communication between an electronic device and another electronic device, a secure element in the electronic device receives, from a third party, a notification associated with a financial transaction. This third party may be independent of a counterparty in the financial transaction, such as: a provider of the electronic device or a payment network that processes payment for the financial transaction. In response to the notification, the secure element requests, from the third party, receipt information associated with the financial transaction, and then receives the receipt information from the third party. This receipt information may include a first-level information, such as payment status. Alternatively or additionally, the receipt information may include a second-level information, such as an itemized list of purchased items, links to information and/or discounts. | 05-21-2015 |
20150142645 | MOBILE DEPOSIT SYSTEM FOR DIGITAL IMAGE AND TRANSACTION MANAGEMENT - A central system for receiving captured transaction data from a plurality of remote capture devices over a network, the remote capture devices including a mobile device type and a fixed location device type, the system comprising: a receipt module to receive the captured transaction data; a processing module to process the received captured transaction data; and a storage module to store the processed transaction data such that characteristic data of the mobile device type is associated with the stored transaction data for said processed transaction data originating from a remote capture device of the mobile device type. | 05-21-2015 |
20150149343 | SELF-AWARE TOKEN - A token file is received from an e-Commerce platform having a veracity grade capability. An off-line transaction is made using the token which records events of the transaction. Subsequently, the token re-enters the e-Currency platform and transfers the recorded off-line events. The platform rebuilds the token's past state based upon the state of nearby tokens and the recorded events, so that additional transactions can be rated, including a veracity grade. | 05-28-2015 |
20150149344 | SYNCHRONOUS SPLIT PAYMENT TRANSACTION MANAGEMENT - A software- and/or hardware-based transaction manager that reflects the application program interface(s) and/or system(s) for establishing sessions used to commit to, rollback and/or execute multiple payments made pursuant to a single financial transaction. This is accomplished by sharing sessions through co-browsing, or by continuous event logging and maintaining synchronous payments across a group of users in order to: support the lifecycle of each individual payment and session along with completion responsibility of the overall transaction. | 05-28-2015 |
20150149345 | SYSTEM FOR MANAGEMENT OF CUSTOMER SELF-SERVICE TERMINALS - A system for managing customer self-service terminals that includes a plurality of customer self-service terminals, and one or more mobile management devices each containing at least one processor, and configured to communicate with each of the plurality of customer self-service terminals and display an indication that assistance is needed at a particular customer terminal of the plurality of customer self-service terminals. | 05-28-2015 |
20150149346 | SYSTEMS AND METHODS FOR SUPPORTING CHARITABLE CONTRIBUTIONS - A method may include receiving a notification of a charitable action by an actor. In the method, a goodness magnitude of the charitable action is measured, the goodness magnitude providing a quantified moral value of the charitable action. The actor is assigned an amount of exchangeable currency, the amount being based on the measured goodness magnitude, the assigning being for the charitable action. | 05-28-2015 |
20150149347 | Stylus, mobile terminal and information processing method - A stylus, a mobile terminal and an information processing method is described. The stylus includes a Near Field Communication (NFC) reading module, a sending module and an interface module, wherein the NFC reading module is for acquiring information of a smart card using an NFC technology, the sending module is for sending the information, which is acquired by the NFC reading module, of the smart card to a terminal of a merchant through the interface module, and the interface module is for performing information transmission with the terminal of the merchant. A conventional merchant terminal is not needed to be obsoleted by a merchant, and can support transaction based on NFC technology only by adding a piece of processing equipment (the stylus), so that cost is saved. | 05-28-2015 |
20150149348 | TRANSACTION COST MIRROR - Methods and apparatus may include a calculator for use in determination of a cost of acceptance associated with a purchase and/or group of purchases. The calculator may determine one or more surcharge attributes based on input provided by a transaction participant and one or more transaction fee rules. Apparatus and methods may include a device for dynamically adjusting the transaction cost based on a change in a surcharge attribute. Apparatus and methods may include determining a transaction cost by obtaining authorization services from one interchange provider and final settlement with a second interchange provider. Apparatus and methods may implement a secondary market for trading bundled transactions associated with specified surcharge attributes. | 05-28-2015 |
20150294279 | It will allow people to transfer money, goods, and services all over the world using a secure website that will connect all parties. - My invention will allow people to transfer money, goods and services all over the world using a secure website. This service will allow people to meet face to face to give and collect funds, goods or services as soon as they desire and it will eliminate currency issues. With our live chat, people will be able to see who they are trading with on a computer, smart phone or tablet. The translating capability on the website will eliminate any language barriers so that everybody will understand each other regardless of their location or language. Both parties will be able to track each other's where about any way that they choose to. If one party is not happy with the other party they can find hundreds of other parties willing to trade in the same state or country. | 10-15-2015 |
20150294280 | METHODS AND APPARATUS FOR ALLOCATING FUNDS BASED ON PAYMENT OBLIGATIONS - Methods and apparatus for allocating funds based on payment obligations are disclosed. In response to a transaction on an account, transaction data for the transaction is compared to one or more transaction rules to determine if a payment obligation is applicable to the transaction. In some embodiments, the transaction rules provide an algorithmic representation of an agreement between a transaction recipient and one or more parties of the agreement. Responsive to determining that the payment obligation is applicable to the transaction, an allocation of funds based on the algorithmic representation of the agreement between the transaction recipient and the one or more parties of the agreement, is calculated. A record of the allocation of funds is stored on a storage device. | 10-15-2015 |
20150294294 | METHOD AND APPARATUS FOR FACILITATING PAYMENT VIA MOBILE NETWORKS - A method and apparatus for facilitating payments for transactions, via mobile devices and mobile telecommunications networks, is disclosed. In an embodiment, a product provider is provided with a code, such as a QRcode, which contains or references payment details for purchase of the product. A mobile user of the application scans the code and is connected to their internet banking application. The payment details are transferred to the internet banking application and the mobile user confirms that the transaction should proceed. Payment is made without any secure details being provided to the product provider. | 10-15-2015 |
20150294297 | SYSTEM AND METHOD FOR INTER-BANK AND INTRA-BANK MOBILE BANKING COMMUNICATIONS AND TRANSFERS - Systems and methods for inter-bank and intra-application mobile banking communications and transfers including receiving a communication from a requesting device regarding a funds transfer, processing the communication to determine relevant funds transfer request details and initiating a communication window to allow fluid communication between a requestor and responder(s) regarding the funds transfer request. | 10-15-2015 |
20150294335 | GEO-LEVEL CONSUMER PURCHASE PENETRATION DATA MART - A geographic level purchase penetration data mart provides a comprehensive platform to merge geographic level credit card transaction data with other databases including bureau data, demographic data social media data and economic data. Credit card transaction data sources are selectively linked with survey data sources and other external data sources to generate a data model for selected business applications. The platform facilitates access to a large data set of credit card transaction data, and provides linkage models based on one or more geographic levels and selected business purposes for modeling and influencing consumer behavior at a multi-dimensional and practical level. | 10-15-2015 |
20150300148 | METHODS OF INSPECTING OILFIELD TOOLS - Computer based methods and systems for monitoring a wellbore and preventing equipment damage are disclosed. The computer based methods allow a wellbore operator to subscribe to the services of an inspection services company for a certain period of time to inspect the wellbore through sonic and mechanical analysis and relay any changes in wellbore or pump conditions to the wellbore operator through a computer network. | 10-22-2015 |
20150302365 | Method and System for ACH Debit Delayed Availability - A server includes a memory that stores a plurality of availability schedules, and a processor communicatively coupled to the memory. The processor is operable to access an automated clearing house (ACH) debit transaction received at an originating depository financial institution (ODFI) from an originator, determine an availability schedule associated with the originator from the plurality of availability schedules, credit a percentage of the amount of funds of the ACH debit transaction to a delayed settlement account associated with the originator, and transfer a portion of the amount of funds credited to the delayed settlement account to a general operating account of the originator on a particular day determined from the availability schedule. The delayed settlement account has one or more associated rules that prevent the originator from withdrawing funds from the delayed settlement account. | 10-22-2015 |
20150302367 | SYSTEMS AND METHODS FOR FUNDING SOURCE SELECTION - A system and/or method may be provided to select a funding source to avoid or minimize currency conversion cost for the payer. In particular, a payer may have a plurality of funding sources available for making payments. The available funding sources may make payments in different currencies. In order to avoid currency conversion fees, one or more funding sources may be selected such that the currency of the funding sources matches the currency accepted by the payee. If the available funding sources do not have a currency that matches the currency accepted by the payee, one or more funding sources may be selected to minimize the currency conversion cost. | 10-22-2015 |
20150302368 | PURCHASE FULL REFUND METHOD AND SYSTEM - There is described a method for providing a refund to an eligible purchasing account, in which monetary funds are held, for a purchase made at a purchase price at a specific time to which is associated a time stamp. The method comprises receiving a portion of the purchase price in a pool of funds defined as a trust; calculating a balance to be a difference between the trust and costs; and determining the refund to be transferred from the balance to the eligible purchasing account based on the time stamp, the refund fully covering the value of the purchase price available in the balance or, on given occasions, a multiple of the purchase price. | 10-22-2015 |
20150302369 | Pay Request System-Unit Pricing - This web enabled system is capable of facilitating the management of unlimited projects within which an unlimited number of parties may participate to complete an unlimited number of stages, substages and tasks. The system facilitates the efficient disbursal of monies while reducing the inefficiencies that result when money is not timely disbursed, including an alternate embodiment where pricing and progress is facilitated through unit pricing and completion. Allowed inputs are governed by each party's function and the password security level provided therefore, in balance with checks against required approvals or releases by other affected parties and intrasystem consistency checks. The system provides net payment function management to provide payor credit for faster payment. | 10-22-2015 |
20150302383 | RECOMMENDED PAYMENT OPTIONS - Methods and systems for providing the most suitable payment methods to a user in a specific transaction are described. A service provider uses information obtained from a merchant about the transaction and information the service provider knows about a user to generate a list of possible payment methods. The service provider determines which payment methods the user may want to use for the transaction by looking at, for example, user preferences, merchant preferences, and past purchases made by the user, and the payment methods are displayed on a user device. | 10-22-2015 |
20150302418 | Internet Content Error Reporting Website for Crowd Sourced Proofreading with Duplicate Report Prevention Feature and Suggestion Submission Feature - A method and system is an Internet Content Error Reporting Website for Crowd Sourced Proofreading with Duplicate Report Prevention Feature and Suggestion Submission Feature. The website allows registered website owners to place a bounty or offer a cash reward for identification of errors and potential improvements that can be done to websites and other digital media. The bounty feature allows the owner of the media to determine and limit the number of items, the category, scope of the help that is requested, the price to be paid for instances of valid help and other pertinent features such as but not limited to duration and pages and sections of the digital media targeted. | 10-22-2015 |
20150302489 | COMPUTER IMPLEMENTED METHOD OF FACILITATING CHARITABLE DONATIONS - A computer implemented method of facilitating a financial donation to a charitable organization, where the monetary donation is based on a percentage of a financial transaction and the steps of the method are performed by one or more programmed computer processors. | 10-22-2015 |
20150306503 | Manipulating Operation of a Virtual Event in a Social Networking Service - A method for manipulating operation of a virtual event provided by a social networking service, the virtual event being operable in accordance with each of a plurality of operation modes comprises operating the virtual event in accordance with a first one of the operation modes; providing data for rendering the virtual event on each of one or more electronic devices; providing data for simultaneously rendering, on each of the one or more electronic devices, a respective user interface, each user interface representing information on a fund related to modifying the operation mode of the virtual event, and each user interface further prompting to provide contribution to the fund; receiving, within a scheduled period of time, user input providing contribution to the fund; updating, based on the provided contribution, the information on the fund; and updating said one of the operation modes based on the updated information on the fund. | 10-29-2015 |
20150310400 | System and Method for Proactively Establishing a Third-Party Payment Account for Services Rendered to a Resident of a Controlled-Environment Facility - Systems and methods for proactively establishing a third-party payment account for services rendered to a resident of a controlled-environment facility (“CEF”). A campaign-triggering event is detected, which triggers contact of prospective third-party (“3 | 10-29-2015 |
20150310401 | Platform and Method for Analyzing the Performance of Message Oriented Middleware - A computer server platform application for analyzing a capability of a message oriented transaction system. The platform application includes a first server having a performance driver utility for sending a plurality of transactions through a queue manager as messages having a payload and a correlation identification. The performance driver utility calculates and records a completion time for each transaction sent. A backend utility within the first server is for receiving each transaction sent, converting each payload into a reply message, and sending the reply message to a reply queue destination. A graphing utility contained within the first server is for displaying the completion time for each transaction and an average number of transactions per unit of time for a total number of transactions tested. The performance driver utility is further for displaying categories of possible transaction delays and resolutions of the delays. | 10-29-2015 |
20150310402 | TRANSACTION CONVERSION WITH PAYMENT CARD - Methods and systems for facilitating payment are described. A user presents a payment card (e.g., credit or bank card) during checkout, and payment card details are transmitted to a service provider. The service provider receives the details and determines that the payment card is linked to an account with the service provider. The service provider identifies the user account linked to the payment card and processes the transaction using the funding sources available in the user account. The funding sources used may include the payment card or may be different. | 10-29-2015 |
20150310408 | System and Method for Bill Splitting - A billing system for making reservations at an establishment and splitting the resultant bill and methods for manufacturing and using same. The billing system includes a plurality of user devices, an application server, and at least one establishment device. One embodiment includes selecting a invitee user profile for addition to a split set associated with the reservation, the split set initially comprising an organizing user profile; sending a split invitation to a invitee user device associated with the invitee user profile; receiving a split-accept notification from the invitee user device; adding the user profile to the split set; and paying the bill by paying a first portion of the bill via a first payment method associated with the invitee user profile and paying a second portion of the bill via a second payment method associated with the organizing user profile. | 10-29-2015 |
20150310416 | ELECTRONIC MONEY SYSTEM, ELECTRONIC VALUE TRANSFER METHOD, MOBILE TERMINAL, METHOD FOR CONTROLLING MOBILE TERMINAL, PROGRAM PRODUCT, AND RECORDING MEDIUM ON WHICH PROGRAM PRODUCT IS RECORDED - In order to enable a server-side value stored in an electronic money server to be transmitted automatically to a mobile terminal prior to payment and thus to enable payments on the basis of the terminal-side value balance when a payment terminal only has a function whereby payments are made on the basis of the terminal-side value balance, an asynchronous payment terminal emits ultrasonic waves from an ultrasonic wave emission source, indicating that the payment terminal is not compatible with payment processes on the basis of a server-side balance. When the ultrasonic waves are detected a mobile terminal determines that a payment on the basis of the server-side value balance is not possible, and determines whether the volume of the ultrasonic waves corresponds to a received ultrasonic wave pattern that appears when the mobile terminal is near the ultrasonic wave emission source. When it is determined that there is a correspondence, the mobile terminal transmits a value shift request to an electronic money server. The electronic money server receives this request, subtracts a predetermined amount from the server-side value balance, and then transmits amount change information which increases the terminal-side value balance by that predetermined amount. An IC module receives the amount change information updates (increases) the terminal-side value balance. | 10-29-2015 |
20150310417 | PAYMENT CODE GENERATION USING A WIRELESS BEACON AT A MERCHANT LOCATION - There are provided systems and method for payment code generation using a wireless beacon at a merchant location. A check-in at a merchant location may be completed using a wireless beacon at the merchant location with a communication device. After check-in a user using the communication device may request a payment code be generated from a payment provider that enables the user to have the payment code scanned by a merchant scanner at a point of sale device and complete payment for items with the merchant. The request to generate the payment code may be transmitted from the communication device to the wireless beacon, where the wireless beacon transmits the code over a network connection with the payment provider. Once the code is generated, the wireless beacon may receive the code and transmit the code back to the communication device. | 10-29-2015 |
20150310420 | INDUCTION BASED TRANSACTIONS AT A REMOTE SERVER - 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 sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization. | 10-29-2015 |
20150316406 | Method and Apparatus for Locating Optimal Refueling Stations - The illustrative embodiments classify vehicle performance by fuel providers under a variety of driving demands. Individual measured performance may be combined with collaborative crowd-sourced experiences to leverage a vast data set usable to improve statistical accuracy. The illustrative embodiments provide non-limiting examples of methods usable to save fuel costs at the pump through the use of performance forecasts based on observed historic fuel quality at known fuel providers. | 11-05-2015 |
20150317616 | SYSTEM AND METHOD FOR COLLECTING AND DISBURSING ELECTRONIC GRATUITIES - The present invention relates to systems and methods for collecting and disbursing electronic gratuities. According to one embodiment, a device for submitting gratuities by credit card is provided at a place of business or other appropriate location. A method of using this device is disclosed, whereby consumers pay a predetermined or adjustable gratuity amount by inserting a credit card into the device. According to another embodiment, technological infrastructure is provided to transmit encrypted payment information such that the acquiring bank of the device provider obtains authorization for gratuity transactions conducted using the device. The acquiring bank is thus enabled to credit the device provider's merchant account or disbursal accounts with electronic gratuity payments less acquisition fees. According to another embodiment, a method of disbursing gratuity shares to employees of the business is provided, wherein processing fees are collected by the device provider. | 11-05-2015 |
20150324765 | PROCESS FOR PERFORMING TRANSACTIONS - The disclosure relates to a process for performing transactions among a number of participants, in which every participant has a unique pseudonym assigned to him and the assignment of a pseudonym to a participant and the participant's transaction data are stored on a notary server. | 11-12-2015 |
20150324766 | PAYMENT BY PROXY SERVICE USING PAYMENT CARD - The disclosure is related a payment-by-proxy service that receives a payment request made by a joint payment card and processes the received payment request by a primary payment card linked to the joint payment card through a payment card processing system including, user devices, a payment terminal of a merchant, a service server of the payment-by-proxy service, and financial institution servers associated with the payment card and the primary payment card. For such a service, a payment card may be configured to store an identification data used for requesting a payment and an initiation data used for processing a payment through the payment-by-proxy service, to generate an initiation message based on the stored initiation data upon receipt of a request signal for the identification data from the payment terminal, and to transmit the generated initiation message to the payment card processing system in response to the request for the identification data. | 11-12-2015 |
20150324769 | 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 network, wherein the financial institution includes a first user account related to a user. The systems and methods include receiving a fund transfer request from the financial institution on behalf of the user and establishing a second user account related to the user based on user information passed with the fund transfer request. The systems and methods include processing the fund transfer request by linking the first user account to the second user account based on the user information passed with the fund transfer request, receiving funds from the financial institution associated with the first user account, and depositing the received funds in the second user account on behalf of the user. | 11-12-2015 |
20150324783 | EVENTS AND RELATED RESPONSES BETWEEN AN EXPERT ENGINE AND AN ADVANCED MOBILE TRANSACTION PLATFORM - A method is disclosed herein in accordance with an embodiment of the present invention. The method may include deriving at a mobile transaction platform a multi-dimensional context from one or more user transactions and determining at least one life occurrence based, at least in part, on the multi-dimensional context. The one or more user transactions may be conducted through the mobile transaction platform. The one or more user transactions may be stored on a third-party source. In an aspect, the at least one life occurrence has yet to occur. In another aspect of the invention, the life occurrence has already occurred. The multi-dimensional context may include at least one of user location information and life occurrence location information. The multi-dimensional context may include at least one of a time of life occurrence and a current time. | 11-12-2015 |
20150324803 | DEVICE-BASED TRANSACTION CONFIRMATION - In various embodiments, facilitation of transactions is described. A customer may provide identifying information, such as a communication address, to a provider of goods and/or services. The provider, may, in turn, send a request to a device-based transaction facilitation system (“TFS”) to determine whether the identified customer wishes to participate in the requested transaction. The TFS may send a message to a device of the customer, such as a mobile phone of the customer. The customer may be facilitated in sending back a confirmation that the customer wishes to participate in the transaction. This confirmation may include a unique identifier of the device under control of the customer. The TFS, on receipt of the unique identifier, may then send a confirmation that the customer wishes to participate, and the provider, in turn, may complete the transaction with the customer. Other embodiments may be described and claimed. | 11-12-2015 |
20150326629 | Sending Snippets of Media Content to a Computing Device - Techniques include: providing media content to a computing device; waiting a period of time; determining that the media content has not been used; sending a snippet to the computing device, where the snippet corresponds to a portion of the media content that is executable on the computing device; and repeating waiting, determining and sending until the media content has been used or a limiting factor has been met. | 11-12-2015 |
20150332222 | MODELING CONSUMER CELLULAR MOBILE CARRIER SWITCHING METHOD AND APPARATUS - A system, method, and computer-readable storage medium configured to model and predict consumer cellular mobile carrier switching intentions of a payment cardholder based on transaction payment card purchases. | 11-19-2015 |
20150332223 | TRANSACTION INFORMATION COLLECTION FOR MOBILE PAYMENT EXPERIENCE - Disclosed is a technology for collecting transaction information for interactive payment experience. According to one embodiment, a payment service system receives transaction information from a card payment network. Using the received transaction information, the payment service system can determine a digital transaction receipt that is designed to interact with the consumer. A mobile device of the consumer receives and presents the digital transaction receipt. The interactive interface of the digital transaction receipt enables the consumer to interact with the receipt in various ways, such as specifying tip amount, entering feedback, confirming the transaction, etc. | 11-19-2015 |
20150332226 | METHOD, APPARATUS, AND SYSTEM FOR OPERATING AN ELECTRONIC ACCOUNT IN CONNECTION WITH AN ELECTRONIC TRANSACTION - Embodiments of the present application relate to a method, apparatus, and system for operating an electronic account or displaying a payment page. The method includes receiving, from a first client terminal, a payment platform display page acquisition request, providing, to the first client terminal, a payment platform display page, wherein the payment platform display page includes a first script code, wherein in the event that the first script code is executed, the first script code causes the first client terminal to obtain a payment page including a digital object unique identifier from a payment server and to display the payment page, wherein the digital object unique identifier indicates an upcoming payment sum, receiving verification information, and sending the verification information to the payment server to instruct the payment server to execute a deduction operation on an electronic account. | 11-19-2015 |
20150332235 | System And Method For The Distribution Of Software Products - A system and method for selling software products over a network. The system includes a server computer with access to software products. The system is configured to allow a user to purchase a subscription for the periodic acquisition of selected software products. In one embodiment, as part of the subscription, the user pays an amount during selected billing intervals. In return, the system issues to the user a number of credits for downloading at no additional charge at least one of the software products during a credit interval, which may be equal in length to the billing interval. In one embodiment, the system debits a number of credits in response to fulfilling a user's purchase request. The system may be also configured to deduct credits that are not used within selected credit intervals. | 11-19-2015 |
20150332244 | METHOD, APPARATUS AND SYSTEM FOR PROCRSSING PAYMENT REQUEST FOR VIRTUAL COMMODITIES ON OPEN NETWORK PLATFORM - A method, apparatus and system for processing a payment request for a virtual commodity on an open network platform are provided. The method includes: receiving a payment request that is sent by a third-party application server according to a request from a terminal, the payment request carrying at least an account identifier; deducting a charge from an account corresponding to the account identifier according to a payment attribute corresponding to the account identifier; and sending a charge deduction result corresponding to the account to the terminal via the third-party application server. According to the present method, usage rate of network and system resources is improved. | 11-19-2015 |
20150332245 | Consumer Purchase Database Assistance - This present invention provides an interface at the time of a transaction that communicates with at least one database that contains information regarding the consumer's available payment options. The system then compares the characteristics with various factors regarding the retailer or purchase to match the most suitable payment option with the transaction, and provides that information to the consumer or retailer. | 11-19-2015 |
20150332250 | SYSTEMS AND METHODS FOR SECURITY FEATURES FOR RETAIL CARDS EXCHANGE - Embodiments may be configured to determine a balance associated with a first gift card for a first retailer, void the first gift card, and issue a second gift card associated with the first retailer. Embodiments may be utilized by users on a gift card exchange to ensure, validate, and/or verify that the gift cards purchased, sold, and/or exchanged are new and unused gift cards with the indicated balance. | 11-19-2015 |
20150334163 | PUBLIC DISPLAY SYSTEM ENABLING MEDIA MODIFICATION - Systems and methods are disclosed that allow users to alter fixed or stationary media displays, According to certain embodiments, the system comprises a mobile device, a remote server and a frame capable of presenting a digital image. The frame comprises a machine-readable indicia. The mobile device contains a reader application capable or reading and decoding the machine-readable indicia to determine instructions for accessing the remote server and presenting data from within the indicia that identifies the frame to the server. The server then requests and receives a digital media file from the mobile device and transmits it to the frame. The frame is equipped with a wireless receiver that receives the digital image, and a processor that causes it to be displayed. Various checks and verifications may be performed by the server. Various other aspects and embodiments are disclosed. | 11-19-2015 |
20150339636 | TRANSACTION SPLIT FEES - A transaction fee imposed by a payment provider may be allocated between the parties to an on-line transaction in any way and at any time. This adds flexibility to the transaction and allows the parties to allocate the transaction fee on a per transaction basis that best suits the parties. | 11-26-2015 |
20150339638 | SYSTEM AND METHOD FOR PROVIDING SOCIAL CASH - A system and method for facilitating dispensing social cash includes an application programming interface that receives a contact list, a communications processor that receives a request for a mobile cash dispenser from a user device, a location processor that provides location information to the user device indicating the location of one or more mobile cash dispensers, wherein each of the one or more mobile cash dispensers are associated with a respective contact in the contact list, an input interface that receives a selection from the user device of one of the one or more mobile cash dispensers, and a social cash processor in cooperation with the communications processor that facilitates an interaction between the user device and the selected mobile cash dispenser and receives transaction confirmation information from at least one of the user device and the mobile cash dispenser. | 11-26-2015 |
20150339639 | System and Methods For Inducing Donation Decision-Making Based On Context-Awareness - This invention is about a system and the methods for collecting donations by using context-awareness based on a social networking service. | 11-26-2015 |
20150339645 | SYSTEM AND METHOD FOR COLLABORATIVE GIFTS IN A SOCIAL NETWORK ENVIRONMENT - Disclosed herein are systems, methods, and non-transitory computer-readable storage media for processing a gift between users in a social network. A system configured to practice the method presents an object to a giver in a social networking site, wherein the object provides an option to give a gift to a recipient. If the giver selects to give the gift, the system receives a selection of the recipient and a policy associated with the gift, wherein the giver is associated with a giver account, the recipient is associated with a recipient account, and the giver account is independent of the recipient account. The system monitors transactions of the recipient using the recipient account to yield information, and, based on the information, if the recipient makes a qualifying transaction according to the policy, the system applies at least part of the gift to the recipient account. | 11-26-2015 |
20150339651 | CASH FLOW ANALYTICS DRIVEN CORRESPONDENT BANK NETWORK OPTIMIZATION - A system, method and program product are provided for calculating a routing scheme for a set of correspondent banking (CB) transactions. The described system includes: a network modeling system that creates a model of a CB network for a set of banks based on existing relationships among and between the banks; and an optimization engine that generates a CB transaction routing scheme for an inputted set of CB transactions within the CB network, wherein the optimization engine provides an overall maximized economic benefit for executing each of the inputted set of CB transactions based on separately collected cost data, risk data and revenue data. | 11-26-2015 |
20150339652 | METHOD FOR CONTROLLING PAYMENT DEVICE FOR SELECTING PAYMENT MEANS - The present invention proposes a method for automatically selecting a payment method using a payment device, in which the payment device and a payment processing terminal automatically determine a mutual payment method so as to thereby conveniently change a mobile payment environment when the payment device and the payment processing terminal approach (or contact) each other, and in which card information with improved security is acquired from a card company server and provided to the payment processing terminal so as to thereby enable mobile transactions with improved security while using existing payment processing networks. To this end, the method of the present invention is performed by a payment processing application installed in the payment device having a display apparatus so as to be driven, and may comprise the steps of: acquiring payment method information, which is supported by the payment device, from an electronic tag when approaching the electronic tag having payment method information recorded thereon; driving a sub-application of a shared payment method matched from the payment method information and the payment method supported by the payment device; and displaying the interface of the sub-application on the display apparatus. | 11-26-2015 |
20150339767 | UNIFIED PAYMENT ACCOUNT ESTABLISHMENT AND INCORPORATION IN A MAIN PAYMENT ACCOUNT - There is provided systems and method for unified payment account establishment and incorporation in a main payment account. A service provider, such as a payment provider, may offer merchants with a development kit that unifies payment methods between various merchants and the service provider so that users are provided with more easily established payment accounts with the merchants. The development kit may include an account establishment interface that may be utilized in a merchant ordering and payment application for a merchant. The interface may provide for establishment of a payment account with the merchant. When initially establishing the payment account, the user may generate a provisional account, which may be synchronized to a payment account the user has with the service provider. When synchronizing the two accounts, the user may transfer information to the merchant, which may be redacted to prevent the merchant from receiving sensitive information. | 11-26-2015 |
20150341321 | SECURE ONLINE COMMUNICATION THROUGH A WIDGET ON A WEB PAGE - A client device requests a web page via a network, where the web page is identified by an identifier and references a widget. Following receipt of the requested web page, the client device requests the widget referenced by the requested web page and presents, within the requested web page, a presentation of the widget. Thereafter, in response to receiving user information within the presentation of the widget, the client device communicates the user information to a server via a secure connection between the widget on the client device and the server while maintaining user context at the client device in the requested web page, where the secure connection is initiated by the client device and employs a secure communication protocol implemented by the widget. | 11-26-2015 |
20150343707 | METHOD OF MANUFACTURING MULTI-COMPONENT FUNCTIONAL ARTICLE - A method of manufacturing a multi-material functional article, the method comprising the steps of providing a design module from a database, the design module encoded with physical characteristics, material needs, additive manufacturing equipment required, and performance outputs required for modeling a multi-material functional article, allowing a user access to the design module to integrate the design module into a functional article design, having the design module interface with available additive manufacturing equipment and allowing the user to print the multi-material functional article. | 12-03-2015 |
20150347988 | METHOD FOR DELEGATING AN IMPLEMENTATION OF TRANSACTIONS, CORRESPONDING DEVICES AND PROGRAMS - A method and device are provided for delegating an implementation of transactions to an intermediate user. The method includes: at least one first phase of registering at least one payment server with the intermediate server, the first phase delivering, within the intermediate server, a delegating data structure including at least one association between the payment server and at least one list of types of transactions delegated by the payment server to the intermediate server; and at least one second phase of registering at least one user with the intermediate server, the second phase delivering, within the intermediate server, a provisioning data structure including at least one association between a user identifier, a payment server identifier and a user identifier with the payment server. | 12-03-2015 |
20150347990 | SYSTEM AND METHOD FOR MAKING LOW-COST INSTANTANEOUS FUNDS TRANSFERS - A method and system is disclosed for providing a capability to transfer money directly between two U.S. bank accounts or other financial institution that is substantially instantaneous, that is relatively low-cost, that requires no prior account setup specific to each pair of accounts involved, that substantially reduces the risk of transaction denial due to insufficient funds, and that substantially reduces the risk of charge-backs after the transaction has been completed. The funds transfers enabled by the method and system can be cleared substantially instantaneously because no money actually enters or leaves either a sender's bank or a recipient's bank, involving only transfers of funds between accounts within the sender's bank, and between accounts within the recipient's bank. Account rebalancing among accounts needed to enable the method and system is performed as needed so as to substantially minimize interest costs incurred. | 12-03-2015 |
20150347991 | METHOD AND SYSTEM FOR ANALYSIS OF CARD-ISSUED AGENCY ENTITLEMENT BENEFITS - A method for identifying agency entitlements includes: storing a plurality of transaction data entries, each entry including data related to a payment transaction including a specific account identifier associated with a payment account involved in the transaction and transaction data; storing a plurality of account profiles, each profile including data related to a payment account including an account identifier associated with the account and account data; identifying entitlement rules, wherein each o entitlement rule is associated with an agency entitlement and is configured to identify recipients of the entitlement; applying, to account profiles, the entitlement rules to (i) the account identifier and/or account data included in the respective profile, and/or (ii) the transaction data included in transaction data entries associated with the respective account profile, to identify an agency entitlement associated with the account; and updating account profiles to include the identified entitlement associated with the account. | 12-03-2015 |
20150347992 | METHOD FOR PROVIDING A GRAPHICAL USER INTERFACE FOR AN ELECTRONIC TRANSACTION - The method provides a graphical user interface for an electronic transaction. An input screen is displayed in the shape of an electronic transaction device and inputs in fields of the electronic transaction device are received. If each of the one or more fields has been completed, an indication to move to an additional display of the electronic transaction device is shown. Second inputs in additional fields of the additional display are received. If each of the additional fields has been completed, an additional indication to move to a confirmation display is displayed, and the confirmation display is shown. | 12-03-2015 |
20150347994 | INFORMATION-PROCESSING SYSTEM, INFORMATION-PROCESSING DEVICE, STORAGE MEDIUM, AND ELECTRONIC MONEY CHARGING METHOD - An exemplary information-processing system includes at least a receiving unit ( | 12-03-2015 |
20150348012 | Systems and Methods for Managing Funds - Systems, methods, and computer-readable media are disclosed for managing funds. Example methods may include receiving an indication of a monetary funds value from a merchant, the monetary funds value associated with a universal fund item. The method may include receiving an activation indication indicating that the universal fund item is activated, creating a non-allocated account in which to place monetary funds, and associating the non-allocated account with the universal fund item. The method may include receiving registration information from a user account, associating the non-allocated account with the user account, and generating a set of merchants at which monetary funds can be allocated. The method may include receiving a selection of one or more merchants at which to allocate a portion of the monetary funds, and allocating the portion to the selected merchant, such that the portion is redeemable at the selected merchant via the universal fund item. | 12-03-2015 |
20150348020 | SECURE ONLINE COMMUNICATION THROUGH A WIDGET ON A WEB PAGE - A client device requests a web page via a network, where the web page is identified by an identifier and references a widget. Following receipt of the requested web page, the client device requests the widget referenced by the requested web page and presents, within the requested web page, a presentation of the widget. Thereafter, in response to receiving user information within the presentation of the widget, the client device communicates the user information to a server via a secure connection between the widget on the client device and the server while maintaining user context at the client device in the requested web page, where the secure connection is initiated by the client device and employs a secure communication protocol implemented by the widget. | 12-03-2015 |
20150348037 | METHOD AND SYSTEM FOR IMPROVED FRAUD SCORING BASED ON CRIMINAL ACTIVITY - A method for improving fraud scoring based on criminal activity includes: storing transaction data entries, each including transaction data related to a payment transaction and a transacting consumer identifier; storing consumer profiles, each including data related to consumers including consumer characteristics and a consumer identifier; storing fraud scoring rules, each being configured to score a payment transaction for a likelihood of fraud based on transaction data; receiving a criminal activity notification, the notification including criminal characteristics associated with criminals or victims associated with untrustworthiness or fraud; identifying a specific consumer profile where a predefined number of the consumer characteristics correspond to the criminal characteristics; identifying a subset of transaction data entries where the transacting consumer identifier corresponds to the consumer identifier in the specific consumer profile; and updating the fraud scoring rules based on the transaction data included in each transaction data entry in the subset. | 12-03-2015 |
20150356529 | Digital Purchase Transfers Between Separate Retailers - There are provided systems and methods for digital purchase transfers between separate retailers. One method includes retrieving a receipt for the media content purchased from a first retailer, transmitting the receipt to a redemption server, receiving a token from the redemption server in response to the transmitting of the receipt to the redemption server, transmitting the token to the second retailer, and receiving the media content from the second retailer in response to the transmitting of the token to the second retailer. | 12-10-2015 |
20150356532 | VENDING MACHINE THAT TRANSMITS ELECTRONIC DATA OF A PRODUCT OR SERVICE PURCHASED THEREAT - A vending machine includes a first input device through which a user selects a product or service to be purchased, a second input device by which the user submits payment information to a first server, a dispensing unit configured to dispense a product or service that the user selects through the first input device upon receiving confirmation of payment from the first server, and a communication unit configured to transmit electronic data describing the product or service purchased and the payment information to a second server. | 12-10-2015 |
20150356543 | SYSTEM AND METHOD FOR ASSOCIATING IDENTIFIERS WITH TRANSACTIONS - Financial transaction data is retrieved from a financial institution. The financial transaction data includes a transaction value. The transaction value is compared to multiple pre-defined transaction identifiers and associated with one of the transaction identifiers. The financial transaction data and the associated transaction identifier are then stored in a storage mechanism. | 12-10-2015 |
20150356544 | METHOD AND APPARATUS FOR PERFORMING A TRANSACTION - A system and method for performing a transaction can allow a user to perform a multi-step process on a single web page. The system can receive an initiate-application command from a user at an application server and, in response, initiate an application for facilitating a transaction. The system can present a parameter-request panel, including a set of parameter-request fields, to the user at a client. The system can receive transaction parameters from the user via the set of parameter-request fields. In response to receiving the transaction parameters, the system can present a transaction-options panel, including a set of transaction options associated with the transaction parameters, to the user without obscuring the parameter-request panel. The system can receive from the user a transaction-option selection associated with the set of transaction options and, in response, present a transaction-completion panel to the user without obscuring the parameter-request panel or the transaction-options panel. The transaction-completion panel can include a set of transaction-completion fields associated with the transaction-option selection. The system can receive from the user transaction-completion information via the transaction-completion fields and, in response, complete the transaction. | 12-10-2015 |
20150356547 | SYSTEM AND METHOD FOR PROVIDING TIPPING AND REVIEW SERVICES VIA A MOBILE DEVICE - Embodiments of the present invention are generally directed towards the provision of tipping and reviews via mobile computing devices. Specifically, embodiments of the present invention are directed to providing systems and methods for the provision of tips to service providers through an instant and easy process whereby a tipper can utilize their mobile computing device to quickly identify the individual to be tipped and process a tip transaction via the same mobile computing device. Further embodiments of the present invention allow for the tipper to provide reviews and/or ratings of the tipped individual which may be utilized by other components of the system for a variety of purposes. | 12-10-2015 |
20150356548 | SYSTEMS AND METHODS FOR PROVIDING A GRATUITY - In accordance with one embodiment, a method includes deriving a location of a consumer based, at least in part, on a datum associated with a mobile device, accessing one or more accounts of a plurality of service providers to identify one or more service providers having a registered location that is within a predetermined proximity to the derived location, transmitting displayable data that is associated with the plurality of identified service providers to the mobile device, receiving an indication of a chosen service provider selected from the displayed plurality of identified service providers, receiving a money transfer request from the mobile device, wherein the request is to transfer funds from an account that is associated with the mobile device to a second account that is associated with chosen service provider and transferring the funds into the second account. | 12-10-2015 |
20150356559 | METHOD, SYSTEM AND COMPUTER PROGRAM TO BROKER THE MONETIZED BROADCASTS OF USERS THROUGH A SUBSCRIPTION BASED INFORMATION ECOSYSTEM - A method, system and computer program that comprises an ecosystem for the commercial distribution of information. The system is a brokerage-based publishing and subscription messaging system, utilizing novel information and payment flows between users and the system. | 12-10-2015 |
20150356639 | Method and System for Use of Game for Charity Donations - A method and system for use of a game with charity donations. In one example, a donation agent interacting with a merchant website can offer an online user an option to allocate at least a portion of a payment for or price of a purchase, associated with a transaction made by the user via the merchant website, to be donated by a merchant (corresponding to the merchant website), on behalf of the user, to a charity of the user's choosing. The donation agent can disburse the calculated donation amount to the charity selected by the customer. The points earned can be combined with a college scholarship award mechanism. The game encourages people to participate in the charity in a fun way, e.g., as a hobby every day, with a large user base. | 12-10-2015 |
20150363752 | PAYMENT NETWORK WITH SERVICE PROVIDER DIRECTORY FUNCTION - A request for a funds transfer is received in a computer. The request includes addressing information for an individual recipient of the requested funds transfer. The computer retrieves identification information that identifies a service provider for the recipient. A request is routed from the computer to a service provider by using the service provider identification information. The request to the service provider is for requesting recipient account information. The computer receives a payment account number from the service provider. The payment account number identifies a payment account that belongs to the recipient. The computer executes the requested funds transfer by routing the funds transfer to the recipient's payment account using the received payment account number. | 12-17-2015 |
20150363753 | SYSTEMS AND METHODS FOR ANALYSIS AND LINKAGE BETWEEN DIFFERENT TRANSACTION DATA PROVIDERS - Systems, methods, means, computer program code and computerized processes include receiving a first set of de-identified transaction data from a first transaction data source, receiving a second set of de-identified transaction data from a second transaction data source, filtering the first and second sets of de-identified transaction data to identify transactions associated with at least a first entity and to create first and second filtered data sets, removing data associated with an identifier field for each of the transactions in the first filtered data set to created a de-identified first data set, removing data associated with an identifier field for each of the transactions in the second filtered data set to create a de-identified second data set, and processing the first and second de-identified data sets using a probabilistic engine to establish a linkage between data in each data set. | 12-17-2015 |
20150363754 | VIRTUAL CARD NUMBER BASED PERSON-TO-PERSON PAYMENTS - A method includes receiving, in a computer, a request for a funds transfer from a sender to a recipient. The method also includes sending, from the computer, a message to the recipient. The message indicates to the recipient that the funds transfer has been made and that the recipient has a number of options for receiving the funds transfer. The method further includes receiving, in the computer, from the recipient, an indication for indicating selection of one of the options for receiving the funds transfer. | 12-17-2015 |
20150363756 | METHOD AND SYSTEM FOR PROVIDING FITNESS CENTER ACCESS - One exemplary aspect of this disclosure relates to a method for admitting a user to a fitness center. The method includes a step of receiving, at a terminal, an input corresponding to an identification of a user. A disclaimer is presented to the user, on a screen of the terminal, before admitting the user to the fitness center. Further, the terminal detects whether the user has met a minimum threshold number of uses. Before the minimum threshold number of uses is met, the user is admitted to the fitness center after payment of a fee. After the minimum threshold number of uses is met, the user is admitted to the fitness center without payment of a fee. | 12-17-2015 |
20150363839 | Donation Per Email Open and Click in E-Mail, Charged to E-Mail Sender - Donating money to a charity by a sender of a message is carried out per opening of a received email and/or per selecting a link in a received message. This is done through a trusted system that is used by both a sender of a message, such as an email, and a recipient who recognizes that a message comes through the trusted system in embodiments of the disclosed technology. | 12-17-2015 |
20150365517 | Method and System for Raising Fund Using Mobile Lock Screen And Social Groups Associated Thereof - A method and system for raising fund using mobile lock screen and social groups associated thereof. Particularly, the application provides a method and system for raising fund using lock screen of a user's mobile communication device and social groups associated thereof using a mobile lock screen application. | 12-17-2015 |
20150371200 | METHOD AND SYSTEM FOR MICRO-ACCUMULATION OF FUNDS - The present invention includes a method embodiment for accumulation and dispensation of micro-accumulation funds. The method includes performing, by a micro-accumulation fund (“MAF”) system, the system including a user interface device, a data storage device, and a processor, the steps of: receiving point-of-sale information relating to a purchase made by a user; computing a round-off amount in accordance with a user-defined rounding value; and transferring the round-off amount to a holding account. The present invention is further directed toward embodiments including a system and a computer program stored on a non-transitory computer-readable medium. | 12-24-2015 |
20150371201 | Electronic Payments - A method, application and system for transmitting electronic payment information, comprising the steps of receiving electronic payment information from a first party to a payment; receiving graphical content from the first party; combining the graphical content and the electronic payment information; and transmitting the combined graphical content and the electronic payment information to a second party to the payment. | 12-24-2015 |
20150371207 | METHOD AND SYSTEM FOR VARIABILITY OF AGGREGATED PAYMENTS BASED ON ACCOUNT TRUSTWORTHINESS - A method for intelligently aggregating payment transactions based on consumer trustworthiness includes: storing an account profile, the profile including data related to a consumer including an account identifier, payment details, and a trustworthiness score; identifying a period of time for transaction aggregation based on the trustworthiness score included in the account profile; receiving transaction data for a plurality of payment transactions, the transaction data for each transaction including the account identifier, a transaction amount, and a transaction time and/or date; aggregating the transaction amount included in the transaction data in each payment transaction of the plurality of payment transactions where the included transaction time and/or date is within the identified period of time; and transmitting the aggregated transaction amount and the payment details included in the account profile for use in processing an aggregated payment transaction. | 12-24-2015 |
20150371211 | METHOD AND SYSTEM FOR MAINTAINING PRIVACY IN THE INFERENCE OF MERCHANT GEOLOCATIONS - A method for inferring a merchant geolocation includes: storing a plurality of transaction data entries, each including an account identifier, merchant identifier, and transaction time; storing a plurality of merchant profiles, each including a merchant identifier and geolocation; identifying a first set of transaction data entries, each entry including a common merchant identifier; identifying a second set of transaction data entries, each entry including a different merchant identifier corresponding to a merchant within a predetermined distance of a merchant corresponding to the common merchant identifier; transmitting an identification value associated with each transaction data entry in the first and second sets; receiving geolocation data entries for each identification value, each entry including a location time and geolocation; and identifying an updated merchant geolocation for the merchant corresponding to the common merchant identifier based on the geolocation included in geolocation entries that match transaction data entries in the first set. | 12-24-2015 |
20150371216 | METHOD AND SYSTEM FOR CONDUCTING WIRELESS ELECTRONIC CREDIT CARD TRANSACTIONS - A method and system for providing electronic wireless credit card transactions to small businesses in conditions where the wireless telecommunications network is old and/or underdeveloped. The system allows a merchant to accept payment cards firstly via TCP/IP and secondly via SMS and/or USSD wherever only the most basic GSM network is available. The merchant does not need dedicated wireless terminals to do that. With the smartphone app and the peripheral card reader using the novel method, a merchant in the middle of a remote African village or Siberia can accept a payment cards on the spot, right there and then, if basic GSM network is available, but can also use the same devices in e.g. central London with 4G networks. A corresponding software product is also described. | 12-24-2015 |
20150371222 | WEBSITE CONTENT OPTIMIZATION FOR TARGET MARKET - A system and method are presented for website content optimization for a target market. A request for a web page is received by one or more computer servers from a user. The web page is configured to enable the user to perform a financial transaction. A location of the user and one or more preferred methods of payment for a geographical region including the location of the user are determined by the one or more computers servers. The one or more computer servers generate the web page in response to the request. The web page is configured to enable the user to use at least one of the one or more preferred methods of payment to perform the financial transaction. The web page is transmitted to the user. | 12-24-2015 |
20150371223 | METHOD AND SYSTEM FOR IDENTIFYING AND PROCESSING TEXT OPERATION INSTRUCTION, AND SERVER - A method and system for identifying and processing text operation instruction, and a server are provided. The method includes a communication terminal performing: presenting a communication session window between a user and a network transaction system; receiving text information input by the user in the communication session window, and performing text semantic analysis on the text information to determine an operation type and an operation instruction field; sending the determined operation type and operation instruction field to the network transaction system; and receiving response information returned by the network transaction system, and outputting the response information to the communication session window. | 12-24-2015 |
20150379484 | INTERNATIONAL PAYMENT SYSTEMS AND METHODS - A method for effectuating an international payment may include receiving a request to make a payment for a purchase between a consumer and a merchant located in different countries. The request may be to pay for goods or services offered on a website of the merchant and may require a currency conversion. At least a portion of the request may be transmitted to a payment service provider and, in response, a payment amount in the consumer's currency along with a website address of the payment service provider may be received from the payment service provider. The payment amount and the website address may be transmitted to the merchant for display to the consumer to allow the consumer to communicate with the payment service provider to complete the payment transaction. A confirmation of payment may be received from the payment service provider and transmitted to the merchant to confirm payment of the goods or services. | 12-31-2015 |
20150379492 | Systems, Apparatuses, Methods and Computer Executable Code for Facilitating Monetary Transactions Relating to Online Media Content - The present invention includes systems, apparatuses, methods and computer executable code for facilitating monetary transactions relating to online media content. According to some embodiments of the present invention, there may be provided systems, apparatuses or methods for facilitating monetary transactions relating to online media content including a Media Content Presentation and Payment (MCPP) client application and/or a MCPP server adapted to present media content and/or facilitate monetary transactions relating to online media content via existing payment arrangements relating to payment for mobile device applications and associated products (e.g. IOS App Store™, Windows Phone Marketplace™, Google Play™, etc). | 12-31-2015 |
20150379502 | IMAGE PROCESSING METHOD OF ENABLING FINANCIAL TRANSACTION AND AN IMAGE PROCESSING SYSTEM THEREOF - The present subject matter relates to an image processing method and an image processing system for enabling financial transaction. The method comprises capturing an image of a financial instrument using an image capture device. The captured image is then processed to locate image of the financial instrument number and processed to obtain binary images of one or more characters of the financial instrument number. The system further recognizes each character of the financial instrument number from the binary images based on curvature information of each character and accuracy levels. The recognized characters are validated for a possible financial instrument number and then displayed to the user for confirmation. The user may enter at least one input character when the displayed characters is determined to be incorrect and the system updates a character repository with the correct financial instrument number and corresponding accuracy level. | 12-31-2015 |
20150379507 | PROCESSING ELECTRONIC PAYMENTS USING AT LEAST TWO PAYMENT TOOLS FOR A TRANSACTION - Embodiments of the present application relate to a method, apparatus, and system for operating an account. The method includes receiving a selection of a plurality of payment tools from a terminal, determining a plurality of payment servers corresponding to respective ones of the plurality of payment tools based on the received selection, sending one or more funds deduction commands to the plurality of payment servers associated with corresponding ones of the selected payment tools, receiving one or more notifications of successful funds deduction from any of the plurality of payment servers associated with the selected payment tools, and in response to receiving the one or more notifications of successful funds deduction, updating funds data in a third party payment account. | 12-31-2015 |
20150379797 | Medium Recognizing and Counting Apparatus, Financial Device and Financial Management System - The present disclosure provides a recognizing and counting apparatus having a medium storing function, including: a hopper in which an inserted medium is stacked; a recognizing unit which recognizes an abnormal medium while counting the medium transferred from the hopper; a reject pocket in which abnormal medium recognized to be abnormal by the counting unit is stacked; a normal medium pocket in which a normal medium normally counted by the counting unit is stacked; one or more storage cassette which is disposed below the normal medium pocket to store the normal medium stacked in the normal medium pocket; and a conveying unit which is provided between the counting unit, the normal medium pocket, and the storage cassette to convey the normal medium. | 12-31-2015 |
20150382137 | SUBSCRIBER LOCATION DATABASE - A system may be configured to allow for storage of location information regarding a set of user devices. The location information may be updated relatively frequently, and without introducing additional traffic into a wireless telecommunications network associated with the user devices. The location information may be made available to internal devices associated with the wireless telecommunications network and/or to external third party devices (such as banks, payment card processors, or advertisers) with user consent. Since the information is obtained and stored prior to requests, the location information may be provided, in response to requests, relatively quickly. | 12-31-2015 |
20160005010 | Mi2CENTS SOCIAL MEDIA PLATFORM - Embodiments relate to a computer implemented method operating on at least one central server enabling communication between social media participants in exchange for economic benefits, the computer implemented method including receiving at the at least one central server an original publication by an originating member using a first user interface device in communication with the at least the at least one central server; publishing the original publication at least one central server; receiving at the at least one central server at least one response to the published original publication by at least one of a plurality of user members; publishing the at least one response at the least one central server; crediting an account of the originating member based on the reception of the at least one response; and enabling the originating member at the central server to use account credits to initiate a purchase of at least third party offer. | 01-07-2016 |
20160005014 | LICENSING MEDIA CONSUMPTION USING DIGITAL CURRENCY - Methods and apparatus for issuing licenses to allow end users to consume digital media content on a user device by responding to licensing requests by determining the number of digital currency tokens required to license the requested consumption and then issuing the license if the end user's account has a sufficient number of digital currency tokens. The end user may further use the digital currency tokens to purchase new features, which are internal and/or external to the digital media content. Other embodiments may be disclosed or claimed. | 01-07-2016 |
20160005023 | CONDUCTING FINANCIAL TRANSACTIONS BY TELEPHONE - A method for completing financial transactions by telephone comprises a user that indicates a desire to conduct a financial transaction with a merchant using financial account information maintained by an account system. The merchant determines the user's telephone number and prepares a request to the account system for data to complete the financial transaction. The account system prepares a request for authorization to transmit the data to the merchant to complete the financial transaction and transmits the request to a user device. The user device displays the request for authorization, and the user's authorization is transmitted to the account system. Upon receipt of the authorization, the account system account management system prepares limited use financial account for the transaction with the user and transmits the data to the merchant. The merchant completes the financial transaction requested by the user during the telephone call using the received data. | 01-07-2016 |
20160005024 | OFFLINE TO ONLINE PAYMENT - A mobile device receives an indication of a user request to initiate a payment. The mobile device provides a user interface requesting transaction information corresponding to the payment. The mobile device receives transaction data entered by the user via the user interface. In response to a determination made by the mobile device that a connection to a payment provider cannot be established. A payment request is stored at the mobile device. The payment request corresponds to the transaction data. In response to a subsequent determination made by the mobile device that a connection to the payment provider can be established. The payment request is sent to the payment provider. The payment request is configured to initiate the payment. | 01-07-2016 |
20160005030 | DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS - The DYNAMIC CHECKOUT BUTTON APPARATUSES, METHODS AND SYSTEMS (“DCB”) transforms product page checkout request input and user identification input via DCB components such as offer/discount determination component and checkout button embedding component, into dynamic checkout button outputs. | 01-07-2016 |
20160005033 | SYSTEMS AND METHODS FOR A CURRENCY EXCHANGE PLATFORM - A system for matching a currency exchange request of a first user with a corresponding request of a second user includes a controller configured to receive the currency exchange request, wherein the currency exchange request includes a first amount of a first currency to be converted to a second currency, a memory coupled to the controller configured to store program instructions executable by the controller, a database of one or more second users having associated currency exchange requests, and a database of exchange rates. A mobile application includes a user interface for submitting the currency exchange request, and the memory causes the controller to prompt, via the user interface, selection of the first currency, input of the first amount of the first currency, and selection of the second currency into the currency exchange request prior to submission. | 01-07-2016 |
20160012415 | APPARATUS AND METHOD FOR CONDUCTING A TRANSACTION, AND A CORRESPONDING COMPUTER PROGRAM AND COMPUTER-READABLE STORAGE MEDIUM | 01-14-2016 |
20160012425 | Systems and Methods for Processing Transactions Between Customers and Merchants | 01-14-2016 |
20160012428 | SYSTEMS AND METHODS FOR PROVIDING SECURE DATA TRANSMISSION BETWEEN NETWORKED COMPUTING SYSTEMS | 01-14-2016 |
20160012657 | EFFICIENT AUTHENTICATION FOR FUELING OF VEHICLES | 01-14-2016 |
20160014195 | METHOD AND SYSTEM FOR TRANSFERRING DATA | 01-14-2016 |
20160019507 | Transaction Support Device, Transaction Support System, Transaction Support Method, and Program - According to an embodiment, business processing related to commercial transactions is uniformly supported between a plurality of business entities such as retailers, wholesalers, and manufacturers. A transaction support device generates order information, shipping information, and receiving information, generates profit information indicating a profit of a first business entity based on cash information of the first business entity and the receiving information, generates profit information indicating a profit of a second business entity based on the shipping information of the second business entity, and outputs settlement information containing the profit information to a device of a finance company which acquires the cash sales recovered from the first business entity with respect to a transaction between the first business entity and the second business entity which is an order destination of the first business entity. | 01-21-2016 |
20160019520 | CONDUCTING A TRANSACTION BETWEEN A SERVICE PROVIDER AND A MERCHANT - According to one aspect of the disclosure, there is provided a method for conducting a transaction between a service provider and a merchant, the method comprising: issuing an account number against which a transaction with the merchant is made, wherein the account number belongs to a subscriber registered with the service provider; assigning a unique reference used to map the subscriber to the account number; and transmitting, upon receiving use of the account number for the transaction, the unique reference and details of the transaction to the service provider, wherein the unique reference is processed against a database of unique references to identify the subscriber to which the account number belongs, for the service provider to associate the transaction to the identified subscriber, based on the details of the transaction. A service provider server, a server network and a system that implements this method is also disclosed. | 01-21-2016 |
20160019524 | METHODS AND DEVICES FOR CONFIRMING A FINANCIAL TRANSACTION - The invention discloses devices and methods for providing feedback on purchases. In some embodiments, a physical or virtual receipt as used as an intermediary to delivery to a smartphone or other user-specific device details of a recent purchase. In some embodiments, the details may alternatively or additionally be transferred to a third party including but not limited to a vendor or a credit card provider. In the latter arrangement, the credit card provider may choose to contact the owner of the credit card to verify that a transaction in question has taken place. Contact may take the form of a phone call, SMS, email, or the like. In some embodiments owner of the credit card may contact the provider via a smartphone or similar device. | 01-21-2016 |
20160019525 | CLASSIFY MOBILE PAYMENT AS RECORDS - A method, a computer program product, and a computer system for classifying mobile payments as records are provided. When a payment transaction is made via a mobile device, the mobile device sends a payment receipt, as well as payment time and location, to a remote records management server for automatic declaration and classification. Four record classification schemes, which make search, retention, and disposition more efficient, are disclosed. The four schemes are amount-based, timing-based, location-based, and combination of amount/timing/location. | 01-21-2016 |
20160019530 | IDENTIFYING PAYMENT CARD CATEGORIES BASED ON OPTICAL CHARACTER RECOGNITION OF IMAGES OF THE PAYMENT CARDS - A user captures an image of a payment card via a user computing device camera. An optical character recognition system receives the payment card image from the user computing device. The system performs optical character recognition and visual object recognition algorithms on the payment card image to extract text and visual objects from the payment card image, which are used by the system to identify a payment card type. The system may categorize the payment card as a credit card or a non-credit card. In an example embodiment, the system determines that the payment card type is a credit card and transmits fee structure to the user. The user selects a second payment card for use in the transaction and the transaction is processed using financial account information associated with the second payment card. | 01-21-2016 |
20160019532 | SYSTEM AND METHOD FOR PROCESSING GIFT CARDS USING SCANNABLE CODES - A method is disclosed which blends the use of scannable codes such as a quick response (QR) codes and processing virtual gift cards. The system receives from a first device associated with a giver at a first time, a first visual scan of a code and data from a giver to identify a recipient and other parameters with a gift. The system receives from a second device associated with a recipient a second visual scan of the code. The system presents at least a second portion of data on the second device and then establishes a policy based on the data that causes the system to monitor purchases using the recipient payment account that existed prior to the first time for a qualifying purchase upon which the system applies the gift according to the policy. | 01-21-2016 |
20160019534 | Systems and Methods for Monitoring Performance of Payment Networks Through Distributed Computing - Systems and methods for use in monitoring performance of payment networks through use of distributed computing. One example method includes generating metrics and/or events associated with a deployed region of the agent, correlating the metrics and/or events over at least one time interval, the time interval dependent on at least one of historical data related to the deployed region and a known event, detecting, at the agent, at least one variance in the metrics and/or events over the at least one time interval based on a statistical analysis with at least one tolerance, and publishing sampled data, to an associated collector, based on at least one of a sampling rule and the at least on variance. | 01-21-2016 |
20160026993 | ELECTRONIC APPARATUS AND PAYMENT METHOD THEREOF - An electronic device is provided. The electronic device includes a communication module including a routing table for storing routing paths for short-range wireless communication payment, wherein the communication module is configured to route an application identifier (AID) selection signal to an secure element (SE) according to the routing paths stored in the routing table when the AID selection signal is received from a payment reader, a memory configured to store an AID list including a routing path of a short-range wireless communication payment application installed in the electronic device, and a control module configured to search the AID corresponding to the AID selection signal from the AID list if a routing path corresponding to the AID selection signal does not exist in the routing table or a response of the SE to the routing indicates failure, and to control to store a routing path of an AID corresponding to a routing path selection signal in the routing table if the routing path corresponding to the routing path selection signal exists in the AID list. | 01-28-2016 |
20160034265 | Method for Bulk App Loading on Mobile Devices - A method of quickly installing a set of apps on a used smartphone, activating them by a process that does not require the user to set up multiple accounts, and a method of financing the process. | 02-04-2016 |
20160034861 | METHOD AND APPARATUS OF CONTROLLING NETWORK PAYMENT - Methods and apparatuses of controlling a network payment are disclosed, which obtain a payment record when a selection of a payment instrument is needed, and determine a preferred payment instrument for a current transaction based on the payment record. By analyzing the payment record, a payment success rate of each payment instrument supported by a current payer under a current business scenario may be obtained, and a payment instrument having a maximum payment success rate may be set as the preferred payment instrument for the current transaction. The embodiments of the present disclosure therefore are able to implement an automatic selection of a payment instrument, reduce manual operations of a payer, simplify a payment process, and improve the payment efficiency and the transaction efficiency. In addition, using a payment instrument having a maximum payment success rate as a preferred payment instrument for a transaction may improve a success probability of a one-time payment, thus avoiding the need of re-selecting a new payment instrument and thereby improving the payment efficiency and the transaction efficiency. | 02-04-2016 |
20160034862 | DYNAMIC NETWORK TIMEOUT TUNING - Various embodiments herein each include at least one of systems, methods, software, and data structures that track timeout periods with regard to data processing requests, dynamically tune timeout periods within payment transaction processing systems, directly and indirectly decrease unproductive consumption of transaction processing resources, avoid situations giving rise to duplicate payments for a single purchase, and decrease transaction processing timeouts. Some such embodiments include monitoring a timeout period within a payment transaction processing system to stop processing and return a timeout error when a transaction timeout period is about or has expired while also stopping processing of the transaction and rolling back any portions of processing of the payment request that may have already been performed. | 02-04-2016 |
20160034863 | METHODS AND SYSTEMS FOR ELECTRONIC TRANSACTIONS - An example system can comprise a closed group of member financial institution servers. The system can comprise a data feed manager configured to communicate amongst the closed group of member financial institution servers over a network. The system can comprise a data aggregator configured to aggregate data related to transactions conducted by the closed group of member financial institution servers. The aggregated data can comprise an aggregated interest from the transactions. The system can comprise a distribution manager configured to determine one or more distribution levels for the member financial institutions and one or more seeding entities based on the aggregated data. | 02-04-2016 |
20160034864 | Payment Mode Selection - A system, method, and computer-readable storage medium configured to the electronic detection and presentation of available payment types by a mobile user device. | 02-04-2016 |
20160034869 | SYSTEM AND METHOD FOR PROVIDING A FLEXIBLE LICENSING SYSTEM FOR DIGITAL CONTENT - A system and method for providing a flexible licensing system for digital content is described. In some cases, the system utilizes tokens or other valuations to facilitate the purchase or exchange of content. | 02-04-2016 |
20160034873 | DIGITAL DOWNLOADING JUKEBOX SYSTEM WITH CENTRAL AND LOCAL MUSIC SERVERS - A digital downloading jukebox system including a central server and a plurality of remote jukebox devices each provided with a local server that preferably mirrors the central server and enables selected songs to be immediately downloaded to the jukebox for reproduction. The local server and jukebox may also provide, through control of the central server, song download services to other jukebox devices. The jukebox system may also act as a monitoring/management device for other coin operated equipment present in a location where the jukebox is located, thereby enabling the jukebox device to perform updates on other equipment under control of the central server. | 02-04-2016 |
20160034887 | WEARABLE DEVICE AND METHOD FOR CONTROLLING THE SAME - A wearable device including a touchscreen; a wireless communication unit configured to communicate with an external terminal including an electronic wallet (SE, Secure Element), the external terminal wirelessly linked with the wearable device; and a controller configured to receive a preset user gesture, receive information relating to an account of the electronic wallet (SE) from the external terminal in response to the preset user gesture, display the received information on the touchscreen, and process an NFC (Near Field Communication) payment using the information displayed on the touchscreen. | 02-04-2016 |
20160034888 | PAYMENT CARD VIRTUALIZATION - Disclosed herein are methods and systems for facilitating payment from a branded stored-value account. In the disclosed systems and methods, a communications interface of a service provider system receives a confirmation that a stored-value account, branded for a first merchant, contains a value. The communications interface also receives a request to enable a payment using the value from the first-merchant-branded stored-value account at a second merchant. Then the communications interface transmits a request to the first-merchant-branded stored-value account for an amount from the first-merchant-branded stored-value account and receives the requested amount from the first-merchant-branded stored-value account. The communications interface and a processor of the service provider system then place the amount in a virtual account, and the communications interface initiates a display showing the amount in the virtual account as a branded stored-value account for the second merchant. | 02-04-2016 |
20160034898 | Systems and Methods for Identifying Merchants that Pose Transaction Risks to Purchasing Entities - Systems and methods are provided for identifying when a merchant poses a transaction risk to a purchasing entity. One exemplary method includes receiving a request to review a merchant to determine if the merchant poses a transaction risk to a purchasing entity, and searching for the merchant in a merchant database. The merchant database includes merchant data for multiple merchants that are associated with risk events indicative that the multiple merchants pose transaction risks to the purchasing entity. The method also includes flagging the merchant when the merchant is identified in the merchant database. | 02-04-2016 |
20160042327 | METHOD AND SYSTEM FOR PROCESSING OF BUSINESS-TO-BUSINESS PAYMENT TRANSACTIONS - A method for processing business-to-business payments includes: storing a plurality of payment rules, each rule including data related to a payment scheme including an institution identifier and payment amount; receiving, from a first financial institution, a notification of payment to be made by a buyer to a seller, the notification including a first institution identifier associated with the first financial institution, a second institution identifier associated with the seller and/or a second financial institution associated with the seller, and a transaction amount; forwarding, to the second financial institution, a payment notification, the notification including the transaction amount and indicates at least one of: the first financial institution, the buyer, and the seller; identifying a specific payment rule where the institution identifier corresponds to the first institution identifier; and processing a payment to the first financial institution based on the payment amount included in the specific payment rule. | 02-11-2016 |
20160042331 | ISOLATED PAYMENT SYSTEM - A payment company separate from a retailer runs a payment application having credentials on a server computer. There are wireless personal portable interfaces belonging to the payment company but located in real and virtual retail, showrooms. The retailer agrees to the credentials of the payment company, which include prespecified real and virtual currencies for remittance. Credentials also include rules regarding limitations on acceptance of remittance in virtual currencies. A customer having a personal portable device enters a showroom and selects merchandise to purchase. She selects a payment company who remits payment to the retailer according to the credentials. | 02-11-2016 |
20160042342 | PROXIMITY DETECTION, VIRTUAL DETECTION, OR LOCATION BASED TRIGGERING OF THE EXCHANGE OF VALUE AND INFORMATION - A system, methods, and apparatuses are provided for valuation and exchange of stored value assets, information of value, and the transfer of value to or among individuals. The exchanged assets may be of a similar nature, e.g., music files exchanged for other music files, and exchange or trade of information such as rewards value or a restaurant coupon. The exchanged assets may also be other dissimilar assets exchanged between individuals and/or entities. The exchange may be initiated in numerous ways such as after completing a review, exchanging or trading a gift card, a prepaid card, a reward card, a coupon, a ticket, a pass, and/or the like when in proximity to a specific location or a location of some type or category, and/or exchanging or trading of other assets between individuals based on one or more constraints such as time, location, need, desire for the assets, and/or proximity. | 02-11-2016 |
20160042343 | INFORMATION PROCESSING APPARATUS, INFORMATION PROCESSING METHOD AND INFORMATION PROCESSING PROGRAM - An information processing apparatus according to one embodiment includes a saving unit and a providing unit. In response to receiving a request for a payment agent in a commercial transaction from a terminal of a user not having a credit card, the saving unit saves available points of the user equivalent to a payment amount of the commercial transaction from a point storage unit. The providing unit acquires a card number of a prepaid payment means usable like a credit card and sets a limit amount based on the available points saved by the saving unit, and thereby provides card information of the prepaid payment means containing the card number and the limit amount for payment of the commercial transaction. | 02-11-2016 |
20160042351 | MERCHANT ITEM AND SERVICE RETURN PROCESSING USING WIRELESS BEACONS - There are provided systems and methods for merchant item and service return processing using wireless beacons. A merchant may include a returns and customer service area at a merchant location for use in providing refunds, exchanges, or other services related to items sold by the merchant. The merchant location may include a wireless beacon at or nearby the area. The beacon may provide communication services with a device for the user. Using the beacon, the merchant may be informed that a user has arrived at the area and pull up a receipt and/or transaction history for the user with the merchant. The merchant may also be informed about past returns by the user that may assist the merchant in preventing fraud. Moreover, the merchant may also view similar items to the item purchased by the user for use in exchanges, which may include item delivery and/or availability information. | 02-11-2016 |
20160042355 | Method and Apparatus of Identifying a Transaction Risk - A method and an apparatus for identifying a transaction risk are disclosed. The method includes obtaining risk identification information of a sub-network to which a node relating to a transaction to be identified belongs; and identifying a risk of the transaction to be identified based on the risk identification information of the sub-network to which the node relating to the transaction to be identified belongs, wherein the sub-network is a network acquired by partitioning a relationship network based on connectivity, the relationship network is a network built up with entities and activities relating to a plurality of transactions. Embodiments of the present disclosure build up entities and activities relating to a transaction to be identified into a relationship network, and identify whether a risk exists in the transaction to be identified using risk identification information of the network which is difficult to be found or changed, and thus are able to identify a transaction risk in a more effective manner. | 02-11-2016 |
20160042476 | METHODS AND SYSTEMS FOR REMUNERATING CROWDWORKERS - According to embodiments illustrated herein there is provided methods and systems implementable on a computing device for remunerating one or more crowdworkers. The method comprising allotting at least one crowdworker from the one or more crowdworkers with a first lottery ticket from a set of lottery tickets on completion of a task allocated to the at least one crowdworker. One or more lottery tickets from the set of lottery tickets are selected by utilizing one or more techniques. Winnings are remunerated to each of a set of crowdworkers from the one or more crowdworkers associated with the one or more selected lottery tickets. | 02-11-2016 |
20160043980 | METHOD AND SYSTEM OF VERIFYING THE AUTHENTICITY OF USERS IN AN ELECTRONIC MESSAGING SERVICE - Various aspects of the disclosure describe a method and system for receiving an electronic communication from an account associated with a physical address. The method and apparatus provides a dynamic link to the electronic communication that is accessible to at least one recipient. | 02-11-2016 |
20160048823 | SYSTEM AND METHOD FOR PROVIDING A GROUP ACCOUNT - Systems and methods include a group fund processor having a communications interface that receives account data associated with a primary account from a device over a network, creates a group fund account, and associate one or more limits with the group fund account based on at least one selection received from the device, an alert interface that transmits an electronic invitation including a description of a first amount to an invited user over the network and receives a response from the invited user to the at least one invitation via the network, wherein the response includes account data associated with a respective group member account of the invited user; and an account processor that links the group fund account to the primary account so that the group fund account may fund the first account, and links respective group member account of the invited user to the group fund account so that the first amount is transferred from the respective group member account of the invited user to the group fund account. | 02-18-2016 |
20160048828 | METHOD, SYSTEM AND RECORDING MEDIUM FOR PAYMENT SERVICE - Provided are a method, system, and computer-readable medium for a payment service using a card of an integrated function. A payment service method may include registering a representative card that represents payment tools of a user, the representative card being an electronic card configured to be activated through an application installed in a terminal of the user; activating a payment function of the representative card through the application, the application being associated with a payment service installed in the terminal of the user; setting at least one specific payment tool to be represented by the representative card among the payment tools; and processing a payment using the specific payment tool set in the representative card, in response to a payment request using the representative card. | 02-18-2016 |
20160048913 | Systems and Methods for Assigning a Variable Length Bank Identification Number - Systems and methods for use in assigning bank identification numbers (BINs) are disclosed. One exemplary method includes identifying a payment account demand for an issuer. The payment account demand is associated with an anticipated number of primary account numbers (PANs) for the issuer, each PAN having a PAN length. The method further includes selecting a BIN length for the issuer based on the payment account demand where the BIN length being less than the PAN length, assigning a BIN to the issuer where the BIN has the BIN length, and appending the BIN to a BIN directory. The BIN is associated with the issuer. The BIN is different than each other BIN in the BIN directory. | 02-18-2016 |
20160055465 | ELECTRONIC BOOK RENTALS - Architectures and techniques are described to rent electronic books. In particular, a content provider can rent electronic books to individuals for a specified rental term. The individuals may have the option to modify the rental term for an electronic book. The rental term for a particular electronic book may be modified by extending the rental term of the particular electronic book or decreasing the rental term of the particular electronic book. Individuals may also convert the rental of an electronic book to a purchase and a purchase of an electronic book to a rental. In order to rent the electronic books to individuals, the content provider may acquire permission from the publishers of the electronic books. In some cases, the content provider may acquire a pool of time-bound rentable licenses from the publishers to allocate to individuals renting electronic books from the content provider. | 02-25-2016 |
20160055468 | METHOD FOR FINANCING PURCHASES FOR OTHERS USING A SENDER'S CHARGE ACCOUNT - A method allows a sender to buy goods or services for a third party immediately on an established account of the sender even before the sender pays for the expense occurred. The system works particularly well for purchases of mobile telephone airtime for others. In addition, the method works equally well for purchases of small amounts. The method utilizes SIMS protocol to send purchase orders in the form of text messages. The method takes advantage of existing technologies and contractual relationships that SIMS aggregators have with carriers. The method allows brokers to buy large quantities of goods and services such as mobile telephone airtime at discounted wholesale prices and then resell them in smaller quantities at higher retail prices. | 02-25-2016 |
20160055472 | DEVICE AND METHOD FOR CONDUCTING TRANSACTIONS - An apparatus is provided including a camera; and a processing circuitry configured to: capture an image of a scanning device by using the camera; and output a first scannable item based on the captured image of the scanning device. | 02-25-2016 |
20160055474 | SUSPENDING AND RESUMING TRANSACTIONS THROUGH WIRELESS BEACON COMMUNICATIONS - There are provided systems and methods for suspending and resuming transactions through wireless beacon communications. A merchant may set up a wireless beacon with employee devices. The beacons may connect to a user's device and assist the employee with determining and suspending a transaction for the user. Based on the connections between the user's device and a wireless beacon attached to an employee device, the employee device may receive an identifier for the user. The identifier may also be received from a previous check-in by the user. The employee or a user may scan one or more items that the user may wish to purchase. A transaction may be generated using the scan and may be associated with the user's identifier. Later the transaction may be recalled using the user's identifier or a transaction code identifying the transaction. Payment information for the user may also be associated with the transaction. | 02-25-2016 |
20160063013 | Realtime, Interactive and Geographically Defined Computerized Personal Identification and Payment Matching Systems and Methods - A system and method of interactive and live computerized matching in which a first user is provided with a personal data device including a wireless communication system. A secure network is configured to include a server programmed with a personal characteristic database and a database searching algorithm, and a wireless communication system at a specific geographic location that is capable of communicating with the user's personal data device. The first user is allowed to log on through the wireless communication system to the secure network using his or her personal data device, and communicates to and stores in the database personal data defining his or her characteristics and those for his or her ideal match. Either the secure network automatically identifies the first users precise geographic location, or the user himself otherwise indicates and stores in the database of the network an identifying address that indicates his current specific geographic location. The user then instructs the database searching algorithm to search for and identify other users similarly logged on to the network at the same specific geographic location. The user is able to initiate a search of the database for possible matches within the pool of other users also logged on to the network at the same specific geographic location. The secure network then indicates to the first user the results of the search. | 03-03-2016 |
20160063457 | Method and Apparatus of Obtaining Location Information - A method and an apparatus of obtaining location information are disclosed. According to the disclosed method, a server obtains transaction data uploaded by a terminal, determines a transaction device identifier and transaction address information included in the transaction data, and determines and stores location information of a transaction device corresponding to the transaction device identifier based on the transaction address information. Using the above method, the server is able to automatically record the location information of the transaction device through the transaction data uploaded by the terminal, without the need of manually recording the location information of the transaction device, thereby effectively enhancing the efficiency of obtaining the location information of the transaction device. | 03-03-2016 |
20160063458 | Methods and systems to improve compliance in wellness programs for the chronically ill - This is a method and system by which monetary incentives may be used to motivate compliance to a wellness program that targets management of chronic illnesses. This invention provides administrators of wellness programs with methods and systems for refunding wellness program participant health insurance co-payments and payments made according to a health insurance deductible according to two distinct criteria: (1) how much effort the wellness program participant has invested in complying with the wellness program and (2) how successful the wellness program participant is in complying with the wellness program. By adjusting the size of the refund portions and the time intervals between the refunds, an administrator of a wellness program can achieve an optimal and rational method and system for motivating individuals with chronic illnesses to comply with the objectives of a wellness program. Moreover, this method and system of monetary incentives targets only those wellness program participants that invest in complying with the objectives of a wellness program. | 03-03-2016 |
20160063459 | System and Method for Mobile Payments in a Vehicle - A payment server configured to share payments among occupants of a vehicle. The payment server receives a payment request comprising a payment amount and a vehicle identification, accesses a database record associated with the vehicle identification, the record including an identification and seat position of each vehicle occupant as determined from a mobile device of each occupant, and identifies the vehicle driver. The server transmits to an in-vehicle infotainment (IVI) system a first billing message associated with the payment request, the IVI system displaying the first billing message on a screen of an IVI head unit. The first billing message offers the driver an option to share the payment amount with a second occupant of the vehicle. | 03-03-2016 |
20160063474 | Wearable Electronic Devices and Mobile Transactions and/or Actions - Systems and methods for conducting mobile transactions and/or actions on electronic wearable devices are disclosed. The electronic wearable device comprises a wearable and a base device. The wearable comprises connective hardware components and associated firmware and software for connecting the base device. The wearable comprises a dedicated communication component and at least one dedicated activatable component. The dedicated communication component establishes communication between the electronic wearable device and an application server. The at least one activatable component is operable to be activated for transactions and/or actions for at least one good or service. | 03-03-2016 |
20160063475 | Facilitating Transactions Between Buyers And Sellers - A method includes receiving, at a computing device, transaction information from a buyer and sending, from the computing device, the transaction information over a communication network to a seller. The method further includes receiving, at least periodically at the computing device, a geographical location of the buyer, and sending, from the computing device, the geographical location of the buyer to the seller when the buyer is within a threshold distance of the seller. The method also includes accumulating information about the buyer and their location at a specific store or business. The method may include data analysis of buyer visiting similar businesses. | 03-03-2016 |
20160063488 | Liquidation system for cash and fixed-asset donations - A system and method of processing, within a single procedure, cash equivalents and fix assets from any disposition class. The method includes identifying the benefactor and asset to be donation. Once identified, the asset is classified into one of three disposition classes. The disposition classes are used to determine the value for valuing. Once the value is determined, an impact statement is generated. Depending on the disposition class, the item is either converted to funds directly or through an intermediary. Once the item is converted to funds, the funds are transferred to the identified benefactor. | 03-03-2016 |
20160063649 | FAVOR DETECTION AND REPAYMENT SYSTEM - Systems and methods for favor detection and repayment include storing an ownership association between a first user and a first user item. A second user is detected making a purchase that is associated with the first user item. The purchase by the second user that is associated with the first user item is detected as being a favor for the first user by the second user. Favor repayment information is then retrieved. A favor detection message is provided for display to the first user, and at least one favor repayment option is provided for display to the first user using the favor repayment information. | 03-03-2016 |
20160064955 | METHOD AND SYSTEM FOR PROVIDING POWER MANAGEMENT FOR A WEARABLE SMART DEVICE - An approach for managing the use and distribution of power for wearable smart device is described. A wearable platform receives a notification signal for specifying sensor information associated with a sensor of a wearable smart device of a user. The wearable platform also determines a power requirement of the sensor based on the sensor information, contextual information associated with a mobile device of the user, or a combination thereof based on receipt of the signal. Still further, the wearable platform generates a request to regulate a consumption of power by the sensor or other sensors of the wearable smart device, to access a power controller for charging the sensor, or a combination thereof based on the determination, status information associated with the power controller, or a combination thereof. | 03-03-2016 |
20160070926 | METHOD AND APPARATUS FOR VARIABLE AND FEE BASED CONTENT RIGHTS AND PERMISSIONS - The system provides a method and apparatus for defining rights and permissions for content that allows for subsequent modification of creator owned content, but restricted to permissions and changes associated with the content. The permissions may be one or more from a plurality of possible modifications, time periods, distribution rights, and the like, and include a fee associated with the right to modify. In one embodiment content is accessed via a dynamic link, and the dynamic link includes rules, controls, and restrictions that limit the ability to modify the content to an agreed upon number and type of changes. | 03-10-2016 |
20160071055 | FREIGHT SERVICES MARKETPLACE SYSTEM AND METHODS - A computer system and associated methods for implementing an online freight services marketplace. Freight service offerings posted to the marketplace by carriers are matched to freight service requests from shippers. Compound service offerings are formed from freight service offerings having service parameters (lane, space, transit time, availability, price, and status) that accommodate load parameters (origin, destination, size, and weight) of the freight service request. Compound service offerings selected by the shipper are provisioned and reserved for subsequent dispatch. Role-based access controls within the marketplace restrict visibility of confidential information, such as carrier pricing and shipper identity. Automatic freight transaction facilitation includes shipper payment processing and shipping document generation. Status tracking capability may be augmented with alert messaging and/or in-transit re- planning to minimize the impact of common issues that threaten to defeat a shipment in progress. | 03-10-2016 |
20160071071 | PAYMENT SYSTEM THAT REDUCES OR ELIMINATES THE NEED TO EXCHANGE PERSONAL INFORMATION - A payment system that securely identifies transactions using a transaction identifier that may be set by the parties to the transaction, such that the parties may interact regarding the transaction with one another and with the payment system using that identifier rather than personal identification information. In embodiments, funds may be transferred between individuals that are anonymous to one another, or transferred with limited exchange of personal identification information. When a first individual (the “payer”) seeks to pay a second individual, the first may obtain from the second (the “payee”) an identifier for the transaction. The payer may register the transaction with the payment system, including by providing this transaction identifier. The second individual may subsequently “claim” the transaction by providing that transaction identifier to the system and thereby demonstrating that he/she is the payee of the transaction, after which the system may transfer funds to the second individual. | 03-10-2016 |
20160071086 | Method and System for Facilitating a Transaction - A computer-implemented method of processing a payment at a network node is described. The method includes operating a processor to identify a set of agreed purchase parameters, the agreed purchase parameters including data indicative of a purchase location, a purchase amount, a first device associated with a first user, and a second device associated with a second user, determine a first location of the first device, determine a second location of the second device, and responsive to determining that the first location and the second location are within a predefined distance from the purchase location, effecting a transfer of the purchase amount from a first account associated with the first user to a second account associated with the second user. | 03-10-2016 |
20160071090 | Coin Card - The reloadable debit card will accept deposits in lieu of loose change every time the card is presented during the cash transaction at the cash register. Therefore, there is no need for customers and/or shoppers to deal with loose change, specifically coins. | 03-10-2016 |
20160071097 | PAYMENT SYSTEM THAT REDUCES OR ELIMINATES THE NEED TO EXCHANGE PERSONAL INFORMATION - A payment system that securely identifies transactions using a transaction identifier that may be set by the parties to the transaction, such that the parties may interact regarding the transaction with one another and with the payment system using that identifier rather than personal identification information. In embodiments, funds may be transferred between individuals that are anonymous to one another, or transferred with limited exchange of personal identification information. When a first individual (the “payer”) seeks to pay a second individual, the first may obtain from the second (the “payee”) an identifier for the transaction. The payer may register the transaction with the payment system, including by providing this transaction identifier. The second individual may subsequently “claim” the transaction by providing that transaction identifier to the system and thereby demonstrating that he/she is the payee of the transaction, after which the system may transfer funds to the second individual. | 03-10-2016 |
20160071098 | SYSTEMS AND METHODS FOR PERFORMING SECURE TRANSACTIONS THROUGH AN INTERMEDIARY - Embodiments described herein are directed towards systems and methods for anonymously paying for goods and/or services. Embodiments may enable a user to complete an online transaction for goods and/or services using a gift card, wherein the gift card may not have any information associated with the user. | 03-10-2016 |
20160073010 | FACIAL RECOGNITION FOR EVENT VENUE CAMERAS - An event venue with a performance area (e.g., a sport field or auditorium stage) and an eventgoer area (e.g., stadium seating or bleachers) may include a set of eventgoer cameras trained on various sections of the eventgoer area and a set of performance cameras trained on the performance area. The event venue may also include sensors. When an event occurrence (e.g., a goal or touchdown) is detected using the cameras and/or sensors, at least one photo or video of the event occurrence may be captured by the performance cameras, and at least one photo or video of the eventgoer reaction may be captured using the eventgoer cameras. Facial recognition may then be used to identify particular eventgoers in each photo or video. Identified eventgoers can then receive photos or videos in which they are identified along with performance photos or videos that were captured at roughly the same time. | 03-10-2016 |
20160078419 | BEACON DEVICE FOR FACILITATION OF GRATUITOUS TRANSACTIONS - A method of initiating an unsolicited, gratuitous transaction with an entity using a mobile device to receive a signal including identification indicia from a beacon device. The beacon device may transmit such a signal in response to a polling signal from the mobile device or independently. Once communication is established, an unsolicited transaction may be completed, either in the form of a performance rating, a message, or monetary donation through a third party intermediary. | 03-17-2016 |
20160078420 | METHOD FOR FINANCING PURCHASES FOR OTHERS USING A SENDER'S CHARGE ACCOUNT - A method allows a sender to buy goods or services for a third party immediately on an established account of the sender even before the sender pays for the expense occurred. The system works particularly well for purchases of mobile telephone airtime for others. In addition, the method works equally well for purchases of small amounts. The method utilizes SIMS protocol to send purchase orders in the form of text messages. The method takes advantage of existing technologies and contractual relationships that SIMS aggregators have with carriers. The method allows brokers to buy large quantities of goods and services such as mobile telephone airtime at discounted wholesale prices and then resell them in smaller quantities at higher retail prices. | 03-17-2016 |
20160078432 | APPARATUS AND METHOD FOR PROVIDING A TRANSACTION SERVICE - An apparatus and method for performing a transaction service, which includes receiving, by a service server, a transaction ID request for the transaction service with a service provider, from a user terminal, generating a transaction ID in response to the transaction ID request, providing the transaction ID to the user terminal, and receiving a transaction specification that corresponds to the transaction ID, from the service provider. The transaction specification is generated by the service provider using the transaction ID that is provided to the user terminal. | 03-17-2016 |
20160078448 | TRANSFERRING MONEY USING EMAIL - Methods, systems, and apparatus, including computer programs encoded on computer storage media, for transferring money using email. One of the methods includes receiving, at a user device, user input of a request to transfer a payment amount from a recipient account with a payment service system to a sender account of a sender with the payment service system. A draft email message is generated, the message having content identifying the requested payment amount, the draft email message including a confirmation link to a network resource associated with the payment service system, wherein upon receiving an indication that the recipient selected the confirmation link, the payment service system identifies a sender account of the sender and a recipient account of the recipient and initiates a transfer of the requested payment amount from the recipient account to the sender account. | 03-17-2016 |
20160078528 | TRANSACTION ASSISTANCE - A transaction at a Self-Service Terminal (SST) is initiated as a first type by a customer. During the transaction, the transaction can dynamically switch to one or more second types in order to provide transaction assistance to the customer during the transaction. | 03-17-2016 |
20160085744 | SYSTEM AND COMPUTER PROGRAM PRODUCT FOR COLLECTIVELY GATHERING RELIABLE FACTS AND VALIDATION THEREOF - The present disclosure relates to a system and a computer program product for collectively gathering reliable facts. The system receives a statement, at least one evidence related to the statement, and at least one validity indicator for the at least one evidence. The system assesses a reliability value of the at least one evidence using the at least one corresponding validity indicator. The system further determines a confidence indicator for the statement based on the at least one evidence and the corresponding reliability value. The computer program product comprises instructions which when executed by a processor of a computing device display a statement and an evidence received from the server on a display of the computing device. The instructions when executed also collect one of a validity indicator of the displayed evidence or a new evidence related to the displayed statement, which are transmitted to the server. | 03-24-2016 |
20160086150 | PAYMENT MANAGEMENT APPARATUS, PAYMENT MANAGEMENT METHOD, AND STORAGE MEDIUM - A payment management apparatus according to an embodiment includes a purchase request receiving unit, a payment candidate selecting unit, a list information notifying unit, a selected information acquiring unit, and a payment unit. The purchase request receiving unit receives a purchase request transmitted from a user terminal. The payment candidate selecting unit selects payment candidates as candidates for a payer who pays a price for a purchasing object corresponding to the purchase request on behalf of a user who holds the user terminal. The list information notifying unit notifies the user terminal of information on a list of the payment candidates. The selected information acquiring unit acquires, from the user terminal, information on a payment candidate selected from the list of the payment candidates as information on a selected candidate. The payment unit performs a payment process on the purchasing object based on the information on the selected candidate. | 03-24-2016 |
20160086152 | Mobile Application for the Easy and Quick Exchange of Money - A system and method is provided in the form of an application that includes means for permitting a user to establish a user account via a registration process, where the user account is configured to be dynamically funded at select or periodic intervals by the user from one of a number of possible funding sources. The system and method further includes means for associating one or more separate accounts with the registered user account, and also means for directing a transfer of money to an outside account either directly from the registered user account or directly from one or more of the separate accounts, permitting the user to by-pass the registered user account if so desired. | 03-24-2016 |
20160086281 | SYSTEM AND METHOD FOR PRESENTING ITEMS FOR SALE AND DIRECTING SALE PROCEEDS INTO A COLLEGE EDUCATION SAVING ACCOUNT - The disclosed technology relates to distributing proceeds from online sales into remote college education savings accounts. A virtual environment is provided that allows a seller to sell goods and a buyer to browse through the goods for purchase. Proceeds for a sale of the goods are received from a payment source associated with the buyer. The proceeds directly distributed into at least one remote college education savings account associated with the seller. | 03-24-2016 |
20160092852 | ALLOCATION AND DISTRIBUTION OF PAYMENT FOR PODCAST SERVICES - Methods and arrangements are provided for podcast listeners to allocate and distribute payments to podcast content creators based on their engagement and enjoyment of the podcasts. An allocation system provides for monitoring of engagement metrics of listeners, including such metrics as percent of podcast consumed, frequency of consumption, whether the podcast is regularly listened to during a daily commute, and other signs of engagement with the content. Listeners provide a donation budget to the allocation system, representing the total amount of donation for all podcasts listened to. The allocation system then allocates a portion of the donation budget to each podcast according to the level of engagement represented by the engagement metrics that are monitored. | 03-31-2016 |
20160092853 | PAYMENT ACCOUNT - A system comprising a payment account generated by the payor and adapted to receive the payment from the payor and transfer the payment to the payee in at least one form of payment, a funding account to provide funds to a fund holding account which is adapted to provide the payment to the payment account, a payment processor to process the payment from the payor to the payment account and process the payment from the payment account to the payee, and a payee portal to be accessed by the payee and receive the payment from the payment account. The payment account is a dedicated account for only the payee, and the payee self-directs the transfer of funds and controls the form of payment made from the payment account. A method further comprising generating a payment account, providing funds to the payment account, and self-directing funds from the payment account. | 03-31-2016 |
20160092855 | Token-Based Method for Enabling Second Sale of Content Associated with a Media-Bound Content to a Consumer - There is provided a server including a memory configured to store a user database, the user database including a list of entitlements of a user. The server further includes a processor configured to receive a first universally unique identifier (UUID) retrieved by a playback device of the user from a medium storing a media content having a title, determine that the first UUID is registered in a repository, and inquire from the user of the playback device, in response to determining, whether the user desires to purchase an entitlement to the title associated with the first UUID, receive a reply from the user that the user desires to purchase the entitlement to the title, add the title to the list of entitlements of the user, and record a second UUID as registered in the repository, for adding the title to the list of entitlements of the user. | 03-31-2016 |
20160092856 | DISTRIBUTED PROCESSING SYSTEM FOR PROCESSING TRANSPORTATION FEES AND OPERATING METHOD THEREOF - An operating method of a distributed server includes downloading operating information from a central server, the operating information including information related to card transactions and terminal information on one or more card terminals, receiving a payment request for a card tagged on a card terminal from the card terminal, and performing an operation related to a payment requested by the card terminal based on the operating information. The operating method may further include receiving status information from the central server, the status information indicating whether or not the central server is overloaded, processing the payment requested by the card terminal if the status information indicates that the central server is overloaded, and transmitting a result of processing the payment to the card terminal. | 03-31-2016 |
20160092857 | DEVICES AND METHODS FOR PAYMENT HANDLING - A method can include receiving a first payment from a first payment terminal in a first format, converting the first payment to a unified format, receiving a second payment from a second payment terminal in a second format different from the first format, and converting the second payment to the unified format. | 03-31-2016 |
20160092861 | SYSTEM AND METHOD FOR PROCESSING A BEACON BASED PURCHASE TRANSACTION - In a purchase transaction between a merchant and a customer, a merchant device sends transaction information to a payment gateway and sends a beacon signal containing a transaction identifier to a customer mobile device. The customer mobile device sends the transaction identifier and payment information corresponding to a customer payment account to the payment gateway. The payment gateway applies the transaction identifier to access the transaction information received from the merchant device and sends purchase information based on the transaction information to the customer mobile device. The customer mobile device displays the purchase information to the customer, obtains an indication of customer assent to pay for the item and sends a confirmation of customer assent to the payment gateway. Upon receiving the confirmation of customer assent from the customer mobile device, the payment gateway processes the purchase transaction based on the payment account information. | 03-31-2016 |
20160092862 | SYSTEM FOR CONDUCTING TRANSACTIONS INDEPENDENT OF POINT OF SALE SYSTEM - A system that allows for conducting merchant transactions independent of a POS system. The system employs both a merchant venue-specific website and a mobile app. A customer at the merchant venue logs into the website with his or her mobile phone, and the mobile app is automatically notified of the login. The venue keeps track of the customer's total bill amount in any way, and enters it into the mobile app, which in turn updates the website with the total amount owed. The customer can then pay his or her bill through the website, via his/her phone. In this manner, a quick and easy payment system is implemented, allowing users to pay with the card or payment method of their choice, without need for a POS system and without need for downloading or installing any additional software on their mobile device. | 03-31-2016 |
20160092863 | ON-PREMISES DEVICE TRANSACTION COLLABORATION - Various embodiments herein each include at least one of systems, methods, and software for on-premises device transaction collaboration. Some embodiments include a method. The method of such embodiments includes identifying a mobile device present within a facility and associating the mobile device with an account holder. Such embodiments further include transmitting, to the mobile device, data representative of transaction options identified in stored data based on an identity of the facility and the account holder. | 03-31-2016 |
20160092896 | METHOD AND SYSTEM FOR DETERMINING POLITICAL AFFILIATION AND ATTITUDE TRENDS - A method and a system are provided for determining political affiliation and/or attitude trends of a plurality of payment card holders. The method includes retrieving from one or more databases a first set of information comprising payment card transaction information of a plurality of payment card holders, and retrieving from the one or more databases a second set of information comprising external information. The external information comprises political affiliation and/or attitude information of a plurality of merchants, and political affiliation and/or attitude information of the plurality of payment card holders. The method also includes analyzing the first set of information and the second set of information to identify one or more associations between the payment card transaction information and the external information, and determining political affiliation and/or attitude trends of the plurality of payment card holders based on the one or more associations. The method and system can be used to measure shifts in ideological and political patterns of a population. | 03-31-2016 |
20160093159 | Data Storage and Access Systems - Data storage and access systems enable downloading and paying for data such as audio and video data, text, software, games and other types of data. A portable data carrier has an interface for sending and receiving data, data memory for storing received content data, and payment validation memory for providing payment validation data to an external device. The carrier may also store a record of access made to the stored content, and content use rules for controlling access to the stored content. Embodiments store further access control data and supplementary data such as hot links to web sites and/or advertising data. A complementary data access terminal, data supply computer system, and data access device are also described. The combination of payment data and stored content data and use rule data helps reduce the risk of unauthorized access to data such as compressed music and video data, especially over the Internet. | 03-31-2016 |
20160098696 | SYSTEMS AND METHODS FOR PROVIDING PAYMENT HOTSPOTS - Systems and methods are provided for facilitating payments between users of the system such as person-to-person payments using a payment hotspot. A payment hotspot or payspot may be generated by a first user device of a first user to facilitate a transfer of funds between the first user and the second user. The payspot may be a virtual payment portal that allows secure payment between the users without either of the users having to provide identifying information to the other user. The payspot may be accessed by the second user based on the proximity of a second user device of the second user to the first user device or the first user may provide an identification code of the payspot to the second user. The second user may access the payspot by communicating with a payment server with the second user device, through the first user device. | 04-07-2016 |
20160098697 | System for Defining and Tracking Transactions of Mobile Devices - A system that allows developers to designate transactions for an application to track and monitor the performance of their applications on various mobile devices. In some embodiments, each transaction is composed of multiple interactions across several different screens that interact with different services or functions. The transactions of some embodiments overlap or are nested within each other, so that multiple transactions are monitored simultaneously. In some embodiments, each transaction is assigned a value, allowing a developer to prioritize troubleshooting in an application, as well as quantifying the costs of various issues in the application. In some embodiments, the system includes a transaction agent is installed on various devices that identifies and monitors transactions in the system and a transaction server that receives transaction data from the mobile devices and processes the data to allow a developer to monitor the performance of the application. | 04-07-2016 |
20160098703 | ANALYZING DIGITAL IMAGES CAPTURED BY A MOBILE COMMUNICATIONS DEVICE - Aspects of the disclosure describe systems and methods for analyzing images captured by a mobile communications device. A server may transmit a request for a digital image to the mobile communications device. The mobile communications device may use a camera to capture a digital image in response to receipt of the request. The quality of one or more portions of the digital image may be verified. The mobile communications device may transmit the digital image to the server for further image processing and image analysis. The server may process and analyze the digital image to segment and identify particular regions of interest such as regions having printed or handwritten text. The server may extract the text from the digital image and use the extracted text to execute an automated electronic transaction. | 04-07-2016 |
20160098707 | CARD MANAGEMENT SYSTEM HAVING CARD IMAGE MANAGEMENT FUNCTION, CARD MANAGEMENT METHOD, AND USER TERMINAL AND SERVER APPLIED TO THE SAME - A card management system using a mobile wallet according to the present invention comprises: a user terminal having a mobile wallet for performing a finance trade function corresponding to a finance card; and a card management server which receives and stores card image information for the finance card from the user terminal, and which, when the finance card is to be used by way of the mobile wallet, searches for the stored card image information and provides the card image information to the user terminal. | 04-07-2016 |
20160098708 | SYSTEMS AND METHODS FOR PROCESSING TRANSACTIONS USING PAYMENT TOKENS - A computer system is enabled to process a transaction. The computer system receives a financial account holder identifier and a merchant identifier and generates a payment token uniquely associated with the financial account holder and merchant. The computer system communicates the payment token to a mobile payment device. The computer system can then receive a payment request that includes the payment token, a payee identifier, and a payor identifier associated with the payment request. The computer system can then authorize the payment request when the payee identifier matches the financial account holder identifier uniquely associated with the payment token and the payor identifier matches the merchant identifier uniquely associated with payment token. | 04-07-2016 |
20160098790 | ANNOTATING A TRANSACTION HISTORY RECORD WITH MERCHANT INFORMATION IDENTIFIED FROM A MERCHANT IDENTIFIER AND USER COMPUTING DEVICE LOCATION DATA - A payment processing system receives one or more indications of a user's location at a time that the user initiates a transaction with a merchant system at a physical location of the merchant system, processes the transaction, and receives a merchant point of sale identifier from the issuer system associated with the financial account information selected by the user. The payment processing system creates a combined list of candidate merchant identities based on the received merchant POS identifier and the user computing device location. The payment processing system calculates a probability for each of the merchant identities in the list based on similarity to the merchant POS identifier and user location data. The payment processing system associates the merchant POS identifier with the merchant identity having the highest probability and creates an annotated transaction record to display to the user. | 04-07-2016 |
20160099842 | INTERSYSTEM AUTOMATED-DIALOG AGENT - A computing platform may receive, from a user device, data comprising a natural-language response input by a user, via the user device, in response to a natural-language prompt generated by the computing platform. The computing platform may determine, based on the data, a recommended action for the user. The computing platform may generate, based on the data, a natural-language response to the natural-language response input by the user. The natural-language response to the natural-language response input by the user may identify the recommended action. | 04-07-2016 |
20160099843 | INTERSYSTEM AUTOMATED-DIALOG AGENT - A computing platform may receive, from a user device, data comprising a natural-language response input by a user, via the user device, in response to a natural-language prompt generated by the computing platform. The computing platform may determine, based on the data, a recommended action for the user. The computing platform may generate, based on the data, a natural-language response to the natural-language response input by the user. The natural-language response to the natural-language response input by the user may identify the recommended action. In some embodiments, the computing platform may determine a recommended next action for the user. In such embodiments, the computing platform may generate a natural-language prompt identifying the recommended next action, and may communicate, to the user device, the natural-language prompt identifying the recommended next action. | 04-07-2016 |
20160104132 | PERFORMING RISK CHECKS FOR ELECTRONIC REMITTANCES - One or more embodiments described herein include methods and systems for remitting funds via a social networking system. More specifically, systems and methods described herein provide users the ability to remit funds to co-users utilizing social network profiles and notifications. Additionally, systems and methods described herein determine one or more risk levels for a remittance request based on a variety of social network factors. | 04-14-2016 |
20160104133 | FACILITATING SENDING AND RECEIVING OF REMITTANCE PAYMENTS - One or more embodiments described herein include methods and systems for remitting funds via a social networking system. More specifically, systems and methods described herein provide users the ability to remit funds to co-users utilizing social network profiles and notifications. Additionally, systems and methods described herein determine one or more risk levels for a remittance request based on a variety of social network factors. | 04-14-2016 |
20160104144 | SYSTEM AND METHOD FOR DISTRIBUTING DONATIONS - A system is provided for use with a first receiving communication device, a second receiving communication device, a first distribution communication device and a second distribution communication device. The first receiving communication device transmits a first posting signal having a first associated posting value. The second receiving communication device transmits a second posting signal having a second associated posting value. The first distribution communication device transmits a first distribution signal having a first distribution associated value. The second distribution communication device transmits a second distribution signal having a second distribution associated value. | 04-14-2016 |
20160104149 | SYSTEMS AND METHODS FOR FACILITATING TRANSACTIONS IN OPEN LOOP AND CLOSED LOOP NETWORKS - Systems and methods for facilitating e-commerce transactions by providing systems and methods for executing transactions in both an open loop and closed loop networks. | 04-14-2016 |
20160107090 | Server Device - A server device includes a group managing unit storing a group and a game player belonging to the group in association with each other; a point summing unit calculating points acquired by a game executed on a terminal device of the game player; a sales amount summing unit calculating sales amounts of items usable to execute the game; a money amount output unit outputting information on the sales amounts calculated by the sales amount summing unit to the terminal device executing the game; a group determining unit determining a group to be paid a part of, or the entirety of, the sales amounts as a result of the execution of the game; and an allocation determining unit determining allocation of the part of, or the entirety of, the sales amounts to be paid, in accordance with the points calculated for the game player stored in association with the determined group. | 04-21-2016 |
20160110696 | BOTTOM OF THE PYRAMID PAY METHOD AND SYSTEM - One or more embodiments provide a system and method comprising receiving at a device a first token associated with a first account; executing a transaction; recording the executed transaction at each of the device and the first token, wherein the execution of the transaction is offline; and balancing the account associated with the first token per the transaction when the first token is online after the executed transaction. Numerous other aspects are provided. | 04-21-2016 |
20160110699 | METHOD FOR FINANCING PURCHASES FOR OTHERS USING A SENDER'S CHARGE ACCOUNT - A method allows a sender to buy goods or services for a third party immediately on an established account of the sender even before the sender pays for the expense occurred. The system works particularly well for purchases of mobile telephone airtime for others. In addition, the method works equally well for purchases of small amounts. The method utilizes SIMS protocol to send purchase orders in the form of text messages. The method takes advantage of existing technologies and contractual relationships that SIMS aggregators have with carriers. The method allows brokers to buy large quantities of goods and services such as mobile telephone airtime at discounted wholesale prices and then resell them in smaller quantities at higher retail prices. | 04-21-2016 |
20160110704 | Method and System of Implementing Electronic Payment via Mobile Terminal - A method and a system for implementing an electronic payment using a mobile terminal are disclosed. In the method, the mobile terminal exchanges payment information with an access terminal through a wireless connection, and a platform apparatus confirms a payment completion status. A user and a merchant do not need to exchange passwords, thus ensuring the security of a transaction, and a fast payment system is established, which maximizes the utilization of existing resources of the user. In addition, a linked device may further be used to implement functions as printing a transaction receipt or voucher after an electronic payment is completed to allow both the user and the merchant to possess data and records associated with the transaction, thereby ensuring the truthfulness, validity and legality of the transaction. | 04-21-2016 |
20160112281 | Dynamic Cache Allocating Techniques for Cloud Computing Systems - Techniques are presented herein to allow a tenant application in a cloud computing environment to automatically adjust storage infrastructure cache allocation according to performance needs and cost associated with use of the cache. Information is stored for a spot price of a cache of a storage infrastructure used for data storage in a cloud computing environment. A request is received to allocate additional cache for use by one or more applications associated with a first tenant running in the cloud computing environment. Information is sent to the one or more applications indicating a current spot price of the cache of the storage infrastructure. An instruction is received from the one or more applications to purchase the additional allocation of the cache based on the current spot price or based on a predetermined fixed price. An allocation request is sent to the storage infrastructure for additional allocation of the cache. | 04-21-2016 |
20160117211 | ERROR TROUBLESHOOTING USING A CORRELATED KNOWLEDGE BASE - Disclosed are various embodiments for an error troubleshooting application. Error data is obtained from a client device. A correlated knowledge base is referenced to determine if a solution is associated with the error data. If a solution is associated with the error data, a notification embodying the solution is communicated to the client device. If a solution is not associated with the error data, a notification indicating the solution is unknown is communicated to the client device. | 04-28-2016 |
20160117647 | MANAGING MONEY MOVEMENT METHODS INVOLVING A PAYMENT SERVICE SYSTEM - A method to send a payment to satisfy an obligation. The method includes receiving, by a payment service, a target time request to complete the payment, wherein the target time request comprises a first target time for completing at least a first portion of the payment, comparing, in response to receiving the target time request, a current time and the first target time to determine a first available payment processing time, selecting a first electronic funds transfer (EFT) network from a plurality of EFT networks based on matching the first available payment processing time to a first estimated payment processing time of the first EFT network, and initiating, in response to selecting the first EFT network, processing of the first portion of the payment using the first EFT network. | 04-28-2016 |
20160117665 | FACILITATING INITIATING PAYMENTS WITHOUT A PAYMENT CREDENTIAL - The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. Additional implementations involve facilitating payment transaction by inferring payment events. Still further implementations involve facilitating payment transactions between groups of users. In addition to the foregoing, one or more implementations allow a user to initiate payment transactions without first providing a payment credential. | 04-28-2016 |
20160117666 | FACILITATING SENDING AND RECEIVING OF PEER-TO-PEER PAYMENTS - The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. Additional implementations involve facilitating payment transaction by inferring payment events. Still further implementations involve facilitating payment transactions between groups of users. In addition to the foregoing, one or more implementations allow a user to initiate payment transactions without first providing a payment credential. | 04-28-2016 |
20160117667 | DIVIDED PAYMENT METHOD, APPARATUS AND SYSTEM - A divided payment method and an apparatus and system for the method. According to this invention, a mobile communication device receives virtual payment information of a person participating in divided payment from at least one another mobile communication device or a payment service apparatus. After creating divided payment request information by using own payment information and the received virtual payment information, the mobile communication device requests the divided payment by transmitting the created divided payment request information to the payment device. Therefore, even though only one person among several persons participating in mobile payment transacts payment, the divided payment is performed for all persons. Also, since payment information of a person participating in the divided payment is offered in the form of virtual payment information to the mobile communication device transacting payment, it is possible to remove danger of misuse due to offering payment information to other person. | 04-28-2016 |
20160117670 | FACILITATING SENDING AND RECEIVING OF PAYMENTS USING MESSAGE-BASED CONTEXTUAL PROMPTS - The present disclosure relates to systems, methods, and devices for sending and receiving payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send and receive electronic payments as well as exchange messages. Additional implementations involve facilitating payment transaction by inferring payment events. Still further implementations involve facilitating payment transactions between groups of users. In addition to the foregoing, one or more implementations allow a user to initiate payment transactions without first providing a payment credential. | 04-28-2016 |
20160117672 | ELECTRONIC CREDITING OF AN ACCOUNT LINKED TO A PAYMENT DEVICE - According to one aspect of the invention, there is provided a method of remotely electronically crediting an account linked to a payment device, the method comprising: placing the payment device, which is linked to the account, in communication with a computing terminal; determining in the computing terminal, the account to be credited from data stored on the payment device; indicating, to the computing terminal, an amount to credit the account, wherein the amount is in a different currency from a currency assigned to the account; receiving the amount in the different currency; converting, in a server, the amount in the different currency into the currency assigned to the account; and crediting the account with the amount in the currency assigned to the account. A server and a computing terminal that facilitates this remote electronic crediting of this account are also disclosed. | 04-28-2016 |
20160117895 | RECEIPT PROCESSING AND ACCESS SERVICE - A method including receiving a query request for a registration status of a payment account number (PAN) with an electronic receipt service; determining, in reply to the query request, whether the PAN is registered with the electronic receipt service; determining an electronic receipt handling option associated with the PAN; and sending a response including at least an electronic receipt destination address, the electronic receipt destination address being an address to which an electronic receipt associated with the PAN of the query request is to be sent. | 04-28-2016 |
20160125370 | MONEY TRANSFER BY USE OF A SYNTAX - Described is a technology for executing financial transactions, e.g., payment transfers, by enabling a sender to trigger a money transfer by specifying, in any communication message, an input having a particular syntax, the syntax including a monetary indicator preceding one or more numeric characters. The input having the syntax indicates an intent of the sender to transfer money to a recipient. The money transfer can be implemented in the context of an instant messaging application (e.g., cross-platform chat application). For example, a sender can send a chat message to a recipient, where that chat message includes an input carrying the syntax (e.g., $10). Detection of such syntax can trigger a money transfer from the sender to the recipient. | 05-05-2016 |
20160125383 | Image Recognition-Based Payment Requests - The present disclosure involves systems, software, and computer implemented methods for sending payment requests to one or more persons or entities based on images in which the persons or entities appear. In one example, the process may include identifying an image associated with a payment request, the identified image containing at least one recipient associated with the payment request, and wherein the payment request includes a value, analyzing the identified image to identify the at least one potential recipient of the payment request, identifying contact information associated with the at least one identified recipient of the payment request, and sending the payment request to the at least one identified recipient of the payment request via a destination associated with the identified contact information. | 05-05-2016 |
20160125390 | INTERACTIVE INFORMATION METHOD AND SYSTEM - Methods of providing information using an interactive information device ( | 05-05-2016 |
20160125518 | PROCESS, SYSTEM AND COMPUTER PROGRAM PRODUCT FOR ASSET MAINTENANCE - A process, system and computer program product for asset maintenance, performed by an asset management system which evaluates an expected operational life until maintenance on the asset is no longer economical, and determines a frequency and a scope of maintenance work for each asset over the expected remaining life of each asset, determines a cost of maintenance over the expected remaining life of each asset based on the frequency and scope of the maintenance work and operational factors, establishes a first maintenance agreement between an asset maintenance company and an asset owner, and a second maintenance agreement between the asset maintenance company and operator such that the maintenance agreements include the frequency, scope, and costs of maintenance work. | 05-05-2016 |
20160125523 | SYSTEMS AND METHODS FOR ENRICHING THE SEARCHABILITY OF A TRANSACTION - Methods for enriching the searchability of a transaction are provided. Methods may include receiving a raw transactional data feed at a preference rules engine. The raw transactional data feed may be associated with a transaction. Methods may include transmitting a request, from the preference rules engine to a data warehouse, for enriched transaction detail associated with a transaction identification number. The transaction identification number may be associated with the transaction. The request may include the transaction identification number. Methods may include receiving, at the preference rules engine, the transaction identification number with enriched transaction detail from the data warehouse. Methods may include appending, at the preference rules engine, the enriched transaction detail to the raw transactional data feed, thereby creating a revised transaction. Methods may include transmitting the revised transaction to a database. Methods may include transmitting the revised transaction from the database to a secondary database. | 05-05-2016 |
20160125526 | Mixed Banking Transactions - A method of fulfilling a transaction between a bank and a customer of the bank makes available a form used in a banking transaction to a customer digital device. The form has a plurality of fields. The method scans, within a physical bank branch, an encoded visual display on the client digital device. The encoded visual display has an encoded version of the form and some but not all of the plurality of fields completed with client data. The method further decodes the encoded visual display using a decoding algorithm to produce the form and completed and uncompleted fields. At least one datum may be added, within the physical bank branch, to at least one uncompleted field of the form, and the banking transaction may be processed based on the form with the at least one client datum within the at least one field of the form. | 05-05-2016 |
20160132842 | PRESENTING PREVIOUSLY HIDDEN USER INTERFACE OPTIONS WITHIN A GRAPHICAL USER INTERFACE - A system and method to associate an electronic gift certificate with a payment services account to cause presentation of the electronic gift certificate based on meeting a predetermined condition. A gift certificate is purchased on-line and associated with a recipient's payment services account by the electronic gift certificate purchaser. A graphical user interface representing the payment services account of the recipient is presented with a record of the electronic gift certificate in a hidden state within the payment services account. Determining the predetermined condition is met, unmarking the record of the electronic gift certificate and causing presentation of a gift certificate button within the user interface representing the payment services account. | 05-12-2016 |
20160132843 | MyMoney - A computer/mobile device application - A system for exchanging/transferring money between individuals or groups through a social mobile device application. Based on a mobile social media platform between known parties for personal and business monetary exchanges and payment transactions. This system will be carried out on computers or mobile devices using an online currency called MyMoney. Users will be able to transfer/pay or exchange funds via this application using the common online currency that they will buy through this application. This system's secondary purpose will be to act as a social media application where users will be able to chat with each other individually, in a group, upload videos, pictures, communicate via voice calls and video call. | 05-12-2016 |
20160132846 | ONLINE PAYMENT PROCESSING METHOD, APPARATUS AND SYSTEM - An online payment processing method, apparatus and system provide a simpler and less expensive online fund payment processing process. The method includes: sending a payment processing request from a merchant client to a payment request receiving server, the payment processing request carrying payment information; sending a uniform resource locator (URL) request to an open platform; processing payment by the open platform server based on the payment information obtained from the payment request receiving server and user information obtained from a user through a user client. | 05-12-2016 |
20160132857 | SYSTEMS AND METHODS FOR DETERMINING AN ACTUAL GEOGRAHPIC LOCATION OF A PAYMENT TRANSACTION - A computer-implemented method for determining an actual geographic location of a payment transaction is provided. The method uses an actual geographic location analyzer computer device in communication with a memory. The method includes storing, in the memory, merchant data including a merchant physical address, receiving transaction data for a payment card transaction wherein the transaction data includes a merchant identifier, determining a merchant physical address associated with the merchant identifier, determining, by the actual geographic location analyzer computer device, an actual transaction location. The actual transaction location identifies where the payment card transaction was initiated. The method also includes determining, by the actual geographic location analyzer computer device, a locational difference between the merchant physical address and the actual transaction location. | 05-12-2016 |
20160132860 | METHOD AND SYSTEM OF PROCESSING PAYMENT USING INSTANT MESSAGE SERVICE - Disclosed is a method of processing a payment using an IMS. The method includes obtaining information on a chat room generated through an instant message application between a first user and at least one second user with respect to a payment transaction of the first user, updating a payment account of the first user and a payment account of the at least one second user in response to processing the payment transaction of the first user, and outputting a message associated with the payment transaction of the first user through the chat room. | 05-12-2016 |
20160132865 | ELECTRONIC DEVICE INCLUDING A PLURALITY OF PAYMENT MODULES - An electronic device comprising: a near field communication (NFC) module; a magnetic stripe data transmission (MST) module; and at least one processor functionally coupled to the NFC module and the MST module, wherein the processor is configured to: select at least one of the NFC module or the MST module; and transmit payment information to an external device by using the selected module. | 05-12-2016 |
20160140517 | NETWORK SYSTEM, AND SERVER APPARATUS, SERVER APPARATUS CONTROL METHOD, AND COMPUTER READABLE STORAGE MEDIUM FOR USE IN SAME - In a network system where a balance of virtual currency is recorded in data D | 05-19-2016 |
20160140518 | SECURE ONLINE COMMUNICATION THROUGH A WIDGET ON A WEB PAGE - A client device requests a web page via a network, where the web page is identified by an identifier and references a widget. In response to receipt of the requested web page, the client device requests the widget referenced by the web page and presents, within the requested web page, a presentation of the widget. Thereafter, in response to a user input via the presentation of the widget, information is transmitted via a secure connection between the widget on the client device and a server. The client device optionally presents confirmation of receipt of the information via the presentation of the widget while maintaining user context in the web page | 05-19-2016 |
20160140521 | SYSTEM AND METHOD OF SOCIAL CASH WITHDRAWAL - Systems and methods for locating a cash provider using location-based technologies and transfer funds include receiving a request for cash that includes location data obtained from a location-based technology from a withdrawing party device, searching a network of active providing parties for an available providing party based on withdrawing party preferences and the location data, transmitting an alert to an available providing party device, transmitting available providing party data to withdrawing party if the providing party has confirmed availability, receiving a request to transfer a withdrawal amount from an account associated with the withdrawing party device to an account associated with a selected providing party device, receiving confirmation from the withdrawing party device that the withdrawing party has received cash, transferring the withdrawal amount from the withdrawing party to the selected providing party, and transmitting an alert to the selected providing party device that the withdrawal amount has been transferred. | 05-19-2016 |
20160140535 | PAYMENT SYSTEMS AND METHODS FOR MANAGING PAYMENT CARD USE - A method, at a mobile device, of assigning a preferred payment application stored on the mobile device to a merchant, the method comprising the steps of: receiving a selection of a merchant at the mobile device; receiving a selection of a preferred payment application; and mapping the payment application to the merchant by creating a record containing an application identifier and a merchant identifier. | 05-19-2016 |
20160140543 | Secure Payment and Reporting System - Payment data is received from a client device at a payment application in a reporting system. The payment data includes sensitive payment data required for processing a payment and non-sensitive payment data required by a report recipient that describes the processed payment. The payment data is separated into the sensitive payment data and the non-sensitive payment data. An electronic report is generated, by a report generator, which describes the payment. The generating includes: accessing a data warehouse storing at least one report template required by the report recipient, creating the electronic report based the stored report templates. And populating the electronic report with a portion of the non-sensitive payment data and excluding any of the sensitive payment data. The electronic report is transmitted to the report recipient over the communication network by the payment application. The sensitive payment data is transmitted to a payment processor over the communication network. | 05-19-2016 |
20160140562 | SYSTEMS AND METHODS FOR DETECTING TRANSACTION CARD FRAUD BASED ON GEOGRAPHIC PATTERNS OF PURCHASES - A computer-implemented method for detecting potentially fraudulent cardholder transactions is implemented by a fraud detection computer system in communication with a memory. The method includes identifying a first home location for a first cardholder, identifying an expected range of travel relative to the first home location for the first cardholder when making a typical financial transaction in at least one merchant category, receiving transaction data associated with a first financial transaction, retrieving the first home location based on the cardholder data and a merchant location for the first merchant based on the merchant data, calculating a distance of travel between the first merchant location and the cardholder home location, comparing the calculated distance of travel to the expected range of travel, and flagging the first financial transaction as potentially fraudulent upon determining that the calculated distance of travel exceeds the expected range of travel. | 05-19-2016 |
20160143456 | DISPLAY SYSTEM FOR BULK FOOD ITEMS AND RELATED METHODS - A system displaying bulk food items for sale in a public establishment includes a plurality of display units configured to be positioned on a support surface at the public establishment such that the plurality of display units are aligned along a plane that is parallel to the support surface. Each unit including a bottom supportable by the support surface, a top spaced from the bottom, and a side that extends between the top and the bottom. The system includes a plurality of containers supported by the top of at least one of the plurality of display units. Each container is configured to hold bulk food items and includes an access opening sized to permit removal of the bulk food items from the container. | 05-26-2016 |
20160148185 | SELECTING A PREFERRED PAYMENT INSTRUMENT - Selecting payment instruments for proxy card transactions comprises associating a plurality of financial accounts with a user proxy account; establishing a model for the user account based on configuration data received from a user, the model comprising identification of a particular financial account to use as a backing instrument for a transaction; receiving data associated with a pending transaction regarding the pending transaction; identifying a financial account to use as a backing instrument for the pending transaction based on a comparison of the model with the pending transaction data; receiving a selection of an alternate financial account to use instead of the identified financial account as the backing instrument; modifying the model account based on the selection of the alternate financial account and the data associated with the pending transaction; and utilizing the modified model in a subsequent selection of a financial account for a subsequent transaction. | 05-26-2016 |
20160148186 | INFORMATION PROCESSING SYSTEM, CONTROL METHOD OF INFORMATION PROCESSING SYSTEM, AND INFORMATION PROCESSING PROGRAM - An information processing system according to one embodiment includes a determination unit and a changing unit. The determination unit sets a limit amount and a security deposit amount so that the sum of the two amounts does not exceed an amount of advance payment made by a user having applied for a prepaid payment means available at a member shop of a postpaid payment means. The changing unit refers to a pool storage unit that stores a pooled amount to be used for payment for an amount billed for sales from the member shop, and adds the security deposit amount set by the determination unit to the pooled amount. The amount billed exceeds a balance of the prepaid payment means. The pooled amount includes a security deposit of another user different from the user. | 05-26-2016 |
20160148199 | Method for Calculating and Converting the Value of Currency During Financial Transactions Using an Account Backed with Precious Metals - A method for calculating and converting the value of currency during financial transactions using an account backed with precious metals using info-technological means and a computer system is a method compatible with banking system converting gold or precious metal kept on a special account into liquid assets. The account is 100% backed with intrinsic value of physical gold or physical precious metal by the bank or service provider. The account is backed by the intrinsic value of the precious metal. The gold on the backed account belongs to the owner of the account, but is held by the bank or the service provider both before it is purchased by the user and after the payments. Making all payments to the backed account as well as using the account to make payments is only performed in currency and through a digital valuator. When a payment is made to the backed account, the currency is converted into gold. When payments are made from the backed account, the gold is converted into currency (FIG. | 05-26-2016 |
20160148200 | METHODS, SYSTEMS, AND DEVICES FOR TRANSFORMING INFORMATION PROVIDED BY COMPUTING DEVICES - Example embodiments relate generally to methods, systems, and devices for transforming information. The system may comprise a network and processor. The processor may be operable to establish a first communication channel with a first device, establish a second communication channel with a second device, create a first account based on information received from the first device, create a second account based on information received from the second device, associate a first computer-enabled account to the first account and a second computer-enabled account to the second account, create a computer-processable indicia associated with the first account, create a network link between the first account and the second account, perform a transformation of information received from the first device by receiving, from the first device, a computer-processable request including the computer-processable indicia associated with the first account, and processing the computer-processable request. | 05-26-2016 |
20160148207 | System and Method for a Sustainable Unlimited Return Policy - Claimed is an extension of an online consignment store model that compensates sellers in store credit or other non-monetary instrument; recovers overhead costs using a mixed cash\store credit sale pricing scheme and/or only accepts items for disposition that were originally sold new by the vendor—or a group of associated vendors; and applies any and/or all plausible means of recovering the maximum compensation for the disposition of the good on behalf of the consumer. This effectively creates a sustainable, optimized and unlimited return policy for goods that will ideally serve as a competitive advantage for the vendor in the marketplace while simultaneously offering consumers the best possible value for their purchase. | 05-26-2016 |
20160148208 | DATA PROCESSING METHOD AND SYSTEM, TERMINAL, AND SERVER - Implementation manners of the present invention disclose a data processing method and system, a terminal, and a server, where the data processing method includes: acquiring a service processing instruction inputted by a user; generating a service processing request according to the service processing instruction, where the service processing request includes a unique identifier of the terminal; and sending the service processing request to a server, so that the server queries, according to the unique identifier of the terminal in the service processing request, an on-sale data maintenance list for product information corresponding to the unique identifier of the terminal; and processing, according to the product information corresponding to the unique identifier of the terminal, a service requested by the service processing request. The technical solutions disclosed by the present invention require no complex manual operations, thereby decreasing an error rate, improving a service processing speed. | 05-26-2016 |
20160148286 | SYSTEM AND METHOD FOR ALLOCATING CONTRIBUTIONS TO RECIPIENTS AFFILIATED WITH A CAUSE - A method for allocating standardized gifts to recipients. The method includes converting monetary gifts to a plurality of standardized gifts, distributing those gifts to a set of recipients, and providing a communication link between the donors of the standardized gifts and the recipients of the standardized gifts if the gift is accepted by the recipient. The distribution of the gifts may be determined based on a ranking of the gifts based on the initial gift size and date. The recipient pool may be determined based on a ranking of length of time since last gift received and the number of gifts received over a given period by the recipient. The communication link may be formed based on identification information of the donor associated with a gift and the identification information for the matched recipient. Unaccepted gifts may be recirculated and matched with other recipients. | 05-26-2016 |
20160155090 | System and Method of Providing Replenishment and Pick-up Services to One or More Cash Handling Devices | 06-02-2016 |
20160155102 | USER-FRIENDLY TRANSACTION INTERFACE | 06-02-2016 |
20160162851 | METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS - Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target user. A settlement account of the value provider may be reduced by the value amount. A target account of the target user may be increased by the value amount. | 06-09-2016 |
20160162853 | GIFT CARD ASSOCIATION WITH ACCOUNT - Embodiments of the invention are directed to systems, methods and computer program products for associating gift cards with accounts. An exemplary apparatus is configured to: receive information associated with a gift card; associate the gift card with the account; receive information associated with a transaction; determine the transaction qualifies for the gift card; and apply funds associated with the gift card to the transaction. | 06-09-2016 |
20160162868 | GIFT CARD ASSOCIATION WITH ACCOUNT - Embodiments of the invention are directed to systems, methods and computer program products for associating gift cards with accounts. An exemplary apparatus is configured to: receive information associated with a gift card; associate the gift card with the account; receive information associated with a transaction; determine the transaction qualifies for the gift card; and apply funds associated with the gift card to the transaction. | 06-09-2016 |
20160162878 | Mobile Payment Using Point of Sale Generated Barcode - A system and a method of transferring funds from a Client using a mobile device equipped with network connection and a digital camera to a Merchant. The mobile device is linked to the merchant's transaction by a visual element such as a barcode which is generated for each transaction and intermediated by the Payment Provider. | 06-09-2016 |
20160163001 | PAYROLL SYSTEM TO FACILITATE EMPLOYEE BUDGET CONTROL AND METHODS THEREOF - Embodiments of the present invention generally relate to a financial budget control enhancement method for remote access that may be implemented in a financial service computer having a processor and a memory in communication with the processor, wherein the method may include receiving employee data comprising an employer pay schedule and an ordinary pay amount each pay period of the employer pay schedule for an employee; the processor establishing a secure communications channel to a portable device associated with the employee; receiving a pay data from the portable device via the secure communications channel, the pay data including a request to create a customized periodic payment plan, the customized periodic payment plan having a customized pay schedule different than the employer pay schedule. | 06-09-2016 |
20160163004 | ACTIVITY LIST FILTERS FOR A FINANCIAL AND SOCIAL MANAGEMENT SYSTEM - Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, contact lists, calendars, and the like, and associates the activity information and images with the activities. The financial and social management system may determine locations, social relationships, entities, categories, or the like from the various sources of information and tag the activities with location tags, social relationship tags, entity tags, category tags, or the like. The tags allow the user to easily filter the activities based on the location, social relationship, entity, category, or other activity information and display the activities and activity information in customized interfaces. | 06-09-2016 |
20160163005 | Renewable Natural Gas Rights System and Method - Systems and methods of providing renewable natural gas rights and acquiring the renewable natural gas rights are disclosed. More particularly, disclosed are systems and methods for managing natural gas, biogas, renewable natural gas credits, and other rights associated with purchasing, selling, and/or delivering natural gas to customers. | 06-09-2016 |
20160171447 | METHODS AND SYSTEMS FOR PROVIDING PROMOTIONAL VIDEO | 06-16-2016 |
20160171457 | ELECTRONIC PAYMENT SYSTEM | 06-16-2016 |
20160171474 | System, Method and Device for Performing a Transaction | 06-16-2016 |
20160171481 | SENDING AND RECEIVING PAYMENTS USING A MESSAGE SYSTEM | 06-16-2016 |
20160171486 | Devices, Systems and Methods for Data Processing | 06-16-2016 |
20160171490 | SEARCHABLE TRANSACTION BASED COMMERCE DATABASE | 06-16-2016 |
20160178678 | METHOD AND APPARATUS FOR CONTROLLING THE POWER SUPPLY FROM AN ELECTRIC VEHICLE TO A DWELLING OR TO AN AC POWER DISTRIBUTION NETWORK | 06-23-2016 |
20160180301 | SIMPLIFYING USER INTERACTION IN COMPUTER-AIDED TRANSACTION PROCESSING SYSTEM | 06-23-2016 |
20160180316 | TECHNIQUES TO AUTOMATICALLY PREDICT AND CONFIGURE PAYMENT TRANSACTIONS | 06-23-2016 |
20160180317 | OFFLINE PEER-TO-PEER TRANSACTIONS | 06-23-2016 |
20160180318 | METHODS AND SYSTEMS FOR IDENTIFYING FUNDS TRANSFER OPPORTUNITIES IN ELECTRONIC MEDIA | 06-23-2016 |
20160180324 | METHOD AND SYSTEM FOR ACCRUAL AND SPENDING OF SMALL CHANGE TRANSACTIONS | 06-23-2016 |
20160180328 | Systems and Methods for Services Enrollment Using a Mobile Device | 06-23-2016 |
20160180337 | COMPLIANCE ENHANCEMENTS DUE DILIGENCE AT STAGING | 06-23-2016 |
20160182739 | Delivery of Value Identifiers Using Short Message Service (SMS) | 06-23-2016 |
20160189119 | FACILITATING PRESENTATION OF CONTENT RELATING TO A FINANCIAL TRANSACTION - Systems, methods and computer-readable media for facilitating the provision of content associated with a financial transaction are disclosed. The content may be identified by a requestor of the financial transaction or any party to the financial transaction. The content may also be generated by a service provider system that executes the financial transaction. A content location identifier that identifies a location where the content is stored may be identified or generated and may be included in or otherwise provided in association with a debit or credit instruction. The content location identifier may facilitate access to the content by any of a variety of systems or users. | 06-30-2016 |
20160189129 | CLOUD SERVICE SYSTEM AND METHOD FOR PROVIDING AN INTEGRATED PAYMENT SERVICE - A cloud service method to provide an integrated payment service may include providing a service provider with a website that provides a service provider interface; receiving an application key value corresponding to at least one online application store among application key values issued from a plurality of online application stores, and registering the issued application key value and information for interaction with an online application store, input from the service provider, through the website; registering an item for an application based on information for interaction with the registered online application store; and providing a terminal in which the application is installed with a single interface generated using a payment application programming interface (API) for providing an integrated payment service in response to a request for payment for at least one item among registered items from the application. | 06-30-2016 |
20160189131 | LOW BATTERY AND DIGITAL WALLET - A system and/or method may be provided to assure a payment being made via a user device before the user device fully runs out of battery power. In particular, while a user device is running out of battery power, the system may allow a user to designate a merchant/user/service to which the user may make payments via a user device without user authentication and/or awareness. Under the same situation of low battery power, the system may also allow the user to make payments to a merchant/user/service with which the user frequently shops without user authentication and/or initial awareness. After the payment being made, the system may communicate with the user with further action, which requires no or low consumption of battery power. | 06-30-2016 |
20160189140 | NEAR FIELD CONTACTLESS SYSTEM AND METHOD FOR ONLINE TRANSACTIONS - Systems, methods, and apparatuses are directed to conducting online transactions by virtue of a near field communication (NFC) reading mechanism configured to contactlessly read NFC-compliant provisioning information including a monetary value. Moreover, logic is configured to initiate establishment of a communication link, automatically send a request message to confirm the read provisioning information via the communication link, store at least a portion of the provisioning information in a secure memory unit, and based on the confirmation of the provisioning information, automatically present on a display unit, the monetary value, selectable transaction options, and an online information resource link to accommodate execution of a selected transaction option. | 06-30-2016 |
20160189142 | METHODS AND SYSTEMS OF SECURE CREDIT-CARD COMMERCE TRANSACTIONS - In one aspect, a computerized method for secure credit card commerce transactions can include the step of receiving in a computer with a memory, from a user-side computing device, an electronic message that a user intends to use a credit card, wherein the electronic message comprises a request to activate the credit card, and wherein the credit card is initially in an inactive state. With at least one processor of the computer implementing the following steps can be implemented: placing the credit card in an active state; detecting that the credit card has been used for a commercial transaction; and placing the credit card in an inactive state after it has been detected that the credit card has been used for a commercial transaction. | 06-30-2016 |
20160189159 | PEER LOCATION DETECTION TO DETERMINE AN IDENTITY OF A USER - There are provided systems and methods for peer location detection to determine an identity of a user. A user may initiate a transaction request for approval at a merchant location that the merchant rarely or has never visited. The transaction request may be initiated with a communication device of the user or through a payment instrument where the user has the communication device while at the merchant's location. The user may choose to not share the user's location using the communication device, thus, a payment processing service may not utilize the user's location as additional fraud detection. However, another user associated with the user may choose to share the location of the other user, such as through the communication device or in another transaction or transaction request. The payment processing service may detect the location of the associated user to assess a risk of fraud. | 06-30-2016 |
20160191411 | CLOUD SERVICE SYSTEM AND METHOD - A cloud service method of a cloud service system may include providing a service provider with a website that provides a service provider interface; generating a project in response to a computing service request from the service provider, generating types of instances corresponding to the generated project, and setting computing resources for managing the generated instances and a network, through the website; and analyzing a state of at least one instance selected by the service provider from among the generated instances, and providing the service provider with information about the analyzed instance state through the website. | 06-30-2016 |
20160196546 | APPARATUS AND METHOD FOR COMMERCIAL TRANSACTIONS USING A COMMUNICATION DEVICE | 07-07-2016 |
20160196590 | SYSTEM AND METHOD FOR SUPPORTING STUDENT ATHLETICS PROGRAMS | 07-07-2016 |
20160196591 | SYSTEM AND METHOD FOR MAKING AND TRACKING CHARITABLE CONTRIBUTIONS | 07-07-2016 |
20160203447 | ELECTRONIC PLATFORM FOR REMOVAL OF INFORMATION FROM AN AUTOMATED CLEARING HOUSE ("ACH") ADDENDA RECORD | 07-14-2016 |
20160203449 | Multiple Merchant Credit System and Method | 07-14-2016 |
20160203457 | TRANSACTION SYSTEM, PROCESSING DEVICE, AND CONTROL DEVICE | 07-14-2016 |
20160203462 | Method for sharing sale proceeds from E-commerce seller of mobile application | 07-14-2016 |
20160203467 | Apparatuses and Methods for Operating a Portable Electronic Device to Conduct Mobile Payment Transactions | 07-14-2016 |
20160203496 | Multivariate Dynamic Rules Engine Framework and System | 07-14-2016 |
20160203526 | SYSTEMS AND METHODS FOR MICRODONATIONS DERIVED FROM A CAPTURED RECEIPT IMAGE | 07-14-2016 |
20160253635 | SYSTEMS, METHODS, AND COMPUTER-READABLE MEDIA FOR RECONCILING DEPOSITS | 09-01-2016 |
20160253651 | ELECTRONIC DEVICE INCLUDING ELECTRONIC PAYMENT SYSTEM AND OPERATING METHOD THEREOF | 09-01-2016 |
20160253652 | ELECTRONIC DEVICE PROVIDING ELECTRONIC PAYMENT FUNCTION AND OPERATION METHOD THEREOF | 09-01-2016 |
20160253653 | PAYMENT CHECKOUT WITHIN AN APPLICATION | 09-01-2016 |
20160253659 | SYSTEM AND METHOD FOR CHOPPING UP AND PROCESSING GIFT CARDS | 09-01-2016 |
20160253672 | SYSTEM AND METHODS FOR DETECTING FRAUDULENT TRANSACTIONS | 09-01-2016 |
20160379180 | MONITORING MODULE USAGE IN A DATA PROCESSING SYSTEM - Embodiments of the invention monitor node usage in a transaction processing system. Embodiments include accessing a dynamic mapping of transaction flow in the transaction processing system, the dynamic mapping including a plurality of transaction pathways interconnected by transaction nodes, wherein the transaction nodes represent an automated processing step or action taken by a manual station of the transaction processing system on transactions files that are received at the transaction nodes; wherein the transaction processing system processes a transaction file at a first node and stores information corresponding to the first node and the type of processing that occurred at the first node with the transaction file; determining that the transaction file was processed at the first node; accessing the transaction file to determine the type of processing that occurred at the first node; and performing an action related to the type of processing that occurred at the first node. | 12-29-2016 |
20160379188 | METHODS AND APPARATUS FOR FINANCIAL TRANSACTIONS - Methods and apparatus for transferring funds are disclosed. In particular methods and systems for transferring funds comprising: receiving an image of a logo from a mobile device wherein the image of a logo has been captured by an image capture device integrated into the mobile device; receiving data from the mobile device, the data associated with the image of a logo and identifying a sending party's account; comparing the image of a logo with a plurality of images of logos stored in a database; finding a matching image from the plurality of images of logos; determining a receiving party's account associated with the matching image; and, causing funds to be transferred from the sending party's account to the receiving party's account. | 12-29-2016 |
20160379189 | NON-INTERFERING TRANSACTIONS - Embodiments relate to non-interfering transactions. An aspect includes receiving, by a first transaction, a conflicting remote access request from a requester, the remote access request being directed to a memory area that is owned as part of at least one of a transactional read set and transactional write set by the first transaction. Another aspect includes determining whether the requester is a second transaction that is indicated as a non-interfering transaction with respect to the first transaction. Another aspect includes, based on determining that the requester is indicated as a non-interfering transaction with the first transaction, handling the remote access request. Yet another aspect includes continuing execution of the first transaction and the second transaction after handling the remote access request. | 12-29-2016 |
20160379199 | ENSURING BATCH INTEGRITY IN A PAYMENT INSTRUMENT EXCEPTIONS PROCESSING SYSTEM - Embodiments of the invention include systems, methods, and computer-program products for ensuring payment instrument batch integrity. Embodiments determine an expected balance associated with a batch of payment instruments; determine an amount associated with each of the payment instruments in the batch; sum the amounts, resulting in a total balance; compare the total balance with the expected balance; determine that the total balance is not equal to the expected balance; in response to determining that the total balance is not equal to the expected balance, identify payee information extracted from at least one of the payment instruments; and use the identified payee information to determine an outlier payment instrument. | 12-29-2016 |
20160379201 | System and Methods for Providing Gratuity Based on Location - A system, method, and computer-readable storage medium configured to facilitate gratuities to individuals and employees of establishments based on location. | 12-29-2016 |
20160379202 | PROVIDING LOCATION-BASED FEEDBACK SERVICES - Facilitating rendering of a digital gratuity, with or without an associated value, to a service worker by a customer. A communication device associated with a geographical area and at least one service worker can be detected by a mobile computing device associated with a customer. The mobile computing device can receive signals from the communication device. A location can be determined for the mobile computing device associated with the customer and a determination can be made as to whether a service worker is within a threshold distance from the mobile computing device of the customer. In response to determining that a service worker is within a threshold distance of the mobile communication device, a rendering of a digital gratuity by the customer to the service worker can be effectuated. | 12-29-2016 |
20170236112 | METHOD, NON-TRANSITORY COMPUTER-READABLE MEDIUM AND SYSTEM FOR COMPUTER-BASED CROWDFUNDING | 08-17-2017 |
20170236115 | METHOD AND/OR SYSTEM FOR EXTENDING PAYMENT SYSTEM ARCHITECTURES AND/OR LEGACY ORDER PROCESSING SYSTEMS TO MOBILE COMMERCE APPLICATIONS VIA TEXT MESSAGING | 08-17-2017 |
20170236119 | SYSTEM AND METHOD FOR IMPLEMENTING MULTI-RATE CURRENCY ASPECTS OF MULTI-BOOK ACCOUNTING | 08-17-2017 |
20170236200 | METHODS AND APPARATUS FOR MANAGING INFORMATION IN CONNECTION WITH AN ACCOUNT-BASED RECYCLING PROGRAM | 08-17-2017 |
20170236357 | SYSTEM AND METHOD FOR COLLECTING AND DISBURSING ELECTRONIC GRATUITIES | 08-17-2017 |
20180025137 | METHOD AND SYSTEM FOR DELIVERING APPLICATION PACKAGES BASED ON USER DEMANDS | 01-25-2018 |
20180025330 | SYSTEM AND METHOD FOR FACILITATING PAYMENT FOR A THIRD PARTY'S APPLICATION SUBSCRIPTION | 01-25-2018 |
20180025331 | MOBILE BANKING SYSTEM AND METHOD | 01-25-2018 |
20180025333 | METHOD FOR COLLECTING AND PROCESSING ELECTRONIC DONATIONS FROM AN FINANCIAL ACCOUNT | 01-25-2018 |
20180025341 | Dynamic Payment Mechanism Recommendation Generator | 01-25-2018 |
20180025347 | Server for Managing Card Transaction Service, Card Transaction Service Management Method, and Card Transaction Service Management System | 01-25-2018 |
20180025356 | COMPUTER DEVICE FOR MONITORING FOR FRAUDULENT ACTIVITY | 01-25-2018 |
20180025396 | IDENTIFICATION OF AMOUNTS IN TRANSACTIONS FOR ASSOCCIATION WITH TRANSACTION RECORDS | 01-25-2018 |
20180025421 | System and Method for Providing Time to Cure Negative Balances in Financial Accounts While Encouraging Rapid Curing of Those Balances to a Positive Net Position | 01-25-2018 |
20180027388 | WIRELESS COMMUNICATION DEVICE | 01-25-2018 |
20190146741 | DISPLAY MODULE AND DISPLAY DEVICE WITH NEAR FIELD COMMUNICATION MODULE | 05-16-2019 |
20190147416 | SYSTEM AND METHOD FOR FACILITATING MOBILE PAYMENTS VIA MOBILE MESSAGING | 05-16-2019 |
20190147417 | Item Information Retrieval System | 05-16-2019 |
20190147435 | SYSTEMS AND METHODS FOR PROCESSING ELECTRICAL ENERGY-BASED TRANSACTIONS | 05-16-2019 |
20190147459 | PRODUCTS AND PROCESSES FOR REVENUE SHARING AND DELIVERY | 05-16-2019 |
20220138705 | Search Engine with Automated Blockchain-Based Smart Contracts - Search Engine with automated blockchain-based smart contracts. In an embodiment, a user may utilize a search engine to search properties, select a property, and accept an agreement related to the property. After the agreement is approved, a smart contract, representing the agreement, may be automatically generated from a template, compiled, and deployed to a blockchain. The smart contract may be generated to comprise functions that enable the user to add properties to the agreement by sending different types of crypto tokens to the smart contract as transactions on the blockchain. | 05-05-2022 |
20220138708 | DISPOSITION OF TRANSACTIONS AFTER-THE-FACT - Examples described herein relate to apparatuses and methods that include determining that an initial transaction based on a first account of a user is processed for the user associated with a user device, determining attribute changes to the first account or to a second account of the user after the initial transaction has been processed, determining that the attribute changes to the first account or to the second account cause the second account to be more preferable than the first account, and automatically modifying the initial transaction to be based on the second account. | 05-05-2022 |