Patent application number | Description | Published |
20120061464 | OVERAGE SERVICE INVOLVING OVERAGE MAGNETIC STRIPE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service involving an overage magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving overage swipe information indicating that an overage magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the overage swipe information. | 03-15-2012 |
20120066077 | OVERAGE SERVICE VIA MOBILE DEVICE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting the holder to consent to the overage via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 03-15-2012 |
20120066078 | OVERAGE SERVICE USING OVERAGE PASSCODE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service using an overage passcode. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) receiving an overage passcode associated with the account; and (d) authorizing the transaction based at least partially on the receiving the overage passcode. | 03-15-2012 |
20120066126 | OVERAGE SERVICE VIA TRANSACTION MACHINE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the overage; (d) receiving the holder's consent to the overage; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 03-15-2012 |
20120066127 | OVERAGE SERVICE SUBJECT TO CONDITION - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an overage service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: (a) receiving, from a holder of an account, consent to a future overage, where the future overage is a result of a future overage transaction involving the account, and where the consent is valid only if a predetermined condition is met; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction was initiated after the receiving the consent; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the predetermined condition is met and/or that the holder's consent is valid for the transaction; and (e) authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met. | 03-15-2012 |
20120185389 | OFFSETTING FUTURE OVERAGE FEES - In general terms, embodiments of the present invention relate to methods and apparatuses for prepaying, covering, avoiding, negating, and/or otherwise offsetting future overage fees. For example, in some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future overage fees, where the one or more payments are associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an overage as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an overage fee associated with the overage; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient. | 07-19-2012 |
20120197743 | SINGLE ACTION MOBILE TRANSACTION DEVICE - Embodiments of the invention allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a minimum number of inputs, such as a single input. Some embodiments of the invention provide an apparatus comprising an input device configured to receive input from a user, a communication device configured to transmit wireless signals to a transaction device, a memory comprising predetermined payment information stored therein and a processor communicably coupled to the input device, the communication device and the memory and configured to: receive transaction information from the transaction device related to a transaction; receive a first input from the user; determine if the first input matches a user defined action stored in memory, and use the communication device to wirelessly transmit the predetermined payment information and authorize payment if the first input matches the user defined action stored in memory. | 08-02-2012 |
20120284183 | Entry Level Banking Products - Entry level banking products that may be offered through traditional sales channels (e.g., retail banking locations, online, etc.) or alternative sales channels (co-placement or co-branded with a third-party), to new customers who traditionally do not rely on conventional or mainstream checking, savings, and/or credit account products are described herein. The methods and systems described herein provide predictable, low cost pricing, guardrails on spending, budget controls, and financial education, while designed to be a low cost solution to serve all markets of banking customers. Aspects may include a variety of financial products, including a reloadable prepaid card, savings account or savings wallet, custom savings plan services, a contactless payment sticker, budget tools, online banking, online bill pay, convenience checks, and low monthly fees. A bundled package including the payment card and tag, as well as other information, may be made available from banking centers (e.g., bank branches) based on a client needs assessment, as well as made available in prepackaged containers sold or distributed at merchants, e.g., on J-hook racks or similar displays. | 11-08-2012 |
20130041821 | FRAUD MESSAGING SERVICE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a fraud messaging service. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, and where the account is held by an account holder; (b) determining, based at least partially on the transaction information, that the transaction has triggered a fraud rule; (c) prompting, via a mobile device, the holder to consent to the transaction, where the mobile device is associated with the holder, and where the prompting the holder is based at least partially on the determining that the transaction has triggered the fraud rule; (d) receiving the holder's consent to the transaction; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 02-14-2013 |
20130173403 | E-RECEIPT BARCODE ON MOBILE DEVICE THAT IS READABLE BY POINT OF TRANSACTION FOR PURCHASE - Embodiments of the invention provide a system for maintaining and presenting proof of transaction information. In some embodiments of the invention, the user conducts a return or exchange transaction through the use of a mobile computing device that is capable of communicating with a point of transaction device. In some embodiments, a system is provided that includes: (1) a communication interface (2) a storage device, wherein said storage device comprises an indicia associated with a transaction and used to verify proof of transaction information and (3) a processing device in communication with said communication interface and said storage device, wherein said processing device is configured to: retrieve the indicia associated with a proof of transaction information from said storage device and provide information associated with the indicia associated with the proof of transaction information to said communication interface for output to thereby verify the proof of transaction information. | 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 |
20130173556 | MOBILE DEVICE DATA ARCHIVING - Mobile devices such as cell phones, “smart” phones, personal data assistants (PDA's) and the like are equipped for accessing and storing all types of media, including movies, music, software applications, as well as copious amounts of associated data. Accordingly, a need exists for methods, apparatuses and computer program products that assist mobile device users in archiving data, configuring the data, and restoring the data to the same device, or a new mobile device running the same or different operating system. Embodiments of the claimed invention address the above needs and/or achieve other advantages by providing systems for archiving data on a mobile electronic device on a plurality of data storage media, and by providing similar means of restoring the archived data to the same or different mobile device. | 07-04-2013 |
20130212021 | AMOUNT-EXCEEDING-CREDIT-THRESHOLD SERVICE SUBJECT TO CONDITION - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an amount-exceeding-credit-threshold service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: determining that an account will exceed a credit threshold associated with the account as a result of a transaction, determining that a predetermined condition is met and/or that the consent of the holder of the account is valid for the transaction, and authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met. | 08-15-2013 |
20130212023 | OFFSETTING FUTURE EXCEEDED ACCOUNT THRESHOLD PAYMENTS - In general terms, embodiments of the present invention relate to methods and apparatuses for offsetting future exceeded account threshold payments. In some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future exceeded account threshold payments associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an exceeded account threshold as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an exceeded account threshold payment associated with the exceeded account threshold; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient. | 08-15-2013 |
20130214042 | EXCEEDED ACCOUNT THRESHOLD SERVICE INVOLVING EXCEEDED ACCOUNT THRESHOLD MAGNETIC STRIPE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves a transaction machine and an account, and where the account is associated with a credit/debit card; (b) determining, based at least partially on the transaction information, that the account will incur an account exceeding available funds or credit as a result of the transaction; (c) receiving account exceeding available funds or credit swipe information indicating that an account exceeding available funds or credit magnetic stripe of the credit/debit card was swiped at the transaction machine; and (d) authorizing the transaction based at least partially on receiving the account exceeding available funds or credit swipe information. | 08-22-2013 |
20130218694 | SERVICE FOR EXCEEDING ACCOUNT THRESHOLDS VIA TRANSACTION MACHINE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 08-22-2013 |
20130218697 | SERVICE FOR EXCEEDING ACCOUNT THRESHOLDS VIA MOBILE DEVICE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent. | 08-22-2013 |
20130218777 | SERVICE FOR ACCOUNT WITH UNAVAILABLE FUNDS OR CREDIT USING A PASSCODE - In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit. | 08-22-2013 |