Patent application number | Description | Published |
20080243690 | 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. | 10-02-2008 |
20080243705 | Third-Party Gift Registry And Payment System - A third-party gift registry system is disclosed. The system provides consumers access to at least one third-party gift registry. The at least one third-party gift registry includes a listing of gifts selected by a registrant at least one merchant. The system receives a gift selection from a consumer for a gift listed in a first third-party gift registry. A payment may then be received from the consumer at an agent location for the gift selection. The system then transfers at least a portion of the payment for the gift selection to the third-party merchant. | 10-02-2008 |
20090089193 | BILL PAYMENT AGGREGATION SERVICE - Tools for providing bill aggregation and/or payment services. In an aspect, such tools aggregate all payments over a given period of time, allowing a user to make a single payment to ensure that all appropriate bills are paid in timely fashion. In another aspect, the tools determine, without requiring user input, an amount due on each bill, as well, in some cases, of a due date for each payment. Optionally, the tools can provide a consolidated statement to inform the user of payments to be made over a given period. Such statements can provide a varying level of detail, depending on the implementation and/or on user preferences. In some cases, a consolidated statement might provide line items and/or detailed support for each payment to be made. In other cases, the consolidated statement might simply provide a single consolidated payment amount. | 04-02-2009 |
20090327111 | BILL PAYMENT IN ASSOCIATION WITH TELEVISION SERVICE PROVIDERS SYSTEMS AND METHODS - Systems, methods, and devices for a television-based bill payment system are disclosed. The methods and systems include a television system that is configured to receive and transmit user-specific information and to display a user interface. The methods and systems also include a television provider network that is operated by a television service provider, configured to transmit and receive user-specific information with the television system and the television service provider network is configured to communicate with a bill payment provider. The methods and systems include a bill payment provider that communicates with the various billers. The bill payment provider is configured to communicate with the user through the televisions service provider network, and the bill payment provider is configured to bill a funding source selected by the user from the one or more funding sources. | 12-31-2009 |
20100042517 | UNIVERSAL LOYALTY SYSTEMS AND METHODS - The invention provides various systems and methods for providing universal access to loyalty programs and/or financial accounts. The method includes initializing a universal loyalty program account and financial account device. The method further includes associating loyalty program accounts and/or financial accounts with the universal loyalty program and financial instrument device. The method then accesses at least one of the loyalty program accounts and/or the financial accounts at a customer facing device using the universal loyalty program account and financial account device. | 02-18-2010 |
20100169212 | LOCATION-BASED MONEY TRANSFER - The invention provides various systems and methods for performing money transfers using location information. The method includes staging, at computer system, a money transfer transaction from a sender to a receiver. The method further includes providing the receiver's mobile number to the computer system, and tracking the receiver's location using a location tracking computer system. Further, the method includes determining if the receiver is within a proximity threshold to an agent location. The agent location is configured to distribute funds from the money transfer. The method then, in response to the receiver being within the proximity threshold to the agent location, notifies the receiver of the agent location's address, and dispenses the funds from the agent location. | 07-01-2010 |
20100332390 | TRANSACTIONS WITH IMAGING ANALYSIS - A money transfer system with imaging. The system includes a first money transfer terminal and an imaging device. The imaging device is configured to acquire a first set of imaging information of a user. The system also includes a host computer system, configured to receive at least a portion of the first set of financial transaction information and at least a portion of the first set of imaging information. The system also includes a previous transaction database, an external database, and a decision maker terminal. The system also includes a second money transfer terminal and a second imaging device. The second imaging device is configured to acquire a second set of imaging information of the second user. | 12-30-2010 |
20110246328 | ITEM-SPECIFIC MONEY TRANSFER METHODS AND SYSTEMS - The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item. | 10-06-2011 |
20110316665 | PERSONAL WRITING DEVICE WITH USER RECOGNITION CAPABILITIES AND PERSONAL INFORMATION STORAGE - Systems and method for a handheld biometrically secured user input device are described. A biometric authentication device may be coupled with a handheld enclosure, the biometric authentication device capable of collecting user authentication information from a user to authenticate the user's identity. A computer-readable storage device may be coupled with the handheld enclosure for storing confidential financial information of the user, wherein access to the confidential financial information is granted only after the user's identity has been authenticated. A sensor may be coupled with the handheld enclosure, capable of capturing the user's handwriting. Also, a communication device may be configured to transmit information gathered with the sensor to a computer system. | 12-29-2011 |
20110320352 | BIOMETRICALLY SECURED USER INPUT FOR FORMS - Systems and methods for collecting biometrically secured financial form data from a user are described. A user input device may receive biometric data from the user. The user may be presented with a visual medium. The visual medium may contain a plurality of fields for information necessary to conduct a financial transaction. Handwriting data may be received from the user. At least a portion of the handwriting may represent information corresponding to the plurality of fields for information necessary to conduct the financial transaction. At least a portion of the information corresponding to the plurality of fields for information necessary to conduct the financial transaction may be transmitted from the user input device to a computer system. | 12-29-2011 |
20110320353 | MULTI-USER DEVICE WITH INFORMATION CAPTURE CAPABILITIES - Methods and systems, related to a biometrically secured user input device for conducting a transaction are described. The user input device may comprise a biometric authentication device. At the biometrically secured user input device, a biometric sample may be received from a user. The biometrically secured user input device may transmit the biometric sample, provided by the user, to a host computer system. The host computer system may compare the biometric sample provided by the user to another biometric sample. Handwriting data from the user may then be received by the user input device. The handwriting data may be transmitted to a computer system by the user input device. Transaction data based on the handwriting data may be transmitted from the computer system to a host computer system. The financial transaction may be conducted using the transaction data transmitted to the host computer system from the computer system. | 12-29-2011 |
20120166295 | SECURE CONTACTLESS PAYMENT SYSTEMS AND METHODS - According to the invention, a system for providing payments to a point of sale device is disclosed. The system may include a mobile device having a storage medium, an input device, a wireless transmission device, and a processor. The storage medium may include individual authentication information and device authentication information. The input device may be configured to receive an input. The wireless transmission device may be configured to selectively transmit the device authentication information to a nearby point of sale device. The processor may be configured to compare the input with the individual authentication information, and activate the wireless transmission device to transmit the device authentication information if the input is correlated with the individual authentication information. | 06-28-2012 |
20130159190 | LOCATION-BASED MONEY TRANSFER - The invention provides various systems and methods for performing money transfers using location information. The method includes staging, at computer system, a money transfer transaction from a sender to a receiver. The method further includes providing the receiver's mobile number to the computer system, and tracking the receivers location using a location tracking computer system. Further, the method includes determining if the receiver is within a proximity threshold to an agent location. The agent location is configured to distribute foods from the money transfer. The method then, in response to the receiver being within the proximity threshold to the agent location, notifies the receiver of the agent location's address, and dispenses the funds from the agent location. | 06-20-2013 |
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 |
20140297480 | ITEM-SPECIFIC MONEY TRANSFER METHODS AND SYSTEMS - The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item. | 10-02-2014 |
20140297532 | ITEM-SPECIFIC MONEY TRANSFER METHODS AND SYSTEMS - The invention provides various systems and methods for implementing item-specific money transfers. The method includes receiving identification of an item, determining a vendor and a price of the item, and receiving, from a receiver, a money transfer request for an amount of the price of the item. The money transfer request identifies a sender. The method further includes sending the money transfer request to the sender, receiving, from the sender, authorization for a money transfer in an amount of the price of the item. The authorization includes an indication that funds from the money transfer are restricted for use only for the item. | 10-02-2014 |
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 |
Patent application number | Description | Published |
20090006183 | METHODS AND SYSTEMS FOR CUSTOMIZED COUPON GENERATION - The invention provides various systems and methods for determining if a coupon should be offered and/or for determining the terms of such coupons based on information provided by a party to a transaction. In one exemplary embodiment, a method is provided for electronically generating coupons when performing money transfer transactions. According to the method, money transfer transaction information used to perform a money transfer transaction is provided. The money transfer transaction information is processed through a rules engine to determine a coupon offer based on the money transfer transaction information. The coupon offer is electronically generated so that it may be provided to a party to the transaction. | 01-01-2009 |
20090217552 | Front-opening footwear systems - The present invention relates to articles with cavities capable of receiving objects as a result of extending an opening into a cavity capable of receiving the objects. For example, the opening in an article of footwear can be extended into the toe box to allow for the easier insertion and removal of a foot. The present invention also relates to systems that permit the article to be secured to the object after it has been inserted. | 09-03-2009 |
20120291310 | Fully-Opening Footwear Systems - The present invention relates to articles with cavities capable of receiving objects as a result of extending an opening into a cavity capable of receiving the objects. For example, the opening in an article of footwear can be extended into the toe box to allow for the easier insertion and removal of a foot. The present invention also relates to systems that permit the article to be secured to the object after it has been inserted. | 11-22-2012 |
20130238501 | BIOMETRIC BASED AUTHORIZATION SYSTEMS FOR ELECTRONIC FUND TRANSFERS - A money transfer authorization method that includes the step of providing transferor biometric information to a party verification processor that verifies an identity of the transferor by comparing the transferor biometric information with previously registered biometric information from the transferor, where the transferor provides transfer identity information to receive the money. The method also includes confirming that the verified transferor has sufficient funds or credit for the money transfer, and providing transferee biometric identification to the party verification processor that verifies the transferee by comparing the transferee biometric information with previously registered biometric information from the transferee. The transferee has to provide transfer identity information before the money is given to the transferee. | 09-12-2013 |
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 |