38th week of 2014 patent applcation highlights part 202 |
Patent application number | Title | Published |
20140279405 | RESIDENTIAL REAL ESTATE APPRAISAL FORM ANALYSIS SYSTEMS AND RELATED METHODS - Embodiments of form analysis systems are disclosed herein. Other examples and related methods are also presented herein. | 2014-09-18 |
20140279406 | AUTOMATED RISK MONITORING METHOD AND SYSTEM - The invention relates to an automated risk monitoring method and a corresponding risk monitoring system for automated risk monitoring, in the case of which control data for different companies are transferred to a monitoring unit and evaluated, a company specific asset distribution and a corresponding threshold value being determined, said threshold value corresponding to the expected value of the asset parameter for the occurrence of the insolvency of a company, recovery rate factors being determined by means of a standardization module of the monitoring unit, and wherein, using a MonteCarlo module of the monitoring unit ( | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
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. | 2014-09-18 |
20140279449 | AUTOMATED VEHICLE LOAN PAYMENT REMINDERS - A payment reminder may be received by a payment reminder application executed by a computing device. The payment reminder may request payment of a vehicle loan associated with a registered combination of a vehicle identification number and an occupant identifier associated with the vehicle loan. The payment reminder application may verify appropriate vehicle occupants are available to receive the payment reminder, and may deliver the received payment reminder to the appropriate vehicle occupants at an appropriate time for occupant safety and privacy. The payment reminder application may also provide other types of reminders or messages targeted to the vehicle occupants. | 2014-09-18 |
20140279450 | METHOD AND SYSTEM FOR A SECURE DIGITAL REPOSITORY FOR ALL CUSTOMER DOCUMENTS, WITH A DOCUMENT INHERITANCE FACILITY - A system and method are disclosed for a secure digital repository for all of customer's documents in a secure, easily retrievable digital form. The system gathers documents in paper and electronic form from the customer and institutions with whom the customer is associated, reads the documents to create a calendar with automated reminders for the customer, and establishes an automated system to detect death and other significant events, and to disburse documents to persons inheriting them as directed by the customer. | 2014-09-18 |
20140279451 | Escrow Payment System for Transactions - An apparatus, method, and computer-readable storage medium for coordinating payment between a payor and a payee of a transaction for a contractual obligation includes electronically receiving of payor and payee bank account information, electronically receiving transaction information, and electronically transmitting a debit request to a payment processor. The debit request includes instructions to create a discrete financial account for the online transaction, debit an amount from the payor's bank account, and hold the debited amount in the discrete financial account. After the contractual obligation is satisfied, a credit request is electronically transmitted to a payment processor. The credit request includes instructions to credit the payee's bank account with a payment amount from funds held in the discrete financial account. | 2014-09-18 |
20140279452 | VENDOR PROPENSITY ANALYSIS COMPONENT FOR AN ELECTRONIC INVOICE PAYMENT SYSTEM - An electronic invoice payment system includes a database stored on a non-transitory computer readable medium, the database including a plurality of vendor records containing information pertaining to a plurality of vendors. A network interface is configured to receive presented invoices from multiple vendors for payment by multiple buyers. A processor is configured to analyze at least a portion of the vendor records to determine whether a subject vendor selected from among the plurality of vendors satisfies one or more predetermined criteria, and when so, to calculate a vendor propensity factor that operates as a measure of the subject vendor's propensity to participate in an aspect of the electronic invoice payment system. The processor further is configured to generate a vendor propensity record including the vendor propensity factor for the subject vendor. | 2014-09-18 |
20140279453 | Bill Payment Using Check Image - Aspects herein describe at least a new method, system, and computer readable storage media for facilitating bill payment by way of using an image of a check. A computing system may transmit a bill payment request to a wireless computing device associated with an account holder of a bill payment account. The computing system may determine whether an account holder of the bill payment account holds a funding account held at the first organization, and as a result, may transmit a request to the wireless computing device for an image of a check associated with a second organization when the account holder of the bill payment account does not hold a funding account at the first organization. Bill payment may be made by way of an ACH transaction using a routing number and an account number obtained from the image of the check. | 2014-09-18 |
20140279454 | PERSONA BASED BILLING - A mobile device receives from a first client application a request to exchange first data over a mobile communication network. The mobile device determines whether the first client application is associated with a first persona or a second persona of a user. Upon determining the first client application is associated with the first persona, the mobile device establishes a first data connection based on a first Access Point Name (APN) network identifier with the mobile communication network and routes the first data over the first data connection. The mobile device also receives from a second client device a request to exchange second data over the mobile communication network. Upon determining the second client application is associated with the second persona, the mobile device establishes a second data connection based on a second APN network identifier with the mobile communication network and routes the second data over the second data connection. | 2014-09-18 |
20140279455 | MERCHANT MANAGED SUBSCRIPTIONS AT A BILLING SERVER - A system and method is described for managing subscriptions between a consumer mobile phone, merchant server, billing server and carrier server. A charge-info method is used for the merchant server to retrieve charge elements from the billing server for constructing a user interface for the consumer mobile phone. An opt-in method is used to confirm a consumer's opt-in for a subscription. A remind-charge method is used to remind the consumer of an upcoming charge on the subscription. A charge method allows the merchant server to charge a user account on a carrier server via the billing server. A cancel method is used for the consumer to cancel the subscription. | 2014-09-18 |
20140279456 | MERCHANT MANAGED SUBSCRIPTIONS AT A MERCHANT SERVER - A system and method is described for managing subscriptions between a consumer mobile phone, merchant server, billing server and carrier server. A charge-info method is used for the merchant server to retrieve charge elements from the billing server for constructing a user interface for the consumer mobile phone. An opt-in method is used to confirm a consumer's opt-in for a subscription. A remind-charge method is used to remind the consumer of an upcoming charge on the subscription. A charge method allows the merchant server to charge a user account on a carrier server via the billing server. A cancel method is used for the consumer to cancel the subscription. | 2014-09-18 |
20140279457 | PAYMENTS IN COMMUNICATION SYSTEMS - Users of a communication system can initiate electronic payments during a communication session hosted by the communication system or via a social network identity page hosted by the communication system. The communication system detects a payment signal from a user of the communication system and the collects payment information details either by displaying a payment object interface in a communication application of the user or receiving payment information input directly from the user's communication device. The payment information includes sender and recipient payment account identifiers that are communicated to a payment processing system for processing and delivery of the designated payment amount to the recipient. | 2014-09-18 |
20140279458 | 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. | 2014-09-18 |
20140279459 | ELECTRONIC BILL PAYMENT PROCESSING BASED ON PAYOR SCHEDULED DEBITS - Systems, methods, and computer-readable media are disclosed for facilitating enrollment of a payor for payor-scheduled-debit (PSD) payment processing according to which the payor may select various payment parameters such as a debit date on which debits will be posted to one or more financial accounts associated with the payor for payments made to one or more payees. A payor may be provided with the capability to schedule debits associated with payments made to one or more payees by a selecting a single debit date that precedes and/or follows various dates on which the one or more payees are credited. | 2014-09-18 |
20140279460 | ELECTRONIC BILL PAYMENT PROCESSING BASED ON PAYOR SCHEDULED DEBITS - Systems, methods, and computer-readable media are disclosed for facilitating enrollment of a payor for payor-scheduled-debit (PSD) payment processing according to which the payor may select various payment parameters such as a debit date on which debits will be posted to one or more financial accounts associated with the payor for payments made to one or more payees. A payor may be provided with the capability to schedule debits associated with payments made to one or more payees by a selecting a single debit date that precedes and/or follows various dates on which the one or more payees are credited. | 2014-09-18 |
20140279461 | SYSTEMS AND METHODS FOR A CENTRALIZED PAYMENT MANAGEMENT SYSTEM - Systems and methods for a centralized payment management system are described. The system aids in management of vendor-client relationships. In one aspect, the system receives payment entries relating to a combination of vendors and clients. The system determines from the payment entries a payment entry that includes a conflict. The system retrieves from a memory an alert message associated with the payment entry including the conflict. The system generates a display screen including the payment entry and the retrieved alert message. In some embodiments, the system determines from the payment entries a payment entry that includes a conflict by determining from the payment entries a payment entry that includes an overdue payment issue, a client issue, or vendor issue, generating an alert message for the determined payment entry based on the overdue payment issue, the client issue, or the vendor issue, and storing the alert message in the memory. | 2014-09-18 |
20140279462 | SYSTEMS AND METHODS FOR INTEGRATED PAYMENT AND ACCOUNTING OF INVOICES - Systems and methods for integrated payment and accounting server systems in accordance with embodiments of the invention are disclosed. In one embodiment, an accounting and payment server system includes a processor configured to receive invoices including invoice data including third party data identifying the source of the invoice, invoice amount data, invoice date data, and payment period data, generate account payable data using the invoice data, where the account payable data includes at least one payment due date, generate payment request data using the account payable data, transmit the payment request data, receive payment verification data, update the account payable data to include a payment verified date based on the payment verification data, receive account information including payment deduction data, and reconcile the account payable by updating the account payable data to include clearance date data based on the payment deduction data and the payment verified date. | 2014-09-18 |
20140279463 | Method of Measuring and Provision of Lumens - Techniques are disclosed for compensating an LED light fixture/light source provider for generation of photons and data communications by one or more LED light fixtures used by a customer. The relationship including a requirement that the provider pay an electricity supplier for the electricity consumed by the LED light fixtures/light sources, determining, with the amount of electricity consumed by the LED light fixtures/light sources used by the customer over a period of time, and in response to the determination and on behalf of the customer, submitting payment to the customer's electricity supplier for the electricity consumed by the LED light fixtures/light sources used by the customer. The customer compensating the provider an agreed amount for use of each LED light fixture. | 2014-09-18 |
20140279464 | ACCOUNT MASK IDENTIFIER APPARATUS, METHOD, AND COMPUTER PROGRAM PRODUCT - At a computing device, optionally located in communication with an intermediate node in an electronic bill payment system, access is obtained to a data structure including a plurality of valid customer account numbers for customers of a biller that utilizes or desires to utilize the electronic bill presentment and payment system. With the computing device, each character of each of said valid customer account numbers is replaced with a wild card in accordance with a normalization scheme, to obtain a plurality of normalized valid customer account numbers. At least one pattern of said wild cards in said plurality of normalized valid customer account numbers is designated as a recommended account mask. | 2014-09-18 |
20140279465 | Location Based Payments - Disclosed herein are systems and methods to facilitate bill payment with a service provider system by: storing geolocation information for a plurality of points-of-service; receiving geolocation information for a customer; determining one or more bills for the customer to pay based on the customer geolocation information; determining one or more payment locations by comparing the stored point-of-service geolocation information to the customer geolocation information, wherein the payment locations are the locations of one or more of the plurality of points-of-service stored in the service provider system; determining a subset of the payment locations at which the customer may pay the one or more bills; transmitting the subset of the payment locations to the customer; receiving a request from the customer to make a payment at one of the subset of the payment locations; and receiving a confirmation of the payment from the one of the subset of the payment locations. | 2014-09-18 |
20140279466 | Cash-Based Check System - Disclosed herein are systems and methods to facilitate bill payment with a service provider system by: receiving a request from a payor to pay a bill; receiving destination information for a payee for the bill; generating a token associated with the bill and destination information; storing the token and the associated destination information; transmitting the token to the payor; receiving a confirmation that the payor presented the token with a payment at a retail location remote from the payee; generating a payment instrument for the bill based on the indication of payment; and transmitting the payment instrument to the payee at a location designated by the destination information. | 2014-09-18 |
20140279467 | SYSTEM AND METHOD OF DELAYED BILLING FOR ON-DEMAND PRODUCTS - In one embodiment, a method includes receiving a binding request for an on-demand identity product from a consumer. The method also includes attempting to provide the on-demand identity product. The method further includes, responsive to the binding request, ascertaining delayed-billing settings that are applicable to the on-demand identity product. In addition, the method includes delaying billing of the on-demand identity product until it can be confirmed that the identity-product provision system has complied with the delayed-billing settings. | 2014-09-18 |
20140279468 | SECONDARY IDENTIFICATION FOR REMITTANCE DELIVERY - There are provided a method, system and program storage device perform a remittance transaction. The method includes generating a remittance transaction to transfer funds from an account associated with a sender to a receiver; receiving a visual or audio identification of the receiver from the sender for the remittance transaction; and transmitting the generated remittance transaction, the received identification and the funds associated with the remittance transaction to a disbursement agent to selectively disburse funds to the receiver if the identification of the receiver matches the receiver. | 2014-09-18 |
20140279469 | SYSTEM AND METHOD FOR MOBILE TRANSACTION PAYMENTS - A method and system are disclosed for mobile transaction payments. A merchant device generates a machine-readable code containing merchant information and details of a transaction and displays this to a user device. The user device scans the code, or receives a message via NFC from the merchant device, to retrieve the transaction details and the merchant information. The user device then communicates this information, along with secure account information containing a virtual credit card or other payment type, to a merchant acquiring host, which processes the payment in association with an issuer host. Upon receipt of authorization from the issuer host, the merchant acquiring host informs both the merchant and the use of the status of the transaction. | 2014-09-18 |
20140279470 | 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. | 2014-09-18 |
20140279471 | SINGLE PAYMENT CARD FOR FLEXIBLE PAYMENT VEHICLE OPTIONS FOR A TRANSACTION - Embodiments of the invention are directed to a system, method, or computer program product for providing a customer with a single transaction card that is tied to the customer's available payment vehicles. As such, the single transaction card may be utilized by the customer to complete a transaction with a merchant. Subsequently, based on customer rules or customer selection, the invention may direct the transaction to the selected payment vehicle. Rules include any preferences that a customer may input that allows the invention to automatically apply a single transaction card transaction to a payment vehicle. As such, rules may be trigged for a specific merchant, a specific transaction amount, a specific location, and/or the like. If a rule is triggered by a transaction made with the single transaction card, the triggered transaction will be automatically applied to the payment vehicle tied to that rule. | 2014-09-18 |
20140279472 | SYSTEM AND METHOD FOR PROCESSING FINANCIAL TRANSACTIONS USING A MOBILE DEVICE FOR PAYMENT - A method for processing a financial transaction includes: storing, in a database, a plurality of wallet data entries, wherein each wallet data entry includes at least a mobile device identifier and payment details associated with at least one payment account; receiving, by a receiving device, an authorization request for a financial transaction, wherein the authorization request includes at least a mobile device identifier and transaction data; transmitting, to a mobile computing device associated with the mobile device identifier, at least the transaction data; receiving, from the mobile computing device, an indication of a payment account for funding of the financial transaction; identifying, in the database, payment details associated with the indicated payment account in a wallet data entry including the mobile device identifier included in the authorization request; and transmitting, to an issuer associated with the indicated payment account, at least the payment details and the transaction data. | 2014-09-18 |
20140279473 | SYSTEM AND METHOD FOR AUCTIONING A FIRST-IN-WALLET PAYMENT ACCOUNT STATUS - A system and method in accordance with exemplary embodiments may include systems and methods for providing first-in-wallet payment account auctioning. In an exemplary embodiment, a method for providing first-in-wallet payment account auctioning includes, receiving, via a network, consumer preference data, current consumer financial situation data associated with a plurality of payment accounts, and account terms associated with each of the plurality of payment accounts; scoring each of the plurality of payment accounts based on the consumer preference data, the current consumer financial situation data, and the account terms and determining an optimal payment account to be the first-in-wallet account out of the plurality of payment accounts based on the scoring. | 2014-09-18 |
20140279474 | MULTI-PURSE ONE CARD TRANSACTION APPARATUSES, METHODS AND SYSTEMS - The Multi-Purse One Card Transaction Apparatuses, Methods And Systems (“MPOC”) transform purchase item information inputs via MPOC components into account payment settlement outputs. In one implementation, the MPOC may obtain purchase item information and consumer digital wallet information at a merchant terminal; obtain consumer payment account usage rules based on the consumer digital wallet information; obtain purchase item category information from the purchase item information; determine that at least one purchase item qualifies for a consumer payment account based on the consumer payment account usage rules; generate a payment authorization request message in compliance with a transaction processing format; and send the generated payment authorization request message to a financial transaction processing server. | 2014-09-18 |
20140279475 | VAULT PLATFORM METHODS, APPARATUSES AND MEDIA - A payment token request may be obtained from a customer's smartphone. A payment token associated with the customer's account may be generated and sent to the customer's smartphone. A payment request including the payment token may be obtained from a consumer engagement device (CED). Payment information associated with the customer's account may be retrieved based on the payment token. Payment for the payment request may be authorized and a payment confirmation may be sent to the CED. | 2014-09-18 |
20140279476 | Multiple Account Dynamic Card Apparatuses, Methods and Systems - The MULTIPLE ACCOUNT DYNAMIC CARD APPARATUSES, METHODS AND SYSTEMS (“MADC”) may be a flexible payment device where a first flexible layer has two sides—a back side, which includes a data varying loader element and an inner side opposite back side. The inner side may have a power source, circuit, processor, memory, and a graphics processor. An indication is obtained to display the one card account and accompanying graphics and card information and loaded onto the loader element. A display controller is also connected to the processor and controls the display. The transaction card second flexible layer has two sides, one of which is a touch e-ink display and an inner touch e-ink side. | 2014-09-18 |
20140279477 | ACCOUNT PROVISIONING AUTHENTICATION - Embodiments of the present invention are directed to methods, systems, and apparatuses for providing a secure authentication scheme for authenticating users and accounts on behalf of a service provider server computer offering services to a user. Upon determining, by the secure authentication scheme, that the user and/or account identifier associated with the user is authenticate, the service provider server computer may be provided with assurance that the user is authenticate and thereafter provide a service requested by the user. | 2014-09-18 |
20140279478 | System and Process for Conducting Multiple Transactions with a Single Card - A transaction system and process includes providing financial transactions based on a single card. The transaction system and process further including providing prepaid wireless service based on the single card and providing long-distance service based on the single card. | 2014-09-18 |
20140279479 | NFC PAIRED BLUETOOTH E-COMMERCE - A method for performing an electronic transaction over two distinct networks with a mobile wallet comprises the steps of receiving form of payment information from a mobile wallet over a first wireless network of a retail environment with a mobile device on which the mobile wallet is deployed; sending second wireless network description information of the retail environment over the first wireless network to facilitate access to the second wireless network by the mobile device, wherein the first wireless network operates within access range of the second wireless network; sending service information from a service provider associated with the retail environment over the second wireless network to request execution of a service provider-specific widget on the mobile device; and completing the electronic transaction, that was initiated by receiving the default form of payment information, by exchanging payment confirmation information over the second network via the service provider-specific widget. | 2014-09-18 |
20140279480 | REMOTE DEPOSIT CAPTURE COMPATIBLE CHECK IMAGE GENERATION IN RESPONSE TO MOTION OF A MOBILE DEVICE - A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit. | 2014-09-18 |
20140279481 | MOBILE DEVICE AND APPLICATION FOR REMOTE DEPOSIT OF CHECK IMAGES SECURELY RECEIVED FROM PAYORS - A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit. | 2014-09-18 |
20140279482 | REMOTE DEPOSIT CAPTURE SYSTEM WITH CHECK IMAGE STORAGE - A check image generator application generates a remote deposit capture RDC compatible check image. The RDC compatible check image is sent from a sender mobile device to a recipient mobile device. The RDC compatible check image may pass through a server and may be encrypted. The recipient mobile device receives the RDC compatible check image and forwards it to a financial institution for deposit. | 2014-09-18 |
20140279483 | MOBILE PAYMENT VIA TRANSFER NETWORK - Embodiments of the invention are directed to systems, methods and computer program products for making a payment via a transfer network. In some embodiments, a first apparatus is configured to: receive readable indicia and payment information from a second apparatus, wherein the payment information comprises an amount of funds; identify an account associated with the readable indicia based on searching a database of records; process the payment information, wherein processing the payment information comprises transmitting to the identified account the determined amount of funds; transmit an acknowledgement of payment transfer to a third apparatus associated with the identified account. | 2014-09-18 |
20140279484 | SYSTEM AND METHOD FOR VALIDATING RECEIVED CLEARING INFORMATION FOR IMPLEMENTING A GLOBAL ELECTRONIC FUNDS TRANSFER - A system and method is presented for validating received 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 receive an element of clearing information. The form is updated based on validation rules. The validation rules (1) define a relationship between at least one of the clearing information fields and the clearing information received from the user and (2) specify acceptable values for the clearing information received by a given clearing information field. The received clearing information is analyzed in relation to the clearing information fields by applying the validation rules to adjudicate the clearing information received in the given clearing information field as acceptable or invalid. | 2014-09-18 |
20140279485 | DROPBOX INTERACTION - Embodiments of the invention are directed to systems, methods and computer program products for providing an interactive conversation box to a customer of a financial institution. Embodiments initiate presentation, to the customer of the financial institution, of an interface comprising a graphical interactive conversation box; initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of a graphical element representing a transaction; receive customer selection of the graphical element for inclusion in the conversation box; and initiate presentation, concurrently with presentation of the conversation box and to the customer of the financial institution, of the graphical element or a representation of the graphical element superimposed over the conversation box or presented as part of the conversation box. In some embodiments, the presentation of the conversation box, once initiated, is persistent during presentation of an online banking session. | 2014-09-18 |
20140279486 | SYSTEM AND METHOD FOR GUARDING AGAINST FRAUDULENT DIRECT DEPOSIT ENROLLMENTS IN AN ISSUER-EFFECTUATED ENROLLMENT SYSTEM - Systems and methods disclosed herein provide improved security against fraudulent direct deposit enrollments in an issuer-effectuated direct deposit enrollment system. By providing visibility across multiple account products and issuers, the system is able to detect fraudulent enrollments and create negative lists that may be shared among, and utilized by, multiple issuers. | 2014-09-18 |
20140279487 | SYSTEMS AND METHODS FOR PROVIDING FUNDING CHANGES TO FINANCIAL TRANSACTIONS - A system is provided for funding changes regarding financial transactions. The system may include one or more memory devices storing software instructions and one or more processors configured to execute the software instructions to, for example, identify a first financial transaction for a first amount involving a first financial account associated with a user, and determine a second financial account associated with the user that can be used to fund the first financial transaction. The one or more processors may also be configured to provide a funding type change option that identifies the second financial account as an alternate financial account for funding the first financial transaction, receive a funding type change indication to change the funding type of the first financial transaction from the first financial account to the second financial account, and process the funding type change indication. | 2014-09-18 |
20140279488 | SYSTEM AND METHOD FOR TRANSFERRING PAYMENTS AND DOCUMENTS WITH A WEB-BASED MANAGEMENT SYSTEM - Computer-implemented systems and methods for transferring images of a negotiable bank instrument and related information from one user to a second user at a remote location for review and verification by the second user are disclosed. The system can also enable the second user to variously utilize the information and images of the negotiable bank instrument for electronic deposit of funds in an account at a financial institution. The images can be transmitted to a financial institution for electronic deposit into an account. The images can also be converted into an image replacement document (IRD) which can then be transmitted to a financial institution for electronic deposit into an account. The images can also be transmitted to a third party processor for generation of the image replacement document, among other things. | 2014-09-18 |
20140279489 | SYSTEMS AND METHODS FOR PROVIDING ALTERNATIVE LOGINS FOR MOBILE BANKING - Systems and methods are disclosed for providing access and authentication scenarios for mobile, or remote, banking via a client device. A financial service provider system determines a desired level of security for various mobile banking transactions, and configures a unique login credential or attribute for each level or tier of security. After receiving an indication that a user desires to perform a mobile banking transaction, and determining the mobile banking transaction desired by the user, the financial service provider system prompts the user for the associated login credential or attribute. Finally, the system receives and validates the credential. | 2014-09-18 |
20140279490 | AUTOMATED TELLER MACHINE (ATM) USER LOCATION VERIFICATION - Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether out-of-network transaction costs and/or an out-of-area transaction costs are associated with an ATM transaction associated with an authorized user. It is also determined whether a geographic location associated with the ATM transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If out-of-network transaction costs and/or an out-of-area transaction costs are associated with the ATM transaction, it is determined whether to reduce the out-of-network transaction costs and/or an out-of-area transaction costs associated with the ATM transaction based at least partially on whether the geographic location associated with the ATM transaction is geographically proximate to the geographic location associated with the mobile device. | 2014-09-18 |
20140279491 | METHOD AND APPARATUS FOR VEHICLE ACCESSIBLE ATM TRANSACTIONS - A system includes an ATM-related processor configured to detect a vehicle approach. The processor is also configured to wirelessly connect to a vehicle computing system (VCS). The processor is additionally configured to validate a vehicle as a present-vehicle. Also, the processor is configured to receive account and vehicle identifying information. The processor is also configured to validate an account as authorized for a transaction in conjunction with the vehicle. The processor is further configured to provide transaction services to the vehicle over the wireless connection, such that the user can interact with an ATM through use of an in-vehicle display. | 2014-09-18 |
20140279492 | REMOTE IMAGE RECOVERY - Methods, systems, and computer-readable media are provided for resilient document image production. During a document deposit transaction, such as a check deposit, a self-service device, such as an automated teller machine (ATM), may experience a fault. In some instances, an image of the document may have been scanned prior to experiencing the fault. The self-service device may retrieve one or more scanned images, for example, over a time window prior to the fault, such as 5 minutes, and allow access to the retrieved images. A processing entity may access the retrieved images, determine that one of the retrieved images is associated with the first document deposit transaction, and resolve a claim for the document deposit transaction. | 2014-09-18 |
20140279493 | MOBILE DEVICES AS SECURITY TOKENS - A person's smartphone serves as a security token—used variously to establish the user's authorization, and to test the bona fides of the counter-party system. In one illustrative ATM arrangement, a bank's computer system and the user's smartphone share secret information across a network. The smartphone employs this shared secret to generate a corresponding image, which is displayed on its screen. The displayed image is sensed by a camera in the ATM, which sends corresponding data back to the bank computer system. The bank computer system analyzes the received data and responds by sending information to the ATM authorizing a transaction. By such arrangement, authentication of the transaction involves one-way optical communication of visual information between the ATM and the smartphone, and two-way network communication of information between the ATM and the bank computer system. A great number of other features and arrangements are also detailed. | 2014-09-18 |
20140279494 | METHOD AND SYSTEM OF DETECTING AND USING GEOFENCING FOR FRAUD DETECTION AND MODELING - A method for identifying fraud factors includes: storing data points; storing financial transactions; storing a plurality of consumer data entries, each data entry associated with a consumer and including a mobile device identifier and account identifier; identifying a home market for a data entry based on usage patterns of an associated financial account; identifying, at a predetermined time, a geographic location of a mobile device associated with the data entry; storing a location data point for the geographic location if the geographic location is outside of a predetermined distance from the home market, wherein the location data point includes the identified geographic location, the consumer associated with the data entry, and a time and/or date at which the geographic location was identified; and identifying a fraud factor for detecting fraud in a transaction, the fraud factor based on the financial transactions, the data points, and the location data point. | 2014-09-18 |
20140279495 | Social Network Prestige Program - The disclosure generally describes computer-implemented methods, software, and systems for creating and using shared queries based on heterogeneous data sources. One example method includes providing a visualization on a social network platform, the social network platform communicably linked to a financial platform; receiving, from the financial platform, a request to change a status of a user of the social network based on possessions of the user associated with a financial institute; and updating the visualization to reflect the user's status. | 2014-09-18 |
20140279496 | METHOD AND SYSTEM FOR IMPLEMENTING A CO-BUY ORDER CAPTURE MECHANISM - Disclosed is an improved approach to implement a shopping interface that includes a co-buy purchase option. The co-buy mechanism permits any purchase decision by a consumer to be implemented as a group purchase. The co-buy mechanism provides functionality to automatically implement sharing of the purchase prices by the participants to the group purchase. | 2014-09-18 |
20140279497 | Secure Identity Element - Methods, systems, computer-readable media, and apparatuses for providing a secure identity element are presented. In some embodiments, a computing device may authenticate a user of the computing device. Subsequently, the computing device may capture an image of the user, and further may store the image in a secure element. Then, responsive to receiving a request to provide a credential for a payment transaction, the computing device may cause the image from the secure element to be provided as the credential. In some instances, the image from the secure element may be provided as an identity credential for a payor in the transaction, while in other instances, the image from the secure element may be provided as an identity credential for a payee in the transaction. | 2014-09-18 |
20140279498 | Secure Identity Element - Methods, systems, computer-readable media, and apparatuses for utilizing a secure identity element to facilitate transactions are presented. In some embodiments, a computing device may detect a payment device. Subsequently, the computing device may cause a payment credential to be displayed on the payment device, where the payment credential includes an image of an authorized user of the computing device. Thereafter, the computing device may receive, from the payment device, a request to complete a payment transaction. Responsive to receiving user input approving the payment transaction, the computing device may cause a payment to be made to an account associated with the payment device. In some embodiments, in receiving the request to complete the payment transaction, the computing device also may receive a photo credential for an authorized user of the payment device and/or an amount to be paid in the payment transaction, which can be displayed by the computing device. | 2014-09-18 |
20140279499 | SINGLE USE QR CODE AUTHORIZATION SYSTEM - An electronic secured payment system where a single use QR CODE is assigned to a consumer account, displayed on a consumer's electronic device, and scanned by a merchant's device to permit a merchant to access and verify the consumer's account and enter transaction information. | 2014-09-18 |
20140279500 | Methods and Systems for Generating a Transaction Lifecycle Output for a Payment Card Transaction - Systems and methods for generating a transaction lifecycle output using a transaction lifecycle (TL) computer system are provided herein. The TL computer system includes a memory device for storing data and a processor in communication with the memory device. The processor is programmed to receive transaction data associated with a transaction being processed over a payment network. The transaction data includes authorization data, clearing data, and fraud data. The processor is also programmed to generate the transaction lifecycle output by processing the authorization data, the clearing data, and the fraud data. The transaction lifecycle output includes output data organized by pre-defined stages of the transaction. | 2014-09-18 |
20140279501 | METHODS AND DEVICES FOR FRAUD DETECTION BASED ON ROAMING STATUS - Methods, devices and servers for assisting in financial transaction fraud detection are described. In one aspect, a method for notifying of a roaming status of an electronic device is described. The method is implemented by a wireless service provider server associated with a wireless service provider. The electronic device is associated with a subscription service package of the wireless service provider. The method includes: detecting a roaming condition associated with the electronic device; and after detecting the roaming condition, retrieving financial institution information associated with the electronic device, the financial institution information identifying a financial institution, and sending a notification of the roaming status of the electronic device to a financial institution server associated with the identified financial institution. | 2014-09-18 |
20140279502 | System and Method of Processing Payment Transactions - A system and method for processing payment transactions via payment devices are provided. Issuer application selection criteria associated with a payment device, merchant application selection criteria associated with an acceptance device, and/or payment network card program file(s) may be evaluated to determine the payment application to be used for processing a payment transaction. | 2014-09-18 |
20140279503 | PROVIDING CUSTOMER ALERTS BASED ON GEO-THRESHOLDS - Embodiments of the invention provide unauthorized-transaction protection with user location verification. It is determined whether a geographic location associated with a transaction is geographically located within geo-thresholds associated with an authorized user and/or whether the geographic location associated with the transaction is geographically proximate to a geographic location associated with a mobile device that is associated with the authorized user. If neither the geographic location associated with the transaction is geographically located within the geo-thresholds nor the geographic location associated with the transaction is geographically proximate to the geographic location associated with the mobile device, an alert is sent to the authorized user and/or to a merchant associated with the transaction. | 2014-09-18 |
20140279504 | SYSTEM AND METHOD FOR GENERATING A SINGLE-USE TIME-LIMITED PURCHASE CODE FOR COMPLETING TRANSACTIONS WITH A PORTABLE COMPUTING DEVICE - A request for a purchase code may be received from a portable computing device (PCD) from a communications network. The request may further include a purchase amount and location information of the PCD. The system determines if a funding account has sufficient funds to cover the purchase amount. If the funding account has sufficient funds to cover the purchase amount, then the system generates a single-use time limited purchase code to the PCD. The system may receive the purchase code from a POS terminal and then it may determine if the received purchase code matches purchase code issued to the PCD. The system may compare the location of the PCD against the POS terminal. If a requested transaction amount is less than or equal to the purchase amount and if the purchase codes and location information match, then they system may generate a message approving the transaction. | 2014-09-18 |