Patent application number | Description | Published |
20120193434 | MOBILE WALLET WITH MANAGED ACTIVE AND PASSIVE PAYMENT TECHNOLOGY - Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device regardless of whether a power source in a mobile device is present or active. An active module of a mobile device enables a user to make a contactless payment via a mobile device when a power source in a mobile device is present and active. A passive module of a mobile device enables a user to make a contactless payment via a mobile device when a power source in a mobile device is either not present or not active. The passive module is configured to receive power from an electromagnetic field generated by a payment terminal. The mobile device is configured to manage the active and passive payment technologies by automatically activating the passive payment technology when a power source in the mobile device is not present or active. | 08-02-2012 |
20120196586 | TRANSFERRING CONTENT TO A MOBILE DEVICE - In general, apparatuses, methods and computer program products for transferring content to a mobile device are disclosed. Particularly, a system is disclosed that provides for pushing content from an external apparatus such as an automated teller machine (ATM), smart poster, contactless payment terminal, etc. to a mobile device or allowing the mobile device to pull such content from the external apparatus. The content may include one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or the like. | 08-02-2012 |
20120197691 | MOBILE WALLET PAYMENT VEHICLE PREFERENCES - In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet application is disclosed that utilizes, at least in part, user specific data to generate a payment vehicle recommendation for different transactions. The user specific data may include the active user profile, prior payment vehicle usage, user preferences for the type of transaction, user location, rewards programs associated with use of one or more payment vehicles, or the like, or combinations thereof. | 08-02-2012 |
20120197740 | TRANSACTION AUTHORIZATION SYSTEM FOR A MOBILE COMMERCE DEVICE - Embodiments of the invention include apparatuses and methods that allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a single action or supplying only a single input to the mobile device. For example, some embodiments of the invention allow a user to assign a default payment vehicle to a particular key or “pay now” icon of the mobile device so that activation of the particular key or icon, alone, causes the mobile device to wirelessly transmit information about the default payment vehicle. In some embodiments of the invention, a user using the single action option of the mobile device does not need to go through an authentication procedure before the mobile device transmits the default payment information. In some embodiments of the invention, if a user uses the single action option, the mobile device is configured to transmit the payment information without needing to first launch an electronic wallet software application installed on the device. | 08-02-2012 |
20120197743 | SINGLE ACTION MOBILE TRANSACTION DEVICE - Embodiments of the invention allow a user to wirelessly transmit payment information from a mobile device to a point-of-sale terminal by the user performing only a minimum number of inputs, such as a single input. Some embodiments of the invention provide an apparatus comprising an input device configured to receive input from a user, a communication device configured to transmit wireless signals to a transaction device, a memory comprising predetermined payment information stored therein and a processor communicably coupled to the input device, the communication device and the memory and configured to: receive transaction information from the transaction device related to a transaction; receive a first input from the user; determine if the first input matches a user defined action stored in memory, and use the communication device to wirelessly transmit the predetermined payment information and authorize payment if the first input matches the user defined action stored in memory. | 08-02-2012 |
20120197773 | SYSTEMS AND METHODS FOR PROVIDING POSITION-BASED BUDGETING INFORMATION - Various embodiments include a position-based budgeting system that uses the location of a consumer's mobile device relative to one or more merchants to determine relevant budget information to communicate to the consumer's mobile device. For example, when the consumer and his or her mobile device approach or enter a coffee shop, a budget account name and budget information (e.g., how much has been spent for the month and how much is left in the budget) associated with coffee shop purchases is displayed on the consumer's mobile device. The system may also be configured to display gift card balances associated with a particular merchant when the consumer approaches or enters the merchant's store. | 08-02-2012 |
20120197787 | MOBILE WALLET EXPERIENCE FOR RESOLVING CONFLICTS BETWEEN DIFFERENT FINANCIAL INSTITUTIONS AND PAYMENT VEHICLES - In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet experience is disclosed. The experience aids to resolve conflicts between numerous payment vehicles and, particularly, financial institution-specific programs or sub-experiences on a mobile device. The mobile wallet experience permits a user to freely navigate various payment vehicles and, importantly, navigate efficiently through a plurality of financial institution sub-experiences. | 08-02-2012 |
20120197793 | DEPENDENT NOTIFICATION ALERT - Embodiments of the invention allow a primary user to add dependent users to one or more accounts (e.g., shared accounts) of the primary user, in order to control and monitor the transactions made by a dependent user who is authorized to make purchases using the user computer systems that are linked to the primary user's shared account. The shared account can be a credit account, a debit account, a credit line account, a pre-paid account, or any other type of account that can be used to pay for products. In other embodiments of the invention the primary user may be linked to the dependent user account, be it a shared account or the dependent user's own account, in order to receive notification alerts regarding the transactions that the dependent user is trying to make. | 08-02-2012 |
20120197794 | SHARED MOBILE WALLET - The present invention provides embodiments of a shared account system that allows a primary user to add one or more dependent users to one or more accounts of the primary user in order to control and monitor the transactions made by a dependent user using a shared payment system. The primary user can set preferences, including spending limits, specific time frames within which the dependent user can make a purchase, or restrictions on transactions made at a store or for a product. The shared payment system may be a shared mobile wallet, such as a smartphone or PDA, which allows a user to enter into transactions. The shared mobile wallet allows the dependent user to make a purchase at a store or over a network by transmitting through a connection between the shared payment system and the merchant systems used to make the transaction. | 08-02-2012 |
20120197797 | PENDING ATM TRANSACTIONS - In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based at least partially on the transaction information. | 08-02-2012 |
20120197798 | PENDING ATM AUTHENTICATIONS - In general terms, embodiments of the present invention relate to methods and apparatuses for initiating pending ATM authentications on a mobile device and for completing those pending ATM authentications at an ATM. For example, in some embodiments, a method is provided that includes: (a) initiating a pending ATM authentication on a mobile device, where the initiating the pending ATM authentication is based at least partially on a user of the mobile device inputting one or more inputs into the mobile device, and where the initiating the pending ATM authentication occurs before the user arrives at an ATM for completing the pending ATM authentication; (b) storing, on the mobile device, authentication information associated with the pending ATM authentication; (c) transferring the authentication information from the mobile device directly to the ATM, where the transferring the authentication information occurs after the user arrives at the ATM for completing the pending ATM authentication; (d) receiving, at the ATM, the authentication information associated with the pending ATM authentication; and (e) completing, at the ATM, the pending ATM authentication based at least partially on the authentication information. | 08-02-2012 |
20120203610 | PAYMENT USING AN EMULATED ELECTRONIC COUPON IN A CONTACTLESS PAYMENT ENVIRONMENT - Embodiments of the invention are directed to apparatus, methods, and computer program products for making a payment at a contactless payment terminal using an electronic coupon emulated as an electronic gift card. In one embodiment, a mobile device emulates electronic coupon data associated with an electronic coupon as electronic gift card data, and transmits this emulated coupon data to a contactless payment terminal that has the ability to read and processes electronic gift card data. Therefore, the invention may permit a user to make a payment using an electronic coupon at a contactless payment terminal that is not configured to read the native data format of the electronic coupon. | 08-09-2012 |
20120221446 | E-RECEIPTS COLLECTION AND MANAGEMENT SYSTEM - In general, embodiments of the present invention concern the collection and management of a consumer's detailed receipt information in electronic form and the storage of the electronic receipts in a platform accessible to the consumer online or through the consumer's mobile device. | 08-30-2012 |
20120221475 | MOBILE TRANSACTION DEVICE SECURITY SYSTEM - Embodiments of the invention include apparatuses, methods, and computer-program products that provide for a unique financial transaction security system. In one embodiment, the financial transaction security system receives a security protocol from a user. The security protocol includes instructions for allowing transactions without authentication and security features for the user if authentication is necessary. The system then determines that the user is conducting a transaction, evaluates the instructions, and determines whether the transaction can occur without authentication. If the user is required to authenticate his identity, the system requests input from the user, compares the input to the security feature, and determines if the user is authenticated. The user is able to customize both the instructions and the security features to provide greater control over financial transaction security. | 08-30-2012 |
20130005253 | PENDING ATM TRANSACTIONS - Embodiments of the present invention relate to methods and apparatuses for initiating pending ATM transactions on a mobile device and for completing those pending ATM transactions at an ATM. In some embodiments, a method is provided that includes: (a) initiating, by a user, a pending ATM transaction on a mobile device, where the initiating the pending ATM transaction occurs before the user arrives at an ATM for completing the pending ATM transaction; (b) storing, on the mobile device, transaction information associated with the pending ATM transaction; (c) transferring the transaction information from the mobile device directly to the ATM, where the transferring the transaction information occurs after the user arrives at the ATM for completing the pending ATM transaction; (d) receiving, at the ATM, the transaction information associated with the pending ATM transaction; and (e) completing, at the ATM, the pending ATM transaction based on the transaction information. | 01-03-2013 |
20130013490 | MOBILE APPARATUS WITH BACK-UP PAYMENT SYSTEM - Embodiments of the invention are directed to apparatus, methods, and computer program products for allowing a user to make a payment at a payment terminal via a mobile device via a back-up payment module that is attached to the mobile device. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal by establishing physical contact between the back-up payment module and the payment terminal. In some embodiments, the back-up payment module allows a user to make a payment at a payment terminal when one or more other methods of making a payment via a mobile device are unavailable. | 01-10-2013 |
20130018785 | MERCHANT BILL PAY - Embodiments of the invention are directed to systems, methods and computer program products for transmitting, via an intermediary system, a payment request from a payment requestor to a customer. In some embodiments, a method includes: (a) receiving, at an intermediary computing device, the payment request from a source system, wherein the payment request includes a payment amount and an alias associated with a payment recipient, (b) in response to receiving the payment request, determining, via a computing device processor, whether the payment recipient is a registered payment recipient based on the alias, and (c) in response to determining the payment recipient is a registered payment recipient based on the alias, communicating, via the intermediary computing device, the payment request to the payment recipient based on the payment recipient being the registered payment recipient. | 01-17-2013 |
20130046589 | VARYING OFFERS BASED ON PROXIMITY TO CUSTOMER'S CURRENT LOCATION - Embodiments of the invention are directed to methods, systems, apparatus and computer program products are described herein for communicating offers to customers based in part on the distance from the customer to the merchant's location after receiving an indication of a point of transaction event by receiving an indication of a point-of-transaction event, collecting positioning information related to the customer, determining the distance between the customer and the merchant, correlating the distance between the customer and the merchant to offers to entice the customer to travel to the merchant's location and communicating the offers to the customer. | 02-21-2013 |
20130046602 | METHOD OF PROVIDING AN OFFER BASED ON PROXIMITY TO A POINT OF SALE TRANSACTION - Embodiments of the invention include systems, methods, and computer-program products that provide for a unique offer system, wherein the offer is generated based on proximity to a point-of-transaction device. In one embodiment of the invention, the computer-implemented method receives data associated with a financial transaction at a point-of-transaction device. The computer-implemented method then identifies the identity of the user conducting the transaction and the location of the transaction. Using the location of transaction, the computer-implemented method determines offers located in proximity to the user and provides those offers to the user. In some embodiments, the offers are customized for the user based on some characteristic of the transaction or the user. In further embodiments, the user is guided to a business associated with the offer by directions provided by the computer-implemented method. | 02-21-2013 |
20130046603 | METHOD OF PROVIDING AN OFFER BASED ON A PROJECTED PATH TRIGGERED BY A POINT OF SALE TRANSACTION - Embodiments of the invention include systems, methods, and computer-program products that provide for a unique offer determination system. In one embodiment of the invention, offers are provided based on a projected path of a user triggered by a transaction at a point-of-transaction device. The system receives data associated with a transaction at a point-of-transaction device, determines the identity of the user conducting the transaction, predicts a projected path or future action of the user based on the transaction, and provides an offer to the user based on the projected path. In an embodiment, the system predicts the projected path based on pattern recognition analysis of the user's transaction history. | 02-21-2013 |
20130046609 | USER-DRIVEN REVERSE AUCTIONS SYSTEMS AND METHODS - Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user. | 02-21-2013 |
20130046625 | PROVIDING FINANCIAL INSTITUTION INFORMATION OR OFFERS TO USER THAT ARE DETERMINED TO BE OR WILL BE TRAVELLING - Methods, apparatus and computer-program products are described for providing travel- location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user. | 02-21-2013 |
20130046626 | OPTIMIZING OFFERS BASED ON USER TRANSACTION HISTORY - Embodiments of the invention are directed to a system, method, or computer program product for providing offers to purchase products or services to a user, the offers being tailored to the user. Embodiments of the invention allow a user to receive offers to purchase products based on the user's transaction history, offer acceptance history, demographic, or offers for products that the user wishes. In this way, the user receives offers for products that he/she may be interested in instead of having to find offers he/she is interested in by searching all the offers available to him/her. A financial institution may receive information regarding the user's transaction history, offer acceptance history, demographic, or watch list. This information may provide parameters for a filter to which offers may be provided to the user, such that the offers that are provided to the user may be of interest to him/her. Thus, the system may optimize the offers provided to the user to ensure that the offers the user receives are ones that he/she may have an interest in using to purchase a product or service. | 02-21-2013 |
20130046631 | PROVIDING OFFERS TO USERS DETERMINED TO BE TRAVELLING BASED ON POINT-OF-SALE TRANSACTION DATA - Methods, apparatus and computer-program products are described for providing travel-location merchant information, such as offers or the like, to users who are determined to be at a travel location based on Point-Of-Transaction (POT) data. Embodiments of the invention compare the location of the transaction as indicated by the POT data to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be at a travel location. Once the travel location is determined, travel location merchant information, such as offers or the like are identified and communicated to the user. | 02-21-2013 |
20130046632 | POINT OF SALE TRIGGERING OF OFFERS ALONG A PROJECTED TRAVEL ROUTE - Embodiments of the invention are directed to methods, systems, apparatus and computer program products are described herein for communicating offers to customers along a projected travel route after receiving an indication of a point of transaction event by collecting positioning information related to the customer, analyzing the positioning information to project the customer's likely route of travel, identifying one or more offers in which the customer may be interested, based in part on the customer's projected likely route of travel and communicating the offers to the customer. | 02-21-2013 |
20130046633 | DETERMINING MERCHANTS IN A TRAVEL LOCATION THAT ARE THE SAME OR SIMILAR TO MERCHANTS USED BY A USER AND PROVIDING MERCHANT INFORMATION TO THE USER - Methods, apparatus and computer-program products are described for determining that a user is at or will be at a travel location based on financial institution transaction data and identifying merchants at the travel location that are the same or similar to merchants previously used by the user. Once the same or similar merchants have been identified, information, such as merchant offers, associated with the same or similar merchants is communicated to the user via a chosen communication mechanism. | 02-21-2013 |
20130046634 | COMBINING OFFERS FROM MULTIPLE MERCHANTS BASED ON THE GEOGRAPHIC PROXIMITY OF THE MERCHANTS - Embodiments of the invention are directed to a system, method, or computer program product for providing offers to purchase products or services to a user, the offers being for products of merchants located within geographic proximity to each other, to entice a user to visit that location. Offers may be received by a user throughout a day or when the user enters into a transaction. Once the user enters into a transaction at a merchant, the financial institution may receive data regarding that transaction. The data may provide the financial institution an indication as to the user's location and products the user is purchasing. The financial institution may then provide the user with offers to purchase other products. These offers may be for products similar to the products the user is currently purchasing. These offers, however, are within are for merchants within close geographic proximity to each other. These offers may entice users to enter other stores within a similar geographic location, such that the user may add to his/her shopping experience by frequenting merchants not typically frequented by that user. | 02-21-2013 |
20130046635 | TRIGGERING OFFERS BASED ON DETECTED LOCATION OF A MOBILE POINT OF SALE DEVICE - In general terms, embodiments of the invention relate to methods and apparatuses for triggering the broadcast of offers based on the detected location of a mobile point-of-transaction device. For example, a method is provided that includes: (a) receiving transaction information associated with a financial transaction that occurred on a mobile point-of-transaction (“POT”) device; (b) determining, via a computing system, an entity associated with the mobile POT device; (c) determining a current geographic location of the mobile POT device; (d) determining a geographically targeted audience based at least partly on the current geographic location of the mobile POT device for use in transmitting information associated with the entity; and (e) transmitting information associated with the entity at a time triggered by the computing system. | 02-21-2013 |
20130046645 | SYSTEM AND METHOD FOR POINT OF TRANSACTION AUTHENTICATION - Embodiments of the invention provide a method a authenticating a transaction at the point of transaction. In some embodiments of the invention, the user conducts the transaction through the use of a mobile computing device that is capable of communication with a point of transaction device. In some embodiments of the invention, the user authenticates the transaction through the use of the mobile computing device. In some embodiments, a method is provided that includes: (1) receiving information associated with a transaction involving a user; (2) prompting the user to authenticate the transaction; (3) receiving authentication data from the user; and (4) sending information associated with the authentication data. | 02-21-2013 |
20130046692 | FRAUD PROTECTION WITH USER LOCATION VERIFICATION - Embodiments of the invention provide fraud protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location. | 02-21-2013 |
20130046717 | PREDICTING FUTURE TRAVEL BASED ON A USER'S HISTORICAL FINANCIAL INSTITUTION TRANSACTION DATA AND PROVIDING OFFERS BASED ON THE PREDICTED FUTURE TRAVEL - Methods, apparatus and computer-program products are described for providing travel-location merchant offers to users who are determined to be travelling based on Point-Of-Sale (POS) transaction data. Embodiments of the invention compare the location of the POS transaction to the user's domicile location and if the transaction occurs a predetermined distance or greater from the domicile location, the user is determined to be travelling. Once the travelling determination is made, travel-location merchant offers are identified and communicated to the user. | 02-21-2013 |
20130054367 | MOBILE DOOR BUSTER OFFER TRANSMISSION BASED ON HISTORICAL TRANSACTION DATA - A method communicates one or more offers to a customer by determining a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users. The method then correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, collects a second set of data, wherein the second set of data comprises information related to historical transaction data corresponding to one or more of the plurality of users, determines to which of the plurality of users to make offers based at least in part on historical transaction data, and communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants. | 02-28-2013 |
20130054368 | MOBILE DOOR BUSTER OFFER TRANSMISSION WITH VARYING OFFER VALUES - A method for communicating one or more offers to users determines a distance between each of the users and one or more merchants, based at least in part on a first set of data including information related to users and locations, each corresponding to one or more of the users, correlates the distance between each of the users and the merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the merchants, determines to which of the users to make offers, communicates the offers to the determined users based on the correlated distance between each of the users and the merchants, monitors acceptance rate of the offers, and communicates one or more modified offers to one or more users based on the monitored acceptance rate of the offers. | 02-28-2013 |
20130054369 | MOBILE DOOR BUSTER OFFER TRANSMISSION WITH MOBILE USER OFFER ACCEPTANCE OR REDEMPTION - A method for communicating one or more offers to one or more users determines a distance between each of the plurality of users and one or more merchants, based at least in part on a first set of data, wherein the first set of data comprises information related to a plurality of users and a plurality of locations, each of the plurality of locations corresponding to one or more of the plurality of users, correlates the distance between each of the users and the one or more merchants to one or more offers, wherein the offers are intended to entice one or more users to travel to one or more locations corresponding with the one or more merchants, determines to which of the plurality of users to make offers, communicates one or more offers to the determined users based at least in part on the correlated distance between each of the users and the one or more merchants, and receives, communicated from a mobile device of a user, acceptance or redemption of one or more of the offers. | 02-28-2013 |
20130173403 | E-RECEIPT BARCODE ON MOBILE DEVICE THAT IS READABLE BY POINT OF TRANSACTION FOR PURCHASE - Embodiments of the invention provide a system for maintaining and presenting proof of transaction information. In some embodiments of the invention, the user conducts a return or exchange transaction through the use of a mobile computing device that is capable of communicating with a point of transaction device. In some embodiments, a system is provided that includes: (1) a communication interface (2) a storage device, wherein said storage device comprises an indicia associated with a transaction and used to verify proof of transaction information and (3) a processing device in communication with said communication interface and said storage device, wherein said processing device is configured to: retrieve the indicia associated with a proof of transaction information from said storage device and provide information associated with the indicia associated with the proof of transaction information to said communication interface for output to thereby verify the proof of transaction information. | 07-04-2013 |
20130173492 | COLLECTION AND DISTRIBUTION OF AFTER PURCHASE EXPERIENCE DATA - Embodiments of the invention are directed to a system, method, or computer program product for collecting and distributing after purchase experience data. Customers that have communicated with a merchant may provide more beneficial feedback to the merchants than other individuals. In this way, the system provides mechanisms for the customer to provide feedback if they have communicated with the merchant. Embodiments of the invention allow a customer to provide this feedback for a merchant, a product, or the total purchase experience of a customer. A system then compiles and sorts the data. In turn, a customer, a merchant, or other entities may be able to view the compiled after purchase experience data. | 07-04-2013 |
20130173556 | MOBILE DEVICE DATA ARCHIVING - Mobile devices such as cell phones, “smart” phones, personal data assistants (PDA's) and the like are equipped for accessing and storing all types of media, including movies, music, software applications, as well as copious amounts of associated data. Accordingly, a need exists for methods, apparatuses and computer program products that assist mobile device users in archiving data, configuring the data, and restoring the data to the same device, or a new mobile device running the same or different operating system. Embodiments of the claimed invention address the above needs and/or achieve other advantages by providing systems for archiving data on a mobile electronic device on a plurality of data storage media, and by providing similar means of restoring the archived data to the same or different mobile device. | 07-04-2013 |
20130173743 | MOBILE DEVICE DATA MANAGEMENT - Embodiments of the invention include systems, methods, and computer-program products that assist a user in managing data on a mobile device. In one embodiment of the invention, the computer-implemented method receives data associated with a mobile device and stores the data in a database. The computer-implemented method then periodically updates the data in the database until the user desires to load the data onto the mobile device or onto a new mobile device. At the user's request, the computer-implemented method loads the data onto the mobile device. In some embodiments, the computer-implemented method determines the operating system of the mobile device and assists the user in conveniently transferring data from one mobile device to another mobile device. In further embodiments, the computer-implemented method augments the data with publicly or privately available information. | 07-04-2013 |
20140006113 | ELIGIBILITY ASSISTANCE IN SOCIAL MEDIA OFFER SYSTEM | 01-02-2014 |
20140006128 | SYSTEMS AND METHODS FOR PRESENTING OFFERS DURING A SHOPPING EXPERIENCE | 01-02-2014 |
20140006136 | EXPEDITED REGISTRATION AND PROCESSING OF OFFERS AT A POINT OF TRANSACTION | 01-02-2014 |
20140006149 | NOTIFYING CUSTOMERS POST-TRANSACTION OF ALTERNATIVE PAYMENT TYPES ACCEPTED BY A MERCHANT | 01-02-2014 |
20140006151 | OFFERS ASSOCIATED WITH FUEL PURCHASE | 01-02-2014 |
20140006165 | SYSTEMS AND METHODS FOR PRESENTING OFFERS DURING AN IN-STORE SHOPPING EXPERIENCE | 01-02-2014 |
20140006175 | SOCIAL MEDIA OFFER SYSTEM | 01-02-2014 |
20140006183 | AUTOMATIC ACTIVATION OF MOBILE PAYMENT MECHANISMS BASED ON IDENTIFIED MOBILE PAYMENT TYPES ACCEPTED BY A MERCHANT | 01-02-2014 |
20140006186 | READABLE INDICIA FOR FUEL PURCHASE | 01-02-2014 |
20140006187 | READABLE INDICIA FOR FUEL PURCHASE | 01-02-2014 |
20140006188 | MOBILE DEVICE FOR FUEL PURCHASE | 01-02-2014 |
20140006199 | MOBILE SYSTEM FOR PRE-PROCESSING SALES RETURNS | 01-02-2014 |
20140006224 | SYSTEM FOR PRE-PROCESSING SALES RETURNS | 01-02-2014 |
20140006259 | SYSTEM FOR ITEM LEVEL PAYMENT VEHICLE SUGGESTION | 01-02-2014 |
20140006272 | NOTIFYING MOBILE DEVICE USERS OF A SUGGESTED PAYMENT TYPE PRIOR TO CONDUCTING A TRANSACTION AT A MERCHANT | 01-02-2014 |
20140006274 | ELECTRONIC CARD RENDERING FOR MOBILE WALLET | 01-02-2014 |
20140006276 | MOBILE WALLET ACCOUNT NUMBER DIFFERENTIATION | 01-02-2014 |
20140012651 | EARNING REWARDS VIA BILL PAYMENT - Embodiments of the invention are directed to systems, methods and computer program products associated with a bill payment feature that enables users to receive rewards for paying bills before their due dates. In some embodiments, a method comprises determining a bill due within a predetermined period in the future; initiating, via a mobile network, notification of the bill, an amount associated with the bill, and a due date associated with the bill; initiating, via the mobile network, a first option to pay the bill prior to the due date; and in response to determining the first option is selected: deducting, from an account, an amount of funds corresponding to the amount associated with the bill; providing a reward to the account; and transmitting, on the due date, the amount of funds to a merchant associated with the bill. | 01-09-2014 |
20140012691 | TRANSACTION MONITORING AND SAVINGS FEATURE - Systems and methods for monitoring categorized spending limits and promoting savings are provided herein. The systems and methods, identify transactions associated with a spending category that occur during a period of time based on the transaction data, where the spending category comprises a spend limit; provide a confirmation prompt on a display of a mobile device of a user that is in communication with the system; and deduct a transaction amount for each of the transactions from the spend limit in response to receiving a confirmation from the user. | 01-09-2014 |
20140012742 | ELECTRONIC PROCESSING OF PAPER INVOICES - Embodiments of the invention are directed to systems, methods, and computer program products for electronic processing of paper invoices. The invention allows provides a user with information about a paper invoice through the use of the user's mobile computing device. In some embodiments, a method comprises providing a computer processor executing computer readable code structured to cause the computer processor to (a) receive information associated with an image of the invoice, wherein the image is captured by a mobile computing device of the user; (b) identify the invoice based at least partially upon the information associated with the image of the invoice; (c) determine financial institution information associated with the invoice; and (d) present, via the mobile computing device of the user, an indication of the financial institution information. | 01-09-2014 |
20140012743 | CALENDAR BILL PAYMENT MANAGEMENT - Embodiments of the invention are directed to systems, computer-implemented methods, and computer program products for providing, via a mobile device associated with a user, a calendar for displaying one or more financial events including the steps of accessing a storage device associated with the mobile device to thereby retrieve information associated with the calendar and information associated with the one or more financial events, presenting, via a display of the mobile device, the calendar with the one or more financial events provided therein, wherein each of the one or more financial events is selectable by the user, providing, via each of the one or more financial events, one or more selectable features configured to allow the user to take an action relating to the one or more financial events. | 01-09-2014 |
20140012744 | BILL CONTROL - Embodiments of the invention are directed to systems, methods and computer program products for implementing bill control. The invention enables a user of a financial institution account to maintain controls over bills via a single interaction point. In some embodiments, a method comprises determining whether a bill is due within a predetermined period; in response to determining the bill is due within the predetermined period: initiating, via a mobile network, presentation of a duration in which the bill is due; initiating, via the mobile network, presentation of an option to authorize payment of the bill via the mobile network; and in response to receiving selection of the option to pay the bill, authorizing payment of the bill via a financial institution account. | 01-09-2014 |
20140012745 | FUTURE ACCOUNT VIEW - Embodiments of the invention are directed to systems, methods and computer program products enabling a user of an account to pictorially view available funds over a predetermined period in the future and thereby enable informed bill payment scheduling. In some embodiments, a method comprises determining, for a predetermined period in the future, at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a graphical indicator indicating the at least one bill payment; and initiating, via the mobile network, presentation of an account balance graph associated with the account based at least partially on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future. | 01-09-2014 |
20140012746 | BILL PAYMENT MANAGEMENT - Embodiments of the invention are directed to systems, methods and computer program products associated with a visual bill management feature that leverages projected account balances to schedule bill payment dates. In some embodiments, a method comprises determining at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a first graphical indicator indicating a bill payment date associated with the at least one bill payment, wherein the at least one bill payment is scheduled to made on the bill payment date; initiating presentation of an account balance graph associated with the account based on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future; and enabling shifting of the first graphical indicator to reschedule the bill payment date. | 01-09-2014 |
20140012754 | FINANCIAL DOCUMENT PROCESSING SYSTEM - Embodiments of the invention relate to systems, methods, and computer program products for providing a financial document processing system. The system receives an image of a financial document, such as a check, and identifies at least a transaction amount from the financial document. Then the system determines account information associated with the financial document. The system may identify a routing and account number on the financial document or identify the document based on a name on the document. Once the transaction amount and account information are known, the system determines a prospective balance for a financial account based on the account information and the transaction amount. If there are funds at least equal to the transaction amount in the financial account, the system validates the transactions. In some embodiments, the system also immediately updates the balance of the account and/or offers to complete the transaction. | 01-09-2014 |
20140025468 | READABLE INDICIA FOR A REBATE REQUEST - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a rebate request. An exemplary system is configured to: receive information associated with readable indicia associated with a rebate request; and process the readable indicia to issue a rebate associated with a rebate request, wherein the rebate comprises issuance of a credit associated with a purchase previously made from the merchant. | 01-23-2014 |
20140025570 | READABLE INDICIA FOR BILL PAYMENT - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for bill payment. An exemplary system is configured to: receive information associated with readable indicia associated with a bill; and process the readable indicia to initiate one or more options to schedule payment for the bill, wherein the one or more options comprise a first option to pay the bill immediately, a second option to schedule payment of the bill at a predetermined time in the future, and a third option to establish an electronic link to the merchant in order to schedule periodic payment of the bill. | 01-23-2014 |
20140025574 | READABLE INDICIA FOR A PAYMENT CLAIM - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for a payment claim. An exemplary system is configured to: receive information associated with readable indicia associated with a payment claim; receive authentication credentials associated with the payment claim; and process the readable indicia and the authentication credentials to authorize a payment associated with the payment claim. | 01-23-2014 |
20140042218 | GENERATING READABLE INDICIA CUSTOMIZED FOR PRODUCT INFORMATION - Embodiments of the invention are directed to systems, methods and computer program products for collecting product information based on a navigation history of the user, the product information being associated with the product; generating a readable indicia based on the collected product information, wherein, in response to selection of the readable indicia, the readable indicia is configured to provide instructions for purchasing the product based on the collected product information; and presenting the readable indicia to the user for saving for subsequent consideration or distributing to one or more other users. In some embodiments, shipping information indicative of the user's desired destination address for the product is collected from user input and discount information is collected based on the navigation history of the user or user input. In such cases, the readable indicia may be generated based on all of the product information, the shipping information and the discount information. | 02-13-2014 |
20140046752 | ASSESSING ADVERTISEMENT IMPACT USING ADVERTISEMENT READABLE INDICIA - Embodiments of the invention are directed to systems, methods and computer program products for processing a readable indicia associated with an advertisement associated with a product. The invention presents a readable indicia in association with an advertisement, where the readable indicia includes instructions for triggering a data collection tool. The invention collects data from the data collection tool and analyzes characteristics of the readable indicia and the advertisement in order to determine a customer advertisement impact. The readable indicia may include information indicating at least one of a current date, a time of inception of the advertisement, a placement location of the readable indicia within the advertisement, or a visual characteristic of the readable indicia. | 02-13-2014 |
20140046844 | Transaction Security Using Location Authentication - In certain embodiments, an method includes receiving an authorization request for a proposed transaction between a consumer and a retailer, the authorization request including transaction information associated with the proposed transaction. The method further includes accessing authentication information for the consumer and determining, based on the transaction information and the accessed authentication information, a risk score for the proposed transaction. The method further includes determining whether to grant the authorization request based on the determined risk score. | 02-13-2014 |
20140046854 | READABLE INDICIA FOR ADVERTISEMENTS - Embodiments of the invention are directed to systems, methods and computer program products for processing a readable indicia associated with an advertisement associated with a product. The invention decodes the readable indicia to determine product purchase information, wherein the product purchase information is associated with the product, receives authentication credentials associated with a payment account, and processes the authentication credentials to authorize a payment associated with the product purchase information. In some embodiments, the invention extracts a link from the readable indicia or a second readable indicia associated with the advertisement and initiates a user interface associated with the link. In some embodiments, the invention populates some or all the product purchase information into at least one of a user's notes, calendar or budget, and in some, the advertisement is placed proximate the product within a merchant's business. | 02-13-2014 |
20140048595 | PRE-SET READABLE INDICIA FOR VENDOR USE - Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention reads the pre-set readable indicia from a mobile device of the user, where the pre-set readable indicia comprises payment information, stores the read pre-set readable indicia or payment information extracted from the pre-set readable indicia, and, after connecting to a network, reconciles the transaction based on the payment information extracted from the pre-set readable indicia. In some embodiments, the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment information from the pre-set readable indicia. | 02-20-2014 |
20140048596 | PRE-SET READABLE INDICIA FOR CUSTOMER USE - Embodiments of the invention are directed to systems, methods and computer program products for processing a pre-set readable indicia associated with a user. The invention receives and stores one or more pre-set readable indicia including instructions for providing a payment during a transaction; and presents one or more of the pre-set readable indicia to a merchant during a transaction for payment. In some embodiments, the pre-set readable indicia comprises a one-use payment token for payment during a transaction not to exceed a predetermined payment limit, and in some embodiments, the pre-set readable indicia comprises payment account information and the invention receives authentication credentials from the user and authenticates the user to approve payment using the payment account information from the pre-set readable indicia. | 02-20-2014 |
20140052459 | READABLE INDICIA FOR HEALTHCARE PAYMENT CODES - Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for healthcare codes. As such, a readable indicia may be presented at a point-of-transaction (POT) for a user to select. The system may dynamically present the readable indicia based on the user, the merchant, and the products of the transaction. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with private viewing and selecting of alternative payment methods available to the user for that transaction. Alternative payment methods may include insurance or government programs. The system may receive authorization to apply one of the alternative payment methods to the transaction. As such, the invention provides private, yet expedited transaction capabilities using alternative payment methods at a merchant POT. | 02-20-2014 |
20140052460 | READABLE INDICIA FOR MEDICAL OFFICE PAYMENT - Embodiments of the invention include systems, methods, and computer-program products for providing readable indicia for medical office payments. As such, a readable indicia may be presented at a point-of-transaction (POT) at a medical treatment providers for a user to select. The system may dynamically present the readable indicia based on the user, the treatments provided, and the user's insurance coverage. The user may select the readable indicia with his/her user device. Upon selection, the system may provide the user with expedited viewing of itemized treatments, insurance coverage for each treatment, and amount due for each treatment, co-pay amount, an amount to be paid by the insurance company, detectable information, and a total amount the user will owe the medical treatment provider. The system may receive authorization to accept the treatment and apply a payment means to the treatment. | 02-20-2014 |
20140052461 | READABLE INDICIA FOR INSURANCE PAYMENT - Embodiments of the invention include systems, methods, and computer-program products for providing a readable indicia for insurance payments. The system may provide a readable indicia on a statement from a treatment provider, such as a medical treatment provider, where the user's insurance may have covered a portion of the treatment price. The readable indicia may provide the user with itemized treatments received and payment methods for each. Furthermore, the system may provide the user with information associated with his/her insurance policy. The itemized treatments received may indicate the treatments that the user received from the medical provider during the visit, such as exams, tests, and the like. Payment methods for each include an amount, if any, that an insurance company may have contributed and/or the amount due from the user for the treatment. | 02-20-2014 |
20140052635 | TIME-SENSITIVE READABLE INDICIA FOR FUNDRAISING - Embodiments of the invention are directed to systems, methods and computer program products for processing readable indicia for fundraising. An exemplary system is configured to receive information associated with readable indicia associated with a non-profit organization; and process the readable indicia to authorize a payment to the non-profit organization. The readable indicia is valid for a predetermined period. Additionally, the readable indicia enables tracking of various types of information associated with fundraising. | 02-20-2014 |
20140067506 | Apparatus and Method for Offering Micro Rewards in an Electronic Transmission - According to one embodiment, an apparatus stores a user account and a points balance associated with the user account. The apparatus further determines a geographic location of a user associated with the user account. The apparatus then communicates, based at least in part upon the geographic location, an offer for a product. The produce may be associated with a points price and the points balance is at least equal to the points price. The apparatus then receives a signal indicating acceptance of the offer. The signal may be associated with the user account. The apparatus then communicates a second signal indicating that the user can receive the product. | 03-06-2014 |
20140067512 | APPARATUS AND METHOD FOR LEVERAGING GEOGRAPHIC LOCATION IN SENDING ELECTRONIC TRANSMISSIONS - According to one embodiment, an apparatus may store a user account and a points balance associated with the user account. The apparatus may determine a geographic location of a user associated with the user account and communicate, based at least in part upon the geographic location, an offer for a product. The offer may be associated with an expiration time. The product may be associated with a points price. The points balance may be at least equal to the points price. The apparatus may receive a signal indicating an acceptance of the offer. The signal may be associated with a timestamp and with the user account. The timestamp may indicate a time that is at least as early as the expiration time. The apparatus may communicate a second signal indicating that the user can receive the product. | 03-06-2014 |
20140067654 | Apparatus and Method for the Electronic Transfer of Balances Between Accounts - According to one embodiment, an apparatus may store a plurality of accounts. The apparatus may present, in a first region of a display, information associated with a first account in the plurality of accounts; in a second region of the display, information associated with a second account in the plurality of accounts; and in a third region of the display, a plurality of transfer amounts. The apparatus may detect a touch on the third region of the display indicating a selection of a transfer amount from the plurality of transfer amounts. The apparatus may communicate, in response to the detection of the touch, a message to initiate the transfer of the selected transfer amount from the first account to the second account. | 03-06-2014 |
20140122328 | MOBILE DEVICE FOR MULTIPLE PAYMENT MODES - Embodiments of the invention are directed to making a payment using a portable mobile communication apparatus. An exemplary portable mobile communication apparatus is configured to: initiate presentation of a first option on a user interface to pay via readable indicia (e.g., a QR code), initiate presentation of a second option on the user interface (e.g., the same user interface) to pay via a short-range wireless mechanism (e.g., NFC), and determine a payment option selected by a user. | 05-01-2014 |
20140156328 | TRANSACTION QUEUING - Embodiments of the invention are directed to systems, methods and computer program products for transaction queuing. In some embodiments, a system is configured to: receive information associated with an intended transaction, wherein a user will execute the intended transaction at a facility at a user-defined time; determine preliminary work associated with the intended transaction that can be performed prior to the user-defined time; and perform the preliminary work associated with the intended transaction. The preliminary work is placed on a transaction queue until the user arrives at the facility. | 06-05-2014 |
20140156427 | CLEARING HOUSE FOR PROCESSING OF PAYMENTS USING CODED PAYMENT METHODS - Embodiments of the invention include systems, methods, and computer-program products for a clearing house for directing readable indicia to/from merchants, users, and/or vendors. As such, merchants, users, and vendors may all be able to recognize, read, and complete transactions using any readable indicia, irrespective of the vendor providing the readable indicia. In some embodiments, the invention may provide merchants or users with readable indicia from one or more readable indicia vendors. In other embodiments, the invention may recognize readable indicia communicated to the system based on the vendor associated with the indicia. As such, the invention provides a clearing house for the directing, such as receiving, translating, and communicating readable indicia between parties of a transaction, such that each party may be able to recognize the readable indicia and complete the transaction. | 06-05-2014 |
20140156428 | CLEARING HOUSE FOR CREATING AND PROCESSING CODED PAYMENT METHODS - Embodiments of the invention include systems, methods, and computer-program products for a clearing house for creating and directing readable indicia to/from merchants, users, and/or vendors. As such, merchants, users, and vendors may all be able to recognize, read, and complete transactions using a created universal readable indicia, irrespective of the entities associated with the transaction. The invention may create and provide a universal readable indicia that may be read and/or scanned by any of a user, merchant, or vendor. Subsequently, upon scanning, the system may recognize the appropriate vendor associated with the scan, based on information about the user or merchant derived from the scan. As such, the invention may be able to convert the universal readable indicia to one or more indicia accepted by a vendor that may complete the transaction with the user and/or merchant. | 06-05-2014 |
20140156448 | PAYMENT AUTHORIZATION PROMPTING CATEGORIZATION - Systems, methods, and computer program products are provided for prompting categorization during payment authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor receive an authorization request for a transaction being conducted by a user; prompt the user to categorize at least one component of the transaction; receive a category from the user for the at least one component of the transaction; and store the category in association with the transaction. In some embodiments, the system will not authorize the transaction until the user categorizes at least one component of the transaction. In further embodiments, the system evaluates the transaction and only prompts the user to categorize the transaction if predefined criteria are met. | 06-05-2014 |
20140156505 | AGENT-AIDED TRANSACTION - Embodiments of the invention are directed to systems, methods and computer program products for serving a user at a facility. In some embodiments, a system is configured to determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; determine the transaction can be executed on the mobile device; and in response to determining the transaction can be executed on the mobile device, demonstrate the transaction to the user, wherein the demonstration assists the user to execute the transaction. | 06-05-2014 |
20140156506 | SELF-SERVICE USING MOBILE DEVICE - Embodiments of the invention are directed to systems, methods and computer program products for enabling self-service at a facility. In some embodiments, a system is configured to: determine a user has entered a facility or is a predetermined distance from the facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; prompt the user to perform, on the mobile device, an action associated with the intended transaction while the user is waiting to interact with at least one of the agent or the computing device. | 06-05-2014 |
20140156525 | SECURE PROXIMATE LOCATION BANKING - A system provides assistance to a user having a user device proximate a financial institution location. The system determines a user device is within a wireless communication range of the system; establishes a secure connection between the system and the user device; receives user input comprising information indicating a user purpose for visiting the location; and transmits at least one communication based at least in part on the received user purpose for visiting the location. In some embodiments, the system receives user authentication information; authenticates the identity of the user; provides the user access to transactional functionality; receives user information indicating a type of transaction and transaction details; processes the user information to conduct a transaction based at least in part on the type of transaction and the transaction details received from the user; and communicates a message indicating the transaction has been processed to the user. | 06-05-2014 |
20140156527 | PRE-PAYMENT AUTHORIZATION CATEGORIZATION - Systems, methods, and computer program products are provided for categorizing transactions prior to authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor to receive an input from a user associated with a component of a future transaction; determine that the user is conducting a transaction; determine a category associated with the input; associate the category with the transaction that is being conducted by the user; and store the category in association with the transaction. In some embodiments, the user provides the input by scanning a product or service using a mobile device. In further embodiments, the system determines the category by evaluating the product or service, evaluating previous categories identified at the user's location, or some combination thereof. | 06-05-2014 |
20140156536 | TRANSACTION PREPARATION USING MOBILE DEVICE - Embodiments of the invention are directed to systems, methods and computer program products for performing preliminary steps of a transaction on a mobile device. In some embodiments, a system is configured to: determine a user has entered a facility, wherein the user has a mobile device, and wherein the user is waiting to interact with at least one of an agent at or away from the facility or a computing device at the facility; communicate with the mobile device to determine a reason for the user's visit to the facility, the reason comprising a transaction intended to be executed by the user at the facility; transmit a form to the user's mobile device, the form being based on the intended transaction, and the form prompting the user to input information associated with the intended transaction; receive the user-filled form from the user's mobile device. | 06-05-2014 |
20140156537 | POST-TRANSACTION SERVICE USING MOBILE DEVICE - Embodiments of the invention are directed to systems, methods and computer program products for providing post-transaction service. In some embodiments, a system is configured to: determine a user has exited a facility after performing a transaction at the facility, wherein the user has a mobile device, wherein the user executed the transaction at the facility with assistance of an agent at the facility; and communicate with the mobile device to provide a post-transaction service to the user, the post-transaction service comprising providing a communication channel to establish contact with the agent who assisted the user at the facility. The invention enables provision of a personalized transaction service to the user. | 06-05-2014 |
20140164223 | TARGET FINANCIAL INSTITUTION CHANNEL MIGRATION BASED ON TRANSACTION HISTORY - Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration based on patterns or trends in a customer's transaction history. Once a trend is identified, such as a customer makes weekly deposits at a banking center, recommendations for alternative financial channels are determined which are optimal to the financial institution, the customer or both. Optimization is defined in terms of the customer by the recommended transaction channels being more efficient/less time-consuming and in terms of the financial institution the recommended transaction channels being more cost efficient. Once the recommended transactions channels are determined, an alert is communicated to the customer in the form of email, text message, online/mobile banking posting or the like. | 06-12-2014 |
20140164224 | TARGETING BANKING CENTER CUSTOMERS FOR CHANNEL MIGRATION WITH BANKING CENTER REPRESENTATIVE-PERSONALIZED ALERTS - Embodiments of the invention relate to systems, methods, and computer program products for targeting financial institution channel migration away from first channel, such as banking centers and towards other transaction channels using banking representative-personalized recommendation alerts. In this regard the present invention serves to inform and encourage financial institution customers to use other more optimal financial institution channels for conducting transactions. Once recommendations for alternative transaction channels have been determined, alerts are generated and communicated within a selected time frame after the banking center transaction has been conducted. In addition to the recommendations, the alert is personalized by the banking center representative that assisted the customer, so as to further gain the attention of the customer. Moreover, the alerts may include further information to encourage the customer to use the recommendations, such as directions to the alternative financial institution channels, instructions for using the alternative channels and the like. | 06-12-2014 |
20140172559 | SYSTEM AND METHODS FOR PROVIDING LOCATION-BASED GOAL BALANCE INFORMATION - Systems, methods, and computer program products are provided for providing a notification to a consumer based on the location of the consumer. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that cause the processor to receive a goal corresponding to a specific product a consumer desires to purchase; determine a location associated with a mobile device of the consumer; identify a merchant that is located at or near the location associated with the mobile device of the consumer; determine whether the merchant offers for sale the specific product associated with the goal; provide a notification to the mobile device associated with the consumer based at least in part on determining that the merchant offers for sale the product, the notification comprising information related to the user's progress towards the goal. | 06-19-2014 |
20140188628 | DISTRIBUTION OF PAYMENTS RELATING TO OFFER ADVERTISEMENTS - Embodiments for distributing payments for offer advertisements and settling offers are provided herein. The embodiments include receiving payment data from a merchant, the payment data comprising at least one payment for advertising; identifying one or more advertising providers based on the payment data; determining the amount owed to each of the one or more advertising providers; and distributing at least a portion of the at least one payment to at least one of the one or more advertising providers based on the determined amount. | 07-03-2014 |
20140188631 | BID SYSTEM FOR ADVERTISEMENT OFFERINGS - Systems and methods for a proposal system for advertisement offerings are provided. In an embodiment, the system and method receive at least one criteria for an advertisement from a user; determine a subset of advertisers from a plurality of advertisers stored in a database, wherein the subset of advertisers are determined based on the at least one criteria; request proposals from the subset of advertisers to provide the advertisement; receive proposals from the advertisers in response to the request for proposals; and provide the proposals to the user. The system and method provides for a bidding system that allows users to specifically target advertisements and receives proposals from advertisers capable of meeting the user's requirements. In some embodiments, the system assists in evaluation of the proposals and/or facilitates implementation of an advertisement once a proposal is selected by the user. | 07-03-2014 |
20140244483 | MOBILE DEVICE AS A TIME CLOCK FOR PAYMENT - Systems, methods, and computer program products provide for notifying service customers of a verified period of time which a service provider has been located at a service location and, based on the notification, initiate payment, and in some embodiments, automated payment, to the service provider for the services rendered. As service customers are not required to be present when service is provided or at least upon completion of the service. Moreover, the remote service customer can be assured that a service provider was present at a verified location for a specified period of time, and, based on the assurance, initiate payment to the service provider. | 08-28-2014 |
20140257898 | PROVIDING SPECIAL RESOURCE AVAILABILITY INFORMATION - Embodiments of the invention are directed to systems, methods and computer program products for providing special resource availability information to a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine special resource availability information associated with the financial institution physical location; and provide the determined special resource availability information to the customer. In some embodiments, the special resource availability information comprises information corresponding to an availability of at least one financial specialist based at the financial institution physical location. Some such embodiments, if the customer is travelling to the location, determine whether the at least one financial specialist will be present when the customer arrives at the location; and, if the customer is currently located in proximity to the location, determine whether the at least one financial specialist is present at the financial institution physical location. | 09-11-2014 |
20140257914 | PROVIDING INTERACTION EFFICIENCY INFORMATION TO A CUSTOMER - Embodiments of the invention are directed to systems, methods and computer program products for providing interaction efficiency information to a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information associated with the financial institution physical location; and provide the determined interaction efficiency information to the customer. The interaction efficiency information may include information related to one or more wait times at the financial institution physical location, where the one or more wait times include a wait time for a drive through station outside the financial institution physical location and a wait time for a teller inside the financial institution physical location. In some embodiments, the interaction efficiency information includes one or more visual representations of one or more wait lines associated with one or more stations of the financial institution physical location. | 09-11-2014 |
20140258007 | MOBILE DEVICE AS POINT OF TRANSACTION FOR IN-STORE PURCHASES - Systems, methods and computer programs provide for implementing a mobile communication device, such as a smart telephone or the like, as a point of transaction for in-store purchases, such that all a customer needs to do is capture the coded indicia of products they desire (i.e., scan the products) with their mobile communication device as they shop and the purchase transaction will subsequently occur based on either the customer (in possession of the mobile communication device) being physically located in a designated area of the store or the lapse of a predetermined period of time from when the coded indicia was captured. | 09-11-2014 |
20140258061 | DETERMINING EFFICIENT INTERACTION PATH FOR A CUSTOMER - Embodiments of the invention are directed to systems, methods and computer program products for providing an efficient interaction path for a customer. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine interaction efficiency information for at least two interaction paths associated with the financial institution physical location; compare the interaction efficiency information for the interaction paths to determine a most efficient interaction path for the customer; and provide, to the customer, information associated with the determined most efficient interaction path for the customer. Some embodiments determine an expected business of the customer visiting the financial institution physical location; and determine the interaction efficiency information for the at least two interaction paths associated with the financial institution physical location based at least in part on the determined expected business of the customer. | 09-11-2014 |
20140258062 | LOAD BALANCING OF FINANCIAL INSTITUTION CHANNELS - Embodiments of the invention are directed to systems, methods and computer program products for balancing a load of financial transaction channels. Embodiments determine that the customer is traveling to or is currently located in proximity to a financial institution physical location; determine load information for at least two interaction paths associated with the financial institution physical location; compare the load information for the interaction paths; determine, based on the comparison of the load information for the interaction paths, an interaction path to recommend to the customer; and provide, to the customer, information associated with the recommended interaction path. In some cases, the load information includes a capacity percentage corresponding to the capacity of the interaction path with respect to a predetermined full capacity for each of the interaction paths. | 09-11-2014 |
20140258107 | GENERATING PERSONAL BANK NOTE USING READABLE INDICIA - Embodiments of the invention are directed to systems, methods and computer program products for generating a personal bank note using readable indicia for providing payment information to a merchant during a transaction with a user. Embodiments initiate generating the readable indicia on a portable hard copy, the readable indicia encoding the payment information for presentation to the merchant such that the merchant may read the readable indicia, determine the payment information stored in the readable indicia and complete the transaction using the determined payment information. Some embodiments initiate presenting a user interface for interacting with the user regarding the personal bank note; and receive, from an account owner using the user interface, and store the payment information in the memory device. Some such embodiments receive, from an account owner using the user interface, user input requesting generation of the readable indicia. | 09-11-2014 |
20140278897 | RETROACTIVE REWARDS BASED RECOMMENDATION OF PAYMENT VEHICLE TO INDIVIDUAL PRODUCTS OF A TRANSACTION - Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction on a product-by-product basis based on available rewards for each product. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. The invention may then apply individual products of the transaction to different recommended payment vehicles based on the maximum rewards each product may receive if applied to that payment vehicle. Once each product of the transaction has been reassigned to a recommended payment vehicle, the temporary line of credit may be terminated. | 09-18-2014 |
20140278970 | USING A FEDERATED NETWORK OF RETAILERS TO PROVIDE MESSAGES TO NETWORK CUSTOMERS OF ALL LOCATIONS OF A PARTICULAR NETWORK MERCHANT - Embodiments of the invention are directed to systems, methods and computer program products for communicating messages to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the network; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network of retailers; and present the offer is based on the determination. | 09-18-2014 |
20140278989 | DETERMINING AN OFFER BASED ON A PRE-PAID ACCOUNT BALANCE AND CONSUMER LOCATION - Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a prepaid account and a location of a consumer who is the holder of the prepaid account. In some embodiments, a method is provided that includes: (a) receiving geographic location information associated with a consumer; (b) receiving information associated with the prepaid account of the consumer, wherein the consumer is a holder of the prepaid account; (c) determining a balance value of the prepaid account of the consumer; and (d) determining an offer to present to the consumer based at least partially on the balance value of the prepaid account and the location of the consumer. | 09-18-2014 |
20140278999 | USING A FEDERATED NETWORK OF RETAILERS TO PROVIDE OFFERS TO GROUPS OF CUSTOMERS WITHIN A MERCHANT LOCATION - Embodiments of the invention are directed to systems, methods and computer program products for providing offers to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; and present an offer to one or more of the federated network customers in proximity to the retailer. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. Some embodiments determine that a customer in proximity to the location is not a customer of the retailer associated with the location and is a customer associated with the network; and present the offer based on the determination. | 09-18-2014 |
20140279002 | ENHANCEMENT OF USER AFFINITY EXPERIENCE BASED ON OFFERS RELATED TO A GEOGRAPHIC AREA - Systems, methods, and computer program products enhance the affinity experience for affinity account holders by providing offers related to the user's geographic location. In the various systems, location data is received from a mobile device of the user that is in communication with the system, a geographic area of the mobile device is identified based on the location data, at least a portion of the geographic area associated with an affinity object associated with a financial vehicle of the user is determined, and one or more offers associated with the affinity object is identified based on the geographic area. | 09-18-2014 |
20140279003 | ENHANCEMENT OF USER AFFINITY EXPERIENCE BASED ON MESSAGING RELATED TO A GEOGRAPHIC AREA - Systems, methods, and computer program products enhance the affinity experience for affinity account holders by providing topic notifications related to the user's geographic location. In the various systems, location data is received from a mobile device of the user that is in communication with the system, a geographic area of the mobile device is identified based on the location data, at least a portion of the geographic area associated with an affinity object associated with a financial vehicle of the user is determined, and one or more topics associated with the affinity object is identified based on the geographic area. | 09-18-2014 |
20140279004 | SEPARATING OFFERS ASSOCIATED WITH ONE ACCOUNT BASED ON GEOLOCATION OF ACCOUNT USERS - Embodiments of the invention are directed to systems, methods and computer program products for micro-targeting an offer based on geolocation information. An exemplary apparatus is configured to: determine a first user is accessing an account, wherein the account is associated with a first user and a second user, wherein the account is presented on a user interface; and in response to determining the first user is accessing the account, transmit a first offer to the first user based on geolocation information associated with the first user, wherein the first offer is presented on the user interface, and wherein the first offer enables the first user to receive a discount or a rebate on a transaction associated with the first offer. The apparatus may also be configured to transmit, in real-time, offers to the first user based on at least one of real-time or historical geolocation information associated with the first user. | 09-18-2014 |
20140279005 | SYSTEMS AND METHODS FOR PROVIDING AN OFFER BASED ON AN ACCOUNT BALANCE AND LOCATION OF A CONSUMER - Embodiments of the present invention relate to systems, methods, and computer program products for presenting an offer to a consumer based on account balance information and consumer location information. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with the mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine whether the balance value of the credit account has an existing balance value greater than zero; and (d) present, via the mobile computing device of the consumer, the offer to the consumer based at least in part on determining that the geographic location of the mobile device of the consumer is proximate to or coincident with a location of the merchant and determining that the existing balance value of the credit account associated with the merchant is greater than zero. | 09-18-2014 |
20140279006 | SYSTEMS AND METHODS FOR DETERMINING AN OFFER BASED ON AN ACCOUNT BALANCE AND LOCATION OF A CONSUMER - Embodiments of the present invention relate to systems, methods, and computer program products for determining an offer based on a balance value of a credit account a location of a consumer having the credit account. In some embodiments, a method is provided that includes: (a) receive geographic location information associated with a mobile computing device of the consumer; (b) receive information associated with the credit account of the consumer, wherein the consumer is a holder of the credit account; (c) determine a balance value of the credit account of the consumer; and (d) determine an offer to present to the consumer based at least partially on the balance value of the credit account and a determined location of the consumer. | 09-18-2014 |
20140279008 | PROVIDING AN OFFER BASED ON ENROLLING A DEBIT ACCOUNT INTO A MERCHANT-SPECIFIC ACCOUNT - Embodiments of the present invention relate to systems, methods, and computer program products for providing an offer to a user based on linking a financial account to a merchant-specific account. In some embodiments, a method is provided that includes: (a) determining whether a user is a holder of an existing merchant-specific account; (b) prompting the user to link a debit account to the existing merchant-specific account based at least partially on determining that the user is the holder of the existing merchant-specific account; (c) receiving debit account information for linking the existing merchant-specific account to the debit account of the user; and (d) providing the offer to the user based on successfully linking the debit account to the merchant-specific account. | 09-18-2014 |
20140279009 | SELF-SERVICE INTERCEPT ON OR OFF PREMISE - Embodiments of the invention are directed to systems, methods and computer program products for transmitting an offer to a user associated with an account. An exemplary apparatus is configured to: determine, based on geolocation information associated with a mobile device associated with the user, whether the mobile device is within a predetermined distance of a reference location; in response to determining the mobile device is within the predetermined distance of the reference location, transmit an offer to the mobile device, wherein the offer is associated with a product or a service, and wherein the offer has been previously communicated to the user; and provide an option for the user to accept the offer via the mobile device. | 09-18-2014 |
20140279010 | USING A FEDERATED NETWORK OF RETAILERS TO PROVIDE MESSAGES TO NETWORK CUSTOMERS ASSOCIATED WITH CATEGORIES OF MERCHANTS - Embodiments of the invention are directed to systems, methods and computer program products for communicating messages to one or more customers associated with a federated network of retailers. Embodiments determine that one or more customers associated with the federated network of retailers are in proximity to a retailer physical location associated with a retailer that is a member of the federated network of retailers; create one or more messages based on the determination that the one or more customers are in proximity to the retailer physical location; and initiate communication of the one or more messages to the one or more customers. In some embodiments, determining comprises recognizing a mobile device is associated with a customer of at least one retailer that is a member of the federated network of retailers. | 09-18-2014 |
20140279123 | GEOLOCATION CHECK-IN SYSTEM - Embodiments of the invention are directed to systems, methods and computer program products for providing a geolocation check-in system. An exemplary apparatus is configured to collect positioning data related to a user. After collecting position data the apparatus may be configure to determine, based at least partially on the positioning data that the user has crossed a threshold of a geofence associated with a merchant's location. Based at least partially on this determination the apparatus may be configured to initiate a merchant check-in associated with the user and transmit user information to the merchant. | 09-18-2014 |
20140279270 | PRE-ORDERING BASED ON LOCATION OF A CUSTOMER - Embodiments of the invention relate to systems and methods that enable a user to pre-order products from an internal or external organization. The organization procures the products and/or completes the pre-order, such as completes a payment for the pre-order or finishes the pre-order, based on the location of the user, as determined through the user's mobile device. The order is only completed when the customer location is determined to be within a desired location of the collection point for the pre-order. Preparation of the products pre-ordered by the user commences upon the user location satisfying a predetermined criteria, such as the user being located an approximate distance from a particular location, the user having an approximate arrival time from a particular location, the user located within an electronic geographic fenced area around a particular location, or the user identified as moving with respect to a particular location. | 09-18-2014 |
20140279409 | RECOMMENDING RETROACTIVE VEHICLE FOR PAYMENT BASED ON IN-FLOWS AND OUT-FLOWS - Embodiments of the invention are directed to a system, method, or computer program product for recommending a payment vehicle for a transaction, retroactively. In this way, the invention provides retroactive payment vehicle recommendation after the transaction has occurred based on criteria from customer inputs, customer in-flows, and customer out-flows. In this way, the customer may complete a transaction with a merchant using a temporary line of credit. Subsequently the system may apply the transaction to the determined recommended payment vehicle. Then the temporary line of credit may be terminated. | 09-18-2014 |
20140279411 | PRE-ARRANGING PAYMENT ASSOCIATED WITH MULTIPLE VENDORS WITHIN A GEOGRAPHIC AREA - Embodiments of the invention are directed to systems, methods and computer program products for enabling a user to execute at least one purchase transaction in a geographical area. An exemplary apparatus is configured to: receive identification information from a mobile device when a user associated with the mobile device enters a geographical area; receive geolocation information from the mobile device; receive payment preference information; determine, based on the geolocation information and the identification information, a purchase transaction being executed by a user of the mobile device in the geographical area; store transaction information associated with the purchase transaction; and process the transaction information, based on the payment preference information, upon determining the mobile device is exiting or has exited the geographical area. | 09-18-2014 |
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. | 09-18-2014 |
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. | 09-18-2014 |
20140279505 | RECOMMENDING VEHICLE FOR PAYMENT BASED ON SOCIAL NETWORK DATA - Embodiments of the invention are directed to a system, method, or computer program product for recommending payment vehicles for a transaction based on social network data. Embodiments of the invention allow a customer to receive a recommended payment vehicle for a transaction with a merchant where the recommended payment vehicle is determined based on social network data. In this way, a payment recommendation may be based on one or more preferences of a trusted advisor, social network friend, family member, celebrity, or an aggregation of data related to how a group of individuals on a social network are selecting payment vehicles for various merchants. The invention may review this social network data and provide the customer with a payment vehicle recommendation for a transaction with a merchant. | 09-18-2014 |
20140279713 | AUTOMATED PAYMENT FOR A RENTAL PERIOD BASED ON DETERMINING THE LOCATION OF A RENTER'S MOBILE COMMUNICATION DEVICE - Systems, apparatus, methods and computer programs provide for self-service rental of rental items. The self-service aspect of the invention allows for renters to obtain the rental, leave the rental agency facility, return the rental item and pay for the rental without having to come into contact with anyone at the rental agency. The invention implements a renter's mobile device. In this regard, the mobile device receives information related to the rental item that the renter desires to rent and initiates the self-service process. The rental period is defined by the time at which the mobile device, equipped with location-determining mechanisms, departs a designated rental area and the time at which the mobile device returns to the same or another designated rental area. Once the rental period is known, the rental period payment amount can be determined based on a predetermined rental rate and payment provided. | 09-18-2014 |
20140279799 | PROVIDING REWARDS BUCKETS AND SAVINGS TOWARDS SPECIFIC GOALS - Embodiments of the invention relate to systems, methods, and computer program products for providing a rewards program. The system, method, and computer program product are configured to determine that a customer has completed an action; determine that the customer has earned a reward based on the action; determine a category associated with the reward; and apply the reward to the category. In some situations, the categories are default categories provided by the financial institution. In other situations, the categories are defined by the customer. The system determines which category an earned award is routed into using a decision engine that evaluates the award and/or the action completed by the customer and compares the award and/or action to rules, such as default rules, custom rules, or dynamic rules. The categories may also include goals and the system assists in tracking customer's progress towards the goal. | 09-18-2014 |
20150081467 | USER-DRIVEN REVERSE AUCTIONS SYSTEMS AND METHODS - Systems and methods for providing user-driven reverse auctions are provided. The systems and methods enable a user to request bids for products or services, receive bids in response to the offers, and manage the bids. The methods provide receiving, at a computing device, a request from a user for an offer for products or services, the request including search criteria; identifying, via the computing device, at least one merchant of said products or services based on the search criteria; sending the request to the at least one merchant and receiving one or more bids from the at least one merchant; and presenting, via a computing device, the one or more bids to the user. | 03-19-2015 |
20150081540 | MOBILE WALLET PAYMENT VEHICLE PREFERENCES - In general, apparatuses, methods and computer program products for making contactless financial transactions utilizing a mobile wallet are disclosed. Particularly, a mobile wallet application is disclosed that utilizes, at least in part, user specific data to generate a payment vehicle recommendation for different transactions. The user specific data may include the active user profile, prior payment vehicle usage, user preferences for the type of transaction, user location, rewards programs associated with use of one or more payment vehicles, or the like, or combinations thereof. | 03-19-2015 |
20150088751 | TRANSACTION VERIFICATION SYSTEM BASED ON USER LOCATION - Embodiments of the invention provide misappropriation protection with user location verification. The methods, apparatus and computer program products provide for approving a transaction based at least partially on a determining that a mobile device associated with an account holder associated with a transaction is located within a predetermined distance from the location associated with the transaction. In some example implementations where the mobile device is located outside the predetermined distance from the location associated with the transaction, information associated with previously approved transactions is received and the transaction approved based at least partially on a determination that previously approved transaction have occurred at the same location. | 03-26-2015 |