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| Number | Title | Issue Date |
| 8424758 | Stored value card transaction control systems and methods A gift card processing system which includes a database storing interval information representing a required interval between transactions using the gift card. The database also stores data representing the maximum amount of each transaction. The gift card processin... | 04/23/2013 |
| 8374962 | Stored value payouts According to the invention, a method for automatically processing an incoming payment for a payee with an online money transfer system. In one step, information is received at the online money transfer system. That information relates to processing of one or more re... | 02/12/2013 |
| 8370205 | System for activation of multiple cards According to one embodiment of the invention, a system is provided for activating a plurality of cards. A first card number and a total number of cards can be provided to an activation system to process the activation of the plurality of cards. ... | 02/05/2013 |
| 8364587 | Systems and methods for financial account access for a mobile device via a gateway Systems and methods for providing secure access of at least one of multiple financial account processors to a mobile device and/or facilitating secure financial transactions initiated from a mobile device via a gateway. One method can include receiving a mobile pers... | 01/29/2013 |
| 8346636 | Processing system for acquiring and reporting compliance with data security requirements Methods, systems, and machine-readable media are disclosed for tracking and reporting information related to compliance with a set of security requirements by one or more entities handling financial transaction information. According to one embodiment, a system can ... | 01/01/2013 |
| 8346611 | Systems and methods for pre-paid futures procurement A transaction processor can receive transaction information from a transaction between a customer and a merchant. The transaction information includes an account identifier associated with a financial account of the customer. The processor determines that the accoun... | 01/01/2013 |
| 8321338 | Electronic network access device Methods and systems are described for processing transactions. The methods and systems enable a consumer to present a customer identifier, such as a merchant loyalty or membership card or other identifier as a payment device at a point of sale. In one implementation... | 11/27/2012 |
| 8315952 | Money transfers using digital cash Methods and systems are described for transferring funds from a sender to a recipient. Source funds are received from a sender. An amount of recipient funds is determined from a value of the source funds. A transfer identifier associated with the recipient funds is ... | 11/20/2012 |
| 8315929 | Online incremental payment method According to the invention, a process for transferring funds between a payor and a payee in an online transaction is disclosed. In one step, information is received from the payor for debiting a bank account associated with the payor. Authorization is transmitted to... | 11/20/2012 |
| 8306846 | Transaction location analytics systems and methods One embodiment provides a method for evaluating transaction data to determine point of location usage. This could be, for example, to determine where customers are mostly likely to shop before or after shopping at a given merchant. For instance, the method could sho... | 11/06/2012 |
| 8296233 | Electronic payment instrument and packaging Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device. ... | 10/23/2012 |
| 8271380 | Decentralized guaranteed stored value transfer system and method System and methods for facilitating the settlement of financial accounts across different entities utilize a host computer system that tracks financial transactions made at each merchant location or store and uses this information to reconcile accounts across differ... | 09/18/2012 |
| 8255318 | Applicant authentication A method of authenticating an applicant. A history is obtained of transactions performed on an account held by the applicant and for which the applicant has been previously authenticated. The transaction history includes information about each transaction. The appli... | 08/28/2012 |
| 8244632 | Automated transfer with stored value According to the invention, a method for automatically transferring an incoming payment to a handler is disclosed. In one step, the incoming payment associated with a payee is received. A first predetermined rule that applies to the incoming payment is determined. T... | 08/14/2012 |
| 8225284 | Methods and systems for testing software development Methods and systems are provided for generating a test bed from an input data set that has multiple data elements. A development program, which includes multiple decision points, is executed using each of the data elements as input to the development program in a se... | 07/17/2012 |
| 8195570 | Generation of receipts for check point of sale device In accordance with one embodiment of the invention, a system is provided that allows a point of sale device to capture the signature of a check writer at the time a check is presented for ACH processing. In accordance with another embodiment, a test can be made to c... | 06/05/2012 |
| 8195500 | Point-of-sale-based market tracking and reporting Systems and methods are described for transforming actual aggregated data (e.g., transaction and terminal data) from a large number of POS terminals into market trend reports that include macro-level trend data and analyses. For example, POS datasets are aggregated ... | 06/05/2012 |
| 8157178 | Manufacturing system to produce contactless devices with switches A contactless device comprises circuitry storing information, a switch having a first position and a second position, and a fusible link. When the fusible link is intact, wireless reading and writing of the information is enabled regardless of the position of the sw... | 04/17/2012 |
| 8140887 | System and method for providing data services via a network A method and system are provided for performing an activity. Accordingly, an activity to be performed is determined, a stored hierarchy is examined indicating a first alternate component for performing the activity first and a second alternate component for performi... | 03/20/2012 |
| 8140387 | Customer retention systems and methods A method of communicating a renewal incentive for an expiring account to a user of the account. The method includes the steps of identifying a renewal date for the account with a host computer, and calculating whether the account qualifies for the renewal incentive ... | 03/20/2012 |
| 8107881 | Wireless translation device A translator for translating wireless communications. The translator includes a first antenna configured to carry signals between the wireless translator and a contactless payment reader, and a second antenna configured to carry signals between the wireless translat... | 01/31/2012 |
| 8095113 | Onetime passwords for smart chip cards A financial transaction card is provided according to various embodiments described herein. The financial transaction card includes a card body with at least a front surface and a back surface. The financial transaction card may also include a near field communicati... | 01/10/2012 |
| 8073736 | Systems and methods for redeeming rewards associated with accounts Among other things, the present invention provides systems and methods for fulfilling reward redemptions. In some cases, the systems and methods receive redemption requests associated with an account. The redemption request can be satisfied from a reward associated ... | 12/06/2011 |
| 8063781 | Secure RFID packaging Methods and systems are provided for preparing radio-frequency devices for secure distribution. Multiple such radio-frequency devices are received. Each device has an embedded radio-frequency transponder. Each radio-frequency devices is moved sequentially to station... | 11/22/2011 |
| 8055584 | Systems and methods for fraud management in relation to stored value cards Systems and methods for monitoring and/or preventing fraud in relation to account acquisition. In some cases, this account acquisition is ongoing in relation to stored value accounts. Some of the methods provide for receiving suspicious activity indications from one... | 11/08/2011 |
| 8055581 | Management of financial transactions using debit networks Methods and systems are disclosed of enrolling a customer to perform an action. A first piece of information is received at an authentication processor from an over-the-air processor. The first piece of information was provided to the over-the-air processor by the c... | 11/08/2011 |
| 8036938 | Personal check acceptance systems and methods Tools for facilitating the acceptance of personal checks and other presentation instruments. The tools, in some aspects, allow for preauthorization of a personal check (or other presentation instrument) prior to the merchant receiving the actual check, allowing a me... | 10/11/2011 |
| 8025221 | Stored value card transaction control systems and methods A gift card processing system which includes a database storing interval information representing a required interval between transactions using the gift card. The database also stores data representing the maximum amount of each transaction. The gift card processin... | 09/27/2011 |
| 8024240 | Account management systems and methods A method of managing accounts relating to presentation instruments includes receiving at a host computer system information from a client defining an account management rule. The rule includes an event, a condition, and an action to be taken if the condition is sati... | 09/20/2011 |
| 8015085 | System for distributing funds A system is described allowing the transfer of funds, for example, from an employer to a third-party intermediary which can distribute the funds via a payroll card to an employee. The system allows a portion of the population such as that which does not use traditio... | 09/06/2011 |
| 7991692 | Electronic payment instrument and packaging Methods and systems provide and utilize a transceiver-based electronic payment device to consumers in an arrangement which allows for convenient carrying of the device and payment using the device. ... | 08/02/2011 |
| 7985316 | Adhesive applicator systems and methods Systems and method are provided for affixing attachments, such as double-sided adhesive slips, to credit cards and other presentation instruments. Exemplary systems include a conveyor configured to transport the article along an article processing path, and an attac... | 07/26/2011 |
| 7979894 | Electronic verification service systems and methods Systems and methods for authenticating an applicant. In one implementation, the applicant indicates to an acquirer an existing account for which the applicant wishes to be authenticated. The acquirer sends a message over an electronic funds transfer (EFT) network to... | 07/12/2011 |
| 7978901 | Centralized processing of checks for distributed merchant locations According to one embodiment of the invention, a system can be provided to detect fraudulent activity occurring during check processing. Such fraudulent activity can be detected for example by monitoring the electronic check imaging process and performing checks on t... | 07/12/2011 |
| 7967195 | Methods and systems for providing guaranteed merchant transactions A network arrangement is provided for processing credit transactions. A financial network is used to route communications securely between interfaces with the financial network. Merchant systems are coupled with the interfaces, with each merchant system transmitting... | 06/28/2011 |
| 7966263 | Wireless phone RF presentation instrument with sensor control A mobile communications device is described which includes an input sensor, a memory unit, processing unit, and an antenna configured to wirelessly transmit and receive financial account data for a transaction. The antenna is configured to receive a request for data... | 06/21/2011 |
| 7966192 | Method and apparatus for processing electronic dispute data One embodiment of the invention allows a merchant to obtain a request sent by an investigator for supporting documentation or information and reply with a scanned document in reply to the investigator's request. The investigator can then process the scanned document... | 06/21/2011 |
| 7962405 | Merchant activation tracking systems and methods A method for analyzing merchant account information comprises receiving at a server computer application information on merchants applying for credit service accounts. The application information is electronically stored at a storage location. At the server computer... | 06/14/2011 |
| 7962355 | Presentation instrument production equipment and methods A method of preparing a presentation instrument includes receiving, at a host computer system, an electronic transmission from an external customer. The external customer is an entity other than the operator of the host computer system. Transactions using the presen... | 06/14/2011 |
| 7959069 | Systems and methods for interfacing location-base devices Systems and methods for electronically processing accounts receivable (AR) check transactions via a location-base device associated with a merchant. The location-base device, such as a point-of-sale (POS) device, can be configured to perform various functions that f... | 06/14/2011 |
