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| Application No. | Application Title | Issue Date |
| 20110047294 | ADAPTIVE GATEWAY FOR SWITCHING TRANSACTIONS AND DATA ON UNRELIABLE NETWORKS USING CONTEXT-BASED RULES Application level switching of transactions at a gateway is provided. The gateway is configured to switch the transaction based on the application level content, a current state of a transport environment, and/or dynamic rules for switching transactions. For example, se... | 02/24/2011 |
| 20110047076 | ALIAS REPUTATION INTERACTION SYSTEM Systems and method for generating reputation information for an alias are provided. The alias is associated with an entity. Payment transaction information related to a first alias associated with a first entity is received. The payment transaction information includes ... | 02/24/2011 |
| 20110047040 | ALIAS IDENTITY AND REPUTATION VALIDATION ENGINE Methods and system for determining reputation information are provided. The method includes analyzing transactional and non-transactional information for an alias associated with an entity and determining reputation information for that alias. The reputation information... | 02/24/2011 |
| 20110046969 | ALIAS HIERARCHY AND DATA STRUCTURE Methods for creating an alias data structure are provided. A representative method includes receiving transaction information related to a first alias associated with an entity, receiving transaction information between a first object and the entity, and associating the... | 02/24/2011 |
| 20110040686 | MOBILE PAYMENT SYSTEM AND METHOD USING ALIAS Methods and systems are disclosed for allowing financial transactions to be conducted using mobile phones. A payer initiates a transaction by sending a payment request message from a mobile phone which specifies the payee and amount to be paid. Payees are identified by ... | 02/17/2011 |
| 20110040682 | AUTOMATED FUNDING FOR PREPAID CARD Systems and methods for funding prepaid cards or prepaid accounts in a prepaid account payroll program are presented. In one embodiment, a payroll program having employers who pay into employees' prepaid card accounts is presented. An additional prepaid account is provi... | 02/17/2011 |
| 20110036906 | Gift Card Purchasing System In a disclosed embodiment, a bill pay system presents a bill payment interface having an area for presenting bill payment details. The bill payment interface includes the display of one or more offers for purchase of gift cards. The one or more offers for purchase of gi... | 02/17/2011 |
| 20110035319 | SYSTEMS AND METHODS FOR ENROLLING USERS IN A PAYMENT SERVICE Embodiments of the invention are direction to systems, apparatuses and methods for enrolling users in a payment service that enables an individual (“a presenter”) to conduct a payment transaction with another party (“an acceptor”) more efficiently in situations ... | 02/10/2011 |
| 20110035317 | SEEDLESS ANTI PHISHING AUTHENTICATION USING TRANSACTION HISTORY Systems and methods for providing authentication verification for a correspondence and other messages are disclosed. A link, such as a uniform resource locator (URL) link, is placed in a correspondence and sent to a user. When the user follows the link, a list of person... | 02/10/2011 |
| 20110035266 | METHOD AND SYSTEM FOR CONDUCTING PROMOTIONAL PROGRAMS A method for using promotional programs and merchant values is disclosed. In one example, the method includes receiving an authorization request message including a merchant verification value through a payment processing network, where the authorization request message... | 02/10/2011 |
| 20110022518 | APPARATUS INCLUDING DATA BEARING MEDIUM FOR SEASONING A DEVICE USING DATA OBTAINED FROM MULTIPLE TRANSACTION ENVIRONMENTS An apparatus includes a processor and a set of instructions stored in a memory, where when executed by the processor, the instructions implement a method or process of determining if a consumer device should be accepted as valid based on correlating a location of the de... | 01/27/2011 |
| 20110022517 | APPARATUS INCLUDING DATA BEARING MEDIUM FOR AUTHORIZING A PAYMENT TRANSACTION USING SEASONED DATA A system, apparatus, and method for expediting the authorization of an electronic payment transaction. Authorization of a transaction at a node of an authorization network is the result of inferring the trustworthiness of a customer to the transaction using data obtaine... | 01/27/2011 |
| 20110022483 | APPARATUS INCLUDING DATA BEARING MEDIUM FOR REDUCING FRAUD IN PAYMENT TRANSACTIONS USING A BLACK LIST A system, apparatus, and method for reducing fraud in electronic payment transactions. The apparatus includes a processor that executes instructions to implement a process to identify consumer or merchant devices that have been used in fraudulent transactions and preven... | 01/27/2011 |
| 20110016052 | Event Tracking and Velocity Fraud Rules for Financial Transactions A fraud rule can be applied to a transaction according to a first authorization parameter. The transaction is passed to a filtering rule which is applied to the transaction according to a second authorization parameter. The filtering rule can approve the transaction for... | 01/20/2011 |
| 20110016051 | INTELLIGENT AUTHENTICATION Systems and methods for intelligently authenticating payment transactions are disclosed. A user initiates a payment transaction to purchases goods or services from a merchant. The merchant sends a payment initiation request to a server computer in communication with a p... | 01/20/2011 |
| 20110016041 | Triggering Fraud Rules for Financial Transactions Embodiments of the invention provide a method to process a transaction. At least one risk factor associated with a consumer account can be triggered by the transaction. The risk factor intersects the transaction with an associated fraud rule, which is in turn applied to... | 01/20/2011 |
| 20110016007 | METHOD AND APPARATUS FOR MANAGEMENT OF ELECTRONIC RECEIPTS ON PORTABLE DEVICES A system for managing electronic receipts is provided. According to one aspect, the system includes a portable device, a base device, a user device and an electronic receipts administration system. The electronic receipts administration system provides the base device w... | 01/20/2011 |
| 20110010296 | SYSTEM FOR PERSONAL AUTHORIZATION CONTROL FOR CARD TRANSACTIONS An authorization system allows for cardholder-provided parameters to a personal authorization subsystem. The parameters can be selected by the cardholder to limit the authorizations that would otherwise be granted on the card. The parameters can indicate limits by frequ... | 01/13/2011 |
| 20110010234 | MOBILE DEVICE INCLUDING AUTO INITIATION Systems and methods for redeeming coupons are provided. The method includes receiving a coupon at a mobile payment device, determining whether a mobile payment application is active. If the mobile payment application is not active, the mobile payment device may automati... | 01/13/2011 |
| 20110004553 | TRACK DATA ENCRYPTION A method for using a secondary PAN is disclosed. The method includes providing a secondary PAN associated with a primary PAN, where the secondary PAN has at least one end portion that is the same as the primary PAN, but has a middle portion of that is different than the... | 01/06/2011 |
| 20110004552 | METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the tran... | 01/06/2011 |
| 20110004548 | METHOD AND SYSTEM FOR CONDUCTING A COMMERCIAL TRANSACTION BETWEEN A BUYER AND A SELLER A system for conducting a commercial transaction between a buyer and a seller is disclosed. The system includes a transaction processing system for facilitating payment for a transaction between the buyer and the seller. In addition to the buyer and the seller, the tran... | 01/06/2011 |
| 20110004526 | PORTABLE CONSUMER DEVICE VERIFICATION SYSTEM A method for verifying a portable consumer device. The method includes receiving an authorization request message associated with a transaction conducted using a portable consumer device. The portable consumer device includes a portable consumer device fingerprint. The ... | 01/06/2011 |
| 20110000962 | Transit Access System and Method Including Device Authentication A system, apparatus, and method for enabling effective use of a contactless payment device in a transit system. The invention may be implemented in a manner that separates the authentication process from the pre-authorization process, thereby permitting a transit system... | 01/06/2011 |
| 20100332393 | ONLINE PAYER AUTHENTICATION SERVICE A payment authentication service authenticates the identity of a payer during online transactions. The authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of pa... | 12/30/2010 |
| 20100332382 | PORTABILITY OF FINANCIAL TOKENS A method determines that a first relationship between a holder of a portable consumer device and a first employer is terminated. In response to determining that the first relationship is terminated, the method also disassociates account information of the portable consu... | 12/30/2010 |
| 20100332251 | ELECTRONIC PAYMENT DELIVERY SERVICE Systems and methods for providing finance-related services such as electronic payment delivery are disclosed. In accordance with one embodiment, a payment system is configured to receive a payment message including a type of information, and to add an identification num... | 12/30/2010 |
| 20100327054 | SECURE COMMUNICATION OF PAYMENT INFORMATION TO MERCHANTS USING A VERIFICATION TOKEN Disclosed are apparatuses, systems, and methods pertaining to the secure communication of payment information from portable consumer devices, such as credit cards, to online merchants using verification tokens.... | 12/30/2010 |
| 20100325717 | System and Method for Managing Access to a Plurality of Servers in an Organization A system for managing access to resources in a plurality of servers by a plurality of client computers by using an operating system independent Secure Shell (SSH) protocol running in each server and using a central policy database that centrally stores access rules whic... | 12/23/2010 |
| 20100325706 | AUTOMATED TEST TO TELL COMPUTERS AND HUMANS APART Techniques for verifying a user is human as opposed to a machine are provided. A series of images may be presented to the user sequentially along with a challenge question that instructs the user to select the image that is responsive to the challenge question. If the u... | 12/23/2010 |
| 20100325048 | SYSTEM AND METHOD FOR PROVIDING CONSUMER TIP ASSISTANCE AS PART OF PAYMENT TRANSACTION Systems, apparatuses, and methods for conducting payment transactions are disclosed. In exemplary embodiments, a consumer may wish to add a tip or gratuity when paying for a good or service, such as a meal at a restaurant. Exemplary systems may generate an alert or othe... | 12/23/2010 |
| 20100325047 | SYSTEM AND METHOD FOR PROVIDING ADVICE TO CONSUMER REGARDING A PAYMENT TRANSACTION Systems, apparatuses, and methods for providing a consumer with an alert or other information regarding a payment transaction. When a consumer conducts a payment transaction, an alert may be sent to a device to enable the consumer to view the alert. The contents of the ... | 12/23/2010 |
| 20100325035 | FRAUD/RISK BUREAU Systems and methods for generating fraud/risk report for consumers are disclosed. A server computer in a fraud/risk system receives a request from a client computer of a user for a fraud/risk report associated with a consumer. The server computer queries a database that... | 12/23/2010 |
| 20100318783 | SERVICE ACTIVATION USING ALGORITHMICALLY DEFINED KEY Systems and methods for service activation using algorithmically defined keys are disclosed. A consumer who has a relationship with a first party may wish to enroll in a service provided by a third party. The first party can maintain control of such enrollments through ... | 12/16/2010 |
| 20100318464 | COMPLIANCE CONTROL IN A CARD BASED PROGRAM An analysis system processes financial transactions data for compliance with a payment program, such that the processing involves receiving data relating to a set of financial transactions that have been authorized by a payment processing system, and determining if one ... | 12/16/2010 |
| 20100312703 | SYSTEM AND METHOD FOR PROVIDING AUTHENTICATION FOR CARD NOT PRESENT TRANSACTIONS USING MOBILE DEVICE A system, apparatus, and method includes infrastructure and processes to enable a consumer to register their mobile phone number and associate that number with a payment account. After registration, the consumer may use their mobile phone to initiate or perform one or m... | 12/09/2010 |
| 20100311466 | CONTACTLESS DISABLEMENT A method for controlling a contactless interface on a dual interface portable device are provided. The method allows for contactless enablement and disablement on both a temporary and semi-permanent basis, dependent on commands sent to the device by the issuer of the po... | 12/09/2010 |
| 20100306029 | Cardholder Clusters A system and method of using transaction data for a population of account holders, such as credit card holders, is described. A frequency distribution input variable (Frd) and average amount distribution input variable (Avd) are calculated for each account and each merc... | 12/02/2010 |
| 20100305993 | MANAGED REAL-TIME TRANSACTION FRAUD ANALYSIS AND DECISIONING A system, apparatus, and method for providing real-time or pseudo real-time processing of transactions for a set of clients using a common or partially common rule base. Each client is assigned to a tier or category with the tier or category defined by specified perform... | 12/02/2010 |
| 20100299267 | DEVICE INCLUDING ENCRYPTED DATA FOR EXPIRATION DATE AND VERIFICATION VALUE CREATION In order to make it more difficult to obtain numbers that can be used to conduct fraudulent transactions, a portion of a real account number is encrypted. The encrypted portion of the account number is used to generate a new account number, a new expiration date, and a ... | 11/25/2010 |
