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| Application No. | Application Title | Issue Date |
| 20120130887 | POINT OF SALE SAVING SYSTEM An Internet-implemented computerized saving and investment system, that in use is integrated with a business's point of sale system, with which employees, for example employee who are compensated at least in part by tips from customers, may direct that funds be deposite... | 05/24/2012 |
| 20120130731 | SCHEDULED FUNDS TRANSFER PLATFORM APPARATUSES, METHODS AND SYSTEMS The SCHEDULED FUNDS TRANSFER PLATFORM APPARATUSES, METHODS AND SYSTEMS (hereinafter “SFT PLATFORM”) transforms user account information, fund transfer configuration inputs via SFT PLATFORM components into fund transfer transaction record and fund transfer to a trans... | 05/24/2012 |
| 20120130890 | METHOD AND SYSTEM FOR LEASE MANAGEMENT OF ULTRASONIC SYSTEM A system for lease management of an ultrasonic system includes a usage information collection unit to collect usage information regarding a usage of the ultrasonic system, and a lease management unit to determine whether the usage information provided from the usage inf... | 05/24/2012 |
| 20120130833 | Electronically maintained community escrow Coin types of coins with which a user is permitted to pay for a transaction are divided into first and second groups. The coin types of the second group are of lower value than those of the first group. A difference in which a total amount of the transaction is a minuen... | 05/24/2012 |
| 20120130888 | METHOD AND SYSTEM FOR DISTRIBUTION OF ADVERTISEMENTS TO MOBILE DEVICES PROMPTED BY AURAL SOUND STIMULUS A method for distributing context-based data using an acoustic receiving device and a high frequency analog acoustic signal is disclosed. The acoustic receiving device a high frequency analog acoustic signal. A high frequency analog acoustic signal is of a frequency of ... | 05/24/2012 |
| 20120130886 | SYSTEM AND METHOD FOR MONITORING AND TRACKING USER ACTIVITIES The disclosed embodiments assist a user in monitoring one or more user-selected activities. In addition, a user may share the monitored information with one or more people, such as a particular group of friends (e.g., friends associated with a social networking website)... | 05/24/2012 |
| 20120130895 | TRANSACTIONS ASSOCIATED WITH A MOBILE DEVICE Methods and apparatus, including computer program products, for transactions associated with a mobile device are discussed. A method can include receiving a merchant identifier, sending an identification data, receiving a transaction, and processing a funds transfer. Th... | 05/24/2012 |
| 20120130889 | FINANCIAL CARD METHOD, DEVICE AND SYSTEM UTILIZING BAR CODES TO IDENTIFY TRANSACTION DETAILS An electronic financial transaction arrangement using a payer device to read a machine-readable pay code in which transaction details for a specific transaction may be encoded by a pay code provider is disclosed. The machine-readable pay code may be distributed to the p... | 05/24/2012 |
| 20120109818 | Third Party Integrated Security System A third party payment system is provided which allows a user to conduct transactions through payment accounts stored on the third party payment system. The user can enroll in the third party payment system and create an account with registered payment accounts. The user... | 05/03/2012 |
| 20120109817 | Product and Method of Providing First Class Customer Service or Product Support Disclosed is productized customer service and related methods of use.... | 05/03/2012 |
| 20120109734 | Systems and Methods to Match Identifiers In one aspect, a system includes a transaction handler to process transactions, a data warehouse to store transaction data recording the transactions processed at the transaction handler and to store mapping data between first user identifiers and first account identifi... | 05/03/2012 |
| 20120109787 | GIFT CARD EXCHANGE KIOSKS AND ASSOCIATED METHODS OF USE The present disclosure is directed to gift card exchange kiosks and associated methods of use. In one embodiment, for example, a consumer operated kiosk can receive a gift card identifier associated with a gift card via a user interface and/or a card reader, verify the ... | 05/03/2012 |
| 20120109816 | COMPUTER-IMPLEMENTED METHODS, PROGRAM PRODUCT, AND SYSTEM TO ENHANCE BANKING TERMS OVER TIME Managing access to a line of credit, for example, can include a financial institution computer determining eligibility for a line of credit program responsive to a consumers prior enrollment in a prepaid card program and one or more of the following: the consumer's hist... | 05/03/2012 |
| 20120084198 | Method and System for ACH Debit Delayed Availability A server includes a memory that stores a plurality of availability schedules, and a processor communicatively coupled to the memory. The processor is operable to access an automated clearing house (ACH) debit transaction received at an originating depository financial i... | 04/05/2012 |
| 20120084201 | Method and System for Transferring Electronic Funds A method and system for transferring electronic funds over the Internet wherein a sender provides payment information to a transfer processing system. The sender may choose from a plurality of types of funds transfer. The transfer processing system sends an electronic p... | 04/05/2012 |
| 20120084210 | MOBILE DEVICE PAYMENT SYSTEM Technology is provided for using a mobile device as part of a payment system. The mobile device utilizes an accessory with a security feature based on its connection state to the mobile device. When the accessory detects disconnection, the accessory deletes user account... | 04/05/2012 |
| 20120084199 | AUTOMATIC FORM FILLING A user, such as a merchant, populates a form, such as an on-boarding form from a payment provider, with information unique to the user. In one embodiment, the user enters a URL address. The information is communicated to the payment provider, who then obtains additional... | 04/05/2012 |
| 20120084200 | SYSTEMS AND METHODS FOR COMPLETING A FINANCIAL TRANSACTION One example embodiment includes a method for increasing payment security during a financial transaction. The method includes identifying the buyer, where identifying the buyer includes confirming the buyer's identity, and issuing a one-time payment code to the buyer. Th... | 04/05/2012 |
| 20120084154 | APPARATUS, SYSTEM AND METHOD FOR REAL-TIME CONTENT MANAGEMENT FOR PRINTING ON MEDIA The present disclosure describes a networked system of printers capable of printing programming in real time. Particularly, one implementation involves a network of printers coupled with a network that may obtain programming from a network location and print that progra... | 04/05/2012 |
| 20120072341 | ALLOCATING APPLICATION SERVERS IN A SERVICE DELIVERY PLATFORM Application service allocation may be provided. An initial filter criteria comprising an application service may be identified as being associated with a machine. A host address for the application service may be resolved, and the application service may be invoked. A s... | 03/22/2012 |
| 20120072353 | ENHANCED SYSTEM AND METHOD FOR MULTIPATH CONTACTLESS TRANSACTIONS A system for multipath contactless transaction processing, comprising a networked server comprising a processing unit, a billing entity based on a first networked computing device comprising a processing unit and a video screen, the video screen at least sometimes viewa... | 03/22/2012 |
| 20120072340 | METHODS AND SYSTEMS FOR ESTABLISHING COMMUNICATIONS WITH MOBILE DEVICES A method comprises determining, at a first communication terminal, that a second communication terminal is at a selected geo-spatial location relative to the first communication terminal and transmitting from the first communication terminal, a broadcast invitation to t... | 03/22/2012 |
| 20120072343 | REMOTE IMAGE CAPTURE WITH CENTRALIZED PROCESSING AND STORAGE A system for remote data acquisition and centralized processing and storage provides comprehensive support for processing documents and electronic data associated with different applications including sales, business, banking and general consumer transactions. The syste... | 03/22/2012 |
| 20120072305 | TRANSACTION SPLIT FEES A transaction fee imposed by a payment provider may be allocated between the parties to an on-line transaction in any way and at any time. This adds flexibility to the transaction and allows the parties to allocate the transaction fee on a per transaction basis that bes... | 03/22/2012 |
| 20120054094 | MULTIPLE-ENTITY TRANSACTION SYSTEMS AND METHODS Methods and systems are provided for performing a funds transfer. The method may include determining which of a plurality of different funds-transfer companies is able to complete the funds transfer in accordance with defined parameters. The method may also include dete... | 03/01/2012 |
| 20120054093 | SYSTEM AND METHOD FOR PROVIDING TIME TO CURE NEGATIVE BALANCES IN FINANCIAL ACCOUNTS WHILE ENCOURAGING RAPID CURING OF THOSE BALANCES TO A POSITIVE NET POSITION A computer implemented method and system for providing financial services are described. The system and method include determining an account balance for a financial account. If the account balance is negative, notice of the negative balance is sent to the account holde... | 03/01/2012 |
| 20120054095 | ACCOUNT OPENING COMPUTER SYSTEM ARCHITECTURE AND PROCESS FOR IMPLEMENTING SAME The present invention provides, in alternative embodiments, a computer architecture and/or computer implemented methods for account opening. In some embodiments, the invention provides an integrated, component-based technology platform in which globally standardized, bu... | 03/01/2012 |
| 20120054089 | Method and Apparatus for Providing Ongoing Cash Access A method and system for providing ongoing access to cash is disclosed. A funding request is received from a merchant. A maximum approved amount is determined based on analyzing past sales transaction volume data of the merchant. A funded amount is deposited to the merch... | 03/01/2012 |
| 20120054096 | SYSTEM AND METHOD FOR INTRA- AND INTER-JURISDICTIONAL COLLECTION AND DISTRIBUTION OF FUNDS Systems, methods, devices, and computer programming product for electronic funds collection, transfer and administration using a computer network, including particularly the collection of funds from multiple jurisdictions for distribution to charities, such as disaster ... | 03/01/2012 |
| 20120047024 | DIGITAL SIGNAGE SYSTEM A method of operating a digital signage system. The method includes creating at least one user account, creating or retrieving a display content to be displayed on a display device, searching for a display location and at least one display device associated with the dis... | 02/23/2012 |
| 20120041870 | Systems and Methods to Identify Carrier Information for Transmission of Premium Messages In one aspect, a system includes an interchange with a data storage facility. The interchange includes a common format processor and a plurality of converters to interface with a plurality of different controllers of mobile communications. The converters are configured ... | 02/16/2012 |
| 20120041871 | CONTROLLING CONSUMPTION OF A SHARED SERVICE There is provided a method that includes (a) obtaining a first balance indicative of a first available funding for a service for a subscriber, in which the first balance may be consumed by the subscriber; (b) obtaining a second balance indicative of a second available f... | 02/16/2012 |
| 20120039809 | SYSTEMS AND TECHNIQUES FOR MONITORING SUBJECTS The present invention generally relates to systems and methods for monitoring and/or providing feedback for drugs or other pharmaceuticals taken by a subject. In one aspect, the present invention is directed to devices and methods for determining a species within the sk... | 02/16/2012 |
| 20120041854 | METHOD AND APPARATUS FOR PROCESSING ON-LINE DONATIONS ASSOCIATED WITH MEDIA CONTENT A computer-implemented method and apparatus for processing on-line donations associated with media content is disclosed. An example embodiment includes elements to integrate a payment button with an associated item of media content on a web page; link the payment button... | 02/16/2012 |
| 20120041872 | SYSTEM AND METHOD FOR PAYMENT DATA PROCESSING A system for processing transaction data and payment data is provided. The system includes a front-end system that receives transaction data from one or more merchants, such as an employee identifier. A back-end system receives payment data from one or more payment syst... | 02/16/2012 |
| 20120041873 | METHOD AND SYSTEM FOR PROCESSING TRANSFER REQUESTS Methods and system for processing transfer requests are described. In one embodiment, a value transfer request may be received from a value provider through a network. The value transfer request may include a value amount to be provided from a source user to a target us... | 02/16/2012 |
| 20120036063 | DYNAMIC CURRENCY CONVERSION SYSTEM AND METHOD A transaction terminal system for a card-based purchase communicates with a host system to provide dynamic currency conversion. The transaction terminal system can select one of a number of different rate request messages according to various local factors in order to o... | 02/09/2012 |
| 20120036070 | MODULAR TRANSACTIONAL BANKING PLATFORM A modular transactional banking platform is disclosed that separates the chassis of the account from all of the remaining optional package features, allowing users to select and customize the various components they wish to package into their account. The banking platfo... | 02/09/2012 |
| 20120036074 | MOBILE SYSTEM FOR EXACTING PARKING TOLLS Mobile systems are provided for charging electronic toll collection accounts for parking fees. The systems are configured to wirelessly request and receive tag data from an electronic toll device. Some embodiments include a vehicle and a boom, some embodiments include a... | 02/09/2012 |
| 20120036064 | UNIVERSAL MERCHANT APPLICATION, REGISTRATION AND BOARDING PLATFORM A system for processing e-commerce transactions. The system includes one or more processors programmed to receive a selection of one or more alternative payment brands from a merchant. Each of said alternative payment brands including a different merchant application pr... | 02/09/2012 |
