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| Number | Title | Issue Date |
| 8117097 | Method and system for identifying fraudulent account activity A method and system is provided that evaluates several pieces of information associated with bank accounts at the time they are opened in order to assess the level of fraud risk that the new account creates for the bank. When a new customer establishes an account th... | 02/14/2012 |
| 8117096 | Private equity accounting and reporting system and method A private equity accounting and reporting system and method are provided herein. ... | 02/14/2012 |
| 8112327 | Method and system of bidirectional marketing with feedback The invention discloses a method and system of bi-directional marketing with feedback, comprising: building up a consuming net system that promotes the business between customer and seller. The consuming net system signs a contract with customer, then the consumer b... | 02/07/2012 |
| 8108266 | Methods for providing secure eCommerce transactions A method of facilitating an eCommerce transaction between a consumer and an eCommerce merchant via a third party entity is provided. The eCommerce merchant receives a selection of goods for purchase and a first code from the consumer. The eCommerce merchant transmit... | 01/31/2012 |
| 8108273 | Replicating data in financial systems Systems and methods for replicating data communicated over a network. According to one embodiment, among several embodiment, a data replication system includes a first interface table and a first application associated with a first computing system. The first applic... | 01/31/2012 |
| 8108272 | Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program including pre-authorization of certain payment requests by select creditors. The computer estimates a value of one or more prio... | 01/31/2012 |
| 8103561 | Reconciling financial transactions Systems and methods for reconciling financial transactions are described with respect to a number of embodiments of the present disclosure. In one implementation, among others, a method includes enabling a user to define how different types of financial items are gr... | 01/24/2012 |
| 8099340 | Financial transaction controls using sending and receiving control data A financial transactions control system may impose controls on the processing of financial transaction data that is generated by sending jobs and received and processed by receiving jobs. It may include a control data generating system associated with each of the re... | 01/17/2012 |
| 8099341 | System and method for recreating tax documents Systems and methods for recreating a copy of a previously filed tax document of a user is provide. In exemplary embodiments, an order processing engine receives a user's order request for a copy of a previously filed tax document. The order request is processed with... | 01/17/2012 |
| 8095438 | Methods and systems for assigning interchange rates to financial transactions using an interchange network A method for assigning an interchange rate to a financial transaction is provided. The method uses at least one input device in communication with an interchange database. The financial transaction is initiated by a cardholder using a card over a card interchange, t... | 01/10/2012 |
| 8095439 | Receipt visualization and receipt data applications Visually presenting spending behavior, spending patterns, and spending activity to a consumer across of their all receipt based purchase transactions. Receipt data is received at a first or host computer from respective transaction processing devices or host systems... | 01/10/2012 |
| 8095437 | Detecting missing files in financial transactions by applying business rules A financial transactions control system for imposing controls on the processing of financial transactions may include a storage system configured to store records relating to the financial transactions and a set of user-specified business rules, each of which specif... | 01/10/2012 |
| 8095436 | Method, graphical user interface, and system for categorizing financial records A method for categorizing financial records involves obtaining multiple financial records from a financial institution. Each financial record in the multiple financial records is categorized using a category selected from multiple categories, where the multiple cate... | 01/10/2012 |
| 8090633 | Method and apparatus for image data based valuation The present invention teaches methods and apparatus for capturing image of a subject property and utilizing the captured image data to determine a value of the subject property. In some embodiments, one or more of VideoDriveBy and VideoWalkABout are included in the ... | 01/03/2012 |
| 8086507 | Method for administering finances via an electronic network The present invention provides a method of administering finances via an electronic network. The administrator creates accounts for users that the administrator wants to oversee. The administrator can supply financial parameters to configure the accounts where such ... | 12/27/2011 |
| 8082193 | Multi-jurisdictional payroll requirements Payroll requirements are compiled from a plurality of jurisdictions. A plurality of payroll codes are cataloged that are required in one of the plurality of jurisdictions. A user representation includes the plurality of payroll codes. An implementation representatio... | 12/20/2011 |
| 8082195 | Prepaid value account with reversion to purchaser systems and methods Systems, methods, and devices are described for a refundable prepaid transaction cards. The methods and systems include a prepaid transaction card funded with funds by a purchaser. Also included is an issuer. The issuer receives the funds a distributes a prepaid tra... | 12/20/2011 |
| 8082194 | Systems and processes for determining costs associated with internal software development Systems and processes may receive and analyze billing information and/or business expenditures to determine costs associated with jobs corresponding to an internal development of software for internal use. The billing information and/or business expenditures may be ... | 12/20/2011 |
| 8078508 | Method and system for upgrading to an integrated financial product A method for upgrading from a stand-alone product to an integrated financial product, that includes generating a plurality of product accounts associated with a user of the stand-alone product, modifying, while using the stand-alone product, the plurality of product... | 12/13/2011 |
| 8069093 | Website user account linking A method for managing a plurality of commercial website accounts maintained by a supplier of goods or services includes receiving a structure via a first computer screen, where the structure specifies a relationship between a first one of the plurality of commercial... | 11/29/2011 |
| 8060417 | Date effective quantity on hand and adjusted unit cost calculation An accounting method can insert changes that affect average cost calculations after the initial average cost calculations. The method can go back in time and add in transactions that affect average cost and re-calculate average cost based on the added entry to all e... | 11/15/2011 |
| 8060467 | On-line account management system having a synchronized account information data store A system and method for on-line management of account information by customers of a provider of goods or services. A web server receives billing information from a telecommunications service provider in a standardized XML-format readily suitable for viewing by the c... | 11/15/2011 |
| 8060418 | Digital footprint driven multi-channel integrated support system A digital footprint driven multi-channel integrated support system assists a user in managing electronic components based on his or her digital footprint. The digital footprint driven multi-channel integrated support system delivers a dramatically improved ‘digita... | 11/15/2011 |
| 8055557 | Transfer account systems, computer program products, and associated computer-implemented methods Embodiments of the present invention include transfer account systems, computer program products, and associated computer-implemented methods of providing prioritized payments from the proceeds of automatic or direct deposits. Embodiments of the present invention in... | 11/08/2011 |
| 8055558 | Method and system for authentication via communication terminal using short message The present invention discloses a method and a system for authentication via a communication terminal using short messages, in order to solve the problems that the content of a short message is easy to be leaked out by a proxy SP and that the loss and delay of a sho... | 11/08/2011 |
| 8055556 | User interface for rapid entry of timesheet data A user interface for receiving time entries in a timesheet is described. This user interface includes a user-interface element in the form of a calendar, where the calendar contains one or more time entries associated with at least a financial activity. Moreover, a ... | 11/08/2011 |
| 8050975 | System and method to manage supply chain settlement, risk and liquidity A system to manage a supply chain may include a purchase order management module operable on a processor to electronically receive purchase order information from a buyer and to store and track information associated with each purchase order. The system may also inc... | 11/01/2011 |
| 8050987 | 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 bu... | 11/01/2011 |
| 8027891 | Interactive online spending analysis tool Embodiments of the present invention are directed to interactively displaying account activity. An analysis of financial transactions associated with a financial unit can be performed by a spending analysis tool, which can display the analysis via a website. The ana... | 09/27/2011 |
| 8027887 | Data processing method In one example, a data processing method is provided for the time-optimized calculation of a large number of result data sets at the end of a period. The calculation can be based on data. A time span can be determined for which the underlying data are to be taken in... | 09/27/2011 |
| 8027888 | Online credit card prescreen systems and methods In one embodiment, prescreened credit card offers, which are associated with credit cards that a particular borrower would be accepted upon application with the respective issuer, are provided to a borrower via a prescreen provider website and/or a referrer website.... | 09/27/2011 |
| 8027890 | Methods and systems for processing a financial transaction A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, det... | 09/27/2011 |
| 8027889 | Systems and methods for price searching via a mobile device reading display screen graphics Price searching via a mobile device reading display screen graphics is provided. A system for obtaining pricing information comprises at least one subsystem that electronically reads a price of a product using a mobile device scanning a display screen, at least one ... | 09/27/2011 |
| 8024238 | Negative balance management A system, apparatus, and method for managing account data for accounts having a negative balance. The invention embodiment includes a method, process or workflow for processing data for accounts associated with a debit, credit, pre-paid card or other form of financi... | 09/20/2011 |
| 8024239 | Aqua index A method and system for computing a stable index value of a regulated substance by computing a virtual value of the substance based on the value of a freely marketed product of the substance. Particularly the invention may be applied to develop a stable investment i... | 09/20/2011 |
| 8019663 | Transportation withdrawal and rebalance of cash handling device A method, apparatus, computer-readable medium and system are disclosed that provide for rebalancing/reallocating funds within a cash handling device. The cash handling device may include one or more stackers, cartridges, rollers, or the like. Service personnel may (... | 09/13/2011 |
| 8015082 | Terminal device, accounting system and data processing method This invention relates to a terminal device capable of communicating with an accounting center, an accounting system, and a data processing method. A point memory 45 of a recording/reproducing device 10 stores accounting point information. An HDD 15... | 09/06/2011 |
| 8010395 | Program storage device for project preparing a procurement and accounts payable system A program storage device for coordinating a project for designing, implementing, and using a general procurement and accounts payable (GP/AP) system for a customer. A playbook database is created and includes templates of information relating to designing, implement... | 08/30/2011 |
| 8005729 | Environment modification using system and usage data Environment modification using system and usage data is described, including receiving environmental data from one or more sources, the environmental data being associated with an environment, determining a change in the environmental data by comparing a current val... | 08/23/2011 |
| 8001020 | Budgetary ledger A system and method for maintaining budget related transactions in a financial management system. A financial management system may include a general ledger to maintain account balances and a budgetary ledger to maintain account balances only for budget related tran... | 08/16/2011 |
