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| Number | Title | Issue Date |
| 8112353 | Payment service to efficiently enable electronic payment A method to forward a browser client is disclosed. The method comprises storing information at a payment service server. The information includes a return network address corresponding to a interface hosted by a merchant server. Next, the method performs the step of... | 02/07/2012 |
| 8108304 | Award system with increased payout options A cash rebate award system with increased payout options is presented, wherein a consumer using a financial alternative to currency is rewarded based on the purchases made by the consumer within a given time frame, and is allowed to electronically transfer the award... | 01/31/2012 |
| 8103584 | Systems and methods for authorizing an allocation of an amount between transaction accounts A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention... | 01/24/2012 |
| 8103582 | Multi-purpose transaction account A transaction account is disclosed that includes attributes of a checking or savings account in that, for example, an account holder earns interest on a positive balance in the account. The transaction account additionally includes attributes of a credit-card-type a... | 01/24/2012 |
| 8103583 | Computerized transaction method and system A computerized transaction method involves accepting offers at a computer from entities, the offers each comprising an identification of at least one transactable item and a value associated by each entity with the at least one transactable item, identifying a media... | 01/24/2012 |
| 8099359 | System and method for issuing negotiable instruments by licensed money transmitter from direct deposits Systems and methods for issuing negotiable instruments by a non-bank entity such as a Licensed Money Transmitter, from direct deposits to a regulated financial institution. A customer arranges for direct deposit of funds to a regulated financial institution, such as... | 01/17/2012 |
| 8099360 | Method and apparatus for issuing and managing gift certificates The present invention relates to a method and apparatus for issuing and redeeming a gift certificate drawn on a credit card or other financial account. In some aspects, issuing a gift certificate may comprise receiving a request for a gift certificate, determining a... | 01/17/2012 |
| 8095420 | Methods and systems for offering bundled goods and services A method and system implementing a variable pricing structure that applies to goods and services available from a vendor, and rewards customers who spend more is described. Customers can select a combination of the offered goods and services offered by a vendor, rat... | 01/10/2012 |
| 8090650 | Secure payment service and system for interactive voice response (IVR) systems A secure payment method, system or computer readable medium for a merchant's interactive voice response system are disclosed. The merchant's interactive voice response system receives customer calls and requests a payment from the customer. The customer responds to ... | 01/03/2012 |
| 8090651 | Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits Methods, systems, and computer readable media for facilitating the exchange of reciprocal deposits are disclosed. According to one aspect, the subject matter described herein includes a system for facilitating the exchange of reciprocal deposits. The system includes... | 01/03/2012 |
| 8086543 | Charity auctions on social networks for optimizing contributions to fundraising campaigns Methods, systems, and apparatuses for performing a fundraising campaign are provided. A charity is determined to receive contributions from a plurality of entities. With regard to the charity, contribution constraints are received from each entity of the plurality o... | 12/27/2011 |
| 8086530 | Electronic payment system utilizing intermediary account Payments in cash are submitted to a merchant at a point of sale. The payment transaction is effected electronically to credit the end user's intermediary account. Subsequent electronic communications between the intermediary account and a vendor site effect payment ... | 12/27/2011 |
| 8082210 | Authentication for online money transfers According to the invention, a method for processing a transaction where the transaction is initiated by a payor online, but paid to a payee in-person, is disclosed. In one step, payor information is accepted at a location that located across a wide area network from... | 12/20/2011 |
| 8082211 | Smart card purchase transactions using wireless telecommunications network A mobile handset includes a card reader; a gateway; a funds issuer computer; and an authentication computer. The handset receives a request to load a value onto the smart card. The handset generates a funds request and sends it to a funds issuer computer. The funds ... | 12/20/2011 |
| 8078534 | Cash supply chain surveillance The movement of physical cash and/or other monetary items along the cash supply chain requires security. Some security includes the continuous recordation of video or other images to provide a visual history of the activities that occurred at a particular location a... | 12/13/2011 |
| 8078535 | Value transfer systems and methods One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchas... | 12/13/2011 |
| 8078533 | Systems and methods for monitoring remittances for reporting requirements Financial transactions may be monitored for reporting requirements and regulatory compliance. A system provides for receipt of remittances, recognition of payment documents, storage of transaction information, and compliance verification by matching one or more cash... | 12/13/2011 |
| 8078536 | Method and system for cross-issuer registration of transaction cards Disclosed herein is a method of providing one or more transaction card services to a holder of a transaction card, the method comprising receiving a registration code from the holder, wherein the registration code is associated with the issuer of the transaction car... | 12/13/2011 |
| 8078531 | Auditing or determining reductions to card-issuer interchange fees This document describes tools capable of auditing and/or determining reductions to card-issuer interchange fees charged for credit-card transactions. The tools may do so automatically and with user interaction for thousands or even millions of transactions. ... | 12/13/2011 |
| 8078532 | Smart card loading transactions using wireless telecommunications networks A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card rea... | 12/13/2011 |
| 8073771 | Method and system for payer-centric payment using mobile terminal Provided are a method and system for payer-centric payment using a mobile terminal through which payment is made while information about a payer is not released to a participating store. Specifically, a terminal of the participating store transmits payment informati... | 12/06/2011 |
| 8073769 | Methods and systems for payment transactions in a mobile environment Methods and systems for conducting financial transactions in a mobile environment utilizing a mobile device such as a mobile telephone or wireless connected personal digital assistant (PDA) that communicates with a mobile financial transaction system (MFTS) that sto... | 12/06/2011 |
| 8073772 | Systems and methods for processing transactions using multiple budgets Facilitating commercial transactions using a payment system directory are disclosed. A payment directory and/or wireless point of sale (POS) device may be configured to use predetermined rules, a multitude of data items and/or conditions to locate a payment system, ... | 12/06/2011 |
| 8073770 | Person-to-person funds transfer Systems and methods are illustrated for performing a person-to-person funds transfer. A person-to-person funds transfer process may be divided into a funds transfer initiation process to receive the funds to be transferred and recipient information from a sender and... | 12/06/2011 |
| 8069114 | 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 targe... | 11/29/2011 |
| 8069113 | Financial account management An automated account management system provides a user with the ability to establish rules that dictate how the account management system is to manage the user's accounts. Once the user specifies a set of rules, the system automatically manages multiple accounts acr... | 11/29/2011 |
| 8065226 | Method and system for performing a cash transaction with a self-service financial transaction terminal A method and system for performing a cash transaction with a self-service financial transaction terminal makes use of computer hardware and software that allows a financial institution cardholder to authorize a recipient to withdraw a specified amount of cash at an ... | 11/22/2011 |
| 8065227 | Method and system for producing custom behavior scores for use in credit decisioning Method and system for producing custom behavior scores for use in credit decisioning. A custom credit score takes into account credit bureau attributes and relatively detailed transaction attributes as well as traditional masterfile information for a customer applyi... | 11/22/2011 |
| 8065228 | System and method for processing microtransactions The method and system of the invention provide a variety of techniques for processing a microtransaction, wherein the microtransaction is a low monetary amount. In accordance with the invention, the method starts with a customer initiating a purchase through interac... | 11/22/2011 |
| 8060429 | Prepaid short messaging A prepaid messaging solution which uses open networking standards (e.g., TCP/IP) and which supports pre-payment of enhanced Internet messaging services. The disclosed prepaid architectures and methods accurately determine if a subscriber has sufficient account balan... | 11/15/2011 |
| 8055582 | Multi currency exchanges between participants of a network-based transaction facility A method and apparatus for facilitating online payment transactions in multiple currencies between participants of a network-based transaction facility are described. In one embodiment, an exchange rate associated with a currency is stored in a database. The exchang... | 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 |
| 8051004 | Automated method and article of manufacture for fully insuring large deposits received from a plurality of custodians from their respective depositors An automated method is provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large deposits are received from a plurality of unaffiliated custodians from their respective depositor... | 11/01/2011 |
| 8051003 | Systems and methods of introducing and receiving information across a computer network One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchas... | 11/01/2011 |
| 8051005 | Automated method and article of manufacture for fully insuring large bank deposits via a network of banks with limits on amount of orders that a bank and/or customer can place with the network An automated method is provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large deposits are received from a plurality of unaffiliated banks from their respective depositors. Or... | 11/01/2011 |
| 8046299 | Systems, methods, and devices for selling transaction accounts Systems and methods are configured to facilitate the distribution of transaction accounts through distributors. An exemplary method includes the steps of: issuing a transaction account to a distributor, receiving information from the distributor via the MICR protoco... | 10/25/2011 |
| 8041633 | System and method of electronic data transaction processing A transaction process system (10) provides for data transactions between parties. In a credit card transaction, the parties are the merchant (20), acquiring bank (24), card association (34), issuing bank (14), and cardholder (12... | 10/18/2011 |
| 8041634 | Payment processing system debt conversion notification When a buyer's debt to a seller cannot be paid using an account issued to the buyer by an issuer within a payment processing system, then either or both the seller and the buyer are solicited to conduct future transactions payable on the account. If the debt can be ... | 10/18/2011 |
| 8041635 | Systems and methods for automated payment processing Apparatus and methods to process loss payments are described herein. In one example, an apparatus includes one or more data stores, a rules engine, an audit engine and a payment engine. In another example, the method may include receiving a notice of loss, deriving ... | 10/18/2011 |
| 8036986 | Automated method and article of manufacture for fully insuring large bank deposits via a network of banks wherein depositor's bank retains a portion of the large bank deposit and the network distributes the remainder An automated method is provided for processing large deposits that exceed an established deposit insurance limit so that the large deposits are fully insured. The large deposits are received by a plurality of unaffiliated banks from their depositors. For selected la... | 10/11/2011 |
