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| Number | Title | Issue Date |
| 7680732 | System and method for executing deposit transactions over the internet A system and method for initiating and processing banking deposits. In a preferred embodiment, the system is maintained by a financial institution such as a bank and the bank's customers access the system through the Internet. The system provides a Graphical User In... | 03/16/2010 |
| 7680730 | Downstream correspondent foreign exchange (FX) banking Systems and methods that enable real-time (or almost real-time) foreign exchange (FX) pricing via retail branch networks, wire room operations and cash management platforms are provided. Essentially, the systems and methods decouple the FX-infrastructure and enable ... | 03/16/2010 |
| 7680731 | System and method for executing deposit transactions over the internet A system and method for initiating and processing banking deposits. In a preferred embodiment, the system is maintained by a financial institution such as a bank and the bank's customers access the system through the Internet. The system provides a Graphical User In... | 03/16/2010 |
| 7676430 | System and method for installing a remote credit card authorization on a system with a TCPA complaint chipset The Trusted Computing Platform Alliance (TCPA) Specification is implemented to allow a credit card company to remotely install a credit card private key into a TCPA module to create a Trusted Platform Module (TPM). More specifically, when a credit worthy user applie... | 03/09/2010 |
| 7676433 | Secure, confidential authentication with private data Risk of personal identity theft, especially in connection with on-line commerce, is mitigated by maintaining private data in a secure database maintained by a trusted third party verification service. To authenticate the identity of a user or customer, in one embodi... | 03/09/2010 |
| 7676432 | Methods and apparatus for transacting electronic commerce using account hierarchy and locking of accounts Apparatus and methods are provided for facilitating electronic commerce in an environment in which a service provider handles business transactions between registered users and participating vendors and shipping companies, wherein users may establish and manage prim... | 03/09/2010 |
| 7676431 | Method and system for processing internet payments using the electronic funds transfer network Embodiments of the invention include a method and system for effectuating an electronic payment between a payor and a payee using an Electronic Funds Transfer (EFT) network. The method is implemented by a system having multiple processors. The payor may hold a payor... | 03/09/2010 |
| 7672902 | System and method for pre-funding interest for early termination of client account having funds in one or more aggregated accounts A method, program product and system for pre-funding interest in the process of managing a group of aggregated accounts, each aggregated account held in a different one of a plurality of deposit institutions, each of the aggregated accounts associated with at least ... | 03/02/2010 |
| 7672900 | Write input transaction apparatus and method A method and system for generating a completed payment document ready for signature in image form and enabling signature in image form, storing the image and providing a printed copy of the document including the signature. A write input device for showing the image... | 03/02/2010 |
| 7672901 | System and method for holdback procedure for after-hours transactions A method, program product and system for managing a group of aggregated accounts, each aggregated account held in a different one of a plurality of deposit institutions, each of the aggregated accounts associated with at least one financial entity and holding funds ... | 03/02/2010 |
| 7668778 | Charging system and charging method A user sends data for requesting a service provider to provide predetermined service and signature data created based upon the data to the service provider, the service provider calculates a fee based upon this data and requests a bank to collect the fee from the us... | 02/23/2010 |
| 7664698 | Simplified internet payment, security, & tax administration protocol (SIPSTAP) The Simplified Internet Payment, Security, & Tax Administration Protocol (SIPSTAP) is designed to simplify the payment procedure on the World Wide Web to enable uniform, easier, and secured access to buying and selling on the web. The invention overcomes the limitat... | 02/16/2010 |
| 7664697 | Personal electronic settling system and a terminal and control apparatus therefor According to the present invention provided is an accounting means that is superior in safety and usability. The accounting means comprises: payment means including a plurality of systems of communication means; charging means including a plurality of systems of com... | 02/16/2010 |
| 7664699 | Automatic generation of temporary credit card information Temporary credit card information is automatically obtained and input to online credit card purchases allowing users to protect their actual credit card information from interception while shopping online. ... | 02/16/2010 |
| 7660765 | 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... | 02/09/2010 |
| 7657483 | Money transfers for tax refunds Tax refunds are provided via a money transfer service. Merely by way of example, a taxpayer (or a tax preparer) might provide to the IRS an account number at a bank, as a target for a direct deposit refund related to a tax return. In an aspect, the account number mi... | 02/02/2010 |
| 7653594 | Targeted incentives based upon predicted behavior A system and method for anticipating consumer behavior and determining transaction incentives for influencing consumer behavior comprises a computer system and associated database for determining cross time correlations between transaction behavior, for applying the... | 01/26/2010 |
| 7653596 | System and method for dividing a remittance and distributing a portion of the funds to multiple investment products A known charge card billing system communicates with an investment broker system, wherein the investment broker system includes an instruction arrangement database, payment hierarchy and an investment account. An interested cardholder suitably appoints the charge ca... | 01/26/2010 |
| 7653595 | Controlled entertainment spending account A computer-based method for allocating parental funds in preestablished accounts for use by children, including the steps of: providing a bank or credit account containing parental funds for allocation to at least one child; ... | 01/26/2010 |
| 7644036 | Credit card supported electronic payments A payment service provider receives a request to pay a payee on behalf of a payor and determines, responsive to the received request, that the payee will not accept the requested payment via a charge to a credit card account of the payor with a credit card issuer. T... | 01/05/2010 |
| 7644035 | Method and apparatus for reducing fraudulent credit transactions by requiring merchant return of multi-digit authorization codes Processes for reducing fraudulent credit transactions, including financial (e.g., credit, charge, debit, etc.) card transactions, are introduced, in which merchants receive multi-digit authorization codes from a credit provider (e.g., a customer transaction account ... | 01/05/2010 |
| 7640210 | Financial information portal In a system for a financial institution or other information maintainer, has a list of its account holders that also have accounts with a portal and have agreed to link their portal account and user account with the financial institution or other information maintai... | 12/29/2009 |
| 7636688 | Electronic bill processing with multi-level bill information storage A method of electronically presenting billing information, includes receiving billing information associated with a plurality of different billers, different portions of which represent bills for different payors. Requests are received from respective payors for cur... | 12/22/2009 |
| 7634444 | Method and apparatus for applying/linking transactions in a financial management system A computer-implemented financial management system that includes a standardized apply system that, in general, allows a user to relatively easily apply any transaction/document to any other transaction/document. The apply system includes a uniform apply interface th... | 12/15/2009 |
| 7630936 | Order system payment routing Aspects of the subject matter described herein relate to processing payment requests. In aspects, a user of an online system is allowed to pay for goods or services using a combination or one or more payment types including credit card, cash card, gift certificate, ... | 12/08/2009 |
| 7630935 | 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... | 12/08/2009 |
| 7630937 | Method and system for processing a financial transaction A method for performing a financial transaction that includes identifying a plurality of payment options associated with a payer executing the financial transaction, wherein each of the plurality of payment options is linked to a financial account of the payer, obta... | 12/08/2009 |
| 7627526 | Third-party billing system and method A third-party billing system and method permits consumers to conduct e-commerce transactions (including microtransactions) securely and anonymously by providing billing and personal information to the third party billing system rather than to merchants. A consumer i... | 12/01/2009 |
| 7627524 | System, method, and computer program product for receiving and processing payments A system, method, and computer program product is provided that is capable of receiving and processing payments from a payor. In one embodiment, the system includes a processing element capable of identifying a payor account, the payor account being associated with ... | 12/01/2009 |
| 7627525 | Automated check cashing and loan processing ATM system and methodology Automated methods for processing a cash advance and/or a check cashing transaction using an ATM entail obtaining identification information for a user; producing an image of each side of an original check for the transaction; accessing a database of financial transa... | 12/01/2009 |
| 7627523 | Financial transaction processing system and method A financial transaction processing system (10) enables processing transactions from various types of card activated terminal devices (12) which communicate using a variety of electronic message formats. The transaction processing system may operate to ... | 12/01/2009 |
| 7627527 | System and method to provide a payment Various embodiments of the present disclosure are directed to systems and methods to provide a payment. The systems and methods provide techniques to provide customers one-click access to a plurality of websites and to enable customers to provide payments electronic... | 12/01/2009 |
| 7624069 | Method and system for selecting between or allocating among alternatives A method and system for selecting between or allocating among a plurality of alternatives is disclosed. The method for selecting between or allocating among the plurality of alternatives may include determining a risk tolerance for a user. A plurality of attributes ... | 11/24/2009 |
| 7624070 | Open payments target marketing system A system and method is provided by which banks implement an automated process to identify and analyze payment related information, and, more particularly, to such a system and method requiring an identification of incoming payments correspondent banks route through ... | 11/24/2009 |
| 7620600 | Systems and methods for multiple sessions during an on-line transaction The present invention generally relates to a system and a method for establishing a separate session during an on-line session. In one aspect, a method for establishing a session with a server during an on-line transaction session is provided. The method includes de... | 11/17/2009 |
| 7620599 | System and method for detecting fraudulent calls Systems and methods for evaluating transactions to determine if suspicious activities are possibly present. Various methods include providing a reference designator list with information associated with one or more suspicious activities. Using the reference designat... | 11/17/2009 |
| 7617151 | Alternative player tracking techniques Methods and apparatus are described for registering a player with a player tracking system on a gaming network. A player tracking account is created for the player using player information derived from an account card associated with the player. The account card cor... | 11/10/2009 |
| 7617152 | Bankcard transaction exchange system A novel bankcard transaction exchange system, which is also an exchange network and a settlement network of various bankcard transactions at the same time, comprising: a processing center, at least one backup center, and a plurality of member institutions connected ... | 11/10/2009 |
| 7613654 | Use of electronic devices for money transfer A system for dispensing funds. The system includes a non-dedicated printer adapted to print indicia of a monetary value, and a postal security device coupled to the franking machine. The postal security device includes an accounting register indicative of a value of... | 11/03/2009 |
| 7613655 | 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... | 11/03/2009 |