Did You Know...
...that to encourage use of his new invention, the shopping cart, market owner Sylvan Goldman hired fake shoppers to push the carts around his store in Oklahoma City? Seems his customers were reluctant to give up their hand-carried baskets.
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| Number | Title | Issue Date |
| 7398918 | Systems and method for risk triggering values The invention includes systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) stored within a distributed (e.g., local and/or regional) processing site. An RTV is a condensed version of ... | 07/15/2008 |
| 7401049 | System and method for a prepaid card issued by a foreign financial institution A system and method for providing a reloadable prepaid card account maintained by a foreign financial institution is provided. The foreign financial institution is provided with a domestic payment network authorization code, such as the bank identification number ap... | 07/15/2008 |
| 7398249 | ACH debit blocking method and system The invention provides a method and system for blocking fraudulent or incorrect Automated Clearing House (ACH) debits. In an embodiment of the invention, the number of fraudulent and incorrect ACH debits is significantly reduced by examining an ACH debit entry and d... | 07/08/2008 |
| 7398250 | Method and system for restricting the usage of payment accounts A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be sp... | 07/08/2008 |
| 7395958 | Conducting monetary transactions with minimal coin transfer When a monetary transaction is made between a merchant and a customer, some or all of the change owed to the customer will be transferred to a data storage card carried by the customer. Instead of receiving the change in the form of coins, the customer instead would... | 07/08/2008 |
| 7398236 | Method and medium for budgeting A method and system for budgeting is provided that includes determining a funds total from at least an income amount. The method further provides for budgeting, comprising creating a worksheet including an arrangement of a funds total, an expenditure, a maximizable ... | 07/08/2008 |
| 7398246 | Method and system for managing a mortgage rebate transaction card account A method and system of managing a mortgage rebate transaction card account in which a transaction card provider computes a mortgage rebate amount based on the amount of charges incurred against the account and periodically arranges for application of the mortgage re... | 07/08/2008 |
| 7398247 | Secure tax meter and certified service provider center for collecting sales and/or use taxes on sales that are made via the internet and/or catalog A system and method that enables sellers to control all aspects of their sales transaction and customer data, while still providing taxing jurisdictions with the assurance that sales and use taxes are properly being accounted for and calculated This is accomplished ... | 07/08/2008 |
| 7398248 | System and method for using cards for sponsored programs A method, system, and computer program product for implementing a marketing application using a store card as a Reward Card, Rebate Card, Pre-paid Script Program Card, Incentive Card, and/or Gift Card, as well as a Frequent Shopper Card. A card provided in associati... | 07/08/2008 |
| 7395240 | Financial product and collaborative system and method for providing and monitoring a financial product A method and a Financial Product providing for Banks and other large Finance Companies (Intermediaries) to market and fund the Financial Product to its Customers (Customers) and potential Customers, whereby the entire Financial Product processes are administered by ... | 07/01/2008 |
| 7395241 | Consumer-directed financial transfers using automated clearinghouse networks Consumer directed transfers of funds over the Internet are provided by a combination of systems and networks, including the Internet, email, and the Automated Clearinghouse system (ACH). A host system provided by a funds transfer service manages requests of senders ... | 07/01/2008 |
| 7392935 | Method and apparatus for accepting check deposits via the internet using browser-based technology A browser plug-in to drive a device for securely transmitting documents in real-time over the Internet into an enterprise's computing environment is provided. Leveraging the Check Clearing for the 21st Century Act, a system and method for providing a browser plug-in... | 07/01/2008 |
| 7395239 | System and method for automatically processing loan applications A system and method for processing applications for loans secured by real estate, wherein an applicant is prompted for one or more parameters of a requested loan and for data regarding the applicant, data regarding the applicant's credit is accessed based on data pr... | 07/01/2008 |
| 7395242 | Method and system for restricting the usage of payment accounts A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which merchants the funds can be sp... | 07/01/2008 |
| 7395243 | Technique for presenting matched billers to a consumer A technique for identifying a consumer's electronic billers in which the consumer does not identify billers is provided. The consumer transmits, from a consumer station, a request for a service provider to identify his or her electronic billers. This request include... | 07/01/2008 |
| 7392222 | System and method for providing promotional pricing A system and method for providing promotional pricing is disclosed. One or more pricing offers may be provided to a plurality of credit accounts, wherein the pricing offers may be directed to transactions associated with particular products and/or merchants. It may ... | 06/24/2008 |
| 7392210 | Workflow management system and method A computerized workflow management method and system to provide operational support for complex multi-step processes is disclosed. The method of workflow management involves creating an underlying database structure for recording the processing steps and other infor... | 06/24/2008 |
| 7392223 | Electronic billing with updateable electronic bill summary An electronic bill payment network includes a plurality of user network stations associated with different users, a plurality of biller network stations associated with different billers, and a central network station. A first user station operates, in real time, to... | 06/24/2008 |
| 7389268 | Trading tools for electronic trading Tools for trading and monitoring a commodity on an electronic exchange using a graphical user interface and a user input device. The tools will aid the trader in determining the status, trends in the market, and the trader's position in the market. Included is a sys... | 06/17/2008 |
| 7389266 | Systems and methods for managing credit account products with adjustable credit limits Systems and methods consistent with the present invention manage a credit card having an adjustable credit limit. The system determines whether the credit limit is likely to be reached by possible transactions made by the customer when using the account. The system ... | 06/17/2008 |
| 7389259 | On-line interactive system and method for transacting business The present invention includes a method for transacting business over a network between multiple buyers and sellers. In an exemplary embodiment, the invention operates within an improved extranet system which is a secure, limited access network which operates within... | 06/17/2008 |
| 7389267 | Electronic verification system and method A computer based system, method, and computer program product for performing verification between two parties. The system generates buyer and seller sample data from data stored on buyer and seller systems based on a determined transaction time and the account numbe... | 06/17/2008 |
| 7386506 | Fraud score calculating program, method of calculating fraud score, and fraud score calculating system for credit cards A fraud score calculating program primarily for use in determining the possibility of credit card fraud can calculate a score reflecting the reliability of a model created based on Bayesian theory. Various factors are extracted from authorization data, and cases are... | 06/10/2008 |
| 7386502 | Method, software program, and system for structuring risk in a financial transaction A method of structuring a financial transaction, including allocating to a transaction pool n credits, each of the credits having an obligation to make specified payments and each of the credits being in a non-default state when a respective obligation is met and be... | 06/10/2008 |
| 7386508 | Method and apparatus for facilitating a transaction between a buyer and one seller A seller server receives an offer which specifies a type of product (e.g. a seat on a flight), at least one condition (e.g. destination and date of departure), and an offer price specified by a buyer. The seller server also receives an associated payment identifier ... | 06/10/2008 |
| 7386509 | Apparatus and methods for correlating magnetic indicia data with database records The present invention is related to methods and apparatus for locating information related to a check drafter. In one embodiment, a communication is received indicating that a first check drafted by a drafter failed to clear. The communication includes an identifier... | 06/10/2008 |
| 7386520 | Cost-based method for dynamically pricing and prioritizing an e-mail Method for dynamically allocating a cost to an e-mail that a first user of a transmission network such as the Internet network or an Intranet network who is a member of a group, wants to forward to a second user of the transmission network who is also a member of th... | 06/10/2008 |
| 7386494 | Method and apparatus for receiving a subscription for a security A method and apparatus provides on a home page of a web site information about a mutual fund subscription and a link which may be followed to a web page which may be used to subscribe to the fund online. ... | 06/10/2008 |
| 7386499 | Stock trading limit order coupled link (Lock) This invention has the potential to generate very good return on investments from stocks that are conservative in movement. This invention will greatly benefit investors that do not have the time to constantly trade stock yet want to take advantage of normal price f... | 06/10/2008 |
| 7383252 | Advanced search algorithm with integrated business intelligence The present invention is a business intelligence within an adaptive searching system. The searching system uses a business intelligence engine for communicating with a corporate database associated with a business enterprise and a consumer. The business intelligence... | 06/03/2008 |
| 7383225 | Module for the interconnectivity of independent software applications The present invention discloses an interconnectivity program module that provides for interconnectivity and interfacing of independent application programs in the context of a data processing system. Specifically, the interconnectivity program module provides a time... | 06/03/2008 |
| 7383224 | Systems and methods for processing credit card transactions that exceed a credit limit A method, system, and computer are disclosed for managing a financial transaction associated with a financial account, wherein the transaction would cause an outstanding balance of the financial account to exceed a credit limit. The method comprises determining a me... | 06/03/2008 |
| 7383223 | Method and apparatus for managing multiple accounts A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a co... | 06/03/2008 |
| 7383213 | Apparatus and method for maintaining a children's automated bank account An electronic terminal includes an input device for receiving input from a user. The electronic terminal also includes a processing unit electrically coupled to the input device. Yet further, the electronic terminal includes a memory device electrically coupled to t... | 06/03/2008 |
| 7379972 | System and method for granting deposit-contingent e-mailing rights An Email guarantee deposit method, system, and program product, with the method comprising in one embodiment, the steps of: receiving from a sender a request to send to a recipient an Email; receiving a deposit or an authorization to obtain a deposit of something of... | 05/27/2008 |
| 7379916 | System and method for private secure financial transactions A clocked authentication, authorization and accounting (CAAA) system and method offers private and secure credit/debit card online and offline financial transactions (FT) including an embedded privacy and security layer (EPSL) architecture. EPSL includes an authenti... | 05/27/2008 |
| 7379914 | Data output control apparatus The object is to provide a data output control apparatus which allows detailed information on a network to be readily obtained, which is advantageous with respect to cost, and which is suitable for specifically notifying the user of the service charge. A data... | 05/27/2008 |
| 7379913 | Anonymous transaction system An Anonymous Transaction Service (ATS) solves or alleviates the problems outlined above. The ATS provides anonymous, automated, risk-based differential pricing that allows consumers to receive offers from multiple suppliers with only a single credit report. The ATS ... | 05/27/2008 |
| 7379901 | Accessing a vendor web site using personal account information retrieved from a credit card company web site A method of accessing a vendor web site (3422) over a global communication packet-switched network (306) using personal account information of a credit card (3400) retrieved from a credit card company server (3300) on the network (306 | 05/27/2008 |
| 7377427 | Method, apparatus and POS system for processing credit card transactions associated with POS sales A method apparatus and POS system for processing credit card transactions associated with POS sales to inhibit illegal credit card use. The method involves reading magnetic stripe information including the credit card number from the magnetic stripe on a credit card... | 05/27/2008 |
