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| Number | Title | Issue Date |
| 7949601 | Method and system for providing minimum contract values in an annuity with lifetime benefit payments A data processing method administers a deferred annuity contract during the accumulation phase for a relevant life. The annuity contract has a contract value, a guarantee of lifetime benefit payments and a minimum contract value. Administration of the contract deter... | 05/24/2011 |
| 7945512 | Spending and savings secondary linked accounts Embodiments describe a method and a system to link a secondary account to a primary account with an account management module associated with the primary account and to control access to funds in the secondary account with respect to a secondary account holder throu... | 05/17/2011 |
| 7945513 | Method and system for providing minimum contract values in an annuity with lifetime benefit payments A data processing method determines a contract value of a deferred annuity product during the accumulation phase. The method includes receiving by a computer a request for a withdrawal during the accumulation phase, the amount of the withdrawal being no more than a ... | 05/17/2011 |
| 7945511 | Methods and systems for identity authentication The Greenlist tool provides payors desiring to pay a merchant a means to locate, validate and effect the transfer of assets to another party by routing transaction requests to a third party that functions as the transaction enabler. This task is performed without di... | 05/17/2011 |
| 7941373 | System for electronic transaction settlement An electronic communication system associated with a settlement house for settling an electronic transaction between a customer and a merchant. The communication system is configured to receive through a first electronic communication path a first account identifier... | 05/10/2011 |
| 7941370 | Systems and methods for funding payback requests for financial transactions Various embodiments of the invention provide a more secure financial transaction system for e-commerce sectors that (1) more securely processes payment transactions, (2) helps to protect merchants and banks against fraudulent transactions, money laundering, and unde... | 05/10/2011 |
| 7941371 | System and method for an automated depository account pledged as security Embodiments of a system and method for administering a deposit account are disclosed. In an embodiment, a secured party may directly access a deposit account electronically and withdraw funds that are pledged to secure an obligation under the terms of a deposit acco... | 05/10/2011 |
| 7941368 | System and method for electronic transaction settlement A method for electronic transaction settlement includes a customer providing an account identifier and contact information to a merchant, the merchant contacting a settlement house and transmitting the account identifier and a transaction amount, the settlement hous... | 05/10/2011 |
| 7941372 | Systems and methods for receiving 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... | 05/10/2011 |
| 7941369 | Method of assisting a business in acquiring merchant services A method of assisting a business in acquiring merchant services includes the following steps: gathering the information of the business; comparing the gathered information to a repopulated rate grid from merchant acquirers; and providing the business with at least o... | 05/10/2011 |
| 7937320 | Managed purchasing account for defined commodities A purchase account may be managed to control purchases made using the account. An account number may be provided at a point of sale. The account number is associated with or includes an identifier for a class or type of goods or services. A merchant computer may rec... | 05/03/2011 |
| 7937322 | Method and system for transferring money in business-to-business internet transactions A method for enabling two businesses to complete a transaction that includes payment from one business (the buyer) to another business (the seller). A payment enabler operates the money transfer service over a computer network of nodes, such as the Internet. Typical... | 05/03/2011 |
| 7937321 | Managed service for detection of anomalous transactions A managed service for the detection of fraud and/or anomalous transactions is disclosed. In one implementation, the managed service receives data from customers over a wide area network, the data for each customer relating to information that the customer would like... | 05/03/2011 |
| 7933878 | Assessing and managing operational risk in organizational operations Methods and systems for automated assessment of the operational risk for an organization based on sampling the operations of the organization. These approaches can be used for automated comparison of the operational risk of two or more organizational operations.... | 04/26/2011 |
| 7930246 | Method and system for transferring stored value A method and system are provided for transferring value from a value provider. A request initiated by a value owner to transfer value from the value provider to a recipient is received. An exchange provider receives the value in accordance with the request. The exch... | 04/19/2011 |
| 7930247 | Payment service to efficiently enable electronic payment A method to redirect a browser client is disclosed. The method comprises storing information at a payment service web site that includes a return URL (uniform resource locator) corresponding to a web-based interface hosted by a merchant web site. Next, the method co... | 04/19/2011 |
| 7925585 | Systems and methods for facilitating transactions with different account issuers 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... | 04/12/2011 |
| 7925584 | Construction payment management system and method with document tracking features A system and method of managing a construction payment process involving a plurality of participants associated with the construction project and at least one document to be transferred between at least two participants of the plurality participants during the cours... | 04/12/2011 |
| 7921057 | Automated method and article of manufacture for fully insuring large bank deposits wherein bank that processes a large deposit sends out and receives back an equal amount of large deposits via a network of banks An automated method and article of manufacture are 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 banks from their depositors, ... | 04/05/2011 |
| 7917433 | Automated process for fully insuring large bank deposits that provides compensating payments between banks that offer different deposit terms An automated method and computer program product are provided for processing a large deposit that exceeds an established deposit insurance limit so that the large deposit is fully insured. The large deposit is received from a depositor by a first one of a plurality ... | 03/29/2011 |
| 7917432 | Dual card A dual card, which facilitates payment for goods or services from either a credit account or a stored value account, operates on both an open network and a closed network. The dual card is a payment card that integrates the ability to provide credit privileges and s... | 03/29/2011 |
| 7912784 | Methods and systems for processing, accounting, and administration of stored value cards Methods are described for accounting, administration and processing of transactions utilizing a stored value card utilizing an EFT service gateway and providing balances for the cards across a plurality of point of sale devices. One method includes receiving a messa... | 03/22/2011 |
| 7908212 | Transaction settlement using value exchange systems and methods A method of settling a purchase transaction includes establishing an account on behalf of a customer. The account relates to a quantity of service and establishing the account includes establishing an exchange ratio that equates the quantity of service to a measure ... | 03/15/2011 |
| 7908213 | System and method for improving electronic trading A system and method is described herein for an exchange to act based on a market event on behalf of a trader. According to one aspect, a first electronic market can send orders to and/or manage orders at a second electronic market based on an internal and/or externa... | 03/15/2011 |
| 7908214 | Systems and methods for adjusting loan amounts to facilitate transactions 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... | 03/15/2011 |
| 7908211 | Environment customization based on location A user's location is automatically transmitted to a network, and the network automatically customizes one or more environments, such as by customizing communication devices, other types of devices, or the like, based on the detected location and on profile informati... | 03/15/2011 |
| 7904384 | System and method for providing extra lines of credit A system and method for upgrading existing credit cards with additional lines of credit is disclosed. Credit information associated with customers holding credit cards issued by a credit card issuer are analyzed to determine a level of risk associated with each cust... | 03/08/2011 |
| 7904385 | Systems and methods for facilitating budgeting transactions 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... | 03/08/2011 |
| 7899745 | Automated method and article of manufacture for fully insuring large bank deposits via a network of banks wherein banks pay a fee to a processor that facilitates the network of banks 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. Th... | 03/01/2011 |
| 7899743 | Method for fully insuring large bank deposits using a plurality of banks that receive portions of each large deposit An Interbank Deposit Placement System (IDPS) that allows banks participating in the service to offer their customers multiple deposits so that potential deposit (fund) amounts exceeding an applicable Federal deposit insurance limit (e.g., $100,000) are fully insured... | 03/01/2011 |
| 7899742 | System and method for facilitating a subsidiary card account The present invention provides a system and method for providing a flexible limit subsidiary account that may be issued by a Foreign Financial Institution. In particular, the present provides a system and method for allowing a parent to provide funds to a subsidiary... | 03/01/2011 |
| 7899746 | Automated method and article of manufacture for fully insuring large bank deposits using a network of banks and a lending bank for providing funds that the network of banks cannot handle An automated method and article of manufacture are 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 banks from their depositors. ... | 03/01/2011 |
| 7899744 | Systems and methods for approval of an allocation 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... | 03/01/2011 |
| 7899747 | Automated method and article of manufacture for fully insuring large bank deposits via a network of banks using an order matching process to simultaneously process multiple orders from bank customers received at different banks 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 banks from their respective depositors. A processor rec... | 03/01/2011 |
| 7895119 | Method and system for pushing credit payments as buyer initiated transactions A method and system are disclosed for pushing credit payments as buyer initiated transactions. The buyer communicates payment instructions to initiate payment of accounts payable items so that the existing credit card infrastructure can be used to make payments to m... | 02/22/2011 |
| 7895121 | Method and system for tracking conversions in a system for targeted data delivery A system and method for tracking conversions. Specifically, the method includes collecting user information about a user and generating a user profile based on the user information. The user profile is stored such that the user profile is used to achieve delivery of... | 02/22/2011 |
| 7895120 | 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. The present invention includes a first aspect directed to a merchant card authorization terminal and a second aspe... | 02/22/2011 |
| 7890421 | System and method for administering multiple lines of credit Ways are provided to allow a credit card issuing financial institution and the card member to customize a credit card account by defining an unlimited number of special-purpose lines of credit, while maintaining the overall risk at or below the overall line of credi... | 02/15/2011 |
| 7890422 | Multiple account advanced payment card and method of routing card transactions A system of accessing through a financial processing network multiple accounts associated with a single financial card. Data is input to the financial network in addition to transaction data and account identification data that is read from the card. This additional... | 02/15/2011 |
| 7882028 | Systems and methods for credit card fee calculation In some embodiments, a calculation system may be used by a merchant to determine a merchant fee associated with a credit card transaction. The calculation system may consider various characteristics for the transaction to determine merchant fees associated with the ... | 02/01/2011 |
