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| Number | Title | Issue Date |
| 7606761 | Data output control apparatus The invention provides 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 output c... | 10/20/2009 |
| 7603311 | Process and device for conducting electronic transactions A process and a device for conducting electronic transactions provides a more effective and efficient way to make a payment over the Internet. This process and device could be used to pay, for example, a Police Administration Ticket or Police Administration Citation... | 10/13/2009 |
| 7603312 | Altering card-issuer interchange categories This document describes tools capable of determining ways in which to alter interchange categories assigned to credit-card transactions and the accompanying potential fee savings. In some embodiments, the tools receive parameters for interchange categories and trans... | 10/13/2009 |
| 7599885 | Many-to-many correspondence: methods and systems for replacing interbank funds transfers By establishing a correspondence account in each Financial Service Provider (FSP) of a group of FSPs and a secure inter-FSP messaging mechanism, transfers of funds entirely within member FSPs (FSP 1, FSP 2, FSP 3, FSP 4) may be combined w... | 10/06/2009 |
| 7599884 | Programmable joint payment guarantee financial instrument set A number of implementations of a transaction settlement process are illustrated. A system verifies buyer, seller, and financial institution data and instructions. The system stores buyer credit information, and the joint transaction instructions of buyers, sellers, ... | 10/06/2009 |
| 7599886 | System and method for allocating mortgage repayment funds A system and method for computing mortgage amortization so as to allow the borrower to pay down the principal portion of his or her mortgage faster includes calculating traditional and modified principal and interest repayment amounts and calculating a baseline or a... | 10/06/2009 |
| 7596529 | Buttons for person to person payments A process for facilitating payment between a buyer and a seller with an online money transfer performed over a wide area network is disclosed. In one step, login information relevant to a vending site is received. The login information is associated with the seller.... | 09/29/2009 |
| 7593896 | Credit card system and method A credit card system is provided which has the added feature of providing additional limited-use credit card numbers and/or cards. These numbers and/or cards can be used for a single transaction, thereby reducing the potential for fraudulent reuse of these numbers a... | 09/22/2009 |
| 7593897 | Wireless system for communicating cashless vending transaction data and vending machine audit data to remote locations The present invention relates to a system that is scalable and configurable to include vending equipment audit capabilities, a card reader assembly having a card reader processor interface board for accepting card identification data as payment for items vended, an ... | 09/22/2009 |
| 7587362 | Data processing system for managing and processing foreign exchange transactions Data processing systems for international commerce, and in particular relates to cross border transactions in which a foreign exchange transaction is required to settle payment for goods or services. The invention finds particular application in relation to large nu... | 09/08/2009 |
| 7580886 | Managing foreign payments in an international ACH Managing foreign payments in an International ACH. An originating depository financial institution (“ODFI”) can create an ACH item designating a fixed amount of foreign currency to be credited to, or a fixed amount of domestic currency to be debited from, a rece... | 08/25/2009 |
| 7580885 | Electronic money settlement method using mobile communication terminal A settlement system includes a mobile communication terminal, an input device, and a settlement device. The input device transmits data of a charge to the mobile communication terminal and transmits the data of the charge to the settlement device. The settlement dev... | 08/25/2009 |
| 7577609 | Method and apparatus using digital credentials and other electronic certificates for electronic transactions A method for performing electronic transactions, comprising receiving a long-term certificate, authenticating a user associated with the long-term certificate, and then sending a short-term certificate to the authenticated user. In addition, risk associated with the... | 08/18/2009 |
| 7574403 | Patronage incentive saving system and method for retail businesses A method of doing business in a retail environment employs a patronage incentive system incorporating a rounding up saving software program which provides a customer making a purchase at a point-of-sale terminal of participating retailers with an option to round up ... | 08/11/2009 |
| 7567937 | System and method for automatically effecting payment for a user of an electronic auction system The invention provides a computerized electronic auction payment system and method for effecting a real-time payment for an item won in an electronic auction by setting up and maintaining electronic auction payment accounts for prospective bidders and sellers. In on... | 07/28/2009 |
| 7567938 | Method for reimbursing administrators of payments A loss ledger system to process third party fund requests on a daily basis, track historical requests, process validation on each request, maintain suspense/escrow and loss ledgers, and provide reconciliation assistance for accounting and claims processing departmen... | 07/28/2009 |
| 7555460 | Payment system and method using tokens A method for collecting payment over a distributed digital computerized communication environment by a third party for services using digital tokens issued by a third party. The services may be provided by the third party or another party. The tokens are acquired by... | 06/30/2009 |
| 7552089 | Method and apparatus for automatically 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... | 06/23/2009 |
| 7552087 | Electronic transaction receipt system and method In connection with a sales transaction, an electronic receipt is issued to the buyer that includes hyperlinks. A hyperlink can be associated with post-sale interaction with the product seller, the product manufacturer or parties acting on their behalf that involves ... | 06/23/2009 |
| 7552088 | Personally customizable credit card accounts Account holders may specify vendor-specific charge restrictions for charging transactions against their accounts, where each vendor-specific charge restriction includes a unique identifier for the corresponding vendor to which the charge restriction is applicable. W... | 06/23/2009 |
| 7542942 | System and method for securing sensitive information during completion of a transaction A system and method for securing a Radio Frequency (RF) transaction using a proxy code, which is permanently assigned to the RF identification device (RFID) transaction account number. An account issuer permanently assigns the proxy code to a transaction account cor... | 06/02/2009 |
| 7536349 | Method and apparatus for processing a charge applied to a financial account A billing server receives charge data from a card authorization terminal. The charge data indicates a transaction amount, such as a purchase price, and a first financial account, such as a credit card account. The billing server determines a second financial account... | 05/19/2009 |
| 7536350 | Systems and methods for providing enhanced account management services for multiple banks This invention includes methods for delivering account management services to multiple financial institutions that provide for customer deposit accounts without transaction but than nevertheless offer interest and receive enhanced deposit insurance. The methods appl... | 05/19/2009 |
| 7529710 | Monitoring transactions by non-account holder Monitoring a non-account holder seeking to perform a transaction with a financial institution includes receiving first transaction information including an identity of a non-account holder and a disposition of a first transaction between a first financial institutio... | 05/05/2009 |
| 7526447 | Method and apparatus for facilitating monetary and reward transactions and accounting in a gaming environment One or more methods and apparatus for facilitating financial and player tracking/reward transactions. In one embodiment, a system includes at least one server and a plurality of gaming machines and/or a game generator for transmitting game information to a remote ga... | 04/28/2009 |
| 7523067 | Electronic settlement system, settlement apparatus, and terminal A simple, easy, and safe electronic settlement system is provided. A user terminal such as a cellular phone is wirelessly connected to a synchronizing server at a counter of a retailer. A cashier terminal of the retailer connects to the synchronizing server via a pr... | 04/21/2009 |
| 7516100 | 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... | 04/07/2009 |
| 7512563 | System and method to automate payment for a commerce transaction The invention provides a computerized electronic auction payment system and method for effecting a real-time payment for an item won in an electronic auction by setting up and maintaining electronic auction payment accounts for prospective bidders and sellers. The p... | 03/31/2009 |
| 7509287 | Bank account automatic adjustment system The present system for automatically adjusting deposit balance is the effective measure for pay-off which calculates the excess amount by subtracting from the balance of the account established in one financial institution, the specified balance for the account and ... | 03/24/2009 |
| 7509286 | Systems and methods for money fund banking with flexible interest allocation This invention provides system and methods for managing accounts of clients at customer financial entities so that deposits of up to $100,000 or greater are insured, so that interest income earned on a portion of all of the account balances may be flexibly allocated... | 03/24/2009 |
| 7502758 | Creation and distribution of excess funds, deposits, and payments Accumulating credits from financial movements to and from accounts held by a financial transactor and managed by an account manager involves initiating a roundup by periodically accessing entries in the account with an information processor to round up entries in th... | 03/10/2009 |
| 7499886 | Conducting commerce between individuals with integrated shipping Receiving payment includes the establishment, at a first server, a transaction record including information identifying a payment amount, a first account to be credited by the payment amount, and a second account to be debited by a debit amount. A financial authoriz... | 03/03/2009 |
| 7493283 | Performing an e-commerce transaction from credit card account information retrieved from a credit card company web site A method of conducting an e-commerce transaction on a global communication network (306) by using personal account information of a credit card retrieved from a credit card company server on the network (306). At a user location disposed on the network... | 02/17/2009 |
| 7493284 | Using visual images transferred from wireless computing device display screens Within a wireless computing device, a method of conducting commerce can include receiving a user input in the wireless computing device specifying an account to which a proposed transaction is to be billed and identifying contact information for a billing entity acc... | 02/17/2009 |
| 7490062 | Method of payment by means of an electronic communication device A method, system and program for payment in a purchasing action performed by means of a cellular standard communication between a customer using said cellular standard communication device and a provider offering goods and/or services, wherein the communication betw... | 02/10/2009 |
| 7487126 | Computer network method for conducting payment over a network by debiting and crediting utilities accounts A computer network method for conducting payment over a network by crediting and debiting utility accounts. The computer network includes a computer connected to the Internet, which performs the following functions: (1) receiving a payment request from a prospective... | 02/03/2009 |
| 7483856 | System and method for effecting payment for an electronic auction commerce transaction The invention provides a computerized electronic auction payment system and method for effecting a real-time payment for an item won in an electronic auction by setting up and maintaining electronic auction payment accounts for prospective bidders and sellers. The p... | 01/27/2009 |
| 7483858 | Network-based system A transaction settlement system and method for internet and other trading over a telecommunications network. Customer computers and merchant computers are connected to customer account servers and merchant account servers respectively, the former maintains a custome... | 01/27/2009 |
| 7483857 | Online e-commerce transactions incorporating effects of uncertainty and risk factors The present invention relates to a method, system and computer program product for online negotiations and transactions for electronic commerce spanning international boundaries and includes means for incorporating the effects of the associated uncertainties and ris... | 01/27/2009 |
| 7480634 | Method and system for saving and investing through use of a money management card and pooled investment accounts A money management card adapted to provide a method of saving and investing for a user of the money management card. The money management card is associated with an investment account which allows money to be pooled for the purpose of investing. The investment accou... | 01/20/2009 |
