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| Number | Title | Issue Date |
| 8180808 | Spend data clustering engine with outlier detection Disclosed herein is a computer implemented method and system for grouping spend items in a list of said spend items, and for detecting outliers. The spend items entered into the spend database are phonetically sorted and grouped into second level clusters by the spe... | 05/15/2012 |
| 8140433 | Method for making secure transactions carried out with cards provided with an owner identification number The invention concerns a method for carrying out a transaction comprising prior steps of identifying the card by reading its number and authenticating the bearer optionally by writing in the secret code using a keyboard. The invention is characterized in that the se... | 03/20/2012 |
| 8103587 | Interactive bill payment center A software suite that provides a bill-payment module and comprises an interactive main interface listing bills due and payment accounts, an interactive history link, an interactive set-up link embedded in the main interface, an interactive transfer-funds link an int... | 01/24/2012 |
| 8090656 | Method and system for saving money with a group of mobile devices A plurality of users have a savings goal, and a plurality of mobile devices each belong to a user. An electronic message from a user's mobile device is received. The electronic message comprises a description of a service or product not purchased and the amount of m... | 01/03/2012 |
| 8041639 | Systems and methods to facilitate online transactions Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a data storage facility to store an account and a phone number associated with the account and an interchange coupled with the data storage... | 10/18/2011 |
| 7996312 | System and method for image based electronic check presentment A method and system for processing electronic check presentment (ECP) data and check image data, where the check image data is transmitted electronically, either with the ECP data or separately. The ECP data has associated ECP sequence numbers assigned in connection... | 08/09/2011 |
| 7991695 | Interactive financial card system uniquely suited for conducting financial transactions on the internet A system and method for conducting secured online financial transactions on the Internet provides an electronically readable e-commerce card issued by a financial institution, as well as an electronic card reading device that communicates with the card owner's compu... | 08/02/2011 |
| 7970704 | Wireless advisor support and data integration system In one general aspect, a financial advisor support method is disclosed that includes presenting on a wireless handheld device a list of accounts of different types held by a household entity at different institutions, receiving through the wireless handheld device a... | 06/28/2011 |
| 7949602 | Distributed image capture proof-of-deposit system and method of operating a distributed image capture proof-of-deposit system A method of operating a distributed image capture proof-of-deposit system having a central processing site and a number of branches connected via a network with the central processing site comprises the steps of (a) capturing images of items at a branch without use ... | 05/24/2011 |
| 7937325 | Interactive bill payment center A server on a data network including software for providing a bill payment service for a user comprising a bill-payment module for navigating to the user's multiple data sources on the data network collecting and aggregating data on behalf of the user comprising, a ... | 05/03/2011 |
| 7933834 | Interactive bill payment center A software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network is provided. A bill-payment module is provid... | 04/26/2011 |
| 7912785 | Video financial deposit A video of a negotiable instrument may be provided from a user to a financial institution so that an image of the negotiable instrument may be obtained from the video and deposited in a user's bank account. In an implementation, a user may use a device such as a vid... | 03/22/2011 |
| 7890424 | Enhanced demand deposit accounts A method for adjusting a demand deposit account. The method may comprise the step of structuring the demand deposit account with at least a first balance tier and a second balance tier. The methods may also comprise the steps of monitoring a balance of the demand de... | 02/15/2011 |
| 7860794 | Method for originating a bank deposit A method for originating a bank deposit with the use of a computer is suggested, which implies entering the deposit characteristics into a computer. Use of the method makes it possible to achieve a technical result in the form of increase of the effectiveness of the... | 12/28/2010 |
| 7856401 | Self-service terminal A self-service terminal for reading wireless tags incorporated into media items is described. The terminal comprises a media acceptor for receiving media items, such as banknotes incorporating an RFID tag, and a wireless tag reader for reading received media items i... | 12/21/2010 |
| 7856402 | Video financial deposit A video of a negotiable instrument may be provided from a user to a financial institution so that an image of the negotiable instrument may be obtained from the video and deposited in a user's bank account. In an implementation, a user may use a device such as a vid... | 12/21/2010 |
| 7853511 | 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... | 12/14/2010 |
| 7849010 | System and method for real time account and account number generation using origination APIS A system and method generate an account in real time in accordance with an application programming interface (API). The API contains parameter descriptions listing universal resource locator (URL) parameters associated with items. A format for implementing an http r... | 12/07/2010 |
| 7814016 | Personal teller system and method of remote interactive and personalized banking Systems and methods for providing personalized services to remote customers using personal teller machines (PTM) from a centralized call center. The customer initiates the transaction providing identification at a PTM. The identification of the customer is verified ... | 10/12/2010 |
| 7814017 | Simple on-line payments facility The invention provides a payment interface that is both simple and powerful: one that supports multiple users per customer, with proper roles and financial controls; that hides the details of the underlying payment system(s) and automatically routes payments to the ... | 10/12/2010 |
| 7797238 | Balance rewards account system and method A method for operating an account includes several steps. The account is provided for holding assets of a customer, the account having a variable value controlled by the customer. At least a portion of the assets are held in the account for a time period that includ... | 09/14/2010 |
| 7792752 | Video financial deposit A video of a negotiable instrument may be provided from a user to a financial institution so that an image of the negotiable instrument may be obtained from the video and deposited in a user's bank account. In an implementation, a user may use a device such as a vid... | 09/07/2010 |
| 7788175 | Internet-based check ordering system An Internet-based check ordering system includes an Internet-based server having a check order entry user interface, a bank transit number computer system in operable communication with the Internet-based server computer system, a client computer system in operable ... | 08/31/2010 |
| 7778923 | Method, system and apparatus for increasing the deposit-based assets of banking institutions subject to fractional-reserve banking A method for increasing the demand deposit asset base of a bank for fractional-reserve banking within the Federal Reserve System, with first and second demand deposit accounts captive at that bank, comprising: (a) receiving physical fractional currency at the bank a... | 08/17/2010 |
| 7729987 | Enhanced demand deposit accounts A method for adjusting a demand deposit account. The method may comprise the step of structuring the demand deposit account with at least a first balance tier and a second balance tier. The methods may also comprise the steps of monitoring a balance of the demand de... | 06/01/2010 |
| 7720762 | System and method for electronically processing commercial transactions based upon threshold amount The invention is a system and method for electronically processing electronic payment transactions. The invention provides a system and method for processing electronic payment transactions based upon a threshold amount. The system and method determine whether a mon... | 05/18/2010 |
| 7720761 | Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts A method and system is disclosed for enabling the accurate determination of price points (APRs), credit limits, and other discretionary levels for each cardholder that maximize Net Present Value (NPV) for the portfolio, given constraints on quantities such as risk o... | 05/18/2010 |
| 7716132 | Mechanism for express enrollment of a user with an online bill payment service A system, method, and a computer program product that enrolls a user with a bill payment service without requiring a user to provide account information. ... | 05/11/2010 |
| 7707112 | Periodical payment system, control method thereof, service provider of that payroll and control method thereof Disclosed are a periodic payment system for service use fees and a control method thereof, and a service provider of the payment system and a control method thereof. The periodic payment system receiving information on credit of a subscriber from a payment informati... | 04/27/2010 |
| 7693793 | Management of intra-day interest calculations for bank accounts Embodiments of the present invention relate to a computer-implemented method and system for managing intra-day interest calculation on a bank account. The embodiments provide for control of and support for interest calculations that, instead of being based on daily ... | 04/06/2010 |
| 7617156 | Method for minimizing overdraft charge-off A method for minimizing overdraft charge-off in a bank account includes: (a) identifying a plurality of factors that can result in a bank account charge-off; (b) building a case history database of bank account hol... | 11/10/2009 |
| 7580890 | System and method for supervising account management operations A technique for tracking and managing account movement using a delinquency movement matrix is described. Customer Service Representatives or other agents may receive a promise for a payment amount for an account, after which the invention may record the baseline del... | 08/25/2009 |
| 7577611 | Method and system for thin client based image and transaction management Provided is a system for coordinating collection and processing of digital data by a plurality of deposit modules with respect to a plurality of users over a communications network, the digital data based on a plurality of original paper deposits and including at le... | 08/18/2009 |
| 7475040 | Return item early notification and return A method, and system for processing electronic return items, the method comprising: receiving directly or indirectly from a plurality of different payor banks a plurality of different electronic return notification files, each electronic return notification file in ... | 01/06/2009 |
| 7464057 | Method and system for multi-currency escrow service for web-based transactions A method and system for escrow service for web-based transactions is web-accessible and accepts registrations from exchanges and/or portal partners. The completion of registration and transactions is allowed to entitled users who access the system via the web. The s... | 12/09/2008 |
| 7444672 | System and method for single sign on process for websites with multiple applications and services A system and method for integrating the Internet front end-sign on processes of the various systems of a financial institution which allows a customer to view and access its various financial accounts with the institution. During the initial sign up for the o... | 10/28/2008 |
| 7440924 | Method and system for processing financial instrument deposits physically remote from a financial institution A system that includes computer hardware, computer software, apparatus, and methodology that enables individuals, businesses, and all types of organizations (both for profit and non-profit) to capture and securely transmit check images (including, but not limited to... | 10/21/2008 |
| 7434225 | Context information associated with message flows in a messaging system Method, parser, messaging system, computer program and computer program product for handling context information associated with a message flow in a messaging system, the message flow having processing nodes for processing the message. A request is received at the p... | 10/07/2008 |
| 7430537 | System and method for verifying a financial instrument A system and method for verifying a financial instrument or a user's authorization to use a financial instrument. The system initiates one or more verifying transactions involving the instrument, with details that may vary from one transaction to another, such as th... | 09/30/2008 |
| 7419088 | Banknote serial number processing method and its device Banknote serial number processing method and apparatus having a serial number recording step where images of serial numbers associated with to-be-newly recorded banknotes are subjected to image recognition. Image recognition is followed by a conversion step involvin... | 09/02/2008 |
