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| Number | Title | Issue Date |
| 8190526 | Using payment mode rankings responsive to item attributes A method and system are described for using payment mode rankings responsive to item attributes. For example, in at least some embodiments, a method includes obtaining, with a processing device, at least a first mode ranking and a second mode ranking responsive to o... | 05/29/2012 |
| 8190527 | Card-less financial transaction Systems (and corresponding methodologies) that facilitate card-less financial transactions are provided. The innovation enables card-less ATM (automated teller machine) transactions such as cash withdrawals, transfers, balance inquiries, etc. In aspects, customers c... | 05/29/2012 |
| 8180687 | Method for selectively verifying or blocking remote purchase requests A method for partially verifying the legitimacy of a remote purchase request based on a card number from a card issuing financial institution. The method includes receiving and storing a first purchase request information set including an origin and a card number. F... | 05/15/2012 |
| 8175975 | IMS device operable for financial transaction authorization and ID cards display IMS networks and methods are disclosed for authorizing financial transactions. Credit card information, debit card information, and other purchasing data may be consolidated into an IMS device for conducting financial transactions, such as the purchasing of items fr... | 05/08/2012 |
| 8170954 | Secure and efficient payment processing system with account holder defined transaction limitations A method for carrying out commercial transactions includes establishing a transaction processing system on an electronic communications network, and establishing an account within the transaction processing system for a corresponding account holder. One or more desc... | 05/01/2012 |
| 8165962 | System and method for financial instrument pre-qualification and offering The invention is related to a system and method for offering a financial instrument to a pre-qualified consumer. Potential consumers are pre-qualified for a variety of financial instruments, which pre-qualifications are stored in one or more databases and are linked... | 04/24/2012 |
| 8165961 | Method and system for setting levels of electronic wallet security A method of a portable electronic device providing payment from an electronic wallet is provided. The method comprises prompting for input of a personal identification number (PIN) after the wallet has been opened and providing payment from the wallet after receivin... | 04/24/2012 |
| 8150768 | Performing automatically authorized programmatic transactions Techniques are described for facilitating interactions between computing systems, such as by performing transactions between parties that are automatically authorized via a third-party transaction authorization system. In some situations, the transactions are progra... | 04/03/2012 |
| 8150769 | Performing automatically authorized programmatic transactions Techniques are described for facilitating interactions between computing systems, such as by performing transactions between parties that are automatically authorized via a third-party transaction authorization system. In some situations, the transactions are progra... | 04/03/2012 |
| 8145569 | Multiple party on-line transactions A role associated with one or more parties involved with a purchase transaction is received. A routing rule associated with the purchase transaction is also received, the routing rule defining how the purchase transaction is routed among the one or more parties. The... | 03/27/2012 |
| 8140434 | System for making funds available for gaming A system for making funds available for gaming which includes a terminal which is configured to read customer information from a card. The terminal includes an input/output unit configured to allow the customer to select a quasi-cash transaction and to generate an o... | 03/20/2012 |
| 8121949 | Computer-based method and system for aiding transactions A method for providing a warranty relating to a transaction between two parties, each party having a data communications device, in a system which includes an infrastructure composed of a plurality of locations each associated with a respective institution which pro... | 02/21/2012 |
| 8117129 | Systems, methods and computer program products for performing mass transit merchant transactions Methods, systems and computer program products are provided for enabling access to mass transit systems using a financial transaction instrument including reading an identifier including financial payment information from the financial transaction instrument and det... | 02/14/2012 |
| 8117128 | Content usage management system method, and program providing medium therefor When the encrypted content is provided from a service provider to a user device, a usage log including information of the content usage fee is created in the user device. The created usage log is then sent to the service provider. The service provider compares the c... | 02/14/2012 |
| 8103588 | System and method for account level blocking A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further in... | 01/24/2012 |
| 8099363 | Methods and systems for processing card-not-present financial transactions as card-present financial transactions Methods and systems for processing and facilitating the processing of payment card transactions between remote merchants and purchaser/card holders as authenticated card-present transactions, and for reducing processing fees charged to merchants. Purchaser/card hold... | 01/17/2012 |
| 8095465 | Methods and apparatus for preventing fraud in payment processing transactions A method includes receiving an authorization request for a purchase transaction, and determining whether the authorization request arose from proximity-reading a proximity payment device. The method further includes mapping a first account number included in the aut... | 01/10/2012 |
| 8095519 | Multifactor authentication with changing unique values A method of authentication includes the steps of providing a transaction service provider having a secure server; providing a user; requesting access authorization to the server of the service provider by the user, the server storing a set of use parameters obtained... | 01/10/2012 |
| 8095464 | Recurring transaction processing Techniques for processing of recurring payments are provided that allow a consumer to decide whether to update consumer account information at a merchant when a consumer is issued new account information for a payment card or the like. For example, a consumer may re... | 01/10/2012 |
| 8090657 | Method and apparatus for authenticating financial transactions A system for authentication of financial transactions using a remote terminal includes apparatus for sampling a unique biological identifier of a system user. The system has particular relevance to credit card or other electronic funds transfer transactions whereby ... | 01/03/2012 |
| 8086534 | Methods and systems for cardholder initiated transactions A cardholder-initiated financial transaction using a cardholder controlled input device in communication with a payment card network and a database is disclosed. The cardholder uses a payment card issued to the cardholder by an issuer bank. An exemplary method inclu... | 12/27/2011 |
| 8086533 | System, method, and computer program product for payment authorization based on a variable payment authorization score A system, method, and computer program product are provided for generating a variable payment authorization score. In use, a payment authorization request is received. In response, a variable payment authorization score is generated. Further, the variable payment au... | 12/27/2011 |
| 8078538 | Systems and methods for remotely authenticating credit card transactions A system for remotely authenticating credit card transactions of a consumer comprises at least one subsystem that alerts the consumer via a communication device of the consumer when a credit card transaction that meets certain criteria is being attempted on the cons... | 12/13/2011 |
| 8073776 | Method and apparatus for a no pre-set spending limit transaction card A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card, including an overlimit spend feature and an associated communicated line of credit. The transaction card may ca... | 12/06/2011 |
| 8065234 | Methods and systems of predicting mortgage payment risk Disclosed herein are methods and systems for detecting a risk of payment default. In various embodiments, the systems/methods receive mortgage data associated with a mortgage application of an applicant, generate one or more models based on data related to historica... | 11/22/2011 |
| 8065233 | Identification and management of fraudulent credit/debit card purchases at merchant ecommerce sites Transaction processing of online transactions at merchant sites determines the likelihood that such transactions are fraudulent, accounting for unreliable fields of a transaction order, which fields do not reliably identify a purchaser. A scoring server using statis... | 11/22/2011 |
| 8036988 | System and method for performing secure credit card transactions A method and system of performing secure credit card purchases in the context of a remote commercial transaction, such as over the telephone, wherein only the customer, once generally deciding upon a product or service to be purchased, communicates with a custodial ... | 10/11/2011 |
| 8032460 | Authentication managing apparatus, and shop communication terminal A money receiving system receives monetary payments without using cash or placing restrictions on recipients of such payments. This system uses an authentication management apparatus and a store communication terminal. The authentication management apparatus include... | 10/04/2011 |
| 8032461 | Method and system for facilitating, coordinating and managing a competitive marketplace A system and method for facilitating, coordinating and managing the operation of a competitive marketplace via the Internet. The system and method collect bids for market services from a plurality of customers, calculators a clearing piece for the market service and... | 10/04/2011 |
| 8019685 | System and method for account level blocking A system and method are disclosed. The method includes receiving, at a server computer, a transaction clearing request for a transaction, and then determining, using the server computer, if the transaction satisfies a stored blocking parameter. The method further in... | 09/13/2011 |
| 8019686 | Method and system for allowing simultaneous usage of prepaid services A method and system allows multiple and simultaneous use of a pre-paid calling card. A call management system allows for the completion of multiple calls under one pre-paid calling card account number. Depending on the number of concurrent users, a billing system as... | 09/13/2011 |
| 8015111 | Apparatus and methods for providing a payment system over a network Apparatus and methods provide an accumulator that processes electronic payments from an employer to a recipient via a network. The payments processed may be, for example, child support payments collected from an employee by the employer. The employer may submit one ... | 09/06/2011 |
| 8001050 | Methods and systems for verifying customer supplied financial account information using debit and credit transactions Embodiments of the invention describe methods and systems for verifying customer supplied financial account information verification using debit and credit transactions. These methods include electronically transmitting an electronic debit and credit transaction to ... | 08/16/2011 |
| 8001049 | Data submission for anti-fraud context evaluation Contextual data is gathered about a user's known location and/or about a user's expected location and generates contextual indicators based on at least a portion of the gathered contextual data. The contextual indicators are provided to one or more relying parties, ... | 08/16/2011 |
| 7987138 | Recurring transaction processing Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account numb... | 07/26/2011 |
| 7983987 | System and method for conducting secure payment transaction In a secure electronic payment system, authentication data based on a payment account (e.g., a credit card account) is sent from an authentication server, through a user's Web browser, to a merchant's computer. The merchant's computer sends the authentication data t... | 07/19/2011 |
| 7970705 | Recurring transaction processing Techniques for processing of recurring payments are provided that do not require merchants to update consumer account information when a consumer is issued a new account number for a payment card or the like. For example, when a consumer is issued a new account numb... | 06/28/2011 |
| 7966255 | Method and apparatus for a no pre-set spending limit transaction card A method and apparatus are provided for a no pre-set spending limit transaction card with features and attributes of both a credit card and a charge card, including an overlimit spend feature and an associated communicated line of credit. The transaction card may ca... | 06/21/2011 |
| 7966256 | Methods and systems of predicting mortgage payment risk A method for detecting a risk of payment default comprises receiving mortgage data associated with a mortgage application, the mortgage application associated with an applicant, determining a first score for the mortgage data based at least partly on one or more mod... | 06/21/2011 |
| 7966257 | Real time account update A method is used in a system that includes a financial service provider coordinating accounts issued by an issuer to cardholders requesting credit from merchants. The method can be performed by a merchant sending a transmission to its acquirer including a request fo... | 06/21/2011 |
