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Anti-fraud financial transaction method
An anti-fraud financial method that enables a strong initial registration process for registering a financial payment instrument such as a credit card, debit card, money transfer, or checking account with a financial institution without external storage of private keys, so that only the registrant has the private key, and enables a...

Smart card loading transactions using wireless telecommunications network
A smart card transaction allows a consumer to load value onto a smart card and to make purchases using a smart card with a mobile telephone handset over the telecommunications network. For loading, the system includes: a mobile telephone handset including a card reader; a gateway computer; a funds issuer computer;...

Apparatus and methods for web initiated phone payments
A method and apparatus is disclosed for completing transactions initiated on online internet websites and completed with payments over phone. The process allows users an easy, convenient and secure method for making online payments without using credit or debit cards....

Automatic interest conversion program
A computer implemented method is provided for automatically converting bank account interest transactions into additional principal payments on mortgage accounts. The method further allows the customer to overlay an increase factor, on the interest amount, to increase the amount of the additional mortgage principal payment. The method further includes automatically debiting...

Optimizing generation of agency debit memos
Methods, systems, and computer program products for determining an expected value of generating an agency debit memo and/or inquiry, scheduling a task of generating the memo and/or inquiry, and determining optimal operator staffing levels. An optimizer module determines if an agency debit memo should be generated based on a probability the...

System and method for controlling financial transactions over a wireless network
A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless...

System and method for controlling financial transactions over a wireless network
A system and method for controlling financial transactions is disclosed. A customer, using a wireless device, identifies a point of sale and the amount of a transaction at that point of sale is first communicated to a central service and then transmitted to the wireless device for display at the wireless...

Device-to-device based content delivery for time-constrained communications
A method for operating a server includes receiving, at the server, a request from a mobile device identifying a data file and retrieving the data file from a remote storage device in response to receiving the request. A party other than a party that operates the server operates the remote storage...

Systems and methods for secure debit payment
A method for generating a personal identification number (PIN) debit child product for use in performing a debit payment transaction with a merchant entity. A payment processing platform receives a user selection of a financial institution made via a merchant payment page and directs the user to authenticate a user identity...

Hierarchical classification in credit card data extraction
Embodiments herein provide computer-implemented techniques for allowing a user computing device to extract financial card information using optical character recognition (“OCR”). Extracting financial card information may be improved by applying various classifiers and other transformations to the image data. For example, applying a linear classifier to the image to determine digit...

Extracting card data with linear and nonlinear transformations
Embodiments herein provide computer-implemented techniques for allowing a user computing device to extract financial card information using optical character recognition (“OCR”). Extracting financial card information may be improved by applying various classifiers and other transformations to the image data. For example, applying a linear classifier to the image to determine digit...

Extracting card data with card models
Embodiments herein provide computer-implemented techniques for allowing a user computing device to extract financial card information using optical character recognition (“OCR”). Extracting financial card information may be improved by applying various classifiers and other transformations to the image data. For example, applying a linear classifier to the image to determine digit...

Extracting card data with wear patterns
Embodiments herein provide computer-implemented techniques for allowing a user computing device to extract financial card information using optical character recognition (“OCR”). Extracting financial card information may be improved by applying various classifiers and other transformations to the image data. For example, applying a linear classifier to the image to determine digit...

System and method for fraud control
A system and method in accordance with exemplary embodiments may include systems and methods for providing fraud management, which may include, receiving account holder data, determining vertical spend patterns associated with merchants to define a merchant risk for each merchant, generating a transactional behavior patter for the account holder, and generating...

Systems and methods for poker gameplay funding
Systems and methods for poker gameplay funding are disclosed through the crediting gaming accounts and the debiting of a stored value account. The stored value account can be linked to a stored value payment vehicle issued to a player. Funds held by the stored value account can be used for tournament...

Direct debit procedure
The invention describes a method of direct debiting a user by means of a mobile communication device comprising a secure element. The method comprises the steps of: receiving at least a part of an identifier provided by means of a backend system by means of the mobile communication device; storing the...

Automatic consumer debit and payment system
Customers provide payday and creditor/biller information to a payment service, which determines the customer's aggregated monthly payments on periodic accounts such as vehicle loans and mortgages and then on each payday deducts a fraction of the aggregated amount in a single transaction, resulting in only a single fee to the customer....

Systems and methods for balance transfers associated with payment vehicles and gaming environments
Systems and methods for crediting a gaming account of an online gaming provider are disclosed. When the gaming account is of a player is credited, a stored value account of the player is debited. The stored value account can be linked to a stored value payment vehicle issued to a player....

Rebate automation
A computer receives information that a request is made to authorize a transaction for a sale of a product by a merchant to an account holder in a transaction conducted on a consumer account issued to the account holder. When the computer confirms that the transaction is authorized and that the...

Apparatus and/or kit related to smartphone cases
Devices, features, and aspects are drawn to using and repurposing smartphone cases. A holder insert having a frame is dimensioned to be received in a cavity of a smartphone case in place of a smartphone to repurpose the smartphone case. Once the holder insert is received in the cavity, the smartphone...

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Debit patents



      
           
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This listing is a sample listing of patent applications related to Debit for is only meant as a recent sample of applications filed, not a comprehensive history. There may be associated servicemarks and trademarks related to these patents. Please check with patent attorney if you need further assistance or plan to use for business purposes. This patent data is also published to the public by the USPTO and available for free on their website. Note that there may be alternative spellings for Debit with additional patents listed. Browse our RSS directory or Search for other possible listings.
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