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Methods and systems for verifying customer supplied financial account information using debit and credit transactions
Embodiment 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 the customer financial account, based on the customer supplied financial account information. The method also includes electronically transmitting...

Systems and methods of product placement
A product seller site distributes on a pay for placement basis placed product with purchased product when the purchased product is delivered, where the placed product is associated with the purchased product by at least one specific characteristic. For example, the owner of a product funds an account and supplies product...

Systems and methods for targeted point-of-sale content delivery
Systems and methods of presenting targeted content to consumers at a point of sale using a customer profile derived at least in part from consumer credit or debit card information transmitted from the point of sale....

Secondary market and vending system for devices
The system enables one to securely recycle an electronic device in a publicly accessible location. In particular, the embodiment described may be used by a mobile phone owner to submit his/her mobile phone for recycling via an electronic kiosk and receive compensation in some form. The compensation might be dispersed via...

Virtual wallet account with automatic-loading
Methods and apparatus for operating a virtual wallet system to improve the operation of decoupled debit payment account schemes are described. In an embodiment, the process includes a virtual wallet server receiving a peer to peer purchase authorization request from an originating payment service provider (PSP). The virtual wallet server maps...

Conditional balance management for non-issuer debit instruments
A computer receives information about a debit account controlled by a third-party issuer, a user owing the account and instructions for managing the account after a specified trigger date. Operating according the instructions, an unknown remaining balance in the account may be exhausted after the trigger date has passed, using a...

Systems and methods to optimize media presentations
In one aspect, a computing apparatus is configured to profile the spending distribution of users who have made purchases from a merchant and who have paid for the purchases via a transaction handler (e.g., using credit cards, debit cards, prepaid cards). The spending distribution is determined based on transaction data of...

Mobile device-based cardless financial transactions
The technologies disclosed herein use mobile computing devices, such as smartphones, to facilitate purchases without the use of a credit or debit card (i.e., “cardless” purchases). A cardless purchase can be initiated by a user using their mobile device to connect with a merchant's acquiring bank (acquirer), the acquirer collecting a...

Systems and methods for programmable payment cards and devices with loyalty-based payment applications
A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or...

Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality
A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Gift cards may be inputted by a user into such a payment card or other device such that a user can combine...

System and method for the distribution of software products
A system and method for selling software products over a network. The system includes a server computer with access to software products. The system is configured to allow a user to purchase a subscription for the periodic acquisition of selected software products. In one embodiment, as part of the subscription, the...

Systems and methods for routing debit transactions
Systems and methods for routing debit transactions. In one embodiment, a method for routing debit transactions can be provided. The method can include obtaining, by a routing determination system comprising one or more computers, information associated with a proposed debit transaction. The method can also include identifying, by the routing determination...

Network service provider assisted payment fraud detection and mitigation methods and apparatus
Fraud detection and/or detection of discrepancies between customer provided information and reliable information corresponding to a customer are described. The methods and apparatus are particularly well suited for Internet and/or other E-commerce transactions. A payment company, e.g., a credit card/debit card provider, as part of a transaction authorization, sends a query...

Systems and methods for providing loyalty programs via a debit card or debit card account identifying device
A method and system are provided for linking loyalty programs for merchants and debit card customers. This involves storing, in a database memory, loyalty program identifiers, debit card customer identifiers, for each debit card customer and each loyalty program in which that debit card customer is registered, a loyalty program customer...

Systems and methods for providing loyalty programs via a debit card
A method and system are provided for linking loyalty programs for merchants and debit card customers. This involves storing, in a database memory, loyalty program identifiers, debit card customer identifiers, for each debit card customer and each loyalty program in which that debit card customer is registered, a loyalty program customer...

Multiplayer slot machine gaming
Slot Machine Arena provides computerized method and system for managing slot machine gaming sessions, including: adding a plurality of mutually competing players to a multiplayer session wherein a plurality of players play against one another, each added by a module of a hosting client terminal; receiving from each player a bet;...

Computer enabled methods and systems for facilitating micropayments via public networks
A computer enabled system for facilitating electronic micropayments in which an accounting application receives a vendor submission a remote vendor server via a public communications network. This includes identifiers for the vendor, the customer and an item selected by the customer. The accounting application then checks the status of the customer's...

Software distribution accounting
A software product server, such as an application server or application store, can receive a purchase request for an application from a remote device. In response to a received request, the software product server is configured to provide an application to a remote device. The remote device receives the application and...

Universal prepaid communications
A communications system includes both cellular and land based telecommunications such as PSTN telephone, as well as cellular telephone. A subscriber may use prepaid cellular phone to make and receive calls via cellular network. A Mobile Switching Center (MSC) routes the subscriber's calls to and/or from wireline network for domestic connections...

Kiosk for providing customized transaction cards to customers
A system for incentivizing purchases by consumers comprises a kiosk configured to appraise an item. A composition of the item is determined using an evaluating device. A cash value is associated with the item using data obtained by the evaluating device and market data obtained over a network, and an exchange...

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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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