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Financial account segmentation system
Disclosed is a method and system for optimizing an existing customer financial product account database for a financial institution. A customized product segmentation strategy based at least on the financial product account database identifies opportunities to cross-sell new credit and debit products, and increase the usage of credit and debit products...

Exceeded account threshold service involving exceeded account threshold magnetic stripe
In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a...

Multi-source debit card object oriented system and method
The present invention involves a server based system and method which enables multiple source reloading of a single debit card. The multiple-source debit card system and method allows multiple individuals to provide funds to a single debit card without the multiple individuals needing to know any bank account information. Multiple sources,...

Payment account management
Disclosed are various embodiments for charging one or more accounts based on user-created business rules for transactions that occur on a master account. The transaction management application identifies the master account associated with the charge request. Once the master account has been identified, the transaction management application determines which of the...

Reservation system
A computerized system for registering participants for a service provided in a plurality of events for which a variable number of participants may be registered and where at least a part of the costs of the event are fixed. The system receives registration data providing a first and a second number...

System and method for implementing financial assistance programs
A system and method to provide food stamp benefits to recipients. The state agency responsible for distributing food stamp benefits to eligible recipients employs an issuer to produce consumer access devices for distribution to the recipients. The consumer access device is encoded with information enabling the food stamp recipients to purchase...

Using a transaction card account to make recurring loan payments
Recurring loan payments (e.g., mortgage payments) through a transaction card account is disclosed. Information is received at a transaction account system from a loan company system corresponding to an application received at the loan company system from a requester for a loan involving automatic debits to a transaction card account. A...

Fuel purchase transaction method and system
A mobile device, such as a vehicle telematics system or a smartphone, is used to facilitate a fuel purchase transaction providing a multi-stage authorization process. In a first stage, an account code is provided wirelessly to a fuel station receiver by the mobile device from within the vehicle to prevent using...

Retailer debit card system
A method of processing a purchase transaction for one or more items includes receiving, at a central computing network, MICR information associated with a financial account of a customer. The central computing network includes a solicitation processor and a comprehensive negative check file. The method further includes using the solicitation processor...

Methods and systems for routing payment transactions
Methods and systems for routing payment transactions electronically involve interrogating by computer logic each payment transaction received by a payments interface processor to identify a payment destination and a payment source and to determine, according to pre-defined parameters, whether the payment transaction is eligible for processing via an internal payment transaction...

Method and system for distribution of unactivated bank account cards
The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a...

Parking meter and a device therefor
A single bay parking meter device is provided which accepts payment by means of a credit or debit card, an electronic purse, or coins. The device has a power supply unit, a solar power charging arrangement and power management, such that it does not need power supply cables to be installed...

Lottery transaction mechainsm
Described are a number of mechanisms that can reduce transaction costs and increase the economic viability of a number of products. Included is a combination instant lottery ticket and debit card that makes it possible to issue prepaid debit cards having a relatively low monetary value. Also included is a combination...

Systems and methods for real-time account access
Systems and methods for real-time account access, allowing access to accounts (such as deposit, credit, or debit accounts) through network processing infrastructures such as Electronic Funds Transfer (EFT). In some embodiments, consumers and/or merchants are able to effect transaction requests against accounts, using a pseudo-identifier or other identifier, and without the...

Integrated technology money transfer system
Money transfer method and system for quickly and easily sending cash from one party via electronic mediums such as phones and computer modems using one of a credit card, debit card, ATM (automated teller machine) card, and/or a bank card and/or bank checking account and/or bank savings account, to another party...

Integrated technology money transfer system
Money transfer method and system for quickly and easily sending cash from one party via electronic mediums such as phones and computer modems using one of a credit card, debit card, ATM (automated teller machine) card, and/or a bank card and/or bank checking account and/or bank savings account, to another party...

Aggregation system for downloading resources
Methods, systems, and apparatus, including computer programs encoded on a computer-readable storage medium, and including a method for aggregating data rates. The method comprises identifying plural mobile devices configured for communication with a carrier-associated network for downloading network resources, and creating a data bundle representing data download capacity to be shared...

Mobile payment using picture messaging
A mobile device equipped with at least a display and an input is used to connect to a server on the mobile network. Upon authentication of a user of the mobile device, the server generates the payment key, encodes the key in an image, such as a bar code, and transmits...

Method and system for distribution of unactivated bank account cards
The invention comprises a method for distributing dead bank cards to customers who have not solicited a bank card or submitted an application. The dead bank card is a bank card (e.g., ATM card, debit card, check card, and the like) which contains all necessary information to be used, including a...

Smart tranportation services & payment system and method
A method and system for paying for transportation and/or transportation support services and providing member services associated with the transportation is provided. The method includes relating a member-user to a given transportation service entity by Smartphone (iPhone, Android, or similar), Cellular phone, Special Debit Card/Smart Card, registered LPR, RFID, etc. The...

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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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