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System and method of electronically perfecting a premium finance agreement
A system and method of electronically perfecting a premium finance agreement (PFA) includes receiving data associated with an agent, the agent representing a potential insured; receiving data from the agent corresponding to at least a down payment for the PFA by the insured; providing the agent with the ability to electronically...

Systems and methods for establishing or improving credit worthiness
Systems and methods for establishing or improving a consumer's credit worthiness are disclosed. A system for establishing or improving a consumer's credit worthiness may include three or more levels, in which a consumer is provided with increasing financial responsibilities. In a first level, a consumer may be provided with one or...

Method and system for making donations to charitable entities
A system for a user making a donation to a third party by redeeming reward points, including an issuing bank computer storing a user credit/debit card account and a user reward point account, and a funds processor programmed to send a web page to a user device querying the user if...

Method and system for managing sovereign/non-sovereign dual debit accounts
A sovereign/non-sovereign dual debit account (DDA) management system includes a DDA entity having a sovereign debit account containing sovereign currency and a non-sovereign debit account containing non-sovereign currency and a currency trading entity. The system further includes a real-time digital currency exchange (rtDCE). The DDA entity and the currency trading entity...

Method, device, add-on and secure element for conducting a secured financial transaction on a device
A device, an add-on and a secure element for conducting a secured financial transaction are disclosed. The device comprises a central processing unit; a communication interface for establishing a communication between the device and a financial institution related to a financial account; an interface for acquiring data relating to the financial...

Systems, devices, and methods for processing payments for a card
Embodiments of the disclosure include systems, methods, and devices for processing payments for a card. Such embodiments include receiving payment information from a payor at an intermediate entity server as well as authorizing the payment transaction, by the intermediate entity server, based on the payment information. Further such embodiments include providing...

System to utilize telecommunications data to authorize and activate equipment
This system enables equipment that previously has been activated by coin, bill, token, payment cards, etc to be activated from a telecommunications device, which will typically but not necessarily be mobile. The system maintains a database of registered users, their payment mode, prepaid or paid at time of service, account balance...

Methods and apparatus for managing network linked gambling video games
Methods and apparatus for playing video games in a network environment are provided. One method includes receiving a request to initiate a game for a player of a first network connected device and enabling a second player from a second networked connected device to play the game. The method also enables...

Secure element as a digital pocket
The disclosure includes a system and method in which one or more virtual resources are presented to a secure element; and the one or more virtual resources are mapped to available resources based on a model architecture for the secure element in order to provide hardware abstraction, the available physical resources...

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...

Buyer initiated payment
Transferring funds from a payment originator (or payor) to a payment beneficiary (or payee) pushes the funds directly to a beneficiary's bank. The beneficiary's bank is not required to actively pull funds into the beneficiary's account. An originator can use a publicly known beneficiary indicator to direct payment to the beneficiary....

Systems and methods of managing postpaid and prepaid accounts
A computerized method of managing postpaid and prepaid accounts of subscribers. The method comprises managing, for each of a plurality of subscribers, a prepaid account and a postpaid account having a common identifier, providing at least one accounts management rule, receiving payment instructions to debit or credit a first of the...

System and method for paying a merchant by a registered user using a cellular telephone account
A system and method allows users to make purchases by charging or funding a prepaid debit card with their cell phone accounts by simulating a user roaming with their mobile device....

Method of conducting financial transactions using a phone node in communication with a transactional server
The present invention relates to a method of conducting financial transactions using a phone node in communication with a transactional server, wherein such method uses telephone numbers as identifiers to the financial values transacted. Each financial account is mapped to a plurality of value-related telephone numbers, wherein such numbers correspond to...

Prepaid short message services revenue capture
A prepaid messaging solution that utilizes a pre-delivery debit query to tariff a short message, coupled with an additional debit query performed once necessary billing information has been acquired. A short message is tariffed prior to message delivery via a pre-delivery debit query to a prepaid server. During message delivery, the...

System and device for receiving authentication credentials using a secure remote verification terminal
The present invention relates generally to a system and device for expanding the utility of remote payment technologies by way of a remote transaction card reader and keypad for the entry of an account PIN. More specifically, the device moves much of the functionality required for mobile payments away from a...

Secure integrative vault of consumer payment instruments for use in payment processing system and method
A system and a method is provided for secure storage of consumers' credentials, financial accounts such as credit cards, debit cards, prepaid cards, checking accounts, savings accounts, proprietary gift cards, line of credit accounts, brokerage accounts, loyalty accounts, flexible spending accounts, health savings accounts, or the like, and storage of consumers'...

Gratuity processing system apparatus and related methods
Apparatus and methods are disclosed to improve the administration of tip monitoring, collection, and distribution, and related reporting needs (such as for U.S. tax reporting). POS systems and employee prepaid debit cards can be used to make the distribution process “cash-less.”...

Detection of potentially fraudulent activity by users of mobile communications networks
A mobile communications fraud detection system is provided in which one or more probe devices are deployed to intercept predetermined types of data being carried over selected interfaces within the mobile communications network. In particular, the probe devices are arranged to intercept data being carried between equipment responsible for providing the...

System and method for preventing abuse of emergency calls placed using smartphone
The present invention relates to a system and method for preventing the abuse of emergency calls placed using a smartphone. When emergency information is transmitted to a preset guardian terminal by pressing a plurality of emergency buttons, a guardian terminal verifies whether or not there is an emergency and transmits an...

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Key IP Translations - Patent Translations



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