 Patent Application Title |
Patent App Num. |
Date |
| Payment terminal using a mobile communication device, such as a mobile phone; a method of direct debit payment transaction | 20110022482 | 20110127 |
| A payment terminal using a mobile communication device, such as a mobile phone, is located on a removable memory card (1) which is adjusted in such a way so it can be inserted into an additional hardware slot which is used to add functionalities that surpasses the basic functions of the mobile communication device. (4). A payment POS terminal application runs on a removable memory card (1), which also contains at least one payment card. The configuration data of the terminal's selected identity and the payment card's data are located in the separate parts of the secure element (3, 31, 32) or in completely independent secure elements (3, 31, 32). The payment card's unit (7) with the card's payment application is located in the secured part... |
| Tim system | 20110017819 | 20110127 |
| TIM System is the system that will allow people around the world to wire money more efficiently and more sufficiently. There is no more waiting in line and/or for the hours of operation of Money Transfer Companies such as Western Union, Money Gram and etc. TIM System is capable to wire money in matter of minutes on any day at any time including the major holidays just by using ATMs. TIM System is the unique program that is setup in financial institutions and allows its ATMs to operate the money wire transactions worldwide. TIM System program is an extra feature that works along with or communicates to ATMs and gives people an opportunity to send (wire) and/or receive (withdraw) money through it when it is most... |
| System and method for exchanging loyalty points for acquisitions | 20110015955 | 20110120 |
| Systems and methods are provided for facilitating an acquisition from a merchant, whereby payment for the acquisition is made at least partially through automated redemption of loyalty points from a loyalty account. In particular, information is received at a loyalty point exchange system from the merchant. The information may include loyalty data indicating that the acquisition was paid for using a transaction card account that is to be reimbursed using loyalty points from the loyalty account. The loyalty account is debited by an amount equal to a currency value of the acquisition and the transaction card account is credited the amount charged for the acquisition. Loyalty points may, alternatively, be used to directly pay for purchases without the steps of charging and crediting a transaction card.
... |
| Parking meter with ev recharging capability | 20110011930 | 20110120 |
| A parking meter includes a credit or debit reader to capture financial information; a printer to print parking slips; and a controller coupled to a power receptacle, the controller receiving financial information from the card reader and upon receiving authorization for a credit or debit transaction, printing a parking slip and applying power to the power receptacle to recharge a vehicle battery.
... |
| International banking system and method | 20110004554 | 20110106 |
| A system and method for providing banks with access to a previously inaccessible existing international infrastructure. A provider bank first establishes on its system, a set of accounts for each of the customers of a client bank (the client bank environment). The client bank environment has its own Demand Deposit Account (DDA) module to process account entries and calculate interest and its own funds transfer module to initiate and to receive funds transfers. The primary interface into the funds transfer section in the client bank environment is to the funds transfer section of the provider bank environment. The funds transfer section of the provider bank is coupled to the systems which constitute the international banking infrastructure that is able to process banking transactions on a global... |
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| Electronic consumption system for a mobile communication device | 20110004532 | 20110106 |
| An electronic consumption system for a mobile communication device receives a transaction message transmitted by a user's mobile communication device, and transmits consumption information to a financial institute port and a vendor port, allowing the vendor port to provide a business activity corresponding to the transaction message, and the financial institute port to conduct debiting to the user and appropriation to the vendor port, corresponding to the transaction message. Therefore, the user can conduct a business activity, like consuming and purchasing, through the mobile communication device at any time, and can be aware of business messages provided by different vendor ports. In addition, an alliance among different industries at the vendor port, and an interaction between the financial institutes can be facilitated.
... |
| Electronic transaction verification system with biometric authentication | 20110000961 | 20110106 |
| An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. The system preferably has the ability to read or scan transaction and account information printed or encoded on the transaction token, digitally encode biometric data, scan drivers' licenses or other identification cards, and take a signature of a customer, all at a transaction location for purposes of account verification. The electronic transaction verification system preferably digitizes various indicia of the token, such as the magnetic ink (MICR) line on a presented check or the magnetic strip on a credit card or debit card, and transmits the transaction information data to a central processing system,... |
| Medical expenses funding and payment program | 20100332416 | 20101230 |
| A method for funding and paying for medical expenses that are not otherwise covered by an insurance plan, particularly elective medical procedures. The funding and payment program includes a managing organization that assists a consumer with identifying what medical services are available, which medical providers provide those services, the costs of the desired services and the potential funding sources to pay for those services. The managing organization works through the consumer's employer and directs the consumer to participating financial institutions who can loan funds to pay for the medical services and directs the consumer to participating medical providers who have the desired qualifications. The financial institution issues a pre-approved debit card or other payment mechanism to the consumer so the medical provider can be paid as... |
| Diet control method | 20100332333 | 20101230 |
| A device and system which have capability of inhibiting food purchases. The system analyzes proposed food purchases for adherence to a pre-established dietary regimen. If a proposed purchase fails to conform to the dietary regimen, the device may inhibit authorization of payment of funds for the proposed purchase. The device and system may comprise an electronic payment device such as a credit or debit card, or a portable image capture device such as a cellular telephone having camera capability for example. The device may be self-contained or alternatively, may work in conjunction with a remote station, such as a data processing station linked to the device by a communications channel.
... |
| System and method for sending money to a recipient | 20100332334 | 20101230 |
| The invention provides a system and method for sending money, locally or internationally, which method includes the steps of, issuing a sender of money with a virtual (credit or debit) card number and a card expiry date, communicating to the intended recipient of the money the virtual card number and card expiry date, presenting the virtual card number and, optionally, the card expiry date, to any merchant with a point-of-sale terminal that is capable of processing credit and/or debit card transactions, processing a key-entered purchase or cash-back transaction, on the point-of sale terminal by keying in the virtual card number provided by the recipient into the point-of-sale, optionally together with the card expiry date and the amount, processing, also known as authorizing, settling and clearing, with... |
| Methods and apparatus for providing centralized web services for funds transfer system | 20100325021 | 20101223 |
| A method of operating a centralized web services computer system includes providing a standard interface for financial institutions (FIs) and for funds transfer service providers that participate in a remittance system. The centralized web services computer system may also provide services such as integrating its operations into online banking or customer service representative web environments provided by the FIs. The centralized web services computer system may also provide services related to routing messages, looking up territory-related information, checking user information against blacklists, issuing instructions to FIs to debit or credit user accounts, and/or generating reports.
... |
| Method and system for converting credit card rewards points to dollars for medical, dental, and pharmacy expenses | 20100324923 | 20101223 |
| A method for helping a purchaser of goods pay for health care services when the purchaser uses a credit/debit card that enables participation in such a monetary reward program. A credit/debit card reader, at the point of sale, reads the information recorded on the card. The information is sent to a processor of the issuer of the credit/debit card and a data bank is accessed to determine if the purchaser is qualified to receive points based on the dollar amount of the purchase where these points are to be used to pay a portion of a health care provider's bill for services when such an expense is generated by the credit/debit card user. Each qualifying dollar amount spent on the card is assigned a predetermined number... |
| Pyrazolone derivative | 20100324091 | 20101223 |
| wherein R1 to R3 are the same as defined in claims; or an optical isomer, a pharmaceutically acceptable salt thereof, or a hydrate or solvate thereof is provided. The novel pyrazolone derivative according to the present invention has a PAI-1 production inhibitory activity, a tissue fibrosis inhibitory activity, and a fibrolytic activity, and is effective for preventing and/or treating tissue fibrotic diseases (lung fibrosis, kidney fibrosis, etc.) and diseases of which a pathological thrombus becomes the cause, such as ischemic cardiac diseases (cardiac infarction and angina pectoris), atrial thrombus, lung embolism, deep thrombophlebitis, disseminated intravascular clotting, ischemic brain diseases (brain infarction, brain hemorrhage), and arterial sclerosis. In addition, a pharmaceutical agent for preventing and/or treating the disease conditions or the symptoms mediated by plasminogen activator inhibitor-1,... |
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| Method, connection and data carrier to perform repeated operations on the key-board of mobile communication device | 20100323617 | 20101223 |
| When processing repeated operations on the keyboard of a mobile communication device, mainly at direct debits, used is a separate data carrier with a memory in which is stored at least one file with a sequence of keyboard orders of a macro type. Data carrier is energetically supplied contact-free by electromagnetic field of the mobile communication device while receiving the requiring order and, according to this order, chooses from the memory and encodes appropriate file with a sequence of keyboard orders. Data carrier sends the encoded file into the mobile communication device which decodes the received file and performs processes representing the keystrokes according to the sequence of keyboard orders. The invention also describes connection and data carrier to perform above described method where the data... |
| Tamper-resistant secure methods, systems and apparatuses for credit and debit transactions | 20100318468 | 20101216 |
| An electronic payment transaction involves operating a gateway device in an electronic payment system to receive first encrypted transaction data from a merchant device, wherein the first encrypted transaction data is encrypted by means of a merchant device-specific encrypting key. Decrypted transaction data is produced by using a merchant device-specific decrypting key to decrypt the first encrypted transaction data. Second encrypted transaction data is derived from the decrypted transaction data, wherein the second encrypted transaction data is encrypted by means of a gateway device-specific encrypting key. The gateway device communicates the second encrypted transaction data to another electronic payment system server. A key transmission block received from the merchant device includes information that enables the gateway device to derive the merchant device-specific decryption key.
... |
| Electronic payment and authentication system with debit and identification data verification and electronic check capabilities | 20100318460 | 20101216 |
| An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
... |
| Method and apparatus of wirelessly connecting a first device to a second device | 20100315678 | 20101216 |
| A system and method for wirelessly connecting a first device to a second device utilizing a contactless smart card or RFID tag provided in proximity with the first device, the smart card or RFID tag containing information allowing the first device to be connected to the second device for the purpose of establishing a one way or two way connection between the two devices. The system and method of the present invention also allows information contained in a credit/debit card to be wirelessly transferred into the first device, either directly or indirectly, through the second device.
... |
| Debit purchasing of stored value card for use by and/or delivery to others | 20100312699 | 20101209 |
| A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
... |
| Coupon card point of service terminal processing | 20100312634 | 20101209 |
| A method of using a point of service terminal (POS) to provide a discount on a purchase is presented. The method includes receiving a portable coupon device associated with a consumer account. Stored in the memory of the portable coupon device is an electronic coupon associated with a sponsor account and which is receivable by a merchant for a discount on a purchase, the discount being debited from the sponsor's account. Also stored in memory is the discount information, which includes identifiers for the sponsor's account, a discount amount, and the purchase eligible for the discount. The discount information is then read from the portable coupon card and a transmission is formed requesting authorization of the electronic coupon. An authorization response is received and, if it... |
| Dual range cellular telephone coupon card generation | 20100312633 | 20101209 |
| A method for use in a payment processing network is provided. The method includes browsing to an Internet website in communication with a web service having a database storing electronic coupons. Each electronic coupon is associated with a sponsor's account and is receivable by a merchant for a discount, where the discount is debited from the sponsor's account and credited to the merchant's. The browser sends the selected electronic coupon and a specification including the rendering capability of the client, the type of portable coupon device, and an identifier for the consumer account associated with the portable coupon device. The browser then receives a rendering image, the memory storage location for the discount information, and the discount information, which includes identifiers for the sponsor account, the... |
| Coupon card generation web service | 20100312632 | 20101209 |
| A method is presented where, at a web service, a selection of an electronic coupon from a database is received from a web browser. The electronic coupon is associated with the account of the electronic coupon sponsor and is receivable by a merchant for a discount which is debited from the sponsor's account and credited to the merchant's account. A specification is then received that includes the rendering capability of the client, a type of portable coupon device associated with a consumer account and acceptable as payment for a future purchase, and an identifier of the consumer account. Next, a rendering image, a location to store the discount information in the memory of the type of the portable coupon device, and the discount information is retrieved... |
| Coupon card kiosk | 20100312631 | 20101209 |
| A method for providing an electronic coupon to a user of a kiosk is disclosed. The method includes receiving, via an input device of a user interface, a selection of an electronic coupon from a database. Each electronic coupon in the database is associated with a sponsor's account and can be used to receive a discount on a purchase from a merchant, where the discount is debited from the sponsor's account and credited to the merchant's. From the database, the kiosk retrieves a rendering image corresponding to the rendering capabilities of the kiosk and a memory location to store the discount information, and the discount information. The discount information includes identifiers for the sponsor's account, the discount amount, and the purchase eligible for the discount. The... |
| Transaction handler merchant reimbursement for consumer transaction use of sponsor discount coupon card | 20100312626 | 20101209 |
| A transaction handler receives, from a merchant's acquirer, an authorization request for a discount to a purchase. The discount is associated with an electronic coupon stored on a portable consumer device. The electronic coupon is associated with a sponsor account issued to a sponsor of a discount and has been received by the merchant to give the discount on a purchase by a consumer. The discount is to be debited from the sponsor account and credited to an account of the merchant. The first authorization request includes the sponsor account and a discount amount. The transaction handler sends the first authorization request to the issuer of the sponsor account, receives a first authorization back, and sends it to the merchant's acquirer. If the first authorization response... |
| Apparatus system and method of payment identification means using pulse and fingerprints | 20100306106 | 20101202 |
| The present invention is in the filed of identification of the human being which charging payment means such as credit card, by his physical appearance, or by e-payment such as telephone call or internet or computerized system or device. More particular, the present invention adding to the debit system an additional system that is to insure that the identity of the user making the payment means is the alleged person whom is the credit card owner for example, this achieved by the invention system that require the finger print data and at the same immediate time the pulse of the finger that attached to the device. That is to be achieved and detect by the system at the same time, when the person put his finger... |
| Method to transfer sales tax in real time from point of sale to a collecting government agency | 20100306071 | 20101202 |
| A method begins when a merchant sells to a retail consumer. The consumer then pays the merchant by credit card or debit card. The terminal of the merchant collects the sales data and transmits the sales data to a processor along with the sales revenue. The processor determines the geographic location of the merchant or the customer and the type of goods and services purchased, and then refers to an electronic table of tax rates by taxing authority. The processor then calculates the appropriate sales taxes and its commission upon a computer system. The processor then divides the sales taxes and commission from the sales revenue from immediate deposit to a collecting government agency and the merchant respectively. The method collects sales data upon the terminal... |
| Method and system for commodity-based currency for payment of accounts | 20100299257 | 20101125 |
| A system and method for permitting gold or other commodities to circulate as currency requires a network of system users that participate in financial transactions where payment is made in units of gold. The gold is kept in secure storage at a deposit site for the benefit of the users. The payments in gold are effected through a computer system having data storage and transaction processing programs that credit or debit the units of account of gold held for the account of each system user.
... |
| Capabilities and options for distributing functionality in an enterprise resource planning system landscape | 20100299229 | 20101125 |
| A system and method for distributing computing operations across multiple systems in an enterprise resource planning system is provided. In an embodiment, notifications are used to exchange information updates between the systems. In an embodiment, notifications containing financial data are sent to an accounting system. The accounting system may extract the financial data from the notification, use accounting logic in the accounting system to associate the financial data with a general ledger account maintained by the accounting system, and post an accounting entry in a financial document to properly credit and/or debit the account.
... |
| Systems and methods for implementing financial transactions | 20100299195 | 20101125 |
| A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a variety of payment methodologies for purchases, such as pay-as-you-go, virtual prepaid, virtual subscription, and post-paid purchases. The merchant may, in some embodiments provide consumers with merchant rewards accounts and an opportunity to earn reward points or other loyalty-based currencies through qualifying purchase transactions. The consumer may access their merchant-specific accounts for purchase payment using a preferred payment instrument, such as a credit or debit card.
... |
| Verification of portable consumer devices | 20100293189 | 20101118 |
| Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.
... |
| Tax refund system | 20100293079 | 20101118 |
| A tax refund system is disclosed in which in exchange for a taxpayer assigning all or a portion of his or her tax refund, a participating provider provides to the taxpayer a spending vehicle with buying power at participating outlets. Tax return data for an individual's tax return is processed by the IRS. A taxpayer consents to using a portion of the tax return data to acquire a spending vehicle from a financial institution of the taxpayer's choosing. Using a portion of the tax return data, the IRS arranges to electronically transfer an amount related to the taxpayer's refund to an account at the financial institution selected by the taxpayer. A taxpayer then receives a spending vehicle such as a credit, debit, or cash card, spending... |
| System and method for exchanging loyalty points for acquisitions | 20110015955 | 20110120 |
| Systems and methods are provided for facilitating an acquisition from a merchant, whereby payment for the acquisition is made at least partially through automated redemption of loyalty points from a loyalty account. In particular, information is received at a loyalty point exchange system from the merchant. The information may include loyalty data indicating that the acquisition was paid for using a transaction card account that is to be reimbursed using loyalty points from the loyalty account. The loyalty account is debited by an amount equal to a currency value of the acquisition and the transaction card account is credited the amount charged for the acquisition. Loyalty points may, alternatively, be used to directly pay for purchases without the steps of charging and crediting a transaction card.
... |
| Parking meter with ev recharging capability | 20110011930 | 20110120 |
| A parking meter includes a credit or debit reader to capture financial information; a printer to print parking slips; and a controller coupled to a power receptacle, the controller receiving financial information from the card reader and upon receiving authorization for a credit or debit transaction, printing a parking slip and applying power to the power receptacle to recharge a vehicle battery.
... |
| International banking system and method | 20110004554 | 20110106 |
| A system and method for providing banks with access to a previously inaccessible existing international infrastructure. A provider bank first establishes on its system, a set of accounts for each of the customers of a client bank (the client bank environment). The client bank environment has its own Demand Deposit Account (DDA) module to process account entries and calculate interest and its own funds transfer module to initiate and to receive funds transfers. The primary interface into the funds transfer section in the client bank environment is to the funds transfer section of the provider bank environment. The funds transfer section of the provider bank is coupled to the systems which constitute the international banking infrastructure that is able to process banking transactions on a global... |
| Electronic consumption system for a mobile communication device | 20110004532 | 20110106 |
| An electronic consumption system for a mobile communication device receives a transaction message transmitted by a user's mobile communication device, and transmits consumption information to a financial institute port and a vendor port, allowing the vendor port to provide a business activity corresponding to the transaction message, and the financial institute port to conduct debiting to the user and appropriation to the vendor port, corresponding to the transaction message. Therefore, the user can conduct a business activity, like consuming and purchasing, through the mobile communication device at any time, and can be aware of business messages provided by different vendor ports. In addition, an alliance among different industries at the vendor port, and an interaction between the financial institutes can be facilitated.
... |
| Electronic transaction verification system with biometric authentication | 20110000961 | 20110106 |
| An electronic transaction verification system for use with transaction tokens such as checks, credit cards, debit cards, and smart cards that gathers and transmits information about the transaction token and biometric data. The system preferably has the ability to read or scan transaction and account information printed or encoded on the transaction token, digitally encode biometric data, scan drivers' licenses or other identification cards, and take a signature of a customer, all at a transaction location for purposes of account verification. The electronic transaction verification system preferably digitizes various indicia of the token, such as the magnetic ink (MICR) line on a presented check or the magnetic strip on a credit card or debit card, and transmits the transaction information data to a central processing system,... |
| Medical expenses funding and payment program | 20100332416 | 20101230 |
| A method for funding and paying for medical expenses that are not otherwise covered by an insurance plan, particularly elective medical procedures. The funding and payment program includes a managing organization that assists a consumer with identifying what medical services are available, which medical providers provide those services, the costs of the desired services and the potential funding sources to pay for those services. The managing organization works through the consumer's employer and directs the consumer to participating financial institutions who can loan funds to pay for the medical services and directs the consumer to participating medical providers who have the desired qualifications. The financial institution issues a pre-approved debit card or other payment mechanism to the consumer so the medical provider can be paid as... |
| Diet control method | 20100332333 | 20101230 |
| A device and system which have capability of inhibiting food purchases. The system analyzes proposed food purchases for adherence to a pre-established dietary regimen. If a proposed purchase fails to conform to the dietary regimen, the device may inhibit authorization of payment of funds for the proposed purchase. The device and system may comprise an electronic payment device such as a credit or debit card, or a portable image capture device such as a cellular telephone having camera capability for example. The device may be self-contained or alternatively, may work in conjunction with a remote station, such as a data processing station linked to the device by a communications channel.
... |
| System and method for sending money to a recipient | 20100332334 | 20101230 |
| The invention provides a system and method for sending money, locally or internationally, which method includes the steps of, issuing a sender of money with a virtual (credit or debit) card number and a card expiry date, communicating to the intended recipient of the money the virtual card number and card expiry date, presenting the virtual card number and, optionally, the card expiry date, to any merchant with a point-of-sale terminal that is capable of processing credit and/or debit card transactions, processing a key-entered purchase or cash-back transaction, on the point-of sale terminal by keying in the virtual card number provided by the recipient into the point-of-sale, optionally together with the card expiry date and the amount, processing, also known as authorizing, settling and clearing, with... |
| Methods and apparatus for providing centralized web services for funds transfer system | 20100325021 | 20101223 |
| A method of operating a centralized web services computer system includes providing a standard interface for financial institutions (FIs) and for funds transfer service providers that participate in a remittance system. The centralized web services computer system may also provide services such as integrating its operations into online banking or customer service representative web environments provided by the FIs. The centralized web services computer system may also provide services related to routing messages, looking up territory-related information, checking user information against blacklists, issuing instructions to FIs to debit or credit user accounts, and/or generating reports.
... |
| Method and system for converting credit card rewards points to dollars for medical, dental, and pharmacy expenses | 20100324923 | 20101223 |
| A method for helping a purchaser of goods pay for health care services when the purchaser uses a credit/debit card that enables participation in such a monetary reward program. A credit/debit card reader, at the point of sale, reads the information recorded on the card. The information is sent to a processor of the issuer of the credit/debit card and a data bank is accessed to determine if the purchaser is qualified to receive points based on the dollar amount of the purchase where these points are to be used to pay a portion of a health care provider's bill for services when such an expense is generated by the credit/debit card user. Each qualifying dollar amount spent on the card is assigned a predetermined number... |
| Pyrazolone derivative | 20100324091 | 20101223 |
| wherein R1 to R3 are the same as defined in claims; or an optical isomer, a pharmaceutically acceptable salt thereof, or a hydrate or solvate thereof is provided. The novel pyrazolone derivative according to the present invention has a PAI-1 production inhibitory activity, a tissue fibrosis inhibitory activity, and a fibrolytic activity, and is effective for preventing and/or treating tissue fibrotic diseases (lung fibrosis, kidney fibrosis, etc.) and diseases of which a pathological thrombus becomes the cause, such as ischemic cardiac diseases (cardiac infarction and angina pectoris), atrial thrombus, lung embolism, deep thrombophlebitis, disseminated intravascular clotting, ischemic brain diseases (brain infarction, brain hemorrhage), and arterial sclerosis. In addition, a pharmaceutical agent for preventing and/or treating the disease conditions or the symptoms mediated by plasminogen activator inhibitor-1,... |
| Method, connection and data carrier to perform repeated operations on the key-board of mobile communication device | 20100323617 | 20101223 |
| When processing repeated operations on the keyboard of a mobile communication device, mainly at direct debits, used is a separate data carrier with a memory in which is stored at least one file with a sequence of keyboard orders of a macro type. Data carrier is energetically supplied contact-free by electromagnetic field of the mobile communication device while receiving the requiring order and, according to this order, chooses from the memory and encodes appropriate file with a sequence of keyboard orders. Data carrier sends the encoded file into the mobile communication device which decodes the received file and performs processes representing the keystrokes according to the sequence of keyboard orders. The invention also describes connection and data carrier to perform above described method where the data... |
| Tamper-resistant secure methods, systems and apparatuses for credit and debit transactions | 20100318468 | 20101216 |
| An electronic payment transaction involves operating a gateway device in an electronic payment system to receive first encrypted transaction data from a merchant device, wherein the first encrypted transaction data is encrypted by means of a merchant device-specific encrypting key. Decrypted transaction data is produced by using a merchant device-specific decrypting key to decrypt the first encrypted transaction data. Second encrypted transaction data is derived from the decrypted transaction data, wherein the second encrypted transaction data is encrypted by means of a gateway device-specific encrypting key. The gateway device communicates the second encrypted transaction data to another electronic payment system server. A key transmission block received from the merchant device includes information that enables the gateway device to derive the merchant device-specific decryption key.
... |
| Electronic payment and authentication system with debit and identification data verification and electronic check capabilities | 20100318460 | 20101216 |
| An electronic payment and authentication system that includes features to verify the authenticity of a payer, validate debit data, and facilitate debit (as opposed to credit) payment transactions. The electronic payment system allows a consumer to purchase items and services via a network while utilizing a debit transaction. The invention provides merchants with the ability to verify the identity of the consumer, determine if the consumer is a good debit transaction risk, and retrieve debit data associated with a particular consumer.
... |
| Method and apparatus of wirelessly connecting a first device to a second device | 20100315678 | 20101216 |
| A system and method for wirelessly connecting a first device to a second device utilizing a contactless smart card or RFID tag provided in proximity with the first device, the smart card or RFID tag containing information allowing the first device to be connected to the second device for the purpose of establishing a one way or two way connection between the two devices. The system and method of the present invention also allows information contained in a credit/debit card to be wirelessly transferred into the first device, either directly or indirectly, through the second device.
... |
| Debit purchasing of stored value card for use by and/or delivery to others | 20100312699 | 20101209 |
| A method of issuing a purchase card is provided. The method includes the steps of presenting a purchaser with the opportunity to buy the purchase card, determining whether the purchaser has sufficient funds to pay for the purchase card, creating a purchase card account for a recipient designated by the purchaser, and issuing the purchase card. The purchase card may also be issued in connection with another credit card, for example as a rebate for purchases on the credit card. The purchase card may also be converted to a credit card.
... |
| Coupon card point of service terminal processing | 20100312634 | 20101209 |
| A method of using a point of service terminal (POS) to provide a discount on a purchase is presented. The method includes receiving a portable coupon device associated with a consumer account. Stored in the memory of the portable coupon device is an electronic coupon associated with a sponsor account and which is receivable by a merchant for a discount on a purchase, the discount being debited from the sponsor's account. Also stored in memory is the discount information, which includes identifiers for the sponsor's account, a discount amount, and the purchase eligible for the discount. The discount information is then read from the portable coupon card and a transmission is formed requesting authorization of the electronic coupon. An authorization response is received and, if it... |
| Dual range cellular telephone coupon card generation | 20100312633 | 20101209 |
| A method for use in a payment processing network is provided. The method includes browsing to an Internet website in communication with a web service having a database storing electronic coupons. Each electronic coupon is associated with a sponsor's account and is receivable by a merchant for a discount, where the discount is debited from the sponsor's account and credited to the merchant's. The browser sends the selected electronic coupon and a specification including the rendering capability of the client, the type of portable coupon device, and an identifier for the consumer account associated with the portable coupon device. The browser then receives a rendering image, the memory storage location for the discount information, and the discount information, which includes identifiers for the sponsor account, the... |
| Coupon card generation web service | 20100312632 | 20101209 |
| A method is presented where, at a web service, a selection of an electronic coupon from a database is received from a web browser. The electronic coupon is associated with the account of the electronic coupon sponsor and is receivable by a merchant for a discount which is debited from the sponsor's account and credited to the merchant's account. A specification is then received that includes the rendering capability of the client, a type of portable coupon device associated with a consumer account and acceptable as payment for a future purchase, and an identifier of the consumer account. Next, a rendering image, a location to store the discount information in the memory of the type of the portable coupon device, and the discount information is retrieved... |
| Coupon card kiosk | 20100312631 | 20101209 |
| A method for providing an electronic coupon to a user of a kiosk is disclosed. The method includes receiving, via an input device of a user interface, a selection of an electronic coupon from a database. Each electronic coupon in the database is associated with a sponsor's account and can be used to receive a discount on a purchase from a merchant, where the discount is debited from the sponsor's account and credited to the merchant's. From the database, the kiosk retrieves a rendering image corresponding to the rendering capabilities of the kiosk and a memory location to store the discount information, and the discount information. The discount information includes identifiers for the sponsor's account, the discount amount, and the purchase eligible for the discount. The... |
| Transaction handler merchant reimbursement for consumer transaction use of sponsor discount coupon card | 20100312626 | 20101209 |
| A transaction handler receives, from a merchant's acquirer, an authorization request for a discount to a purchase. The discount is associated with an electronic coupon stored on a portable consumer device. The electronic coupon is associated with a sponsor account issued to a sponsor of a discount and has been received by the merchant to give the discount on a purchase by a consumer. The discount is to be debited from the sponsor account and credited to an account of the merchant. The first authorization request includes the sponsor account and a discount amount. The transaction handler sends the first authorization request to the issuer of the sponsor account, receives a first authorization back, and sends it to the merchant's acquirer. If the first authorization response... |
| Apparatus system and method of payment identification means using pulse and fingerprints | 20100306106 | 20101202 |
| The present invention is in the filed of identification of the human being which charging payment means such as credit card, by his physical appearance, or by e-payment such as telephone call or internet or computerized system or device. More particular, the present invention adding to the debit system an additional system that is to insure that the identity of the user making the payment means is the alleged person whom is the credit card owner for example, this achieved by the invention system that require the finger print data and at the same immediate time the pulse of the finger that attached to the device. That is to be achieved and detect by the system at the same time, when the person put his finger... |
| Method to transfer sales tax in real time from point of sale to a collecting government agency | 20100306071 | 20101202 |
| A method begins when a merchant sells to a retail consumer. The consumer then pays the merchant by credit card or debit card. The terminal of the merchant collects the sales data and transmits the sales data to a processor along with the sales revenue. The processor determines the geographic location of the merchant or the customer and the type of goods and services purchased, and then refers to an electronic table of tax rates by taxing authority. The processor then calculates the appropriate sales taxes and its commission upon a computer system. The processor then divides the sales taxes and commission from the sales revenue from immediate deposit to a collecting government agency and the merchant respectively. The method collects sales data upon the terminal... |
| Method and system for commodity-based currency for payment of accounts | 20100299257 | 20101125 |
| A system and method for permitting gold or other commodities to circulate as currency requires a network of system users that participate in financial transactions where payment is made in units of gold. The gold is kept in secure storage at a deposit site for the benefit of the users. The payments in gold are effected through a computer system having data storage and transaction processing programs that credit or debit the units of account of gold held for the account of each system user.
... |
| Capabilities and options for distributing functionality in an enterprise resource planning system landscape | 20100299229 | 20101125 |
| A system and method for distributing computing operations across multiple systems in an enterprise resource planning system is provided. In an embodiment, notifications are used to exchange information updates between the systems. In an embodiment, notifications containing financial data are sent to an accounting system. The accounting system may extract the financial data from the notification, use accounting logic in the accounting system to associate the financial data with a general ledger account maintained by the accounting system, and post an accounting entry in a financial document to properly credit and/or debit the account.
... |
| Systems and methods for implementing financial transactions | 20100299195 | 20101125 |
| A payment processing system to provide merchant-specific accounts to consumers that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a variety of payment methodologies for purchases, such as pay-as-you-go, virtual prepaid, virtual subscription, and post-paid purchases. The merchant may, in some embodiments provide consumers with merchant rewards accounts and an opportunity to earn reward points or other loyalty-based currencies through qualifying purchase transactions. The consumer may access their merchant-specific accounts for purchase payment using a preferred payment instrument, such as a credit or debit card.
... |
| Verification of portable consumer devices | 20100293189 | 20101118 |
| Embodiments of the invention are directed to methods, systems, and computer program products pertaining to obtaining, providing, and using dynamic card verification values for portable consumer devices, such as credit cards and debit cards. An exemplary method comprises receiving, at a server, a request for a device verification value for a portable consumer device associated with a user; obtaining, at the server, a datum indicative of a device verification value for a portable consumer device; and sending, from the server, the datum to at least one of a phone number or network address of a personal communication device associated with the user.
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| Tax refund system | 20100293079 | 20101118 |
| A tax refund system is disclosed in which in exchange for a taxpayer assigning all or a portion of his or her tax refund, a participating provider provides to the taxpayer a spending vehicle with buying power at participating outlets. Tax return data for an individual's tax return is processed by the IRS. A taxpayer consents to using a portion of the tax return data to acquire a spending vehicle from a financial institution of the taxpayer's choosing. Using a portion of the tax return data, the IRS arranges to electronically transfer an amount related to the taxpayer's refund to an account at the financial institution selected by the taxpayer. A taxpayer then receives a spending vehicle such as a credit, debit, or cash card, spending... |
| System and method for paying a merchant using a cellular telephone account | 20100293065 | 20101118 |
| 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.
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| Systems and methods for controlling payment and information flows in payment-by card networks | 20100288834 | 20101118 |
| A system and method for processing payment transactions made in the commerce using diverse payment device types. A centralized transaction processing platform is integrated with a standard payment-by-card industry network to process transactions made using different payment device types in the same manner as a conventional credit or debit card transaction. A single platform can provide a range of secure, flexible physical and virtual world payment solutions for all devices types including physical and virtual cards, RFID, mobile, etc.
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| Method and apparatus for mapping sources and uses of consumer funds | 20090327127 | 20091231 |
| A bill-paying system includes a customer deposit account which receives periodic payroll deposits of an individual or a couple. A bill-paying service enrolls the individual or couple for a fee, and is authorized to transfer money from the deposit account to the accounts of various creditors. An originating depository financial institution, such as a bank, handles the transfers of money, and such transfers are preferably done electronically. The automated clearing house (ACH) network supports such electronic money transfers. The various bills and debts of the individual or couple come due at times that are asynchronous to their income structure. The bill-paying service is authorized to debit the deposit account for more than the basic minimums due the creditors each month. Such excess is used to accelerate... |
| Non-optical mobile electronic transaction system, device and method therefor | 20090327086 | 20091231 |
| Disclosed herein is a non-optical system, device and method for conducting electronic transactions utilizing a wireless communications device adapted to receive a transaction program and data. The device comprises memory storage for storing a transaction program, a microprocessor and a transponder chip. The microprocessor executes instructions contained within the transaction program to program a code segment on the transponder chip. The transponder chip transmits a signal representative of value upon detection of an activation signal. As disclosed herein, value is selected from the group consisting an identifier of a purchased good, an identifier of a purchased service, a coupon, a discount, a prepaid transaction, an electronic negotiable instrument, a sum from a credit account, and a sum from a debit account. The signal representative of value... |
| Revenue sharing system that incentivizes content providers and registered users and includes payment processing | 20090327057 | 20091231 |
| The computer-based method and system shares revenue with a content provider and registered users. A web page has supplied electronic content and ads with displays and hyperlinks to a corresponding advertiser designated web site. Associated sales referral fees are tracked based upon user click throughs. The content provider is incentivized because the system shares the associated sales referral fees with him based upon factors such as frequency of posting content, quality rankings by users, gross value referral fees, and page user-visitors. Registered user-visitors are incentivized by providing each with N quality ranking tokens and by sharing the referral fees with users who post tokens on content. The QA ranking formula accounts for the quantity of posted tokens, the sequential order of posting, the number of user-visitors,... |
| Global identity protector e-commerce payment code certified processing system | 20090326972 | 20091231 |
| An identity theft protection system and method which employs several security features to prevent identity theft on all levels. The system employs a member's address and telephone number as a Global Identity Protector, security code and lock for social security numbers, to prevent the issuing of identity theft debit or credit cards, online and over the telephone, and mail. The locking address also prevents account hijacking, preventing checks and credit cards from being mailed to identity thieves. The address blocks fraud on anything that is mailed. The system employs a computer generated photo copy of the member's ID or drivers license, to prevent fraud on all big, and small ticket items, and preventing identity theft bank fraud on checking accounts and medical records. The system protects... |
| Methods and systems for verifying customer supplied financial account information verification using debit and credit transactions | 20090319426 | 20091224 |
| 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 a first statement descriptor, as part of at least one of the electronic debit transaction and the electronic credit transaction, that includes a first verification code. The method also includes electronically receiving, from the customer, a second verification code, and comparing, by the computer system, the transmitted first verification code with the received second verification code with respect to each other. The method also includes verifying, by the computer system, the customer supplied financial account... |
| Incentive program | 20090319423 | 20091224 |
| An incentive program is described that rewards the participants of the program based on the actions of at least something other than the participants. The incentive program may be used with a cardholder account and a currency card operable to debit the cardholder account, with the participants of the incentive program being the cardholders. The incentive program is operable to receive one or more picks of something other than the cardholder from the cardholder, determine the amount of rewards owed to the cardholder based on the performance of the one or more pick, deposit the determined amount of rewards into the cardholder account, and convert at least a portion of the rewards in the cardholder account into one or more additional picks of something other than... |
| Systems and methods for efficient bill payment | 20090319406 | 20091224 |
| A method for bill payment is disclosed. In one embodiment, the method includes receiving information identifying an invoicing party, specifying an amount owed to the invoicing party; and an account identifier associated with a prepaid debit card, submitting the invoicing party identification, the amount owed to the invoicing party, and the account identifier to a service provider, and collecting a convenience fee.
... |
| Goods/information distribution method by an atm terminal without using a debit/credit card | 20090319360 | 20091224 |
| making said goods/information available to said first user, on behalf of said ATM terminal.
... |
| Secure transfer of online privileges including non-financial options | 20090318221 | 20091224 |
| A method of transferring online privileges, comprising: receiving a request for a payment including one or more non-financial items; debiting the one or more non-financial items from a second account; and crediting the one or more non-financial items to a first account, wherein the first account and the second account are accounts residing in a points server.
... |
| System and method for authorizing financial transactions with online merchants | 20090313168 | 20091217 |
| A system for authorizing a financial transaction of a financial presentation device such as a credit or debit card being presented from a customer to an online merchant. The system includes a peripheral device having a processor configured to generate a dynamic verification value for the card which changes for each financial transaction, and to transmit the dynamic verification value to a user computer via an I/O interface during an online transaction. The system also includes an authentication computer having a memory for storing information used to generate a comparison verification value, a communication device for receiving the dynamic verification value originating from the peripheral device, a processor and an authentication module executable by the processor adapted to generate the comparison verification value using information stored... |
| Adaptive daily spending limits | 20090313156 | 20091217 |
| A computer-implemented system and method are provided for adapting the spending limit of a debit instrument in a networked computer system, particularly a daily spending limit. The method comprises determining or receiving notification of whether an electronic request to approve a debit instrument transaction was declined for exceeding a withdrawl limit or a spending limit, determining transactional risk associated with the debit instrument transaction using computer-implemented criteria, and adapting the spending limit of the debit instrument after the determination of transactional risk. Computer-implemented criteria are used to assess the transactional risk associated with a particular debit instrument transaction.
... |
| Allocating carbon offsets for printing tasks | 20090313145 | 20091217 |
| Methods, services, program products and devices are provided for correlating carbon offsetting and printing. Methods comprise a requester initiating a print job on a printing device; analyzing the print job; identifying at least one print job metric relevant to the print job as a function of the analyzing, the metric associated with a carbon offset value; calculating a total amount of carbon offset from the identified at least one metric; printing the print job; and transferring the carbon offset total amount to a carbon offsetting entity for debiting or crediting against a printing entity as a function of the printing. Systems and devices and articles of manufacture comprising a computer usable medium having a computer readable program in said medium are provided. Service methods comprise deploying... |
| System and method for offering and fulfilling situation-based, location specific rewards and offers to mobile-oriented consumers | 20090313109 | 20091217 |
| A system, method and computer-readable medium are disclosed for advertising and completing a transaction using a credit card or a debit card. The method includes receiving situation information at a device, based on the situation information, transmitting an advertisement to the device, associating an advertisement with an identification card such as a debit card, credit card, student ID card, biometric data, or club card, and receiving an indication of a purchase associated with the advertisement and completed using the card. The disclosure enables a user to receive an advertisement on a device such as a mobile device and then make a purchase decision based on that advertisement in a normal fashion or transparent to the user and sales clerk, without the use of coupons, special codes... |
| Universal discount chip (udc) | 20090313107 | 20091217 |
| A Universal Discount Chip (UDC) is a coding devise placed upon a credit card or a debit card offered by an issuing bank and enabling the card holder to obtain discounts from any and all participating manufacturers, retailers or (hereinafter referred to as “Merchants”) by presenting and scanning the card with the UDC at the point of sale. The issuing bank would collect the necessary data including the name and address of the Merchant, the terms and conditions of the discount. After collecting the data, the issuing bank would apply the discount and reduce the overall amount of the sales transaction. The UDC could be placed on all types of debit or credit cards, including retail store credit cards. The issuing bank would be paid a... |
| Method for blocking roaming-steering mechanisms | 20090312015 | 20091217 |
| The invention relates to a method for blocking roaming steering mechanisms. According to said method, a foreign cellular device (3), e.g. a cellular telephone, is registered with nationally visited radio network (2) when the foreign (1) and the national cellular network operator have concluded a roaming agreement on mutually debiting cellular services. The invention is characterized in that an anti-roaming steering server (5) installed in the nationally visited cellular network (2) identifies manipulated error messages (14) and selectively manipulates the registration process (8) of foreign mobile users by adequately influencing signaling processes.
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| System for managing and facilitating financial transactions locally or remotely made | 20090307103 | 20091210 |
| A financial managing and facilitating system, to be used between a registered shopkeeper or service supplier and a registered customer, using modern information technology. The system allowing a registered customer be asked to approve (or to refuse) an ongoing transaction, even if such operation is being made by a third person duly authorized by the registered customer. The system presents a simplified architecture, being based in three main elements: (1) a customer with or without an authorized dependent; a payment central, such as a credit or debit central managing financial institution; and (3) a registered shopkeeper/service supplier.
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| Systems and methods for implementing the structuring, pricing, quotation, and trading of spot synthetics (spots), spread instruments (sprints), sprints based on spots, ratio derivatives (rads), rads based on spots, and options based on these instruments | 20090299894 | 20091203 |
| An exchange-traded financial instrument having a price that tracks an underlying benchmark, the underlying benchmark being a security or commodity that is itself traded. A contract for the financial instrument between a buyer and seller is not contingent upon the delivery of the underlying benchmark. A net carrying charge (credit or debit), defined as the difference between the investment yield of the underlying benchmark and a cost of financing ownership of the underlying benchmark using the generally accepted industry standard financing rate for that benchmark, is credited or debited, accrued, or built into the price of the derivative for both buyer and seller of the financial instrument, typically nightly. In one embodiment, the underlying benchmark is a U.S. Treasury security, and preferably a specific U.S. Treasury... |
| System and method for processing transactions without providing account information to a payee | 20090298427 | 20091203 |
| Processing financial transactions. without providing information associated with a financial account of a purchaser to the payee of the transaction. A financial institution (card issuer) holding the account can provide a financial account, such as a credit or debit card account to the purchaser (card holder). The card holder can set up a payment option corresponding to this account at a mobile gateway computing system. Instead of presenting the card to a merchant, the card holder can access a payment application executing on a mobile device to select the payment option and extract transaction information from a merchant point of sale. This transaction information can be transmitted to the mobile gateway computing system along with payment option information. The mobile gateway computing system can add account... |
| Method and system for automatically issuing digital merchant based online payment card | 20090292642 | 20091126 |
| An online payment card is a digital form card derived from a credit/debit card or bank account of a customer. A central service provider issues the online payment card electronically to a registered merchant system under the authorization of the owner of the ordinary credhVdebit or bank account. The central service provider maintains the association of the online payment card with the ordinary credit/debit card or bank account of the customer, and the identity of the merchant that the payment is issued to. The merchant handles the online payment card in the same manner as ordinary card. When the merchant submits a request for authorization, the central service provider verifies if the online payment card is associated with the merchant who submits the authorization request. If... |
| Collectable gift cards | 20090289123 | 20091126 |
| A collectable gift card having a primary monetary value acceptable as legal tender for economic transactions and a secondary value providing a non-cash economic benefit to a consumer enhances the overall value of the card to both merchant and consumer. The primary value of the collectable gift card may be implemented through a standard gift card architecture or through other cash equivalent instruments such as credit cards, debit cards, cash cards or the like. The secondary value of the collectable gift card may be embodied as a gaming card for board games or other games of chance, or one card of a collectable set of cards, or as a puzzle piece forming a valuable image or game board. The collectable gift card may be a tangible... |
| Cash dispensing automated banking machine with flexible display | 20090289105 | 20091126 |
| A portable terminal operates to cause financial transfers responsive to data read from data bearing records in the form of user cards. The user cards include credit and/or debit cards. Data corresponding to the card data is stored in at least one memory of the terminal. The terminal includes a wireless communication device. The terminal operates to wirelessly communicate data corresponding to card data wirelessly to one or more remote computers to cause financial transfers to or from selected accounts. The terminal also operates to provide outputs corresponding to account balances and to receive data corresponding to receipts.
... |
| Charging station for electric and plug-in hybrid vehicles | 20090287578 | 20091119 |
| This invention is a pay charging station for electric and plugin hybrid vehicles. A vehicle parks at a space with the charging station and uses a credit card, debit card, cash, smart card or network connection to a database like EZ-Pass to pay for the space and the electricity. The station automatically charges the vehicle as long as it is connected to the station. The station automatically stops charging when the vehicle is fully charged. The customer only pays for the space and the electricity consumed. If the charging circuit is broken the customer must reinsert the smart card or credit card to restart charging. Sufficient funds are removed from the payment method on initiation of charging. Any money not used for charging is returned to... |
| Anonymous merchant-customer loyalty rewards program | 20090287562 | 20091119 |
| A system of and method for rewarding an anonymous merchant-customer for performing multiple debit transactions on a defined set of merchant debit-machines comprises receiving data associated with a discrete one of the multiple debit transactions, generating and updating data associated with the anonymous customer without having the anonymous customer provide personally identifiable information, determining whether to reward the anonymous customer for performing one or more debit transactions, and if so, rewarding the anonymous customer. The method may be implemented on or by one or more merchant debit machines (e.g., automated teller machines (ATMs) and point-of-sale (POS) terminals), remote processors, financial institutions, general-purpose computers, or special-purpose computers.
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| System and method for forming debit card using improved print cylinder mechanism | 20090282994 | 20091119 |
| A flexographic printing station prints at least one print stripe of opaque scratch-off coating onto the surface of the card over a PIN as a card member is advanced into a printing station. A print cylinder has a circumferential printing surface that engages an Anilox metering roll and receives the scratch-off coating therefrom and transfers the scratch-off coating from the printing surface onto the surface of the debit card. A controller controls movement of the print cylinder via a mounting mechanism into and out of engagement with the surface of the debit card at a predetermined location and for a predetermined length of time to apply at least one print stripe of predetermined length onto the surface of the debit card based on the length of... |
| Systems and methods for secure debit payment | 20090281944 | 20091112 |
| 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 with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the PIN debit child product. The PIN debit child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.
... |
| Systems and methods for collecting bonds and fines for warrants and traffic tickets | 20090281943 | 20091112 |
| Systems and methods are provided that allow law officers to carry out financial transactions with individuals having outstanding warrants who might otherwise be arrested. The system includes a wireless (typically cellular based) credit card/debit card transaction unit carried by the law officer during the process of serving the warrant, or during a traffic stop, wherein an outstanding warrant is identified. The system further includes a wide area network (Internet) connection that facilitates record keeping functionality associated with the posting of the bond or payment of the fine by the individual being addressed by the law officer. The appropriate financial transaction computer systems convey payment or posting of the bond to a database associated with the police station or the like. Likewise, wide area network (Internet) connections... |
| Flexible repeatable affiliated consumer business method | 20090281883 | 20091112 |
| The present invention is directed to a flexible affiliated consumer association business method that allows consumers to enjoy enhanced buying power with a variety of merchants while at the same time enabling merchants and other groups and institutions such as employers or associations of such consumers to establish flexible repeatable loyalty programs in a cost-efficient manner. A flexible repeatable affiliated consumer method having components which allow a provider to create customizable customer loyalty programs with greater flexibility and creativity while also being modifiable in the market environment in a manner that the program provider can design or alter the program or provide multiple tailored programs as needed to attract consumers to give custom at participating merchants. The flexible repeatable affiliated consumer method can include indicia of... |
| Credit card protection system | 20090278660 | 20091112 |
| The present invention provides positive protection for the machine readable credit card, debit card, etc., against theft by eliminating the presence of visible identifying and correlating information on the credit card or debit card itself until the card is activated by a wireless biometric verification system. The preferred mode of verification includes fingerprint data from the user.
... |
| Systems and methods for secure debit payment | 20090281944 | 20091112 |
| 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 with the financial institution. The payment processing platform receives a user selection of a core account held with the financial institution, such that the core account provides financial backing for the PIN debit child product. The PIN debit child product is generated that includes a child card number and a virtual PIN associated with the core account. Advantageously, the method provides the ability to make PIN debit transaction on the Internet.
... |
| Systems and methods for collecting bonds and fines for warrants and traffic tickets | 20090281943 | 20091112 |
| Systems and methods are provided that allow law officers to carry out financial transactions with individuals having outstanding warrants who might otherwise be arrested. The system includes a wireless (typically cellular based) credit card/debit card transaction unit carried by the law officer during the process of serving the warrant, or during a traffic stop, wherein an outstanding warrant is identified. The system further includes a wide area network (Internet) connection that facilitates record keeping functionality associated with the posting of the bond or payment of the fine by the individual being addressed by the law officer. The appropriate financial transaction computer systems convey payment or posting of the bond to a database associated with the police station or the like. Likewise, wide area network (Internet) connections... |
| Reward system and method for online credit and debit card transactions | 20080319838 | 20081225 |
| A reward system and method including a card issuing institution that issues debit or credit cards to cardholders. Each cardholder has a cash back account set up by the institution and a cash back program provided by said institution rewards its cardholders with a predetermined cash value dependent on the cardholder's usage of the credit or debit card used by the cardholder and depositing said cash value in the cardholder's cash back account. The institution provides the identity of at least one supplier and each cardholder has online access to said supplier so that the cardholder can purchase goods or services from the supplier upon accumulation of a predetermined amount of cash in the cardholder's cash back program. The institution provides an online clearing program for... |
| Reward system and method for online credit and debit card transactions | 20080319854 | 20081225 |
| A reward system and method including a card issuing institution that issues debit or credit cards to cardholders. Each cardholder has a cash back account set up by the institution and a cash back program provided by said institution rewards its cardholders with a predetermined cash value dependent on the cardholder's usage of the credit or debit card used by the cardholder and depositing said cash value in the cardholder's cash back account. The institution provides the identity of at least one supplier and each cardholder has online access to said supplier so that the cardholder can purchase goods or services from the supplier upon accumulation of a predetermined amount of cash in the cardholder's cash back program. The institution provides an online clearing program for... |
| System, computer program and method for processing presentment and adjustment information to institutions participating in a regional or national clearing house | 20080319880 | 20081225 |
| A system, computer program and method for adjusting debits and credits received from participating institutions are provided. The system includes a plurality of remote computers of participating institutions, a central server, a network interface in communication with the clearing house computer and the plurality of remote computers over a network, and a database in communication with the central server. The network interface is configured to receive a plurality of presentment data from a first computer of the plurality of remote computers of participating institutions. Each of the plurality of presentment data including one or more debit or credit items each having a presentment amount. The central server is configured to store in the database the plurality of presentment data, receive, from a second computer of the... |
| System and method for reducing riks associated with accepting a financial instrument | 20080312998 | 20081218 |
| A system and method for verifying a financial instrument or a user's authorization to use a financial instrument. The system initiates one or more verifying transactions involving the instrument, with details that may vary from one transaction to another, such as the type of transaction (e.g., deposit, credit, debit), amount of the transaction, number of transactions, the merchant or vendor name or account for the transaction, and so on. Selected details, particularly variable ones are saved in the system. The user accesses information regarding the transaction, by accessing it on-line, via telephone, in a monthly statement, etc. The user then submits the requested details to the system, which compares them to the stored details. If they correspond, then the user may be allowed to use the... |
| System and method for coordinating charitable contributions | 20080313077 | 20081218 |
| A system and method allows charitable organizations through banking partners to calculate, collect and distribute monetary donations provided by financial institutions based on those institution's credit or debit cardholders who have opted to make monetary donations to beneficiaries based on their card usage. The process of making monetary donations by individuals who wish to make such donations is thereby automated and simplified, thus encouraging frequent donations. A donation amount is a simple to understand fixed amount times the aggregate number of transactions made using the card.
... |
| Digital content royalty management system and method | 20080313084 | 20081218 |
| A system and method manages the royalties for owners of digital content when processed or output by a user. A control module on a user device decodes information in a watermark embedded in a digital file and restricts output of the digital file based on the decoded information. The control module obtains charge-back information from the user and sends it to a remote managing account payment module for verification. With the information verified, the account payment module sends access information to the user device that permits the digital file to be output. After output, the control module sends information about the output to the account payment module, which debits funds from the user's account and credits the digital file owner's account based on the output of... |
| System and method of enabling power output from a power pedestal | 20080304212 | 20081211 |
| A system enables power output from a power pedestal. The system includes a number of power pedestals, a card reader structured to receive credit or debit card information from a credit or debit card, and a first interface to another system structured to approve a transaction based upon the credit or debit card information. A processor cooperates with the card reader and the first interface to initiate and receive approval of the transaction from the other system. A user interface device cooperates with the processor to input a time duration to power one of the number of power pedestals responsive to the received approval. A second interface to the number of power pedestals cooperates with the processor and is structured to enable power output from such... |
| Method and system for business card functioning as a prepaid debit card or gift card | 20080301020 | 20081204 |
| A novel approach enables a customized smart business card that combines key features of a business card and a debit/gift card. The card not only carries information about a provider (a person and/or a business corporation who provides the card as a gift to the receiver), the card also functions as a prepaid/gift card, enabling the recipient of the card to purchase a product or service using the money/credit provided.
... |
| System and methods for managing debit card account settings | 20080301043 | 20081204 |
| A method includes receiving, from a remotely located computer, information identifying a durational spending limit corresponding to a debit card used by a bank customer, and causing an authorization request to be declined responsive to the durational spending limit and to an amount spent via the debit card during a time period corresponding to the durational spending limit.
... |
| Flow control protocol | 20080301706 | 20081204 |
| A method and apparatus for processing message is described. In one embodiment, an application programming interface is configured for receiving and sending messages. A message credit account of a sender is maintained. The message credit account of the sender is debited when a message is received from the sender to a receiver. The message credit account of the sender is credited when a replenishment message is sent to the sender in response to the receiver processing the received message. The sender is prevented from sending any messages to the receiver when a balance in the message credit account of the sender becomes negative.
... |
| Travel service aggregator | 20080294469 | 20081127 |
| The subject matter of this specification can be embodied in, among other things, a system that includes a user interface to receive an electronic status change for an airline flight and an airline reservation system to determine whether at least one ancillary travel service associated with the airline flight should be modified based on the received electronic status change. The system includes a messaging interface to electronically transmit a request to modify the at least one ancillary travel service based on the electronic status change if the determination is made to modify the at least one ancillary travel service. The messaging interface further electronically transmits payment information to the travel service provider for use in crediting or debiting a payment associated with the at least one... |
| Systems and methods for implementing debit card account restrictions | 20080283594 | 20081120 |
| A method includes receiving from a remotely located computer information identifying at least one purchase category, wherein the information is transmitted by the computer responsive to user input provided to the computer by a bank customer having a debit card account with a bank; after receiving the information identifying the at least one purchase category, receiving an authorization request for a transaction corresponding to the debit card account; and causing the authorization request to be declined responsive to the at least one purchase category.
... |
| Incentive system for gaming player tracking | 20080287187 | 20081120 |
| An incentive method is provided for encouraging use of a credit or debit card sponsored by, or affiliated with, a first vendor having consumer offerings, such as a casino offering gambling on games of chance, food, lodging, or other goods or services. The method includes offering the card to a person, such as a casino patron, tracking transactions on the card after acceptance by the person, including transactions for consumer offerings purchased from a second vendor, and rewarding second vendor transactions with a discount on a consumer offering purchased from the first vendor. An incentive system is provided for rewarding casino patrons who enroll in a tracking system which monitors various player characteristics. These monitored characteristics are used to assign a player rating which is used... |
| Computer apparatus and method for performing financial transaction processing | 20080288296 | 20081120 |
| A computer apparatus for performing financial transaction processing on a plurality of accounts is disclosed. The computer apparatus comprises a data storage device having a plurality of account files, with each account file storing data relating to a particular account; a data processor for processing data relating to the account files; an input for receiving data relating to the account files and an output for outputting data relating to the account files. The input is arranged to receive data relating to debits and credits for particular account files which are processed by the data processor and stored in the corresponding account files on the data storage device. The data processor is arranged such that an account holder may have the file for their account on the... |
| System for automatic financial transaction notifications over wireless network or other network | 20080288384 | 20081120 |
| In a method and system for automatically notifying a user when financial transactions (e.g., debit card transactions and credit card transactions) are carried out in association with the user's credit card or other financial account, each time a financial transaction is completed, a notification message is generated and transmitted to a user-designated terminal. Examples include transmitting e-mails, other text messages, or audio messages to the user's home computer terminal or mobile phone or other wireless unit. The notification message contains information identifying the user account and specifying the nature of the transaction, such as monetary amount, time of day and date, and where the transaction occurred. The notification is generated and transmitted substantially immediately after the transaction is completed. This way, a user is informed of... |
| Commercial self-service electronic cash transfer transaction system "person to person debit transfer system" | 20080288401 | 20081120 |
| Disclosed is a system for transferring funds from ATM to ATM by performing a Debit Transfer transaction. The system provides the consumer with an alternative service for making a money transfer. Today, there is no commercial self-service electronic process in the market that enables the consumer to perform a money transfer transaction electronically directly from ATM to ATM. With Person-to-Person Debit Transfer System money can be sent from an ATM by a Cardholder and the recipient being an “unbanked” customer can pick up the funds without any type of credit card. The present invention provides a method for quick cash for emergencies for family members, business associates, students and “unbanked” customers.
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| Method and apparatus for mobile based access point name (apn) selection | 20080273488 | 20081106 |
| A procedure is provided wherein a serving general packet radio service (GPRS) support node (SGSN) receives a request for an access point name (APN) the SGSN making a determination if the requested packet data protocol (PDP) and APN are the same as subscribed information. In the event that the requested and subscribed PDP type and the requested and subscribed APN are not the same, the SGSN advises that the APN requested is not authorized and agreement to terms and conditions and the provision of credit (or debit) card information must be provided to obtain the requested APN.
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| Method and apparatus for controlling rented or leased or loaned equipment | 20080275591 | 20081106 |
| A method and apparatus relating to the renting, leasing and/or loaning of electronic equipment operable and/or controllable by a computer, wherein one entity not in physical possession and/or control of the equipment desires control over another entity which has physical possession and/or control of the equipment. Such equipment may comprise a washing machine, medical, office or industrial equipment, a vending machine, etc. A central computer system includes software which enables management and execution of financial transactions between the entities, such as debiting or crediting of accounts held by these or other entities, or creating an invoice for one entity to present to another entity. Information used in making these financial transactions can be determined by analysis of information which may be communicated to the central computer... |
| Merchant transaction based advertising | 20080275771 | 20081106 |
| Methods and systems are disclosed for producing advertisements on a transaction record for a transaction between a consumer and a merchant involving the use of a portable consumer device such as a credit or debit card. Advertisers may specify criteria so that the advertisements are specifically targeted.
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| System and a method for facilitating paying for a parking permit in a selected one of one or more pay-for-parking zones | 20080265016 | 20081030 |
| A system (1) for issuing parking permits in pay-for-parking zones, for example, permits for short-term street parking in local authority areas comprises a central control terminal (2) which controls operation of the system. Clients wishing to avail of the system (1) obtain a visual display device (3) for mounting in his or her motor vehicle for displaying the expiry time of the parking permit, and register with the system (1). The central control terminal (2) is controlled by a computer (7) and each client of the system is identified by his or her mobile telephone number, which is cross-referenced with an address code of the visual display device (3) in an ID memory (8) of the central control terminal (2). Each client of the system, in... |
| Global electronic payment system | 20080270246 | 20081030 |
| A global payment system supports real time payments by a first party to a second party via an electronic interface using any of a plurality of input devices. First party identifying information and information relating to the requested transaction desired by the first party is entered into the system via the selected input device for accessing the payment system. The information is verified and the funds are transferred to a dedicated account for a second party per the instructions received from the first party. The global payment system is a financial transaction system permitting the identified first party to use any of a variety of payment options to complete the transaction without requiring the second party to pre-approve the method of payment. The system is compatible... |
| System and method for facilitating mobile commerce | 20080270251 | 20081030 |
| A system and method for facilitating the purchase of goods and/or services between the holder of a wireless communications device and a commerce system is disclosed. The system enables consumers who wish to participate in promotional sales offers to register with a mobile commerce system. Consumers may further define the types of items that they are interested in purchasing. Prior to the start of a promotion, the system sends a text message alert to registered consumers, giving them an opportunity to opt-in via text message from a wireless communications device. When the promotion is activated, the opted-in consumers are alerted via text message and are given an opportunity to send a text message back to the system indicative of a desire to purchase the promotional item.... |
| Delivery systems and methods involving verification of a payment card from a handheld device | 20080270261 | 20081030 |
| The present invention relates generally to systems and methods that facilitate the prevention of fraud occurring in connection with credit cards, debit cards, smart cards and other payment cards that are used in transactions involving goods sold by a seller, delivered by a shipper, and purchased by a buyer. Specifically, the present invention provides systems and methods that allow for physical verification of a payment card (e.g., credit card) upon delivery of goods that are purchased in the context of a remote transaction between a buyer and a seller, including, for example, goods that are ordered via phone, mail order, fax or the Internet.
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| System and method for transferring credit between mobile phone subscribers | 20080261558 | 20081023 |
| A system (10) for transferring credit between mobile phone subscribers (12) comprising: a telecommunications carrier (16), the telecommunications carrier (16) having a billing system (22); mobile phone subscribers (12), each mobile phone subscriber (12) possessing a mobile phone (18) that communicates using a mobile phone network (20) operated by the telecommunications carrier (16) and thereby having an account (28) with the telecommunication carrier's (16) billing system (22); and a facilitator (14), where a first subscriber (12a) sends a communication message (26) using their mobile phone (18), including identification details of a second subscriber (12b), to a shortcode (24) associated with the facilitator (14) and the facilitator (14), in response to the communication message (26), operates to debit at least an amount associated with the shortcode (24)... |
| Roaming method with call announcement | 20080254764 | 20081016 |
| A method is disclosed for completing a roaming cellular call between a roaming subscriber and another party. The first step is initiating the roaming call between the roaming subscriber and the another party. The roaming subscriber is provided with a prepaid debit account. The roaming subscriber is then connected to a cellular network when a connection between the subscriber and the another party is to be made such that a call has been built over a calling network. The prepaid debit account of the roaming subscriber is then examined to determine the balance thereof, and then the roaming subscriber is informed of financial information regarding the call connection prior to connecting the roaming subscriber to the another party over the already built call.
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| Gaming device having increasing odds of winning | 20080254848 | 20081016 |
| A gaming device having increased odds of winning includes a currency receiving device, a processor and associated memory in communication with the currency receiving device, and at least one information display device for displaying additional wagering information to a player. The currency receiving device is configured to receive and determine an amount of a wager deposited into the gaming device and to communicate this information to the processor. The processor contains internal source code to determine whether enough money has been inserted to continue play and if it has, it also controls game playing parameters for winning a predetermined jackpot. The jackpot consists of currency, casino chips or tokens, a debit card having an equivalent currency amount, or a printed, redeemable receipt that a player must... |
| Mobile payment and accounting system with integrated user defined credit and security matrixes | 20080255993 | 20081016 |
| A platform that accommodates financial transactions and is accessible via mobile phone networks, Internet and traditional methods is linked to user defined credit and security matrixes. Credit risk tolerance factors consider the qualifications, characteristics, and profile of counterparties. Security risk tolerance factors consider the user's willingness to use a particular financial platform in an environment where abuse, fraud, theft, and other security factors are of concern. In both cases the user creates matrixes that describe risk tolerance and financial transactions must successfully pass through the filters designed by the user. The system can be used alone or linked to bank accounts, credit and debit accounts, etc. This provides a higher level of security and risk control in a mobile or Web-based environment. By giving customers way... |
| Handheld electronic personal financial money manager and spending tracker | 20080245854 | 20081009 |
| A device for aiding in the tracking and calculation of personal financial transactions is disclosed. The device is preferably pocket sized, portable and provides finger-tip access to allow the user to concentrate on managing the user's financial transactions and achieving financial goals with minimum effort. The device includes a central processing unit (CPU) that runs database software that stores information about the user's financial accounts, financial transaction histories, budgets, plans and goals. The CPU directs the device to visually present information about, including analytical information about, these financial categories. The present invention assists the user in tracking and recording their daily money inflows and outflows (e.g., via ATM or teller deposits and withdrawals, actual cash usage, debit card transactions, check writing activities). The device also allows... |
| Universal collection and support column for diverse electronic candle arrays | 20080247180 | 20081009 |
| A column alternatively supports one of a plurality of arrays of different pluralities candles in different configurations. A plurality of donation or payment mechanisms are mounted on the column for alternative modes of receiving diverse monetary transactions elements, such as cash, credit card and debit card, with resultant automated actuation of the at least one of the electronic candles upon receipt of one of the monetary transaction elements. The column includes jimmy-proof, pilfer-proof and tamper-proof features for securing cash collected in an authorized accessibly collection box. A replaceable paperboard collection box is removably disposed in the secured column.
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| Method of settling commercial indebtedness | 20080249848 | 20081009 |
| A method whereby vendors and purchasers settle invoices and account for sales taxes, integrated with the drawing, accepting, guaranteeing, endorsing, discounting, presenting, and cash settlement of electronic bills of exchange in all traded currencies (Ebill). Ebills are activated automatically as a direct consequence of the approval of one or more invoices for payment. Acceptance is against a guarantee with a managed credit risk limit or endorsed Ebills. Settlement is also activated by matching a purchase order to a goods received or delivery note or bill of lading. A single instance of each invoice and Ebill is held for all functions required by vendors, purchasers, risk managers, Ebill traders, discounters, guarantors and banks. Trading accounts are represented by a single ledger instance with automated updating of their... |
| Financial presentation instruments with integrated holder and methods for use | 20070295821 | 20071227 |
| The present invention provides improved apparatus, methods, and systems for displaying and packaging financial presentation instruments, particularly stored value, gift, or other pre-paid debit cards. In one embodiment of the present invention, a method for displaying a financial presentation instrument with an integrated holder is provided. The method comprises providing a data card having an information storage medium and an aperture therethrough. The data card is then suspended from a display hook through the at least one aperture. Hence, the present invention advantageously allows for convenient displaying and easy access to the data card for activation at the time the card is purchased by a consumer. Further, the integrated holder on the data card decreases the operating costs and increases the efficiency for selling such debit... |
| Method and system for distribution of unactivated bank account cards | 20070299756 | 20071227 |
| 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 pre-assigned bank account number, and which only requires activation/approval by the prospective new bank account customer. In one embodiment, the dead bank card is distributed in connection with live credit cards issued to applicants for credit card accounts. Once operative, the bank card and the credit card may be linked together through a rebate/rewards program.
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| Systems and methods for associating a second source of funds with an electronic check transaction | 20070299775 | 20071227 |
| A system automatically determines authorization and payment from a checking account of a financial transaction occurring through the presentation of a check card. For a proposed financial transaction of a customer from a merchant having a membership program, the system obtains an indication that the customer is a member of the merchant's membership program. The system determines an indication of risk for the transaction, based at least in part on the indication that the customer is a member of the merchant's membership program. The financial transaction is authorized when the indication of risk is within at least one parameter. A secondary source of funds is debited if the financial transaction from the checking account fails.
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| System, method, and apparatus for preventing identity fraud associated with payment and identity cards | 20070291995 | 20071220 |
| The system, method, and apparatus of the present invention, address the problem of identity theft associated with the use of payment cards such as credit and debit cards, as well as identity theft associated with the use of identity cards such as driver's licenses and social security cards. An apparatus including a biometric input component that authenticates a system user is disclosed herein. Upon authentication, a proxy account number and a time varying security code are generated and displayed on the apparatus. The dynamically generated number and security code are then used to validate the user's identity within the system. Furthermore, the system, method, and apparatus of the present invention can be used to consolidate into one instrument, several payment and identity instruments.
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| Tokenless electronic transaction system | 20070291996 | 20071220 |
| The invention as described provides a method and system for tokenless authorization of commercial transactions between a buyer and a seller using a computer system. The method comprises the steps of registering a buyer, wherein the buyer registers with the computer system a PIN, at least one registration biometric sample, and at least one buyer financial account. The method also includes a seller registration step, wherein the seller registers with the computer system at least one seller financial account. In a proposal step, the seller offers a proposed commercial transaction to the buyer usually comprising price information. If the buyer accepts the seller's proposal, in an acceptance step, the buyer signals his/her acceptance by adding to the proposed commercial transaction the buyer's personal authentication information comprising... |
| Broadcast gaming | 20070293320 | 20071220 |
| The present invention provides a novel broadcast gaming methods and devices. Some implementations involve broadcasting real-time video streams of game content to a player's receiver, such as a television, a mobile phone, a computer, etc. Various games may be simultaneously broadcast on separate channels. Players can purchase time slots during which the players will passively participate in the wins or losses of a game. Alternatively, players may elect to financially participate in a predetermined number of games. Based on the outcomes of games in which a player participates, a player's pre-established account is either debited or credited. Players may view gaming content at the time of broadcast or record it for later viewing.
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| Add on investment technology and purchase plus | 20070294166 | 20071220 |
| A system, software product and process for enabling automated investment of funds is disclosed. Using current and existing bank accounts, account holders can debit from or charge to these accounts during normal day-to-day transactions. The transaction amount may be rounded or incremented up to a preset multiple, such as the next dollar, five dollars or ten dollars up. The transaction amount may be rounded-up to a preset percentage. The amount of rounded-up dollars is automatically allocated for distribution to an investment account, while the transaction amount is transferred to the acquiring merchant. By using this service, the account holder automatically creates funds for distribution to an investment portfolio or savings account, without having to actively divert income. In addition, the account holder may choose to divert... |
| Router-based remittance systems and methods | 20070294168 | 20071220 |
| In some aspects, what is disclosed relates to a processor-based payment method for transferring user-provided payment data through a router that parses the payment data and transfers the parsed data to a plurality of receivers in distinct locations, detecting the parsed data at each of the plurality of receivers, and originating an ACH debit against the user, or an e-check, based on the parsed data.
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| Value added third party contribution registry | 20070294185 | 20071220 |
| The present disclosure provides an improved system and method that allows a registrant to establish, generally through the Internet, an electronic account with a provider of services or products, and allows the registrant and others to add value to the account to raise the value through the collective contributory efforts. The value can include various forms such as monetary value from bank accounts and debit or credit charge cards. The value can also include in-kind value that is appropriate to the services from the provider, such as travel miles for an airline account. Still further, the provider can itself add value to the account, such as for promotional incentives. The incentives can include bonuses for timely use or the recipient's selection of certain services or products,... |
| Controlling card-based greenlife computing | 20070284438 | 20071213 |
| More particularly, there can be a computer system applying a CARD debit or credit to a GREENLIFE. Another approach can include: a first computer system enabling a debit to be incurred in connection with usage of a CARD, such as a debit, credit, or membership card; and a second computer system enabling a GREENLIFE, such as a utility bill, and applying the debit or credit to the GREENLIFE.
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| E-coupon system and method | 20070288313 | 20071213 |
| A method wherein a consumer registers for an electronic coupon (e-coupon) program and receives an e-coupon card programmed with consumer and corresponding e-coupon account identification information. The consumer selects available coupons from a website which are then loaded into the e-coupon account. Consumer package goods manufacturers (CPGs) are charged the downloaded value of the coupon plus a fee. The consumer may use the e-coupon card at any retailer that has electronic funds transfer (EFT) capabilities, such as credit/debit card acceptance. At a retailer's point of sale (POS) terminal, the consumer swipes the card and the cost of items having an e-coupon is adjusted by the corresponding e-coupon value and deducted from the consumer's final amount due. The CPG is also charged a redemption fee and the... |
| Proprietary point of purchase resource system | 20070288370 | 20071213 |
| The disclosure allows consumers to perform various financial transactions from a single source. Consumers are enrolled and pre-approved for services. A card, which may be a pin-based card, is provided to the consumer, which identifies the pre-approved financial services/transactions. The consumer's card is for accessing either an Assisted or Self-Service kiosk. A consumer inserts/swipes the card into a Kiosk and may enter a pin number then a list of services is provided. The consumer selects a service and the Kiosk performs the service if the consumer has been approved for that service. Services include, but are not limited to obtaining a cash-advance. cashing a check, wiring money, obtaining a money order, exchanging foreign currency, paying bills withdrawing money from an ATM, obtaining a pre-paid phone card,... |
| Personal electronic payment system and related method | 20070288371 | 20071213 |
| A method for making person-to-person and person-to-retailer cash value exchanges in the form of electronic and card-based financial transactions is provided. A portable, hand-held electronic device is associated with a subscriber deposit account. The device is selectively activated by inputting a personal identification number, upon which a financial transaction in the form of receiving or making payments can be conducted. The hand-held device of the present invention can also be used to create temporary deposit accounts having a cash value assigned to blank payment cards having a pre-assigned identification code for later use as a debit card.
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| User-configurable priority list for mobile device electronic payment applications | 20070278290 | 20071206 |
| A mobile device as disclosed herein can support a plurality of electronic payment applications such as credit and/or debit applications. During a payment transaction, the mobile device communicates a priority list of the electronic payment applications to a point of sale terminal, which then selects one of the applications for completion of the payment transaction, where the selection is governed by the priority list. The data structure corresponding to the priority list is configured such that the end user of the mobile device has management access rights to at least some of the electronic payment applications. Such end user management access rights can be used to modify the relative priority of the electronic payment applications.
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| Retail cash product | 20070278292 | 20071206 |
| The invention discloses a retail cash product available in multiple denominations, encoded with Point of Sale information allowing it to be purchased like any other retail product, which becomes a usable debit card once activated by the consumer. The ability for consumers to use gift cards, gift certificates, or credit cards to purchase this retail cash product provides them with the ability to obtain cash. Unlike reloadable debit cards, the retailer does not need special equipment, training, or processing at checkout; and the Cash Product Company even provides the funds to load onto the card, which the retailer repays in due course.
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| Method and system using combined healthcare-payment device and web portal for receiving patient medical information | 20070282637 | 20071206 |
| Embodiments of systems and methods in accordance with the present invention relate to a centralized portal for making healthcare information of a patient accessible to a plurality of entities, including but not limited to the patient himself/herself, healthcare providers authorized by the patient, and healthcare payers (insurance carriers) authorized by the patient. In one embodiment, the portal comprises a website associated with a portable consumer device (such as a HSA magnetic stripe credit/debit card) of the patient, and hosted on a server accessible over the world wide web or another computer network. The patient sets a privacy level associated with his or her medical record on the host site, the privacy level granting certain entities (for example healthcare providers or insurance carriers) access to particular medical... |
| Method and apparatus for payment processing | 20070282742 | 20071206 |
| A method of processing a government program check submitted by a vendor to its bank for deposit is described. A payment processor receives at a check processing station check data for a check accepted by a vendor, where the check data includes one or more fields to be examined for conformity to a set of processing rules governing payment. Responsive to the check data, the payment processor determines whether the check conforms to the processing rules applicable to the vendor accepting the check and also determines whether or not a non-conformity found is resolvable with an ACH debit adjustment. Responsive to a determination that the non-conformity found is resolvable with an ACH debit adjustment, the payment processor applies computation logic to determine the amount of the... |
| Card activated cash dispensing automated banking machine method | 20070276754 | 20071129 |
| A card activated cash dispensing automated banking machine such as an ATM is provided. The ATM is operative to receive and display on a display device of the ATM, electronic documents. The ATM may be in operative connection with a storage server. The storage server is operative responsive to the ATM to maintain electronic documents in a data store in association with the user's financial account such as checking, savings, debit, or credit account.
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| Method and system for optimizing throughput of mailing machines | 20070276762 | 20071129 |
| A mailing machine that optimizes throughput by reducing the amount of time necessary for the PSD to generate the digital signature and indicium for each mail piece is provided. The debit operation performed by the PSD, i.e., adjusting the PSD registers, is separated into three different sections, a pre-debit operation, a perform debit operation, and a complete debit operation. In addition, the calculation of the digital signature can optionally be pre-computed, or, alternatively, computed in stages, i.e., partial signature calculation. Utilizing this granularity, the cryptographic operations associated with generating the digital signature can be shifted between the three debit operations such that the execution time of the time critical portion of the debit operation (perform debit) can be optimized to meet the performance requirements of the... |
| System for providing cardless payment | 20070276764 | 20071129 |
| The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the. account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a... |
| Systems and methods for implementing parking transactions and other financial transactions | 20070267479 | 20071122 |
| A payment processing system configured to provide merchant-specific accounts to consumers, such as virtual prepaid parking accounts, that are accessed by payment instruments. In one embodiment, the payment processing system can create and provide a variety of payment methodologies for purchases, such as pay-as-you-go, virtual prepaid, virtual subscription, and post-paid purchases. In some embodiments, the merchant can provide consumers with rewards accounts and opportunities to earn reward points or other loyalty-based currencies through qualifying purchase transactions. The system can also refund merchant-specific accounts for returns or unused portions of prepaid resources. The consumer can access their merchant-specific accounts for purchase payment or refund using a preferred payment instrument, such as a credit or debit card.
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| Value transfer systems and methods | 20070267480 | 20071122 |
| One method involves the use of stored value account that may be used, for example, to make internet payments, and that can be credited using a variety of payment techniques. Such a method involves receiving money at a money transfer location from a potential purchaser. The money is then stored as an electronic record in a stored value account of the purchaser. This money is then available for transfer at the request of the purchaser. Upon such a request, the money may be electronically sent to a recipient and the stored value account may be debited.
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| Phase change memory cell employing a gebite layer as a phase change material layer, phase change memory device including the same, electronic system including the same and method of fabricating the same | 20070267721 | 20071122 |
| A phase change memory cell includes an interlayer insulating layer formed on a semiconductor substrate, and a first electrode and a second electrode disposed in the interlayer insulating layer. A phase change material layer is disposed between the first and second electrodes. The phase change material layer may be an undoped GeBiTe layer, a doped GeBiTe layer containing an impurity or a doped GeTe layer containing an impurity. The undoped GeBiTe layer has a composition ratio within a range surrounded by four points (A1(Ge21.43, Bi16.67, Te61.9), A2(Ge44.51, Bi0.35, Te55.14), A3(Ge59.33, Bi0.5, Te40.17) and A4(Ge38.71, Bi16.13, Te45.16)) represented by coordinates on a triangular composition diagram having vertices of germanium (Ge), bismuth (Bi) and tellurium (Te). The doped GeBiTe layer contains an impurity and has a composition ratio... |
| Card incentive database system | 20070271135 | 20071122 |
| A card incentive data base system includes a computerized data base system with a client information table and a credit/debit card information table. The client information table includes a client identifier code and can accommodate card identifier codes for accounts owned by the client. The card information table includes card identifier codes and card incentive data. Means are provided for inputting and updating the tables as well as means for searching the system to determine at least one credit/debit card to use for a purchase based upon incentives available. The system may be accessed remotely over a network or telephone system. Text messaging, voice recognition and live operators are employed to allow the client to query the system prior to making a purchase. The system is... |
| Money fund banking system with multiple banks and/or rates | 20070271174 | 20071122 |
| Providing interest to clients' deposited funds without limitation on the number of demand withdrawals from deposit accounts is accomplished by an administration system that keeps all of the records for the clients' deposits and withdrawals, calculates the total of the deposits and withdrawals for all clients, and uses the calculation to determine whether funds are deposited to or withdrawn from one or more deposit accounts in which all clients' deposit funds are kept. Clients can make unlimited withdrawals, such as by check, credit card, debit card, or electronic transfer, through the administrator. By placing the administrator as the holder of the deposit account(s), exemptions to the limitation on earning interest in demand accounts is facilitated; additionally, dispersing the deposit account funds among multiple banks allows the... |
| Payment processing support device and method | 20070271179 | 20071122 |
| Processing a signature debit card transaction as a credit card transaction when the debit card account contains insufficient funds to perform the transaction. The invention may include receiving transaction information comprising a transaction amount and signature debit card identification information from a point of sale terminal in a primary message format, generating a message in a secondary message format from the data contained in the primary message, transmitting the message in a secondary message format to a debit processing system that maintains an account associated with the signature debit card, receiving a response message from said debit processing system indicating whether the transaction amount is allowed based on the account balance of the account associated with the signature debit card and performing credit settlement of the... |
| System and method for controlling pests | 20070271181 | 20071122 |
| A system and method for providing pest control services. A contract specifying ongoing pest control services is concluded between a pest control service provider and a customer. The contract permits the pest control service provider to automatically debit a financial instrument of the customer on an ongoing basis without further intervention of the customer in exchange for repeatedly rendering pest control services.
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| Anti-fraud credit/debit card authorization system and method | 20070262136 | 20071115 |
| The invention provides a credit/debit authorization system and method which aim at stopping unauthorized use of credit/debit cards. The authorization system and method takes a two-step authorization approach. When a credit/debit card transaction authorization request is routed to the authorization system, the authorization system first validates the transaction by comparing card and transaction amount information extracted from the transaction to the account information stored in an account database. If the transaction is invalid, the authorization system refuses the transaction. If the transaction is valid, the authorization system then determines if the transaction requires the card user's approval. If it does, the authorization system would look up for user contact methods in a user contact database for that card with a pending transaction, establish a communication channel... |
| Methods and apparatus for funding transactions | 20070265961 | 20071115 |
| Methods and apparatus for funding transactions are presented herein. In one embodiment, the apparatus includes an account information unit to store information about an account, the account being associated with a first financial institution. The apparatus can also include a transaction processor to receive a request for a debit amount, to determine that the account has a balance less than the debit amount, to determine that the account is associated with a backup funding source, and to provide the debit amount. The apparatus can also include a backup funding unit to request a backup funding amount equal to at least a difference between the balance and the debit amount, wherein the backup funding source resides with a second financial institution.
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| Vasodialating dressing for use with intravenous catheters | 20070259026 | 20071108 |
| The present invention is drawn to adhesive dressings and associated systems and methods for use in reducing the occurrence of phlebitis and extending the lifespan of intravenous catheters. The adhesive dressings can include a backing layer, and a nitroglycerin-containing composition supported at least in part by the backing layer. The adhesive dressing can have a drug delivery zone defined by the area where the nitroglycerin-containing composition contacts an intact human skin site. The drug delivery zone can have an area of at least 2.5 cm2 and can be configured such that when the adhesive dressing is applied to secure an intravenous catheter the drug delivery zone substantially overlays a vessel in which the intravenous catheter is inserted. The nitroglycerin-containing composition can be formulated to deliver nitroglycerin... |
| Method and apparatus for aggressive compression, storage and verification of the dynamics of handwritten signature signals | 20060291703 | 20061228 |
| The fields of biometrics and commerce can benefit from the aggressive compression techniques presented here. A novel approach to compressing the on-line handwriting signal without losing the dynamic information (i.e., velocity and order) is presented which provides the means to fit almost any signature sample within the 57-byte limit of one of the free magnetic strips on the back of conventional transaction cards such as credit or debit cards or other identity cards. The apparatus requires an on-line signature capture tablet capable of sampling the handwritten signature in a series of sampled X and Y coordinates. The compression method starts with segmenting the on-line handwriting signal into portions which may be approximated with a set of features from which the velocity and position may be reconstructed.... |
| Debit card incentive system and method | 20060293952 | 20061228 |
| A system and method for encouraging a customer utilizing a financial card to perform a debit-type financial transaction rather than a credit-type transaction at a merchant. The customer is offered a price-per-unit (PPU) discount for fuel as a reward for performing the debit-type financial transaction. A point-of-sale (POS) system at the merchant determines that the customer performed the debit-type transaction, and stores the PPU discount and a customer identifier in a Discounts-Earned database. When the customer initiates a subsequent purchase of fuel, at the merchant or a different retail fueling merchant, a fuel dispenser retrieves the PPU discount from the database, discounts the posted price of the fuel by the PPU discount, and dispenses fuel to the customer at the reduced price. A redeemed discounts calculator... |
| Using mobile phones to provide access control and usage fee charges for mfds | 20060293966 | 20061228 |
| Use of wireless technology to enable Point of Sale (POS) vending for Multi-Function Devices (MFDs) is disclosed. A user can enable the MFD through the Internet by calling or accessing a centralized server,. The user can access a previously existing account or establish a new account. Also, one time use of the MFD can be enabled by entering credit or debit card information. Previously existing accounts can be recognized by the caller's phone number or other mechanism. Individual MFDs can be recognized by Global Positioning System (GPS), an access number, or by entering the MFD identification number. The server can transfer billing information, MFD or account restrictions, and available balance to the user. The MFD prevents users from overdrawing their account or from running prohibited jobs.... |
| Reward system and method for cash replacement system | 20060293988 | 20061228 |
| A reward system and method for cash replacement cards wherein a card is issue by or other financial institution to a cardholder. Such a card may be a credit or debit card and provides for a reward, not available to the general public, to the cardholder,based on his or her usage,in the form of a commodity that has a known history of increasing in value over time,such as diamonds.
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| Universal e-money brokerage service and method | 20060294005 | 20061228 |
| A universal e-money system and corresponding method for financial transactions involving different online payment systems includes local brokerage accounts opened with each online payment system, and software modules programmed in a computer in communication with the online payment systems. The modules interface with a first online payment system to identify receipt from a user of the first online payment system of a first electronic money transfer to a first local brokerage account and credit a virtual account of the user with a related value of electronic money. The modules also interface with the user to receive a request to complete a payment to a vendor having an account on a second online payment system. The virtual account of the user is debited and the requested payment... |
| Mobile device communication system | 20060294025 | 20061228 |
| A method and system to conduct financial transactions over a communication network is provided. Data associated with a mobile communication device user is received and stored, and a user mobile airtime account is allocated to the user. A purchase request is received from the user via a mobile communication device, the purchase request being for a purchase from a merchant for a purchase amount. The communication network provides the user access to the network to make the purchase request without debiting a financial account of the user or the user mobile airtime account for the access to the communication network. A payment service provider now automatically debits the financial account of the user with the purchase amount, automatically allocates a service fee which is associated with... |
| Sim card cash transactions | 20060287004 | 20061221 |
| The present invention provides a mobile device such as a cellular phone or PDA that can store and transfer electronic currency, similar to a debit card. Specifically, the mobile device includes a transceiver for wireless near field communication (NFC) and a subscriber identity module (SIM), wherein the SIM maintains a balance of electronic currency units that represent specified monetary values. The SIM is able to directly exchange electronic currency units with second party devices via the NFC transceiver without having to connect to a wireless communications network, wherein the SIM tracks and adjusts said balance of currency units during an exchange.
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| Gaming device for a flat rate play session and a method of operating same | 20060287071 | 20061221 |
| The present invention is directed generally to a method and apparatus for operating a gaming device having a flat rate play session costing a flat rate price. The flat rate play session spans multiple plays on the gaming device over a pre-established duration. The gaming device identifies price parameters and determines the flat rate price of playing the gaming device based on those price parameters. In one embodiment, identifying price parameters includes receiving player selected price parameters. In another embodiment, price parameters further incorporate operator selected price parameters. Should the player decide to pay the flat rate price, the player simply deposits the necessary funds into the gaming device or makes a credit account available for the gaming device to debit. Once the player initiates play,... |
| Credit/debit card system and method with use incentives | 20060287917 | 20061221 |
| Systems and methods implemented in a computerized credit card system for providing incentives to reduce a card issuer's losses (e.g., the percentage of accrued revenues which are uncollectible, or an amount of credit extended.) One embodiment comprises a system having a data processor and a data storage unit. The data processor is configured to transfer a portion of revenues generated from card use (e.g., finance charges) to an incentive pool. The data processor periodically determines which card accounts meet eligibility requirements and transfers revenues from the incentive pool to card accounts that meet the eligibility requirements, such as having a non-negative balance. The card accounts may include both credit accounts and accounts that must be secured by deposited funds. The data processor may also be configured... |
| Method and system for real time online debit transactions | 20060287965 | 20061221 |
| An online payment method is disclosed which permits users to make realtime debit card payments over the Internet. The payor and payee preregister with the system by sending their PAN, encrypted PIN and encryption key to the system database using a debit card reader, and then enter user names and secret IDs to be associated with the PAN and PIN numbers. When an online transaction is made the payor enters its user name and ID which is sent to the system along with the transaction amount and the payee user name. The system sends out a standard POS transaction using the stored PAN, encrypted PIN and encryption key. If approved it sends out a credit POS transaction to the payee in the same way.
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| System and method for providing discounts to members at participating merchants and commissions to referring entity | 20060282310 | 20061214 |
| A computer system and method includes a discount program and a referral program. A sponsor, such as a credit union, enters into arrangements with merchants to offer a discount program to members. The member receives an instant discount off the purchase at a participating merchant. The sponsor receives a referral fee from the merchant. The referral fee is debited from the merchant account and credited to the sponsor account using an automated clearinghouse. The referral fee is paid to the sponsor in near real-time or later. The member benefits by receiving a discount, and in the case of a credit union being the sponsor, the member also benefits because the credit union received the referral fee. The sponsor benefits by receiving the referral fee and by... |
| Messaging method and apparatus for use in digital distribution systems | 20060282390 | 20061214 |
| A method of subsidizing the presentation of media content by including informative messages as part of the presentation. The presentation of the media content is paused while the informative message is presented. The cost of the media content is credited to the owner and the payment associated with the informative message is debited from the sponsor of the informative message. Some content is segmented into sections and the informative messages are presented before or after each section. Other content is not segmented, but informative messages are presented at intervals determined by an e-PVR.
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| Methods for using a mobile communications device in consumer, medical and law enforcement transactions | 20060282395 | 20061214 |
| A system and methods to integrate, secure and simplify transaction conducted by means of a mobile electronic communications device such as a cell phone or smartphone, combining biometric identification, computer software applications resident in the device's memory, PAN (personal area network) and data storage and transmission means, such system and methods being useful in credit or debit card transactions, automated transmission and retrieval of private medical information and the retrieval of law enforcement data, among other possible uses, purposes and applications.
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| System and method for on-line commerce operations | 20060273155 | 20061207 |
| A system and method provides for an independent provider of electronic “stored value” credit to enable a consumer of products and services to apply cash or cash equivalents to fund an electronic account, i.e., a stored value account (SVA), managed by an independent stored value provider (ISVP) in a network of ISVPs. The consumer is typically a customer of the ISVP. The applied funds may be used by the customer to purchase products and services from any of several merchants that have established a transactional business association with the ISVP. The merchants may also be any type of on-line e-commerce business and/or a traditional in-store business. Moreover, a customer may transfer funds from one SVA to another SVA. Customers may add funds to a SVA, in... |
| Method and system to prevent fraudulent payment in credit/debit card transactions, and terminals therefor | 20060273158 | 20061207 |
| The present invention enables secure, valid card payments in credit transactions to be performed, preventing fraudulent card use even in cases of loss or theft of a card or of information theft. During a transaction authorization process using a transaction terminal disposed in a credit transaction member store and connected with a host computer, user validation or credit administration is carried out by using a portable communication terminal to input to the host computer identity information which has been previously registered in the portable communication terminal and/or location information for the portable communication terminal.
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| Alternative payment devices using electronic check processing as a payment mechanism | 20060273165 | 20061207 |
| The present invention includes a merchant system that recognizes virtually any payment device or technology that uses electronic check processing as a payment mechanism. For example, the merchant system associates presentation of the payment device with information used to electronically debit a checking account, such as MICR data, and submits the same to a transaction processor capable of settling electronic debit transactions.
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| System and method for a peer to peer exchange of consumer information | 20060277092 | 20061207 |
| Using peer-to-peer networking to exchange consumer information in a secure environment. The seeker of consumer information transmits an encrypted query to authenticated and trusted peers which includes legal representations stating the legally permissible purpose for seeking the information. A peer, acting as a maintainer of consumer information, determines if the query matches any consumer information held by the maintainer. The maintainer then informs the seeker of the results of the match, the type of information available, the data format, and the price for such consumer information. A payment invoice can be generated and electronically presented by maintainer. The payment may be electronically debited from the designated account of seeker and remitted to maintainer. In addition, a portion of such funds may be delivered to an entity... |
| Payment system and method for on-line commerce operations | 20060277148 | 20061207 |
| A system and method provides for an independent provider of electronic “stored value” credit to enable a consumer of products and services to apply cash or cash equivalents to fund an electronic account, i.e., a stored value account (SVA), managed by an independent stored value provider (ISVP) in a network of ISVPs. The consumer is typically a customer of the ISVP. The applied funds may be used by the customer to purchase products and services from any of several merchants that have established a transactional business association with the ISVP. The merchants may also be any type of on-line e-commerce business and/or a traditional in-store business. Moreover, a customer may transfer funds from one SVA to another SVA. Customers may add funds to a SVA, in... |
| System and method for an integrated payment and reward card | 20060266821 | 20061130 |
| An integrated rewards card includes a credit card number associated with a credit account of a person, persons, entity or a business. The integrated rewards card also includes a debit card number. The debit card number is different then the credit card number. Purchases using the credit card number cause a reward balance on a reward account associated with the debit card number to be increased. Products or services can be purchased with the reward account using a point of sale device for the credit card number.
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| Debit-based identity theft monitoring and prevention | 20060271456 | 20061130 |
| Systems and methods of monitoring financial information of a consumer for fraudulent activity. One method can include receiving an account closure event from an event provider, determining if the account closure event is associated with financial information of the consumer, generating a notification, and providing the notification to the consumer. Another method can include receiving a returned check event from an event provider, determining if the returned check event is associated with financial information of the consumer, generating a notification, and providing the notification to the consumer.
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| Systems and methods for implementing the structuring, pricing, quotation, and trading of spot synthetics (spots), spread instruments (sprints), sprints based on spots, ratio derivatives (rads), rads based on spots, and options based on these instruments | 20060271461 | 20061130 |
| An exchange-traded financial instrument having a price that tracks an underlying benchmark, the underlying benchmark being a security or commodity that is itself traded. A contract for the financial instrument between a buyer and seller is not contingent upon the delivery of the underlying benchmark. A net carrying charge (credit or debit), defined as the difference between the investment yield of the underlying benchmark and a cost of financing ownership of the underlying benchmark using the generally accepted industry standard financing rate for that benchmark, is credited or debited, accrued, or built into the price of the derivative for both buyer and seller of the financial instrument, typically nightly. In one embodiment, the underlying benchmark is a U.S. Treasury security, and preferably a specific U.S. Treasury... |
| Card holder | 20060261170 | 20061123 |
| A container is provided which includes a holder for a prepaid card, credit card, debit card and the like, for use in connection with purchasing products with a business establishment.
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| Systems and methods for implementing the structuring, pricing, quotation, and trading of spot synthetics (spots), spread instruments (sprints), sprints based on spots, ratio derivatives (rads), rads based on spots, and options based on these instruments | 20060265301 | 20061123 |
| An exchange-traded financial instrument having a price that tracks an underlying benchmark, the underlying benchmark being a security or commodity that is itself traded. A contract for the financial instrument between a buyer and seller is not contingent upon the delivery of the underlying benchmark. A net carrying charge (credit or debit), defined as the difference between the investment yield of the underlying benchmark and a cost of financing ownership of the underlying benchmark using the generally accepted industry standard financing rate for that benchmark, is credited or debited, accrued, or built into the price of the derivative for both buyer and seller of the financial instrument, typically nightly. In one embodiment, the underlying benchmark is a U.S. Treasury security, and preferably a specific U.S. Treasury... |
| System and method for facilitating payment via a communications network using value accredited to a customer of the communications network | 20060265325 | 20061123 |
| A system for facilitating payment (10) via a communications network (12) using value accredited to a customer (14) of the communications network (12), the system comprising a first communications device (22) owned and/or operated by the customer (14); a recipient (16); a billing system (18) associated with the communications network least one account (30) recorded with the billing system (18); and a payments facilitator (20), wherein, when the payments facilitator (20) receives a communications message (32) from the customer (14) identifying the recipient (16) and the amount to be paid to the recipient (16), the communications message (32) being sent by means of the first communications device (22), the payments facilitator (20) operates to command the billing system (18) to debit the amount to be paid... |
| System and method for issuing prepaid debit card at point of sale | 20060265335 | 20061123 |
| A system and method for direct loading of prepaid debit cards at point of sales (POS) devices via an Internet channel is provided. A centralized on demand model is provided so that any merchant operating a POS device can issue a prepaid debit card to a customer.
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| System and method for detecting fraudulent use of stored value instruments | 20060255125 | 20061116 |
| The present invention is generally directed to systems and methods for detecting unauthorized or fraudulent use of stored-value instruments. A stored-value instrument can be any instrument (tangible or intangible) that may be associated with a debit account and/or may otherwise be presented for payment for goods and/or services, used to transfer money, etc. The systems and methods of the invention generally involve processing request activity through a predetermined rule set to ascertain whether the activity is potentially unauthorized or fraudulent. The systems and methods of the invention allow for real-time monitoring of request activity for potentially unauthorized or fraudulent use of stored-value instruments.
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| Automated receiving and delivery system and method | 20060255912 | 20061116 |
| A system and method uses an appliance for delivery at a home or business when no one is home or without the need to disturb persons at the delivery site. The appliance is a locked storage container connected to remote computers such that access for particular delivery persons or companies is authorized when the owner of the appliance has placed an order. The appliance communicates, such as via the internet, with a remote delivery system computer having a scheduler that schedules deliveries during particular time intervals. Prior to scheduling the delivery, the delivery system computer compares the dimensions of the order with the available space within the appliance of the customer. After a delivery is made, the appliance communicates via the internet that the delivery has... |
| Network billing | 20060258331 | 20061116 |
| According to one aspect of the present invention, there is provided a method, in a network having access to a billing system, of debiting a subscribers account for a charge-incurring use made by the subscriber of the network, comprising: in response to receiving a request to make a charge-incurring use of the network, requesting authorization from the billing system for the requested use; supplying to the billing system a billing rate identifier indicating a billing rate to be applied for the chargeable use; and indicating to the billing system an amount of time for which the subscribers account is to be debited at the indicated billing rate thereby causing the subscribers account to be debited a corresponding amount, wherein the period between requesting the authorization and... |
| Multiple account preset parameter method, apparatus and systems for financial transactions and accounts | 20060259390 | 20061116 |
| Methods, apparatus and systems are provided that enables at least one debit for a financial transaction and account management features using at least two financial accounts from which such debits and/or credits can be made from said at least two financial accounts using preset financial account parameters including, but not limited to, at least one ratio, an amount threshold, a remainder threshold, a minimum available account balance, a maximum available account balance, a minimum debit amount, a range of debit amounts, a maximum debit amount, a qualitative or quantitative aspect of at least one said financial accounts, or any combination thereof, and/or other parameters, such as, but not limited to at least one threshold amount and/or remainder amount. The transaction processor also allows account debiting or... |
| System for providing cardless payment | 20060259439 | 20061116 |
| The method and system of the invention provide a variety of techniques for using a selected alias and a selected personal identification entry (PIE) in conjunction with use of a transaction card, such as a credit card, debit card or stored value card, for example. A suitable number or other identification parameter is selected by the account-holder as an alias. The account-holder is then required to choose a PIE for security purposes. The alias is linked to the account-holder's credit card number via a database. When the account-holder enters into a transaction with a merchant, the physical card need not be present. The account-holder simply provides his or her alias and then the PIE. This can be done at any point of sale such as a... |
