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Method for payment processing from account holder to ecommerce merchant

Method for payment processing from account holder to ecommerce merchant

System and method for rewards calculation

Capital One Financial

System and method for rewards calculation

System and method for rewards calculation

Apple

Secure provisioning of credentials on an electronic device

Date/App# patent app List of recent Inanc-related patents
02/26/15
20150059002
 Mobile information gateway for service provider cooperation patent thumbnailnew patent Mobile information gateway for service provider cooperation
A mobile information gateway comprises a wearable human interface module having an image delivery and display mechanism for presenting information overlaid upon a wide field of view, a computing and communication module adapted receive information from the human interface module and adapted to send commands and information to the human interface module including information for presentation; and a backend service server coupled for processing data from the computing and communication module including user identification and verification. The present invention also includes a method for using the mobile information gateway for augmented use by employees interacting in the back office of a financial services company and comprises capturing information with a first human interface module; processing the information captured by the first human interface module; retrieving a set of shared information based upon the processing of the information captured by the first human interface module; presenting the shared set of information overlaid upon a field of view of the first user using the first human interface module; and presenting the shared set of information overlaid upon a field of view of the second user using a second human interface module..
Ricoh Company, Ltd.
02/26/15
20150058774
 Gesture-based visualization of financial data patent thumbnailnew patent Gesture-based visualization of financial data
The disclosed embodiments provide a system that processes financial data. During operation, the system provides a user interface for displaying the financial data to a user.
Intuit Inc.
02/26/15
20150058260
 System for modeling risk valuations for a financial institution patent thumbnailnew patent System for modeling risk valuations for a financial institution
A method and system allowing banks and financial institutions the capability to perform advanced credit and market risk analyses required by central banks and banking regulators or supervisors, such that the banks are in compliance with the basel ii and basel iii accord requirements. This system is both a standalone and server-based set of software modules and advanced analytical tools that is used to quantify and value credit and market risk, as well as forecast future outcomes of economic and financial variables, and generate optimal portfolios that mitigate risks..
02/26/15
20150058227
 System, method, and apparatus to authorize a payment transaction using a token credential patent thumbnailnew patent System, method, and apparatus to authorize a payment transaction using a token credential
A novel system and methodology for conducting financial and other transactions using a wireless device. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to consumers permitting the specific consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials.
02/26/15
20150058214
 Electronic commerce systems patent thumbnailnew patent Electronic commerce systems
A system for electronic commerce including electronic banking tools, products and services. The system includes customizable banking products and cards, and methods and systems for conducting financial transactions and maintaining records over the internet..
02/26/15
20150058209
 Method for payment processing from account holder to ecommerce merchant patent thumbnailnew patent Method for payment processing from account holder to ecommerce merchant
There is provided a method for payment processing from a first account holder to an ecommerce merchant. The method includes establishing a financial account with a banking institution having a bank physical location.
02/26/15
20150058207
 Method for payment to an ecommerce merchant patent thumbnailnew patent Method for payment to an ecommerce merchant
There is provided a method for payment from a first account holder to an ecommerce merchant. The method includes establishing a financial account of the merchant with a banking institution having a bank physical location.
02/26/15
20150058206
 Customer-selected payment clearinghouse patent thumbnailnew patent Customer-selected payment clearinghouse
Embodiments of the invention relate to systems, methods, and computer program products that provide for a customer-selected payment clearinghouse that allows financial institution customers to select which account or accounts to assign/re-assign to a particular payment transaction, concurrent with the transaction or for a predetermined period of time after the transaction has occurred. As such, the present invention allows the customer to assess payment account alternatives after the transaction has occurred and to make informed payment account decisions after the transaction has occurred.
Bank Of America Corporation
02/26/15
20150058197
 Networking platform for lending patent thumbnailnew patent Networking platform for lending
A networking platform for lending is disclosed. The platform may facilitate communication of potential borrowers and potential lenders where such lenders are not traditional financial institutional lenders.
Bank Of America Corporation
02/26/15
20150058191
 Secure provisioning of credentials on an electronic device patent thumbnailnew patent Secure provisioning of credentials on an electronic device
Systems, methods, and computer-readable media for provisioning credentials on an electronic device are provided. In one example embodiment, a secure platform system may be in communication with an electronic device and a financial institution subsystem.
Apple Inc.
02/26/15
20150058143
new patent

Loan management system and enrolling a customer in an installment plan


A method for enrolling a customer in an installment plan comprises the steps of receiving by a first processor at a point of sale terminal within a merchant store engine customer information and receiving by the first processor a request to enroll in an installment plan for the purchase of one or more goods or services. The method further includes the steps of forwarding by the first processor the customer information from the merchant store engine to a loan management engine to obtain a financing decision and processing by a second processor the customer information.
Brightstar Corporation
02/26/15
20150058134
new patent

Systems, methods, and articles of manufacture for targeted marketing via improved card embossing


Systems, methods, and articles of manufacture are disclosed for generating marketing targeted to individual cardholders of shared credit card accounts. A financial service provider may configure a credit card account to be shared by two or more cardholders.
Capital One Financial Corporation
02/26/15
20150058109
new patent

Systems and methods for financial data communications and data management


The principles and embodiments of the present invention relate to a system for facilitating an interaction between a person (group or sponsor) and a merchant. In some embodiments, a system is provided in which the person electronically institutes a promise to spend a specific amount of money on purchases with the particular merchant in a specific time period and the merchant electronically institutes a savings offer on transactions made using a credit or debit card in exchange for the customer setting aside the predetermined amount of money.
02/26/15
20150058105
new patent

System and rewards calculation


A system and method in accordance with example embodiments may include systems and methods for calculating rewards, which may include, receiving account holder data, parsing the account holder data for transformation and loading purposes; receiving new financial account data from financial institutions, where a new financial account may be, for example, a credit card account, and new financial account data may include, for example, the terms and conditions associated with the financial account, fees associated with the financial account, and/or deals, benefits, rewards, and/or promotions associated with the financial account; determining spend categories based on the new financial account data; determining account holder customizations; determining seasonal trends associated with the account holder data; and determining an optimal new financial account based on the account holder data, new financial account data, spend categories, seasonal trends, and/or account holder customizations.. .
Capital One Financial Corporation
02/26/15
20150058090
new patent

Systems and methods for generating solution recommendations for power plant operation


Systems and methods for generating solution recommendations for power plant operation can be provided by certain embodiments of the disclosure. In one embodiment, a system may include a processor configured to collect power plant operational data from power plant components.
General Electric Company
02/26/15
20150058051
new patent

Property sharing platform


Embodiments of the present disclosure may provide a property sharing platform. The platform may be configured to create, based on data received from an owner, a listing for a parking space and publish the listing.
02/26/15
20150057545
new patent

Ultrasound diagnostic device, ultrasound diagnostic method, and recording medium storing non-transitory computer-readable program


An ultrasound diagnostic device 101 is equipped with a probe distance determiner 7 and a screen creator 8. The probe distance determiner 7 analyses a positional relationship between a probe and an area subject to measurement appearing in an ultrasound image, and determines whether or not the analysed positional relationship is appropriate.
Konica Minolta, Inc.
02/26/15
20150056957
new patent

Biometric authentication of mobile financial transactions by trusted service managers


In one embodiment, a method comprises storing a biometric trait of a user in a data communication device of the user, comparing a biometric trait input into the device with the biometric trait stored in the device, generating a certificate authenticating the user within the device if the biometric trait input into the device matches the biometric trait stored in the device, and facilitating a financial transaction of the user using the certificate.. .
Ebay Inc.
02/26/15
20150056413
new patent

Optical sheet


The present invention relates to an optical sheet used in a liquid crystal display device, and relates to an optical sheet which comprises a resin curing layer made of a curable resin composition comprising metal oxide nanoparticles, and thus is easy to handle and not liable to be damaged from external shocks, and can prevent reduction in luminance due to damage and at the same time achieve a high refractive index.. .
Kolon Industries, Inc.
02/26/15
20150056237
new patent

Method of altering the immundominance hierarchy of hiv gag by dna vaccine expressing conserved regions


The invention provides methods and compositions for eliciting broad immune responses. The methods employ nucleic acid vaccines that encodes highly conserved elements from a virus..
University Of Washington
02/26/15
20150055862
new patent

Image processing apparatus


An image processing apparatus comprises: a separation unit configured to separate image data into a luminance signal and a color difference signal; a decision unit configured to decide a reference pixel, which is referenced for a pixel of interest included in the image data; a luminance noise reduction unit configured to reduce luminance noise in the luminance signal of the image data; a weight calculation unit configured to calculate a weight of the reference pixel based on similarity of luminance included in the luminance signal having been subjected to noise reduction by the luminance noise reduction unit between a first area containing the pixel of interest and a second area containing the reference pixel; and a color noise reduction unit configured to reduce color noise in the color difference signal for the pixel of interest by using the weight of the reference pixel.. .
Panasonic Corporation
02/26/15
20150055477
new patent

System and routing internet traffic over internet links


An apparatus and method for ip transit is described. Embodiments include a platform for routing ip traffic in real time from at least one network user to a plurality of internet links.
Cisco Technology, Inc.
02/26/15
20150055358
new patent

Yellow fluorescent substance, light-emitting device, illumination device, and vehicle


The present invention provides an oxynitride silicate fluorescent substance capable of output a light having a high luminance even when irradiated by an exciting light having a high energy density. The present invention is a yellow fluorescent substance represented by a chemical formula (ba1-x-y-z,srx)asibocnd:eu2+y,y3+z (0.9≦a≦1.1, 1.9≦b≦2.1, 1.9≦c≦2.1, 1.9≦d≦2.1, 0≦x≦1, 0<y<0.01, and 0≦z<0.01)..
Panasonic Corporation
02/26/15
20150055348
new patent

Light emitting module


A light emitting module is provided including a light emitting device and a reflective member disposed on the light emitting device. The reflective member includes a hole with an inner wall thereof provided as a reflective surface, having a lower aperture having a quadrangular shape and an upper aperture having a shape geometrically different from that of the lower aperture.
Samsung Electronics Co., Ltd.
02/26/15
20150054864
new patent

Color compensation device and display device using the same, and color compensation method


A color compensation method is disclosed. In one aspect, the method includes predetermining target color coordinates, measuring luminance and chromaticity from an image displayed on a display panel, and calculating compensation color coordinates by using the target color coordinates and the device color coordinates.
Samsung Display Co., Ltd.
02/26/15
20150054862
new patent

Display device and driving method thereof


A display device includes a timing controller for controlling the display of an image. The timing controller forms a frame for an image signal based on a main frame, a compensation frame, and at least one blank frame.
Samsung Display Co., Ltd.
02/26/15
20150054815
new patent

Driving organic el display device and organic el display device


The adjustment of a color temperature is made possible in a display panel using a white light-emitting oled. The white light-emitting oled includes a light-emitting layer containing light-emitting materials of respective colors of r, g, and b.
Japan Display Inc.
02/26/15
20150054813
new patent

Active-matrix display device, and active-matrix organic electroluminescent display device


An active-matrix display device employs current-programmed-type pixel circuits and performs the writing data to each of pixels on a line-by-line basis. The active-matrix display device having a matrix of current-programmed-type pixel circuits includes a data line driving circuit 15 formed of m current driving circuits (cd) 15-1 to 15-m arranged corresponding to respective data lines 13-1 to 13-m.
Sony Corporation
02/26/15
20150054718
new patent

Pixel circuit and display device using the same


Exemplary embodiments of the present invention relates to a pixel circuit for displaying an image of uniform luminance. The pixel circuit comprising an organic light emitting diode (oled), an rs trigger comprising a first terminal connected to a scan line, a second terminal connected to an enable line, and a third terminal connected to a data line, the rs trigger configured to generate an output signal according to an enable signal, a data signal, and a scan signal respectively received via the enable line, the data line, and the scan line, and a driving transistor comprising a first electrode connected to a first power source, a second electrode connected to an anode of the oled, and a gate electrode connected to an output terminal of the rs trigger, the driver transistor configured to control a current flowing through the oled in response to the output signal of the rs trigger..
Samsung Display Co., Ltd.
02/19/15
20150052079

Providing an index and portfolio with defined active share level


A current portfolio comprising financial objects and a current benchmark comprising a subset of the financial objects of the current portfolio are selected. For each unique financial object of the current portfolio and benchmark, an active weight of the corresponding financial object is computed and a current aggregate active weight is derived based on the computed active weight.
Kania Research Ltd
02/19/15
20150052068

Product for unaudited financial statements and qualifying the eligibility for such a product


A system, product and method to increase the credibility of the unaudited financial statements of small and medium sized private enterprises combines such financial statements which satisfy eligibility criteria with an indemnity in favour of a named user of the unaudited financial statements for a loss which the user incurs as a consequence of those financial statements containing information that is materially incomplete or materially inaccurate. The financial statements are professionally compiled by a certified public accountant in conjunction with that accountant's completion of a related agreed-upon procedures engagement.
02/19/15
20150052061

Methods and systems for facilitating e-commerce payments


Methods for facilitating financial transactions include facilitating or otherwise increasing the ease and speed of checkout processes. In particular, one or more implementations comprise an e-commerce payment facilitator that acts as an intermediary between a commerce application and a payment gateway.
Facebook, Inc.
02/19/15
20150052055

System and method utilizing a one-to-many payment button for completing a financial transaction


A method implemented in an e-commerce system to facilitate transactions between a customer and a vendor is disclosed. The method comprising receiving a request for a bulk token for use in an advertising campaign.
@pay Ip Holdings Llc
02/19/15
20150052053

Internet site authentication with payments authorization data


A system for identification by a payment cardholder of phishing and/or deceptive websites is provided. The system includes an electronic storage device having a database of merchant or financial institution website registration with a payment card network information stored therein.
Mastercard International Incorporated
02/19/15
20150052051

Business processing method and system of financial self-service equipment


Disclosed are a business processing method and system of financial self-service equipment; the processing method comprises the following steps: (1) an automatic teller terminal judging a business type of a client, carrying out one-time centralized processing on multiple businesses submitted by a certain user, combining businesses, which are logically associated and are in a certain processing order, into business sequences and sending the business sequences to a bank front-end system for processing; (2) the bank front-end system splitting a composite business sequence and submitting the businesses to a bank background business system for centralized processing one by one; (3) the bank front-end system collecting processing results of the businesses from the bank background business system one by one, returning the processing results to the automatic teller terminal through a format of a composite business sequence message, and displaying transaction results on a screen for the user.. .
Grg Banking Equipment Co., Ltd.
02/19/15
20150052045

Systems and methods for instant funding of financial service products


Systems and methods are disclosed for opening new accounts, immediately funding those accounts, and supplying users with funded debit cards within a single visit. According to disclosed embodiments, a financial services kiosk or a combination of financial services systems is configured to open a new account, transfer funds to the new account via a modified withdrawal, a modified debit purchase, a real-time network transfer, and/or an immediate ach transfer, and print an active debit card for the user without the typical delay of several days or weeks between the opening of the account, the funding of the account, and the issuance of a debit card..
Capital One Financial Corporation
02/19/15
20150052042

Method, system, service, and computer program product for verification and delivery of a borrower's assets and deposits information


A technique of assets and deposits verification for making a lending decision is disclosed that does not require requesting manual assets and deposits verification and performing a manual comparison of the results of such verification to financial statements provided by the borrower. The borrower provides authentication information (e.g., login credentials), which a verification service utilizes to obtain the borrower's assets and deposits information from a financial institution.
Pointserv, Inc.
02/19/15
20150052037

Systems and methods for trading a trade list in financial markets


Systems and methods are provided for maintaining neutrality while trading a list of securities using an algorithmic trading facility coupled with at least one destination. This destination includes at least one alternative trading system (ats).
Itg Software Solutions, Inc.
02/19/15
20150052036

Dynamically providing a third-party checkout option


Methods for facilitating financial transactions include facilitating or otherwise increasing the ease and speed of checkout processes. In particular, one or more implementations comprise an e-commerce payment facilitator that acts as an intermediary between a commerce application and a payment gateway.
Facebook, Inc.
02/19/15
20150052035

Shared account filtering of e-receipt data based on email address or other indicia


Apparatus, methods, and computer program products are described providing, within a personal finance management application (e.g., online banking, mobile banking or the like), customer-based transaction filtering for shared financial accounts (i.e., joint account or accounts otherwise held by more than one individual/customer). The filtering is configured to present holders of the shared accounts views (e.g., windows, sortable lists or the like) of which transactions, and in some embodiments which items in those transactions, were conducted by which holders of the account..
Bank Of America Corporation
02/19/15
20150052032

Transactional messaging systems and methods


A transactional messaging system displaying financial transactions in a user interface structured to resemble an email messaging user interface and/or an instant messaging user interface. The financial transactional messaging system presents and interacts with the financial transactions as email or instant messages, reducing the complexity of tracking, managing and processing transactions while preserving the full capabilities of a transaction processing system.
Seergate Ltd.
02/19/15
20150052031

Systems and methods for presenting financial data


Embodiments described herein disclose systems and methods for mapping financial data points to inquiries, wherein responsive to receiving a query, a single financial data point may be presented to a user.. .
02/19/15
20150052005

Internet site authentication with payments authorization data


Methods for identification by a payment cardholder of phishing and/or deceptive websites (e.g., merchant websites and financial institution websites) are provided. In particular, a method involves initiating a proxy interaction of a payment cardholder computer system executing a browser application with an item of content associated with the merchant website, and communicating with a payment card network connected to the merchant website.
Mastercard International Incorporated
02/19/15
20150051960

System and combing coupons with financial accounts


A system for linking coupons to financial accounts using a mobile device that includes a financial institution database that stores an account of an account holder, a communication interface of a financial institution that receives, via a network, coupon data associated with one or more discounts from a mobile device of the account holder, a linking processor that associates the coupon data with the account of the account holder, an authorization network interface that receives transaction data relating to transactions associated with the account of the account holder, a comparison processor of a financial institution that determines compares the coupon data with the transaction data to determine whether a qualifying transaction has occurred, and a discount processor of a financial institution that provides a credit to an account holder when a qualifying transaction has occurred.. .
Capital One Financial Corporation
02/19/15
20150051488

Ultrasound diagnostic device, image processing ultrasound diagnostic device, and non-transitory computer-readable recording medium


An ultrasound diagnostic device including a component specifier. Assume a first direction is a depth direction substantially perpendicular to a surface of a subject, a second direction is a direction orthogonal to the first direction, a first pixel is a pixel at a pixel location n in the second direction, a second pixel is a pixel at a pixel location n+1 in the second direction, and n is a positive integer.
Konica Minolta, Inc.
02/19/15
20150051101

Detection biological substance


It is an object of the present invention to provide a detection method in which background noise is not increased even if a high-luminance fluorescent labeling material is used and which has an improved s/n ratio and high quantitativity and is advantageous for an immunohistological staining method. The present invention provides a detection method which is a method for detecting a specific biological substance using, as a color former, fluorescent substance-encapsulated nanoparticles to whose particle surfaces biological substance-recognizing molecules that specifically recognize a specific biological substance have been bonded, and which has an improved s/n ratio and high quantitativity and is advantageous for an immunohistological staining method because nanoparticles encapsulating no fluorescent substance are used as a blocking agent for preventing the fluorescent substance-encapsulated nanoparticles from being non-specifically adsorbed on a biological substance other than the specific biological substance..
Tohoku University
02/19/15
20150050027

Information communication method


An information communication method that enables communication between various devices includes: determining a pattern of a change in luminance; transmitting a signal by a light emitter changing in luminance; determining a sequence of first and second image units; and displaying an image including the first and second image units arranged according to the determined sequence, wherein in the displaying: for 0, the sequence of the first and second image units is determined so that a first image unit group and a second image unit group that have a same number of image units as each other are consecutive; and for 1, the sequence of the first and second image units is determined so that a first image unit group and a second image unit group that have different numbers of image units from each other are consecutive.. .
Panasonic Intellectual Property Corporation Of America
02/19/15
20150049935

Region extraction system


Provided is a region extraction system that uses an image data analysis process, which has overcome the problem of false positives in region extraction and assists in more accurate region extraction. A luminance distribution-analyzing unit (105) is used to determine a parameter of unknown quantity for extracting a region of interest.
Hitachi, Ltd.
02/19/15
20150049511

Waveguide having unidirectional illuminance


A luminaire includes an optical waveguide having a first surface and a second surface opposite the first surface, and a light source associated with the optical waveguide. At least about 80% of light produced by the light source is directed by the waveguide into an illumination distribution emitted from the first surface of the optical waveguide..
Cree, Inc.
02/19/15
20150049132

Backlight simulation at reduced resolutions to determine spatial modulation of light for high dynamic range images


Embodiments of the invention relate generally to generating images with an enhanced range of brightness levels, and more particularly, to facilitating high dynamic range imaging by adjusting pixel data and/or using predicted values of luminance, for example, at different resolutions. In at least one embodiment, a method generates an image with an enhanced range of brightness levels.
Dolby Laboratories Licensing Corporation
02/19/15
20150049129

Control circuit and a display thereof


This invention n provides a control circuit having large effects of low power consumption in cabc drive. The control circuit performs b/l luminance reduction in eliminating a discomfort in image quality by using the feature value calculation circuit in the video signal.
Nlt Technologies, Ltd.
02/19/15
20150049003

Head mounted display and controlling head mounted display


A head mounted display includes an image display unit having an image light generation unit that generates image light based on image data and outputs the image light, the image display unit not only allowing a user who wears the image display unit around user's head to recognize the image light in the form of a virtual image but also transmitting a surrounding scene, and a control unit that compares an index set based not only on luminance of initial image light generated based on initial image data that is original image data but also on illuminance of the transmitted surrounding scene with a first threshold set in advance and causes the image light generation unit to generate display image light that differs from the initial image light in that at least part of the luminance thereof is changed based on a result of the comparison.. .
Seiko Epson Corporation
02/19/15
20150048350

Lighting tiles


We describe a lighting tile having a substrate bearing an electrode structure, the electrode structure comprising: a plurality of electrically conductive tracks disposed over said substrate; and an electrical connection region connecting to said plurality of tracks; wherein the height of said tracks tapers away from said connection region to compensate for a reduction in luminance from said lighting tile array from the electrical connection region which arises from a non-uniform voltage drop which appears along the tracks in use. Advantageously the tracks are fabricated by electroplating: then, as the rate of deposition is determined by the voltage drop along a track during plating, the height of the deposited tracks, and therefore their resistance, will match the profile required in operation to compensate for the reduction in luminance which would otherwise occur..
Cambridge Display Technology Limited
02/19/15
20150047257

Fabric plant pot


A plant container for reducing root circling and promoting air pruning comprising an open top portion, a closed bottom portion, a closed sidewall and a pair of handles woven on either side of the sidewall. The container is made of non-woven geotextile fabric for providing higher air and water permeability for effective plant growth.
02/12/15
20150046608

Obtaining multimedia data in an extended connectivity multimedia presentation on a multimedia presentation device


To present multimedia data, a communication path is established through a selectively separable electrical connector over which encoded multimedia data are conveyed to a multimedia presentation device. An order for a multimedia data file is transmitted to a multimedia source device through a wireless communication interface that is selectively separable from the multimedia presentation device at the electrical connector.
02/12/15
20150046369

Document generation, interpretation, and administration system with built in workflows and analytics


A document generation, interpretation, and administration system and method and a workflow management system with analytics are provided. The system and method are designed to manage a document process from inception through closure, including all follow-up tasks.
Axiom Global Inc.
02/12/15
20150046363

Method and managing, displaying, analyzing, coordinating, and optimizing innovation, engineering, manufacturing, and logistics infrastructures


The present disclosure discloses an engineering, manufacturing, supply chain and logistics operation management platform that can efficiently and effectively configure factors of product development, production, supply chains, and logistic operations and dynamically control such factors, supply chain and logistics to optimize performance. The platform will also provide the means of selectively and securely displaying data related to production factors, logistics, and supply chain to enable real-time monitoring to support the sales, financial management, or post sales process..
Flextronics Ap, Llc
02/12/15
20150046340

Variable authentication process and system


Efficient methods and systems for verifying personal identifiers in transactions such as financial transactions are disclosed. In an exemplary method, an authentication server computer may provide an account number and a personal identifier such as a pin to a payment processing network server computer.
02/12/15
20150046335

Pin entry for internet banking on media device


Embodiments of the invention disclose a remote control device for operating a media device that can be used to conduct financial transactions. The remote control device includes a user interface to accept user input, and a communication interface to communicate with the media device.
Visa International Service Association
02/12/15
20150046328

Secured point of sale transaction using fingerprint recognition


A method for operating a computerized system for processing cashless and cardless financial transactions, the method comprising the steps of: registering a user's fingerprint with an entity, by using the user's fingerprint to create a first image of the user's fingerprint and then storing the first image of the user's fingerprint in a digital database of the entity; associating the first image of the user's fingerprint, now registered, with at least one debit or credit account of the user; receiving, through a transaction device, a request to authorize a financial transaction, wherein said request comprises a second image of the user's fingerprint taken by the transaction device at the time the request to authorize the financial transaction is made; and, authenticating the request to authorize the financial transaction, by comparing in real time, through a computer network, the second image with the first image of the user's fingerprint.. .
02/12/15
20150046321

System for collectorless collections


A system for collection comprises a processor and a memory. The processor is configured to determine that a collector is willing to assume a financial obligation for a collectee and to determine whether the collectee has funds to repay the obligation at a financial institution.
Billfloat, Inc.
02/12/15
20150046319

Payment identification code and payment system using the same


A method for effecting electronic payment, safeguarding banking and account information, while utilizing existing payment systems. The method comprises generating a system routing number and a payment identification code (pic) relating to the beneficiary's account information, distributing payment identification codes to the existing payment system and financial institutions owning the account related to the payment identification codes, and the originator receiving a system routing number and the beneficiary's pic number.
The Clearing House Payments Company L.l.c.
02/12/15
20150046318

Population of application


Methods and systems for populating an application are described. Data for an application is accessed, including transactional data associated with a user from a computerized database in a system.
United Services Automobile Association (usaa)
02/12/15
20150046317

Customer income estimator with confidence intervals


Data is received that characterizes at least one of credit, financial, and demographic data for a consumer. Thereafter, estimated income is determined for the user.
Fair Isaac Corporation
02/12/15
20150046310

System and buy-side order matching


Techniques for buy-side order matching in the trading of financial instruments using a centralized matching engine having one or more storage devices including rules and order parameters for a plurality of buy-side parties. The centralized matching engine includes one or more transmitters and receivers communicatively coupled to a network and one or more processors operatively coupled to the one or more storage devices and the one or more transmitters and receivers.
Fidessa Corporation
02/12/15
20150046307

Item level personal finance management (pfm) for discretionary and non-discretionary spending


Embodiments of the invention are directed to apparatus, methods, and computer program products for providing automatic determination of discretionary and non-discretionary spending at a transaction item-level and providing related item-level filtering within a personal financial management application, such as online banking, mobile banking or the like. Such item-level filtering provides the customer with the detail necessary to ascertain the discretionary spend versus non-discretionary spend impact of items on an overall customer budget and to make necessary changes in future purchases so as to positively impact the customer's budget constraints..
Bank Of America Corporation
02/12/15
20150046306

System, method, and settlement for participation in an electric power grid


Systems, methods, and apparatus embodiments for electric power grid and network registration and management of physical and financial settlement for participation of active grid elements in supply and/or curtailment of power, wherein internet protocol (ip)-based messages including ip packets are generated by transforming raw data content into settlement grade content. Settlement is provided for grid elements that participate in the electric power grid following initial registration of each grid element with the system, preferably through network-based communication between the grid elements and a coordinator, either in coordination with or outside of an ip-based communications network router.
Causam Energy, Inc.
02/12/15
20150046305

System and capturing sales tax deduction information from monetary card transactions


Systems and methods are provided for managing sales tax information. The information may be generated, for example, in connection with transactions involving financial accounts, such as a credit card account.
Capital One Financial Corporation
02/12/15
20150046303

Multi-currency financial consolidation


An electronic multinational consolidation system and method of combining and translating financial data by automatically applying the correct exchange rate based on predetermined accounting rules to each required general ledger, providing mapping tools to assure consistency across various general ledgers and, hence, accurate financial reporting and allowing for historical corrections to be made and brought forward to the current financial period.. .
02/12/15
20150046257

Secure tokenless transaction system and method


The tokenless transaction system described herein allows a user conduct financial transactions absent the need for his/her credit cards, debit cards, promotional cards, discount cards, and all other cards typically used in executing a financial transactions. In the same manner, the chances to have a card lost or stolen are reduced, bolstering the security of the user's financial information.
02/12/15
20150046245

Mobile exchanging point value


A transaction is conducted at a merchant location using redeemed loyalty points maintained in a loyalty point account for a customer. The transactions are conducted using a mobile device at a pos terminal.
First Data Corporation
02/12/15
20150046240

System and providing mobile coupons for redemption


A system that uses a mobile device to efficiently redeem a coupon through a financial institution that includes a communication interface that receives, via a network, coupon data associated with one or more discounts and receipt data from a mobile device, a comparison processor that determines product data based on the receipt data and compares the coupon data with the receipt data, and a discount processor that provides a credit to an account holder based at least in part on the results of the comparison between the coupon data and the receipt data, wherein the credit is based on the coupon data.. .
Capital One Financial Corporation


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Inanc topics: Transactions, Liquid Crystal Display, Liquid Crystal, Graphical User Interface, User Interface, Credentials, Ultraviolet, Gray Scale, Arithmetic, Coordinates, Image Processing, Electro Luminescence, Ion Source, Image Capture, Subscriber Identity Module

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