Recherche Images Maps Play YouTube Actualités Gmail Drive Plus »
Connexion
Les utilisateurs de lecteurs d'écran peuvent cliquer sur ce lien pour activer le mode d'accessibilité. Celui-ci propose les mêmes fonctionnalités principales, mais il est optimisé pour votre lecteur d'écran.

Brevets

  1. Recherche avancée dans les brevets
Numéro de publicationUS20010042785 A1
Type de publicationDemande
Numéro de demandeUS 09/851,045
Date de publication22 nov. 2001
Date de dépôt8 mai 2001
Date de priorité13 juin 1997
Autre référence de publicationUS5949044, US6267292
Numéro de publication09851045, 851045, US 2001/0042785 A1, US 2001/042785 A1, US 20010042785 A1, US 20010042785A1, US 2001042785 A1, US 2001042785A1, US-A1-20010042785, US-A1-2001042785, US2001/0042785A1, US2001/042785A1, US20010042785 A1, US20010042785A1, US2001042785 A1, US2001042785A1
InventeursJay Walker, Sanjay Jindal, James Jorasch
Cessionnaire d'origineWalker Jay S., Jindal Sanjay K., Jorasch James A.
Exporter la citationBiBTeX, EndNote, RefMan
Liens externes: USPTO, Cession USPTO, Espacenet
Method and apparatus for funds and credit line transfers
US 20010042785 A1
Résumé
A financial tender transfer system allows a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting the credit card of the transferee. The financial tender transfer system gives the transferee immediate access to the transferred money and ensures the transferor's credit card is valid. Neither party needs to give their credit card number to the other, so security is preserved. Any amount of value up to the full credit line of the transferor can be transferred to the transferee.
Images(28)
Previous page
Next page
Revendications(63)
What is claimed is:
1. A system for transferring financial tender between credit card accounts, comprising:
means for identifying a transferor and a transferee credit card account;
means for identifying a financial tender value to be transferred from said transferor credit card account to said transferee credit card account; and
means for initiating the transfer of said financial tender value from said transferor credit card account to said transferee credit card account,
wherein said transferor credit card account and said transferee credit card account are separately assigned.
2. A system in accordance with
claim 1
wherein said means for initiating the transfer includes:
means for debiting said transferor credit card account; and
means for crediting said transferee credit card account.
3. A system in accordance with
claim 1
wherein:
said means for initiating the transfer of said financial tender value from said transferor credit card account to said transferee credit card account includes a computer controller; and
said means for identifying a transferor and a transferee credit card account and said means for identifying said financial tender value together include at least one input device connected to said computer controller.
4. A system in accordance with
claim 3
and further including means connected to said computer controller for communicating with issuing banks of said transferor and transferee credit card accounts.
5. A system in accordance with
claim 3
wherein said means for identifying a transferor and a transferee credit card account further comprises:
a transferor name;
an identifier representing at least a portion of a unique account number for said transferor credit card account; and
means for receiving said transferor name and said portion of said identifier.
6. A system in accordance with
claim 3
wherein said means for identifying a transferor and a transferee credit card account includes:
means for receiving a transferee identification number from said transferor; and
means for receiving a transferor credit card account number from said transferor,
and wherein said means for identifying said financial tender value includes
means for receiving said financial tender value from said transferor.
7. A system in accordance with
claim 3
wherein said means for identifying a transferor and a transferee credit card account includes:
means for receiving a transferor identification number from said transferee; and
means for receiving a transferee credit card account number from said transferee,
and wherein said means for identifying said financial tender value includes
means for receiving said financial tender value from said transferee.
8. A system in accordance with
claim 7
wherein said computer controller includes:
means for generating said transferor identification number; and
means for transmitting said transferor identification number to said transferor.
9. A system in accordance with
claim 3
wherein said means for obtaining a transferor and a transferee credit card account includes a single encrypted code containing at least a portion of a transferor credit card account number and at least a portion of a transferee credit card account number.
10. A system in accordance with
claim 9
wherein said single encrypted code further includes said financial tender value to be transferred from said transferor credit card account to said transferee credit card account.
11. A system in accordance with
claim 10
, wherein said computer controller includes means for generating said single encrypted code.
12. A method for transferring financial tender between credit card accounts, said method comprising the steps of:
identifying a transferor account and a transferee account;
identifying a financial tender value to be transferred from said transferor account to said transferee account; and
transferring said financial tender value from said transferor account to said transferee account,
wherein said transferor account and said transferee account are not commonly assigned.
13. A method in accordance with
claim 12
, wherein said step of transferring said financial tender value transfer includes the substeps of:
debiting said transferor account; and
crediting said transferee account.
14. A method in accordance with
claim 12
, wherein said step of initiating the transfer includes the substep of:
using a computer controller to initiate the transfer.
15. A method in accordance with
claim 14
, wherein said step of initiating the transfer further includes the substep of:
communicating said transferor and transferee accounts from the computer controller to issuing banks of said transferor and transferee accounts.
16. A method in accordance with
claim 14
, wherein said step of identifying a transferor and a transferee account includes the substeps of:
identifying a transferor name;
identifying an identifier representing at least a portion of a unique account number for said transferor account; and
receiving said transferor name and said identifier.
17. A method in accordance with
claim 14
, wherein said step of identifying a transferor and a transferee account includes the substeps of:
receiving a transferee identification number from said transferor; and
receiving a transferor account number from said transferor,
and wherein said step of identifying said financial tender value includes the substep of
receiving said financial tender value from said transferor.
18. A method in accordance with
claim 14
, wherein said step of identifying a transferor and a transferee account includes the substep of:
receiving a transferor identification number from said transferee; and
receiving a transferee account number from said transferee,
and wherein said step of identifying said financial tender value includes the substep of
receiving said financial tender value from said transferee.
19. A method in accordance with
claim 18
, wherein said step of receiving a transferor identification number includes the substeps of:
generating said transferor identification number with said computer controller, and
transmitting said transferor identification number to said transferor from said computer controller.
20. A method in accordance with
claim 14
, wherein said step of identifying a transferor and a transferee account include the substep of:
coding at least a portion of a transferor account number and at least a portion of a transferee account number as an encrypted code.
21. A method in accordance with
claim 20
, wherein said step of coding includes the substep of:
including said financial tender value to be transferred from said transferor account to said transferee account in said encrypted code.
22. A method in accordance with
claim 21
, wherein the step of coding includes the substep of:
generating said encrypted code with said computer controller.
23. A system for transferring financial tender value between credit card accounts, comprising:
an input means for receiving an identifier for a transferor account, an identifier for a transferee account, and an identification of a financial tender value to be transferred from said transferor account to said transferee account; and
a processor configured to initiate the transfer of said financial tender value from said transferor account to said transferee account.
24. A system in accordance with
claim 23
, wherein said processor includes:
means for initiating the debiting of said transferor account by said financial tender value; and
means for initiating the crediting of said transferee account for said financial tender value.
25. A system in accordance with
claim 23
wherein:
said processor includes a computer controller; and
said input means includes at least one input device connected to said computer controller.
26. A system in accordance with
claim 25
, further including means connected to said computer controller for communicating with issuing banks of said transferor and transferee accounts.
27. A system in accordance with
claim 25
wherein said input means includes:
means for receiving a transferor name and an identifier representing at least a portion of a unique account number for said transferor account from said transferee.
28. A system in accordance with
claim 25
wherein said input means includes:
means for receiving a transferee identification number from said transferor;
means for receiving a transferor account number from said transferor; and
means for receiving said financial tender value from said transferor.
29. A system in accordance with
claim 25
wherein said input means includes:
means for receiving a transferor identification number from said transferee;
means for receiving a transferee account number from said transferee; and
means for receiving said financial tender value from said transferee.
30. A system in accordance with
claim 29
wherein said computer controller includes:
means for generating said transferor identification number; and
means for transmitting said transferor identification number to said transferor.
31. A system in accordance with
claim 25
wherein said input means includes means for receiving a single encrypted code containing at least a portion of said transferor account number and at least a portion of said transferee account number.
32. A system in accordance with
claim 31
wherein said single encrypted code further includes said financial tender value to be transferred from said transferor account to said transferee account.
33. A system in accordance with
claim 31
wherein said computer controller includes means for generating said single encrypted code.
34. A computer program product comprising:
a computer usable medium having computer readable code embodied therein for transferring financial tender between credit card accounts, the computer usable medium comprising:
an input module configured to receive an identifier for a transferor account and a transferee account, and an identifier for a financial tender value to be transferred from said transferor account to said transferee account; and
a control module for initiating the transfer of said financial tender value from said transferor account to said transferee account.
35. A computer program product in accordance with
claim 34
, wherein said control module includes:
a debit module for initiating the debiting of said transferor account by said financial tender value; and
a credit module for initiating the crediting of said transferee account for said financial tender value.
36. A computer program product in accordance with
claim 34
, wherein said computer usable medium further comprises a communication module for communicating with issuing banks of said transferor and transferee accounts.
37. A computer program product in accordance with
claim 36
wherein said input module includes:
a receiver module for receiving a transferor name and an identifier representing at least a portion of a unique account number for said transferor account from said transferee.
38. A computer program product in accordance with
claim 34
wherein said input module includes:
a receiver module for receiving a transferee identification number from said transferor;
a receiver module for receiving a transferor account number from said transferor; and
a receiver module for receiving said financial tender value from said transferor.
39. A computer program product in accordance with
claim 34
wherein said input module includes:
a receiver module for receiving a transferor identification number from said transferee;
a receiver module for receiving a transferee account number from said transferee; and
a receiver module for receiving said financial tender value from said transferee.
40. A method for transferring financial tender between credit card accounts, said method comprising the steps of:
identifying a transferor and a transferee account;
issuing a transferee identification number based on said transferee account;
identifying a financial tender value to be transferred from said transferor account to said transferee account; and
transferring said financial tender value from said transferor account to said transferee account using said transferee identification number and said transferor account.
41. A method in accordance with
claim 40
, wherein said step of transferring said financial tender value includes the substep of:
receiving said transferee identification number, said transferor account, and said financial tender value from an owner of said transferor account.
42. A method in accordance with
claim 40
, wherein the step of transferring said financial tender value includes the substep of:
verifying said transferee identification number against said transferee account.
43. A method for transferring financial tender between credit card accounts, said method comprising the steps of:
identifying a transferor account and a transferee account;
issuing a transferor identification number based on said transferor account;
identifying a financial tender value to be transferred from said transferor account to said transferee account; and
transferring said financial tender value from said transferor account to said transferee account using said transferor identification number and said transferee account.
44. A method in accordance with
claim 43
, wherein said step of transferring said financial tender value includes the substep of:
receiving said transferor identification number, said transferee account, and said financial tender value from an owner of said transferee account.
45. A method in accordance with
claim 43
, wherein said step of transferring said financial tender value includes the substep of:
matching the transferor identification number with said transferor account.
46. A method for transferring financial tender between credit card accounts, said method comprising the steps of:
identifying a transferor account and a portion of a transferee account number corresponding to a transferee account;
identifying a financial tender value to be transferred from said transferor account to said transferee account;
issuing an encrypted identification number based on said transferor account, said portion of a transferee account number, and said financial tender value;
identifying said transferee account; and
transferring said financial tender value from said transferor account to said transferee account using said encrypted identification number and said transferee account.
47. A method in accordance with
claim 46
, wherein said step of transferring said financial tender value includes the substep of:
receiving said encrypted identification number and said transferee account from an owner of said transferee account.
48. A method in accordance with
claim 46
, wherein said step of transferring said financial tender value includes the substeps of:
decrypting said encrypted identification number; and
verifying decrypted information of said encrypted identification number based on a comparison of said portion of a transferee account number against a complete transferee account number corresponding to said transferee account.
49. A method of transferring financial tender between credit accounts, comprising the steps of:
identifying a first credit account having a first owner and a first credit limit;
identifying a second credit account having a second owner and a second credit limit;
identifying a financial tender value, consisting of a portion of said first credit limit, for transfer to said second credit account; and
increasing said second credit account by said financial tender value.
50. A method in accordance with
claim 49
, wherein said step of identifying a financial tender value includes the substep of
receiving an authorization code identifying said financial tender value.
51. A method in accordance with
claim 50
, further comprising the steps of:
receiving from said first owner information identifying said first credit account, said second credit account, and said financial tender value;
generating said authorization code; and
providing said authorization code to said first owner.
52. A method in accordance with
claim 49
, further comprising the step of:
decreasing said first credit limit by said financial tender value transferred to said second credit account.
53. A method in accordance with
claim 49
, further comprising the step of:
maintaining an electronic record indicating that the debt obligation for financial tender value transferred to said second credit card account is maintained by said first owner.
54. A method in accordance with
claim 49
, wherein said first credit account and said second credit account each comprise a respective credit card account.
55. A method in accordance with
claim 54
, wherein said first credit account and said second credit card account each comprise a respective revolving credit card account.
56. A method of transferring financial tender value between credit accounts, comprising the steps of:
identifying a first credit account having a first owner and a first credit limit;
identifying a second credit account having a second owner and a second credit limit;
identifying a financial tender value, consisting of a portion of said first credit limit, for transfer to said second credit account;
initiating the transfer of said financial tender value to said second credit account; and
maintaining the debt obligation with said first owner for said first portion of said first credit limit transferred to said second credit account.
57. A method in accordance with
claim 56
, wherein said step of initiating the transfer includes the substep of:
providing an authorization code to an issuer of said first credit account.
58. A method of increasing an established line of credit, comprising the steps of:
identifying a first credit account having a first owner and a first credit limit;
identifying a second credit account having a second owner and a second credit limit; and
receiving from said first credit account a financial tender value, consisting of a portion of said first credit limit, added to said second credit limit, the debt obligation for said financial tender value remaining with said first owner.
59. A method in accordance with
claim 58
, further comprising the step of:
using said financial tender value in a transaction.
60. A method in accordance with
claim 58
, further comprising the step of:
initiating the transfer of said financial tender value to said second credit account
61. A method in accordance with
claim 60
, wherein the step of initiating the transfer includes the substep of:
providing an authorization code to an issuer of said first credit account.
62. A method of transferring financial tender value between credit accounts, comprising the steps of:
identifying a first credit account having a first owner and a first credit limit;
identifying a financial tender value, consisting of a portion of said first credit limit, for transfer to said second credit account; and
issuing an encrypted code based on said first credit account and said financial tender value;
identifying a second credit account having a second owner and a second credit limit; and
increasing said second credit account by said financial tender value using the encrypted code.
63. A method of transferring financial tender value between credit accounts, comprising the steps of:
identifying a first credit account having a first owner and a first credit limit;
identifying a portion of a second credit account number of a second credit account having a second owner and a second credit limit;
identifying a financial tender value, consisting of a portion of said first credit limit, for transfer to said second credit account; and
increasing said second credit account by said financial tender value using said first credit account and said portion of a second credit account number of said second credit account.
Description
    BACKGROUND OF THE INVENTION
  • [0001]
    A. Field of the Invention
  • [0002]
    The present invention relates generally to the field of funds and/or credit line transfers and, more particularly, to funds and/or credit line transfers between credit card accounts.
  • [0003]
    B. Description of the Related Art
  • [0004]
    People exchange money using a variety of methods. For example, in lieu of paying cash for goods and services, people often choose to pay for such purchases using credit cards or checks. In a typical credit card transaction, a merchant calculates the amount of a purchase and asks the buyer for payment. The buyer then presents the merchant with a credit card. The merchant runs the credit card through a point of sale unit with the amount of the sale either entered either manually or automatically by a cash register. Once entered, the merchant's acquiring bank, or credit card processor, receives the credit card data and sales amount with a request for authorization of the sale. The credit card data includes the credit card number, which identifies the type of card, the issuing bank, and the cardholder's account.
  • [0005]
    After processing the transaction, the acquiring bank routes an authorization request to the buyer's credit card issuing bank. If the cardholder has enough credit to cover the sale, the issuing bank authorizes the transaction and generates an authorization code. The issuing bank sends this code to the acquiring bank and puts a hold on the cardholder's account for the amount of the sale. Based on the code received from the issuing bank, the acquiring bank sends an approval or denial code to the merchant's point of sale unit, which has a separate terminal identification number to enable credit card processors to route data back to the particular unit. The point of sale unit or cash register then prints out a sales draft or slip to be signed by the buyer, which obligates the buyer to reimburse the card-issuing bank for the amount of the sale.
  • [0006]
    At a later time, generally the end of the day, the merchant reviews all authorizations stored in the point of sale unit against the signed sales drafts. When all the credit card authorizations have been verified to match all the actual sales drafts, the merchant captures, or transmits, the data on each authorized credit card transaction to the acquiring bank for deposit. This action is in lieu of depositing the actual signed paper drafts with the bank.
  • [0007]
    The acquiring bank performs an interchange for each sales draft with the appropriate card-issuing bank. The card-issuing bank transfers the amount of the sales draft to the acquiring bank, minus an interchange fee, which is typically between 2-4% of the transaction value. The acquiring bank then deposits the amount of all the sales drafts submitted by the merchant, less a discount fee, into the merchant's bank account.
  • [0008]
    To confirm validity of a credit card, the issuing bank reviews the credit card account number using a checksum algorithm that prevents others from creating valid account numbers. For example, a standard Visa or MasterCard account number is 16 digits and the algorithm reduces the probability of someone fraudulently creating a valid number to approximately 1 in 500,000.
  • [0009]
    Due to the perceived risk of fraud and the potential for monetary loss, most consumers prefer not to provide credit card account numbers to another person, particularly when the consumer has no way of knowing the identity or trustworthiness of the recipient of this information. Many consumers thus hesitate to use a credit card for telephone orders, such as catalog orders, for fear that some catalog company operators may misuse their card number.
  • [0010]
    Credit card institutions also offer so-called “convenience checks.” Convenience checks can be used to purchase goods and services in the same manner as a conventional check, except that the convenience check clears against the cardholder's available credit line. The convenience check amount is generally recorded as a cash advance on the cardholder's monthly billing statement.
  • [0011]
    Credit cards today have become a pervasive method of payment for goods and services. They not only offer convenience, security, and flexibility in the commercial transaction process, but also provide some limited flexibility in the assignment of debt obligation. For example, it is well known in the art that credit card holders are free to transfer debt between accounts, thereby taking advantage of different account features, such as lower interest rates. Such transfers are typically done by paying off the old account with a convenience check or electronic funds transfer, which draws the old account balance onto the new credit card account.
  • [0012]
    Credit card companies also offer limited-use credit cards that permit employees to charge debt against a company account. For example, when relocating employees, some companies pay relocation expenses by issuing a credit card on the company's account with a predetermined credit limit for the card. The employee may use the card for purchases and cash advances up to the limit. The corporation maintains liability for the account debt, thus essentially taking the responsibility of paying the relocation expenses.
  • [0013]
    Credit card companies also offer co-signed accounts and accounts with multiple, or supplemental, cards. With co-signed accounts, a co-signer assumes direct liability for any credit card debt reneged on by the principal cardholder. Supplemental card systems permit a principal account owner to provide cards issued on the same account to other family members. The principal account owner maintains liability for all debt accrued by the other users. Similar to supplemental cards, corporate cards provide employees with access to a corporate credit line and the corporation maintains liability for all debt accrued by the employees.
  • [0014]
    For the limited-use, co-signed, supplemental, and corporate credit card accounts, unused available credit line represents a level of risk exposure by the party liable for the debt. For example, available credit could be misused by the employee or by a thief if the card is lost or stolen. In fact, many corporate cards have higher risk exposure than consumer cards, in part because many state and federal laws limiting liability apply to consumer-issued cards, but not to corporate-issued cards.
  • [0015]
    Besides credit cards, another widely-used payment method involves the use of personal checks. Consumers use personal checks to settle debts, pay bills, or make a variety of purchases. In general, banks issue personal checks to consumers following the establishment of an account with the bank. The bank, however, typically requires that consumers have sufficient funds in their accounts to cover all payments made using personal checks.
  • [0016]
    Banks also provide consumers with the option of using “certified checks” or “bank checks” as a payment method. With a certified check, a bank prints special indicia on a personal check that verifies that the bank has segregated sufficient funds in the consumer's account to cover the value of the check. The bank will not release those funds to anyone other than the check's presenter except under narrow and defined circumstances, e.g., proof the check was destroyed or lost. Certified checks provide the transferee with a high degree of confidence that the check can be cashed for the value stated on its face.
  • [0017]
    Bank checks are drawn on the bank's own account instead of a consumer's account. It is made out to a transferee specified by the party who paid the bank in advance for the value of the check. Unlike certified checks that are returned to the transferor after being cashed, bank checks are returned to the bank because they are drawn on the bank's own account. Bank checks can be used, for example, when the issuing party does not want to reveal his identity, or when the receiving party wants to minimize the chance of revocability.
  • [0018]
    Another method of transferring money involves the use of money orders. A money order is very similar to a bank check except that it is issued by a non-bank party such as a post office. Alternatively, people transfer funds by “wiring” money. To wire money, a consumer pays a fee and prepays a third-party to instruct a distant party to disburse an amount of money (usually cash) to a specified person. Electronic funds transfer (EFT) offers yet another method for parties to transfer money. EFT involves securely moving money from one account directly to another electronically.
  • [0019]
    These methods for exchanging or transferring money suffer from a number of shortcomings. For instance, not one of these conventional methods permits a direct exchange of credit where the credit card of the transferor is debited while the credit card of the transferee is credited in settlement of the transferor's debt to the transferee.
  • [0020]
    Even if the transferor uses a convenience check in settlement of the debt, the non-merchant transferee has no way to know whether the transferor has sufficient credit available to cover the value of the check. Also, even if the transferee could know that sufficient credit was available at the time the check was presented, the available credit could be fully or partially used by the transferor before the check is processed.
  • [0021]
    Another shortcoming of conventional payment schemes is that, except for cash, there is no way for one person to pay another person so that the transferee is able to use the value transferred without first processing the transfer instrument by, for example, depositing the instrument with a bank or converting it into cash. In other words, the recipient of a check must convert the check into cash or deposit the check in a bank account before withdrawing cash or writing checks against the transferred value.
  • [0022]
    There are some narrowly usable instruments such as gift certificates or casino chips which are bearer instruments of value, and thus do not require conversion prior to use. These instruments, however, are denominated in specified amounts and are not widely usable like cash or a credit card. This same limitation holds true for bank checks, certified checks and money orders. Only wiring money to another party allows the recipient to receive cash immediately, though he must first travel to a location where an agent of the wiring process is available to disburse funds.
  • [0023]
    Another shortcoming, particularly with respect to credit cards, is that a cardholder's unused credit line has no resalable value. In a strict financial sense, unused credit capacity is an economic asset (borrowing capability) that has value, particularly if the unused money is below current market rates. For example, if a consumer has a $5,000 credit line on his credit card at an introductory rate of 6%, the consumer might desire to use $1,000 of the line himself and use the other $4,000 of the line to relend to another borrower at an interest rate higher than 6%, keeping the interest rate differential as a profit. However, currently there is no way for a cardholder to use his unused credit line as a revenue generating asset because the credit line is irrevocably assigned to a given card and cannot be transferred in any way.
  • [0024]
    In addition, with respect to limited-use, co-signed, supplemental, and corporate credit card accounts, there is no way for the party liable for the debt, such as a company, to enable a cardholder, such as an employee, to increase or decrease credit available on a given credit card as needed and authorized by the company. Also, there is no way for an individual to assign part of his available credit line to another card for specific reasons
  • SUMMARY OF THE INVENTION
  • [0025]
    Systems consistent with the present invention allow a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting the credit card of the transferee. Payment of a financial tender value, such as funds and partial credit lines, in an amount of value up to the available credit line of the transferor can be transferred to the transferee. The transfer of the financial tender value permits the transferee to access the transferred money or credit line immediately after the completion of the transfer. Neither party needs to give their complete credit card number to the other, so security is preserved. Prior to a transfer of a financial tender value, the validity of the transferor's credit card and the availability of sufficient credit is confirmed. The system thus provides a great deal of convenience to parties and enables a transferor and transferee to make a transfer of financial tender in lieu of checks.
  • [0026]
    Systems consistent with the present invention benefit card issuers by facilitating increased card usage through providing further opportunities for parties to use their credit cards. In addition, credit card issuers will benefit from increased charge volume at a reduced risk, and potentially from fees for providing the transfer service as well.
  • [0027]
    The following description, as well as the practice of the invention, set forth and suggest additional advantages and purposes of this invention. The elements and combinations set forth in the claims achieve these advantages and purposes.
  • [0028]
    To obtain the advantages and in accordance with the purpose of the invention, as embodied and broadly described herein, a method for transferring credit between multiple credit card accounts comprises the steps of: identifying a transferor credit card account; identifying a transferee credit card account; identifying a financial tender value to be transferred from said transferor credit card account to said transferee credit card account; and initiating the transfer of said financial tender value from said transferor credit card account to said transferee credit card account.
  • [0029]
    Both the foregoing general description and the following detailed description provide examples and explanations only. They do not restrict the claimed invention.
  • DESCRIPTION OF THE DRAWINGS
  • [0030]
    The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and, together with the description, explain the advantages and principles of the invention. In the drawings,
  • [0031]
    [0031]FIG. 1 is a block diagram of an implementation of a financial tender value transferring system consistent with the present invention;
  • [0032]
    [0032]FIG. 2 is a block diagram of a central controller;
  • [0033]
    [0033]FIG. 3 is a block diagram of a credit card issuer controller;
  • [0034]
    [0034]FIG. 4 is a table representing a customer database;
  • [0035]
    [0035]FIG. 5 is a table representing a transaction database;
  • [0036]
    [0036]FIG. 6 is a table representing a customer account database;
  • [0037]
    [0037]FIG. 7 is a table representing a financial tender transfer database;
  • [0038]
    [0038]FIGS. 8A and 8B are flowcharts representing the operation of the financial tender value transferring system of FIG. 1;
  • [0039]
    [0039]FIG. 9 is a block diagram of another implementation of a financial tender value transferring system consistent with the present invention;
  • [0040]
    [0040]FIGS. 10A and 10B are flowcharts representing the operation of the financial tender value transferring system of FIG. 9;
  • [0041]
    [0041]FIG. 11 is a block diagram of another implementation of a financial tender value transferring system consistent with the present invention;
  • [0042]
    [0042]FIGS. 12A and 12B are flowcharts representing the operation of the financial tender value transferring system of FIG. 11;
  • [0043]
    [0043]FIG. 13 is a block diagram of another implementation of a financial tender value transferring system consistent with the present invention;
  • [0044]
    [0044]FIGS. 14A and 14B are flowcharts representing the operation of the financial tender value transferring system of FIG. 13;
  • [0045]
    [0045]FIG. 15 is a block diagram of an implementation of a financial tender value transferring system consistent with the present invention;
  • [0046]
    [0046]FIG. 16 is a block diagram of another implementation of a credit card issuer controller;
  • [0047]
    [0047]FIG. 17 is a table representing a customer account database;
  • [0048]
    [0048]FIG. 18 is a table representing a transaction database;
  • [0049]
    [0049]FIG. 19 is a table representing a financial tender transfer database;
  • [0050]
    [0050]FIGS. 20A and 20B are flowcharts representing the operation of the financial tender value transferring system of FIG. 15;
  • [0051]
    [0051]FIG. 21 is a block diagram of another implementation of a financial tender value transferring system consistent with the present invention; and
  • [0052]
    [0052]FIGS. 22A, 22B, and 22C are flowcharts representing the operation of the financial tender transferring system of FIG. 21.
  • DESCRIPTION OF THE PREFERRED IMPLEMENTATION
  • [0053]
    Reference will now be made to various embodiments according to this invention, examples of which are shown in the accompanying drawings and will be obvious from the description of the invention. In the drawings, the same reference numbers represent the same or similar elements in the different drawings whenever possible.
  • [0054]
    1. Preferred Implementations for Funds Transfers
  • [0055]
    [0055]FIG. 1 is a block diagram of an implementation of a financial tender transfer system 100 consistent with the present invention. This implementation is particularly useful for executing funds transfers, such as between a buyer and a seller of an item, because, as described below, it provides a simple method for making a payment. Financial tender transfer system 100 includes a transferor 110, a transferee 120, a central controller 130, and multiple credit card issuers 140. Financial tender includes funds and/or credit lines. Thus, the transfer of financial tender can refer to the transfer of funds, the transfer of credit, or both.
  • [0056]
    In a funds transfer, transferor 110 is the buying or paying party. Transferor 110 has his 10 credit card debited by a particular transfer amount to make a purchase or pay off a debt. The transfer amount appears as a conventional transaction entry, with a corresponding transaction description of the purchase. The transferor's available credit line decreases by the transfer amount. Transferor 110 is liable to pay this amount as a conventional charge. However, the original credit line on the card remains the same.
  • [0057]
    Transferee 120 is the selling party, or the party getting credit for payment of a debt of transferor 110. The transferee's credit card account is credited for the payment by transferor 110 in essentially the same manner as a credit appears when merchandise is returned. This credit can be used to offset other incurred charges on transferee's account or can be withdrawn from the account as cash at an Automated Teller Machine (ATM). The original credit line remains the same, but the available credit line increases in the same amount as the transfer amount. Credit card issuers 140 issue credit cards and thus give credit to transferor 110 and transferee 120. Although FIG. 1 shows only three credit card issuers, systems consistent with the present invention may be implemented with at least one or more credit card issuers.
  • [0058]
    Central controller 130 is a credit card financial tender transfer service to facilitate the transaction between transferor 110 and transferee 120. Central controller 130 controls the transfer of financial tender from an account corresponding to the credit card of transferor 110 to an account corresponding to the credit card of transferee 120. This function may be performed by the credit card issuing banks, a credit card processor linked to the credit card issuing banks, a trusted clearing house for credit card funds and/or credit line transfers, or any third party that can access the credit card system to debit one credit card account and credit another given account. Central controller 130 accesses credit card issuers 140 to determine the validity of the credit card accounts, confirm availability of credit, and debit and credit the respective accounts.
  • [0059]
    [0059]FIG. 2 is a detailed block diagram of central controller 130. Central controller 130 includes a microprocessor or central processing unit (CPU) 210 coupled to a random access memory (RAM) 215, a read only memory (ROM) 220, a clock 225, a communication port 230, and a data storage device 245. Communication port 230 couples CPU 210 to a bank system interface 235. Bank system interface 235 couples central controller 130 to credit card issuers 140 (not shown). An optional cryptographic processor 240, such as the MC68HC16 manufactured by Motorola, generates an encrypted identification (ID) number to provide for a secure transaction and applies to implementations described below. Symmetric cryptography is preferably employed. The use of cryptography provides a single use transaction ID that incorporates a date and time into the ID, that in turn guarantees a unique ID for every transaction. The system prevents multiple uses of encrypted transaction IDs by only allowing each unique ID to be used once. Data storage device 245 includes a customer database 250 and a transaction database 255.
  • [0060]
    [0060]FIG. 3 is a detailed block diagram of a credit card issuer controller 300 employed by one of the credit card issuers 140. Credit card issuer controller 300 includes a microprocessor or CPU 310 coupled to a RAM 315, a ROM 320, a clock 325, a communication port 330, a cryptographic processor 340, and a data storage device 345. Communication port 330 couples CPU 310 to a central controller interface 335. Central controller interface 335 couples credit card issuer controller 300 to central controller 130 (not shown). Optional cryptographic processor 340 generates the encrypted ID number to provide for the secure transaction. Symmetric cryptography is preferably employed. The use of cryptography provides a single use transaction ID that incorporates a date and time into the ID, that in turn guarantees a unique ID for every transaction. The system prevents multiple uses of encrypted transaction IDs by only allowing each unique ID to be used once. Data storage device 345 includes a financial tender transfer database 350 and customer account database 355.
  • [0061]
    [0061]FIG. 4 is a table illustrating an example of customer database 250. Customer database 250 holds data for each customer registered with central controller 130. The data for each customer includes the customer's name, ID number, credit card type, full credit card number, partial credit card number (last six digits or portion of full number), expiration data, and bank ID number.
  • [0062]
    [0062]FIG. 5 is a table illustrating an example of transaction database 255. Transaction database 255 retains information of each transaction conducted through central controller 230. In particular, the information held in transaction database 255 includes the transaction ID number, time and date of the received transaction, transaction amount, transferor and transferee customer ID numbers, transferor and transferee bank completion codes, and time and date of the completed transaction.
  • [0063]
    [0063]FIG. 6 is a table illustrating an example of customer account database 355. Customer account database 355 records customer information for each credit card holder holding a credit card from the particular credit card issuer 140. The customer information held in credit card holder database 355 includes the customer account number, the name of the customer, the customer's address and phone number, the original credit line amount, and the available credit line.
  • [0064]
    [0064]FIG. 7 is a table illustrating an example of financial tender transfer database 350. This database holds information for each transaction conducted by a particular credit card issuer 140. The information held includes the transaction ID number, the time and date of the transaction, transaction amount, transaction type, and credit card number.
  • [0065]
    A. General Funds Transfers
  • [0066]
    [0066]FIGS. 8A and 8B are flowcharts of the steps employed by financial tender transfer system 100 in accordance with the implementation shown in FIG. 1. First, transferor 110 provides transferee 120 the last 6 digits or a specified portion of his credit card account number, his name as it appears on the card, and the expiration date (step 810). Transferee 120 contacts central controller 130 and navigates through a menu, which may be implemented using an Interactive Voice Response Unit (IVRU), to provide transaction information, including the amount to be transferred, the credit card account data from transferor 110, and credit card account information for transferee 120, including credit card account number to be used, and expiration date of the credit card of transferee 120 (step 815). Central controller 130 transmits the transaction information to credit card issuers 140 for transferor 110 and transferee 120 (step 820).
  • [0067]
    Credit card issuers 140 for transferor 110 and transferee 120, respectively, execute the transaction in the following steps. First, each looks up the complete credit card information of transferor 110 and transferee 120, respectively (step 825). The credit card issuer 140 for transferor 110 determines whether the partial credit card account number of transferor 110 obtained from central controller 130 corresponds to the information available within its customer account database 355 to correctly identify the transferor's credit card account (step 830). If the information does not match, the transaction is aborted (step 835). Credit card issuer 140 for transferor 110 then verifies the validity of the transferor credit card account (step 840) and aborts the transaction if the transferor credit card account is invalid (step 845), and also confirms that sufficient credit is available in the credit card account of transferor 110 (step 850) and aborts the transaction if transferor 110 has insufficient credit (step 855). Finally, credit card issuer 140 for transferee 120 checks the validity of the credit card of transferee 120 (step 860) and aborts the transaction if it is invalid (step 865).
  • [0068]
    If the conditions described above are met, credit card issuers 140 for transferor 110 and transferee 120 debit the transferor's credit card account and credit the transferee's credit card account, respectively. In particular, transferor's available credit line decreases by the transfer amount for which transferor 110 is liable to pay as a conventional charge. In addition, the transfer amount appears as a credit in transferee's credit account such that transferee's available credit line increases in the same amount as the transfer amount. Each credit card issuer 140 also reflects the result of the transaction in its respective financial tender transfer database 350 (step 870). Credit card issuers 140 for transferor 110 and transferee 120 then send confirmations to central controller 130 that the transaction has been executed (step 875). Central controller 130 subsequently sends a confirmation to transferee 120 that the transaction has been executed (step 880). Central controller 130 also updates transaction database 255 with the transaction information.
  • [0069]
    This implementation provides a simple method for executing the funds transfer between transferor 110 and transferee 120. In particular, only one party needs to access central controller 130. In addition, the transferee cannot repudiate the transaction because the transaction is executed when transferee 120 contacts central controller 130. For example, transferor 110 is required to provide transferee 120 with a specified portion of transferor's credit card number. Alternative implementations described below provide additional security features.
  • [0070]
    B. Payment of Debt
  • [0071]
    [0071]FIG. 9 is a block diagram of another implementation of financial tender transfer system 100 consistent with the invention. This implementation is preferably practiced in cases where a transferee is owed money by a transferor and provides enhanced security features by eliminating the need for either party to provide credit card information to the other party. As an alternative to writing a check to the transferee, the transferor settles his debt by receiving an identification number from the transferee and calling, for example, a toll free number to access central controller 130 to conduct the transaction described below with reference to FIGS. 10A and 10B. Similar to FIG. 1, financial tender transfer system 100 of FIG. 9 includes a transferor 110, a transferee 120, a central controller 130, and multiple credit card issuers 140.
  • [0072]
    [0072]FIGS. 10A and 10B are flowcharts of the steps employed by financial tender transfer system 100 in accordance with the implementation shown in FIG. 9. First, transferee 120 registers with central controller 130 operated by a trusted third party by providing it with relevant credit card information including the transferee's name and the transferee's credit card number and expiration date (step 1010). Central controller 130 records this information in customer database 250 and issues a Transferee Identification (ID) Number to transferee 120 (step 1015). Transferee 120 then provides this Transferee ID Number to transferor 110 (step 1020). After receiving the Transferee ID Number, transferor 110 contacts central controller 130 and navigates through a menu to provide transaction information, including the amount to be transferred, the credit card account information for transferor 110, including name, credit card number, and expiration date, and the Transferee ID Number (step 1025).
  • [0073]
    Central controller 130 looks up and matches the transferee credit card account information -with the Transferee ID Number in customer database 250 (step 1030) and aborts the transaction if the information fails to match (step 1035). Central controller 130 then transmits the identified transferee credit card information along with the above transferor credit card information and the transaction information of transferor 110 and transferee 120 to credit card issuers 140 for transferor 110 and transferee 120 (step 1040).
  • [0074]
    After receiving the information from central controller 130, credit card issuers 140 for transferor 110 and transferee 120, respectively, execute the transaction in the following steps. First, credit card issuer 140 for transferor 110 verifies the validity of the transferor's credit card account (step 1045) and aborts the transaction if it is invalid (step 1050). Credit card issuers 140 for transferor 110 also determines if transferor 110 has sufficient credit (step 1055) and aborts the transaction if transferor 110 lacks sufficient credit (step 1060). Finally, credit card issuer 140 for transferee 120 verifies the validity of the transferee's credit card account (step 1065) and aborts the transaction if it is invalid (step 1070).
  • [0075]
    Assuming the transaction is valid, credit card issuers 140 for transferor 110 and transferee 120 debit the transferor's credit card account and credit the transferee's credit card account, respectively. In particular, transferor's available credit line decreases by the transfer amount for which transferor 110 is liable to pay as a conventional charge. In addition, the transfer amount appears as a credit in transferee's credit account such that transferee's available credit line increases in the same amount as the transfer amount. Each credit card issuer 140 also updates its respective financial tender transfer database 350 to reflect the completed transaction (step 1075). Credit card issuers 140 for transferor 110 and transferee 120 then confirm the transaction with central controller 130, which in turn sends a confirmation to transferee 120 that the transaction has been executed (step 1080). Central controller 130 also records the transaction information in transaction database 255.
  • [0076]
    This implementation provides more security than the implementation described in connection with FIG. 1. For example, neither party needs to provide any portion of a credit card number to the other party. Also, since transferor 110 executes the transaction, transferee 120 will be unable to overcharge transferor 110 by transferring more than the agreed upon funds.
  • [0077]
    C. Purchase of Goods or Services
  • [0078]
    [0078]FIG. 11 is a block diagram of another implementation of financial tender transfer system 100. This implementation is preferably practiced in cases where transferor 110 is buying goods or services from transferee 120 and also provides enhanced security features by eliminating the need for either party to provide credit card information to the other party. As an alternative to providing a portion of credit card number to transferee 120, transferor 110 provides a Transferor ID Number to transferee 120 and transferee 120 contacts central controller 130 by, for example, calling a toll free number, to conduct the transaction described below with reference to FIGS. 12A and 12B. Like FIG. 1, financial tender transfer system 100 of FIG. 11 includes a transferor 110, a transferee, 120, a central controller 130, and a plurality of credit card issuers 140.
  • [0079]
    [0079]FIGS. 12A and 12B are flowcharts of the steps employed by financial tender transfer system 100 in accordance with the implementation shown in FIG. 11. First, transferor 110 registers with central controller 130 operated by a trusted third party by providing it with relevant credit card information, including transferor's name and transferor's credit card number and expiration date (step 1210). Central controller 130 records this information in customer database 250 and issues a Transferor Identification Number (ID Number) to transferor 110 (step 1215). Transferor 110 then provides transferee 120 with the Transferor ID Number (step 1220). Transferee 120 subsequently contacts central controller 130 and navigates through a menu to provide the transaction information, including the amount to be transferred, the Transferor ID Number, and the credit card account information for transferee 120, including name, credit card number, and expiration date (step 1225). Central controller 130 identifies and matches the transferor credit card account information with the transferor ID Number in customer database 250, and transmits the identified transferor credit card information along with the above transferee credit card information and the transaction information of transferor 110 and transferee 120 to credit card issuers 140 for transferor 110 and transferee 120 (step 1230).
  • [0080]
    After receiving the information from central controller 130, credit card issuers 140 for transferor 110 and transferee 120, respectively, execute the transaction in the following steps. First, credit card issuer 140 for transferor 110 verifies the validity of the transferor's credit card account (step 1235) and aborts the transaction if it is invalid (step 1240). Credit card issuer 140 for transferor 110 also determines if transferor 110 has sufficient credit (step 1245) and aborts the transaction if transferor 110 lacks sufficient credit (step 1250). Finally, credit card issuer 140 for transferee 120 verifies the validity of the transferee's credit card account (step 1255) and aborts the transaction if it is invalid (step 1260).
  • [0081]
    Assuming the transaction is valid, credit card issuers 140 for transferor 110 and transferee 120 debit the transferor's credit card account and credit the transferee's credit card account, respectively. In particular, transferor's available credit line decreases by the transfer amount for which transferor 110 is liable to pay as a conventional charge. In addition, the transfer amount appears as a credit in transferee's credit account such that transferee's available credit line increases in the same amount as the transfer amount. Each credit card issuer 140 also updates its respective financial tender transfer database 350 to reflect the completed transaction (step 1265). Credit card issuers 140 for transferor 110 and transferee 120 then confirm the transaction with central controller 130 (step 1270), which sends a confirmation to transferee 120 that the transaction has been executed (step 1275). Central controller 130 also updates transaction database 255 to reflect the transaction. As explained above, this implementation also provides more security than the implementation described in connection with FIG. 1 since neither party provides any portion of a credit card number to the other party.
  • [0082]
    D. Secure Transactions
  • [0083]
    [0083]FIG. 13 is a block diagram of another implementation of financial tender transfer system 100. -This implementation is preferably practiced for transactions between transferor 110 and transferee 120 that require a high level of security because it provides a cryptographically secure, non-reputable, authenticatable credit card funds and/or credit line transfer from transferor 110 to transferee 120 via central controller 130. Like FIG. 1, financial tender transfer system 100 of FIG. 13 includes a transferor 110, a transferee 120, a central controller 130, and a plurality of credit card issuers 140.
  • [0084]
    [0084]FIGS. 14A and 14B are flowcharts of the steps employed by financial tender transfer system 100 in accordance with the implementation shown in FIG. 13. First, transferee 120 provides transferor 110 with the last 6 digits or some specified portion of his credit card number, his name, and the name of transferee's credit card issuer (step 1410). Transferor 110 registers the credit card transaction to be effected with central controller 130 operated by a trusted third party by providing it with information including transferor information, such as transferor's name, transferor's credit card account number and expiration date, transferee information, such as transferee's name and the last 6 digits of transferee's credit card account number, and the transaction information, such as the amount to transfer. The date and time of registration are also recorded by central controller 130 (step 1415). Central controller 130 records the transferor information in customer database 250 and issues an encrypted Identification Number (ID Number), to transferor 110 (step 1420). This encrypted ID Number contains all the information provided to central controller 130 including the date and time information. The encrypted ID Number denotes the intention of transferor 110 to pay the transfer amount to transferee 120. The ID Number is encrypted by using a cryptographic key (issuer key) available to all issuers participating in the system. Any conventional cryptography protocol can be used. The practice of using cryptographic protocols to ensure the authenticity of senders as well as the integrity of messages is well known in the art and need not be described here in detail. For reference, one of ordinary skill in the art may refer to Bruce Schneier, Applied Cryptography, Protocols, Algorithms, And Source Code In C, (2d Ed, John Wiley & Sons, Inc., 1996). Alternatively, central controller 130 may issue a non-encrypted ID Number that is preferably a pointer to all the information given to central controller 130.
  • [0085]
    Transferor 110 provides transferee 120 with the encrypted ID Number (step 1425). Transferee 120 then contacts central controller 130 and provides the encrypted ID Number and transferee's name and transferee's full credit card account number (step 1430). Central controller 130 decrypts the ID Number with the issuer key and matches the decrypted name of transferee 120 and the last 6 digits of transferee's credit card with information input by transferee 120 (step 1435). Central controller 130 then transmits the identified transferee credit card information along with the above transferor credit card information and the transaction information of transferor 110 and transferee 120 to credit card issuers 140 for transferor 110 and transferee 120 (step 1440).
  • [0086]
    After receiving the information from central controller 130, credit card issuers 140 for transferor 110 and transferee 120, respectively, execute the transaction in the following steps. First, credit card issuer 140 for transferor 110 verifies the validity of the transferor's credit card account (step 1445) and aborts the transaction if it is invalid (step 1450). Credit card issuer 140 for transferor 110 also determines if transferor 110 has sufficient credit (step 1455) and aborts the 20 transaction if transferor 110 lacks sufficient credit (step 1460). Finally, credit card issuer 140 for transferor 120 verifies the validity of the transferee's credit card account (step 1465) and aborts the transaction if it is invalid (step 1470).
  • [0087]
    Assuming the transaction is valid, credit card issuers 140 for transferor 110 and transferee 120 debit the transferor's credit card account and credit the transferee's credit card account, 25 respectively (step 1475). In particular, transferor's available credit line decreases by the transfer amount for which transferor 110 is liable to pay as a conventional charge. In addition, the transfer amount appears as a credit in transferee's credit account such that transferee's available credit line increases in the same amount as the transfer amount. Each credit card issuer 140 also updates its respective financial tender transfer database 350 to reflect the completed transaction. Credit card issuers 140 for transferor 110 and transferee 120 then confirm the transaction with central controller (step 1480), which sends a confirmation to transferee 120 that the transaction has been executed (step 1485). Central controller 130 also updates transaction database 255 to reflect the completed transaction.
  • [0088]
    In this implementation, transferee 120 cannot misuse the transferor's ID Number by repeating the transaction multiple times because the Transferor ID Number is a single use, transaction specific ID Number which incorporates the date, the time, and the amount of the transaction. At the same time, transferor 110 cannot repudiate intent to pay once transferor 110 gives the ID Number to transferee 120. Hence, the transaction is limited to a one-time use because the ID Number is a proxy for an authorization to transferee 120 to effect a deposit of the transaction amount into the designated transferee credit card account. The ID Number is useful only to transferee 120 because of the matching performed by central controller 140. Hence, this is a secure transaction.
  • [0089]
    In any of the above implementations, transaction information can also be exchanged via the -Internet. When the Internet is used, transferee 120 or transferor 110 access central controller 130 through a web-site to input transaction information via a secure Internet transmission protocol to enable financial tender transactions, such as the transfer of funds and/or credit line amounts, as described above. Information transaction between central controller 130 and the issuing banks may be encrypted for security. In all cases, any issuing bank can abort a transaction because of the various verifications that are performed. The abort transaction information is transmitted to central controller 130 which then transmits this information to the transferee/transferor.
  • [0090]
    2. Preferred Implementations for Credit Line Transfers
  • [0091]
    In addition to funds transfers for debiting and crediting a transferor and transferee account, respectively, systems consistent with the present invention can also execute credit line transfers. In a credit line transfer, the transfer amount appears as a conventional transaction entry in transferor's account, with a transaction description stating “credit line transfer to transferee's account.” In contrast to a funds transfer, transferor's available credit line and transferor's original credit line decrease by the transfer amount. Transferor 110 may be charged a service fee, but otherwise no charge is incurred.
  • [0092]
    The transfer amount is added to the original credit line of transferee's account. Thus, the available credit line increases in the same amount as the transfer amount. If transferee 120 defaults or becomes bankrupt, transferee's credit card issuer can claim up to the credit line transfer amount from transferor's credit card issuer, who then claims the same from transferor 110. While the credit line increases, there is no dollar credit applied as with the funds transfer situation described above.
  • [0093]
    The credit line transfers will be for a certain dollar amount and a specified time. After the specified time, the credit line transferred will automatically revert to the original transferor. When the transfer is made, transferee 120 has the option to use the transferred credit line. Transferee's credit card issuer can track the usage on the original authorized credit line and the transferred credit line either jointly or separately and reflect the same on a monthly billing statement to transferee 120.
  • [0094]
    A. Secure Transactions
  • [0095]
    [0095]FIG. 15 is a block diagram of an implementation of a financial tender transfer system 1500 consistent with the invention. This implementation is preferably practiced for credit line transfers, as well as funds transfers, between transferor 110 and transferee 120 that require a high level of security because it provides a cryptographically secure, non-repudiatable, authenticatable credit line transfer from transferor 110 to transferee 120. Financial tender transfer system 1500 includes a transferor 1510, a transferee 1520, a transferor's credit card issuer 1530, and transferee's credit card issuer 1540. In this implementation, the functions of central controller 130 of financial tender transfer system 100 are incorporated into both transferor's credit card issuer 1530 and transferee's credit card issuer 1540. As a result, the aforementioned functions performed by central controller 130 are assumed by transferor's credit card issuer 1530 and transferee's credit card issuer 1540, either solely or in combination, depending on the steps used for conducting a transfer of financial tender.
  • [0096]
    [0096]FIG. 16 is a detailed block diagram of a credit card issuer controller 1600 employed by transferor's credit card issuer 1530 and transferee's credit card issuer 1540. Credit card issuer controller 1600 includes a microprocessor or CPU 1610 coupled to a RAM 1615, a ROM 1620, a clock 1625, a cryptographic processor 1630, and a data storage device 1635. Cryptographic processor 1630 encrypts the ID number with the issuer key for the secure transaction described above. Data storage device 1635 includes a customer account database 1640, a transaction database 1645, and a financial tender transfer database 1650.
  • [0097]
    [0097]FIG. 17 is a table illustrating an example of customer accounts database 1640. Customer account database 1640 holds data for each customer registered with credit card issuer controller 1600. The data for each customer includes the customer account number, the customer's name, address, and phone number, the original credit line, and the available credit line.
  • [0098]
    [0098]FIG. 18 is a table illustrating an example of a conventional transaction database 1645. Transaction database 1645 retains information of each transaction conducted through credit card issuer controller 1600. In particular, the information in transaction database 1645 includes the customer account number, the date and time of the transaction, the transaction amount, the merchant identification number, and the name of the merchant.
  • [0099]
    [0099]FIG. 19 is a table illustrating an example of financial tender transfer database 1650. Financial tender transfer database 1650 records all information related to a credit line transfer to or from a credit cardholder holding a credit card from the credit card issuer associated with credit card issuer controller 1600. The credit line transfer information in credit line transfer database 1650 includes the credit card number, the credit line transfer amount, the authorization code, the completion code, the corresponding account number for which the transferred credit line is credited or debited, and the transaction type. A positive dollar amount in the credit line transfer amount indicates an amount credited to the customer account number, whereas a negative dollar amount indicates an amount debited.
  • [0100]
    [0100]FIGS. 20A and 20B are flowcharts of the steps employed by financial tender transfer system 1500 in accordance with the implementation shown in FIG. 15. First, transferor 1510 initiates a credit line transfer by providing credit line transfer information to transferor's credit card issuer 1530 including the credit line amount or financial tender value to be transferred, the name of transferor 1510, the credit card account to transfer from, and the expiration date of that credit card (step 2010). Transferor's credit card issuer 1530 checks the validity of transferor's credit card against customer account database 1640 (step 2015) and aborts the transaction if it is invalid (step 2020). Transferor's credit card issuer 1530 also determines if transferor 1510 has sufficient credit available by checking against the available credit line in customer account database 1640 (step 2025). If the credit is insufficient, the transaction is aborted (step 2030).
  • [0101]
    Transferor's credit card issuer 1530 receives the credit line transfer information and generates an encrypted code which contains the credit line transfer information and issuer identification information (step 2035), and may also include transaction date and time information. This authorization code for the credit line transfer is given to transferor 1510. Transferor 1510 provides this authorization code to transferee 1520 (step 2040), who in turn contacts transferee's credit card issuer 1540 and provides the encrypted authorization code and transferee's credit card account number, name, and expiration date to execute the credit line transfer (step 2045).
  • [0102]
    After receiving the information from transferee 1520, transferee's credit card issuer 1540 decrypts the authorization code with the issuer key (step 2050). The validity of the code is determined by successful decryption. Transferee's credit card issuer 1540, in addition to confirming the code's validity, confirms the identification of transferor's issuing bank (step 2055) and aborts the transaction if the code is invalid (step 2060). If the authorization code is valid, transferee's credit card issuer 1540 completes the credit line transfer by increasing transferee's credit line by the amount specified in the decrypted code and updating transferee's records in its financial tender transfer database 1650 (step 2065). Transferee's credit card issuer 1540 then generates, stores, and transmits a credit line transfer completion code to transferor's credit card issuer 1530 (step 2070). Lastly, transferor's credit card issuer 1530 decreases transferor's credit limit and updates transferor's records in its financial tender transfer database 1650 (step 2075).
  • [0103]
    In this implementation, like the implementation described in connection with FIG. 13, transferee 1520 cannot misuse the transferor's ID Number by repeating the transaction multiple times because the Transferor ID Number, in this case, is a single use, transaction specific encrypted code which incorporates transaction specific information, such as the date and the time, and possibly other information including, for example, the amount of the transaction. The encrypted transaction ID that incorporates a date and time guarantees a unique ID for every transaction. The system prevents multiple uses of encrypted transaction IDs by only allowing each unique ID to be used once. At the same time, transferor 1510 cannot repudiate intent to transfer a credit line amount once transferor 1510 gives the encrypted code to transferee 1520. The encrypted code is a proxy for an authorization to transferee 1520 to effect a credit line transfer into the designated transferee credit card account.
  • [0104]
    B. Sale of Unused Credit Line
  • [0105]
    [0105]FIG. 21 is a block diagram of another implementation of financial tender transfer system 1500 consistent with the invention. This implementation is preferably practiced in cases where a transferor is selling his unused credit line because the transferor is the party through which the transaction is executed. In other words, a transferor transfers an unused credit line amount to a transferee for a certain amount of consideration, but the transferor retains responsibility for payment of any debt on the unused credit line amount transferred. Similar to FIG. 15, financial tender transfer system 1500 of FIG. 21 includes a transferor 1510, a transferee, 1520, a transferor's credit card issuer 1530, and transferee's credit card issuer 1540.
  • [0106]
    [0106]FIGS. 22A, 22B, and 22C are flowcharts of the steps employed by financial tender transfer system 1500 in accordance with the implementation shown in FIG. 21. First, transferee 1520 provides transferor 1510 with the last 6 digits or some specified portion of his credit card number, his issuing bank identification, and his name (step 2210). Transferor 1510 then initiates the credit line transfer by providing credit line transfer information to transferor's credit card issuer 1530 including the financial tender value to be transferred, the name of transferor 1510, the credit card account to transfer from, the expiration date of that credit card, the name of transferee 1520, the last 6 digits of the transferee's credit card account, and the name of transferee's credit card issuer 1540 (step 2215).
  • [0107]
    After receiving the credit line transfer information, transferor's credit card issuer 1530 verifies the validity of the transferor's credit card and availability of credit line against customer account database 1640 (step 2220). First, transferor's credit card issuer 1530 determines if transferor's credit card is valid (step 2225) and aborts the transaction if it is not (step 2230). If valid, transferor's credit card issuer 1530 also determines if transferor's credit card has sufficient credit available (step 2235) and aborts the transaction if it is insufficient (step 2240). If transferor's credit card is both valid and has sufficient credit available, transferor's credit card issuer 1530 generates a credit line transfer authorization code (step 2245). Transferor's credit card issuer 1530 then transmits the credit line transfer information to transferee's credit card issuer 1540 along with the authorization code (step 2250).
  • [0108]
    Transferee's credit card issuer 1540 matches the received last 6 digits or portion of the transferee's account number with the actual account number in its customer account database 1640 (step 2255). Transferee's credit card issuer 1540 determines whether to proceed with the transaction by matching the last 6 digits to the actual account number (step 2260). The transaction is aborted if they do not match (step 2265). Otherwise, transferee's credit card issuer 1540 completes the credit line transfer by increasing the transferee's credit line by the amount specified and by updating the transferee's records in its credit line transfer database 1640 (step 2270). The transferee's credit card issuer 1540 also generates, stores, and transmits a credit line transfer completion code to the transferor's credit card issuer 1530 (step 2275), who in turn decreases transferor's credit line and updates its credit line transfer database 1650 (step 2280).
  • [0109]
    Conclusion
  • [0110]
    The financial tender transfer system according to this invention allows a transferor to transfer credit or make payment to a transferee by debiting the credit card of the transferor and crediting the credit or debit card of the transferee. The financial tender transfer system gives the transferee immediate access to the transferred funds and/or credit line, ensures the transferor's credit card is valid, and preserves security.
  • [0111]
    It will be apparent to those skilled in the art that various modifications and variations can be made to disclosed embodiments of the present invention without departing from the scope or spirit of the invention. Other embodiments of the invention will be apparent to those skilled in the art from consideration of the specification and practice of the embodiments of the invention disclosed herein. The specification and examples should be considered exemplary, with the true scope and spirit of the invention being indicated by the following claims and their full range of equivalents.
Référencé par
Brevet citant Date de dépôt Date de publication Déposant Titre
US7200604 *17 févr. 20043 avr. 2007Hewlett-Packard Development Company, L.P.Data de-duplication
US72665336 déc. 20014 sept. 2007The Western Union CompanyElectronic gift greeting
US734736231 août 200625 mars 2008First Data CorporationSystems and methods for prioritizing reconcilement information searches
US73832208 mars 20013 juin 2008Stikine Technology, LlcAutomated short term option order processing
US738322231 août 20063 juin 2008Stikine Technology, LlcRouting control for orders eligible for multiple markets
US73982448 mars 20018 juil. 2008Stikine Technology, LlcAutomated order book with crowd price improvement
US73989259 déc. 200315 juil. 2008First Data CorporationSystems and methods for assessing the risk of a financial transaction using biometric information
US7440919 *10 oct. 200121 oct. 2008Ameriprise Financial, Inc.System and method for a financial planning competition
US7472085 *25 févr. 200330 déc. 2008Loffa Interactive Corp. Inc.Apparatus and method for data interchange
US74720878 mars 200130 déc. 2008Stikine Technology, LlcTrading program for interacting with market programs on a platform
US748385617 janv. 200127 janv. 2009Xprt Ventures, LlcSystem and method for effecting payment for an electronic auction commerce transaction
US749006417 sept. 200710 févr. 2009Textura CorporationConstruction payment management system and method with budget reconciliation features
US74965338 mars 200124 févr. 2009Stikine Technology, LlcDecision table for order handling
US7499884 *22 déc. 20033 mars 2009Sap AgInterest calculation tool
US750059825 nov. 200310 mars 2009American Express Travel Related Services Company, Inc.Negotiable instruments and systems and processing same
US7512563 *17 janv. 200731 mars 2009Xprt Ventures, LlcSystem and method to automate payment for a commerce transaction
US7536340 *18 déc. 200319 mai 2009Cashedge, Inc.Compliance monitoring method and apparatus
US75396388 mars 200126 mai 2009Stikine Technology, LlcRepresentation of order in multiple markets
US75495755 juin 200723 juin 2009The Western Union CompanyMoney transfer systems and methods for travelers
US7567925 *21 nov. 200328 juil. 2009Imagevision.NetPoint of service transaction management for service facilities
US75679375 sept. 200128 juil. 2009Xprt Ventures, LlcSystem and method for automatically effecting payment for a user of an electronic auction system
US7574395 *11 juin 200211 août 2009Bgc Partners, Inc.Price improvement in an active trading market
US7574396 *4 déc. 200211 août 2009Andrew Kalotay Associates, Inc.Method of and apparatus for administering an asset-backed security using coupled lattice efficiency analysis
US7574398 *31 août 200611 août 2009Christopher KeithPlatform for market programs and trading programs
US757843428 mars 200525 août 2009The Western Union CompanySystem and method for transferring money from one country to a stored value account in a different country
US7587364 *24 mars 20068 sept. 2009Sap AgSystems and methods for bank determination and payment handling
US7599881 *25 août 20066 oct. 2009Xprt Ventures, LlcSystem and method for offering an incentive to a user of an electronic commerce web site
US761024411 janv. 200227 oct. 2009Xprt Ventures, LlcSystem and method for effecting payment for an item offered for an electronic auction sale
US761365531 mai 20073 nov. 2009Western Union CompanyValue transfer systems and methods
US7617157 *3 janv. 200210 nov. 2009The Western Union CompanyMethod for receiving electronically transferred funds using an automated teller machine
US7620590 *9 janv. 200717 nov. 2009Avery N CalebMethod and system for optimal pricing and allocation with canceling/modifying of indications of interest
US7624052 *31 juil. 200324 nov. 2009The Pnc Financial Services Group, Inc.Methods and systems for processing and managing corporate action information including voluntary and mandatory corporate action data
US762752814 nov. 20011 déc. 2009Xprt Ventures, LlcSystem and method for effecting a real-time payment for an item won on an electronic auction
US7636685 *31 mai 200322 déc. 2009Peter EbertTrade order system and method
US7640205 *23 déc. 200329 déc. 2009First Data CorporationSystems and methods for accessing reconcilement information
US764154912 avr. 20045 janv. 2010Cantor Index LlcLottery and auction based tournament entry exchange platform
US7644024 *1 mai 20035 janv. 2010Cognitive Engineering Associates, LLCFinancial information display system
US76440278 mars 20015 janv. 2010Christopher KeithMarket program for interacting with trading programs on a platform
US7644035 *19 mai 20055 janv. 2010American Express Travel Related Services Company, Inc.Method and apparatus for reducing fraudulent credit transactions by requiring merchant return of multi-digit authorization codes
US765444929 févr. 20082 févr. 2010The Western Union CompanyMethod and system for performing money transfer transactions
US7672888 *12 sept. 20072 mars 2010Textura CorporationConstruction payment management system and method with automated electronic document generation features
US767379226 avr. 20069 mars 2010The Western Union CompanyMethod and system for performing money transfer transactions
US7676423 *12 janv. 20079 mars 2010Avery N CalebMethod and system for optimal pricing and allocation with allotments
US768950313 nov. 200130 mars 2010Interthinx, Inc.Predatory lending detection system and method therefor
US7693779 *12 janv. 20076 avr. 2010Avery N CalebMethod and system for requesting a reservation for a set of equity instruments to be offered
US769379330 sept. 20036 avr. 2010Sap AgManagement of intra-day interest calculations for bank accounts
US7698206 *17 nov. 200313 avr. 2010Collectbyweb LimitedDebt collecting and financing method
US7698211 *12 janv. 200713 avr. 2010Avery N CalebMethod and system for optimal pricing and allocation with canceling/modifying of indications of interest for a set of equity instruments to be offered
US77116405 avr. 20064 mai 2010Bgc Partners, Inc.Methods and apparatus for composite trading order processing
US7711644 *5 avr. 20064 mai 2010Bgc Partners, Inc.Apparatus and methods for processing composite trading orders
US771612830 nov. 200711 mai 2010The Western Union CompanyElectronic indentifier payment systems and methods
US7720761 *21 mai 200318 mai 2010Jpmorgan Chase Bank, N. A.Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts
US772538412 sept. 200725 mai 2010Textura CorporationConstruction payment management system and method with one-time registration features
US773453817 nov. 20068 juin 2010Chicago Mercantile Exchange Inc.Multiple quote risk management
US773454612 sept. 20078 juin 2010Textura CorporationConstruction payment management system and method with hierarchical invoicing and direct payment features
US773917431 août 200615 juin 2010Christopher KeithTrading program for interacting with market programs on a platform
US776967231 août 20063 août 2010Christopher KeithRouting control for orders eligible for multiple markets
US77742468 mars 200110 août 2010Christopher KeithAutomated price setting for paired orders
US778356131 août 200624 août 2010Christopher KeithAutomated synchronization of orders represented in multiple markets
US77835639 déc. 200324 août 2010First Data CorporationSystems and methods for identifying payor location based on transaction data
US778357131 mai 200724 août 2010First Data CorporationATM system for receiving cash deposits from non-networked clients
US77927338 mars 20017 sept. 2010Christopher KeithAutomated synchronization of orders represented in multiple markets
US7797214 *8 août 200514 sept. 2010Entaire Global Intellectual Property, Inc.Financing and securitization structure for a portfolio of loans
US779721728 nov. 200614 sept. 2010Entaire Global Intellectual Property, Inc.System for managing the total risk exposure for a portfolio of loans
US779721828 nov. 200614 sept. 2010Entaire Global Intellectual Property, Inc.Method of compensating an employee
US780181014 juin 200621 sept. 2010Chicago Mercantile Exchange Inc.Hybrid cross-margining
US780963117 nov. 20065 oct. 2010Chicago Mercantile Exchange Inc.Cross-currency implied spreads
US78139918 mars 200112 oct. 2010Christopher KeithAutomated trading negotiation protocols
US7818244 *20 déc. 200219 oct. 2010Fannie MaeTree on paths method and system for modeling securities
US781825027 sept. 200719 oct. 2010Textura CorporationConstruction payment management system and method with automatic workflow management features
US7827095 *7 août 20072 nov. 2010Tim Hung-Minh NguyenEquilibrium flow between economic systems
US7831498 *8 sept. 20039 nov. 2010The Western Union CompanySystems and methods for producing suspicious activity reports in financial transactions
US783597531 août 200616 nov. 2010Christopher KeithAutomated synchronization of orders represented in multiple markets
US786192318 déc. 20084 janv. 2011American Express Travel Related Services Company, Inc.Negotiable instruments and systems and processing same
US7870057 *12 janv. 200711 janv. 2011Avery N CalebMethod and system for requesting a reservation for a set of debt instruments to be offered
US787356514 janv. 201018 janv. 2011Bgc Partners, Inc.Composite trading order processing
US7877314 *4 mars 200525 janv. 2011Avery N CalebMethod and system for optimal pricing and allocation for a set of debt instruments to be offered
US788199231 juil. 20031 févr. 2011The Pnc Financial Services Group, Inc.Methods and systems for processing and managing corporate action information
US78820078 mars 20011 févr. 2011Christopher KeithPlatform for market programs and trading programs
US78904108 mars 200115 févr. 2011Stikine Technology, LlcAutomated trial order processing
US7890412 *4 nov. 200315 févr. 2011New York Mercantile Exchange, Inc.Distributed trading bus architecture
US7890415 *31 août 200615 févr. 2011Christopher KeithRepresentation of order in multiple markets
US78967409 nov. 20091 mars 2011Cantor Index, LlcExchange of entries corresponding to participants in a sports competition
US7899739 *5 nov. 20091 mars 2011Textura CorporationConstruction payment management system and method with real-time draw notification features
US790539626 oct. 200715 mars 2011First Data CorporationSystems and methods for assessing the risk of a financial transaction using authenticating marks
US79081791 août 200715 mars 2011The Western Union CompanyElectronic gift linking
US79081988 mars 200115 mars 2011Stikine Technology, LlcAutomated preferences for market participants
US7908207 *14 oct. 200815 mars 2011American Express Travel Related Services Company, Inc.Interactive demand management
US792105614 janv. 20105 avr. 2011Bgc Partners, Inc.Processing composite trading orders
US793021629 sept. 200619 avr. 2011The Western Union CompanyMethod for making an online payment through a payment enabler system
US793022825 janv. 200819 avr. 2011Hawkins Charles SPromoting compliance by financial institutions with due diligence requirements
US793024518 août 201019 avr. 2011Chicago Mercantile Exchange Inc.Hybrid cross-margining
US793383517 janv. 200726 avr. 2011The Western Union CompanySecure money transfer systems and methods using biometric keys associated therewith
US793729230 sept. 20083 mai 2011The Western Union CompanyWide area network person-to-person payment
US794134230 sept. 200810 mai 2011The Western Union CompanyWide area network person-to-person payment
US794134630 sept. 200810 mai 2011The Western Union CompanyWide area network person-to-person payment
US794958724 oct. 200824 mai 2011United States Automobile Association (USAA)Systems and methods for financial deposits by electronic message
US7949594 *26 sept. 200324 mai 2011First Data CorporationSystems and methods for participant controlled communications regarding financial accounts
US795057512 janv. 201031 mai 2011The Western Union CompanyMethod and system for performing money transfer transactions
US797067724 oct. 200828 juin 2011United Services Automobile Association (Usaa)Systems and methods for financial deposits by electronic message
US797068128 nov. 200028 juin 2011Goldman Sachs & Co.Reduction of financial instrument volatility
US797178417 janv. 20085 juil. 2011Silverbrook Research Pty LtdSensing device with mode changes via nib switch
US7979342 *20 oct. 200812 juil. 2011Goldman Sachs & Co.Dynamic reallocation hedge accounting
US798397226 sept. 200719 juil. 2011Textura CorporationConstruction payment management system and method with graphical user interface features
US801508511 nov. 20046 sept. 2011First Data CorporationSystem for distributing funds
US8016185 *26 août 200413 sept. 2011Visa International Service AssociationMoney transfer service with authentication
US801967216 avr. 200413 sept. 2011Bgc Partners, Inc.Dynamic price improvement
US8020766 *11 mai 201020 sept. 2011Visa International Service AssociationVerification of portable consumer devices
US802422930 sept. 200820 sept. 2011The Western Union CompanyWide area network person-to-person payment
US80242424 sept. 200920 sept. 2011MetabankSystem, method, and program product for foreign currency travel account
US802789925 juin 201027 sept. 2011Bgc Partners, Inc.System and method for forming a financial instrument indexed to entertainment revenue
US802889415 juil. 20104 oct. 2011Silverbrook Research Pty LtdSystem for providing information to user with every interaction with printed substrate
US8036977 *2 mai 200611 oct. 2011Trading Technologies International, Inc.Method and interface for historical display of market information
US804162326 nov. 200218 oct. 2011Trading Technologies International, Inc.Method and interface for historical display of market information
US8041646 *13 juin 200618 oct. 2011E. E. System CorporationMethod and system for real time online debit transactions
US8050997 *26 août 20021 nov. 2011Paypal Inc.Instant availability of electronically transferred funds
US805555718 déc. 20088 nov. 2011MetabankTransfer account systems, computer program products, and associated computer-implemented methods
US80651872 avr. 200922 nov. 2011MetabankSystem, program product, and associated methods to autodraw for micro-credit attached to a prepaid card
US80690852 avr. 200929 nov. 2011MetabankSystem, program product, and associated methods to autodraw for micro-credit attached to a prepaid card
US807373613 déc. 20076 déc. 2011First Data CorporationSystems and methods for redeeming rewards associated with accounts
US8073767 *28 sept. 20096 déc. 2011Jpmorgan Chase Bank,N.A.Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts
US8074889 *6 sept. 200713 déc. 2011Xatra Fund Mx, LlcSystem for biometric security using a fob
US80831321 déc. 201027 déc. 2011American Express Travel Related Services Company, Inc.Negotiable instruments and systems and processing same
US80865278 mai 200927 déc. 2011Chicago Mercantile Exchange Inc.Multiple quote risk management
US809064919 mars 20093 janv. 2012MetabankComputerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products
US8099362 *4 juin 201017 janv. 2012Textura CorporationConstruction payment management system and method with budget reconciliation features
US810032911 mai 201024 janv. 2012Silverbrook Research Pty LtdMethod of interacting with printed substrate
US810354915 sept. 201124 janv. 2012MetabankSystem, program product, and associated methods to autodraw for micro-credit attached to prepaid card
US810358416 janv. 200924 janv. 2012American Express Travel Related Services Company, Inc.Systems and methods for authorizing an allocation of an amount between transaction accounts
US810358516 janv. 200924 janv. 2012American Express Travel Related Services Company, Inc.Systems and methods for suggesting an allocation
US810827218 déc. 200831 janv. 2012MetabankTransfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account
US810827918 déc. 200831 janv. 2012MetabankComputer-implemented methods, program product, and system to enhance banking terms over time
US810897730 oct. 20097 févr. 2012MetabankMachine, methods, and program product for electronic order entry
US811234826 mars 20097 févr. 2012Bgc Partners, Inc.Trading system with price improvement
US81139502 avr. 200414 févr. 2012Silverbrook Research Pty LtdCompetition entry with limited return messaging
US8135640 *22 oct. 200813 mars 2012Anthony Jeremiah BayneSystem and method for making a synthetic cash advance using a purchase payment exchange
US815076229 déc. 20053 avr. 2012United Services Automobile AssociationSystem and method for providing credit
US81507642 avr. 20093 avr. 2012MetabankSystem, program product, and method to authorize draw for retailer optimization
US815604315 oct. 200810 avr. 2012United Services Automobile Assocation (USAA)Systems and methods for a prepaid interest credit card account
US8165956 *7 mars 201124 avr. 2012Checkfree CorporationBill availability notification and billing information request
US817596218 sept. 20098 mai 2012MetabankComputerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products
US8175972 *14 mai 20098 mai 2012MetabankPre-paid card transaction computer to load a loan on a pre-paid card
US81807065 juin 200915 mai 2012Lead Core Fund, L.L.C.Systems and methods for maximizing a rewards accumulation strategy during transaction processing
US8180707 *10 oct. 200715 mai 2012Textura CorporationConstruction payment management system and method with actionable notification features
US819048012 janv. 201229 mai 2012MetabankSystem, non-transitory memory with computer program, and associated methods for micro-credit to prepaid cards
US81905145 juin 200929 mai 2012Lead Core Fund, L.L.C.Systems and methods for transaction processing based upon an overdraft scenario
US81955655 juin 20095 juin 2012Lead Core Fund, L.L.C.Systems and methods for point of interaction based policy routing of transactions
US8214280 *8 avr. 20093 juil. 2012Trading Technologies International, Inc.System and method for coordinating automated and semi-automated trading tools
US821428619 déc. 20113 juil. 2012MetabankComputerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products
US82298358 janv. 200924 juil. 2012New York Mercantile Exchange, Inc.Determination of implied orders in a trade matching system
US822983814 oct. 200924 juil. 2012Chicago Mercantile Exchange, Inc.Leg pricer
US823421230 sept. 200831 juil. 2012Lead Core Fund, L.L.C.Systems and methods for facilitating transactions with interest
US824461118 déc. 200814 août 2012MetabankPrivate label promotion card system, program product, and associated computer-implemented methods
US82446322 janv. 200314 août 2012First Data CorporationAutomated transfer with stored value
US82446373 févr. 201214 août 2012MetabankPre-paid card transaction computer to load a loan on a pre-paid card
US82499758 mars 200121 août 2012Stikine Technology, LlcAutomated first look at market events
US825530515 sept. 200928 août 2012Chicago Mercantile Exchange Inc.Ratio spreads for contracts of different sizes in implied market trading
US826067819 déc. 20114 sept. 2012MetabankMachine, methods, and program product for electronic order entry
US826603015 sept. 200911 sept. 2012Chicago Mercantile Exchange Inc.Transformation of a multi-leg security definition for calculation of implied orders in an electronic trading system
US8266034 *12 mai 200811 sept. 2012Goldman, Sachs & Co.Method, software program, and system for managing debt
US826604724 févr. 201211 sept. 2012MetabankSystem, method, and program product for foreign currency travel account
US827095523 juin 201118 sept. 2012Jumptap, Inc.Presentation of sponsored content on mobile device based on transaction event
US827138229 sept. 201118 sept. 2012The Western Union CompanySystems and methods of introducing and receiving information across a computer network
US827570416 janv. 200925 sept. 2012Lead Core Fund, L.L.C.Systems and methods for authorizing an allocation of an amount between transaction accounts
US82868634 févr. 201016 oct. 2012MetabankSystem and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods
US829023731 oct. 200716 oct. 2012United Services Automobile Association (Usaa)Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US8290841 *21 août 200816 oct. 2012International Business Machines CorporationSystem and method for automatically generating suggested entries for policy sets with incomplete coverage
US8290849 *6 janv. 200416 oct. 2012Analect Benefit Finance, LlcMethod and system for administering the hedging of an employee deferred compensation plan using swaps
US829085314 sept. 201116 oct. 2012MetabankSystem, method, and program product for foreign currency travel account
US829618417 févr. 201223 oct. 2012Jumptap, Inc.Managing payment for sponsored content presented to mobile communication facilities
US829621510 avr. 200023 oct. 2012Stikine Technology, LlcTrading system with elfs and umpires
US829622717 mai 201223 oct. 2012MetabankComputerized extension of credit to existing demand deposit accounts, prepaid cards and lines of credit based on expected tax refund proceeds, associated systems and computer program products
US8301491 *23 juin 200830 oct. 2012Google Inc.Item reservation
US830155728 mai 201230 oct. 2012MetabankSystem, program product, and method to authorized draw for retailer optimization
US830688330 avr. 20086 nov. 2012Textura CorporationConstruction payment management systems and methods with specified billing features
US830691218 déc. 20086 nov. 2012MetabankPrivate label promotion card system, program product, and associated computer-implemented methods
US83118889 mars 200913 nov. 2012Jumptap, Inc.Revenue models associated with syndication of a behavioral profile using a monetization platform
US831302210 janv. 201220 nov. 2012Ayman HammadVerification of portable consumer device for 3-D secure services
US83160316 sept. 201120 nov. 2012Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US832065731 oct. 200727 nov. 2012United Services Automobile Association (Usaa)Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US832260730 mai 20114 déc. 2012Silverbrook Research Pty LtdMethod of interacting with substrate in cursor and hyperlinking modes
US8326759 *27 avr. 20104 déc. 2012Visa International Service AssociationVerification of portable consumer devices
US83267666 avr. 20074 déc. 2012Jpmorgan Chase Bank, N.A.System and method for linked account having sweep feature
US832808813 juil. 201011 déc. 2012Silverbrook Research Pty LtdSystem for providing information via context searching of printed substrate
US833239730 janv. 201211 déc. 2012Jumptap, Inc.Presenting sponsored content on a mobile communication facility
US83406669 févr. 201025 déc. 2012Jumptap, Inc.Managing sponsored content based on usage history
US83410218 sept. 201025 déc. 2012MetabankSystem, program product, and method for debit card and checking account autodraw
US835167731 oct. 20068 janv. 2013United Services Automobile Association (Usaa)Systems and methods for remote deposit of checks
US835167811 juin 20088 janv. 2013United Services Automobile Association (Usaa)Duplicate check detection
US835193324 sept. 20108 janv. 2013Jumptap, Inc.Managing sponsored content based on usage history
US835376322 sept. 200315 janv. 2013Cantor Index, LlcSystem and method for betting on a participant in a group of events
US835882623 oct. 200722 janv. 2013United Services Automobile Association (Usaa)Systems and methods for receiving and orienting an image of one or more checks
US83590194 juin 201222 janv. 2013Jumptap, Inc.Interaction analysis and prioritization of mobile content
US836452114 nov. 200529 janv. 2013Jumptap, Inc.Rendering targeted advertisement on mobile communication facilities
US83645407 août 200929 janv. 2013Jumptap, Inc.Contextual targeting of content using a monetization platform
US837024122 nov. 20045 févr. 2013Morgan StanleySystems and methods for analyzing financial models with probabilistic networks
US837150228 oct. 200912 févr. 2013MetabankShopping center gift card offer fulfillment machine, program product, and associated methods
US837358229 août 200612 févr. 2013Steven M. HoffbergAdaptive pattern recognition based controller apparatus and method and human-factored interface therefore
US83749622 janv. 200312 févr. 2013First Data CorporationStored value payouts
US838054626 oct. 201019 févr. 2013Discovery Life LimitedManaging an insurance plan
US8380609 *31 août 200619 févr. 2013Stikine Technology, LlcTrading system with ELFs and umpires
US83806149 sept. 201119 févr. 2013Bgc Partners, Inc.Dynamic price improvement
US83862793 juin 200926 févr. 2013Discovery Limited HoldingsSystem and method of managing an insurance scheme
US838637524 févr. 201226 févr. 2013MetabankSystem, method, and program product for foreign currency travel account
US8386378 *27 oct. 201026 févr. 2013Interthinx, Inc.Automated loan risk assessment system and method
US839159917 oct. 20085 mars 2013United Services Automobile Association (Usaa)Systems and methods for adaptive binarization of an image
US839229926 oct. 20115 mars 2013MetabankTransfer account systems, computer program products, and associated computer-implemented methods
US839232210 août 20125 mars 2013Chicago Mercantile Exchange Inc.Transformation of a multi-leg security definition for calculation of implied orders in an electronic trading system
US839233028 oct. 20115 mars 2013MetabankTransfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account
US83923328 déc. 20105 mars 2013United Services Automobile Association (Usaa)Systems and methods for remote deposit of checks
US8396773 *5 nov. 200212 mars 2013Goldman, Sachs & Co.Method for structuring an obligation
US840195518 août 201019 mars 2013Chicago Mercantile ExchangeCross-currency implied spreads
US8401964 *28 avr. 201019 mars 2013Mastercard International IncorporatedApparatus, method, and computer program product for encoding enhanced issuer information in a card
US84032114 sept. 200926 mars 2013MetabankSystem, program product and methods for retail activation and reload associated with partial authorization transactions
US840710031 août 201226 mars 2013MetabankMachine, methods, and program product for electronic order entry
US8417617 *18 avr. 20029 avr. 2013Charles Schwab & Co.Method and system for obtaining the best fill for an order using automated suborders
US84176183 sept. 20099 avr. 2013Chicago Mercantile Exchange Inc.Utilizing a trigger order with multiple counterparties in implied market trading
US84227582 sept. 200816 avr. 2013United Services Automobile Association (Usaa)Systems and methods of check re-presentment deterrent
US843312710 mai 200730 avr. 2013United Services Automobile Association (Usaa)Systems and methods for real-time validation of check image quality
US843329718 sept. 201130 avr. 2013Jumptag, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US8433639 *14 mars 200730 avr. 2013Future System Advisors, LlcProcess for comprehensive financial and estate planning with life insurance product
US8438098 *27 oct. 20087 mai 2013Jonathon HAMBURGMethod for funding a charity using a prepaid card
US844290425 juin 201214 mai 2013New York Mercantile Exchange, Inc.Determination of implied orders in a trade matching system
US844291110 avr. 201214 mai 2013United States Automobile Association (USAA)Systems and methods for a prepaid interest credit card account
US8447684 *20 déc. 201021 mai 2013N. Caleb AveryMethod and system for optimal pricing and allocation for a set of contractual rights to be offered with canceling/modifying of indications of interest
US845266215 sept. 201128 mai 2013MetabankSystem, program product, and associated methods to autodraw for micro-credit attached to prepaid card
US8452683 *12 mars 201228 mai 2013Anthony Jeremiah BayneSystem and method for making a synthetic cash advance using a purchase payment exchange
US8452689 *18 févr. 200928 mai 2013United Services Automobile Association (Usaa)Systems and methods of check detection
US845760719 sept. 20114 juin 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US8458082 *14 janv. 20024 juin 2013Interthinx, Inc.Automated loan risk assessment system and method
US84580861 déc. 20084 juin 2013Lead Core Fund, L.L.C.Allocating partial payment of a transaction amount using an allocation rule
US846324918 sept. 201111 juin 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US846493331 janv. 201118 juin 2013United Services Automobile Association (Usaa)Systems, methods and apparatus for receiving images of one or more checks
US846777419 sept. 201118 juin 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US84680728 août 200718 juin 2013Jpmorgan Chase Bank, N.A.Method and system for distribution of unactivated bank account cards
US8468083 *10 août 200718 juin 2013Google Inc.Advertisement topic diversification and ranking
US846809010 nov. 201118 juin 2013Hsbc Technologies Inc.Account opening computer system architecture and process for implementing same
US8478677 *12 sept. 20082 juil. 2013Neal SolomonSystem for intelligent search agent to access data in a distributed network
US848367126 août 20119 juil. 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US848367418 sept. 20119 juil. 2013Jumptap, Inc.Presentation of sponsored content on mobile device based on transaction event
US848412616 juil. 20129 juil. 2013Chicago Mercantile Exchange Inc.Leg pricer
US848423424 juin 20129 juil. 2013Jumptab, Inc.Embedding sponsored content in mobile applications
US848544128 juin 201216 juil. 2013MetabankSystem and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods
US848907719 sept. 201116 juil. 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US849450019 sept. 201123 juil. 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US849494523 déc. 201023 juil. 2013Gilbert LeistnerMethods for creating a group practice
US849495224 nov. 201023 juil. 2013Bgc Partners, Inc.System and method for processing composite trading orders
US849495621 nov. 200523 juil. 2013The Western Union CompanyInternet funds transfer system using ATM pickup
US849496013 mai 200923 juil. 2013MetabankSystem, program product, and computer-implemented method for loading a loan on a pre-paid card
US850399529 oct. 20126 août 2013Jumptap, Inc.Mobile dynamic advertisement creation and placement
US850445412 févr. 20106 août 2013Bgc Partners, Inc.System and method for purchasing a financial instrument indexed to entertainment revenue
US850447328 mars 20076 août 2013The Western Union CompanyMoney transfer system and messaging system
US850975018 sept. 201113 août 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US851540018 sept. 201120 août 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US851540118 sept. 201120 août 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US851587424 août 200620 août 2013The Western Union CompanyAirline ticket payment and reservation system and methods
US853263318 sept. 201110 sept. 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US853263419 sept. 201110 sept. 2013Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US853456430 sept. 201117 sept. 2013Ayman HammadIntegration of verification tokens with mobile communication devices
US853812410 mai 200717 sept. 2013United Services Auto Association (USAA)Systems and methods for real-time validation of check image quality
US853881218 oct. 201217 sept. 2013Jumptap, Inc.Managing payment for sponsored content presented to mobile communication facilities
US853887913 mai 200917 sept. 2013MetabankSystem, program product, and computer-implemented method for loading a loan on an existing pre-paid card
US854292127 juil. 200924 sept. 2013United Services Automobile Association (Usaa)Systems and methods for remote deposit of negotiable instrument using brightness correction
US854347818 août 200424 sept. 2013Gilbert LeistnerSystem and method for identification of quasi-fungible goods and services, and financial instruments based thereon
US854890120 mars 20021 oct. 2013Goldman, Sachs & Co.Methods, software programs, and systems for managing one or more liabilities
US855419221 janv. 20138 oct. 2013Jumptap, Inc.Interaction analysis and prioritization of mobile content
US855457830 avr. 20088 oct. 2013Discovery Holding LimitedManaging the business of a medical scheme
US85605378 oct. 201115 oct. 2013Jumptap, Inc.Mobile advertisement syndication
US857197620 mars 200229 oct. 2013Goldman, Sachs & Co.Methods, software programs, and systems for managing one or more liabilities
US85777716 févr. 20135 nov. 2013Chicago Mercantile Exchange Inc.Transformation of a multi-leg security definition for calculation of implied orders in an electronic trading system
US858308931 janv. 201212 nov. 2013Jumptap, Inc.Presentation of sponsored content on mobile device based on transaction event
US858351518 déc. 200812 nov. 2013MetabankTransfer account systems, computer program products, and associated computer-implemented methods
US858921319 oct. 201119 nov. 2013Hsbc Technology & Services (Usa) Inc.Computer metrics system and process for implementing same
US858929518 déc. 200819 nov. 2013MetabankTransfer account systems, computer program products, and associated computer-implemented methods
US859511523 déc. 201026 nov. 2013Gilbert LeistnerMethods for managing a medical event
US859652713 janv. 20093 déc. 2013Lead Core Fund, L.L.C.Methods for locating a payment system utilizing a point of sale device
US860083016 juil. 20103 déc. 2013Steven M. HoffbergSystem and method for providing a payment to a non-winning auction participant
US8600852 *3 déc. 20073 déc. 2013Thomson Financial LlcElectronic sales system
US860229330 sept. 201110 déc. 2013Visa International Service AssociationIntegration of verification tokens with portable computing devices
US86066311 mai 200710 déc. 2013First Data CorporationChasing rewards associated with accounts
US8606679 *10 août 200910 déc. 2013Jonathan J. DanielMethods and systems for online real estate transactions
US86066854 sept. 200310 déc. 2013Cfph, LlcComputer-implemented securities trading system
US86066928 nov. 201010 déc. 2013Bank Of America CorporationProcessing loan transactions
US861163520 déc. 201217 déc. 2013United Services Automobile Association (Usaa)Duplicate check detection
US8615461 *6 nov. 200924 déc. 2013James MacPhersonSystem and methods for processing open-end mutual fund purchase and redemption orders at centralized securities exchanges and other securities trading and processing platforms
US86157195 nov. 200524 déc. 2013Jumptap, Inc.Managing sponsored content for delivery to mobile communication facilities
US86202856 août 201231 déc. 2013Millennial MediaMethods and systems for mobile coupon placement
US8626629 *23 déc. 20107 janv. 2014Gilbert LeistnerSystems for provision of remote services
US862673619 nov. 20127 janv. 2014Millennial MediaSystem for targeting advertising content to a plurality of mobile communication facilities
US86310186 déc. 201214 janv. 2014Millennial MediaPresenting sponsored content on a mobile communication facility
US864524827 oct. 20114 févr. 2014Hsbc Technology & Services (Usa) Inc.Integrated customer communications computer system and process for implementing same
US864668513 janv. 200911 févr. 2014Lead Core Fund, L.L.C.Device for allocating a payment authorization request to a payment processor
US865589118 nov. 201218 févr. 2014Millennial MediaSystem for targeting advertising content to a plurality of mobile communication facilities
US866089130 oct. 200725 févr. 2014Millennial MediaInteractive mobile advertisement banners
US866637630 oct. 20074 mars 2014Millennial MediaLocation based mobile shopping affinity program
US8676609 *12 janv. 200718 mars 2014Integrated Claims Systens, LLCAttachment integrated claims systems and operating methods therefor
US867667221 août 200818 mars 2014E2Interactive, Inc.Systems and methods for electronic delivery of stored value
US8676707 *30 juil. 200818 mars 2014Orbis Patents Ltd.Credit cards system and method having additional features
US86827304 janv. 201125 mars 2014Jpmorgan Chase Bank, N.A.System and method for linked account having sweep feature
US868482714 sept. 20121 avr. 2014Cantor Index, LlcExchange of entries corresponding to participants in a sports competition
US868808829 avr. 20131 avr. 2014Millennial MediaSystem for targeting advertising content to a plurality of mobile communication facilities
US86885798 juin 20111 avr. 2014United Services Automobile Association (Usaa)Automatic remote deposit image preparation apparatuses, methods and systems
US868867114 nov. 20051 avr. 2014Millennial MediaManaging sponsored content based on geographic region
US869977928 août 200915 avr. 2014United Services Automobile Association (Usaa)Systems and methods for alignment of check during mobile deposit
US870664017 juil. 200622 avr. 2014The Western Union CompanySystems and methods for enrolling consumers in goods and services
US870822731 oct. 200629 avr. 2014United Services Automobile Association (Usaa)Systems and methods for remote deposit of checks
US8725633 *26 févr. 200813 mai 2014Jpmorgan Chase Bank, N.A.System and method of operating a debit card reward program
US87384512 avr. 200927 mai 2014MetabankSystem, program product, and method for debit card and checking account autodraw
US8738526 *6 oct. 201127 mai 2014Paypal Inc.Instant availability of electronically transferred funds
US87449158 sept. 20103 juin 2014MetabankSystem, program product, and method for debit card and checking account autodraw
US8756105 *3 déc. 201117 juin 2014ImageVision.net, Inc.Point of service transaction managaement for service facilities
US875614217 déc. 199917 juin 2014Cfph, LlcComputer-implemented securities trading system
US8756150 *26 janv. 200917 juin 2014Orbis Patents LimitedCredit card system and method
US8762262 *6 sept. 200224 juin 2014Capital One Financial CorporationMethod and system for automatically collecting payment for a credit account
US876226719 juin 201324 juin 2014The Western Union CompanyMoney transfer system and messaging system
US876455814 sept. 20121 juil. 2014Cantor Index, LlcSystem and method for betting on a participant in a group of events
US876831914 sept. 20121 juil. 2014Millennial Media, Inc.Presentation of sponsored content on mobile device based on transaction event
US876873223 mai 20071 juil. 2014Discovery Holdings LimitedSystem and method of managing an insurance scheme
US87688083 mai 20131 juil. 2014Jpmorgan Chase Bank, N.A.Method and system for distribution of unactivated bank account cards
US8768818 *18 août 20081 juil. 2014International Business Machines CorporationIdentifying teaser surfers with time series credit history
US877477729 avr. 20138 juil. 2014Millennial Media, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US87752948 mars 20018 juil. 2014Stikine Technology, LlcAutomated linked order processing
US877530611 juil. 20128 juil. 2014Paypal Inc.Instant availabililty of electronically transferred funds
US8788379 *21 déc. 200722 juil. 2014Amazon Technologies, Inc.Providing configurable pricing for execution of software images
US878841418 déc. 200822 juil. 2014MetabankTransfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account
US87931806 juil. 201229 juil. 2014Chicago Mercantile Exchange Inc.Ratio spreads for contracts of different sizes in implied market trading
US879450913 janv. 20095 août 2014Lead Core Fund, L.L.C.Systems and methods for processing a payment authorization request over disparate payment networks
US879859229 avr. 20135 août 2014Jumptap, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US8799032 *21 juin 20125 août 2014Hartford Fire Insurance CompanySystem and method to predict an insurance policy benefit associated with telematics data
US87991388 mars 20015 août 2014Stikine Technology, LlcRouting control for orders eligible for multiple markets
US8799141 *28 nov. 20115 août 2014Sap AgFramework for implementing trade preference agreements
US879914731 oct. 20065 août 2014United Services Automobile Association (Usaa)Systems and methods for remote deposit of negotiable instruments with non-payee institutions
US880533920 oct. 201112 août 2014Millennial Media, Inc.Categorization of a mobile user profile based on browse and viewing behavior
US8805735 *9 juil. 200712 août 2014Morgan Stanley Capital International, Inc.System and method for determining model credit default swap spreads
US881252618 oct. 201119 août 2014Millennial Media, Inc.Mobile content cross-inventory yield optimization
US881403913 janv. 200926 août 2014Lead Core Fund, L.L.C.Methods for processing a payment authorization request utilizing a network of point of sale devices
US881888718 déc. 200826 août 2014MetabankComputer-implemented methods, program product, and system for micro-loan product management
US881890417 janv. 200726 août 2014The Western Union CompanyGeneration systems and methods for transaction identifiers having biometric keys associated therewith
US881965929 mars 201126 août 2014Millennial Media, Inc.Mobile search service instant activation
US882063313 janv. 20092 sept. 2014Lead Core Fund, L.L.C.Methods for a third party biller to receive an allocated payment authorization request
US883210019 janv. 20069 sept. 2014Millennial Media, Inc.User transaction history influenced search results
US88378068 juin 201116 sept. 2014United Services Automobile Association (Usaa)Remote deposit image inspection apparatuses, methods and systems
US88433958 mars 201023 sept. 2014Millennial Media, Inc.Dynamic bidding and expected value
US884339616 sept. 201323 sept. 2014Millennial Media, Inc.Managing payment for sponsored content presented to mobile communication facilities
US884393911 oct. 201123 sept. 2014Hsbc Technology & Services (Usa) Inc.Computer architecture and process for application processing engine
US88513668 août 20117 oct. 2014Visa International Service AssociationMoney transfer service with authentication
US885136917 juil. 20097 oct. 2014Lead Core Fund, L.L.C.Systems and methods for transaction processing using a smartcard
US887447729 août 200628 oct. 2014Steven Mark HoffbergMultifactorial optimization system and method
US887599013 janv. 20094 nov. 2014Lead Core Fund, L.L.C.Systems and methods for allocating a payment authorization request to a payment processor
US88939679 sept. 201025 nov. 2014Visa International Service AssociationSecure Communication of payment information to merchants using a verification token
US89143078 nov. 201016 déc. 2014Bank Of America CorporationProcessing loan transactions
US8930258 *15 avr. 20116 janv. 2015Trading Technologies International, IncDynamically activating and deactivating one or more elements of a trading tool
US893026425 sept. 20136 janv. 2015Goldman, Sachs & Co.Methods, software programs, and systems for managing one or more liabilities
US895574118 mai 200917 févr. 2015The Western Union CompanyMoney transfer systems and methods for travelers
US89587795 août 201317 févr. 2015Millennial Media, Inc.Mobile dynamic advertisement creation and placement
US895903315 mars 200717 févr. 2015United Services Automobile Association (Usaa)Systems and methods for verification of remotely deposited checks
US897757121 août 200910 mars 2015United Services Automobile Association (Usaa)Systems and methods for image monitoring of check during mobile deposit
US898971830 oct. 200724 mars 2015Millennial Media, Inc.Idle screen advertising
US899596817 juin 201331 mars 2015Millennial Media, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US899597317 juin 201331 mars 2015Millennial Media, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US903888614 mai 201026 mai 2015Visa International Service AssociationVerification of portable consumer devices
US90535898 oct. 20139 juin 2015Experian Information Solutions, Inc.System and method for monitoring and predicting vehicle attributes
US90535908 oct. 20139 juin 2015Experian Information Solutions, Inc.System and method for monitoring and predicting vehicle attributes
US905840629 oct. 201216 juin 2015Millennial Media, Inc.Management of multiple advertising inventories using a monetization platform
US905862726 mars 201416 juin 2015Consumerinfo.Com, Inc.Circular rotational interface for display of consumer credit information
US907617510 mai 20067 juil. 2015Millennial Media, Inc.Mobile comparison shopping
US90762768 oct. 20137 juil. 2015Experian Information Solutions, Inc.System and method for monitoring and predicting vehicle attributes
US910502713 mai 201111 août 2015Visa International Service AssociationVerification of portable consumer device for secure services
US910669116 sept. 201111 août 2015Consumerinfo.Com, Inc.Systems and methods of identity protection and management
US911099617 févr. 201418 août 2015Millennial Media, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US912304429 juin 20141 sept. 2015The Western Union CompanyGeneration systems and methods for transaction identifiers having biometric keys associated therewith
US912934030 déc. 20108 sept. 2015United Services Automobile Association (Usaa)Apparatuses, methods and systems for remote deposit capture with enhanced image detection
US91294641 août 20068 sept. 2015The Western Union CompanyStaged transactions systems and methods
US914704222 nov. 201129 sept. 2015Experian Information Solutions, Inc.Systems and methods for data verification
US9152994 *19 avr. 20116 oct. 2015Planetary Emissions Management, Inc.Systems and methods for managing global warning
US915896617 oct. 201313 oct. 2015United Services Automobile AssociationCharacter count determination for a digital image
US917719716 oct. 20143 nov. 2015United Services Automobile Association (Usaa)Systems and methods for alignment of check during mobile deposit
US917719816 oct. 20143 nov. 2015United Services Automobile Association (Usaa)Systems and methods for alignment of check during mobile deposit
US919599314 oct. 201324 nov. 2015Millennial Media, Inc.Mobile advertisement syndication
US92019799 mars 20091 déc. 2015Millennial Media, Inc.Syndication of a behavioral profile associated with an availability condition using a monetization platform
US920848819 nov. 20128 déc. 2015Mozido, Inc.Using a mobile wallet infrastructure to support multiple mobile wallet providers
US921396525 nov. 200915 déc. 2015MetabankMachine, methods, and program product for electronic inventory tracking
US9218625 *10 sept. 201122 déc. 2015Trading Technologies International, Inc.Method and interface for historical display of market information
US921872016 avr. 200822 déc. 2015Cfph, LlcBox office game
US922387831 juil. 200929 déc. 2015Millenial Media, Inc.User characteristic influenced search results
US922413620 mars 201429 déc. 2015United Services Automobile Association (Usaa)Systems and methods for remote deposit of checks
US923028317 juin 20135 janv. 2016Consumerinfo.Com, Inc.Card registry systems and methods
US92515118 oct. 20132 févr. 2016MetabankTransfer account systems, computer program products, and associated computer-implemented methods
US925690414 août 20099 févr. 2016Experian Information Solutions, Inc.Multi-bureau credit file freeze and unfreeze
US927102331 mars 201423 févr. 2016Millennial Media, Inc.Presentation of search results to mobile devices based on television viewing history
US9275360 *20 janv. 20121 mars 2016Hsbc Technology & Services (Usa) Inc.Account opening flow configuration computer system and process for implementing same
US928651417 oct. 201315 mars 2016United Services Automobile Association (Usaa)Character count determination for a digital image
US931167015 sept. 200912 avr. 2016Steven M. HoffbergGame theoretic prioritization system and method
US9311671 *25 nov. 200812 avr. 2016Bank Of America CorporationSystem and method of providing replenishment and pick-up services to one or more cash handling devices
US93178489 août 201319 avr. 2016Visa International Service AssociationIntegration of verification tokens with mobile communication devices
US9324098 *5 nov. 200826 avr. 2016Amazon Technologies, Inc.Hosted payment service system and method
US933651716 oct. 201410 mai 2016United Services Automobile Association (Usaa)Systems and methods for alignment of check during mobile deposit
US93365425 avr. 201210 mai 2016Textura CorporationConstruction payment management system and method with automatic notification workflow features
US9355390 *15 févr. 201131 mai 2016Visa International Service AssociationPrepaid account funds transfer apparatuses, methods and systems
US93554175 avr. 201231 mai 2016Textura CorporationConstruction payment management system and method with draw notification features
US93729714 nov. 201321 juin 2016Visa International Service AssociationIntegration of verification tokens with portable computing devices
US93845007 juil. 20145 juil. 2016Millennial Media, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US938615011 nov. 20135 juil. 2016Millennia Media, Inc.Presentation of sponsored content on mobile device based on transaction event
US93904364 août 201412 juil. 2016Millennial Media, Inc.System for targeting advertising content to a plurality of mobile communication facilities
US940058912 mars 201326 juil. 2016Consumerinfo.Com, Inc.Circular rotational interface for display of consumer credit information
US940608514 mars 20132 août 2016Consumerinfo.Com, Inc.System and methods for credit dispute processing, resolution, and reporting
US9407551 *29 janv. 20092 août 2016St-Ericsson SaMethod of transferring data and corresponding device
US94244132 mars 201223 août 2016Visa International Service AssociationIntegration of payment capability into secure elements of computers
US944326827 janv. 201413 sept. 2016Consumerinfo.Com, Inc.Bill payment and reporting
US945477228 avr. 201427 sept. 2016Millennial Media Inc.Interaction analysis and prioritization of mobile content
US94604413 avr. 20084 oct. 2016Textura CorporationConstruction payment management system and method with document exchange features
US94719258 mai 200618 oct. 2016Millennial Media LlcIncreasing mobile interactivity
US947773719 nov. 201425 oct. 2016Consumerinfo.Com, Inc.Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US94896944 févr. 20168 nov. 2016Experian Information Solutions, Inc.Multi-bureau credit file freeze and unfreeze
US9501773 *31 janv. 201122 nov. 2016Xia DaiSecured transaction system
US950806725 mars 201329 nov. 2016MetabankSystem, program product and methods for retail activation and reload associated with partial authorization transactions
US9514456 *14 mars 20136 déc. 2016Bank Of America CorporationSingle payment card for flexible payment vehicle options for a transaction
US953626316 mai 20143 janv. 2017Consumerinfo.Com, Inc.Debt services candidate locator
US953626517 juil. 20143 janv. 2017Trading Technologies International, Inc.Dynamically activating and deactivating one or more elements of a trading tool
US95425536 août 201510 janv. 2017Consumerinfo.Com, Inc.Systems and methods of identity protection and management
US95426824 janv. 201610 janv. 2017Consumerinfo.Com, Inc.Card registry systems and methods
US95515825 oct. 201524 janv. 2017Blanding Hovenweep, LlcMobile communication device
US955851929 avr. 201131 janv. 2017Consumerinfo.Com, Inc.Exposing reporting cycle information
US956975620 juin 201314 févr. 2017United Services Automobile Association (Usaa)Systems and methods for image monitoring of check during mobile deposit
US956979715 déc. 201114 févr. 2017Consumerinfo.Com, Inc.Systems and methods of presenting simulated credit score information
US95828019 oct. 201428 févr. 2017Visa International Service AssociationSecure communication of payment information to merchants using a verification token
US958926827 mai 20167 mars 2017Visa International Service AssociationIntegration of payment capability into secure elements of computers
US960733615 juin 201228 mars 2017Consumerinfo.Com, Inc.Providing credit inquiry alerts
US965454111 nov. 201316 mai 2017Consumerinfo.Com, Inc.Aggregating user web browsing data
US966585415 juin 201230 mai 2017Consumerinfo.Com, Inc.Authentication alerts
US96658554 nov. 201330 mai 2017MetabankMachine, methods, and program product for electronic inventory tracking
US967256918 mai 20156 juin 2017Hartford Fire Insurance CompanySystem and method for actual and smartphone telematics data based processing
US967257117 août 20156 juin 2017Hartford Fire Insurance CompanySystem and method to provide vehicle telematics based data on a map display
US968490528 sept. 201520 juin 2017Experian Information Solutions, Inc.Systems and methods for data verification
US96908201 avr. 201627 juin 2017Experian Information Solutions, Inc.Database system for triggering event notifications based on updates to database records
US96972634 mars 20134 juil. 2017Experian Information Solutions, Inc.Consumer data request fulfillment system
US96974935 févr. 20164 juil. 2017Bank Of America CorporationSystem and method of providing replenishment and pick-up services to one or more cash handling devices
US969756828 juin 20164 juil. 2017Consumerinfo.Com, Inc.System and methods for credit dispute processing, resolution, and reporting
US97038923 mars 201411 juil. 2017Millennial Media LlcPredictive text completion for a mobile communication facility
US971085222 avr. 201418 juil. 2017Consumerinfo.Com, Inc.Credit report timeline user interface
US9715681 *14 mai 201025 juil. 2017Visa International Service AssociationVerification of portable consumer devices
US972114713 mai 20141 août 2017Consumerinfo.Com, Inc.Digital identity
US974762123 sept. 200829 août 2017Amazon Technologies, Inc.Widget-based integration of payment gateway functionality into transactional sites
US975424512 mars 20135 sept. 2017Amazon Technologies, Inc.Payments portal
US975428731 mars 20145 sept. 2017Millenial Media LLCSystem for targeting advertising content to a plurality of mobile communication facilities
US20010042040 *8 mars 200115 nov. 2001Christopher KeithRouting control for orders eligible for multiple markets
US20010044770 *8 mars 200122 nov. 2001Christopher KeithPlatform for market programs and trading programs
US20010051909 *8 mars 200113 déc. 2001Christopher KeithMarket program for interacting with trading programs on a platform
US20020091608 *10 oct. 200111 juil. 2002Odegaard Laura J.System and method for a financial planning competition
US20020091617 *8 mars 200111 juil. 2002Christopher KeithTrading program for interacting with market programs on a platform
US20020095376 *5 sept. 200118 juil. 2002George LikourezosSystem and method for effecting a real-time payment for an item won on an electronic auction
US20020111907 *25 janv. 200215 août 2002Ling Marvin T.Systems and methods for conducting electronic commerce transactions requiring micropayment
US20020138379 *29 mars 200126 sept. 2002Miwako YuasaInformation lease management system, information lease management apparatus, information processing apparatus, information lease management method and recording medium
US20020198772 *22 juin 200126 déc. 2002Bates Cary LeeEncouraging house card use through price guarantees
US20030093303 *24 juil. 200215 mai 2003Mang Advisors, Llc.System, apparatus, and method for implementing a retirement plan for a cooperative and members thereof
US20030093354 *26 déc. 200215 mai 2003Marshall David J.Method for hedging one or more liabilities associated with a deferred compensation plan and for recordkeeping information of such a hedge
US20030093365 *13 nov. 200115 mai 2003Halper Steven C.Predatory lending detection system and method therefor
US20030093366 *14 janv. 200215 mai 2003Halper Steven C.Automated loan risk assessment system and method
US20030097333 *19 févr. 200222 mai 2003Fujitsu LimitedElectronic money processing method and program and recording medium
US20030105696 *4 déc. 20025 juin 2003Andrew Kalotay Associates, Inc.Method of and apparatus for administering an asset-backed security using coupled lattice efficiency analysis
US20030126054 *28 déc. 20013 juil. 2003Purcell, W. RichardMethod and apparatus for optimizing investment portfolio plans for long-term financial plans and goals
US20030126083 *3 janv. 20023 juil. 2003First Data CorporationMethod for receiving electronically transferred funds using an automated teller machine
US20030163400 *5 nov. 200228 août 2003Ivan RossMethod for structuring an obligation
US20030163413 *28 févr. 200228 août 2003Wiczkowski Frank T.Method of conducting anonymous transactions over the internet
US20030163418 *20 févr. 200328 août 2003Audrey MarksThird party real-time multi-payment and remittance system
US20030172028 *7 mars 200211 sept. 2003International Business Machines CorporationAuthorization of payment for a commercial transaction via a bluetooth enabled device
US20030182198 *29 mai 200225 sept. 2003Amos AharoniE-DRAFT express
US20030212625 *14 nov. 200213 nov. 2003Martyn Peter J.Summary scan layout
US20030216987 *9 mai 200320 nov. 2003Cassandra MollettSystems and methods for accessing and using phone number validation information
US20030216988 *9 mai 200320 nov. 2003Cassandra MollettSystems and methods for using phone number validation in a risk assessment
US20030225649 *21 mai 20034 déc. 2003Simpson Mark S.System and method for automatically investing in an investment or savings account by using the "rounded up" of credit card purchase amounts to produce savings/investment amounts
US20040019550 *27 juil. 200229 janv. 2004Rochit RajsumanIntangible property enumerating method and system
US20040030642 *11 sept. 200112 févr. 2004Per VindebyMethod and arrangement for the transfer of an electronic sum of money from a credit store
US20040039667 *22 août 200226 févr. 2004Winklevoss Technologies, L.L.C.Evaluation of financial aspects of a retirement benefit plan
US20040049452 *9 sept. 200211 mars 2004First Data CorporationMultiple credit line presentation instrument
US20040078310 *17 oct. 200222 avr. 2004Louis ShafferSystem and method for determining a return-on-investment in a semiconductor or data storage fabrication facility
US20040111363 *21 mai 200310 juin 2004First Usa Bank, N.A.Method and system for enhancing credit line management, price management and other discretionary levels setting for financial accounts
US20040117288 *26 août 200317 juin 2004David MarshallMethod for providing default protection in connection with a deferred compensation liability
US20040153405 *21 nov. 20035 août 2004David MillaryPoint of service transaction management for service facilities
US20040167865 *25 févr. 200326 août 2004Manuel AlemanyApparatus and method for data interchange
US20040204236 *2 avr. 200414 oct. 2004Silverbrook Research Pty LtdCompetition entry with limited return messaging
US20040210503 *21 avr. 200421 oct. 2004Marshall David J.Method for hedging one or more liabilities associated with a deferred compensation plan
US20040215495 *13 mars 200228 oct. 2004Eder Jeff ScottMethod of and system for defining and measuring the elements of value and real options of a commercial enterprise
US20040215558 *8 sept. 200328 oct. 2004First Data CorporationSystems and methods for producing suspicious activity reports in financial transactions
US20040220868 *1 mai 20034 nov. 2004Marvin Dainoff Associates, Inc.Financial information display system
US20040236653 *30 janv. 200425 nov. 2004Sokolic Jeremy N.System and method for associating identifiers with data
US20040243505 *16 avr. 20042 déc. 2004Michael SweetingSystems and methods for providing dynamic price improvement
US20040249752 *6 juin 20039 déc. 2004Impact Consulting & ManagementCharity funding method using an open-ended stored-value card
US20050044026 *18 août 200424 févr. 2005Gilbert LeistnerSystem and method for identification of quasi-fungible goods and services, and financial instruments based thereon
US20050071398 *22 déc. 200331 mars 2005Dueppers Johannes GustavInterest calculation tool
US20050080694 *30 sept. 200314 avr. 2005Schmidt Diane Simona BettinaManagement of intra-day interest calculations for bank accounts
US20050091154 *7 févr. 200328 avr. 2005Tri-C IncMethod of settlement using mobile communication terminal
US20050097026 *4 nov. 20035 mai 2005Matt MoranoDistributed trading bus architecture
US20050125295 *9 déc. 20039 juin 2005Tidwell Lisa C.Systems and methods for obtaining payor information at a point of sale
US20050125296 *9 déc. 20039 juin 2005Tidwell Lisa C.Systems and methods for obtaining biometric information at a point of sale
US20050125337 *9 déc. 20039 juin 2005Tidwell Lisa C.Systems and methods for identifying payor location based on transaction data
US20050125338 *9 déc. 20039 juin 2005Tidwell Lisa C.Systems and methods for assessing the risk of a financial transaction using reconciliation information
US20050125339 *9 déc. 20039 juin 2005Tidwell Lisa C.Systems and methods for assessing the risk of a financial transaction using biometric information
US20050125360 *9 déc. 20039 juin 2005Tidwell Lisa C.Systems and methods for obtaining authentication marks at a point of sale
US20050131796 *26 janv. 200516 juin 2005Goldman Sachs & Co.Reduction of financial instrument volatility
US20050131798 *6 janv. 200416 juin 2005Eisler Clifford R.Method and system for administering the hedging of an employee deferred compensation plan using swaps
US20050137951 *23 déc. 200323 juin 2005Leslie MichelassiSystems and methods for accessing reconcilement information
US20050149440 *23 déc. 20037 juil. 2005Leslie MichelassiSystems and methods for routing requests for reconcilement information
US20050165670 *18 mars 200528 juil. 2005Espeed, Inc.Systems and methods for linking orders in electronic trading systems
US20050167481 *28 mars 20054 août 2005First Data CorporationSystem and method for transferring money from one country to a stored value account in a different country
US20050182780 *17 févr. 200418 août 2005Forman George H.Data de-duplication
US20050187862 *18 déc. 200325 août 2005Sanjeev DheerCompliance monitoring method and apparatus
US20050187867 *31 janv. 200525 août 2005Sokolic Jeremy N.System and method for associating identifiers with transactions
US20050197857 *4 mars 20058 sept. 2005Avery N. C.Method and system for optimal pricing and allocation
US20050256748 *1 avr. 200517 nov. 2005Adrian GoreMethod of managing a life insurance policy and a system therefor
US20060006224 *26 août 200412 janv. 2006Visa International Service Association, A Delaware CorporationMoney transfer service with authentication
US20060020544 *23 juil. 200426 janv. 2006Johnson Controls Technology CompanySystem and method for tracking emissions
US20060143110 *9 févr. 200629 juin 2006Hsx, Inc.Computer-implemented securities trading system with a virtual specialist function
US20060163341 *21 nov. 200527 juil. 2006First Data Corp.Internet funds transfer system using ATM pickup
US20060173772 *2 févr. 20053 août 2006Hayes John BSystems and methods for automated processing, handling, and facilitating a trade credit transaction
US20060184435 *17 nov. 200317 août 2006Sheyda MostowfiDebt collecting and financing method
US20060229967 *11 juin 200212 oct. 2006Espeed, Inc.Systems and methods for providing price improvement in an active trading market
US20060271479 *12 juil. 200630 nov. 2006Allin Patrick JConstruction payment management system and method with budget reconciliation features
US20060287965 *13 juin 200621 déc. 2006E.E. System CorporationMethod and system for real time online debit transactions
US20070005432 *25 août 20064 janv. 2007George LikourezosSystem and method for offering an incentive to a user of an electronic commerce web site
US20070005487 *31 août 20064 janv. 2007Chistopher KeithRouting control for orders eligible for multiple markets
US20070005488 *31 août 20064 janv. 2007Chistopher KeithRouting control for orders eligible for multiple markets
US20070011060 *12 sept. 200611 janv. 2007First Data CorporationElectronic Gift Linking
US20070088661 *17 oct. 200519 avr. 2007Omx Technology AbReal-time deal engagement outcome determination
US20070118393 *28 nov. 200624 mai 2007Entaire Global Intellectual Property, Inc.Method of compensating an employee
US20070118453 *17 nov. 200624 mai 2007Bauerschmidt Paul AMultiple quote risk management
US20070118454 *17 nov. 200624 mai 2007Bauerschmidt Paul ACross-currency implied spreads
US20070118455 *14 juin 200624 mai 2007Albert William JSystem and method for directed request for quote
US20070118459 *31 oct. 200624 mai 2007Bauerschmidt Paul ASystem and method for centralized clearing of over the counter foreign exchange instruments
US20070118463 *12 janv. 200724 mai 2007Avery N CMethod and system for optimal pricing and allocation in an offering of a plurality of types
US20070118464 *12 janv. 200724 mai 2007Avery N CMethod and system for optimal pricing and allocation with additional units allocated
US20070118465 *12 janv. 200724 mai 2007Avery N CMethod and system for optimal pricing and allocation with limits on units offered
US20070118476 *17 janv. 200724 mai 2007George LikourezosSystem and method to automate payment for a commerce transaction
US20070130053 *12 janv. 20077 juin 2007Avery N CMethod and system for optimal pricing and allocation with allotments
US20070143203 *5 avr. 200621 juin 2007Espeed, Inc.System and method for processing composite trading orders
US20070143204 *5 avr. 200621 juin 2007Espeed, Inc.System and method for processing composite trading orders at a client
US20070143715 *8 févr. 200721 juin 2007Silverbrook Research Pty LtdMethod of providing information via printed substrate and gesture recognition
US20070156558 *14 mars 20075 juil. 2007Wolzenski Bernard HProcess for Comprehensive Financial and Estate Planning
US20070174179 *9 janv. 200726 juil. 2007Avery N CMethod and system for optimal pricing and allocation with canceling/modifying of indications of interest
US20070198404 *6 avr. 200723 août 2007Jp Morgan Chase BankSystem and method for linked account having sweep feature
US20070203734 *26 févr. 200730 août 2007Michael WhelchelSystems and methods of providing online live auctions
US20070208648 *31 août 20066 sept. 2007Christopher KeithTrading system with elfs and umpires
US20070226139 *24 mars 200627 sept. 2007Manfred CrumbachSystems and methods for bank determination and payment handling
US20070233513 *28 mai 20074 oct. 2007Silverbrook Research Pty LtdMethod of providing merchant resource or merchant hyperlink to a user
US20070241179 *25 nov. 200318 oct. 2007Joan-Astrid DavisNegotiable instruments and systems and processing same
US20070255642 *31 août 20061 nov. 2007Christopher KeithTrading system with elfs and umpires
US20070260493 *12 janv. 20078 nov. 2007Dirienzo Andrew LAttachment integrated claims systems and operating methods therefor
US20070265885 *7 avr. 200615 nov. 2007Cox Doug PBenchmarking system and method
US20070267480 *31 mai 200722 nov. 2007The Western Union CompanyValue transfer systems and methods
US20070299756 *8 août 200727 déc. 2007Clearly Michael JMethod and System for Distribution of Unactivated Bank Account Cards
US20080004993 *8 mai 20063 janv. 2008Horspool Jason ASystem and method for managing physical and logical assets
US20080005022 *12 sept. 20073 janv. 2008Textura, LlcConstruction payment management system and method with hierarchical invoicing and direct payment features
US20080010199 *17 sept. 200710 janv. 2008Textura, Llc.Construction payment management system and method with budget reconciliation features
US20080021823 *26 sept. 200724 janv. 2008Textura, Llc.Construction payment management system and method with graphical user interface features
US20080027840 *27 sept. 200731 janv. 2008Textura, Llc.Construction payment management system and method with automatic workflow management features
US20080027844 *18 juil. 200731 janv. 2008On Q Technologies Pty Ltd.System and Method for Organising and Operating an Electronic Account
US20080033854 *7 août 20077 févr. 2008Tim Hung-Minh NguyenEquilibrium flow between economic systems
US20080035723 *5 juin 200714 févr. 2008The Western Union CompanyMoney transfer systems and methods for travelers
US20080040263 *9 août 200714 févr. 2008V2 Green, Inc.Business Methods in a Power Aggregation System for Distributed Electric Resources
US20080040264 *10 oct. 200714 févr. 2008Textura, Llc.Construction payment management system and method with actionable notification features
US20080046359 *12 sept. 200721 févr. 2008Textura, Llc.Construction payment management system and method with one-time registration features
US20080046368 *26 oct. 200721 févr. 2008First Data CorporationSystems and methods for assessing the risk of a financial transaction using authenticating marks
US20080059304 *11 août 20076 mars 2008Kimsey Robert SMethod of active advertising and promotion in an online environment
US20080109272 *8 nov. 20068 mai 2008Anshul SheopuriApparatus, System, Method and Computer Program Product for Analysis of Fraud in Transaction Data
US20080126267 *28 nov. 200629 mai 2008Entaire Global Intellectual Property, Inc.System for managing the total risk exposure for a portfolio of loans
US20080134101 *17 janv. 20085 juin 2008Silverbrook Research Pty LtdSensing device with mode changes via nib switch
US20080147468 *14 sept. 200719 juin 2008Textura, Llc.Construction payment management system and method with automated electronic document generation features
US20080172297 *31 janv. 200817 juil. 2008Reynolds Blake LSystems and Methods for Advancing Collections on Unpaid Debts
US20080177594 *3 déc. 200724 juil. 2008Bob LamoureuxElectronic sales system
US20080189141 *21 déc. 20057 août 2008Adrian GoreMethod of Managing the Business of a Health Insurance Plan and a System Therefor
US20080201175 *30 avr. 200821 août 2008Ryan Lance LevinManaging the business of a medical scheme
US20080201260 *16 févr. 200721 août 2008Toby UnwinInternet micro payments system
US20080208724 *29 févr. 200828 août 2008Jorn IversenSystem and method for settling trades in a digital merchant exchange
US20080215471 *25 févr. 20084 sept. 2008First Data CorporationSystems and methods for prioritizing reconcilement information searches
US20080217399 *7 mars 200711 sept. 2008Eric LeblancSystem and method for controlling usage of a payment card
US20080249809 *8 août 20059 oct. 2008Matsushita Electric Industrial Co., Ltd.Computer System for Actively Monitoring and Enhancing the Collateral Security for a Portfolio of Loans to Facilitating Financing and Securitization
US20080281730 *22 avr. 200813 nov. 2008Daniel MargolisMethod and system for digital image inventors and claims processing
US20080288386 *20 oct. 200620 nov. 2008Aspect Capital LimitedMethod of Systematic Trend-Following
US20080306839 *23 juin 200811 déc. 2008Myecheck, Inc.Method and apparatus for online check processing
US20090012863 *1 juil. 20088 janv. 2009Syta SaephanAutomatic image advertisement generator
US20090012875 *7 juil. 20088 janv. 2009Zanini ValerioMethod and system for facilitating commercial transactions using automatic virtual currency
US20090012886 *30 avr. 20088 janv. 2009Allin Patrick JConstruction payment management systems and methods with specified billing features
US20090018917 *11 juil. 200815 janv. 2009Brent ChapmanPlatform for advertisement referrals for authors of video content
US20090018941 *20 juin 200815 janv. 2009Gatten Bill JEquity holder land trust business method
US20090020345 *29 sept. 200822 janv. 2009Silverbrook Research Pty LtdMethod of printed bill payment using optically imaging pen
US20090024611 *18 déc. 200722 janv. 2009Ching Feng WangSystem and method for transmitting securities information
US20090026259 *6 oct. 200829 janv. 2009The Western Union CompanyMethod and system for performing money transfer transactions
US20090030838 *1 oct. 200829 janv. 2009Utbk, Inc.Method, apparatus and system for marketing , delivering , and collecting payment for information
US20090037233 *14 oct. 20085 févr. 2009American Express Travel Related Services Company, Inc.Interactive demand management
US20090037347 *8 oct. 20085 févr. 2009Grigsby & Associates, Inc.Method and apparatus for offering, pricing, and selling securities over a network
US20090043712 *20 oct. 200812 févr. 2009Tim BridgesDynamic reallocation hedge accounting
US20090048883 *30 juin 200819 févr. 2009Mastercard International IncorporatedMethod and apparatus for facilitating intragovernmental transactions
US20090048885 *30 sept. 200819 févr. 2009American Express Travel Related Services Company, Inc.Systems and Methods for Facilitating Cost-Splitting Transactions
US20090048886 *30 sept. 200819 févr. 2009American Express Travel Related Services Company, Inc.Systems and Methods for Facilitating Gifting Transactions
US20090048887 *30 sept. 200819 févr. 2009American Express Travel Related Services Company, Inc.Systems and Methods for Facilitating Transactions Involving an Intermediary
US20090048912 *13 août 200719 févr. 2009Research In Motion LimitedSystem and method for dynamic configuration of scanning engine
US20090048963 *30 sept. 200819 févr. 2009American Express Travel Related Services Company, Inc.Systems and methods for facilitating transactions with interest
US20090048965 *18 août 200819 févr. 2009International Business Machines CorporationMethod and System for Identifying Teaser Surfers with Time Series Credit History
US20090076957 *1 déc. 200819 mars 2009American Express Travel Related Services Company, Inc.Systems and Methods for Allocating an Amount to a Third Party Biller
US20090106165 *12 sept. 200823 avr. 2009Solomon Research LlcSystem for intelligent search agent to access data in a distributed network
US20090112636 *31 oct. 200830 avr. 2009Shacom. Com Inc.Investment-Linked Insurance Apparatus and Method
US20090112762 *27 oct. 200830 avr. 2009Jonathon HAMBURGMethod for funding a charity using a prepaid card
US20090112766 *23 oct. 200830 avr. 2009Ayman HammadDevice including multiple payment applications
US20090121013 *18 déc. 200814 mai 2009American Express Travel Related Services Company,Negotiable instruments and systems and processing same
US20090150192 *12 déc. 200811 juin 2009Discovery Holdings LimitedMethod and system for calculating the premiums and benefits of life insurance and related risk products based on participation in a wellness program
US20090150270 *16 janv. 200911 juin 2009American Express Travel Related Services Company Inc.Systems and Methods for Suggesting an Allocation
US20090150271 *16 janv. 200911 juin 2009American Express Travel Related Services Company, Inc.Systems and Methods for Authorizing an Allocation of an Amount Between Transaction Accounts
US20090150288 *16 janv. 200911 juin 2009American Express Travel Related Services CompanySystems and Methods for Authorizing an Allocation of an Amount Between Transaction Accounts
US20090157518 *13 janv. 200918 juin 2009American Express Travel Related Services Company, Inc.Systems and Methods for Allocating a Payment Authorization Request to a Payment Processor
US20090157519 *13 janv. 200918 juin 2009American Express Travel Related Servics Company, Inc.Device for Allocating a Payment Authorization Request to a Payment Processor
US20090164324 *13 janv. 200925 juin 2009American Express Travel Related Services Company, Inc.Methods for a Third Party Biller to Receive an Allocated Payment Authorization Request
US20090164325 *13 janv. 200925 juin 2009American Express Travel Related Services Company, Inc.Systems and Methods for Locating an Automated Clearing House Utilizing a Point of Sale Device
US20090164326 *13 janv. 200925 juin 2009American Express Travel Related Services Company, Inc.Methods for locating a payment system utilizing a point of sale device
US20090164327 *13 janv. 200925 juin 2009American Express Travel Related Services Company, Inc.Methods for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices
US20090164328 *13 janv. 200925 juin 2009American Express Travel Related Services Company, Inc.Systems and Methods for Locating a Payment System and Determining a Taxing Authority Utilizing a Point of Sale Device
US20090164329 *13 janv. 200925 juin 2009American Express Travel Related Services Company, Inc.Systems for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices
US20090164330 *13 janv. 200925 juin 2009American Express Travel Related Services Company, Inc.Systems and Methods for Processing a Payment Authorization Request Over Disparate Payment Networks
US20090164331 *13 janv. 200925 juin 2009American Express Travel Related Services Company, Inc.Systems for Locating a Payment System Utilizing a Point of Sale Device
US20090164368 *18 déc. 200825 juin 2009Scott GalitPrivate Label Promotion Card System, Program Product, And Associated Computer-Implemented Methods
US20090192933 *8 avr. 200930 juil. 2009Trading Technologies International, Inc.System and Method for Coordinating Automated and Semi-Automated Trading Tools
US20090192939 *29 janv. 200930 juil. 2009Stmicroelectronics SaMethod of transferring data and corresponding device
US20090192947 *24 janv. 200830 juil. 2009Fmr LlcGenerating a Savings Plan
US20090216637 *22 oct. 200827 août 2009Anthony Jeremiah BayneSystem and method for making a synthetic cash advance using a purchase payment exchange
US20090240532 *23 mai 200724 sept. 2009Adrian GoreSystem and method of managing an insurance scheme
US20090265241 *5 juin 200922 oct. 2009American Express Travel Related Services Company, Inc.Systems and methods for determining a rewards account to fund a transaction
US20090265249 *5 juin 200922 oct. 2009American Express Travel Related Services Company, Inc.Systems and methods for split tender transaction processing
US20090265250 *5 juin 200922 oct. 2009American Express Travel Related Services Company, Inc.Systems and methods for processing a transaction according to an allowance
US20090265362 *1 juil. 200922 oct. 2009State Street BankVerification of net asset values
US20090271277 *5 juin 200929 oct. 2009American Express Travel Related Services Company, Inc.Systems and methods for transaction processing based upon an overdraft scenario
US20090271315 *28 avr. 200929 oct. 2009Ayman HammadPortable device including alterable indicator
US20090287564 *5 juin 200919 nov. 2009American Express Travel Related Services Company, Inc.Systems and methods for maximizing a rewards accumulation strategy during transaction processing
US20090287565 *5 juin 200919 nov. 2009American Express Travel Related Services Company, Inc.Systems and methods for point of interaction based policy routing of transactions
US20090289106 *17 juil. 200926 nov. 2009American Express Travel Related Services Company,Systems and methods for transaction processing using a smartcard
US20090292632 *10 avr. 200926 nov. 2009Cash Edge, Inc.Compliance Monitoring Method and Apparatus
US20090299774 *3 juin 20093 déc. 2009Discovery Holdings LimitedSystem and method of managing an insurance scheme
US20090299901 *28 mai 20093 déc. 2009Pnb Remittance Centers, Inc.Automated remittance machine and method
US20090307015 *3 juin 200910 déc. 2009Discovery Holdings LimitedSystem and method of managing an insurance scheme
US20090313161 *21 mai 200917 déc. 2009Bullion Direct, Inc.System and method for electronic trading and delivery of a commoditized product
US20090319389 *23 juin 200824 déc. 2009Google Inc.Item reservation
US20100001884 *13 sept. 20097 janv. 2010Silverbrook Research Pty LtdMethod of recording information using first and second position codes
US20100023354 *23 mai 200728 janv. 2010Adrian GoreSystem and method of managing an insurance scheme
US20100049558 *21 août 200825 févr. 2010Beigi Mandis SSystem and method for automatically generating suggested entries for policy sets with incomplete coverage
US20100057534 *26 sept. 20084 mars 2010Smart Channel, L.L.C.Advertising-buying optimization method, system, and apparatus
US20100057608 *7 nov. 20094 mars 2010Mcpherson JamesSystem and methods for processing open-end mutual fund purchase and redemption orders at centralized securities exchanges and other securities trading and processing platforms
US20100057801 *31 juil. 20094 mars 2010Jorey RamerUser Characteristic Influenced Search Results
US20100063921 *10 sept. 200811 mars 2010Flaherty James ESystem and method for performing lease-by-lease cash flow and risk analysis in the commercial backed securities (CMBS) environment
US20100070431 *17 sept. 200918 mars 2010Scott KaylieSystem and method for evaluating securities transactions
US20100076881 *19 sept. 200825 mars 2010O'grady Thomas LiamEnhanced Valuation System and Method for Real Estate
US20100076994 *17 juin 200925 mars 2010Adam SorocaUsing Mobile Communication Facility Device Data Within a Monetization Platform
US20100082478 *10 mars 20081 avr. 2010Koninklijke Philips Electronics N.V.Apparatus & methods for digital content distribution
US20100100468 *20 oct. 200822 avr. 2010Spector OmriSystem and method for multi layer rule processing background
US20100116780 *6 janv. 200913 mai 2010Jae Min MyoungMethod for patterning nanowires on substrate using novel sacrificial layer material
US20100131395 *5 nov. 200927 mai 2010Allin Patrick JConstruction payment management system and method with real-time draw notification features
US20100131407 *25 nov. 200827 mai 2010Bank Of America CorporationSystem and Method of Providing Replenishment and Pick-up Services to One or More Cash Handling Devices
US20100153302 *18 déc. 200917 juin 2010Marshall David JMethod for hedging one or more liabilities associated with a deferred compensation plan
US20100174633 *8 janv. 20098 juil. 2010New York Mercantile Exchange, Inc.Determination of Implied Orders in a Trade Matching System
US20100179908 *12 janv. 201015 juil. 2010The Western Union CompanyMethod And System For Performing Money Transfer Transactions
US20100191634 *27 avr. 200929 juil. 2010Bank Of America CorporationFinancial transaction monitoring
US20100205113 *21 avr. 201012 août 2010Chicago Mercantile Exchange Inc.Multiple quote risk management
US20100219239 *11 mai 20102 sept. 2010Silverbrook Research Pty LtdMethod of interacting with printed substrate
US20100250425 *26 mars 200930 sept. 2010Michael SweetingTrading system with price improvement
US20100262528 *14 janv. 201014 oct. 2010Claus Matthew WComposite trading order processing
US20100268643 *4 juin 201021 oct. 2010Allin Patrick JConstruction payment management system and method with budget reconciliation features
US20100274692 *14 mai 201028 oct. 2010Ayman HammadVerification of portable consumer devices
US20100274721 *27 avr. 201028 oct. 2010Ayman HammadVerification of portable consumer devices
US20100293189 *11 mai 201018 nov. 2010Ayman HammadVerification of Portable Consumer Devices
US20100301112 *15 juil. 20102 déc. 2010Silverbrook Research Pty LtdSystem for providing information to user with every interaction with printed substrate
US20100306133 *9 août 20102 déc. 2010Chicago Mercantile Exchange, Inc.Order Risk Management for Financial Product Processing
US20100312689 *18 août 20109 déc. 2010Chicago Mercantile Exchange Inc.Cross-currency implied spreads
US20100312720 *18 août 20109 déc. 2010Chicago Mercantile Exchange Inc.Hybrid cross-margining
US20100325035 *16 juin 201023 déc. 2010Nancy HilgersFraud/risk bureau
US20100325039 *28 avr. 201023 déc. 2010Mastercard International IncorporatedApparatus, method, and computer program product for encoding enhanced issuer information in a card
US20100332369 *14 janv. 201030 déc. 2010Claus Matthew WProcessing composite trading orders
US20100332379 *4 sept. 201030 déc. 2010Pranil RamInteractive grid-based graphical trading system for real time security trading
US20110016044 *24 sept. 201020 janv. 2011Craig ShapiroProcesses and systems employing multiple sources of funds
US20110024493 *14 oct. 20103 févr. 2011Silverbrook Reseach Pty LtdSystem for providing anonymous competition entry
US20110029387 *15 oct. 20103 févr. 2011Jumptap, Inc.Carrier-Based Mobile Advertisement Syndication
US20110040584 *26 oct. 201017 févr. 2011American Express Travel Related Services Company, Inc.Interactive demand management
US20110040673 *21 oct. 201017 févr. 2011Woodmansey Robert JSystems and methods for linking orders in electronic trading systems
US20110060681 *17 nov. 201010 mars 2011Woodmansey Robert JSystems and methods for linking orders in electronic trading systems
US20110060682 *17 nov. 201010 mars 2011Woodmansey Robert JSystems and methods for linking orders in electronic trading systems
US20110066543 *17 nov. 201017 mars 2011Woodmansey Robert JSystems and methods for linking orders in electronic trading systems
US20110087584 *14 déc. 201014 avr. 2011New York Mercantile Exchange, Inc.Distributed trading bus architecture
US20110087597 *15 déc. 201014 avr. 2011Ebay Inc.Funding on-line accounts
US20110093291 *23 déc. 201021 avr. 2011Gilbert LeistnerMethods for managing a medical event
US20110106614 *22 déc. 20105 mai 2011Jumptap, Inc.Mobile User Characteristics Influenced Search Results
US20110106693 *27 oct. 20105 mai 2011Halper Steven CAutomated Loan Risk Assessment System and Method
US20110131103 *4 janv. 20112 juin 2011Hirka Jeffrey LSystem and Method for Linked Account Having Sweep Feature
US20110145076 *21 févr. 201116 juin 2011Jorey RamerMobile Campaign Creation
US20110153428 *28 févr. 201123 juin 2011Jorey RamerTargeted advertising to specified mobile communication facilities
US20110161102 *23 déc. 201030 juin 2011Gilbert LeistnerSystems for provision of remote services
US20110173137 *22 mars 201114 juil. 2011Sid BrowneMethod and System for Stress Testing Simulations of the Behavior of Financial Instruments
US20110178927 *19 janv. 201121 juil. 2011Mike LindelseeVerification mechanism
US20110191230 *20 déc. 20104 août 2011Avery N CalebMethod and system for optimal pricing and allocation for a set of contractual rights to be offered with canceling/modifying of indications of interest
US20110191231 *14 janv. 20114 août 2011Zuver Jr Kenneth RayMethod and System for Improving Trading and a Trader's Ranking
US20110191235 *12 avr. 20114 août 2011Dmitriy GlinbergHybrid cross-margining
US20110191244 *31 janv. 20114 août 2011Xia DaiSecured Transaction System
US20110196776 *7 févr. 201111 août 2011Freehold Capital, Inc.Method for facilitating exchange of consumer data
US20110202455 *15 févr. 201118 août 2011Brett VastenPrepaid account funds transfer apparatuses, methods and systems
US20110202458 *7 mars 201118 août 2011Checkfree CorporationBill availability notification and billing information request
US20110238553 *2 juin 201029 sept. 2011Ashwin RajElectronic account-to-account funds transfer
US20110258049 *1 févr. 201120 oct. 2011Jorey RamerIntegrated Advertising System
US20110282784 *13 mai 201117 nov. 2011Giftango CorporationSystems and methods for reassignment of a virtual card
US20110320339 *10 sept. 201129 déc. 2011Trading Technologies International, Inc.Method and interface for historical display of market information
US20120023011 *3 mars 201126 janv. 2012Quickbridge (Uk) LimitedPlug-in system and method for consumer credit acquisition online
US20120041872 *25 oct. 201116 févr. 2012Leroux Lambert WayneSystem and method for payment data processing
US20120041876 *6 oct. 201116 févr. 2012Luke Paul NosekInstant availability of electronically transferred funds
US20120066131 *8 août 201115 mars 2012Visa International Service AssociationMoney transfer service with authentication
US20120084193 *19 avr. 20115 avr. 2012Marino Bruno D VSystems and methods for managing global warming
US20120089509 *23 févr. 201112 avr. 2012Ebay Inc.Systems and methods for facilitating payment reconciliation over a network
US20120116822 *4 avr. 201110 mai 2012Ebay Inc.System and method for dynamic pricing of an insurance policy
US20120130899 *14 juin 201124 mai 2012Mcmonagle Patrick ShawnCheck21 processing of non-dda transactions
US20120150570 *20 août 201014 juin 2012Ali Samad-KhanRisk assessment/measurement system and risk-based decision analysis tool
US20120173416 *12 mars 20125 juil. 2012Anthony Jeremiah BayneSystem and method for making a synthetic cash advance using a purchase payment exchange
US20120179494 *20 janv. 201212 juil. 2012Hsbc Technologies Inc.Account opening flow configuration computer system and process for implementing same
US20120179598 *11 janv. 201112 juil. 2012Jason RothSystems and Methods for Assessing Metrics of Loans, Financial Instruments and Financial Entities
US20120179605 *6 janv. 201112 juil. 2012Citizens Financial Group, Inc.System for allowing a user to control the manner and amount paid to settle account transactions
US20120191493 *21 janv. 201126 juil. 2012Bank Of America CorporationDetermining technology costs associated with a financial product
US20120191517 *15 déc. 201126 juil. 2012Daffin Jr Mack PaulPrepaid virtual card
US20120191593 *26 janv. 201126 juil. 2012Bank Of America CorporationProviding an interface to loan information
US20120191599 *24 janv. 201126 juil. 2012Psonar LimitedOn-line content distribution system
US20120197802 *27 janv. 20122 août 2012Janet SmithMethod and system for determining fraud in a card-not-present transaction
US20120203711 *3 févr. 20129 août 2012Discovery Holdings LimitedSystem and method of managing an investment on behalf of an investor
US20120203713 *3 févr. 20129 août 2012Discovery Holdings LimitedSystem and method of managing an investment on behalf of an investor
US20120209705 *29 avr. 201216 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120209706 *29 avr. 201216 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120209707 *29 avr. 201216 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120209708 *29 avr. 201216 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120209709 *29 avr. 201216 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120209710 *29 avr. 201216 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120209766 *23 avr. 201216 août 2012Checkfree CorporationBill availability notification and billing information request
US20120209768 *14 févr. 201116 août 2012Ebay, Inc.Payment system with location restrictions
US20120215602 *29 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215612 *29 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215622 *28 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215623 *29 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215624 *29 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215625 *29 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215626 *29 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215635 *29 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215639 *29 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215640 *29 avr. 201223 août 2012Jorey RamerSystem for Targeting Advertising to Mobile Communication Facilities Using Third Party Data
US20120215686 *1 nov. 201023 août 2012Les Contes Perpetuels Inc.Method and system for enabling a user to create a document in a collaborative environment
US20120215687 *23 févr. 201123 août 2012Manish JainEnterprise resource planning (erp) integrator system and method
US20120226611 *1 mars 20116 sept. 2012Nimish RadiaMethod and system for conducting a monetary transaction using a mobile communication device
US20120239427 *3 déc. 201120 sept. 2012David MillaryPoint of service transaction managaement for service facilities
US20120239546 *14 mai 201220 sept. 2012Trading Technologies International, Inc.System and Method for Coordinating Automated and Semi-Automated Trading Tools
US20120254001 *28 mars 20114 oct. 2012Ran Alexander SMethod and system for providing an agreement witness service
US20120265664 *15 avr. 201118 oct. 2012Trading Technologies International, Inc.Dynamically Activating and Deactivating One or More Elements of a Trading Tool
US20120278237 *27 avr. 20121 nov. 2012Iconlab Inc.Method, System and Mobile Device for Distributing Gift Certificate
US20120296795 *20 mai 201122 nov. 2012Citigroup Global Markets, Inc.Methods and systems for matching buy and sell orders
US20120310828 *1 juin 20116 déc. 2012Ebay, Inc.Instant bank account verification through debit card network
US20120323777 *19 juin 201220 déc. 2012Liberty Michael ABusiness to business mobile vault
US20120330840 *26 juin 201227 déc. 2012Kai StinchcombeConfigurable system and apparatus for rendering payment decisions and triggering actions
US20130013492 *16 mai 201210 janv. 2013Nelson Chris RMethod and system for refunds and/or credits responsive to consumer dissatisfaction with software downloads
US20130066766 *12 sept. 201214 mars 2013Fannie MaeSystem and method for committing to purchase or sell loans
US20130159188 *17 déc. 201220 juin 2013SaySearch Inc.Automatic user validation system and method
US20130226772 *15 mars 201329 août 2013Cfph, LlcAcquiring people
US20130232062 *1 mars 20135 sept. 2013Work Market, Inc.Systems and methods for providing online market
US20130262150 *11 avr. 20123 oct. 2013Mckesson Financial HoldingsData-driven concepts for processing claims
US20130275288 *10 oct. 201217 oct. 2013Pranil RamInteractive grid-based graphical trading system for real time security trading
US20130275293 *4 juin 201317 oct. 2013Interthinx, Inc.Automated Loan Risk Assessment System and Method
US20130282551 *15 mars 201324 oct. 2013Cfph, LlcAcquiring people
US20130290159 *25 avr. 201331 oct. 2013Paresh Ashok KhanapurkarSystem, method, and apparatus for providing a prediction-based marketplace
US20130297500 *3 mai 20137 nov. 2013Epar, LlcElectronic Payment Automated Reconciliation Platform
US20130325703 *4 mars 20135 déc. 2013Blackbaud, Inc.Systems, methods, and computer program products for membership program management
US20140149283 *18 juin 201329 mai 2014Hsbc Technologies Inc.Account opening computer system architecture and process for implementing same
US20140229367 *13 févr. 201314 août 2014Kitaru Innovations Inc.Apparatus for financing mobile equipment
US20140278560 *13 mars 201318 sept. 2014Msfs, LlcHealth insurance product
US20140279327 *15 mars 201318 sept. 2014Andrew KeyesMethod And Systems For Illuminating Statistical Uncertainties To Empower Decision Making
US20140279471 *14 mars 201318 sept. 2014Bank Of America CorporationSingle payment card for flexible payment vehicle options for a transaction
US20140279491 *14 mars 201318 sept. 2014Ford Global Technologies, LlcMethod and apparatus for vehicle accessible atm transactions
US20140279518 *15 mars 201318 sept. 2014José Antonio Acuna-RohterSystem and method for consumer fraud protection
USD75968925 mars 201421 juin 2016Consumerinfo.Com, Inc.Display screen or portion thereof with graphical user interface
USD75969025 mars 201421 juin 2016Consumerinfo.Com, Inc.Display screen or portion thereof with graphical user interface
USD76025625 mars 201428 juin 2016Consumerinfo.Com, Inc.Display screen or portion thereof with graphical user interface
CN102428487A *15 févr. 201125 avr. 2012维萨美国公司Prepaid Account Funds Transfer Apparatuses, Methods And Systems
WO2012112413A1 *13 févr. 201223 août 2012Ebay Inc.Payment system with location restrictions
Classifications
Classification aux États-Unis235/379
Classification internationaleG07F7/08
Classification coopérativeG06Q20/10, G07F7/0866, G06Q40/00, G06Q20/401, G06Q20/382
Classification européenneG06Q40/00, G06Q20/401, G06Q20/382, G06Q20/10, G07F7/08C
Événements juridiques
DateCodeÉvénementDescription
31 mai 2001ASAssignment
Owner name: WALKER, JAY, CONNECTICUT
Free format text: SECURITY INTEREST;ASSIGNOR:WALKER DIGITAL, LLC;REEL/FRAME:011874/0792
Effective date: 20010531
Owner name: WALKER, JAY,CONNECTICUT
Free format text: SECURITY INTEREST;ASSIGNOR:WALKER DIGITAL, LLC;REEL/FRAME:011874/0792
Effective date: 20010531
1 mars 2013ASAssignment
Owner name: EBAY INC., CALIFORNIA
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:WALKER DIGITAL, LLC;REEL/FRAME:029904/0954
Effective date: 20120103
22 juil. 2015ASAssignment
Owner name: PAYPAL, INC., CALIFORNIA
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:EBAY INC.;REEL/FRAME:036159/0887
Effective date: 20150717