Patents in subclass Data Processing: Financial, Business Practice, Management, Or Cost/Price Determination/Including Funds Transfer Or Credit Transaction
Parent class: Data Processing: Financial, Business Practice, Management, Or Cost/Price Determination
| Number | Patent title | Issue Date |
|---|---|---|
| 07407095 | IPOS transaction terminal Apparatus and methods for translation processing. The apparatus may be a transaction system including a keypad, a circuit for interacting with the transaction customer and a link communicatively connecting the keypad and the... |
08/05/2008 |
| 07409366 | Apparatus and method for adding liquidity to an ECN and improving executions of orders for securities The invention provides methods and systems for improved execution of orders for securities and for adding liquidity to markets. Embodiments include receiving from customers orders for quantities of securities to be bought or sold, the... |
08/05/2008 |
| 07409369 | Providing a customer one or more options for increasing a line of credit A method for providing a customer one or more options for increasing a line of credit includes communicating to a customer one or more solicitations offering the customer a credit account and providing the customer one or more options for... |
08/05/2008 |
| 07406442 | System and method for providing a credit card with multiple credit lines A system and method for providing a credit card with multiple lines of credit. One of the disclosed methods include, for example, analyzing credit information of a cardholder to determine a level of risk associated with the cardholder;... |
07/29/2008 |
| 07406472 | Integrated import/export system An integrated import/export system includes a database of records relating to a plurality of shipments of goods, a database server and an application server. The application server communicates with the database server to provide members... |
07/29/2008 |
| 07403922 | Method and apparatus for evaluating fraud risk in an electronic commerce transaction A technique for evaluating fraud risk in e-commerce transactions between consumer and a merchant is disclosed. The merchant requests service from the system using a secure, open messaging protocol. An e-commerce transaction or electronic... |
07/22/2008 |
| 07398918 | Systems and method for risk triggering values The invention includes systems and methods for facilitating risk assessment for point of sale transactions utilizing at least one risk triggering value (RTV) stored within a distributed (e.g., local and/or regional) processing site. An... |
07/15/2008 |
| 07398919 | Transaction card system and approach A deferred-type payment approach facilitates transaction card management and processing. According to an example embodiment, a user's transaction card purchases are authorized against a purchase limit associated with a... |
07/15/2008 |
| 07401039 | Analytical tools for a community of investors having investment portfolios A system and method for providing analytical tools for a community of investors having investment portfolios. A first tool provides an indication of a user's selection effectiveness regarding the user's choice of investments relative to... |
07/15/2008 |
| 07401049 | System and method for a prepaid card issued by a foreign financial institution A system and method for providing a reloadable prepaid card account maintained by a foreign financial institution is provided. The foreign financial institution is provided with a domestic payment network authorization code, such as the... |
07/15/2008 |
| 07401050 | Method to improve debt collection practices A method of improving debt collection from a debtor acquires pertinent debtor information in real time or near-real-time. Newly acquired debtor information is used in a debt collection decision procedure which determines the appropriate... |
07/15/2008 |
| 07401051 | Automated teller machine system and method relay center Automated teller machine systems and methods for reducing system development efforts by financial institutions and for providing a financial transaction system that is adapted for using one or more common ATMs. In addition, systems and... |
07/15/2008 |
| 07395958 | Conducting monetary transactions with minimal coin transfer When a monetary transaction is made between a merchant and a customer, some or all of the change owed to the customer will be transferred to a data storage card carried by the customer. Instead of receiving the change in the form of... |
07/08/2008 |
| 07398236 | Method and medium for budgeting A method and system for budgeting is provided that includes determining a funds total from at least an income amount. The method further provides for budgeting, comprising creating a worksheet including an arrangement of a funds total, an... |
07/08/2008 |
| 07398246 | Method and system for managing a mortgage rebate transaction card account A method and system of managing a mortgage rebate transaction card account in which a transaction card provider computes a mortgage rebate amount based on the amount of charges incurred against the account and periodically arranges for... |
07/08/2008 |
| 07398247 | Secure tax meter and certified service provider center for collecting sales and/or use taxes on sales that are made via the internet and/or catalog A system and method that enables sellers to control all aspects of their sales transaction and customer data, while still providing taxing jurisdictions with the assurance that sales and use taxes are properly being accounted for and... |
07/08/2008 |
| 07398248 | System and method for using cards for sponsored programs A method, system, and computer program product for implementing a marketing application using a store card as a Reward Card, Rebate Card, Pre-paid Script Program Card, Incentive Card, and/or Gift Card, as well as a Frequent Shopper Card.... |
07/08/2008 |
| 07398249 | ACH debit blocking method and system The invention provides a method and system for blocking fraudulent or incorrect Automated Clearing House (ACH) debits. In an embodiment of the invention, the number of fraudulent and incorrect ACH debits is significantly reduced by... |
07/08/2008 |
| 07398250 | Method and system for restricting the usage of payment accounts A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which... |
07/08/2008 |
| 07392935 | Method and apparatus for accepting check deposits via the internet using browser-based technology A browser plug-in to drive a device for securely transmitting documents in real-time over the Internet into an enterprise's computing environment is provided. Leveraging the Check Clearing for the 21st Century Act, a system and method for... |
07/01/2008 |
| 07395239 | System and method for automatically processing loan applications A system and method for processing applications for loans secured by real estate, wherein an applicant is prompted for one or more parameters of a requested loan and for data regarding the applicant, data regarding the applicant's credit... |
07/01/2008 |
| 07395240 | Financial product and collaborative system and method for providing and monitoring a financial product A method and a Financial Product providing for Banks and other large Finance Companies (Intermediaries) to market and fund the Financial Product to its Customers (Customers) and potential Customers, whereby the entire Financial Product... |
07/01/2008 |
| 07395241 | Consumer-directed financial transfers using automated clearinghouse networks Consumer directed transfers of funds over the Internet are provided by a combination of systems and networks, including the Internet, email, and the Automated Clearinghouse system (ACH). A host system provided by a funds transfer service... |
07/01/2008 |
| 07395242 | Method and system for restricting the usage of payment accounts A user's ability to spend and/or receive funds for payment accounts maintained in an electronic wallet are limited. These limitations include restrictions on where the user is able to spend the funds in a payment account (e.g., at which... |
07/01/2008 |
| 07395243 | Technique for presenting matched billers to a consumer A technique for identifying a consumer's electronic billers in which the consumer does not identify billers is provided. The consumer transmits, from a consumer station, a request for a service provider to identify his or her electronic... |
07/01/2008 |
| 07392210 | Workflow management system and method A computerized workflow management method and system to provide operational support for complex multi-step processes is disclosed. The method of workflow management involves creating an underlying database structure for recording the... |
06/24/2008 |
| 07392222 | System and method for providing promotional pricing A system and method for providing promotional pricing is disclosed. One or more pricing offers may be provided to a plurality of credit accounts, wherein the pricing offers may be directed to transactions associated with particular... |
06/24/2008 |
| 07392223 | Electronic billing with updateable electronic bill summary An electronic bill payment network includes a plurality of user network stations associated with different users, a plurality of biller network stations associated with different billers, and a central network station. A first user... |
06/24/2008 |
| 07389259 | On-line interactive system and method for transacting business The present invention includes a method for transacting business over a network between multiple buyers and sellers. In an exemplary embodiment, the invention operates within an improved extranet system which is a secure, limited access... |
06/17/2008 |
| 07389266 | Systems and methods for managing credit account products with adjustable credit limits Systems and methods consistent with the present invention manage a credit card having an adjustable credit limit. The system determines whether the credit limit is likely to be reached by possible transactions made by the customer when... |
06/17/2008 |
| 07389267 | Electronic verification system and method A computer based system, method, and computer program product for performing verification between two parties. The system generates buyer and seller sample data from data stored on buyer and seller systems based on a determined... |
06/17/2008 |
| 07389268 | Trading tools for electronic trading Tools for trading and monitoring a commodity on an electronic exchange using a graphical user interface and a user input device. The tools will aid the trader in determining the status, trends in the market, and the trader's position in... |
06/17/2008 |
| 07386494 | Method and apparatus for receiving a subscription for a security A method and apparatus provides on a home page of a web site information about a mutual fund subscription and a link which may be followed to a web page which may be used to subscribe to the fund online. |
06/10/2008 |
| 07386498 | Transaction assisting apparatus and recording medium A transaction assisting apparatus capable of automatically transacting chain orders. Chain order input unit accepts entry of a chain order and supplies the input chain order to chain order storing unit to be stored therein. Order... |
06/10/2008 |
| 07386499 | Stock trading limit order coupled link (Lock) This invention has the potential to generate very good return on investments from stocks that are conservative in movement. This invention will greatly benefit investors that do not have the time to constantly trade stock yet want to take... |
06/10/2008 |
| 07386502 | Method, software program, and system for structuring risk in a financial transaction A method of structuring a financial transaction, including allocating to a transaction pool n credits, each of the credits having an obligation to make specified payments and each of the credits being in a non-default state when a... |
06/10/2008 |
| 07386506 | Fraud score calculating program, method of calculating fraud score, and fraud score calculating system for credit cards A fraud score calculating program primarily for use in determining the possibility of credit card fraud can calculate a score reflecting the reliability of a model created based on Bayesian theory. Various factors are extracted from... |
06/10/2008 |
| 07386508 | Method and apparatus for facilitating a transaction between a buyer and one seller A seller server receives an offer which specifies a type of product (e.g. a seat on a flight), at least one condition (e.g. destination and date of departure), and an offer price specified by a buyer. The seller server also receives an... |
06/10/2008 |
| 07386509 | Apparatus and methods for correlating magnetic indicia data with database records The present invention is related to methods and apparatus for locating information related to a check drafter. In one embodiment, a communication is received indicating that a first check drafted by a drafter failed to clear. The... |
06/10/2008 |
| 07386520 | Cost-based method for dynamically pricing and prioritizing an e-mail Method for dynamically allocating a cost to an e-mail that a first user of a transmission network such as the Internet network or an Intranet network who is a member of a group, wants to forward to a second user of the transmission... |
06/10/2008 |
| 07383213 | Apparatus and method for maintaining a children's automated bank account An electronic terminal includes an input device for receiving input from a user. The electronic terminal also includes a processing unit electrically coupled to the input device. Yet further, the electronic terminal includes a memory... |
06/03/2008 |
| 07383223 | Method and apparatus for managing multiple accounts A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and... |
06/03/2008 |
| 07383224 | Systems and methods for processing credit card transactions that exceed a credit limit A method, system, and computer are disclosed for managing a financial transaction associated with a financial account, wherein the transaction would cause an outstanding balance of the financial account to exceed a credit limit. The... |
06/03/2008 |
| 07383225 | Module for the interconnectivity of independent software applications The present invention discloses an interconnectivity program module that provides for interconnectivity and interfacing of independent application programs in the context of a data processing system. Specifically, the interconnectivity... |
06/03/2008 |
| 07383252 | Advanced search algorithm with integrated business intelligence The present invention is a business intelligence within an adaptive searching system. The searching system uses a business intelligence engine for communicating with a corporate database associated with a business enterprise and a... |
06/03/2008 |
| 07377427 | Method, apparatus and POS system for processing credit card transactions associated with POS sales A method apparatus and POS system for processing credit card transactions associated with POS sales to inhibit illegal credit card use. The method involves reading magnetic stripe information including the credit card number from the... |
05/27/2008 |
| 07379901 | Accessing a vendor web site using personal account information retrieved from a credit card company web site A method of accessing a vendor web site (3422) over a global communication packet-switched network (306) using personal account information of a credit card (3400) retrieved from a credit card company server (3300) on the network (306).... |
05/27/2008 |
| 07379913 | Anonymous transaction system An Anonymous Transaction Service (ATS) solves or alleviates the problems outlined above. The ATS provides anonymous, automated, risk-based differential pricing that allows consumers to receive offers from multiple suppliers with only a... |
05/27/2008 |
| 07379916 | System and method for private secure financial transactions A clocked authentication, authorization and accounting (CAAA) system and method offers private and secure credit/debit card online and offline financial transactions (FT) including an embedded privacy and security layer (EPSL)... |
05/27/2008 |
| 07379972 | System and method for granting deposit-contingent e-mailing rights An Email guarantee deposit method, system, and program product, with the method comprising in one embodiment, the steps of: receiving from a sender a request to send to a recipient an Email; receiving a deposit or an authorization to... |
05/27/2008 |