[go: up one dir, main page]

AU2001243530A1 - Routing methods and systems for increasing payment transaction volume and profitability - Google Patents

Routing methods and systems for increasing payment transaction volume and profitability

Info

Publication number
AU2001243530A1
AU2001243530A1 AU2001243530A AU4353001A AU2001243530A1 AU 2001243530 A1 AU2001243530 A1 AU 2001243530A1 AU 2001243530 A AU2001243530 A AU 2001243530A AU 4353001 A AU4353001 A AU 4353001A AU 2001243530 A1 AU2001243530 A1 AU 2001243530A1
Authority
AU
Australia
Prior art keywords
profitability
systems
payment transaction
transaction volume
routing methods
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
AU2001243530A
Inventor
Brian Buckley
Lance Johnson
Paul C. Kocher
Peter Meffert
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
DOUBLECREDIT Corp
Original Assignee
DOUBLECREDIT CORP
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by DOUBLECREDIT CORP filed Critical DOUBLECREDIT CORP
Publication of AU2001243530A1 publication Critical patent/AU2001243530A1/en
Abandoned legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
AU2001243530A 2000-03-10 2001-03-09 Routing methods and systems for increasing payment transaction volume and profitability Abandoned AU2001243530A1 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US09/523,405 US6999943B1 (en) 2000-03-10 2000-03-10 Routing methods and systems for increasing payment transaction volume and profitability
US09523405 2000-03-10
PCT/US2001/007554 WO2001069492A1 (en) 2000-03-10 2001-03-09 Routing methods and systems for increasing payment transaction volume and profitability

Publications (1)

Publication Number Publication Date
AU2001243530A1 true AU2001243530A1 (en) 2001-09-24

Family

ID=24084863

Family Applications (1)

Application Number Title Priority Date Filing Date
AU2001243530A Abandoned AU2001243530A1 (en) 2000-03-10 2001-03-09 Routing methods and systems for increasing payment transaction volume and profitability

Country Status (3)

Country Link
US (1) US6999943B1 (en)
AU (1) AU2001243530A1 (en)
WO (1) WO2001069492A1 (en)

Families Citing this family (460)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8396811B1 (en) 1999-02-26 2013-03-12 Syncada Llc Validation approach for auditing a vendor-based transaction
US8392285B2 (en) * 1996-11-12 2013-03-05 Syncada Llc Multi-supplier transaction and payment programmed processing approach with at least one supplier
US20070055582A1 (en) 1996-11-12 2007-03-08 Hahn-Carlson Dean W Transaction processing with core and distributor processor implementations
US20080172314A1 (en) * 1996-11-12 2008-07-17 Hahn-Carlson Dean W Financial institution-based transaction processing system and approach
US20050165699A1 (en) * 1996-11-12 2005-07-28 Hahn-Carlson Dean W. Processing and management of transaction timing characteristics
US5903882A (en) * 1996-12-13 1999-05-11 Certco, Llc Reliance server for electronic transaction system
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US6615189B1 (en) * 1998-06-22 2003-09-02 Bank One, Delaware, National Association Debit purchasing of stored value card for use by and/or delivery to others
US6032136A (en) * 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
US7660763B1 (en) 1998-11-17 2010-02-09 Jpmorgan Chase Bank, N.A. Customer activated multi-value (CAM) card
JP2003524220A (en) 1998-12-23 2003-08-12 ジェイピーモルガン・チェース・バンク System and method for integrating trading activities including creation, processing and tracking of trading documents
US20040019560A1 (en) 1999-03-12 2004-01-29 Evans Scott L. System and method for debt presentment and resolution
US7805365B1 (en) 1999-10-25 2010-09-28 Jpmorgan Chase Bank, N.A. Automated statement presentation, adjustment and payment system and method therefor
US8180706B2 (en) 1999-11-05 2012-05-15 Lead Core Fund, L.L.C. Systems and methods for maximizing a rewards accumulation strategy during transaction processing
US8820633B2 (en) 1999-11-05 2014-09-02 Lead Core Fund, L.L.C. Methods for a third party biller to receive an allocated payment authorization request
US8646685B2 (en) 1999-11-05 2014-02-11 Lead Core Fund, L.L.C. Device for allocating a payment authorization request to a payment processor
US8875990B2 (en) 1999-11-05 2014-11-04 Lead Core Fund, L.L.C. Systems and methods for allocating a payment authorization request to a payment processor
US20090271278A1 (en) * 1999-11-05 2009-10-29 American Express Travel Related Services Company, Inc. Systems and methods for routing a transaction request to a payment system via a transaction device
US8851369B2 (en) 1999-11-05 2014-10-07 Lead Core Fund, L.L.C. Systems and methods for transaction processing using a smartcard
US8814039B2 (en) 1999-11-05 2014-08-26 Lead Core Fund, L.L.C. Methods for processing a payment authorization request utilizing a network of point of sale devices
US8794509B2 (en) 1999-11-05 2014-08-05 Lead Core Fund, L.L.C. Systems and methods for processing a payment authorization request over disparate payment networks
US8596527B2 (en) 1999-11-05 2013-12-03 Lead Core Fund, L.L.C. Methods for locating a payment system utilizing a point of sale device
US8190514B2 (en) 1999-11-05 2012-05-29 Lead Core Fund, L.L.C. Systems and methods for transaction processing based upon an overdraft scenario
US8195565B2 (en) 1999-11-05 2012-06-05 Lead Core Fund, L.L.C. Systems and methods for point of interaction based policy routing of transactions
US8073772B2 (en) 1999-11-05 2011-12-06 American Express Travel Related Services Company, Inc. Systems and methods for processing transactions using multiple budgets
US8571975B1 (en) 1999-11-24 2013-10-29 Jpmorgan Chase Bank, N.A. System and method for sending money via E-mail over the internet
US8793160B2 (en) 1999-12-07 2014-07-29 Steve Sorem System and method for processing transactions
US6615190B1 (en) * 2000-02-09 2003-09-02 Bank One, Delaware, National Association Sponsor funded stored value card
US7822656B2 (en) * 2000-02-15 2010-10-26 Jpmorgan Chase Bank, N.A. International banking system and method
US7113914B1 (en) 2000-04-07 2006-09-26 Jpmorgan Chase Bank, N.A. Method and system for managing risks
US7437293B1 (en) * 2000-06-09 2008-10-14 Videa, Llc Data transmission system with enhancement data
US7983986B1 (en) * 2000-06-26 2011-07-19 Philip Carragher System for card activity-based mortgage crediting
US8078491B1 (en) * 2000-06-26 2011-12-13 H.O.M.E. Mortgage Card, LLC System for card activity-based residential crediting
US20080147564A1 (en) * 2001-06-26 2008-06-19 Tara Chand Singhal Security in use of bankcards that protects bankcard data from merchant systems in a payment card system
US7359880B2 (en) * 2000-07-11 2008-04-15 Abel Luther C System and method for consumer control over card-based transactions
US20050229003A1 (en) 2004-04-09 2005-10-13 Miles Paschini System and method for distributing personal identification numbers over a computer network
WO2002011004A1 (en) * 2000-07-27 2002-02-07 Yozan Inc. Authentication managing apparatus, and shop communication terminal
AU2001285422A1 (en) 2000-08-11 2002-02-25 John J. Loy Trade receivable processing method and apparatus
US20070005498A1 (en) * 2000-11-06 2007-01-04 Cataline Glen R System and method for optimized funding of electronic transactions
US20070162387A1 (en) * 2000-11-06 2007-07-12 Cataline Glen R System and method for optimized funding of electronic transactions
WO2002037386A1 (en) * 2000-11-06 2002-05-10 First Usa Bank, N.A. System and method for selectable funding of electronic transactions
AU2002230418A1 (en) * 2000-11-06 2002-05-15 The Government Of The United States Of America, As Represented By The Secretary Of Health And Human Services Sample delivery system with laminar mixing for microvolume biosensing
US7587363B2 (en) * 2000-11-06 2009-09-08 Jpmorgan Chase Bank, N.A. System and method for optimized funding of electronic transactions
US20040143553A1 (en) * 2000-12-01 2004-07-22 Torget John W. System and method for remotely generating instruments
US6631849B2 (en) * 2000-12-06 2003-10-14 Bank One, Delaware, National Association Selectable multi-purpose card
US20020072931A1 (en) * 2000-12-07 2002-06-13 Ronald C. Card System and method to provide financial rewards and other incentives to users of personal transaction devices
US7433829B2 (en) 2000-12-12 2008-10-07 Jpmorgan Chase Bank, N.A. System and method for managing global risk
US7295999B1 (en) 2000-12-20 2007-11-13 Jpmorgan Chase Bank, N.A. System and method for determining eligibility and enrolling members in various programs
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
US7685061B2 (en) * 2001-03-01 2010-03-23 Capital One Financial Corporation Methods and systems for providing debt recovery partnership
US7895098B2 (en) * 2001-03-01 2011-02-22 Jpmorgan Chase Bank, N.A. System and method for measuring and utilizing pooling analytics
US20020184130A1 (en) * 2001-04-04 2002-12-05 Blasko John P. Intellectual capital risk analysis system
US20050004839A1 (en) * 2001-05-04 2005-01-06 Anton Bakker Method and system for providing incentives based on a payment type
US7313546B2 (en) 2001-05-23 2007-12-25 Jp Morgan Chase Bank, N.A. System and method for currency selectable stored value instrument
WO2003010701A1 (en) 2001-07-24 2003-02-06 First Usa Bank, N.A. Multiple account card and transaction routing
US7306141B1 (en) 2001-08-13 2007-12-11 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US8020754B2 (en) 2001-08-13 2011-09-20 Jpmorgan Chase Bank, N.A. System and method for funding a collective account by use of an electronic tag
US8800857B1 (en) 2001-08-13 2014-08-12 Jpmorgan Chase Bank, N.A. System and method for crediting loyalty program points and providing loyalty rewards by use of an electronic tag
US6945453B1 (en) * 2001-08-13 2005-09-20 Bank One Delaware N.A. System and method for funding a collective account by use of an electronic tag
PT1435182E (en) * 2001-10-08 2008-03-19 Ericsson Telefon Ab L M System and method for charging in a communications network and a communications network charging server
JP4555523B2 (en) * 2001-10-15 2010-10-06 富士通株式会社 Settlement relay method
US20030093372A1 (en) * 2001-11-13 2003-05-15 International Business Machines Corporation Customizable offline payment plug-in for payment server
US7873566B1 (en) 2001-11-20 2011-01-18 First Data Corporation Systems and methods for selectively accessing or using financial account data for subsequent risk determination
US20030130919A1 (en) * 2001-11-20 2003-07-10 Randy Templeton Systems and methods for selectively accessing financial account information
US20100030675A1 (en) * 2001-12-06 2010-02-04 Hanan Christopher C Payor focused business to business electronic invoice presentment and accounts payable reconciliation system and method
US7668776B1 (en) 2002-01-07 2010-02-23 First Data Corporation Systems and methods for selective use of risk models to predict financial risk
US7653590B1 (en) 2002-01-14 2010-01-26 First Data Corporation System and method for overturning of risk evaluation performed by risk model to control financial risk
US7756896B1 (en) 2002-03-11 2010-07-13 Jp Morgan Chase Bank System and method for multi-dimensional risk analysis
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US20040210498A1 (en) 2002-03-29 2004-10-21 Bank One, National Association Method and system for performing purchase and other transactions using tokens with multiple chips
US8751391B2 (en) 2002-03-29 2014-06-10 Jpmorgan Chase Bank, N.A. System and process for performing purchase transactions using tokens
EP1535217A4 (en) * 2002-06-11 2006-06-21 First Data Corp Value processing network and methods
US7110980B2 (en) * 2002-06-21 2006-09-19 American Express Bank Ltd. System and method for facilitating electronic transfer of funds
US7558758B2 (en) * 2002-06-26 2009-07-07 International Business Machines Corporation Business event triggered, policy-driven payment management
US20040015394A1 (en) * 2002-07-19 2004-01-22 Beatrice Mok Method for rewarding customer loyalty with respect to a lease agreement
US8239304B1 (en) 2002-07-29 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for providing pre-approved targeted products
US20040039691A1 (en) * 2002-08-15 2004-02-26 Barratt Robert E. Electronic funds transaction system
US7809595B2 (en) 2002-09-17 2010-10-05 Jpmorgan Chase Bank, Na System and method for managing risks associated with outside service providers
US9064281B2 (en) 2002-10-31 2015-06-23 Mastercard Mobile Transactions Solutions, Inc. Multi-panel user interface
US10205721B2 (en) 2002-12-10 2019-02-12 Ewi Holdings, Inc. System and method for distributing personal identification numbers over a computer network
US20040167854A1 (en) * 2003-02-21 2004-08-26 Knowles W. Jeffrey System and method of currency conversion in financial transaction process
US20050027649A1 (en) * 2003-02-27 2005-02-03 Richard Cech Event typer
US10311412B1 (en) 2003-03-28 2019-06-04 Jpmorgan Chase Bank, N.A. Method and system for providing bundled electronic payment and remittance advice
US7131578B2 (en) 2003-05-28 2006-11-07 Ewi Holdings, Inc. System and method for electronic prepaid account replenishment
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US8666855B2 (en) * 2003-06-30 2014-03-04 Plati Networking, Llc System and method for a payment system directory
US7908215B2 (en) * 2003-06-30 2011-03-15 American Express Travel Related Services Company, Inc. System and method for selection of payment systems from a payment system directory to process a transaction
US7660766B1 (en) 2003-06-30 2010-02-09 Checkfree Services Corporation Technique for information flow to payees
US7930248B1 (en) * 2003-06-30 2011-04-19 Checkfree Corporation Technique for calculating payee specific time to payment completion
US8010424B1 (en) 2003-08-01 2011-08-30 Checkfree Corporation Payment processing with payee risk management
US7809617B1 (en) 2003-08-01 2010-10-05 Checkfree Corporation Payment processing with selection of a risk reduction technique
US7702583B1 (en) * 2003-08-01 2010-04-20 Checkfree Corporation Payment processing with selection of an electronic debiting option
US7653598B1 (en) 2003-08-01 2010-01-26 Checkfree Corporation Payment processing with selection of a processing parameter
US7624068B1 (en) * 2003-08-18 2009-11-24 Jpmorgan Chase Bank, N.A. Method and system for dynamically adjusting discount rates for a card transaction
US7953663B1 (en) 2003-09-04 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for financial instrument pre-qualification and offering
US20050097046A1 (en) 2003-10-30 2005-05-05 Singfield Joy S. Wireless electronic check deposit scanning and cashing machine with web-based online account cash management computer application system
EP1817726A4 (en) * 2003-11-04 2009-09-09 Ebiz Mobility Ltd Universal mobile electronic commerce
US7922083B2 (en) * 2003-11-19 2011-04-12 Harrison Sarah E Payment programs for healthcare plans
US20060167720A1 (en) * 2004-11-19 2006-07-27 American Express Travel Related Services Company, Inc. Incentive Programs for Healthcare Cards
US20100211493A9 (en) * 2003-11-19 2010-08-19 American Express Travel Related Services Company, Inc. Incentive Programs For Healthcare Cards
US7590557B2 (en) * 2003-11-19 2009-09-15 American Express Travel Related Services Company, Inc. Healthcare card incentive program for multiple users
US7783563B2 (en) * 2003-12-09 2010-08-24 First Data Corporation Systems and methods for identifying payor location based on transaction data
US7814003B2 (en) * 2003-12-15 2010-10-12 Jp Morgan Chase Billing workflow system for crediting charges to entities creating derivatives exposure
KR100439437B1 (en) * 2003-12-18 2004-07-09 주식회사 교원나라 Bank transaction system for linked accounts via common account
US8386376B2 (en) * 2004-02-09 2013-02-26 American Express Travel Related Services Company, Inc. System and method using enhanced authorization data to reduce travel-related transaction fraud
US11475436B2 (en) 2010-01-08 2022-10-18 Blackhawk Network, Inc. System and method for providing a security code
US11599873B2 (en) 2010-01-08 2023-03-07 Blackhawk Network, Inc. Systems and methods for proxy card and/or wallet redemption card transactions
US12260396B2 (en) * 2010-01-08 2025-03-25 Blackhawk Network, Inc. System for payment via electronic wallet
US7280644B2 (en) 2004-12-07 2007-10-09 Ewi Holdings, Inc. Transaction processing platform for faciliating electronic distribution of plural prepaid services
US20050279827A1 (en) * 2004-04-28 2005-12-22 First Data Corporation Methods and systems for providing guaranteed merchant transactions
MXPA06014349A (en) * 2004-06-09 2007-07-25 Bancorp Licensing Inc Financial institution-based transaction processing system and approach.
MXPA06014350A (en) 2004-06-09 2007-07-25 Bancorp Licensing Inc Order-resource fulfillment and management system and approach.
US8762238B2 (en) * 2004-06-09 2014-06-24 Syncada Llc Recurring transaction processing system and approach
US8554673B2 (en) 2004-06-17 2013-10-08 Jpmorgan Chase Bank, N.A. Methods and systems for discounts management
US8121944B2 (en) 2004-06-24 2012-02-21 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing
US8290863B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US8290862B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US7392222B1 (en) 2004-08-03 2008-06-24 Jpmorgan Chase Bank, N.A. System and method for providing promotional pricing
AU2005273497A1 (en) * 2004-08-16 2006-02-23 Sanjiv Agarwal Computerized process for differential incentives based on payment modes
US8682757B2 (en) * 2004-08-25 2014-03-25 American Express Travel Related Services Company, Inc. Method and apparatus for processing financial transactions subject to different financing terms
US7814004B2 (en) * 2004-10-29 2010-10-12 American Express Travel Related Services Company, Inc. Method and apparatus for development and use of a credit score based on spend capacity
US8204774B2 (en) 2004-10-29 2012-06-19 American Express Travel Related Services Company, Inc. Estimating the spend capacity of consumer households
US20070194108A1 (en) * 2004-11-19 2007-08-23 American Express Travel Related Services Company, Inc. Assured Payments For Health Care Plans
US7905399B2 (en) * 2004-11-19 2011-03-15 Barnes Brian T Linking transaction cards with spending accounts
US20070185802A1 (en) * 2004-11-19 2007-08-09 American Express Travel Related Services Company, Inc. Incentive Programs For Healthcare Cards
US20100070409A1 (en) * 2004-11-19 2010-03-18 Harrison Sarah E Healthcare Card Incentive Program for Multiple Users
US20070185800A1 (en) * 2004-11-19 2007-08-09 Harrison Sarah E Spending Account Systems and Methods
US20070185799A1 (en) * 2004-11-19 2007-08-09 American Express Travel Related Services Company, Inc. Spending Account Systems and Methods
US8346910B2 (en) 2004-11-30 2013-01-01 American Express Travel Related Services Company, Inc. Method and apparatus for managing an interactive network session
US20060136717A1 (en) 2004-12-20 2006-06-22 Mark Buer System and method for authentication via a proximate device
US8295484B2 (en) 2004-12-21 2012-10-23 Broadcom Corporation System and method for securing data from a remote input device
US20060167792A1 (en) * 2004-12-29 2006-07-27 Hahn-Carlson Dean W Multi-supplier transaction and payment programmed processing system and approach
US20060235758A1 (en) * 2005-04-08 2006-10-19 Paypal Inc. Authorization techniques
US7970671B2 (en) * 2005-04-12 2011-06-28 Syncada Llc Automated transaction processing system and approach with currency conversion
US7401731B1 (en) 2005-05-27 2008-07-22 Jpmorgan Chase Bank, Na Method and system for implementing a card product with multiple customized relationships
US7822682B2 (en) 2005-06-08 2010-10-26 Jpmorgan Chase Bank, N.A. System and method for enhancing supply chain transactions
US7742942B2 (en) 2005-06-22 2010-06-22 Excentus Corporation System and method for discounting fuel
US20060293953A1 (en) * 2005-06-22 2006-12-28 Nicholson G R System and method for influencing customer behavior
US7434729B2 (en) * 2005-07-08 2008-10-14 American Express Travel Related Services Company, Inc. Healthcare card closed loop network
US7970626B2 (en) 2005-07-08 2011-06-28 Oltine Acquistitions NY LLC Facilitating payments to health care providers
US20070027784A1 (en) * 2005-07-26 2007-02-01 Ip Commerce Network payment framework
US20130332343A1 (en) 2005-10-06 2013-12-12 C-Sam, Inc. Multi-tiered, secure mobile transactions ecosystem enabling platform comprising a personalization tier, a service tier, and an enabling tier
CA2624981C (en) 2005-10-06 2017-06-13 C-Sam, Inc. Three-dimensional transaction authentication
US10032160B2 (en) 2005-10-06 2018-07-24 Mastercard Mobile Transactions Solutions, Inc. Isolating distinct service provider widgets within a wallet container
US8346638B2 (en) * 2005-10-26 2013-01-01 Capital One Financial Corporation Systems and methods for processing transaction data to perform a merchant chargeback
WO2007065209A1 (en) * 2005-12-06 2007-06-14 Layby Pty Ltd Method and system for selling items via a data communications network
US7962396B1 (en) 2006-02-03 2011-06-14 Jpmorgan Chase Bank, N.A. System and method for managing risk
US7784682B2 (en) 2006-02-08 2010-08-31 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
US8408455B1 (en) 2006-02-08 2013-04-02 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
WO2007103940A2 (en) * 2006-03-06 2007-09-13 First Data Corporation Least cost network routing for electronic transactions
US9747599B2 (en) * 2006-03-31 2017-08-29 Mastercard International Incorporated Method and system for identifying and processing currency conversion in a financial transaction
US7753259B1 (en) 2006-04-13 2010-07-13 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to both customers and non-customers
CN101485185A (en) * 2006-04-26 2009-07-15 加百利·卡贝里 System and method for masking dial tone
US7707192B1 (en) 2006-05-23 2010-04-27 Jp Morgan Chase Bank, N.A. Confidence index for assets
US7505918B1 (en) 2006-05-26 2009-03-17 Jpmorgan Chase Bank Method and system for managing risks
US20080314977A1 (en) * 2006-06-08 2008-12-25 American Express Travel Related Services Company, Inc. Method, System, and Computer Program Product for Customer-Level Data Verification
US9195985B2 (en) * 2006-06-08 2015-11-24 Iii Holdings 1, Llc Method, system, and computer program product for customer-level data verification
US7734545B1 (en) 2006-06-14 2010-06-08 Jpmorgan Chase Bank, N.A. Method and system for processing recurring payments
US10296895B2 (en) 2010-01-08 2019-05-21 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
US20080040129A1 (en) * 2006-08-08 2008-02-14 Capital One Financial Corporation Systems and methods for providing a vehicle service management service
US20080040214A1 (en) * 2006-08-10 2008-02-14 Ip Commerce System and method for subsidizing payment transaction costs through online advertising
US11195163B2 (en) * 2006-09-01 2021-12-07 Mastercard International Incorporated Methods, systems and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities
US8660941B2 (en) * 2006-09-26 2014-02-25 Collections Marketing Center, Inc. Method and system for providing a multi-channel virtual collections center
US8712884B2 (en) * 2006-10-06 2014-04-29 Syncada Llc Transaction finance processing system and approach
US20110029404A1 (en) * 2006-10-06 2011-02-03 Hahn-Carlson Dean W Transaction payables processing system and approach
US8799147B1 (en) 2006-10-31 2014-08-05 United Services Automobile Association (Usaa) Systems and methods for remote deposit of negotiable instruments with non-payee institutions
US8351677B1 (en) 2006-10-31 2013-01-08 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US8682791B2 (en) * 2006-10-31 2014-03-25 Discover Financial Services Redemption of credit card rewards at a point of sale
US7873200B1 (en) 2006-10-31 2011-01-18 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US7876949B1 (en) 2006-10-31 2011-01-25 United Services Automobile Association Systems and methods for remote deposit of checks
US7885451B1 (en) 2006-10-31 2011-02-08 United Services Automobile Association (Usaa) Systems and methods for displaying negotiable instruments derived from various sources
US8708227B1 (en) 2006-10-31 2014-04-29 United Services Automobile Association (Usaa) Systems and methods for remote deposit of checks
US20080120234A1 (en) * 2006-11-17 2008-05-22 American Express Travel Related Services Company, Inc. Variable Revenue Sharing For Multiple Account Payment Instruments
US20080177659A1 (en) * 2007-01-19 2008-07-24 Timothy Douglas Lacey Systems and methods for providing financial processing in conjunction with instant messaging and other communications
US20080183627A1 (en) * 2007-01-29 2008-07-31 American Express Travel Related Services Company, Inc. Filtered healthcare payment card linked to tax-advantaged accounts
US9418501B2 (en) * 2007-02-05 2016-08-16 First Data Corporation Method for digital signature authentication of pin-less debit card account transactions
US20080189209A1 (en) * 2007-02-05 2008-08-07 First Data Corporation Real-Time Funds Transfer
US7916925B2 (en) 2007-02-09 2011-03-29 Jpmorgan Chase Bank, N.A. System and method for generating magnetic ink character recognition (MICR) testing documents
US7949543B2 (en) * 2007-02-13 2011-05-24 Oltine Acquisitions NY LLC Methods, systems, and computer program products for promoting healthcare information technologies to card members
US20080197188A1 (en) * 2007-02-15 2008-08-21 American Express Travel Related Services Company, Inc. Transmission and capture of line-item-detail to assist in transaction substantiation and matching
US8566239B2 (en) * 2007-02-22 2013-10-22 First Data Corporation Mobile commerce systems and methods
US8959033B1 (en) 2007-03-15 2015-02-17 United Services Automobile Association (Usaa) Systems and methods for verification of remotely deposited checks
US10380559B1 (en) 2007-03-15 2019-08-13 United Services Automobile Association (Usaa) Systems and methods for check representment prevention
US8892468B1 (en) * 2007-04-02 2014-11-18 Litle & Co. Customer refunds by a merchant agent
US20080249926A1 (en) * 2007-04-09 2008-10-09 First Data Corporation Collection and reserve systems and methods
US7603312B2 (en) * 2007-04-25 2009-10-13 Pe Systems, Inc. Altering card-issuer interchange categories
US20080270297A1 (en) * 2007-04-25 2008-10-30 Pe Systems Gathering Information from a Financial Website
US8078531B2 (en) * 2007-04-25 2011-12-13 Pe Systems, Llc Auditing or determining reductions to card-issuer interchange fees
US20080301022A1 (en) * 2007-04-30 2008-12-04 Cashedge, Inc. Real-Time Core Integration Method and System
US8433127B1 (en) 2007-05-10 2013-04-30 United Services Automobile Association (Usaa) Systems and methods for real-time validation of check image quality
US8538124B1 (en) 2007-05-10 2013-09-17 United Services Auto Association (USAA) Systems and methods for real-time validation of check image quality
US7953653B2 (en) * 2007-05-16 2011-05-31 Jpmorgan Chase Bank, N.A. System and method for combined reconciliation of co-branded card promotion and settlement of private label card accounts
US20090006135A1 (en) * 2007-06-26 2009-01-01 American Express Travel Related Services Company, Inc. Accelerated Payments for Health Care Plans
US20090006251A1 (en) * 2007-06-28 2009-01-01 American Express Travel Related Services Company, Inc. Universal rollover account
US8676642B1 (en) 2007-07-05 2014-03-18 Jpmorgan Chase Bank, N.A. System and method for granting promotional rewards to financial account holders
US8326758B2 (en) * 2007-08-06 2012-12-04 Enpulz, L.L.C. Proxy card representing many monetary sources from a plurality of vendors
US8788278B2 (en) * 2007-08-28 2014-07-22 Moneygram International, Inc. Consumer database loyalty program for a money transfer system
US20090070246A1 (en) * 2007-09-10 2009-03-12 First Data Corporation Electronic Financial Transaction Routing
US20090076864A1 (en) * 2007-09-14 2009-03-19 Ip Commerce, Inc. System and method for rules-based serialized service transaction processing
US9058512B1 (en) 2007-09-28 2015-06-16 United Services Automobile Association (Usaa) Systems and methods for digital signature detection
US9747598B2 (en) 2007-10-02 2017-08-29 Iii Holdings 1, Llc Dynamic security code push
US8417601B1 (en) 2007-10-18 2013-04-09 Jpmorgan Chase Bank, N.A. Variable rate payment card
US8358826B1 (en) 2007-10-23 2013-01-22 United Services Automobile Association (Usaa) Systems and methods for receiving and orienting an image of one or more checks
US9159101B1 (en) 2007-10-23 2015-10-13 United Services Automobile Association (Usaa) Image processing
US9898778B1 (en) 2007-10-23 2018-02-20 United Services Automobile Association (Usaa) Systems and methods for obtaining an image of a check to be deposited
US9892454B1 (en) 2007-10-23 2018-02-13 United Services Automobile Association (Usaa) Systems and methods for obtaining an image of a check to be deposited
US8374932B2 (en) * 2007-10-30 2013-02-12 Visa U.S.A. Inc. Payment entity device transaction processing using multiple payment methods
US8407141B2 (en) * 2007-10-30 2013-03-26 Visa U.S.A. Inc. System and method for processing multiple methods of payment
US7996315B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US7996314B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US7996316B1 (en) 2007-10-30 2011-08-09 United Services Automobile Association Systems and methods to modify a negotiable instrument
US8046301B1 (en) 2007-10-30 2011-10-25 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US8341046B2 (en) * 2007-10-30 2012-12-25 Visa U.S.A. Inc. Payment entity device reconciliation for multiple payment methods
US8311937B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Client supported multiple payment methods system
US8311914B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity for account payables processing using multiple payment methods
US8311913B2 (en) 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity account set up for multiple payment methods
US8001051B1 (en) 2007-10-30 2011-08-16 United Services Automobile Association (Usaa) Systems and methods to modify a negotiable instrument
US8290237B1 (en) 2007-10-31 2012-10-16 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US8320657B1 (en) 2007-10-31 2012-11-27 United Services Automobile Association (Usaa) Systems and methods to use a digital camera to remotely deposit a negotiable instrument
US7900822B1 (en) 2007-11-06 2011-03-08 United Services Automobile Association (Usaa) Systems, methods, and apparatus for receiving images of one or more checks
US7896232B1 (en) 2007-11-06 2011-03-01 United Services Automobile Association (Usaa) Systems, methods, and apparatus for receiving images of one or more checks
US8788324B1 (en) * 2007-12-14 2014-07-22 Amazon Technologies, Inc. Preferred payment type
US10296874B1 (en) * 2007-12-17 2019-05-21 American Express Travel Related Services Company, Inc. System and method for preventing unauthorized access to financial accounts
US8306912B2 (en) * 2007-12-19 2012-11-06 Metabank Private label promotion card system, program product, and associated computer-implemented methods
US8583515B2 (en) 2007-12-21 2013-11-12 Metabank Transfer account systems, computer program products, and associated computer-implemented methods
US8788414B2 (en) * 2007-12-21 2014-07-22 Metabank Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account
US8065187B2 (en) * 2007-12-21 2011-11-22 Metabank System, program product, and associated methods to autodraw for micro-credit attached to a prepaid card
US8108279B2 (en) * 2007-12-21 2012-01-31 Metabank Computer-implemented methods, program product, and system to enhance banking terms over time
US8095438B2 (en) * 2007-12-28 2012-01-10 Mastercard International Incorporated Methods and systems for assigning interchange rates to financial transactions using an interchange network
US7766244B1 (en) 2007-12-31 2010-08-03 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
US7958052B2 (en) * 2007-12-31 2011-06-07 Mastercard International Incorporated Methods and systems for cardholder initiated transactions
US8622308B1 (en) 2007-12-31 2014-01-07 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
US8751337B2 (en) * 2008-01-25 2014-06-10 Syncada Llc Inventory-based payment processing system and approach
US10380562B1 (en) 2008-02-07 2019-08-13 United Services Automobile Association (Usaa) Systems and methods for mobile deposit of negotiable instruments
US20090204498A1 (en) * 2008-02-08 2009-08-13 Scott Galit Government Targeted-Spending Stimulus Card System, Program Product, And Computer-Implemented Methods
US20090228391A1 (en) * 2008-02-20 2009-09-10 Trent Sorbe Methods To Advance Loan Proceeds On Prepaid Cards, Associated Systems And Computer Program Products
USD582977S1 (en) 2008-02-21 2008-12-16 Jpmorgan Chase Bank, N.A. Transaction device
US20090240567A1 (en) * 2008-02-21 2009-09-24 Micronotes, Llc Interactive marketing system
US10255609B2 (en) 2008-02-21 2019-04-09 Micronotes, Inc. Interactive marketing system
US8078528B1 (en) 2008-02-21 2011-12-13 Jpmorgan Chase Bank, N.A. System and method for providing borrowing schemes
US20090222378A1 (en) * 2008-02-29 2009-09-03 American Express Travel Related Services Company, Inc. Total structural risk model
US8458083B2 (en) * 2008-02-29 2013-06-04 American Express Travel Related Services Company, Inc. Total structural risk model
US20090222380A1 (en) * 2008-02-29 2009-09-03 American Express Travel Related Services Company, Inc Total structural risk model
US20090222373A1 (en) * 2008-02-29 2009-09-03 American Express Travel Related Services Company, Inc. Total structural risk model
US7849004B2 (en) * 2008-02-29 2010-12-07 American Express Travel Related Services Company, Inc. Total structural risk model
US20090222376A1 (en) * 2008-02-29 2009-09-03 American Express Travel Related Services Company, Inc. Total structural risk model
US7814008B2 (en) * 2008-02-29 2010-10-12 American Express Travel Related Services Company, Inc. Total structural risk model
US7853520B2 (en) * 2008-02-29 2010-12-14 American Express Travel Related Services Company, Inc. Total structural risk model
US10515405B2 (en) * 2008-03-03 2019-12-24 Metabank Person-to-person lending program product, system, and associated computer-implemented methods
US20090234748A1 (en) * 2008-03-11 2009-09-17 First Data Corporation Interchange fee notification
WO2009124262A1 (en) 2008-04-04 2009-10-08 Metabank System, program product and method for performing an incremental automatic credit line draw using a prepaid card
WO2009124264A1 (en) * 2008-04-04 2009-10-08 Metabank System, program product, and method for debit card and checking account autodraw
US8478637B1 (en) 2008-04-08 2013-07-02 Jpmorgan Chase Bank, N.A. Index for assessing discount potential
US7630937B1 (en) * 2008-04-30 2009-12-08 Intuit Inc. Method and system for processing a financial transaction
US11227331B2 (en) 2008-05-14 2022-01-18 Metabank System, program product, and computer-implemented method for loading a loan on an existing pre-paid card
US8538879B2 (en) * 2008-05-14 2013-09-17 Metabank System, program product, and computer-implemented method for loading a loan on an existing pre-paid card
WO2009140520A1 (en) * 2008-05-14 2009-11-19 Metabank A pre-paid card transaction computer to load a loan on a pre-paid card
US8351678B1 (en) 2008-06-11 2013-01-08 United Services Automobile Association (Usaa) Duplicate check detection
US20100005024A1 (en) * 2008-07-02 2010-01-07 Brian Schmitz System and Method for Enrolling Individuals in an Automated Payment Plan
US20100010861A1 (en) * 2008-07-11 2010-01-14 Collections Marketing Center, Llc Method and system for providing a virtual collections call center system
EP2321775A4 (en) * 2008-07-21 2013-10-02 Syncada Llc Resource-allocation processing system and approach with resource pooling
AU2009202922A1 (en) * 2008-07-21 2010-02-04 Syncada Llc Payment processing system and approach with adaptive-assessment processing
US7685045B1 (en) 2008-07-28 2010-03-23 Dantzler V Lorenzo N Method for maximizing discount rate structure
US8447669B2 (en) 2008-08-26 2013-05-21 Visa U.S.A. Inc. System and method for implementing financial assistance programs
US8422758B1 (en) 2008-09-02 2013-04-16 United Services Automobile Association (Usaa) Systems and methods of check re-presentment deterrent
US7594821B1 (en) 2008-09-17 2009-09-29 Yazaki North America, Inc. Sealing gap formed by assembled connector parts
WO2010028266A1 (en) 2008-09-04 2010-03-11 Metabank System, program product and methods for retail activation and reload associated with partial authorization transactions
US8403211B2 (en) * 2008-09-04 2013-03-26 Metabank System, program product and methods for retail activation and reload associated with partial authorization transactions
US8024242B2 (en) 2008-09-04 2011-09-20 Metabank System, method, and program product for foreign currency travel account
US10504185B1 (en) 2008-09-08 2019-12-10 United Services Automobile Association (Usaa) Systems and methods for live video financial deposit
US7885880B1 (en) 2008-09-30 2011-02-08 United Services Automobile Association (Usaa) Atomic deposit transaction
US8275710B1 (en) 2008-09-30 2012-09-25 United Services Automobile Association (Usaa) Systems and methods for automatic bill pay enrollment
US7962411B1 (en) 2008-09-30 2011-06-14 United Services Automobile Association (Usaa) Atomic deposit transaction
US7974899B1 (en) 2008-09-30 2011-07-05 United Services Automobile Association (Usaa) Atomic deposit transaction
US20100094671A1 (en) * 2008-10-13 2010-04-15 Pe Systems PIN-less Debit Payment Processing
US8391599B1 (en) 2008-10-17 2013-03-05 United Services Automobile Association (Usaa) Systems and methods for adaptive binarization of an image
US7970677B1 (en) 2008-10-24 2011-06-28 United Services Automobile Association (Usaa) Systems and methods for financial deposits by electronic message
US7949587B1 (en) 2008-10-24 2011-05-24 United States Automobile Association (USAA) Systems and methods for financial deposits by electronic message
US8371502B1 (en) 2008-10-28 2013-02-12 Metabank Shopping center gift card offer fulfillment machine, program product, and associated methods
US8682785B2 (en) * 2008-10-30 2014-03-25 Bank Of America Corporation Bank card authorization with balance indicator
US8108977B1 (en) 2008-10-31 2012-02-07 Metabank Machine, methods, and program product for electronic order entry
US8010429B2 (en) * 2008-11-04 2011-08-30 American Express Travel Related Services Company, Inc. Customized financial transaction pricing
US9292852B2 (en) 2008-11-08 2016-03-22 FonWallet Transactions Solutions, Inc. System and method for applying stored value to a financial transaction
US8244643B2 (en) * 2008-11-08 2012-08-14 Fonwallet Transaction Solutions, Inc. System and method for processing financial transaction data using an intermediary service
US9213965B1 (en) 2008-11-26 2015-12-15 Metabank Machine, methods, and program product for electronic inventory tracking
US8117097B2 (en) * 2008-12-10 2012-02-14 Citizens Financial Group, Inc. Method and system for identifying fraudulent account activity
US8090649B2 (en) 2008-12-18 2012-01-03 Metabank Computerized 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
US8175962B2 (en) * 2008-12-18 2012-05-08 Metabank Computerized 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
US8489477B2 (en) * 2009-01-22 2013-07-16 Visa U.S.A. Inc. Prepaid account product peer scoring
US9652761B2 (en) * 2009-01-23 2017-05-16 Boku, Inc. Systems and methods to facilitate electronic payments
US8286863B1 (en) 2009-02-04 2012-10-16 Metabank System and computer program product to issue a retail prepaid card including a user-designed external face using a chit and related computer implemented methods
US8452689B1 (en) 2009-02-18 2013-05-28 United Services Automobile Association (Usaa) Systems and methods of check detection
US9990623B2 (en) * 2009-03-02 2018-06-05 Boku, Inc. Systems and methods to provide information
US10956728B1 (en) 2009-03-04 2021-03-23 United Services Automobile Association (Usaa) Systems and methods of check processing with background removal
US8249244B2 (en) * 2009-03-09 2012-08-21 Nice Systems Ltd. System and method for recording and distributing customer interactions
US10992817B2 (en) 2009-03-18 2021-04-27 Mastercard International Incorporated Methods, systems and computer readable media for selecting and delivering electronic value certificates using a mobile device
US20110060684A1 (en) * 2009-03-25 2011-03-10 Jucht Scott J Machine, program product, and computer-implemented methods for confirming a mobile banking request
US9218603B2 (en) * 2009-05-07 2015-12-22 Gopesh Kumar Method for providing a conference system allowing advisors to offer conference sessions to clients
US20100299220A1 (en) * 2009-05-19 2010-11-25 Boku, Inc. Systems and Methods to Confirm Transactions via Mobile Devices
US9595028B2 (en) * 2009-06-08 2017-03-14 Boku, Inc. Systems and methods to add funds to an account via a mobile communication device
US8542921B1 (en) 2009-07-27 2013-09-24 United Services Automobile Association (Usaa) Systems and methods for remote deposit of negotiable instrument using brightness correction
US9519892B2 (en) 2009-08-04 2016-12-13 Boku, Inc. Systems and methods to accelerate transactions
US9779392B1 (en) 2009-08-19 2017-10-03 United Services Automobile Association (Usaa) Apparatuses, methods and systems for a publishing and subscribing platform of depositing negotiable instruments
US8977571B1 (en) 2009-08-21 2015-03-10 United Services Automobile Association (Usaa) Systems and methods for image monitoring of check during mobile deposit
US8699779B1 (en) 2009-08-28 2014-04-15 United Services Automobile Association (Usaa) Systems and methods for alignment of check during mobile deposit
US8505813B2 (en) * 2009-09-04 2013-08-13 Bank Of America Corporation Customer benefit offer program enrollment
US20110060636A1 (en) * 2009-09-04 2011-03-10 Bank Of America Targeted customer benefit offers
JP2011060649A (en) * 2009-09-11 2011-03-24 Toyota Motor Corp Electrode active material layer, all solid battery, manufacturing method for electrode active material layer, and manufacturing method for all solid battery
US8515792B2 (en) * 2009-09-25 2013-08-20 International Business Machines Corporation Method and system for chargeback allocation in information technology systems
US8250582B2 (en) * 2009-09-25 2012-08-21 International Business Machines Corporation Chargeback reduction planning for information technology management
US20110082737A1 (en) 2009-09-28 2011-04-07 Crowe Andrew B Computer-implemented methods, computer program products, and systems for management and control of a loyalty rewards network
US20110143710A1 (en) * 2009-12-16 2011-06-16 Boku, Inc. Systems and methods to facilitate electronic payments
US20110153478A1 (en) * 2009-12-18 2011-06-23 Mckay Jerry Device and Method for Settlement Optimization
US10037526B2 (en) 2010-01-08 2018-07-31 Blackhawk Network, Inc. System for payment via electronic wallet
US9852414B2 (en) 2010-01-08 2017-12-26 Blackhawk Network, Inc. System for processing, activating and redeeming value added prepaid cards
US20110196790A1 (en) * 2010-02-05 2011-08-11 Milne Benjamin P Transaction processing system
US20110213671A1 (en) * 2010-02-26 2011-09-01 Boku, Inc. Systems and Methods to Process Payments
US20110238550A1 (en) * 2010-03-24 2011-09-29 Joshua Reich Systems and methods for predicting financial behaviors
US8447641B1 (en) 2010-03-29 2013-05-21 Jpmorgan Chase Bank, N.A. System and method for automatically enrolling buyers into a network
US8412617B1 (en) * 2010-04-09 2013-04-02 Alpha Vision Services, Llc Methods and systems related to securities trading
US9129340B1 (en) 2010-06-08 2015-09-08 United Services Automobile Association (Usaa) Apparatuses, methods and systems for remote deposit capture with enhanced image detection
US8364544B2 (en) 2010-06-18 2013-01-29 Prairie Pacific Holdings, LLC Comprehensive online bidding and sales management system for merchant processing services
US8590779B2 (en) 2010-06-29 2013-11-26 Visa International Service Association Value token conversion
EP2601632B1 (en) 2010-08-27 2025-10-01 Blackhawk Network, Inc. Prepaid card with savings feature
US8589288B1 (en) 2010-10-01 2013-11-19 Jpmorgan Chase Bank, N.A. System and method for electronic remittance of funds
US20120123924A1 (en) 2010-10-20 2012-05-17 Mark Rose Virtual currency configuration apparatuses, methods and systems
US20120130750A1 (en) * 2010-11-18 2012-05-24 Davidshield L.I.A. (2000) Ltd. Automated insurer insured interactions
US8699994B2 (en) 2010-12-16 2014-04-15 Boku, Inc. Systems and methods to selectively authenticate via mobile communications
WO2012106655A2 (en) 2011-02-05 2012-08-09 Visa International Service Association Merchant-consumer bridging platform apparatuses, methods and systems
WO2012109628A2 (en) 2011-02-10 2012-08-16 Visa International Service Assocation Electronic coupon issuance and redemption apparatuses, methods and systems
CN109118199A (en) 2011-02-16 2019-01-01 维萨国际服务协会 Snap mobile payment device, method and system
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
WO2012116125A1 (en) 2011-02-22 2012-08-30 Visa International Service Association Universal electronic payment apparatuses, methods and systems
US9773212B2 (en) 2011-02-28 2017-09-26 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
US20120226579A1 (en) * 2011-03-01 2012-09-06 Ha Vida Fraud detection based on social data
WO2012122060A1 (en) 2011-03-04 2012-09-13 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
US8352370B1 (en) 2011-03-28 2013-01-08 Jpmorgan Chase Bank, N.A. System and method for universal instant credit
US20130218765A1 (en) * 2011-03-29 2013-08-22 Ayman Hammad Graduated security seasoning apparatuses, methods and systems
US8543503B1 (en) 2011-03-30 2013-09-24 Jpmorgan Chase Bank, N.A. Systems and methods for automated invoice entry
US8543504B1 (en) 2011-03-30 2013-09-24 Jpmorgan Chase Bank, N.A. Systems and methods for automated invoice entry
WO2012148842A1 (en) * 2011-04-26 2012-11-01 Boku, Inc. Systems and methods to facilitate repeated purchases
US9830622B1 (en) 2011-04-28 2017-11-28 Boku, Inc. Systems and methods to process donations
US9191217B2 (en) 2011-04-28 2015-11-17 Boku, Inc. Systems and methods to process donations
US8751298B1 (en) 2011-05-09 2014-06-10 Bank Of America Corporation Event-driven coupon processor alert
US9892419B1 (en) 2011-05-09 2018-02-13 Bank Of America Corporation Coupon deposit account fraud protection system
WO2012155081A1 (en) 2011-05-11 2012-11-15 Visa International Service Association Electronic receipt manager apparatuses, methods and systems
US20120323669A1 (en) * 2011-06-16 2012-12-20 Microsoft Corporation Incentivizing low-transaction-cost payments
US10380605B2 (en) * 2011-06-20 2019-08-13 Ncr Corporation System and method for associating discounts with payment options
US10319174B2 (en) 2011-06-30 2019-06-11 Ncr Corporation System and method for ordering items
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
WO2013006725A2 (en) 2011-07-05 2013-01-10 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
US11354723B2 (en) 2011-09-23 2022-06-07 Visa International Service Association Smart shopping cart with E-wallet store injection search
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
WO2013050951A1 (en) * 2011-10-03 2013-04-11 Artopay Ltd. Methods and systems of providing transaction terms offers in real time
IN2014KN00998A (en) 2011-10-12 2015-09-04 C Sam Inc
US8645270B2 (en) * 2011-10-24 2014-02-04 Paynection Enhanced customer interaction channel systems and methods
WO2013067507A1 (en) 2011-11-03 2013-05-10 Mastercard International Incorporated Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device
US20130151322A1 (en) * 2011-12-08 2013-06-13 Microsoft Corporation Incentive Manager During Online Checkout
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
WO2013090611A2 (en) 2011-12-13 2013-06-20 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
CN103177388B (en) * 2011-12-22 2016-12-07 中国银联股份有限公司 For authoring system and for authorization method
US10380565B1 (en) 2012-01-05 2019-08-13 United Services Automobile Association (Usaa) System and method for storefront bank deposits
US10402795B2 (en) 2012-01-05 2019-09-03 Moneygram International, Inc. Prefunding for money transfer send transactions
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US11308227B2 (en) 2012-01-09 2022-04-19 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US9477988B2 (en) 2012-02-23 2016-10-25 American Express Travel Related Services Company, Inc. Systems and methods for identifying financial relationships
US8719167B2 (en) 2012-03-02 2014-05-06 American Express Travel Related Services Company, Inc. Systems and methods for enhanced authorization fraud mitigation
US8620805B2 (en) * 2012-03-27 2013-12-31 Citicorp Credit Services, Inc. Methods and systems for processing payments globally over one of a plurality of processing paths
US11042870B2 (en) 2012-04-04 2021-06-22 Blackhawk Network, Inc. System and method for using intelligent codes to add a stored-value card to an electronic wallet
US9716691B2 (en) * 2012-06-07 2017-07-25 Early Warning Services, Llc Enhanced 2CHK authentication security with query transactions
US20140006149A1 (en) * 2012-06-28 2014-01-02 Bank Of America Corporation Notifying customers post-transaction of alternative payment types accepted by a merchant
US8732077B2 (en) * 2012-09-14 2014-05-20 Bank Of America Corporation Notification of alternative payment channel
US9087330B2 (en) 2012-09-14 2015-07-21 Bank Of America Corporation Geography based transaction cost recovery
US9576282B2 (en) 2012-10-15 2017-02-21 Bank Of America Corporation Merchant category code (“MCC”) based acceptance cost recovery
US9691060B2 (en) 2012-10-15 2017-06-27 Bank Of America Corporation Low value based acceptance cost recovery
US10467612B2 (en) 2012-11-19 2019-11-05 Bank Of America Corporation Volume based transaction cost recovery
EP2923325A4 (en) 2012-11-20 2016-08-17 Blackhawk Network Inc System and method for using intelligent codes in conjunction with stored-value cards
US9818266B2 (en) 2012-12-05 2017-11-14 Bank Of America Corporation Remote disabling of target point-of-sale (“POS”) terminals
US20140156434A1 (en) * 2012-12-05 2014-06-05 Bank Of America Corporation Surcharge violation registry
US8972293B2 (en) 2012-12-05 2015-03-03 Bank Of America Corporation Surcharge auditing
US20140164223A1 (en) * 2012-12-12 2014-06-12 Bank Of America Corporation Target financial institution channel migration based on transaction history
US8712855B1 (en) 2012-12-17 2014-04-29 Bank Of America Corporation Transaction cost recovery queue management
US8706554B1 (en) 2012-12-17 2014-04-22 Bank Of America Corporation Transaction cost recovery inventory management
US10552810B1 (en) 2012-12-19 2020-02-04 United Services Automobile Association (Usaa) System and method for remote deposit of financial instruments
US9262756B2 (en) 2013-01-01 2016-02-16 Bank Of America Corporation Point-of-sale (“POS”) controller
US20140244491A1 (en) * 2013-02-22 2014-08-28 Bottomline Technologies (De) Inc. Accelerated payment component for an electronic invoice payment system
US10755245B2 (en) 2013-02-25 2020-08-25 Moneygram International, Inc. Money transfer system having location based language and dynamic receipt capabilities
US11200555B2 (en) * 2013-03-12 2021-12-14 Capital One Services, Llc System and method for auctioning a first-in-wallet payment account status
EP3025293A4 (en) 2013-07-24 2017-03-29 Visa International Service Association Systems and methods for communicating risk using token assurance data
US10192204B2 (en) 2013-08-01 2019-01-29 Moneygram International, Inc. System and method for staging money transfers between users having profiles
US11138578B1 (en) 2013-09-09 2021-10-05 United Services Automobile Association (Usaa) Systems and methods for remote deposit of currency
EP3937108A1 (en) 2013-10-11 2022-01-12 Visa International Service Association Network token system
US9286514B1 (en) 2013-10-17 2016-03-15 United Services Automobile Association (Usaa) Character count determination for a digital image
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage
US10210566B1 (en) * 2014-02-19 2019-02-19 Square, Inc. Online exchange for payment transaction auctions
US9721248B2 (en) 2014-03-04 2017-08-01 Bank Of America Corporation ATM token cash withdrawal
US9883049B1 (en) * 2014-03-26 2018-01-30 Sprint Communications Company L.P. System and method for cell site performance management
US20150302367A1 (en) * 2014-04-18 2015-10-22 Frederic Billou Systems and methods for funding source selection
US10521791B2 (en) 2014-05-07 2019-12-31 Mastercard International Incorporated Systems and methods for communicating liability acceptance with payment card transactions
US11023890B2 (en) 2014-06-05 2021-06-01 Visa International Service Association Identification and verification for provisioning mobile application
US20160012441A1 (en) * 2014-07-14 2016-01-14 Mastercard International Incorporated Method and system for optimizing authenticiation processes in payment transactions
US10395199B1 (en) 2014-10-17 2019-08-27 Jpmorgan Chase Bank, N.A. Method and system for ATM cash servicing and optimization
US9661504B1 (en) 2014-11-25 2017-05-23 Sprint Communications Company L.P. Use of customer impact to prioritize network efforts
US20160224965A1 (en) * 2015-02-04 2016-08-04 International Business Machines Corporation Determining an optimal payment instrument by a cloud-enabled mobile payment service
US11216468B2 (en) 2015-02-08 2022-01-04 Visa International Service Association Converged merchant processing apparatuses, methods and systems
US20160267473A1 (en) * 2015-03-13 2016-09-15 Svetoslav Lazarov Gramenov Method for ranking of currencies in a payment system with a multitude of issuers
US9436938B1 (en) 2015-05-13 2016-09-06 Square, Inc. Transaction payment processing by multiple data centers
US10402790B1 (en) 2015-05-28 2019-09-03 United Services Automobile Association (Usaa) Composing a focused document image from multiple image captures or portions of multiple image captures
US20160371682A1 (en) * 2015-06-19 2016-12-22 Wells Fargo Bank, N.A. Systems and methods for providing variable fee rates for processing a transaction
US10423937B2 (en) * 2015-07-17 2019-09-24 Mastercard International Incorporated Systems and methods for establishing message routing paths through a computer network
US10373131B2 (en) 2016-01-04 2019-08-06 Bank Of America Corporation Recurring event analyses and data push
US9679426B1 (en) 2016-01-04 2017-06-13 Bank Of America Corporation Malfeasance detection based on identification of device signature
US11651341B2 (en) * 2016-01-08 2023-05-16 Worldpay, Llc Multi-platform electronic payment transaction risk profiling
US10977639B2 (en) * 2016-01-25 2021-04-13 Freelancer Technology Pty Limited Adaptive gateway switching system
US11164163B1 (en) * 2016-03-24 2021-11-02 Electronic Arts Inc. Performance optimized automated processing and routing system
US10460367B2 (en) 2016-04-29 2019-10-29 Bank Of America Corporation System for user authentication based on linking a randomly generated number to the user and a physical item
US11080714B2 (en) * 2016-05-27 2021-08-03 Mastercard International Incorporated Systems and methods for providing stand-in authorization
US10268635B2 (en) 2016-06-17 2019-04-23 Bank Of America Corporation System for data rotation through tokenization
US10748130B2 (en) 2016-09-30 2020-08-18 Square, Inc. Sensor-enabled activation of payment instruments
US10482468B2 (en) 2016-11-11 2019-11-19 Mastercard International Incorporated Systems and methods of improved electronic messaging
CN106991565A (en) * 2017-01-03 2017-07-28 阿里巴巴集团控股有限公司 The switching method and device of a kind of currency type
CN108346048B (en) 2017-01-23 2020-07-28 阿里巴巴集团控股有限公司 Method for adjusting risk parameters, risk identification method and risk identification device
US10402807B1 (en) 2017-02-28 2019-09-03 Square, Inc. Estimating interchange fees for card payments
US10609156B2 (en) * 2017-04-03 2020-03-31 Bank Of America Corporation Data transfer, over session or connection, and between computing device and server associated with one or more routing networks in response to detecting activity
US20180287927A1 (en) * 2017-04-03 2018-10-04 Bank Of America Corporation Data Transfer, Over Session or Connection, and Between Computing Device and Server to Determine Third Party Routing Network in Response to Determining Request to Use a Different Routing Network
US10601718B2 (en) 2017-04-03 2020-03-24 Bank Of America Corporation Data transfer, over session or connection, and between computing device and server associated with a routing network for modifying one or more parameters of the routing network
US10608918B2 (en) 2017-04-03 2020-03-31 Bank Of America Corporation Data transfer, over session or connection, and between computing device and one or more servers to determine likelihood of user device using a routing network
US10601934B2 (en) 2017-04-03 2020-03-24 Bank Of America Corporation Data transfer, over session or connection, and between computing device and one or more servers for transmitting data to a third party computing device
US10716060B2 (en) 2017-04-03 2020-07-14 Bank Of America Corporation Data transfer between computing device and user device at different locations and over session or connection to display one or more routing networks to use
US10832233B2 (en) 2017-05-19 2020-11-10 Curve 1 Limited Method and system for reversing a selection of a payment method for a specific transaction
US11080685B1 (en) * 2017-06-12 2021-08-03 Weils Fargo Bank, N.A. Direct payment authorization path
US10524165B2 (en) 2017-06-22 2019-12-31 Bank Of America Corporation Dynamic utilization of alternative resources based on token association
US10313480B2 (en) 2017-06-22 2019-06-04 Bank Of America Corporation Data transmission between networked resources
US10511692B2 (en) 2017-06-22 2019-12-17 Bank Of America Corporation Data transmission to a networked resource based on contextual information
CN108629613B (en) * 2017-07-07 2022-04-01 临沂大学 Mobile payment reward information evaluation system and evaluation method
US11216762B1 (en) * 2017-07-13 2022-01-04 Palantir Technologies Inc. Automated risk visualization using customer-centric data analysis
US10922749B1 (en) * 2017-10-26 2021-02-16 Katherine Thome Real-time payment card transaction routing bidding platform
US11030752B1 (en) 2018-04-27 2021-06-08 United Services Automobile Association (Usaa) System, computing device, and method for document detection
US20190342205A1 (en) * 2018-05-02 2019-11-07 SOURCE Ltd. System and method for optimizing routing of transactions over a computer network
US11593793B2 (en) * 2018-06-29 2023-02-28 Ncr Corporation Cryptocurrency payment and refund processing on a transaction terminal
CN109191110B (en) * 2018-07-27 2023-05-23 创新先进技术有限公司 Post-payment transaction data processing method, device, processing equipment and server
AU2019361900B2 (en) * 2018-10-18 2025-05-15 Mastercard International Incorporated Card-payment-system back-up processing for failed real-time payment system transaction
JP2020095587A (en) * 2018-12-14 2020-06-18 東芝テック株式会社 Payment system, server, payment terminal, and payment terminal control program
US11887102B1 (en) * 2019-07-31 2024-01-30 Block, Inc. Temporary virtual payment card
JP6768911B1 (en) * 2019-11-01 2020-10-14 エヌ・ティ・ティ・コミュニケーションズ株式会社 Payment system and payment method
WO2021096420A1 (en) * 2019-11-13 2021-05-20 Voxp Pte. Ltd. Automatically handling electronic orders
US11900755B1 (en) 2020-11-30 2024-02-13 United Services Automobile Association (Usaa) System, computing device, and method for document detection and deposit processing
US11321709B1 (en) * 2021-02-09 2022-05-03 iWallet, Inc. System and method for conducting secure financial transactions
US12293362B2 (en) 2021-02-17 2025-05-06 Mastercard International, Inc. Artificial intelligence based product recommendation methods and systems for enhancing approvals of payment processing requests
US20230289750A1 (en) * 2022-03-14 2023-09-14 Fidelity Information Services, Llc Systems and methods for executing real-time electronic transactions by a dynamically determined transfer execution date
US12211095B1 (en) 2024-03-01 2025-01-28 United Services Automobile Association (Usaa) System and method for mobile check deposit enabling auto-capture functionality via video frame processing

Family Cites Families (53)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE2257200A1 (en) 1972-11-22 1974-06-20 Norddeutsche Teilzahlungsbank PROCEDURE FOR CALCULATING CREDIT RISK
US4326259A (en) 1980-03-27 1982-04-20 Nestor Associates Self organizing general pattern class separator and identifier
US4597046A (en) 1980-10-22 1986-06-24 Merrill Lynch, Pierce Fenner & Smith Securities brokerage-cash management system obviating float costs by anticipatory liquidation of short term assets
US4346442A (en) 1980-07-29 1982-08-24 Merrill Lynch, Pierce, Fenner & Smith Incorporated Securities brokerage-cash management system
US4376978A (en) 1980-07-29 1983-03-15 Merrill Lynch Pierce, Fenner & Smith Securities brokerage-cash management system
US4774663A (en) 1980-07-29 1988-09-27 Merrill Lynch, Pierce, Fenner & Smith Incorporated Securities brokerage-cash management system with short term investment proceeds allotted among multiple accounts
JPS59153261A (en) 1983-02-18 1984-09-01 Omron Tateisi Electronics Co Transaction processor
US5025138A (en) 1984-02-27 1991-06-18 Vincent Cuervo Method and system for providing verifiable line of credit information
US4718009A (en) 1984-02-27 1988-01-05 Default Proof Credit Card System, Inc. Default proof credit card method system
US4868866A (en) 1984-12-28 1989-09-19 Mcgraw-Hill Inc. Broadcast data distribution system
US4736294A (en) 1985-01-11 1988-04-05 The Royal Bank Of Canada Data processing methods and apparatus for managing vehicle financing
US4760604A (en) 1985-02-15 1988-07-26 Nestor, Inc. Parallel, multi-unit, adaptive, nonlinear pattern class separator and identifier
US4812628A (en) 1985-05-02 1989-03-14 Visa International Service Association Transaction system with off-line risk assessment
US4734564A (en) 1985-05-02 1988-03-29 Visa International Service Association Transaction system with off-line risk assessment
US4774664A (en) 1985-07-01 1988-09-27 Chrysler First Information Technologies Inc. Financial data processing system and method
US4953085A (en) 1987-04-15 1990-08-28 Proprietary Financial Products, Inc. System for the operation of a financial account
US5210687A (en) 1987-04-16 1993-05-11 L & C Family Partnership Business transaction and investment growth monitoring data processing system
US4989141A (en) 1987-06-01 1991-01-29 Corporate Class Software Computer system for financial analyses and reporting
US5038284A (en) 1988-02-17 1991-08-06 Kramer Robert M Method and apparatus relating to conducting trading transactions with portable trading stations
JPH0219963A (en) 1988-07-08 1990-01-23 Hitachi Ltd Method and system for monitoring real time state
EP0440515B1 (en) 1990-01-30 1995-08-23 Visa International Service Association International authorization system
US5262941A (en) 1990-03-30 1993-11-16 Itt Corporation Expert credit recommendation method and system
EP0468229A3 (en) 1990-07-27 1994-01-26 Hnc Inc A neural network with expert system functionality
WO1992004679A1 (en) 1990-08-31 1992-03-19 Seer Technologies, Inc. Transaction processor
US5325298A (en) 1990-11-07 1994-06-28 Hnc, Inc. Methods for generating or revising context vectors for a plurality of word stems
US5177342A (en) 1990-11-09 1993-01-05 Visa International Service Association Transaction approval system
US5231570A (en) 1990-12-11 1993-07-27 Lee Gerritt S K Credit verification system
US5274547A (en) 1991-01-03 1993-12-28 Credco Of Washington, Inc. System for generating and transmitting credit reports
US5323315A (en) 1991-08-02 1994-06-21 Vintek, Inc. Computer system for monitoring the status of individual items of personal property which serve as collateral for securing financing
US5239462A (en) 1992-02-25 1993-08-24 Creative Solutions Groups, Inc. Method and apparatus for automatically determining the approval status of a potential borrower
US5446885A (en) 1992-05-15 1995-08-29 International Business Machines Corporation Event driven management information system with rule-based applications structure stored in a relational database
JPH05342191A (en) 1992-06-08 1993-12-24 Mitsubishi Electric Corp System for predicting and analyzing economic time sequential data
US5819226A (en) 1992-09-08 1998-10-06 Hnc Software Inc. Fraud detection using predictive modeling
US5361201A (en) 1992-10-19 1994-11-01 Hnc, Inc. Real estate appraisal using predictive modeling
US5479573A (en) 1992-11-24 1995-12-26 Pavilion Technologies, Inc. Predictive network with learned preprocessing parameters
CA2086269A1 (en) 1992-12-24 1994-06-25 Michael Willis Credit risk assessment system
WO1994020912A1 (en) 1993-03-09 1994-09-15 C*Ats Software Inc. An object-oriented system for creating, structuring, manipulating and evaluating a financial instrument
US5797133A (en) 1994-08-31 1998-08-18 Strategic Solutions Group, Inc Method for automatically determining the approval status of a potential borrower
US5717923A (en) 1994-11-03 1998-02-10 Intel Corporation Method and apparatus for dynamically customizing electronic information to individual end users
US5679938A (en) 1994-12-02 1997-10-21 Telecheck International, Inc. Methods and systems for interactive check authorizations
US5732400A (en) 1995-01-04 1998-03-24 Citibank N.A. System and method for a risk-based purchase of goods
AU5530196A (en) 1995-03-30 1996-10-16 Hogan Systems, Inc. Method of and system for determining and assessing credit ri sks
US5649116A (en) 1995-03-30 1997-07-15 Servantis Systems, Inc. Integrated decision management system
WO1997000483A1 (en) 1995-06-15 1997-01-03 Fraudetect, L.L.C. Process and apparatus for detecting fraud
US5719918A (en) 1995-07-06 1998-02-17 Newnet, Inc. Short message transaction handling system
US5893080A (en) 1995-07-25 1999-04-06 Bottomline Technologies, Inc. Disbursement system and method
US5815657A (en) 1996-04-26 1998-09-29 Verifone, Inc. System, method and article of manufacture for network electronic authorization utilizing an authorization instrument
US6016484A (en) * 1996-04-26 2000-01-18 Verifone, Inc. System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment
US5845267A (en) * 1996-09-06 1998-12-01 At&T Corp System and method for billing for transactions conducted over the internet from within an intranet
US5950174A (en) 1997-04-25 1999-09-07 At&T Corp. Affiliation-based arrangement for billing
US6119103A (en) * 1997-05-27 2000-09-12 Visa International Service Association Financial risk prediction systems and methods therefor
US6061665A (en) * 1997-06-06 2000-05-09 Verifone, Inc. System, method and article of manufacture for dynamic negotiation of a network payment framework
US6118860A (en) * 1997-09-12 2000-09-12 Nortel Networks Corporation Public communications services vending method and apparatus

Also Published As

Publication number Publication date
US6999943B1 (en) 2006-02-14
WO2001069492A1 (en) 2001-09-20

Similar Documents

Publication Publication Date Title
AU2001243530A1 (en) Routing methods and systems for increasing payment transaction volume and profitability
AU2001238581A1 (en) Methods and systems for providing transaction data
AU2001292725A1 (en) Microchip-enabled online transaction system
AU2001239945A1 (en) Systems and methods enabling anonymous credit transactions
AU2002232445A1 (en) On-line parts location and transaction system
AU2001241609A1 (en) Systems and methods for providing anonymous financial transactions
AU2001251701A1 (en) Secure transaction system
AU6629601A (en) System and method for multiple currency transactions
AU2002327322A1 (en) Multiple account card and transaction routing
AU2001276914A1 (en) Wide area network person-to-person payment
AU2001241477A1 (en) Transportation system for on-line transactions
AU1588701A (en) Systems and methods for anonymous payment transactions
AU2003279065A1 (en) Merchant cash payment systems and methods
AU2002213139A1 (en) Electronic payment system
AU2001220597A1 (en) Electronic transaction systems and methods therefor
AU2001274979A1 (en) System and method for using existing prepaid card systems for making payments over the internet
AU2002344880A1 (en) Point-of-sale transaction system
WO2003052708A8 (en) On-line payments system
HUP0302122A3 (en) Financial transaction system
AU2001284074A1 (en) Payment system
AU2001277890A1 (en) Systems and methods for secured electronic transactions
AU2001280964A1 (en) An interactive pos transaction system
AU2001239932A1 (en) Electronic transaction clearing system
AU2002217196A1 (en) Payment system
AU2001283362A1 (en) Business transaction system and method